| 10/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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Debt collector obligations
809. Validation of debts
(Part 1 of a 2 Part CFPB Complaint)
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reference: XXXX Synchrony Bank XXXX Reference: XXXX Synchrony Bank XXXX Reference: XXXX Synchrony Bank XXXX
Synchrony Bank, Legal Operations
Attention: Arbitration Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Re: American Arbitration Association consumer demands for arbitration case filings filed 9/17/2023 styled: Thomas Schultz versus Synchrony Bank awaiting filing fee payments billed for $600 for each case from Synchrony Bank as consumer AAA filing fees satisfied/paid
Dear Debt Collector:
It was a bright cold day in April, and the clocks were striking thirteen, XXXX XXXX XXXX at 1 (1961). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge Mark E. Walker, Northern District of Florida, in case # 4:22-cv-00324-MW-MAF, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of George Orwells dystopian novel 1984, the book that introduced the world to the concept of BIG BROTHER. Judge Walkers OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed 11/17/2022. The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1984 world of BIG BROTHER, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered. Was the Novel 1984 writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ??? Another relevant Orwellian 1984 quote stated: In the end the Party would announce that two and two made five, and you would have to believe it. Well Debt Collectors and Creditors, like the totalitarian 1984 Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them. Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!! Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on May 14, 2023 based on my Equifax credit report. Did you cause it??? Are you responsible??? But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score??? Judge Walker needed 139 pages to address the obvious. Your appropriate response requires many many many more than 139 pages to address my following issues. It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages. Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!! You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!! If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!
Here's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:
809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
(b) Disputed debts
If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.
(c) Admission of liability
The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
I am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s). I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety. This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any. I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it. This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations. If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible. Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence. To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted. I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence. Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt. I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent March 2023 CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA. Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise. I have reviewed my entire paper credit reports of Trans Union dated August 3, 2023 and Experian August 12, 2023 and the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual. Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue. Since my TransUnion and Experian credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required. I have never received any Notice from anyone stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT. The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on 5/14/2023 based on my 5/14/2023 Equifax credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. BIG BROTHER IS WATCHING YOU!! That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit. While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed. I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents. In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction. I never used the debit card and my debit card was safely locked away and under my exclusive control at all times. After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened. If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB. Are you a SCAMMER victimizing me with IDENTITY THEFT? Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof. I need the requested proof! I will not get scammed again. I trust NOONE, even ROBO attorneys. Get your ducks in a row!!! I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents. Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment. If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a 74 years old elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit. I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time. Plus, as stated ago, my checking account was wiped out by fraudsters. Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies. My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code AW into every account? Do you even know what AW means? However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests. I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations. Moreover, if I live long enough, I am prepared to seek personal Chapter 7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing? Do you think you can avoid my USDC DISCOVERY requests and information subpoenas? Do you want the CFPB to come after you when you violate your obligations?
Again, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.
Again, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents. Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario. Just STOP all communications! The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party. I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.
Again, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt. Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED. Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees. If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages. Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts. While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute. In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct. Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols. The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights. I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report. I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations. I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA. Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims. If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law. You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers. The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations. I suggest you review the checklist to insure compliance before responding to me. You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence. The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately. No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully. If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent? More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2. Why is data reported on Metro 2 but concealed from my paper credit reports? Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file? How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers? How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports? The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy. Every communication with a creditor seemed to result in negligent data entry errors by users. Furnishers are incapable of complying with statutory obligations and the Metro 2 system. Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data. Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board. One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations. I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2. Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day. Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores. Well, the system tanked my scores needlessly! Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages? Do you want to risk the CFPB coming after you demanding $10,000,000+? Do you want to lose clients and be put out of business by the CFPB? I object to having accounts reported on my credit reports as reporting is unconscionable!
While your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation. The CFPB and others suggest some of below type of questions for Debt collectors to respond to. I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting.
Please supply the information below so that I can be fully informed:
Why you think I owe the purported debt and to whom I owe it, including:
The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA. Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure. If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory Metro 2 protocols have been compliant or violated.
If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise. Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy. I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.
If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.
The amount and age of the purported debt, including:
A copy of the every billing statement sent to me by the purported original creditor since inception.
State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing. If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In ad
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| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Attn : XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
SYNCB/HOME DESIGN NAHF C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
SYNCB/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/22/2020 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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XXXX My credit report is being filled with data belonging to ss # XXXX of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX please ask creditors to report accordingly and to re-direct billing to the correct person. Anyway, I dont really care for credit. I'd rather get a XXXX card and put moeny to secure it it : - ) Print This Page Credit Report Prepared For : XXXX XXXX XXXX Report As Of : XX/XX/XXXX Personal & Confidential XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Account Summary My Accounts Summary Open Credit Cards 3 Open Retail Cards 2 Open Real Estate Loans 0 Open Installment Loans 1 Total Open Accounts 7 Accounts Ever Late 7 Collections Accounts 1 Average Account Age 5 yrs 7 mos Oldest Account 22 yrs 8 mos My Hard Credit Inquiries 14 My Overall Credit Usage 78 % Credit Debt {$5000.00} Total Credit {$6500.00} My Debt Summary Credit and Retail Card Debt {$5000.00} Real Estate Debt {$0.00} Installment Loans Debt {$16000.00} Collections Debt {$2600.00} Total Debt {$23000.00} My Public Records 0 XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Account Summary My Personal Information Name XXXX XXXX Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Birth Year XXXX Addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX Employer ( s ) XXXX XXXX XXXX Personal Statement ( s ) No Statement ( s ) present at this time XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Open Accounts Open XXXX XXXX XXXX account details Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Open Payment Status Current Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated XX/XX/XXXX Credit Limit {$2100.00} Monthly Payment {$54.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments Subscriber reports dispute resolved - consumer disagrees FCBA Dispute resolved consumer disagrees CREDIT USAGE 95 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Open XXXX XXXX XXXX XXXX XXXX account details Account Name XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Open Payment Status Current Status Updated XX/XX/XXXX Balance {$540.00} Balance Updated XX/XX/XXXX Credit Limit $ 600 Monthly Payment {$28.00} Past Due Amount - Highest Balance {$590.00} Terms Revolving Responsibility Individual Your Statement - Comments - CREDIT USAGE 91 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Open XXXX XXXX account details Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Open Payment Status Current Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 300 Monthly Payment {$27.00} Past Due Amount - Highest Balance {$340.00} Terms Revolving Responsibility Individual Your Statement - Comments - CREDIT USAGE 0 % No Credit Usage You have no account balance. Keeping your account balances as low as possible can have a positive impact on your credit.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Open XXXX XXXX XXXX XXXX account details Account Name XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Open Payment Status Current Status Updated XX/XX/XXXX Balance {$110.00} Balance Updated XX/XX/XXXX Credit Limit $ 700 Monthly Payment {$35.00} Past Due Amount - Highest Balance {$220.00} Terms Revolving Responsibility Individual Your Statement - Comments - CREDIT USAGE 16 % Low Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, NY XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Open XXXX XXXX XXXX XXXX account details Account Name XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status!
Open Payment Status Current Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated XX/XX/XXXX Original Balance {$24000.00} Monthly Payment {$560.00} Past Due Amount - Highest Balance - Terms 73 Months Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Open SYNCB/CARE CREDIT XXXX account details Account Name SYNCB/CARE CREDIT Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Open Payment Status Current Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Credit Limit {$2500.00} Monthly Payment {$88.00} Past Due Amount - Highest Balance {$2500.00} Terms Revolving Responsibility Individual Your Statement - Comments - CREDIT USAGE 96 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit.
CONTACT INFORMATION XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Open XXXXXXXX XXXX account details Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Open Payment Status Current Status Updated XX/XX/XXXX Balance {$9.00} Balance Updated XX/XX/XXXX Credit Limit $ 300 Monthly Payment {$9.00} Past Due Amount - Highest Balance {$340.00} Terms Revolving Responsibility Individual Your Statement - Comments - CREDIT USAGE 3 % Low Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit.
CONTACT INFORMATION XXXX XXXX XXXX XXXX, OR XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed Accounts Closed XXXX XXXX XXXX account details Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid, was past due 60 days Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Original Balance {$14000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Joint Account Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK 30 30 Days Late 60 60 Days Late Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX XXXX XXXX account details Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Original Balance {$33000.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 72 Months Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX XXXX account details Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance {$9900.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX XXXX account details Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit {$2200.00} Monthly Payment - Past Due Amount - Highest Balance {$800.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX account details Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX XXXX XXXX {$6500.00} Monthly Payment - Past Due Amount {$1100.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement **CONSUMER STATEMENT** ORIGINAL PAYMENT LOST IN THE MAIL. REPLACEMENT PAYMENT MISSED BILLING CUT OFF DATE.
Comments Account was in dispute-now resolved-reported by subscriber Account previously in dispute now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) CREDIT USAGE 18 % Low Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OK OK 120 120+ Days Late 30 30 Days Late 60 60 Days Late N Negative 90 90 Days Late Data Unavailable XXXX XXXX XXXX XXXX Date of Report : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX account details Account Name XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Monthly Payment - Past Due Amount - Highest Balance {$760.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX/XXXX XXXX account details Account Name XXXX/XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid, was past due 30 days Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit {$4200.00} Monthly Payment - Past Due Amount - Highest Balance {$4500.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX, OH XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK 30 30 Days Late Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX account details Account Name XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit $ 600 Monthly Payment - Past Due Amount - Highest Balance {$630.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Account closed at consumers request CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX account details Account Name XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance {$390.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Account closed at consumers request CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX XXXX XXXX account details Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Monthly Payment - Past Due Amount - Highest Balance {$960.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Account closed at consumers request CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX XXXX XXXX account details Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit {$15000.00} Monthly Payment - Past Due Amount - Highest Balance {$16000.00} Terms Revolving Responsibility Authorized User Your Statement - Comments Credit line closed-consumer request-reported by subscriber Account closed at consumers request CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX/XXXX XXXX account details Account Name XXXX/XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance {$360.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed SYNCB/AMAZON XXXX account details Account Name SYNCB/AMAZON Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid, was past due 90 days Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance {$590.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK 30 30 Days Late 60 60 Days Late 90 90 Days Late Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX/XXXX XXXX account details Account Name XXXX/XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance {$450.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Account closed at consumers request CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX/XXXX XXXX XXXX account details Account Name XXXX/XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status!
Closed Payment Status Paid, was past due 60 days Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance {$190.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber Account closed at consumers request CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK 30 30 Days Late 60 60 Days Late Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX XXXX XXXX/XXXX XXXX account details Account Name XXXX XXXX XXXX/XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$270.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount {$270.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber CREDIT USAGE 135 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit.
CONTACT INFORMATION XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK 120 120+ Days Late 30 30 Days Late 60 60 Days Late N Negative 90 90 Days Late Data Unavailable XXXX XXXX XXXX XXXX Date of Report : XX/XX/XXXX Closed XXXX/XXXX XXXX XXXX XXXX account details Account Name XXXX/XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX Credit Limit {$3500.00} Monthly Payment - Past Due Amount - Highest Balance {$3500.00} Terms Revolving Responsibility Individual Your Statement - Comments - CREDIT USAGE N/A Unknown Credit Usage Credit usage could not be calculated for this account because either the balance and/or credit limit were not reported.
CONTACT INFORMATION XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK Data Unavailable XXXX XXXX - XXXX Date of Report : XX/XX/XXXX Closed XXXX - XXXX XXXX account details Account Name XXXX - XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status!
Closed Payment Status Paid satisfactorily Status Updated XX/XX/XXXX XXXX
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| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
SYNCB/JC PENNEYS XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
SYNCB/AMAZON XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
SYNCB/LOWES XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXXXXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT 50 On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX.XX/XX/XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX Attn : XXXXXXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX.
XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 09/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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Part 2 of 2 Debt Validation for every Synchrony Bank credit card Details about your authority to collect this debt.
I would like more information about your firm before I discuss ( in writing, of course ) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license. Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a one time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek. In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim. Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response and all conflicts shall be resolved in my favor.
In addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any.
In addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below : 1. They threaten to tell your employer or neighbors about the debt ; 2. Threaten violence against you ; 3. Threaten to have you arrested ; 4. Communicate with you or your spouse more than three times a week ; 5. Harass, intimidate, threaten or embarrass you ; 6. Imply that documents sent to you are legal documents or government documents ; 7. Imply that you can be deported ; or 8. Solicit a postdated check in order to threaten criminal prosecution.
The CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the XXXX XXXX XXXX XXXX at XXXX. That website will thus provide a few more states where the debt collector might be licensed. I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have.
The CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be responsible for actions of the bill collector agents. Again, as stated above purposely several times to make the point absolutely clear, please stop contact and cease further communication of any kind whatsoever.
I have also stated several times what advocates call the Exempt Income Letter to avoid fruitless expenses. If a consumers only sources of income are state or federal government benefits, their income may most likely be exempt or protected from collection. If the collector is informed that government benefits are the consumers only source of income, the collector may voluntarily stop contacting them about the alleged debt. Collectors can be informed that all of the consumers income is exempt which I have done to avoid an unreasonable multiplicity of proceedings having no purpose. Again, All of my limited income is from EXEMPT sources!
Again, you should consider this a Dispute Letter as I DISPUTE the entire purported claim. If the consumer believes the debt is not theirs, that the amount is incorrect, or that there is some other error, the consumer or their attorney should send the collector a dispute letter. Collectors make a lot of mistakes and disputing the debt may help resolve the matter.
Federal law requires debt collectors to provide validation information about the alleged debt and consumers rights to dispute the debt. Collectors will be able to provide this information in writing.
It is recommended that if a debt collector claims to have sent a notice previously but the consumer never received it, ask for another copy. Keep a copy of any letters that are sent. It is best to send the letter by mail, return receipt requested. A CFPB complaint is the best method to document a DISPUTE and Debt Validation as it not only proves delivery to the Debt Collector but it requires the Debt Collector to respond promptly. Debt Validation letters and Disputes can also be sent electronically using any type of electronic communication that the debt collector uses to accept consumer communications. If the collection agency accepts emails from consumers, the dispute letter can be sent via email. To insure this letter is not lost, delayed in the mail or mishandled by the Debt Collector, I am also sending this letter with any attachments via the CFPB Complaint Portal and website to assure receipt and guarantee a timely response.
Advocates such as the CFPB state that a dispute letter may be combined with a request for more information in a Verification Letter.
Often it is not even clear what debt a collector is contacting the consumer about, and in that case, the consumer should not pay the collector until more information is obtained. Federal law requires debt collectors to provide validation information about the alleged debt. However, the consumer may still have more questions about the alleged debt. My letter demands documentation which is indispensable in determining the amount and validity of the purported claim.
The FCRA requires every CRA and Furnishers to maintain reasonable procedures in their operations to assure maximum possible completeness and accuracy of data in the credit reports they report and publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The CFPB has repeatedly criticized the dispute process involving Furnishers and CRAs. CRAs routinely fail to forward complete written disputes to Furnishers and routinely XXXX non existent investigations and certifications from Furnishers and fail to delete and prevent known Facially False Data in violation the recent directives of XXXX XXXX, CFPB Director. To enforce the FCRA, I have filed multiple direct and indirect CRA/Furnisher written disputes including about XXXX CFPB complaints yet virtually no dispute is listed on my credit reports as Disputed as required in willful violations of the FCRA and Metro 2 protocols. To the extent that your purported debt has been directly or indirectly included in any of my written disputes, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide ( in addition to all facts regarding investigation records ) the names and business addresses of each individual with whom you client verified the purported debt reporting above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. Furthermore, each of my credit reports for each account contain different and conflicting data on my paper credit reports and data required from Furnishers is either negligently or purposely missing, impossible, incorrect or conflicting and more importantly, Data submitted through Metro 2 is not contained on my paper credit reports resulting unknowingly to be of current accounts being falsely reported as 60 days late with credit scores being up to XXXX points lower than expected. Metro 2 compliance is out of control. For your purported debt, if it has been reported to a CRA, I need the actual Metro 2 submissions ( translated into XXXX ) for the last 3 years including every monthly and required interim submissions. If I have ever disputed an account with any creditor, I expect every credit report to continually contain the required and mandatory notice that it is DISPUTED which is not happening constituting willful FCRA violations. Any further violations of federal statutes will incur liability for actual, statutory, and punitive damages plus attorney fees and costs.
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Text contains those laws in effect on XX/XX/XXXX 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
I insist on 100 % compliance with all FCRA and all statutes and knowingly reporting inaccurate information after notice shall constitute willful and negligent violations of the FCRA, subjecting violators to statutory damages of {$1000.00} per incident plus huge punitive damages for repeated known repeated violations. Any current or future debt collector or debt buyer is obligated to investigate and ascertain the extent of and existence of actual or potential FCRA violations before furnishing data to any CRA.
To insure compliance with the FCRA and other statutes, your written response must include the purported exact month-day-year for the Date of First Delinquency and the exact day-month-year that the disputed claim would be required to be deleted from every CRA account under the 7 year statute of limitations for credit reporting assuming no payments are made in the future.
There is a Duty to Provide Notice of Delinquency of Accounts. In order for there to be a uniform date by which all consumer reporting agencies would compute the seven-year reporting period for adverse items of information, Congress included section 623 ( a ) ( 5 ) with the intent that the seven-year reporting period begin with the commencement of the delinquency rather than any other date. That section of the FCRA states that " a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall. .. notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. My credit reports for every CRA and for most accounts fails to report the mandatory date of First Delinquency in violation of law.
Virtually every account on each of my credit reports fails to list my account as DISPUTED pursuant to the clear statute requirements. Failing to list a disputed debt as disputed on every CRA is purposely done by Furnishers for a sinister purpose to harm consumers as much as possible to lower credit scores. Once you dispute a debt to a credit reporting agency, they must report that debt as disputed on your credit file and in your credit reports. Also, if you dispute a debt to one of the three major credit reporting agencies ( XXXX, XXXX, or XXXX ), that particular agency must notify the other two bureaus that you dispute the debt. Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA. Not only are none of my valid disputes listed as disputed on my credit reports, but once a CRA lists my account as Disputed, virtually the next day the Furnisher will erroneously, purposelessly, maliciously, abusively, willfully, deliberately, intentionally and frivolously remove and delete the Disputed required entry using Metro 2 mid-cycle unauthorized and prohibited entries in violation of the Facially False Data prevention requirements recently explained in detail by CFPB XXXX XXXXXXXX XXXX Not only is the entire Metro 2 system unworkable but employees are not adequately trained to insure accurate data coding. Willful failures to report accounts as Disputed and closed carry statutory damages of {$1000.00} plus punitive damages for each violation for every time the required entry was changed or deleted. I insist on 100 % compliance with the FCRA and other statutes mandating deletion if all disputed entries permanently.
A common FCRA violation is when a creditor posts late payments after the debt has charged off a past due balance. I will Document this violation by highlighting the accounts on every CRA and by filing a direct and indirect dispute with the Furnisher and every CRA. Care should be taken by the disputed purported debt collector to avoid violating any statutes, if it is stupid enough to report my data to any CRA.
The United States Supreme Court has held that willful violations of the FCRA include violations committed in reckless disregard of a company 's obligations under FCRA. Safeco Ins. Co., 127 S.Ct. at 2208-10. This standard of willfulness is now the law of the land.
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the United States Court of Appeals , Fourth Circuit wrote : On XX/XX/XXXX, XXXX brought this suit, alleging that XXXX XXXX XXXX violated its duties as a furnisher of information under FCRA , 15 U.S.C.A. 1681s-2 ( b ) ( 1 ), by failing to report the dispute. At the conclusion of the trial, the court instructed the jury on XXXXXXXX XXXX XXXX 's statutory duties as a furnisher of information. The trial court also instructed the jury that it could find XXXX XXXX XXXX had violated FCRA by failing to report the ongoing dispute After deliberation, the jury returned a verdict finding that XXXXXXXX XXXX XXXX had intentionally violated its duties under FCRA. The jury awarded Saunders no compensatory damages but did award the maximum possible statutory damages of {$1000.00} and punitive damages of {$80000.00}. WOW!!! This means that the failure of a Furnisher to report a DISPUTE on a consumers credit report could result in statutory damages of {$1000.00} plus punitive damages of {$80000.00}. Failure to list my account as dispute, in violation of law, will not help collection efforts and only result in huge damages to ensure and enforce compliance. While many attorneys recommend filing lawsuits right away for obvious FCRA and FDCPA violations, I prefer to give violators repeated notices as I prefer to get {$80000.00} instead of {$1000.00} when a violator is stupid.
I have a right to Privacy. Due to extensive and widespread malicious Willful violations of the FCRA, to protect my right to privacy, I hereby immediately OPT OUT and permanently revoke any right to report data on any of my credit reports as otherwise permitted and set forth in section 313.15 - Other exceptions to notice and opt out requirements- ( 5 ) ( i ) To a consumer reporting agency in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1682 et seq. or ( ii ) From a consumer report reported by a consumer reporting agency. The exceptions can apply if and only if every Furnisher and every CRA comply with ALL of their obligations under the FCRA. Once known violations of the FCRA have been disputed with Furnishers and every CRA multiple times without correction or deletion as required, the rights to report is deemed automatically revoked and an affected consumer may unilaterally OPT OUT entirely of credit reporting in the interest of justice. Consumer rights to OPT OUT from credit reporting to prevent inaccurate reporting TRUMP the rights of disputed creditors to flagrantly abuse the FCRA with impunity. The CFPB recently filed an amicus brief, arguing that furnishers are statutorily obligated to investigate both legal and factual questions raised in consumer disputes. The CFPB 's brief acknowledges that several federal courts have distinguished between " factual '' and " legal '' questions in determining the obligation of CRAs to investigate disputes under 15 U.S.C. 1681i. I need a complex analysis of the factual and legal issues and documentation requested herein rather than a worthless bare unsupported denial or statement.
Every Furnisher and CRA has failed to comply with any of their obligations as set forth in the below statute which is simple to understand.
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information.
( 1 ) Prohibition.
* Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
* Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to speciry such an address ( 2 ) Duty to correct and update information. A person who * regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer : and * has furnished to a consumer reporting agency information that the person determines is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information. that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
1. Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
2. Duty to provide notice of closed accounts. A person who regularly and in the ordinary course of business furnishes information to a consumer reporting agency regarding a consumer who has a credit account with that person shall notify the agency of the voluntary closure of the account by the consumer, in information regularly furnished for the period in which the account is closed.
3. Duty to provide notice of delinquency of accounts. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action.
( b ) Duties of furnishers of information upon notice of dispute.
( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall * conduct an investigation with respect to the disputed information; * review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 168li ] ; * report the results of the investigation to the consumer reporting agency ; and * if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished Simply stated, Furnishers and every CRA willfully and negligently failed to fulfill their mandatory obligations. States and federal authorities seem to attempt to license every possible type of employee, even dog sitters and dog catchers! If a doctor and lawyer needs to be licensed, then it is more important that a Metro 2 compliance expert is more important to be licensed to protect the privacy rights of consumers. Send employees back to Metro 2 school and refrain from permitting new untrained employees to inaccurately code data entries on consumer credit reports. Some system needs to be in place with comprehensive internal controls to protect consumers from XXXX, XXXX, and XXXX XXXX digit codes summarizing complaints without reading and forwarding disputes to Furnishers and other CRAs. We do not need untrained high school students doing the job required by certified EXPERTS. Simple Facially False Data is unable to be detected and corrected after repeated disputes where a Furnisher admits inaccuracies. The entire credit reporting system is a disgrace and the CFPB needs to punish individual violators. I demand complete 100 % compliance with all statutes, federal and state, as a precondition for receiving payment if any kind. CRAs created an unworkable monster with the creation of Metro 2 and statutory and punitive damages are the sole remedy to provide consumers with rights required by statutes. We need XXXX XXXX XXXX to continue to partner with CFPB XXXX XXXX XXXX, to lay down the hammer on violators and individual Officers who continue to XXXXXXXX XXXX consumers as part of their DNA.
Wouldnt you agree that deliberate violations of the FCRA which unjustly reduces a credit score by XXXX points is wrong? How would you like it if your Mom and Dad were wrongly affected by life changing FCRA willful violations? How would you like it if your employer fired you, your spouse or your adult children for repeated willful violations of federal statutes? How would you like it if the CFPB banned you for life from participating in the business you have worked in for 20 years? How would you like it if all of your assets and sources of income were frozen and taken away?
Have a heart and dont take your job so seriously that you will work for peanuts to damage innocent XXXXXXXX XXXX XXXX who only seek to live the final few years of their life in peace without elder abuse!
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IMPROPER BANKING PRACTICES AND PERHAPS UNLAWFUL ACTIONS It is my belief that, had the CFPB properly conducted an investigation in this matter, it would have become apparent that Synchrony Bank has engaged and continues to engage in improper and perhaps unlawful actions, with the intent to possess and retain money that is not rightfully property of Synchrony Bank or is acting in support others to possess money not rightfully their : 1. In XXXX and XXXX of XXXX, Synchrony Bank accepted money ( See attachment Pages # 1- # 3 ; a total of {$470.00} ) from XXXX XXXX by ACH, that was issued to them on my behalf ( XXXX XXXX XXXX ), for the express purpose of satisfying an outstanding debt with a commercial business, i.e. ; XXXX XXXX. After accepting that money from XXXX XXXX, Synchrony Bank, their customer XXXX XXXX or other unnamed and unknown customers ( it is my understanding the XXXX XXXX XXXX had some interest in or banking connection to XXXX XXXX at this time ), did not apply that money to my outstanding balance, and failing that, did not take steps to return the money to its rightful owner, XXXX XXXX XXXX.
2. Following this failure to complete the transactions, Synchrony Bank stonewalled inquiries from XXXX XXXX and from myself ( XXXX XXXX ) to recover this money. ( See attachments Page # 4 and # 5 from XXXX XXXX. ) I also contacted Synchrony at this time and despite multiple promises, they never responded to me. They delayed actions by asking me to obtain documents from XXXX XXXX that they knew were not banking industry required documents.
3. In furtherance of their improper and perhaps illegal behavior, Synchrony Bank and other parties, have continued to stonewall attempts to provide complete and proper accounting for the status of the diverted funds by creating false records, including false transactions on false dates and proving misleading or false information to everyone involved, including the CFPB and the PA Attorney Generals Office. For example : you will note that to date, Synchrony Bank has never denied receiving the money in question from XXXX XXXX. They have only stated repeatedly that they can not locate it.
4. To further their improper and perhaps illegal behavior, Synchrony Bank has created false records of purchase transactions ( See attachment Page # 10 ) and created a false paper trail of misleading and contradictory letters to justify their actions or their failure to act properly to resolve this matter.
5. In order to further their improper and perhaps illegal behavior and create additional pressure on myself ( Mr. XXXX ), at some time in XXXX of XXXX Synchrony bank re-opened Mr. XXXXXXXX XXXX XXXX account, which Mr. XXXX had demanded be closed in XX/XX/XXXX. ( See Attachments Pages # 6, # 7 & # 8 ). The account was closed and all credit agencies were notified of this closure. However, during the dispute of this matter, Synchrony Bank has cited to these agencies that Mr. XXXX is delinquent in making payments on the disputed account, to which Synchrony Bank is also applying interest.
6. Since I have disputed Synchronys right to my money, I ( Mr. XXXX XXXX have been financial damaged by Synchrony who has taken improper actions, falsely notifying all of the credit agencies that this account is still open and delinquent, despite my lawful dispute of Synchronys improper and perhaps illegal actions.
EXPECTED CONSUMER ACTIONS TO RESOLVE In defense of my ( Mr. XXXX XXXX actions in this matter, if CFPB had fully investigated, it would have learned that XXXX XXXX provide Mr. XXXX with transaction records which XXXX claims proves that Synchrony Bank received the initial {$470.00}, on behalf of XXXX XXXX ( see attachments Pages # 1 - # 3 ). These documents have been provided to XXXX XXXX and to Synchrony Bank by both XXXX XXXX and by Mr. XXXX, on multiple occasions since XXXX of XXXX.
You can see by the transaction records and the two monthly statement documents, that I ( Mr. XXXX ) have proven that the money was removed from my XXXX XXXX account for the express purpose of paying XXXX XXXX. After the money was removed from my account and sent to Synchrony Bank, I have no ability to see or to know what happening with the money or to the XXXX ACH sent to Synchrony Bank. XXXX XXXX has provided the transaction record, that they claim proves the money was turned over to the Synchrony Bank. It seems logical that since XXXX XXXX has provided proof of its claim that the money was sent by ACH to Synchrony Bank, the burden should logically fall to Synchrony Bank to either refute this claim with proof or accept that Synchrony Bank received the money and the money is somewhere lost in the Synchrony System or perhaps wrongly given to one of its customers.
If CFPB were to have actually investigated and the burden of proof had shifted to Synchrony Bank, then CFPB should logically expect Synchrony Bank to prove that the bank never received the money, or if it did receive the money, that it applied the money to Mr. XXXXXXXX XXXX XXXX account, or determined that there was a problem with the two ACH transactions, which should have caused Synchrony Bank to returned the money to XXXX XXXX. In any event, CFPB must expect the burden to shift at some point to Synchrony Bank to prove that it did not wrongfully receive, keep or misapply the money to some other entity besides XXXX XXXX.
If the CFPB had investigated, they would see that despite significant correspondence from Synchrony Bank, the bank has never denied receiving the money, but continues to make self-serving statements like they can not determine the status of the money. In fact, when contacted by XXXX XXXX in my presence, on or about XX/XX/XXXX of XXXX, the Synchrony Bank representatXXXX XXXX XXXX, who I learned lives and works from her home in the XXXX XXXX XXXX XXXXXXXX ), admitted that she could see the initial transaction, but she needed to investigate where the money ended up within the Synchrony Banking system.
Synchrony Bank has never denied receiving the money from XXXX XXXX. However, Synchrony has failed to legally support its right, or the right of other parties, who may have received the money from Synchrony, to retain or recover the {$470.00} in question.
Furthermore, Synchrony Bank has failed to support their legal right to re-open a credit account in my name ( Mr. XXXX ), which was legally closed at my request. Furthermore, they have not established a legal premise that would allow them to falsify transactions ( See Attachment Page # 10 ) to suggest that they are entitled to the {$470.00} in question or any interest that they are charging for these funds. It would seem logical that without my express permission, no credit account can be re-established and no false debt can be created. If that were not true, then all banks would be engaging in these activities to generate funds. XXXX This action seems to be the same illegal action for which the CFPB recently fined XXXX XXXX. ) MR. XXXX CONTINUED REQUEST OF THE CFPB It would seem very logical, that I ( Mr. XXXX ), am not the only individual who has been deprived of money, as a result of similar action by Synchrony Bank or other financial institutions. There seems to be no easily accessible consumer tool to resolve these matters. In absence of clear methods to resolve these circumstances, the CFPB should investigate other consumer complaints, regarding those who may have lost money or had such money misapplying by institutions such as Synchrony, whom such funds were entrusted. In such circumstances it should be considered if the Banks acted with the proper good faith and fair dealing, expected by financial institutions under the law to resolve these matters. I ask that the CFPB examine and resolve the status of my money which has disappeared, and any other money lost or misplaced in other similar cases.
With all the questionable actions attributed to Synchrony bank in just this single circumstance, it would seem proper for the CFPB to investigate how Synchrony Bank has handled and resolved similar circumstances with all other customers in the past. If there are discrepancies surrounding the handling of this case and failures to act in a manner which would be considered fair and in good faith, an investigation with a much broader scope should be considered.
Perhaps CFPB should require the creation of a minimum legal banking standard, for the resolution of such circumstances, requiring proper and honest records to be kept, which would allow for the traceability of lost or misapplied money, when such money is transferred physically or electronically between banks and customers. There should be emphasis on what steps should be taken when the funds transferred do not end up satisfying the legal transaction for which the bank customer intended.
In all of the documents and communication shared by the Synchrony, there is no reference to the law ( s ) that allow them the right to engage in many of these improper and perhaps illegal actions for which they have engaged. The CFPB should require banks to provide the legal justification for their actions in the correspondence shared with the consumers.
ARE THE ACTIONS TAKEN BY SYNCHRONY BANK LEGAL ( IN GOOD FAITH AND FAIR UNDER THE LAW ) Synchrony Banks many actions appear to be in furtherance of their attempt to deprive me ( Mr. XXXX ) of {$470.00} which was transferred to Synchrony Bank by XXXX XXXX to satisfy a debt. Synchrony Bank has also created false transactions, incorrect documents and has opened a legally closed credit card account, without permission of the person named on that account, for the express purpose of creating a false claim and generating ill-gotten interest. In furtherance of these actions, Synchrony Bank has provided false and misleading information to the Major Credit Agencies citing false liabilities to create leverage and to damage Mr. XXXX credit and credibility. These actions were taken as a scare tactic, during this active financial dispute.
I would ask the CFPB to determine and advise Mr. XXXX, if it is legal, fair, in good faith and proper for Synchrony Bank to : 1. Re-open a consumer credit account, lawfully closed by the consumer, which was satisfied and had a XXXX balance, without the express permission of that consumer. ( This appears to be the same behavior that caused fines to be levied against XXXX XXXX XXXX. ) 2. Create false transactions on that account which was wrongly reopened, without the consumers permission or knowledge, referencing a purchase or purchases, that did not occur ( XXXX of XXXX ), in order to create a false balance, which they are now using to attempt to charge the consumer interest, threatening the consumer and damaging his credit worthiness, while the consumer is attempting to seek fair resolution of this dispute and recover funds which he believes were owed to him.
3. Is it proper for Synchrony Bank to engage in behaviors with the intent to mislead the consumer, XXXX XXXX and other investigatory agencies, ( including the CFBP ) about its actions to resolve this matter? Does the bank have an obligation of good faith and fair dealing to control funds in dispute, until the matter is resolved and to leave instructions for their employees not to release money or information in dispute until the matter is resolved?
4. Is it proper for Synchrony Bank to not following through, not keeping good and/ or correct transaction records, then by their negligence, allow one of their representative to release funds to the consumer which they claim are in dispute, later creating a false debt record and following up with several self-serving, but contradictory letters in an attempt to entrap the consumer into returning money which he sincerely believes is his.
5. Further is it legal for Synchrony Bank to charge the consumer interest on these funds which they know are in dispute.
a. On or about XX/XX/XXXX, I paid a visit to my local XXXX XXXX and with the help of a local banker, attempted to find the money removed from my account and transferred by ACH to Synchrony Bank. The XXXX banker sat with me for more than two hours working with Synchrony. He was able to demonstrate to the representative of Synchrony ( XXXX ), that the money had been transferred by XXXX to Synchrony, but not applied to my XXXX XXXX account or ever returned to XXXX Bank. The Synchrony representative stated she needed a few days to investigate where the money went within Synchrony. It was agreed XXXX would contact me by XX/XX/XXXX with the answers.
When no call or other information was received as promised from the Synchrony representative, on XX/XX/XXXX, I ( Mr. XXXX ) called the number the Synchrony representative had provided. A different Synchrony person answered my call. XXXX was unavailable, so I was forced to relate the whole matter to the new representative. This representative said she could not see any record of the information I had related or notes from XXXX, but did see that the amount of money I identified, was shown as a credit in my previously closed XXXX account. I said the account was legally closed so that was impossible. The Synchrony representative insisted the money was there. I then asked how I could gain the return of the money, which has always been my intent. The Synchrony person did not argue with my statement about the money being mine or the account being legally closed. When asked if that money could be returned to me by check, the Synchrony employee said it could. I stated that would be my desire. The money was sent to me in a check dated XX/XX/XXXX, which was received just before year end and deposited in my XXXX XXXX account on XX/XX/XXXX.
Following the receipt of that check, I received at least 4 letters from Synchrony Bank which seemed related to my dispute but were contrary to the facts. The first two letters were both dated ( but not received on XX/XX/XXXX ), XXXX ( the very day I spoke to the person who agreed to create the check and six days before the check was actually issued. ) One letter spoke about my XX/XX/XXXX payment of {$230.00}, for which they had given me credit, saying it could take up to 90 days to fully resolve this matter.
The second letter also dated, XX/XX/XXXX, stated that they had found that the payment had not been credited to your account. They asked for more information to resolved this. ( After speaking with a Synchrony representative and a XXXX XXXX representative about this letter, I believed Synchrony was already in possession of the information requested, which had been provided by both XXXX and myself to Synchrony and to XXXX XXXX, who had given it to Synchrony. I had told the Synchrony representative that they had the information and XXXX XXXX had stated that nothing more could be given to them.
Sometime in early XXXX of XXXX, I received a letter dated XX/XX/XXXX, the day before the check was issued. It stated that on XX/XX/XXXX, a refund check was mailed to me for the full amount of {$470.00}. For the record, the check was actually dated XX/XX/XXXX, not XXXX, and the amount was the full {$470.00} dollars owed, not {$230.00} as stated in the dispute letter. ( As noted, the information in the letters did not align with the dates of the check, the amount of the check, or even the full circumstance of the check, so I determined it must be flawed and disregarded it. I had received and deposited the check already. I felt that the contradicting letters were a function of multiple peoples involvement. In my mind this matter seemed closed.
Within a few days of receiving the XX/XX/XXXX letter acknowledging that a refund was being sent, I received an additional letter from Synchrony Bank. In that letter Synchrony claimed that despite issuing me a refund, that they were unable to approve my claim. The stated that the credit that they placed in my account on XX/XX/XXXX ( again, the very day I called inquiring about the status of my claim ) was being withdrawn. They further stated that my claim was closed ( without explanation ) and I might expect charges in my account ( which was closed ) in the next billing cycle. Thus began an almost weekly barrage of abusive and threatening debt delinquency letters, stating I owe my {$470.00} dollars back to Synchrony and I must pay continuously mounting back interest on this disputed money.
Since that time, I have requested the assistance of the PA Attorney Generals Office and the CFPB. The PA Attorney Generals Office has indicated that without a criminal complaint, they can only voluntarily mediate a discussion between Synchrony and myself. Since Synchrony has never denied receiving the money, but continues to deny without explanation that they should return the money, there seems to be nothing to mediate. Both the Attorney Generals Office and XXXX XXXX had suggested contacting the CFPB to gain a resolution.
6. Is it legal and proper for Synchrony Bank to continue to charge interest on the money in dispute, while the dispute process is on-going?
7. Is it legal and proper for Synchrony Bank to send me letters which I interpret to be abusive and threatening, nearly weekly, stating that I owe them money which was rightfully mine and to also allege I owe interest, which is compounding, during a period when the matter is still in dispute and during which they have not taken proper action to resolve?
8. Is it legal and proper for Synchrony to have a person ( Ms. XXXX XXXX ) contact me, leave a partial message with a phone number to contact her, which when called, was a recorded message indicating that my call was being recorded as an attempt to collect a debt. It would seem to any reasonable person that responding in any manner after such a recording might be construed to be an admission of an obligation to pay a debt, which is the very core of this dispute.
It should be noted that more than one attempt to contact Ms. XXXX was made, but Ms. XXXX never answered my calls and the message implying an attempt to collect a debt, was played every time I called. It should also be noted that Ms. XXXX, only attempted to call me once and has not contacted me since. If she wanted to resolve this matter, she would have determined where my money was lost and continued to contact me until the matter was resolved.
The American banking system continues to operate upon the legal premise that banks are monitored and controlled in such a manner that they must act fairly, in good faith and account for all money placed in their possession. It is a logical extension of that premise and the requirements created, that when money is transferred between banks, both banks have an equal responsibility to confirm that the transaction correctly took place. Furthermore, if during the transaction the money is improperly lost or misplaced, both banks have the obligation to help locate the money and return it to its rightful owner. Failing any ability to identify the rightful owner, the bank in possession of the money is obligated to remit the funds to the government to be held for recovery by the rightful owner.
If that is not true, then this should be communicated to the consumer population as a public service.
At this moment, XXXX XXXX has provided proof that it transferred my {$470.00} to Synchrony Bank, to be given to XXXX XXXX. XXXX claimed it did not get the money, but Synchrony has remained silent on whether it received the money or what the bank did with the money, if they did not give it to XXXX.
IN SUMMARY I ask the CFPB to compel the parties ( Synchrony Bank, XXXX XXXX, XXXX XXXX and any third party who may have wrongly received this money ) to use their collective resources to determine where my money went, to recover it and return it to its rightful owner ( XXXX XXXX XXXX ). I further request that Synchrony Bank cease it false, threatening and abusive behavior, in regard to Mr. XXXX, also returning any interest charged during all disputed transactions, ending all false attempting to collect interest, from the closed XXXX Account, and repairing the damage they have caused to my credit and reputation, by admitting their predatory actions to the major credit agencies. Only after this is done can there be a satisfactory resolution of this matter.
I ask that if the CFPB determines that anyone acted improperly, that educative and corrective steps be taken. If any actions were determined to be criminal, I ask that stronger corrective measures be initiated.
Synchrony Bank has indicated that they gave me {$470.00} in error, which they claim they should be returned. I stand ready to return their money if they can prove who received my {$470.00} and help in its recovery. if the CFPB can prove that Synchrony Bank never received my money, I should be advised and I will issue a check.
I ask that the CFPB stop Synchrony Bank from charging me interest on this dispute. They or some other party has held my {$470.00} for 22 months, during which I attempted to recover it and did not receive interest. It has only been seven months since they issued me a check for {$470.00} and they are more than partially responsible for the confusion that cause this to escalate to the CFPB.
Thank you for your patience in reviewing this document and acting to resolve this matter.
Sincerely, XXXX XXXX XXXX
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| 06/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX IS SHARING MY PERSONAL INFORMATION WITHOUT MY CONSENT, THIS IS AGAINST THE LAW, THEY ARE ALSO PUTTING ME AT RISK FOR IDENTITY THEFT BY BREACHING MY INFORMATION. ( 815 ILCS 530/ ) Personal Information Protection Act.
( 815 ILCS 530/1 ) Sec. 1. Short title. This Act may be cited as the Personal Information Protection Act.
( Source : P.A. 94-36, eff. 1-1-06. ) ( 815 ILCS 530/5 ) Sec. 5. Definitions. In this Act : " Data collector '' may include, but is not limited to, government agencies, public and private universities, privately and publicly held corporations, financial institutions, retail operators, and any other entity that, for any purpose, handles, collects, disseminates, or otherwise deals with nonpublic personal information. " Breach of the security of the system data '' or " breach '' means unauthorized acquisition of computerized data that compromises the security, confidentiality, or integrity of personal information maintained by the data collector. " Breach of the security of the system data '' does not include good faith acquisition of personal information by an employee or agent of the data collector for a legitimate purpose of the data collector, provided that the personal information is not used for a purpose unrelated to the data collector 's business or subject to further unauthorized disclosure. " Health insurance information '' means an individual 's health insurance policy number or subscriber identification number, any unique identifier used by a health insurer to identify the individual, or any medical information in an individual 's health insurance application and claims history, including any appeals records. " Medical information '' means any information regarding an individual 's medical history, mental or physical condition, or medical treatment or diagnosis by a healthcare professional, including such information provided to a website or mobile application. " Personal information '' means either of the following : ( 1 ) An individual 's first name or first initial and last name in combination with any one or more of the following data elements, when either the name or the data elements are not encrypted or redacted or are encrypted or redacted but the keys to unencrypt or unredact or otherwise read the name or data elements have been acquired without authorization through the breach of security : ( A ) Social Security number.
( B ) Driver 's license number or State identification card number.
( C ) Account number or credit or debit card number, or an account number or credit card number in combination with any required security code, access code, or password that would permit access to an individual 's financial account.
( D ) Medical information.
( E ) Health insurance information.
( F ) Unique biometric data generated from measurements or technical analysis of human body characteristics used by the owner or licensee to authenticate an individual, such as a fingerprint, retina or iris image, or other unique physical representation or digital representation of biometric data. ( 2 ) User name or email address, in combination with a password or security question and answer that would permit access to an online account, when either the user name or email address or password or security question and answer are not encrypted or redacted or are encrypted or redacted but the keys to unencrypt or unredact or otherwise read the data elements have been obtained through the breach of security.
" Personal information '' does not include publicly available information that is lawfully made available to the general public from federal, State, or local government records.
( Source : P.A. 99-503, eff. 1-1-17. ) ( 815 ILCS 530/10 ) Sec. 10. Notice of breach.
( a ) Any data collector that owns or licenses personal information concerning an Illinois resident shall notify the resident at no charge that there has been a breach of the security of the system data following discovery or notification of the breach. The disclosure notification shall be made in the most expedient time possible and without unreasonable delay, consistent with any measures necessary to determine the scope of the breach and restore the reasonable integrity, security, and confidentiality of the data system. The disclosure notification to an Illinois resident shall include, but need not be limited to, information as follows : ( 1 ) With respect to personal information as defined in Section 5 in paragraph ( 1 ) of the definition of " personal information '' : ( A ) the toll-free numbers and addresses for consumer reporting agencies ; ( B ) the toll-free number, address, and website address for the Federal Trade Commission ; and ( C ) a statement that the individual can obtain information from these sources about fraud alerts and security freezes.
The notification shall not, however, include information concerning the number of Illinois residents affected by the breach.
( 2 ) With respect to personal information defined in Section 5 in paragraph ( 2 ) of the definition of " personal information '', notice may be provided in electronic or other form directing the Illinois resident whose personal information has been breached to promptly change his or her user name or password and security question or answer, as applicable, or to take other steps appropriate to protect all online accounts for which the resident uses the same user name or email address and password or security question and answer.
( b ) Any data collector that maintains or stores, but does not own or license, computerized data that includes personal information that the data collector does not own or license shall notify the owner or licensee of the information of any breach of the security of the data immediately following discovery, if the personal information was, or is reasonably believed to have been, acquired by an unauthorized person. In addition to providing such notification to the owner or licensee, the data collector shall cooperate with the owner or licensee in matters relating to the breach. That cooperation shall include, but need not be limited to, ( i ) informing the owner or licensee of the breach, including giving notice of the date or approximate date of the breach and the nature of the breach, and ( ii ) informing the owner or licensee of any steps the data collector has taken or plans to take relating to the breach. The data collector 's cooperation shall not, however, be deemed to require either the disclosure of confidential business information or trade secrets or the notification of an Illinois resident who may have been affected by the breach.
( b-5 ) The notification to an Illinois resident required by subsection ( a ) of this Section may be delayed if an appropriate law enforcement agency determines that notification will interfere with a criminal investigation and provides the data collector with a written request for the delay. However, the data collector must notify the Illinois resident as soon as notification will no longer interfere with the investigation. ( c ) For purposes of this Section, notice to consumers may be provided by one of the following methods : ( 1 ) written notice ; ( 2 ) electronic notice, if the notice provided is consistent with the provisions regarding electronic records and signatures for notices legally required to be in writing as set forth in Section 7001 of Title 15 of the United States Code ; or ( 3 ) substitute notice, if the data collector demonstrates that the cost of providing notice would exceed {$250000.00} or that the affected class of subject persons to be notified exceeds XXXX, or the data collector does not have sufficient contact information. Substitute notice shall consist of all of the following : ( i ) email notice if the data collector has an email address for the subject persons ; ( ii ) conspicuous posting of the notice on the data collector 's web site page if the data collector maintains one ; and ( iii ) notification to major statewide media or, if the breach impacts residents in one geographic area, to prominent local media in areas where affected individuals are likely to reside if such notice is reasonably calculated to give actual notice to persons whom notice is required.
( d ) Notwithstanding any other subsection in this Section, a data collector that maintains its own notification procedures as part of an information security policy for the treatment of personal information and is otherwise consistent with the timing requirements of this Act, shall be deemed in compliance with the notification requirements of this Section if the data collector notifies subject persons in accordance with its policies in the event of a breach of the security of the system data.
( Source : P.A. 99-503, eff. 1-1-17. ) ( 815 ILCS 530/12 ) Sec. 12. Notice of breach ; State agency.
( a ) Any State agency that collects personal information concerning an Illinois resident shall notify the resident at no charge that there has been a breach of the security of the system data or written material following discovery or notification of the breach. The disclosure notification shall be made in the most expedient time possible and without unreasonable delay, consistent with any measures necessary to determine the scope of the breach and restore the reasonable integrity, security, and confidentiality of the data system. The disclosure notification to an Illinois resident shall include, but need not be limited to information as follows : ( 1 ) With respect to personal information defined in Section 5 in paragraph ( 1 ) of the definition of " personal information '' : ( i ) the toll-free numbers and addresses for consumer reporting agencies ; ( ii ) the toll-free number, address, and website address for the Federal Trade Commission ; and ( iii ) a statement that the individual can obtain information from these sources about fraud alerts and security freezes.
( 2 ) With respect to personal information as defined in Section 5 in paragraph ( 2 ) of the definition of " personal information '', notice may be provided in electronic or other form directing the Illinois resident whose personal information has been breached to promptly change his or her user name or password and security question or answer, as applicable, or to take other steps appropriate to protect all online accounts for which the resident uses the same user name or email address and password or security question and answer.
The notification shall not, however, include information concerning the number of Illinois residents affected by the breach.
( a-5 ) The notification to an Illinois resident required by subsection ( a ) of this Section may be delayed if an appropriate law enforcement agency determines that notification will interfere with a criminal investigation and provides the State agency with a written request for the delay. However, the State agency must notify the Illinois resident as soon as notification will no longer interfere with the investigation.
( b ) For purposes of this Section, notice to residents may be provided by one of the following methods : ( 1 ) written notice ; ( 2 ) electronic notice, if the notice provided is consistent with the provisions regarding electronic records and signatures for notices legally required to be in writing as set forth in Section 7001 of Title 15 of the United States Code ; or ( 3 ) substitute notice, if the State agency demonstrates that the cost of providing notice would exceed {$250000.00} or that the affected class of subject persons to be notified exceeds 500,000, or the State agency does not have sufficient contact information. Substitute notice shall consist of all of the following : ( i ) email notice if the State agency has an email address for the subject persons ; ( ii ) conspicuous posting of the notice on the State agency 's web site page if the State agency maintains one ; and ( iii ) notification to major statewide media.
( c ) Notwithstanding subsection ( b ), a State agency that maintains its own notification procedures as part of an information security policy for the treatment of personal information and is otherwise consistent with the timing requirements of this Act shall be deemed in compliance with the notification requirements of this Section if the State agency notifies subject persons in accordance with its policies in the event of a breach of the security of the system data or written material. ( d ) If a State agency is required to notify more than 1,000 persons of a breach of security pursuant to this Section, the State agency shall also notify, without unreasonable delay, all consumer reporting agencies that compile and maintain files on consumers on a nationwide basis, as defined by 15 U.S.C. Section 1681a ( p ), of the timing, distribution, and content of the notices. Nothing in this subsection ( d ) shall be construed to require the State agency to provide to the consumer reporting agency the names or other personal identifying information of breach notice recipients.
( e ) Notice to Attorney General. Any State agency that suffers a single breach of the security of the data concerning the personal information of more than 250 Illinois residents shall provide notice to the Attorney General of the breach, including : ( A ) The types of personal information compromised in the breach.
( B ) The number of Illinois residents affected by such incident at the time of notification.
( C ) Any steps the State agency has taken or plans to take relating to notification of the breach to consumers.
( D ) The date and timeframe of the breach, if known at the time notification is provided.
Such notification must be made within 45 days of the State agency 's discovery of the security breach or when the State agency provides any notice to consumers required by this Section, whichever is sooner, unless the State agency has good cause for reasonable delay to determine the scope of the breach and restore the integrity, security, and confidentiality of the data system, or when law enforcement requests in writing to withhold disclosure of some or all of the information required in the notification under this Section. If the date or timeframe of the breach is unknown at the time the notice is sent to the Attorney General, the State agency shall send the Attorney General the date or timeframe of the breach as soon as possible.
( Source : P.A. 99-503, eff. 1-1-17. ) ( 815 ILCS 530/15 ) Sec. 15. Waiver. Any waiver of the provisions of this Act is contrary to public policy and is void and unenforceable.
( Source : P.A. 94-36, eff. 1-1-06. ) ( 815 ILCS 530/20 ) Sec. 20. Violation. A violation of this Act constitutes an unlawful practice under the Consumer Fraud and Deceptive Business Practices Act.
( Source : P.A. 94-36, eff. 1-1-06. ) ( 815 ILCS 530/25 ) Sec. 25. Annual reporting. Any State agency that collects personal data and has had a breach of security of the system data or written material shall submit a report within 5 business days of the discovery or notification of the breach to the General Assembly listing the breaches and outlining any corrective measures that have been taken to prevent future breaches of the security of the system data or written material. Any State agency that has submitted a report under this Section shall submit an annual report listing all breaches of security of the system data or written materials and the corrective measures that have been taken to prevent future breaches.
( Source : P.A. 94-947, eff. 6-27-06. ) ( 815 ILCS 530/30 ) Sec. 30. Safe disposal of information. Any State agency that collects personal data that is no longer needed or stored at the agency shall dispose of the personal data or written material it has collected in such a manner as to ensure the security and confidentiality of the material.
( Source : P.A. 94-947, eff. 6-27-06. ) ( 815 ILCS 530/40 ) Sec. 40. Disposal of materials containing personal information ; Attorney General.
( a ) In this Section, " person '' means : a natural person ; a corporation, partnership, association, or other legal entity ; a unit of local government or any agency, department, division, bureau, board, commission, or committee thereof ; or the State of Illinois or any constitutional officer, agency, department, division, bureau, board, commission, or committee thereof.
( b ) A person must dispose of the materials containing personal information in a manner that renders the personal information unreadable, unusable, and undecipherable. Proper disposal methods include, but are not limited to, the following : ( 1 ) Paper documents containing personal information may be either redacted, burned, pulverized, or shredded so that personal information can not practicably be read or reconstructed.
( 2 ) Electronic media and other non-paper media containing personal information may be destroyed or erased so that personal information can not practicably be read or reconstructed.
( c ) Any person disposing of materials containing personal information may contract with a third party to dispose of such materials in accordance with this Section. Any third party that contracts with a person to dispose of materials containing personal information must implement and monitor compliance with policies and procedures that prohibit unauthorized access to or acquisition of or use of personal information during the collection, transportation, and disposal of materials containing personal information. ( d ) Any person, including but not limited to a third party referenced in subsection ( c ), who violates this Section is subject to a civil penalty of not more than {$100.00} for each individual with respect to whom personal information is disposed of in violation of this Section. A civil penalty may not, however, exceed {$50000.00} for each instance of improper disposal of materials containing personal information. The Attorney General may impose a civil penalty after notice to the person accused of violating this Section and an opportunity for that person to be heard in the matter. The Attorney General may file a civil action in the circuit court to recover any penalty imposed under this Section.
( e ) In addition to the authority to impose a civil penalty under subsection ( d ), the Attorney General may bring an action in the circuit court to remedy a violation of this Section, seeking any appropriate relief.
( f ) A financial institution
under 15 U.S.C. 6801 et. seq. or any person subject to 15 U.S.C. 1681w is exempt from this Section.
( Source : P.A. 97-483, eff. 1-1-12. ) ( 815 ILCS 530/45 ) Sec. 45. Data security.
( a ) A data collector that owns or licenses, or maintains or stores but does not own or license, records that contain personal information concerning an Illinois resident shall implement and maintain reasonable security measures to protect those records from unauthorized access, acquisition, destruction, use, modification, or disclosure.
( b ) A contract for the disclosure of personal information concerning an Illinois resident that is maintained by a data collector must include a provision requiring the person to whom the information is disclosed to implement and maintain reasonable security measures to protect those records from unauthorized access, acquisition, destruction, use, modification, or disclosure.
( c ) If a state or federal law requires a data collector to provide greater protection to records that contain personal information concerning an Illinois resident that are maintained by the data collector and the data collector is in compliance with the provisions of that state or federal law, the data collector shall be deemed to be in compliance with the provisions of this Section.
( d ) A data collector that is subject to and in compliance with the standards established pursuant to Section 501 ( b ) of the Gramm-Leach-Bliley Act of 1999, 15 U.S.C. Section 6801, shall be deemed to be in compliance with the provisions of this Section.
( Source : P.A. 99-503, eff. 1-1-17. ) ( 815 ILCS 530/50 ) Sec. 50. Entities subject to the federal Health Insurance Portability and Accountability Act of 1996. Any covered entity or business associate that is subject to and in compliance with the privacy and security standards for the protection of electronic health information established pursuant to the federal Health Insurance Portability and Accountability Act of 1996 and the Health Information Technology for Economic and Clinical Health Act shall be deemed to be in compliance with the provisions of this Act, provided that any covered entity or business associate required to provide notification of a breach to the Secretary of Health and Human Services pursuant to the Health Information Technology for Economic and Clinical Health Act also provides such notification to the Attorney General within 5 business days of notifying the Secretary.
( Source : P.A. 99-503, eff. 1-1-17. ) ( 815 ILCS 530/900 ) Sec. 900. ( Amendatory provisions ; text omitted ).
( Source : P.A. 94-36, eff. 1-1-06 ; text omitted. )
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| 02/22/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Per Cfr 1022.41 and 15 USC 1681 Permissibly purposes, XXXX XXXX XXXX account is { {$580.00} } is reporting incorrect across all credit reporting agencies. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not supposed to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. Here is a list of laws that XXXX XXXX is abusing and violating me as well as all credit reporting agencies. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an accounting of the disclosure was made. ( n ) MAILING LISTS. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In general, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards. In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : /XX/XX/XXXX) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XX/XX/XXXXand XX/XX/XXXX, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul mis reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX andXX/XX/XXXX XXXX XX/XX/XXXX XXXX SYNCB XXXX ACCOUNT # XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Card ACCOUNT # XXXX XX/XX/XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at the address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within a timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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To : Synchrony Bank ( SYN ) all accounts. I write to you regarding your arbitration agreements, provisions and clauses contained in your cardmember agreements submitted to the CFPB as required by law. Pursuant to paragraph 7 of your Arbitration PROCEDURES, I WANT TO ARBITRATE and NOTIFY you in writing of my election, choice, demand and notice to exclusively resolve our disputes with Arbitration with XXXX as my choice of Arbitrators. Notice is Given that if you do not file papers with separate case numbers for each of your account Claims with XXXX and pay all fees within 5 business days, I will assume that you have abandoned any Claims so I will file my own consumer Claims for each account with XXXX seeking statutory and punitive damages for negligent and willful violations of the FCRA and FDCPA for {$70000.00} for every account further demanding IN-PERSON Hearings for each account with separate arbitrators. Despite numerous demands, SYN has concealed disclosure and negligently failed to provide me copies of said applicable agreements with arbitration provisions in deliberate violation of law. I again demand a copy of your cardmember agreement for every one of my SYN credit card accounts with account numbers engraved to each agreement. Pursuant to your arbitration agreements, I again ELECT, CHOOSE and DEMAND that you file for Arbitration for your claims and pay 100 % of the appropriate filing fees and arbitrator fees required by XXXX ( I Elect to choose XXXX ) or XXXX to have any Claims by either of us resolved exclusively by arbitration. Simply stated : ARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURTALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION. Your SYN arbitration agreements stated : NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH DISPUTE. If you or we make a demand for arbitration, you and we must arbitrate any dispute or claim between youand usArbitration may be requested at any time, even where there is a pending lawsuit, unless trial has begun, or a final judgment entered. any dispute that concerns the validity or enforceability of the Agreement as a whole is for the arbitrator to decide. The party who wants to arbitrate must notify the other party in writing. This arbitration agreement provides that all disputes between me and SYN must be resolved by BINDING ARBITRATION whenever you or we choose to submit or refer a dispute to arbitration. By accepting this arbitration agreement SYN and I GIVE UP YOUR RIGHT TO GO TO COURTAll Claims are subject to arbitration whether they arose in the past, may currently exist, or may arise in the futureAlthough under some laws you may have a right to an award of attorneys fees and expenses if you prevail, you agree that you will not seek such an award under Rules of the XXXX. Moreover, any one of my exhaustive claims for FCRA violations, for which there is no defense, is sufficient standing alone to rule the consumer as the prevailing party to thwart any attempt to be awarded attorney fees. SYN agreed that it will pay any costs that are required to be paid by under the arbitration administrators rules of procedures. SYN also agreed to reimburse me for any initial arbitration filing fees I have paid. SYN also agreed to pay any fees of the arbitrator and arbitration administrator for at least the first two days of any hearing. If I win the arbitration, SYN will reimburse you for any fees I paid to the arbitration organization and/or arbitrator. Since I am unable to afford any fees due to my limited Exempt Social Security benefits, that would be mine to pay to the arbitration administrator, SYN agreed to pay all fees. Multiple arbitration provisions, including Rules of XXXX, require SYN to pay 100 % of all fees waiving recoupment of arbitration fees, attorney fees and other costs. This means that litigation is PROHIBITED and litigation will not be tolerated. More importantly, this means that the cost to arbitrate exceeds your Claims so arbitration has no real purpose except to harass, without even considering my FCRA claims. The agreement implies that if SYN willfully violates it, even after my election, choice and demand for arbitration, by filing prohibited and barred litigation, such as in a state or federal court, then not only will the litigation be void mandating dismissal but appropriate action will be taken to compel arbitration. If any Claim is advanced improperly in a court by SYN, arbitration may be elected under this provision and compelled instead. This means that effectively, due to my election and choice and demand, you must file an arbitration demand with XXXX ( or XXXX ) and pay all fees so any litigation would be null and void as a mere ministerial filing of a demand with fee payment would NOW effectively be assumed and concluded that the Claim is NOW in Arbitration making litigation barred as a Claim can not be litigated and arbitrated in 2 separate forums when you have agreed to arbitrate as the sole forum. So if you frivolously sue me in a court, after my election today, in violation the your agreement NOT to litigate, the Clause anticipates that I would file a Motion to Compel Binding Forced Private Arbitration with XXXX or XXXX which would AUTOMATICALLY STAY any litigation under Florida Statutes ( FS ) Section 682.03 ( 6 ) which specifically provides that once a motion to compel arbitration has been filed, the court must STAY any judicial proceeding that involves a claim alleged to be subject to Arbitration until the Court renders a final decision on arbitrability of the dispute. Any decision on a Motion to Compel Arbitration is an appealable decision which, if appealed which I would do if denied, would further Automatically STAY the case pending Appeal for at least 12-24 months. See US Supreme Court XXXX XXXX XX/XX/XXXX decision in COINBASE v Bielski . If I am improperly sued in a state court and you do not agree to arbitrate, I would file a Petition in the United States District Court for the Middle District of Florida Orlando Division to Compel Arbitration with XXXX or XXXX. Under the Federal Arbitration Act, a party aggrieved by the alleged failure, negligent or refusal of another to arbitrate under a written agreement for arbitration may petition any U.S. district court for an order directing that such arbitration proceed in the manner provided for in such agreement. I would easily be successful in any expected federal court action if I am improperly sued and you refuse to arbitrate. While I could file for arbitration with the XXXX or XXXX I want to avoid stupid litigation if I pay the initial {$220.00} fee and you litigate in federal court that you should pay the fee costing {$50000.00} in attorney and other fees for no reason other than to harass. So if you want to collect your disputed Claim you must file a Demand For Arbitration Consumer Arbitration Rules with XXXX or XXXX and pay all fees including those of the Arbitrator which easily will be ultimately over {$25000.00} which will not be recoverable from me including your attorney fees even if you prevail which is impossible due to my Claims against you for multiple statutory FCRA willful violation plus punitive damages far exceeding your dispute Claim. Your arbitration terms of service incorporates by reference the XXXX Rules that expressly delegates arbitrability determinations to an arbitrator and the agreement clearly and unmistakably evidences the parties intent to empower an arbitrator, rather than a court or judge, to resolve questions of arbitrability. See AIRBNB V DOE, Florida Supreme Court # SC20-1167 decided XX/XX/XXXX. Therefore, once an arbitration agreement is presented to a court, the court is powerless to consider arbitrability as such has been delegated to the arbitrator. Due to your arbitration provisions, courts are powerless to act and they are automatically stayed if I move to compel arbitration. Dont waste your money with court filing fees, costs and attorney fees as you will alienate the court and waste resources only to find court actions forced into arbitration with XXXX Or XXXX That is why court actions are automatically stayed to prevent a complete waste of time as arbitration agreements must be enforced. Besides, court decisions are clear that Florida does not have a Small Claims Court, but a mixture of rules so again dont embarrass your attorneys by asking them to frivolously litigate. Nothing in the agreement permits or even discusses the possibility allowing you to file a lawsuit against me in any court. Lets arbitrate!!! File with the XXXX or XXXX and pay the huge fees. Never expect XXXX fees to be recouped. Never expect a return of attorney fees. I will automatically appeal any decision of a court, state or federal, that does not compel arbitration and provide me relief from frivolous conduct such as Federal Rule 11. If you sue me in state court, you will certainly see a motion To Compel Arbitration, staying it, PLUS a federal court Petition to compel arbitration PLUS a Demand for Arbitration by me with the XXXX requiring you to pay all fees PLUS federal claims for FCRA and FDCPA violations both in federal court and XXXX. By virtue of my election in this document and previous documents, it is indisputable that the Claim and Dispute is already with the XXXX absent a mere ministerial 2 page demand by you with your payment of XXXX fees. So court litigation is completely barred and any such filing will be considered frivolous willful conduct punishable under the FCRA and FDCPA punishable with a dismissal with prejudice of any court claim. If you are stupid and just want to harass me, you should expect years of litigation in multiple state and federal courts, including the US Court of Appeals PLUS no court would enforce any XXXX award against me due to your conduct including FCRA and FDCPA violations. In SAUNDERS v Branch Banking, 526 F.3d 142 ( 4th Cir. 2008 ), the jury awarded Saunders {$1000.00} in statutory damages and {$80000.00} in punitive damages for FCRA violations for failing to report the ongoing dispute. Using the multiple of 80 upheld, if I am awarded {$10000.00} in statutory damages I expect {$800000.00} in punitive damages applying the 80 multiple. Moreover, the Saunders jury found that the underlying debt was extinguished and uncollectible due to conduct far less than yours. This means that your Disputed Claim must be extinguished due to your FCRA violations PLUS I have huge claims for multiple ongoing statutory and punitive damages. My FCRA violations against you are DEEMED WILLFUL, providing a {$1000.00} statutory damage per violation based on on the CFPBs XX/XX/XXXX Fair Credit Reporting : Facially False Data advisory opinion of Director XXXX XXXX which stated : A violation is willful when it is inconsistent with authoritive guidance from a relevant agency. Therefore, every FCRA must be considered WILLFUL subjecting you to liability under 15 U.S.C. Section 1681n for willful noncompliance in addition to Section 1681o for negligent noncompliance. Federal courts would have federal question jurisdiction under 28 U.S.C. Section 1331 as they have jurisdiction to enforce liability under 15 U.S.C. Sections 1681p and 1692 ( k ) without regard to the amount in controversy. At a minimum, I can only settle a claim if you agree to absolute confidentiality of settlement PLUS the permanent removal of Claims from every credit reporting agency which will not disclose or imply settlement. Any written settlement must also include general releases of all parties to forever end the possibility of future litigation. While judges, mediators and arbitrators always try hard to force settlement, I am always open at any time to settle a dispute under fair terms based on developments. If you sell a claim to a debt buyer, your liability will not end but it may increase and arbitration will still be required and enforced ending up more complicated with more parties. In summary, the ball is in your court on how you wish to resolve the dispute which may be best taking the tax deduction and walking away without selling the toxic claim. I will not be the first to seek relief but, as listed above, I will aggressively counter any and all efforts to collect your disputed claim in litigation and/or arbitration. Dont waste $ XXXX in your shareholders money for XXXX arbitration fees and your attorney fees to try unsuccessfully to collect {$0.00} owed knowing that I am owed potentially huge statutory and punitive damages. In light of my cease and desist demand which continues forever as I will never withdraw it, I can not communicate with you but I invite you to make a one time permissible exception for you to WRITE me in the CFPB portal about what non-binding exact terms you may consider to resolve all claims. I hope this CFPB complaint will make my position clear about forum resolution options which exclusively require arbitration with the XXXX. If this is not enough, I am a XXXX XXXX XXXX male in poor health with a short time more to live and I am judgment proof as my entire income is from Social Security, exempt from garnishment, and I have no other income or assets and I need treatment abroad and residency abroad. Serving me abroad will not comply with the XXXX and will only result in any attempted service to be return as unserved. I hope this informs you of the situation so you do the right thing. One last thing, saving the most important for last, you run a certain risk of becoming a target for CFPB enforcement actions against violators which could amount to hundreds of millions of dollars in damages. Dont let CFPB Director XXXX XXXX follow through with his public promises to protect consumers from abusive and deceptive financial practices, focus on actors causing harm to take advantage of consumers, holding individual executives accountable, be very quick to lay the hammer down on violators, prosecute violators, name people individually and bar individuals from the industry, and often criminally refer them for prosecution. XXXX XXXX XXXX, who had been instrumental in creating the CFPB says still screwing over consumers-it appears that cheating consumers is simply in [ your ] DNA At best you were incompetent, at worst you were complicit and either way you should be fired. The American people deserve a Congress that worriesabout helping regular people who have been cheated on mortgages, on CREDIT CARDS, on student loans and on CREDIT REPORTS. Our dispute, unless quickly resolved to my satisfaction, will get the attention of XXXX XXXX and Director XXXX if I have to name the CFPB as a party in federal court to enforce its obligations. SYN is not FCRA and XXXX XXXX Compliant and obviously is incapable of complying with its obligations which are a precondition for any credit card Claims you may have. While bankruptcy filings and complex bankruptcy adversary proceedings are highly unlikely due to my Claims against you, I will have no problem in filing a voluntary XXXX XXXX XXXX to wipe out your Claims if at any time it would be in my best interest. The bottom line is only your attorneys will get rich if you try to fight me. You will get {$0.00} with unlimited potential expenses. Mitigate your losses. Abandon your claims.
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| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Synchrony Bank and XXXX continue to allow negative report on credit report despite existing case law pertaining to an FCRA violation due to existence of 1099-C. See : Civil No. XXXX,XX/XX/XXXX XXXX XXXX XXXX, Plaintiff, v. SYNCHRONY BANK, and XXXX XXXX XXXX , XXXX., Defendants.
Source : XXXX XXXX XXXXXXXX XXXX In XXXX, Synchrony Bank issued me a 1099-C because they had cancelled the amount owing on a credit account. However Synchrony Bank continued to report negatively to XXXX about the loan they had cancelled. Despite disputes to XXXX regarding this matter, the negative report remains on my credit report even though I was issued a 1099-C.
Per case law this matter was taken to federal court on the following merits by the Plaintiff whose situation matches my own : On XX/XX/XXXX, XXXX issued Plaintiff a " Cancellation of Debt '' 1099-C informational tax form. On the form, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXcause of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' Synchrony submitted the 1099-C to the Internal Revenue Service ( " IRS '' ), which generally requires the debtor to report the discharged debt as taxable income. Plaintiff alleges he paid taxes on the discharged debt.
After issuing the 1099-C to Plaintiff, Synchrony continued to report the outstanding balance to the CRAs, and thus the credit card debt remained on Plaintiff 's credit reports. On XX/XX/XXXX, Plaintiff wrote to Defendant XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) to dispute the accuracy of the outstanding balance. Plaintiff alleges that XXXX notified XXXX XXXX XXXX XXXXritten dispute. XXXX replied to Plaintiff that XXXX had verified the accuracy of the information. The outstanding balance remained on Plaintiff 's credit reports.
On XX/XX/XXXX, Plaintiff sued Synchrony for willfully or negligently violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that Synchrony canceled Plaintiff 's debt, and thus, Synchrony 's continued reporting of Plaintiff 's outstanding debt to the CRAs is inaccurate. Plaintiff further alleges that Synchrony failed to investigate his dispute in failing to review underlying account information and failing to contact Plaintiff or third parties. Plaintiff alleges Synchrony 's continued and erroneous reporting of an outstanding balance on his account harmed Plaintiff 's credit history and creditworthiness.
On XX/XX/XXXX, XXXX filed a 12 ( b ) ( 6 ) motion to dismiss because it claims the furnished information was accurate, thus precluding a violation under 15 U.S.C. 1681s-2 ( b ). ( Doc. 13, p. 7. ) Synchrony argues that issuing a 1099-C merely charges off the account and does not discharge the underlying debt. ( Id., p. 1. ) In Plaintiff 's complaint and brief opposing the motion to dismiss, Plaintiff asserts several facts to support that the debt was in fact canceled. The 1099-C form Synchrony issued Plaintiff is itself called " Cancellation of Debt. '' The identifiable event code Synchrony selected indicated it was the decision or policy of the creditor to discontinue collection and cancel the debt. After issuing the 1099-C, Synchrony subsequently discontinued efforts to collect the debt and stopped sending periodic account notices.
The parties dispute whether the court should consider Plaintiff 's opposition brief because it was filed seven days late. The court finds that the late filing did not substantively delay the case or prejudice Synchrony. Furthermore, the Third Circuit has " repeatedly stated [ its ] preference that cases be disposed of on the merits whenever practicable. '' XXXX XXXX. XXXX XXXX., XXXX XXXX.XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). Here, by analogy, the court prefers to consider Plaintiff 's arguments rather than to disregard them on procedural grounds. Moving forward, Plaintiff 's counsel must use greater care in calendaring. Plaintiff is also warned that, in the future, filing a motion with " uncontested '' in its title without including a certificate of concurrence will result in the motion being stricken. See M.D. Pa. L.R. 7.1.
The motion has been fully briefed and is thus ripe for review.
II. STANDARD OF REVIEW To survive a motion to dismiss under Rule 12 ( b ) ( 6 ), the plaintiff must allege " factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged. '' Ashcroft v. Iqbal, 556 U.S. 662, 678 ( XXXX ) ( citing Bell Atlantic Corp. v. Twombly, 550 U.S. 544 ( XXXX ) ). " When reviewing a 12 ( b ) ( 6 ) motion, we 'accept as true all well-pled factual allegations in the complaint and all reasonable inferences that can be drawn from them. ' '' XXXX XXXX XXXX by XXXX v. XXXX XXXX XXXX., XXXX. , -- - F. App'x -- --, XXXX WL 4187372, at *3 ( 3d Cir. XX/XX/XXXX) ( quoting Taksir v. Vanguard Grp., 903 F.3d 95, 96-97 ( 3d Cir. XX/XX/XXXX ) ). The facts alleged must be " construed in the light most favorable to the plaintiff. '' In re Ins. Brokerage Antitrust Litig., 618 F.3d 300, 314 ( 3d Cir. XX/XX/XXXX ) ( internal quotations, brackets, and ellipses omitted ). But " [ t ] he court is not required to draw unreasonable inferences '' from the facts. 5B Charles A. Wright & Arthur R. Miller, Federal Practice & Procedure 1357 ( 3d ed. XX/XX/XXXX ).
The Third Circuit has detailed a three-step process to determine whether a complaint meets the pleading standard. Bistrian v. Levi, 696 F.3d 352 ( 3d Cir. XX/XX/XXXX ). First, the court outlines the elements a plaintiff must plead to state a claim for relief. Id. at 365. Second, the court must " peel away those allegations that are no more than conclusions and thus not entitled to the assumption of truth. '' Id. Third, the court " look [ s ] for well-pled factual allegations, assume [ s ] their veracity, and then 'determine [ s ] whether they plausibly give rise to an entitlement to relief. ' '' Id. ( quoting Iqbal, 556 U.S. at 679 ). The last step is " a context-specific task that requires the reviewing court to draw on its judicial experience and common sense. '' Id.
III. DISCUSSION " Congress enacted the FCRA in XXXX to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. In doing so, Congress sought to preserve the consumer 's privacy in the information maintained by consumer reporting agencies. '' Gelman v. State Farm Mut. Auto. Ins. Co., 583 F.3d 187, 191 ( 3d Cir. XXXX ) ( internal quotation marks omitted ). Once notified of a dispute, a furnisher of credit information has statutory duties, inter alia, to investigate the disputed information and to correct information found to be inaccurate. 15 U.S.C. 1681s-2 ( b ) ( 1 ). To establish a violation [ u ] nder the statutory framework and clear language of the statute, therefore, a consumer must first alert the credit reporting agency that reported the allegedly erroneous information of a dispute. It is then up to the reporting agency to inform the furnisher of information that there has been a dispute, thereby triggering the furnisher 's duty to investigate. It is only when the furnisher fails to undertake a reasonable investigation following such notice that it may become liable to a private litigant under 1681s-2 ( b ).
SimmsParris v. Countrywide Fin. Corp., 652 F.3d 355, 359 ( 3d Cir. XXXX ).
Reasonableness of the investigation is determined based on a balancing of " the potential harm from inaccuracy against the burden of safeguarding against such inaccuracy. '' XXXX v. XXXX XXXX., 744 F.3d 853, 865 ( 3d Cir. XXXX ) ( internal citation omitted ). Regarding the requirement of " accurate '' information, " even if the information is technically correct, it may nonetheless be inaccurate if, through omission, it creates a materially misleading impression. '' Id. ( internal quotation marks and brackets omitted ). To survive this motion to dismiss, Plaintiff must plausibly allege " ( 1 ) that he notified a credit reporting agency of the dispute under 1681i, ( 2 ) that the credit reporting agency notified the party who furnished the information under 1681i ( a ) ( 2 ), and ( 3 ) that the party who furnished the information failed to investigate or rectify the disputed charge .... '' XXXX v. XXXX XXXX XXXX XXXX., 815 F. Supp. 2d 856, 863-64 ( E.D. Pa. XXXX ) ( internal citation and brackets omitted ).
Here, Synchrony does not argue that Plaintiff failed to plead any of the required elements. Rather, Synchrony argues that Plaintiff 's claim can not succeed unless the information was in fact inaccurate or materially misleading. See Chiang v. Verizon New England , Inc., 595 F.3d 26, 38 ( 1st Cir. XXXX ) ( holding that a plaintiff must show " actual inaccuracy '' to establish a claim against a furnisher of credit information under 15 U.S.C. 1681s-2 ( b ) ). Synchrony claims its report was accurate and that it did not cancel Plaintiff 's debt by issuing the 1099-C. Synchrony argues that issuance of the 1099-C does not, as a matter of law, discharge the underlying debt. ( Doc. 13, p. 4. ) The parties cite non-binding and conflicting case law regarding the legal import of issuing a 1099-C. Synchrony cites cases holding that the issuance and filing of a 1099-C does not legally extinguish the underlying debt. See e.g., In re Zilka, 407 B.R. 684, 689 XXXX XXXX XXXX. Pa. XXXX ) ; XXXX v. XXXX, 67 F. App'x 253, 2003 WL 21196200, at *3 ( 5th Cir. XX/XX/XXXX ) ; Fed. Deposit Ins. Corp. v. XXXX, No. 1:11-CV-72, 2012 WL 1098619, at *7 ( W.D.N.C. XX/XX/XXXX ) ; United States v. Reed, No. 3:09-CV-210, XXXX WL 3656001, at *2-3 ( E.D. Tenn. XX/XX/XXXX ) ; XXXX XXXX. XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). Still other courts found that the mere issuance of the XXXX form does not constitute a legal admission that the debt was canceled. See XXXXi v. XXXX XXXX XXXX of Pa., 135 A.3d 616, 621 ( Pa. Super. Ct. XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).
Supporting Synchrony 's position, the plain language of the applicable IRS regulation states that a creditor may be obligated to file a 1099-C even if the creditor did not in fact discharge the debt. On the form, the creditor must select an " identifiable event, '' the date of which becomes the effective date for the discharge of indebtedness for purposes of the informational report. 26 C.F.R. 1.6050P-1 ( b ). The IRS issued guidance to clarify that the IRS " does not view the 1099-C as an admission by the creditor that it has discharged the debt and can no longer pursue collection. '' I.R.S. Info. Letter, XXXX ( XXXX XXXX, XXXX ).
Courts disagree whether the issuance of a 1099-C should be considered prima facie evidence that a loan was in fact canceled. See In re XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( holding that issuance of the 1099-C should " not be considered prima facie evidence that the loan was cancelled '' ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( holding that issuance of the 1099-C after debt was written off is prima facie evidence that debt had been discharged by creditor and is sufficient to create an issue of fact ).
Other courts have held that it would be inequitable for creditors to continue to hold debtors liable for the debt, given the tax consequences of the 1099-C. See e.g., In re Crosby , 261 BR 470, 474 ( Bankr. D. Kan. XXXX ). The 1099-C issuance negatively impacts debtors because they must generally report the debt discharge as income. See Franklin Credit Mgmt. Corp. v. Nicholas, No. CV980546721S, 2001 WL 893894, *3 ( Conn. Super. Ct. XX/XX/XXXX ). This matter of equity is raised in this case where Plaintiff alleged paying taxes on the cancelled debt.
Significantly, none of the cases held that it was appropriate for a court to dismiss a consumer 's claim at the pleading stage on the basis that the 1099-C did not discharge the debt as a matter of law. In fact, after holding that the 1099-C should not be prima facie evidence the loan was canceled, the court in In re Washington stated that it must instead look to the entire record to determine if the creditor canceled the debt. In re Washington, 581 B.R. at 157. In the pleading stage of the present case, Plaintiff need not prove but merely plead plausibly that the report was in fact inaccurate and that Synchrony failed to reasonably investigate the written dispute of the report 's accuracy and to correct inaccuracies, as required under 15 U.S.C. 1681s-2 ( b ).
The XX/XX/XXXX of Kentucky in Johnson v. Branch Banking & Trust Co. arrived at a similar conclusion in denying a motion to dismiss raised by creditor bank where plaintiff consumers brought a 1681s-2 ( b ) claim. No. 3:18-CV-150, 2018 WL 4492478, *2 ( W.D. Ky. XX/XX/XXXX ). The Johnson parties argued whether the 1099-C canceled the debt, but the court found it unnecessary to adopt either opposing view of the form 's effect, since at the motion to dismiss stage, the court analyzes the plausibility of the pleadings rather than the weight of the evidence. Id. at *2-3. Even though the issuance of the 1099-C standing alone does not prove that the debt was discharged as a matter of law, the debt in fact may have been discharged.
Here, Plaintiff pleaded several facts that reasonably permit an inference that the debt was in fact discharged : the name of the issued " Cancellation of Debt '' 1099-C form, the identifiable event code selected on the form, and the creditor 's activities regarding collection efforts and periodic account notices. Whether the debt was canceled is a factual, context-specific inquiry. Thus, the fact that the 1099-C does not cancel debt as a matter of law is an improper basis for a 12 ( b ) ( 6 ) disposition. Taking the allegations in the complaint to be true and drawing all reasonable inferences in favor of the plaintiff, the court finds that Plaintiff has plausibly pleaded that Synchrony failed to reasonably investigate and rectify the disputed balance. IV. CONCLUSION Plaintiff stated an FCRA claim under 15 U.S.C. 1681s-2 ( b ) that is plausible on its face. The court therefore denies Synchrony 's motion to dismiss. An appropriate order shall follow.
s/XXXX XXXX XXXX XXXX XXXX XXXX United States District Judge Dated : XX/XX/XXXX XX/XX/XXXX
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| 09/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I would like to have an alternative way to send all of the emails that I have sent trying to get this issue settled. I copied emails that I have sent to XXXX XXXX at the end of this complaint. I tried to attach a zip folder but it was too large.
In XXXX of last year I recieved a statement from Synchrony Bank for {$9000.00}. I called to see why I had receive it. I was told that I had made a purchase from XXXX XXXX for that amount. I told them that I had not signed or finalized anything with XXXX XXXX. I had received a quote from XXXX XXXX in XX/XX/XXXX. I had to have emergency XXXX and did not purchase at that time. In XXXX XXXX, I called the XXXX XXXX on XXXX XXXX to see what I needed to do about the flooring. I had purchase flooring from XXXX XXXX years ago but they no longer made the width that I orginally purchased. The wood would need to be ordered and I would need to reapply for the credit card. I talked to the saleman about 36 month no interest and told him if I purchased that wanted to pay something done on the total and did not want to charge the entire {$9000.00}. Unbeknowning to me, my name was signed on the sales receipt. In the past I chose the product, it was delivered, and installed and then I completed the sale. I was not aware that my name was signed because I had also told the saleman if the floor could not be installed by XXXX, I would need to try and find a wood to match and see if someone could stain the XXXX of the orginal wood. I never went into the store and was waiting for the nstaller to get back with the saleman to see if it could be installed by XXXX.
I was promised that the floor could be installed by XXXX, but I still did not know that my name had be signed to the order.
I disputed the charge several times but LL Flooring kept sending them the receipt that I never signed. They informed me that I had signed the receipt and I told them that I didn't. They keep billing me and I kept calling them and XXXX XXXX about my signature.
It took XXXX XXXX until XXXX to install the floor. I signed a document when the installer finished, but it was not a signature that I was satisfied because I could not see the flooring or the tranitions. The floor was covered in blue painter 's tape and I could not see any of the repairs that needed to be done. They never came back to remove the tape. When we took it up the transition was not installed correctly. You could see the glue up under it, the molding strips were not put down securely, the installer had left marking all over my freshly pained walls, and half the molding was not chalked. There were gaps all througn the work. Glue is still all over the floor. I have made Synchrony Bank aware of all of this. I have called the customer service line, sent emails to XXXX XXXX the CEO of the bank, and also spoken with XXXX XXXX who has promised to return my call and has not. Yet they continue to bill me. I have also told them that none of the work as late as today has been completed. It has been almost a year. When they first started to send me deliquent messges, I paid them {$3900.00} leaving a {$5000.00}. balance. They are still billing me XXXX which would have been the payment for {$9000.00} for XXXX. No One is Listening to Me and what has been done to me.
There was XXXX person working in my house for 2 days and one the last day they damaged my hall flooring. I immediately sent the installer supervisor of XXXX XXXX a text and picture of the damage that his person had done to my hallway. He responded to the text but did not come to myhouse until XX/XX/XXXX. Flooring was sent to my house the first week of XX/XX/XXXX and was placed in my family room. It is still sitting there, Another installer called in late XX/XX/XXXX and wanted to come the next day to look at what need to be repaired. I was leaving town the need morning and told him I would not be available for 2 weeks. I explained to him I was leaving town. They then sent the bank a email that they were trying to get intouch with me. I had talked to XXXX and told her that I had returned the call and he did not call back. I am not alway available to immedicately talk to them but I always respond in a timely fashion. He finally came in XXXX to see what needs to be repaired. They came to finish the repairs Monday, XX/XX/XXXX. When they came I learned that a transition needed to be put in my family room and hall doorway. The hallway was never supposed to be done. It is now needing to be replaced because the installers were in a hurry to finish because the orginally told me 2 days but were here until XXXX on the third night. They were moving things back in a hurry and damaged my hallway. It had to be replaced because the smaller wood is not made anymore. From XX/XX/XXXX, the installers are finally came Monday XXXX XXXX, XXXX to make all of the orginal repairs that the installers failed to put down correctly and replace the hallway. I was informed that the hallway need an additional transition. I explained to them that I want my flooring in the familyroom doorway which is a main artery of my house to be flat and connected as before. All of these thing have caused all of the delays. I should have never been billed by Synchrony Bank after I told them that I did not sign the receipt, copied them to email to LL Flooring that allowed them to know that LL Flooring had knowledge of that and the all the repairs that need to be done but still has not been done. The CEO and the CEO Office representative have been cpied on the email. THe bank also never took the time to correct the amount do on the account and should have never reported negative credit on my credit.
Copy of EMail to XXXX XXXX : XXXX : XXXX - We have been trying to reach you about your LL FLOORING/SYNCHRONY BANK account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Synchrony Bank XXXX XXXX for {$9000.00} to buy flooring from XXXX XXXX in XXXX, TN. I have had a problem with XXXX XXXX since XX/XX/XXXX. Several years ago, Synchrony Bank financed flooring for the same company. I never had a problem with them so I decided to use them again. I am sending you an email below that I sent to XXXX??? at XXXX XXXX. I spoke with XXXX at the XXXX XXXX XXXX and was told that my floor is not made any more. He did find the same wood and stain but with a wider width. First time, I went into the store and signed for my purchase. Since my wood was not at the store. I thought that I would be told when to come in and sign the paperwork. My name was signed on the invoice and I started to get a bill. I called Synchrony Bank immediately and told them what happened and told them that nothing had been installed in my residence. I called XXXX XXXX and j=kept getting the run around. I disputed the bill at Synchrony Bank because XXXX XXXX could not give me an installation date. There were 24 boxes or hardwood in my family room for over two months. I told them I need my floor installed by XXXX. It wasn't, in fact it wasn't installed until XX/XX/XXXX. I asked them to complete everything because my mother passed XX/XX/XXXX, and this would be the first-time that we were able to get together as family. The install was to take 2 days. I told them that I needed to have only 2 days because my school would be closing that week for the XXXX Holiday and I had a lot of work to get done before leaving. I had to take an extra day because the installer did not finish. They stayed at my house two nights until XXXX and the second night until XXXX. I did not get to have XXXX at my house because the floor was not done correctly and I did not have time to get everything put back in place. My mother 's brother from California will never be able to make it this XXXX. He passed in XXXX.
The installer left blue tape all over my floor, paste all over the floor, the transitions were not installed properly and I was afraid that I would fall because I had just had hip XXXX. They scratched my hall floor. The molding was not put down correctly. had just had all my bedroom walls painted and they had footprints on the trim and wall. It was freezing cold and they left my bedroom window up and the five gallon of glue in the middle of my bedroom floor. The hardwood was not spaced properly and I was told that they weather would correct it. I have now been through the fall, winter, spring, and summer but it has not corrected itself.
I have been told by Synchrony Bank that XXXX XXXX has sent them information from me and they have closed the dispute at least three times. XXXX XXXX had a no interest for three years if you charged over {$3000.00}. At {$9000.00} the payment would be {$250.00} each month. I should have filed a fraud charge but the wood was here and I went ahead but I am really upset because I am not being done fairly. I paid the account down to {$5000.00} and Synchrony is still charging me {$250.00} each month, even when it is in dispute.
I have sent XXXX XXXX pictures of the floor and the walls, I have sent the picture of the hall to the installer and I have also asked them to get in touch with Synchrony to let them know that they have not done one thing to complete this install. As a matter of fact, I have 5 boxes of hardwood in my family room once again for almost 2 weeks. I did not hear from LL Flooring until I sent them the past due email from the bank and then I got the email below.
I have sent 2 emails to the CEO to no avail.
Please help me. I do not want this to have an negative impact on my credit. I have financed through Synchrony for several accounts and paid the on time every time and also paid them off. XXXX XXXX said I should contact you but they don't care enough or value me as a customer enough to know that they sent the fraudulent invoice over to Synchrony to be processed.
Please contact me by this email address.
Respectfully, XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : XXXX : XXXX - We have been trying to reach you about your XXXX XXXX/SYNCHRONY BANK account Hello, I continue to past due notices from XXXX Bank. I think that it is a shame that no one has reached out to them to tell them the real story of what has happened with my flooring and the conditions that I have faced.
I am on the phone with the now and have been told that someone from XXXX XXXX has send them documentation that has cause them to close the case. I am not sure when it was closed because they have sent me past due notices from the beginning. I want to know who sent information. I signed the agreement for you to repair my hall and floor. That does not mean that it has been completed or that I am satisfied with the work.
Synchrony Bank continues to bill me each month for the XXXX that would have been for a {$9000.00} balance. What happened to the money that was paid to XXXX XXXX? The bill amount should be much lower than {$250.00}. I have sent you several past due notices and you have not responded to any of them. I have also spoken to Synchrony Bank about the overage.
I will not pay for work that is not done proper or work that it has taken 9 months or more to omplete.
I have had enough. Wood has been in my family room for a week and 3 days. NO call as to when it will be complete. I will seek help with my name being signed fraudulently and m credit being damaged from the past due account because XXXX XXXX does not care. I have sent you all more than enough notices and if you valued your customers it would not take from XXXX to past XXXX to complete putting down floorings in XXXX bedrooms.
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX AM To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : XXXX : XXXX - XXXX have been trying to reach you about your LL FLOORING/SYNCHRONY BANK account From : Synchrony Bank XXXX XXXX : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX Subject : XXXX - We have been trying to reach you about your LL FLOORING/SYNCHRONY BANK account It's important that we get in touch today.
Pay your past due balance on your LL FLOORING/SYNCHRONY BANK account online or call XXXX for assistance.
Your account is now being handled by Synchrony Bank. Please contact a representative today at XXXX to discuss your payment options.
Account number ending in XXXX LOG IN AND PAY NOW Call Us Weekdays XXXX am Midnight Weekends XXXX am XXXX pm ET Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank.
If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe.
This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX.
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov.
This is an unmonitored email box. Please do not reply to this email.
We respect your privacy. Click here to read our Privacy Policy.
XXXX Synchrony Bank XXXX XXXX Synchrony Bank has not tried to get to the bottom of any of this. XXXX XXXX is not acting in a honest and transparent manner.
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| 10/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Starting with XX/XX/XXXX, Synchrony Bank opened account XXXX XXXX XXXX XXXX in my name, without my written or verbal consent, and reported it immediately to all major credit bureaus. I have never applied for this account with Synchrony Bank. I do not know or understand what type of credit account this is. Currently, Synchrony Bank reports this account to my credit file as being a " XXXX XXXX. '' I swear to XXXX and our XXXX and XXXX XXXX XXXX, I never had a charge card with account number XXXX XXXX XXXX XXXX. My credit file with all three major credit bureaus says that this account was opened on XXXX XXXX, XXXX. Well, if this account was opened 12 years ago, according to Synchrony Bank 's fraudulent reporting and misuse of the Fair Credit Reporting Act, then why wasn't this account reported to all the major credit bureaus from XXXX up until XXXX? What happened with this account for 11 years? " XXXX XXXX '' accounts, again, according to Synchrony Bank 's fraudulent and misleading claims, don't come out of nowhere, so I would like to receive a detailed written explanation from Synchrony Bank as to where this account comes from and why they created it in my name without my consent. My credit file also shows that account XXXX XXXX XXXX XXXX was closed on XXXX XXXX, XXXX. Well, I keep copies of my monthly credit reports that go several years back, proving that from XXXX until XXXX, I never had an account with Synchrony Bank.
The only credit card account that I have ever applied for with Synchrony Bank was a Lowes Credit Card account that I opened in XXXX to purchase a small tractor and paid off since then. Because of how Synchrony Bank has treated me, I will close the Lowes account as soon as I get a chance.
Starting with XXXX, I contacted Synchrony Bank multiple times and requested that account XXXX XXXX XXXX XXXX be immediately removed from my credit file with all major credit bureaus. I also asked for proof that I applied for the " XXXX XXXX '' account XXXX XXXX XXXX XXXX and a copy of my credit application with Synchrony Bank. Unfortunately, Synchrony Bank failed miserably at providing any proof and entirely and utterly refused to work with me. The only thing that Synchrony Bank sent me was a letter stating that I opened account XXXX XXXX XXXX XXXX with them in XXXX, but they do not have a copy of my original application or any proof that I applied for credit with their bank back in XXXX. I attached a copy of that document to this complaint. Then Synchrony Bank proceeded to change account number XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and, laughably so, they also changed the closing date from XXXX XXXX, XXXX to XXXX XXXX, XXXX. They reported these changes to my credit file with all major credit bureaus, further legitimizing their misuse of the Fair Credit Reporting Act. In other words, Synchrony Bank is reporting false information about my finances to all major credit bureaus, and that is not only immoral but also highly illegal. I want to remind Synchrony Bank that I keep monthly credit reports that go several years back. As such, I kindly ask Synchrony Bank to stop the shenanigans and playing with my credit file because they are inflicting massive damage to my financial life. I have been passed on as a customer by several financial institutions because of this account that Synchrony Bank is fraudulently reporting to my credit file by misusing the Fair Credit Reporting Act. I am sure that I am not the only person being abused in this manner by Synchrony Bank, as the sole purpose of reporting an account for which I have not signed up for is for Synchrony Bank to extort money out of people.
I kindly ask Synchrony Bank to stop lying about this account and provide accurate and factual information. Since the beginning of XXXX, I have contacted and attempted to resolve this account multiple times with Synchrony Bank. It is not a matter of me trying to avoid paying a debt. If a debt is owed to Synchrony Bank, I will be more than happy to pay it. However, I need first to see proof that such a debt is owed. I need categorically need this account removed from my credit file with all major credit bureaus. By reporting it, Synchrony Bank is acting in bad faith and assuming the role of a collection agency, and breaking several state and federal laws, for which I fully intend to make them accountable.
The resolution that I am seeking with Synchrony Bank is two-fold. First, I demand that Synchrony Bank immediately remove account XXXX XXXX XXXX XXXX from my credit file with all major credit bureaus. Please stop changing the account number, closing date, or any other shenanigans. Account XXXX XXXX XXXX XXXX has no business to show up on my credit file with the major credit reporting XXXX XXXX and Synchrony Bank knows this. They are just intentionally breaking the law. Secondly, I demand that Synchrony Bank provides substantial evidence that overwhelmingly proves that I owe them money. At this point, and considering how Synchrony Bank has conducted itself in my case and treated me as a person and customer, I categorically do not assume any liability for the debt on account XXXX XXXX XXXX XXXX. That does not mean that I am trying to run away and not pay Synchrony Bank if a debt is owed to them. However, they first need to provide proof.
Below is a list of the actions that I need Synchrony Bank to take to make things right, along with the proof required to establish that I owe them money : 1 ) Immediately remove account XXXX XXXX XXXX XXXX from my credit file reported to all major credit bureaus. I have disputed this account multiple times. However, Synchrony Bank keeps lying to the credit bureaus, telling them that this is my account. I hold the credit bureaus just as responsible as Synchrony Bank because they failed to conduct a thorough investigation into the accuracy of the information provided by Synchrony Bank. Please understand that I am not trying to avoid paying a debt if one is legitimately owed. However, this account has no business being reported on my credit file with the major credit bureaus. As I said before, if it can be established that I owe a debt, I will pay it. I understand that if I owe a debt and don't pay it, then that debt can be sent to a collection agency, and if I continue to refuse to pay it, then that collection agency can report a collection account to my credit file. That is the correct way to handle debt, and that is how Synchrony Bank should proceed with this account if I genuinely owe them money and not report it to the credit bureaus as a credit card account for which, and I can't stress this enough, I have never applied for with their bank.
2 ) I demand a copy of the original credit application from XXXX XXXX, XXXX, when Synchrony Bank claims that I opened this account. I insist that the institution 's name that I applied for credit is shown on the said application and the account number. As I mentioned before, I have monthly credit reports that go several years back, and from XXXX until XXXX, I did not have a single credit account with Synchrony Bank. In XXXX I opened a Lowes Credit Card account. So I kindly ask Synchrony Bank to be truthful in their statements and abstain from lying. I also demand a written explanation that shows the financial institution 's name that I allegedly applied for credit with, along with the original account number and the type of financial institution that it was. It is of the utmost importance to establish if the financial institution that I allegedly applied for credit with back in XXXX was a bank or any other financial institution type, like a payment processor or a different kind of financial company? That is because the Fair Credit Reporting Act only allows properly established banking institutions to report activity to a person 's credit file reported to all major credit bureaus.
3 ) I need printed and digital copies ( in PDF format sent to my email address ) of my monthly statements ranging from XXXX XXXX, XXXX, up until XXXX XXXX, XXXX. According to the allegations made by Synchrony Bank, I opened account XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX, and closed it, at my request, on XXXX XXXX, XXXX. Because of that, I need copies of almost eight years ' worth of statements. And since we're well past the information age and now live in the digital age, I find it hard to believe that Synchrony Bank would have any issue coming up with those statements. I also kindly ask Synchrony Bank to refrain from trying to " doctor '' or otherwise modify the original account statements if they truly exist.
4 ) I also need printed and digital copies ( in PDF format sent to my email address ) of my monthly statements ranging from XXXX XXXX, XXXX, up until XXXX XXXX, XXXX. Synchrony Bank changed the closing date of account XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX, after I complained to them several times to legitimize the fraudulent reporting that they did to my credit file with the major credit bureaus. When Synchrony Bank did this, they also changed the account number from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, thereby hiding their tracks further and making the account history even more convoluted. As such, I need another XXXX years of worth of statements, and I kindly ask Synchrony Bank to abstain from trying to " doctor '' or otherwise falsify these documents.
5 ) I need a truthfully written explanation detailing how Synchrony Bank came up with account XXXX XXXX XXXX XXXX that they renamed XXXX XXXX XXXX XXXX. Did Synchrony Bank fraudulently create this account in my name without my written or verbal consent, or did Synchrony Bank purchase or otherwise acquire this account from another company or financial institution without my knowledge? I want a written explanation about how this account came to exist and why it is illegally reported to my credit file with the major credit bureaus.
6 ) I want a written explanation as to why account XXXX XXXX XXXX XXXX was renamed to XXXX XXXX XXXX XXXX, and the closing date was changed from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Once again, Synchrony Bank is playing fast and loose with my credit file, reporting whatever they want, and that is highly illegal.
7 ) Synchrony Bank claims that account XXXX XXXX XXXX XXXX ( later renamed to XXXX XXXX XXXX XXXX ) was opened in XXXX. I do have a written document where Synchrony Bank claims this. Then why hasn't account XXXX XXXX XXXX XXXX ( later renamed to XXXX XXXX XXXX XXXX XXXX been reported to my credit file with the major credit bureaus for 11 years, that is, from XXXX up until XXXX? Because according to the Fair Credit Reporting Act, a bank has to report accurate and factual information to a person 's credit file with the major credit bureaus. So, where are 11 years of credit reporting for account XXXX XXXX XXXX XXXX ( later renamed to XXXX XXXX XXXX XXXX )? Please provide a written explanation along with 11 years worth of monthly statement copies for account XXXX XXXX XXXX XXXX ( later renamed to XXXX XXXX XXXX XXXX ), along with your written explanation.
The information above that is needed to establish that I indeed owe Synchrony Bank a debt. However, because I can not trust that Synchrony Bank is, and will be, truthful and honest in their statements and documents that they may provide, I also need the following information : 1 ) The list of states and jurisdictions where Synchrony Bank is incorporated, along with the bank 's exact name. Is it Synchrony Bank or Synchrony Financial? The state or jurisdiction presides over Synchrony Bank and where all legal disputes are resolved. I need this information to contact the proper Attorney General 's offices and the appropriate authorities.
2 ) I need the address and contact information of Synchrony Bank 's legal department.
3 ) I also need the address, email address, and contact information for Synchrony Bank CEO XXXX XXXX XXXX. My legal representative and I wish to contact her directly to discuss the illegal activity that Synchrony Bank has conducted on my behalf without my written or verbal consent.
In closing, I believe that my request for 11 years worth of monthly financial statements, along with the other documents that I have requested, is more than reasonable to establish that I owe Synchrony Bank a debt. My other request for Synchrony Bank is to remove account XXXX XXXX XXXX XXXX immediately and forever from my credit file with the major credit bureaus. I wish to resolve this account with Synchrony Bank as soon as possible. I have no desire to escalate this issue by taking further legal action and involving the law unless Synchrony Bank decides to force me to do so. It is up to Synchrony Bank if they wish to resolve this problem in a civilized manner and undo my credit file 's trashing. Or if they want me to start contacting the Attorney General 's Office of various states along with the Justice Department so that they can take a closer look at what Synchrony Bank is doing. I wish for a speedy resolution, so I leave it to Synchrony Bank to decide how deep they want to get into trouble. Thank you.
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| 07/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The FCRA provides remedies for consumers who are injured due to privacy violations. I feel I have been a victim of unauthorized disclosure of information about my credit, and would like to evaluate remedies I can pursue that restore the balance of my privacy which has been violated, and those which allow me to be protected as a citizen and consumerrequiring that consumer bureaus/CRAs and creditors maintain the highest standard of the law.
Im writing this letter to file an official complaint against XXXX and XXXX XXXX XXXX for behaving in ways that I feel constitute multiple violations of the FCRA reporting act. The actions taken by the vendors in question continue to cause me tremendous emotional and XXXX XXXX, to their negligence, flippancy, and disregard for upholding the law and accurately showcasing my creditworthiness. I am in touch with an attorney to evaluate legal action.
Common violations of the FCRA that are noted here : Old information furnished as new information. Failure to update reports after remitting payments due for all creditors is just one example. CRAs might also report old debts as new and report a financial account as active when it was closed by the consumer. Currently, XXXX XXXX XXXX knowingly pulls a credit report ( ie : XX/XX/XXXX ) and makes evaluations of credit worthiness at a later date, using the outdated information, as though it is current ( ie : reporting credit worthiness for XX/XX/XXXX, as though the information was obtained in the month of the adverse action surrounding credit worthiness ) Withholding Notices I must be given notice on the reporting, handling and use of your credit information. The creditor in question refuses to furnish copies of the alleged reports obtained from CRA ( XXXX ) sufficiently demonstrating the accuracy of the status change.
Creditor failing to notify me when it supplies negative credit information or uses negative credit information to adversely act against my account. A user of credit information ( prospective employer or lender ) failing to notify me of a negative decision based upon my credit report. Or that user of credit information refusing to identify the source of credit information it obtained about me. Creditor refuses to tell me the reporting methodology, practice, or information used to take action against my account standing.
Any violation of the FCRA that harms a consumer can entitle the consumer to a remedy. Common examples of FCRA credit report violations that trigger lawsuits include : Failing to update credit reports to reflect changed circumstances ( such as listing an outstanding debt that was paid or discharged in bankruptcy ).
Reporting inaccurate information ( such as designating payments as late when they were paid on time, misstating balances due, listing me as the debtor on an account when you were only an authorized user, or attributing debt to me after being notified that you were the victim of identity theft ).
Failing to investigate disputes or to correct my report within 30 days after receiving notice of your dispute.
XXXX XXXX XXXX & XXXX : Failure to fairly report proper account standing as per FCRA ; bureau furnishing and reporting old Information and creditor taking adverse action on creditworthiness based on old information ( eg. ; adverse actions in XXXX taking place from a report 30-60+ old ) XXXX XXXX XXXX & XXXX : Failure to report credit account modifications ( credit expansion or restriction ) despite fraud alert on XXXX report : # HK # IFCRA ( XXXX ) XXXX ; added because consumer was a victim of true name fraud as of XX/XX/XXXX.
XXXX XXXX XXXX & XXXX : Improper or misuse of credit reporting information XXXX furnishing bespoke reports and consumer information to XXXX XXXX ( selectively reporting false and slanderous credit statements only to XXXX XXXX XXXXother creditors do not have receipt of such statements and judgements as those referenced by the creditor ) - Failure to comply with 614. Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ] ; XXXX failure to comply with 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] supplying bespoke credit information to intentionally allow XXXX XXXX and XXXX XXXX to tarnish my credit worthiness as indicated below ANNOTATION : Information reported to creditor is different from both consumer report and consumer credit disclosureinconsistent credit reporting practices in favor of creditor.
XXXX XXXX XXXX- Failure to comply with 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] creditor refused allow consumer to obtain, under section 612 [ 1681j ], a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph ( 3 ), which notice shall include an indication of the 60-day period under that section for obtaining such a copy ; creditor has denied the request of the specific report used to make their determination XXXX XXXX XXXX Failure to give a notice to new customers whose score is below the cut-off, Rule 640.3 ( b ) ( 1 ) ( i ), nothing that creditors must recalculate the cut-off number every two years. Rule 640.3 ( b ) ( 1 ) ( iii ) ( C ) If you use more than one credit score to make credit decisions for example, by choosing the low, median, high, most recent, or by calculating the average score you must use the same method to make the calculation. If you dont always use the same method, use one of the methods that you regularly use. Creditor refused to disclose which ruling is being applied to restrict previously granted credit balances.
CREDIT PROFILE AS REPORTED BY XXXX : XX/XX/XXXX On-time payments : 99 % Oldest Creditline : 14 years Credit Used : 22 % Recent Inquiries : 1 in past 2 years New Accounts : 2 within past 2 years Available Credit : {$6100.00} GOOD : 18 % Income used to pay your debt, 82 % Income used for other purpose POSITIVE ACCOUNT FACTORS AS REPORTED BY XXXX : XX/XX/XXXX 1. Total of all balances on bankcard or revolving accounts is not too high.
2. Few or no installment accounts with delinquent or derogatory payment status.
3. You have few or no accounts that were opened recently.
4. Date your oldest bankcard or revolving account opened is not too recent.
NEGATIVE ACCOUNT FACTORS AS REPORTED BY XXXX : XX/XX/XXXX 1. The date that you opened your oldest account is too recent.
2. Lack of sufficient credit history.
3. Lack of sufficient relevant real estate account information.
4. The balances on your accounts are too high compared to loan amounts ( ANNOTATION : in conflict with statement 4 in Positive Account Factors ) CREDIT PROFILE [ ALLEGEDLY ] AS REPORTED BY XXXX TO XXXX XXXX XXXX : XX/XX/XXXX Allegedly, this information was furnished electronically from the XXXX credit bureau ( ANNOTATION : none of the other creditors have any reference of such a report, nor does XXXX validate these claims. Creditor refuses to produce documentation from credit bureau sufficiently demonstrating the following information ).
As per XXXX XXXX, 2 actions were taken against my accountone on XX/XX/XXXX, and one on XX/XX/XXXX. Both actions taken against my account were using credit data that was 30-60 days old at the time the action was takencreditor did not request update records form the bureau prior to their determination, and bureau has no record of a request made.
1. As per call on XX/XX/XXXX with XXXX, XXXX of XXXX XXXX XXXX , credit restrictions were taken due to decrease in credit score on my account, despite fraud alert being placed on major credit bureaus on XX/XX/XXXX.
2. As per call on XX/XX/XXXX with XXXX and XXXX, XXXX XXXX of XXXX XXXX XXXX, creditor is unable to provide any details on reporting practice, or credit file number used to make adverse actions as indicated belowthis is our internal process and procedure 3. As per call on XX/XX/XXXX with XXXX, XXXX of XXXX XXXX XXXX ; creditor does a quarterly review of all accounts, and consumer bureau ( XXXX ) will only report to them my consumer file once a monthwe cant control what XXXX tells ussuggesting that XXXX is reporting a consumer file to XXXX XXXX XXXX that is distinctly different from what is reported to other lenders ( XXXX XXXXXXXX, XXXX, XXXX, XXXX ).
ADVERSE ACTION TAKEN BY XXXX XXXX XXXX : XX/XX/XXXX 1. Creditor, XXXX XXXX XXXX allegedly received an unsolicited report from XXXX on XX/XX/XXXX citing the reasons below. ( ANNOTATION : Please note that no other creditors have record of this alleged annotation from XXXX ) 2. On XX/XX/XXXX, creditor made an adverse credit limit adjustment based on 60 day old credit reporting datanot current data for month in which the action was taken against the account ( XXXX ).
3. Reported credit score XXXX at the time of action taken was XXXX 4. Consumer agency failed to report disputed Information Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) Cited Reasons for ActionPLEASE NOTE CONSUMER ANNOTATIONS : Number of accounts with delinquency ( ANNOTATION : Number of delinquents accounts has not changed since account first opened ), no delinquency since XX/XX/XXXX, nearly 3 years prior to opening the synchrony was opened, consumer was granted a balance of {$1500.00} ) ; creditor can not explain this and consumer bureau has no reference of it Proportion of balances and credit limits on bank/national revolving or other ( ANNOTATION : Credit utilization from XXXX ( 43 % ) to XXXX ( 38 % ) Revolving accounts is too high ( ANNOTATION : Credit consumed decreased from XXXX ( {$3700.00} ) to XXXX ( {$3000.00} ) ) Length of time revolving accounts have been established ( ANNOTATION : Length of time of revolving accounts has remained consistent since opening of Synchrony account XXXX XXXX, no change ) Proportion of loan balances to loan amounts ( ANNOTATION : Loan balances has decreased across loans with XXXX and Auto loans from XXXX XXXX ( {$45000.00} ) to XXXX XXXX ( {$43000.00} ) 3.6 % decrease since start of Synchrony account ) ADVERSE ACTION TAKEN BY XXXX XXXX XXXX : XX/XX/XXXX 1. Creditor, XXXX XXXX XXXX allegedly received an unsolicited report from XXXX on XX/XX/XXXX citing the reasons below. ( ANNOTATION : Please note that no other creditors have record of this alleged annotation from XXXX ) 2. On XX/XX/XXXX, creditor made an adverse credit limit adjustment based on 60 day old credit reporting datanot current data for month in which the action was taken against the account ( XXXX ).
3. Creditor has accused XXXX of only providing quarterly reports, and will not furnish current, relevant data ( REFERENCE : consumer spoke to creditor and XXXX Representatives on XX/XX/XXXX and XX/XX/XXXX ) 4. Reported Credit score at time of action was XXXX pt increase from the prior month.
Cited Reasons for Adverse ActionPLEASE NOTE CONSUMER ANNOTATIONS : Number of accounts with delinquency ( ANNOTATION : Number of delinquent accounts has not changed since account first opened ), no delinquency since XX/XX/XXXX, nearly 3 years prior to opening the synchrony account, and granted balance of {$1500.00} ) Proportion of balances and credit limits on bank/national revolving or other ( ANNOTATION : Credit utilization from XXXX ( 35 % ) to XXXX ( 18 % ) ) Revolving accounts is too high ( ANNOTATION : Credit consumed decreased from XXXX ( {$2400.00} ) to XXXX ( {$1700.00} ). Overall delta from start of the account to XXXX is a revolving account DECREASE 53.28 % Length of time revolving accounts have been established ( ANNOTATION : Length of time of revolving accounts has remained consistent since opening of Synchrony account XXXX XXXX, no change ) Proportion of loan balances to loan amounts ( ANNOTATION : Loan balances has decreased across loans with XXXX and Auto loans from XXXX XXXX ( {$45000.00} ) to XXXX XXXX ( {$43000.00} ) 3.6 % decrease since start of Synchrony account ) Credit reporting agencies can not supply your credit report to anyone who does not have a legitimate need for it, including creditors, landlords, and employers. A potential or current employer can not obtain my credit report unless I consent to its disclosure. In most cases, that consent must be given in writing.
In some cases there could have been a data breach that caused my information to be stolen. Data brokers regularly violate the FCRA by providing consumer reports to employers and landlords without verifying that the person or business making the request is entitled to receive the report.
In summary, the most egregious violation by XXXX XXXX and XXXX XXXX, is using outdated credit report data to make real-time, live decisions about creditworthiness. XXXX is complicit in this, by providing to the creditor [ ALLEGEDLY ] only quarterly based reports, which are bespoke, tailored to the creditor, and negative reflecting creditworthinessdepicting one view of creditworthiness to the consumer, and another to the creditor.
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| 04/15/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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On XX/XX/XXXX I received a letter from Synchrony Bank dated XX/XX/XXXX informing me that they intend to recharge my PayPal Credit account in the amount of {$150.00} to correct an " extra credit '' that they added to my account on XXXX XXXX, XXXX. See the attached letter that Synchrony sent as well as my letter to them disputing the recharging {$150.00} to my account. I called PayPal Credit over five times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) and informed them that they had added a PROVISIONAL CREDIT in the amount of {$150.00} to my PayPal Credit account that should not be there. A credit of {$150.00} was REFUNDED to my account by XXXX on XXXX XXXX, XXXX. The employee who took my PayPal Credit dispute regarding the XXXX transaction put the PROVISIONAL credit onto my account. I discovered the credit on XX/XX/XXXX and immediately notified PayPal that it was there and asked them to remove it. From XX/XX/XXXX through XX/XX/XXXX I called and spoke to FIVE different managers and customer service representatives at PayPal Credit BEGGING them to take the PROVISIONAL credit off of my account. They admitted that the employee who had opened my complaint against XXXX put the credit there in error and only she could remove it. Between XX/XX/XXXX and XX/XX/XXXX I was told that no one could remove the credit except for the employee who placed it there and that she had been notified to remove the credit and it would fall off soon. It never did. On XX/XX/XXXX at XXXX XXXX ET I called and asked for a manager AGAIN because the PROVISIONAL credit was still on my account. I got XXXX on the phone. XXXX told me she needed to go next door and speak to someone who knew more about this issue that she did. When she came back to the phone she told me that the person she spoke to who had been there longer than she had ( she's been there 11 years ) told her that the credit would never come off the account because the way the PayPal employee who put the credit on the account did it NO ONE could remove it and the only way it would disappear was when PayPal decided to finally take it off and put it into a slush account of theirs. She told me I SHOULD SPEND THE CREDIT BECAUSE SHE HAD NEVER SEEN ANYONE TRY SO HARD TO GIVE MONEY BACK AND I DESERVED IT AND TO GET IT OFF SO THE ACCOUNT SO THAT I COULD USE MY ACCOUNT AGAIN without it being mixed back into my balance which I told her I did not want. I have contacted the XXXX and PayPal 's corporate offices. They refuse to call back. They are attempting to pretend they don't know that the {$150.00} credit that THEIR EMPLOYEE XXXX told me to spend. I was told by their employee to spend the credit because I deserved it and to get it off my account. So, I did what I was told by their employee after calling for XXXX to XXXX and staying on the phone for hours begging them to take that credit off. Now here it is XXXX in the middle of the Coronavirus financial meltdown where I'm having a hard time making ends meet? Your employees REFUSED to remove that credit claiming they didn't know how and your manager told me to spend it. So, PayPal needs to eat this {$150.00} as your company told me to spend the money. You don't get to come back now and act as though you don't know what happened or why. I sent PayPal credit a dispute to their letter as soon as I received it and have never received a response via mail. They keep sending me emails asking me for " more information. '' I filed a XXXX complaint and sent them the same dispute letter I sent to the XXXX. I called XX/XX/XXXX and asked to speak to XXXX the manager who told me to spend that money. She refused to come to the phone. I was told she would be emailed to call me back and would do so within 48 hours. XXXX has never called and she never will. This company created this issue, told me to spend the money and need to take responsibility for their actions instead of trying to blame it on me when I told you to take the credit OFF MY ACCOUNT for over 3 months! I have contacted their corporate office and they also refuse to call back. I want a copy of that phone call between XXXX and myself pulled and emailed to me. The call took place on XX/XX/XXXX at XXXX XXXX. I'm sure the call will be " missing '' but I'm requesting a copy of it to further pursue this if they refuse to remove this credit. You will not tell me to spend money and then try to reclaim it after the fact putting me in a financial hardship. I've also attached a copy of my dispute to them as well as the letter they sent me. Again, they know that the {$150.00} was a provisional credit and they know that their manager told me to spend it over a recorded phone line. I did nothing wrong. I did what they told me to do after informing them for over 3 months the credit was on my account.
I am in receipt of your letter dated XX/XX/XXXX and am writing to dispute PayPal adding {$150.00} to my PayPal account.
On XXXX XXXX, XXXX I ordered a service from a seller on the XXXX marketplace in the amount of XXXX. I used my PayPal account to pay for the order. The order was over {$99.00} and was charged to my PayPal account as a 6-month deferred payment purchase. The order was not ever charged to any credit card or merchant other than PayPal credit nor have I ever attempted to dispute the charge through any credit card company or other financial entity.
On XXXX XXXX, XXXX the service I order was delivered but substantially not as described. I tried to work the issue out with the XXXX marketplace seller who fulfilled the order. Per her request I allowed the seller to redo the order. She basically redelivered the same thing as before with nothing changed. At that point I advised the seller that I was requesting a refund based on the money back guarantee she advertised in her XXXX ad. The seller disappeared and stopped communicating with me.
On XXXX XXXX I contacted XXXX customer support and made them aware of the issue and that the seller was no longer responding to my request for a refund. After not receiving help from XXXX, as a last resort, I called in and opened a PayPal Credit dispute over the phone on XX/XX/XXXX. I went back later that day to check the complaint online in my PayPal portal and the complaint was not there. I called back into PayPal support to ask why my complaint did not show up in my online portal. I was told it would take 24-48 hours for the complaint to show online because the information had to go to another department. On XXXX XXXX, XXXX XXXX customer support issued a refund of {$150.00} on that date directly back to PayPal. I logged into PayPal and saw the credit from XXXX.
However, I also saw a second credit noted on my account from PayPal in the amount of {$150.00}. I tried to close the dispute online but there was nothing there to close as there normally is with a PayPal dispute. I called PayPal customer service. The man I spoke to said I couldnt close a complaint online because I didnt open it online. He also told me that I only had one credit on the account. I told him that was not correct. There was the {$150.00} credit from XXXX and then there was also a {$150.00} credit applied by PayPal themselves for some reason. I told him the PayPal issued credit needed to be removed. He finally saw the second credit and said it should fall off in a couple of days on its own. It never did.
I knew I wanted to use my PayPal credit account for an upcoming large purchase and wanted the credit of {$150.00} that PayPal themselves had placed on the account removed so that it did not interfere with any future charges I would make and cause problems by having the PayPal credit added into my account balances. I wanted a clean record.
Between XX/XX/XXXX and XX/XX/XXXX, I called PayPal weekly and sometimes several times a week asking them to remove the {$150.00}, they had placed on my account as a credit. Their system kept telling me every time I called that they would automatically mail me a check in the amount of {$150.00} in 45 days for the credit on my account. I did not want that to happen and wanted to use my account for something else so I really wanted them to take the {$150.00} off of my account. I placed at least 6 calls to PayPal between XX/XX/XXXX and XX/XX/XXXX asking them to remove that credit.
Each time I called I would escalate to a manager and was told that only the person who opened the dispute could remove the credit. In addition, I was told that my complaint was closed on the same day I opened it so the person who opened the complaint should have removed that credit on that day also which was XX/XX/XXXX. I was told by a manager, XXXX, that she was going to email that person who opened the dispute and have her remove the credit as only she could. No one else could take the credit off the account the way the system was set up. She came back to the line and told me that the credit would come off in 24-48 hours. It did not.
The next time I called in I was told that the credit was still on the account because XXXX, the merchant, was not requesting the money back. I informed them that XXXX had refunded me the {$150.00} and that PayPal was the one who put the extra {$150.00} credit on the account. I asked why the money could not be transferred to them and taken off my account as I already had my {$150.00} refunded back to me on XXXX XXXX, XXXX. I was told that the merchant had to request the money even though PayPal was the one who put it there to begin with and not XXXX I called back a few days later and got a male representative who apologized for the number of times I had to call about this and said that it should be off the account by XX/XX/XXXX. He said it would most likely be removed from the account a lot sooner but give it that long. Seven days later and the {$150.00} credit was still on the account.
On XX/XX/XXXX I called in at XXXX XXXX. XXXX and asked for a manager to have the credit removed. I was transferred to XXXX. XXXX said she needed to " go next door '' and speak to a person in their back office who would know for sure why that credit was not being removed and how to get it removed. XXXX came back to the phone and told me that the person in the back department who has worked there longer than she has and she's been there for 11 years told her the money can not go back onto the account because the case was closed. She said since the case was closed XXXX could not request the money that PayPal put on the account.
I advised her XXXX had already issued me a refund way back on XXXX XXXX, XXXX in the full amount of {$150.00} so there is no credit due to me at all. She said she understood but because the case was closed even if XXXX tried, which they hadnt, they couldnt request the money back. She said the person in the back office told her that when this happens the money eventually is transferred into some sort of unclaimed funds Paypal account. I explained to XXXX, again, that I did not want that {$150.00} credit mixed into my PayPal balance and that I had been waiting for months to make a purchase using my PayPal account that I was not able to make because this credit was in the way and I really needed the credit removed.
XXXX said she understood and that she had never seen anyone try to give money back as hard as I had tried. She thanked me for my honesty and told me to spend the credit and buy myself something nice for all the trouble and effort I made in trying to get the credit taken off the account and for being honest. She said that PayPal would eventually remove the credit at some point and put it into some sort of fund. I told her that Ive never heard of a company telling someone to keep a credit that didnt belong to them. She reiterated that I should spend the credit to get it off the account because it was going to sit there until PayPal decided to move it into an unclaimed funds account because no one there could remove the credit.
Per your manager XXXX instructions, I used the credit to get it off of my account. Prior to that I diligently called PayPal for over three months practically begging you to remove that credit from my account. You refused to do so and ultimately instructed me to clear the credit by using the credit. I did nothing wrong but am now being penalized for obeying the directives of your manager. My household is on a tight budget which is even tighter now because of the Coronavirus impact on my household income. Your attempt to charge me for your own mistake is putting financial strain onto me and my family and cause me financial hardship when I can not afford it. This is not my fault. I did the right thing and should not be put into a financial strain for doing what the managers at your company told me to do.
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| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1979 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
SYNCB/XXXX XXXX XXXX XXXX XXXX, FL XXXX.
( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 05/08/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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XX/XX/XXXX, around XXXX EST.time. I had authorized a onetime debit card payment of {$70.00} which was debited and posted to my XXXX XXXX XXXX, Synchrony Bank account and on XX/XX/XXXX at XXXX another unauthorize duplicate transaction for {$70.00} was debited and posted to my XXXX XXXX XXXX Synchrony Bank account on XX/XX/XXXX both transactions were paying towards my open and active XXXX XXXX XXXX Synchrony Bank credit card.
Each transaction took place from my Personal checking approximately 2 minutes apart. As a result, these multiple debited transaction of total of two times caused a negative impact on my checking account since I had other authorized payment transactions pending for my other bills after receiving notifications come in via text that same evening from my bank indicating a duplicate debit.
I immediately contacted Synchrony bank at XXXX notifying and requesting they reverse one of the two payments back to my debit card the representative indicated they see the duplicate transactions and could not explain why these duplicate transactions happened and they have been having some technical issues. They promised to reverse the payment back and told me it will take 3 to 5 business days.
The Following Business day I called to if see the process of the reversal was completed and one representative said it can not be reversed after making multiple contacts with Synchrony Bank requesting, they reverse the one payment since my account is active current and good status. I explained according to the FACT Act ( Fair Accurate Credit Transactions Act ) act under the FTC they can not under the consumer credit laws withdraw more than one transaction towards any credit account without the consumers authorized permission. I asked to speak to a supervisor at Synchrony bank and explained to their representatives had originally agreed it would be reversed she also refused so I informed her I will be contacting my bank for the one reversal if not resolved immediately.
The following week after speaking with another representative from Synchrony bank XXXX discussing updating my XXXX XXXX XXXX XXXX XXXX which is separate from my Synchrony line of credit. I explained to him the transaction issue and that on XX/XX/XXXX, I had contacted my bank to file a dispute for the duplicate transaction requesting my bank to reverse one payment. After the Synchrony Bank Representative heard my issue the issue, he agreed that he is willing to post the 2nd payment that was unauthorized to next month regular credit card payment as an apology and to help avoid the inconvenience I had encountered them ( Synchrony Bank ). I told him I would then contact my Bank and resend the one bank reversal I submitted if they are willing to honor this process.
On XX/XX/XXXX I contacted my bank and rescinded the dispute transaction with my bank as agreed with the representative and my bank reversed it the same day. However, after waiting for 5 more days by XXXX the XXXX XXXX for them to honor the matter with a notice via email I received not contact at that time. Later XXXX around the XXXX I received a call from Synchrony bank representative indicating my account was past due I explained to them that the duplicate payment I had originally disputed and was rescinded to pay them on the XXXX of XXXX should have already posted to their account the representative claims she had no idea of the matter and she transferred me to customer service. After explaining the matter to customer service what transpired the representative claimed the payment was never rescinded. I contacted my bank they verified the payment was rescinded on the exact same date I contacted them to cancel the dispute on XX/XX/XXXX.
My bank sent me a letter from their Escalation validating the reversal of the duplicated dispute for {$70.00} was rescinded and posted to Synchrony Bank giving a total of {$140.00}. Early month of XXXX I only received a letter by mail indicating : They had closed my account XXXX XXXX XXXX Credit Account and additional fees has been assessed because of my original request to my bank to one reversed unauthorized transaction is not acceptable according to their policy it is considered a stop payment.
On XX/XX/XXXX at XXXX XXXX. I Spoke with XXXX XXXX Synchrony Bank in regards to resolving account he said he is sending the complaint form requesting a call back from the Supervisor Dept. While on the Call he read all specific details regarding the matter and said he is creating a Dispute case # I explained my XXXX XXXX XXXX account should not have been closed which was in good standings after they had wrongfully debited from my account more then one transaction. I told them I was willing to only pay the amount of the account I owed for {$360.00} nothing more nothing less before the closed the account and added more fees to the account Since my bank did verify that the Dispute was cancelled which they rescinded the payment of {$70.00} bank to Synchrony based on prior the agreement with the Synchrony Bank representative to post the 2nd duplicate payment towards the next months bill.
I explained to I refused to pay since I was current with the account payments and they charged me for their closing of my account. Last year around Spring or Summer XXXX I received a call from an Collections Attorney I explained to her the situation in details of Synchrony Bank Violation of FACT ( Fair and Accurate Credit Transaction Act along with OCC ( Office of Comptroller of Currency ) violation with them being a bank that is a clear violation. She agreed and told me that she will send the account back to the client Synchrony bank because that was a clear violation under FDCPA Compliance. I had made numerous attempts with synchrony bank to allow me to only pay what I owed they refused to accept what I owed and continued to add additional fees after closing the account. On XXXX Now they sent my account to a Collections Agency XX/XX/XXXX, around XXXX EST.time. I had authorized a onetime debit card payment of {$70.00} which was debited and posted to my XXXX XXXX XXXX, Synchrony Bank account and on XX/XX/XXXX at XXXX another unauthorize duplicate transaction for {$70.00} was debited and posted to my XXXX XXXX XXXX Synchrony Bank account on XX/XX/XXXX both transactions were paying towards my open and active XXXX XXXX XXXX Synchrony Bank credit card. Each transaction took place from my Personal checking approximately 2 minutes apart. As a result, these multiple debited transaction of total of two times caused a negative impact on my checking account since I had other authorized payment transactions pending for my other bills after receiving notifications come in via text that same evening from my bank indicating a duplicate debit. I immediately contacted Synchrony bank at XXXX notifying and requesting they reverse one of the two payments back to my debit card the representative indicated they see the duplicate transactions and could not explain why these duplicate transactions happened and they have been having some technical issues. They promised to reverse the payment back and told me it will take 3 to 5 business days.
The Following Business day I called to if see the process of the reversal was completed and one representative said it can not be reversed after making multiple contacts with Synchrony Bank requesting, they reverse the one payment since my account is active current and good status. I explained according to the FACT Act ( Fair Accurate Credit Transactions Act ) act under the FTC they can not under the consumer credit laws withdraw more than one transaction towards any credit account without the consumers authorized permission. I asked to speak to a supervisor at Synchrony bank and explained their representatives had originally agreed it would be reversed. The Supervisor also refused to reverse my transaction. Therefore, I informed them I will be contacting my bank for the one reversal if not resolved immediately. The following week after speaking with another representative from Synchrony bank from XXXX I was discussing updating my XXXX XXXX XXXX XXXX XXXX which is separate from my Synchrony line of credit. I explained to him the unauthorized transaction which caused an issue and that on XX/XX/XXXX, I had contacted my bank to file a dispute for the duplicate transaction requesting my bank to reverse the one payment. After the Synchrony Bank Representative heard my issue, he agreed that he is willing to post the 2nd payment that was unauthorized to next month regular credit card payment as an apology and to help avoid the inconvenience I had encountered them ( Synchrony Bank ). I told him I would then contact my XXXX Bank and resend the one bank reversal I submitted if they are willing to honor this process. On XX/XX/XXXX I contacted my bank and rescinded the dispute transaction with my bank as agreed with the Synchrony Bank representative and my bank reversed dispute the same day ( XX/XX/XXXX. However, after waiting for 5 more days by XXXX the XXXX XXXX for them to honor the matter with a notice, call or email I received no contact at that time.
Later XXXX around the XXXX I received a call from Synchrony bank representative indicating my account was past due I explained to them that the duplicate payment I had originally disputed and was rescinded to pay them on the XXXX of XXXX should have already posted to their account the representative claims she had no idea of the matter and she transferred me to customer service. After explaining the same matter to customer service what transpired, the representative claimed the payment was never rescinded. I contacted my bank the same day. They verified the payment was rescinded on the exact same date I contacted them to cancel the dispute on XX/XX/XXXX. My bank sent me a letter from their Escalation validating the reversal of the duplicated dispute for {$70.00} which was rescinded and posted to Synchrony Bank giving a total of {$140.00}.
Early month of XXXX I received a letter by mail indicating : They had closed my account XXXX XXXX XXXX Credit Account and additional fees has been assessed because of my original request to my bank to one reversed unauthorized transaction is not acceptable according to their policy it is considered a stop payment.
On XX/XX/XXXX at XXXX XXXX. I Spoke with named representative of Synchrony Bank in regards to resolving account he said he is sending the complaint form requesting a call back from the Supervisor Dept. While on the Call he read all specific details regarding the matter and said he is creating a Dispute case #, I explained my XXXXXXXX XXXX XXXX account should never have been closed which was in good standings after they had wrongfully debited from my account more then one transaction. I told them I was willing to only pay the amount of the account I owed for {$360.00} nothing more nothing less before they closed my account and added more fees furthermore considering my bank did verify that the Dispute was cancelled which they rescinded the payment of {$70.00} back to Synchrony bank because of the prior the agreement I made with the Synchrony Bank representative that he will post the {$70.00} duplicate payment towards the next months bill.
Last year around Spring or Summer XXXX I received a call from an Collections Attorney I explained to her the situation in details of Synchrony Bank Violation of FACT ( Fair and Accurate Credit Transaction Act along with OCC ( Office of Comptroller of Currency ) violation with them being a bank that is a clear violation. She agreed and told me that she will send the account back to the client Synchrony bank because that was a clear violation under FDCPA Compliance. I had made numerous attempts with synchrony bank to allow me to only pay what I owed they refused to accept what I owed and continued to add additional fees after closing the account. On XX/XX/XXXX I contacted Synchrony Bank again and spoke with XXXX in the Collections Department explaining the same situation requesting to pay the {$360.00} they provided another complaint reference number and explained that this account has been charged off to their collection 's agency XXXX XXXX XXXX. I contacted them and they said the will submit counter back to client and I did not receive any correspondence other than a letter for a Judgment to answer from the Law firm of XXXX XXXX XXXX. I took the time gather all documentations and now moving forward with this complaint followed by other valid complaints I will file against Synchrony bank if not resolved Amicably
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| 05/01/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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|
Web |
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We have several credit cards and most of them are somehow tied to Synchrony Bank. We didnt ask for this company, but apparently they have the monopoly on loans with no interest if paid upon the agreed timeframe.
Currently, we are paying off or have recently paid off surgery for our dog, a computer, a our Lowe 's card and a mattress. ALL attached to Synchrony Bank. We ALWAYS pay these off early so as to avoid the high interest rates. We are a single income family and try to be conservative.
Recently I went into the CARE credit account to close it because we paid it off before the 6 month deadline. But I was forbidden to access it. I called Synchrony Bank and they were very reserved and would not talk to me as the customer, but instead told me they had sent out paperwork for me to review. That is all he would say.
Last Friday, the XXXX of XXXX, we went into Lowe 's to pay off the balance of our credit card ( to avoid interest ) and also tried to make a new purchase. Many know that there is an advantage when you use the card and you save an additional 5 %. However, our Lowe 's card was declined. We asked the Lowe 's rep to find out why. She called Synchrony Bank and they would not say. I asked to speak the the rep. I was told my account was under investigation for fraud and my card would not be allowed to process.
Other companies involved are XXXX and XXXX XXXX XXXX.
The rep at Synchrony Bank would not not consider me as the customer or the card holder, rather she treated me as a criminal. They didn't treat me as if they were trying to protect me as a customer. Nobody sent out an email as a courtesy or a phone call, but all of my accounts are frozen and nobody would tell me anything.
At this time, if we have an emergency, say with our dog, and we try to open a Care Credit account to make monthly payments, we will be refused. ANYTHING with Synchrony Bank is currently frozen. Yet I still have open accounts. They don't question " fraud '' when I make payments.
Also, every account was opened by me and my wife, I provided legal photo identification when the account was opened. So subsequently, when I checked my credit report on Saturday, I noticed my rating had dropped substantially. This means, since my wife is attached to the card, her credit will also be effected. We are not wealthy by any means, so it is an honor to have built up our credit so we may purchase things needed.
I then began to look at other complaints with the Consumer Affairs ' and the XXXX and found the same company was doing the same thing to others and also causing problems with their credit. And nobody is helping those of us effected.
After reading multiple reviews, it is apparent that the Bank is having issues with those who pay the loan off early. We are being penalized. Ours is not an isolated incident, but many others are having their credit diluted and damaged.
We didnt ask for the Synchrony Bank but this is what individual stores offered us at the time. My credit is being destroyed by a Bank that is apparently upset about not being able to get interest out of me. If you think that is absurd, then you read the complaints on the consumer affairs dot com and tell me if all of us are just plain XXXX. I don't know what you can do, but I hope you can help. Let 's see if you are really an advocate for us as your name implies or are you just bureaucrats drawing a check.
Protect us! Stop these people from damaging the reputations we built up.
Here are several of the recent complaints in case you don't read them on consumer affairs website.
*** '' I have been having trouble the last couple of years. I pay my bill when it arrives in my emails to be paid. I am then charged a late fee because they tell me I am paying too early. No matter how many phone calls I have made, I am told the same thing, that as long as I pay it without waiting for 2 to 4 days, then it XXXX up their statement period, and I will be charged late fees. This in no way seems fair or legal. '' *** '' Hi, as I read more of these reviews I feel empathy for everyone. I was a holder of a Synchrony Credit Card until they decided to close it on the basis of high risk failure to pay. I would like to know what basis they determined this on when I am up to date on my payments and have paid over the minimum payment each time. No one on the phone was of any help and treated me like I was irreverent. I have been doing everything right and they still closed my account during COVID -19 at that. So if they continue to waste my time on the phone running in circles, not answering any of my questions, I am organizing to SUE for wrongful determination during a pandemic. If anyone else if interested as well don't hesitate to contact me. '' *** '' I have no late payments, all accounts are current. Synchrony chooses to reduce credit limits. Close " XXXX '' balance accounts. This has decreased my credit score XXXX points. They approve credit cards at one amount and then reduce them. Showing your credit available being maxed out. When you pay them off, XXXX balance. They close the card. They are destroying my credit. Do not take any accounts associated with this company. I have most of mine paid off and my credit is still in bad standing, thanks to this company. '' *** '' There were 595 consumer reviews of Synchrony Bank in XXXX, Ct on the XXXX website. Synchrony Bank has a rating of 1.06 STARS out of 5 STARS. There were 1950 complaints in the last year alone and 5053 complaints in the last three years. Somehow, the XXXX rates Synchrony Bank with an A+ Rating probably because the XXXX collects a yearly fee from Synchrony Bank and presumably because Synchrony Bank will provide you with a canned response no matter what. There is a huge difference between legal and ethical norms. Synchrony Bank can do just about anything they want to legally but that does not mean it is ethical.
If you take the time to read complaints, you will find that Synchrony Bank does not care about your business. They do not care that they are hurting your credit score even when you are a good paying customer. Take the time to read the responses that Synchrony Bank has to individuals that have paid their accounts as agreed and had their credit rating destroyed by this company. There are probably hundreds, if not thousands of individuals, that have had their credit destroyed by this business without cause and the responses from Synchrony Bank are all canned.
The consistent responses are always : 1 ) When you got credit from the bank, you agreed to allow Synchrony Bank to reduce your credit limit or close your account at any time for any reason even though they will not contest in the majority of complaints that a customer has paid them on time for even a matter of years.
2 ) If you say, correctly that I might add, that Synchrony has hurt your credit score. The response is that your credit score can change on a daily basis. Even though Synchrony banks employees without any doubt that they hurt your credit, dont expect an apology or an admittance that they have done so.
3 ) Synchrony Bank claims to provide notice to individuals that they have reduced your credit limit or closed your account, even though it is statistically impossible for them to actually be doing so as required by law.
*** '' I bought a bed at Mattress Firm using them to finance XXXX purchase. I paid on time every month. As I paid it down, they kept lowering my credit limit, which dropped my credit score EVERY SINGLE MONTH. I made the final payment yesterday and will never use nor recommend them again. '' *** '' Don't get this card. You think you have it for emergencies. But they will cancel it and send you a letter after the fact. They canceled my wife 's while she still had a balance. Affecting both of our credit scores. My card I used it almost to max and paid all payment on time or early. And was saying it for use. The closed the account stating I was a risk. But all my payments were on time and 100 % paid off. Now my score dropped over 35 points cause I was a loyal person. Just to get stabbed in the back by a computer ran organization. XXXX XXXX I have ever heard of. '' *** '' So I first got the Synchrony Amazon Store Card four years ago. All was well and I never had any issues with this account, until now. I usually pay my account in full each month to avoid interest and keep my statement balance at {$0.00}. I have never paid late, not once. Last month XXXX XX/XX/XXXX ) I had spent about {$120.00} on my Amazon Store Card. I paid in full two days before the due date of XX/XX/XXXX. Statement printed {$0.00} balance on XX/XX/XXXX. Synchrony reported {$0.00} balance on XX/XX/XXXX.
Then I spent about {$400.00} on the card, with three charges on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and do you know how they rewarded me for always paying early and in full? They REPORTED MY CURRENT MONTH 'S SPENDING to the Credit Bureaus! Ten days after the bill closed, and one week after they reported my {$0.00} balance to the bureaus, they re-reported my account with the brand new charges that were merely hours old! Those charges have not been billed yet, and won't be until XX/XX/XXXX, so the XXXX Period to pay in full wont even begin until XX/XX/XXXX and those charges will not be due until XX/XX/XXXX!
*** '' Do the bureaus really need to know that I bought a few things at Amazon before those charges are even due? Is this their way to punish me because I get 5 % cash back on this card and never pay any interest? My credit score was harmed by their unnecessary, mid-cycle report and when I tried to call them about it, they put me on hold twice, 15 minutes each time, until I gave up and hung up. '' *** '' My response to all of this was to immediately log in and pay my account in full. Payments show as " processed '' in the payment history, but the billing activity still does not reflect the payments, nor have they been withdrawn from my bank. So now it appears they are " false processing '' my payments for reasons unknown to me. I think they have crossed a major line and are now engaging in illegal activity.
Now that they have monkeyed with my account that in this way, I am reading lots of other reviews about what they have done to other people in recent weeks and months. They are lowering people 's credit lines, closing accounts, and taking other actions that directly hurt customer 's credit ratings, and they are doing this to the good customers who manage their accounts responsibly. They truly are punishing the responsible cardholders for reasons unknown. It makes me wonder what is going on with them internally. I do know they are paying out a large class-action settlement, but it's in the millions and Synchrony 's 4th quarter XXXX earnings were in the billions so I can't imagine that is the issue.
Seems like they are just wanting to get rid of customers who don't pay interest and enjoy the rewards offered on their various store cards. Really a shame that they treat good responsible customers this way. We are literally being penalized for being a better credit risk! If I didn't already have these accounts, I think I would avoid getting involved with this bank because they may be ok for a while, but that could change overnight as it has for me, without warning and for no apparent reason other than they just want to. If they don't process my payments tomorrow, I'll be complaining to the CFPB. '' *** '' I have been a customer for 10 yrs with multiple credit cards linked to Synchrony Bank, 6 to be exact, as well as credit cards from other credit companies. I have always paid my bills on time throughout the years with no real issues. Unfortunately I was hit pretty hard/badly with the pandemic of XXXX causing a financial strain for the rest of the year. Out of all my creditors synchrony bank was the least willing to work with me.
In an attempt to save my credit cards I paid Synchrony bank off first before my other creditors, since my other creditors were more willing to work with me in such trying times. Synchrony bank literally waited for me to pay off my accounts and then CLOSED ALL OF THEM within a months time frame, stating my credit score dropped too low during the pandemic and that I could reapply again once my score came back up! None of my other creditors closed my accounts. I will never again apply for anything backed by Synchrony bank for as long as I walk this earth! ''
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| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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RE : SYNCHRONY BANK/QVC CARD Synchrony Bank Corporate Headquarters : Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX QVC, Inc. Global Headquarters XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX.
XXXX : Date Approved : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX On XX/XX/XXXX I opened a QVC/Synchrony Bank credit card online and purchased a XXXX XXXX electric toothbrush for {$79.00} and another item that was returned. I received a credit card number online at point of purchase with a credit limit of {$1900.00}. I never received an actual credit card, however.
In XXXX, I received an initial bill with {$6.00} due on the first payment as a result of the return. At this time, I attempted to establish an online account to make payments, as I had with all my other recurring credit card, utility, mortgage, and other accounts. However, contacting and working with QVC/Synchrony was an unusually confusing and unprofessional experience where I was referred to various departments and back and forth between QVC and Synchrony. Finally, I was told that neither QVC nor Synchrony could validate my account or even who I was, and had no record of my credit card account number.
Frustrated with this ridiculous process and waste of time, I set the bill and issue aside thinking that it would be resolved at the next billing cycle or when I received my credit card. Unfortunately, as far as I recall, I never received another hardcopy billing statement from QVC and promptly forgot about the account and the small payment due.
I never heard from QVC again, nor Synchrony Bank. However, on XX/XX/XXXX of XXXX, while reviewing one of my credit reports, I noticed a fraudulent address on the report : XXXX XXXX XXXX, # XXXX, XXXX, MI XXXX. This was listed as my residence since XX/XX/XXXX ( The proximate time when the QVC account was opened by me and the first bill received ). I live in Nebraska and have no other residences or addresses. I notified XXXX of this and they promptly investigated and removed the address from my credit report as FRAUD. ( EXHIBIT D ) On this same credit report, there was also posted notice of a collections account for {$290.00} from a debt buyer, XXXX XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX, SC XXXX ( XXXX ). Along with this account was posted notice that the account had been charged off by Synchrony Bank on XX/XX/XXXX.
This was all news to me since I had not received billing statements from Synchrony Bank or QVC, had received no correspondence or calls about a late payment or that the account was in danger of being charged off, and did not receive the legally required Notice of Assignment ( NOA ) under Section 136 of the Law of Property Act from Synchrony Bank to inform me that the account had been assigned to the debt buyer XXXX.
On XX/XX/XXXX, I contacted XXXX at the number on the report. I spoke with XXXX. I explained to her that I had no idea who XXXX was or why they had put a collections notice on my credit reports, stating that I owed {$290.00}. The only charge I had made on QVC was for a toothbrush at {$79.00}. XXXX said that the balance was probably from late fees and interest, since the card appeared to still be open. I explained that I had received no bills or notice of this, so would not be paying any such fees. I also explained that under FDCPA, XXXX is required to provide written notice of the debt and collection action, and of my right to obtain validation of the debt ( 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.16 ), and can not under law, without incurring liability, place a collections notice on a debtors credit reports. This was clearly illegal and damaging. I never received any communications from XXXX, no communications or billing from QVC or Synchrony Bank, no opportunity for debt validation, and did not know who you were until I saw your company listed on my XXXX report on XX/XX/XXXX.
XXXX reviewed my account and at first thought that my address was the fraudulent address in Michigan, which apparently was where my bills and information was being sent. When I explained to her that this was a fraudulent address and had nothing to do with me, and that XXXX had removed it, she seemed to understand the problem I had been having with the account due to a wrongful address and/or credit fraud. XXXX told me she was going to file a dispute and that I would be hearing from them.
At that time, I also called Synchrony Bank but was unable to get anyone to listen to my concerns since the account had been charged off and was with XXXX. The Bank personnel referred me to XXXX to address my issues.
On or about XX/XX/XXXX, I received a letter with attachments from XXXX/XXXX sent on XX/XX/XXXX stating that the enclosed information was a verification of my debt and a demand to pay {$290.00} ( EXHIBIT A ). Enclosed was a summary of the debt and original creditor, Synchrony Bank, XXXX. XXXX XXXX, XXXX, GA XXXX, who had charged off the account on XX/XX/XXXX for {$290.00}. Also was attached a billing statement from Synchrony Bank date XX/XX/XXXX, the date of charge off. Ironically, the address on the billing statement was the fraudulent address in Michigan with my name at the top : % XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX. ( SEE EXHIBIT A ) Here, it is clear by their own fact statement on their billing statement that Synchrony Bank was sending my billing statements and correspondence to a fraudulent or wrong address in Michigan. However, in bad faith, XXXX/XXXX made no effort to address this error, as had been promised by XXXX on XX/XX/XXXX, and to stop its collections efforts, despite my sending them two letters and substantial documentation to prove that they were in the wrong and should address this issue with Synchrony Bank to remove the charge off from my credit reports ( EXHIBITS E & F ). XXXX also made no effort to remove the illegally placed collections notice on my credit report but persisted in collections and in damaging my credit.
Finally, as a result of this situation I reviewed my information regarding QVC and found that on XX/XX/XXXX I had received at my real address in Nebraska correspondence from XXXX XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX, IA XXXX ( EXHIBIT B ). This was a notice that my account with QVC was past due but could be brought current and paid in full for {$39.00}. However, the account number on the notice from XXXX did not match the account number I had received from QVC in XXXX of XXXX, so I had set it aside thinking it was a scam. Finding this notice again, I called XXXX XXXX. XXXX and spoke with a representative. She knew nothing about XXXX/XXXX or any charge off from Synchrony Bank or collections action. She also said that the account number on their billing statement did not match my account number but that this was their own accounting number for my actual account from QVC. I asked her if I could still pay this balance due for the QVC account and she affirmed this and told me how to find my Nationwide account online. As a result, I went online and paid the {$39.00} balance due to bring my QVC account current. The payment was retained by XXXX and withdrawn from my bank ( EXHIBIT C ). Proof of this payment was also forwarded to XXXX/XXXX but made no difference to them since they only cared about extorting money from me. The payment was also made to Synchrony via XXXX but was also not acknowledged by removing the charge off. Under law, since I never received a Section 136 NOA, any payment made to the Assignor, here Synchrony Bank, must be accepted and be removed from your accounts balance due.
Under this law and error, Synchrony Bank would have to reverse its charge off on this fact alone, not to mention the incorrect billing to a fraudulent or wrongful address that violates numerous federal laws, including the Fair Credit Billing Act ( FCBA ), the Truth and Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). Synchrony Banks sloppy, careless, disorganized management of its QVC accounts, or its lack of providing secure access to online credit card information and billing, was the cause of the charge off and any accumulation of late fees or interest on the {$39.00} balance due. In fact, in Nebraska there is a usury law under which Synchronys {$290.00} interest charge, as it is listed, is illegal. {$290.00} interest on a balance of {$39.00} over six months is 632 % interest. This is usury and such exorbitant interest charge likely violates many federal and other state laws.
To summarize : 1 ) For whatever reason, Synchrony Bank/QVC sent my federally required billing statements and any other correspondence to a third party or fraudulent address in Michigan instead of to me at my address in Nebraska, where my account was established and my first statement was sent. I discovered this fraudulent address on my XXXX, XXXX, and XXXX credit reports in XXXX of XXXX and these were removed by these reporting agencies after they conducted investigations. As a result of this error or fraud, my credit was damaged and defamed by a charge off of his account by Synchrony Bank/QVC, a charge off I knew nothing about and for which I received no federally required Notice of Assignment.
2 ) I paid this account in full for {$39.00} after speaking with XXXX XXXX , XXXX., when discovering their offer and after speaking with a XXXX representative.
3 ) At charge off on XX/XX/XXXX, Synchrony Bank sold his account to debt buyer, XXXX, for pennies on the dollar. The balance due at that time was {$290.00}, {$250.00} of which that was listed as interest charged by Synchrony for 6 months on {$39.00} principlea return of 632 %, clearly in violation of Nebraskas Usury statute. However, under both contract and under federal and state law, Synchrony Bank/QVC can not legally hold me liable for payment, late fees or interest, or charge-off of his account when I did not receive required billing statements and other notices in regard to his account, and when indeed the account was paid in full to XXXX XXXX , XXXX .
4 ) I made debt buyer, XXXX/XXXX fully aware of this situation, sent documentation to support his claims, and two letters of explanation, as well as speaking on the phone about what happened several times, explaining that they had a duty to contact Synchrony Bank/QVC and to remedy the error, including removing negative collections reporting that they had placed on his credit reports. XXXX/XXXX did nothing, other than demand that I prove fraud by filing a police report, despite that I had forwarded the information regarding fraud from my Equifax report. XXXX/XXXX made no considered effort to resolve the situation, missing the point of his dispute and making no attempt to understand and repair it. Instead, XXXX/QVC continue to send me perfunctory validation letters and demands for payment, while continuing to harm my credit by leaving the erroneous and defamatory negative credit information on my reports. XXXX/XXXX gave the impression that all they care about was collecting money, whether or not this was actually due, a just action, a mistake, or extortion.
At this time, I simply ask that Synchrony Bank/QVC immediately remove the charge offs from all my credit reports and place a statement of error in my files and with credit bureaus, serving me notice of this action in a formal letter. I also ask that Synchrony Bank contact XXXX XXXX, XXXX, to verify my payment. Finally, I ask that Synchrony contact debt buyer XXXX/XXXX to report this error and to demand that they also remove any collections information from all of my credit reports along with a letter of explanation to the credit bureaus to be placed in my file. XXXX/XXXX should also send a letter of apology to me, releasing me from any liability to them for payment.
If this is not done ASAP, I will have no choice but to sue Synchrony Bank for damages, along with debt buyer, XXXX/XXXX, who I am not releasing from legal liability at this time but giving the opportunity to mitigate their damages to me. This is not an idle threat. I am retired but have a law degree and know my way around the courts in litigation.
|
| 05/22/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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|
Web |
|
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I have made electronic payments for my Walmart credit card with Symphony Bank. The payments are not applied to my account and I am charged a late fee. The last payment was on X/XX/17 and was for $XXXX and $XXXX both were debited on X/XX/17 but were not applied to my account. I asked the bank for the trace number and the payments were applied. This is not the first time this has happened with this company and I have used different banks.
I asked for reason the payment was not applied and have been ignored and finally sent a message stating I would ask your agency to find out why and what I can do to keep this from happening again.
I am including the messages sent to Walmart and my answers below:
RE: wal-mart credit card account information
From: XXXX
To: Customer Service XXXX XXXX, 2017 I have asked several times why these payments were not credited to my account in a timely manner and received standard answers that did not explain why this is occurring. I will contact another agency to resolve this issue. I can not correct these "missing" payments unless I know the reason for the credits not being issued. If it's my bank or if it's your bank and system then I can adjust my payments to be paid on time and without late fees. 2017XXXXXX XXXXSynchrony BankRE: Walmart Credit Card Account InformationXXXX
Thank you for your recent inquiry regarding your Walmart account, and the opportunity to be of service to you.
Please be aware that our review and resolution process may take up to 2 billing statements, however, our typical response time is 20 days. You will receive a letter in the mail with the resolution. We appreciate your patience and understanding.
We appreciate you as a valued Walmart customer and hope you will continue to shop with us.
If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below.
Sincerely,
XXXX
Customer Service XXXX
Account is owned by Synchrony Bank
--- Original Message ---
From: "XXXX XXXX XXXX
Received: X/XX/17 XXXX XXXX EDT
To: XXXX
Subject: RE: Walmart Credit Card Account Information
Thank you but why did the payment not apply in XX/XX/XXXX? This has happened at least 3 times in the past. What is the issue with the payment applying correctly? Is it the bank's system or the information not downloading in your system or my bank?
I worked for the XXXX XXXX XXXX XXXX and we had a similar issue with and the customer had to provided a trace number to find the payment. I want to correct this by fixing the issue with the bank or the company.
2017-XXXXX XXXXSynchrony Bank for your Wal-Mart Credit CardRE: Wal-Mart Credit Card Account InformationXXXX XXXX
Thank you for your recent inquiry regarding your Walmart account, and the opportunity to be of service to you.
Your payments of $XXXX and $XXXX are applied to your account on XXXX XXXX, 2017 respectively . For further assistance please contact us at XXXX.
Hours of Operation
Monday - Saturday XXXX-XXXX Sunday: XXXXXXXX - XXXXXXXX
We appreciate you as a valued Walmart customer and hope you will continue to shop with us.
If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below.
Sincerely,
XXXX XXXX
Customer Service XXXX
Account is owned by Synchrony Bank
--- Original Message ---
FromXXXX XXXX"
Received: X/XX/17 XXXX XXXX EDT
To: XXXX
Subject: RE: Wal-Mart Credit Card Account Information
After contacting the bank today, I have a trace number for the XX/XX/XXXX payments. It is XXXX: This is the trace number XXXX. I hope this shows the credit for the $XXXX and $XXXX payments on XX/XX/XXXX from XXXX XXXX XXXX XXXX.
2017-XXXXX XXXXSynchrony Bank for your Wal-Mart Credit CardRE: Wal-Mart Credit Card Account InformationXXXX
Thank you for your recent inquiry regarding your Walmart account, and the opportunity to be of service to you.
Thank you for the information you provided. We are crediting your account for fees in the amount(s) shown below. You will see the credit applied to your account within 1-2 business days.
Late Payment Fee(s): $XXXX
Your two payments of $XXXX & $XXXX were applied to your account on XXXX XXXX, 2017 respectively. Your balance as of XXXX XXXX, 2017 is $XXXX.
Our records show that the payment in question has not been credited to your account referenced above. To assist us in resolving this matter, we need documentation of the payment. Please review the list below and, depending upon how the payment was originally submitted to us, please send us the document(s) needed to complete our research.
- Mailed Payment Processed Electronically (Only if the copy of the check is not available from your bank): Please send a copy of your bank statement or a letter from your bank stating the check cleared, the date the check cleared, whom it was made payable to, and the amount of the payment.
- Mailed Payment: A clear copy of the front & back of your cashed check or money order. Please note that the receipt stub or carbon copy for the money order will not assist in our research.
- In-Store Payment: A copy of your receipt. If a check or money order was used, a clear copy of the front and back of the cashed check or money order.
- Online/Electronic or Phone Payment: From the online provider, a copy of the transmittal report for the payment. Please note that a copy of the scheduled payment or a bank statement showing the online payment being withdrawn will not assist in our research.
Please mail this information to the following address and include a copy of this email:
Wal-Mart
XXXX XXXX XXXX
XXXX FL XXXX or Fax: XXXX
Upon receipt of the above outlined information, we will take the necessary steps to see the proper adjustment(s) is made to your account. If we do not receive your response within 20 days of the date of this letter, we will consider the balance to be correct.
We appreciate you as a valued Walmart customer and hope you will continue to shop with us.
If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below.
Sincerely,
XXXX XXXX
Customer Service
XXXX
Account is owned by Synchrony Bank
--- Original Message ---
From: XXXX
Received: X/X/17 XXXX XXXX EDT
To: XXXX
Subject: RE: Wal-Mart Credit Card Account Information
Again, where are these payments? I am not paying for extra late charges for the lack of posting these payments. It is XX/XX/XXXX and the XX/XX/XXXX payments are not posted yet? 2017-XXXXX XXXXSynchrony Bank for your Wal-Mart Credit CardRE: Wal-Mart Credit Card Account InformationXXXX Thank you for your recent inquiry regarding your Walmart account, and the opportunity to be of service to you.
Please be advised, we received two payments in the amount of $XXXX and $XXXX on XXXX XXXX, 2017. Please note, the payment due date which is listed on the monthly billing statement was XXXX XXXX, 2017. Because the minimum payment due was not received, your account may have accrued additional late payment fees and/or interest charges.
Please be sure to review the monthly billing statement for account details.
Our records show that the payment in question for XX/XX/XXXX has not been credited to your account referenced above. To assist us in resolving this matter, we need documentation of the payment. Please review the list below and, depending upon how the payment was originally submitted to us, please send us the document(s) needed to complete our research.
- Mailed Payment Processed Electronically (Only if the copy of the check is not available from your bank): Please send a copy of your bank statement or a letter from your bank stating the check cleared, the date the check cleared, whom it was made payable to, and the amount of the payment.
- Mailed Payment: A clear copy of the front & back of your cashed check or money order. Please note that the receipt stub or carbon copy for the money order will not assist in our research.
- In-Store Payment: A copy of your receipt. If a check or money order was used, a clear copy of the front and back of the cashed check or money order.
- Online/Electronic or Phone Payment: From the online provider, a copy of the transmittal report for the payment. Please note that a copy of the scheduled payment or a bank statement showing the online payment being withdrawn will not assist in our research.
Please mail this information to the following address and include a copy of this email:
Walmart Credit/ Synchrony Financial
XXXX XXXX XXXX
XXXX, FL XXXX
or Fax: XXXX
Upon receipt of the above outlined information, we will take the necessary steps to see the proper adjustment(s) is made to your account. If we do not receive your response within 20 days of the date of this letter, we will consider the balance to be correct.
We appreciate you as a valued Walmart customer and hope you will continue to shop with us.
If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below.
Sincerely,
XXXX XXXX
Customer Service
XXXX
Account is owned by Synchrony Bank
--- Original Message ---
From: "XXXX
Received: X/XX/17 XXXX XXXX CDT
To: XXXX
Subject: RE: Wal-Mart Credit Card Account Information
Thank you for the explanation but why was the payment not credited until now? What happened the payment from XX/XX/XXXX to now? And why does this happen when I pay and no payment is shown causing the late fee charge?
This is not the first time. This has happened at least three prior times and I paid the late charges.
How are you going to insure that my payment is posted on a timely basis?
2017-XXXXX XXXXSynchrony Bank for your Wal-Mart Credit CardRE: Wal-Mart Credit Card Account InformationXXXX
Thank you for your recent inquiry regarding your Walmart account, and the opportunity to be of service to you.
Your payments of $XXXX and $XXXX were applied to your account on XXXX XXXX, 2017.
Each month that you have a balance on your account, you will receive a monthly billing statement. On that statement, we detail your full balance due, along with the minimum payment required and the payment due date. You have the option to pay the full balance or more than the minimum payment, but always must pay at least the minimum amount due detailed on your monthly billing statement.
Information about the fees assessed, and how those fees may be avoided, are shown in the "Late Payment Warning" section of your Monthly Billing Statement.
Thank you for the information you provided. We are crediting your account for fees in the amount(s) shown below. You will see the credit applied to your account within 1-2 business days. If this adjustment(s) brings your account balance to XXXX, you may not receive an additional billing statement. If the adjustment(s) resulted in a credit balance to your account, a refund check will automatically be sent within the next 45 days.
Late Payment Fee(s): $XXXX We appreciate you as a valued Walmart customer and hope you will continue to shop with us.
If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below.
Sincerely,
XXXX
Customer Service
1XXXX
Account is owned by Synchrony Bank
--- Original Message ---
From: XXXX
Received: X/XX/17 XXXX XXXX EDT
To: XXXX
Subject: Wal-Mart Credit Card Account Information
I have made a payment on the website in XXXXXXXXX 2017 and it did not post to the account.
I sent two payments from my bank account which cleared on XXXX-17 and both are not on this account. I checked with my bank and was told the money was not returned for the $XXXX and a $XXXX payment both on the same date.
Why is this happening? Each time there is additional late fees that are applied that should not be charged.
|
| 09/12/2023 |
Yes |
- Credit card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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|
Dear Consumer Financial Protection Bureau ( CFPB ) : In 2023 year-to-date, I have been charged {$79.00} in interest charges by Synchrony Bank through the Amazon Store Card. However, it was my understanding that by paying the " Total Minimum Payment Due '' plus the sum of " non-promotional purchases '' by the " Payment Due Date '' that I would avoid interest charges. Somehow over the last 3-4 months my understanding was different from the policies and processes that Synchrony had put into practice. My primary complain is focused on : The difficulty of accessing clarity and customer support from Synchrony Bank, which further obfuscates opaque, misleading, and predatory language, policies and processes that harm consumers by surreptitiously adding interest charges to their accounts. This is in spite of some consumers intentionally trying to avoid interest charges by making the adequate payments on a monthly/regular basis.
In the following complaint, I document my experience trying to resolve this issue, which I believe is likely faced by dozens of thousands of Americans ( if not more ).
Today, XX/XX/XXXX, I called Synchrony Bank and specifically its Amazon Store Card division. From the very beginning, the process to get in touch with someone who could actually explain the charges was difficult. First, the " live chat '' option on the Synchrony website was a chatbot who provided no useful information other than repeating snippets of policy. When I was connected to a live agent ( called " S '', shorthand for XXXX if I recall correctly ) via chat, they too continued to repeat similar snippets of policy such as " The non promotional balance should be paid in full to avoid interest charges ''. This was even in response to my request for a line by line explanation of each interest charge that had been added to my account. This clearly was not going in any meaningful direction and thus I asked for a phone number through which I could speak with an agent.
I was provided the number : XXXX. On this line, the automated system asked me for an account or credit card number. Recall that the Amazon Store Card provided by Synchrony Bank is by nature focused on e-commerce purchases and thus a physical card is unlikely to be needed. Moreover, on their website, even when logged in, there is no easy place to find such information ( account or credit card number ). After being unable to provide that information, they requested my Social Security Number and I provided it. However, they were unable to find a match and I thus requested to speak with an agent. Finally, after initially calling the number at XXXX XXXX EST, I was connected with XXXX at XXXX XXXX EST. XXXX informed me that since my matter dealt with the Amazon Store Card that I had to call a different number : XXXX. I asked her to connect me and she did.
At XXXX XXXX EST, I was connected to XXXX. I explained to her that it was my understanding that by paying the minimum payment and the sum of non-promotional purchases that I was avoiding interest. We went through a convoluted exercise of discussing account balances, non-promotional balances, promotional balances ( including deferred interest rate balances and equal monthly payment balances ). I explained to her my understanding and my process of adding the minimum payment to the sum of all non-promotional balances from a statement. I emphasized that I had a track record of regular payments that I thought were interest-avoiding and thus this was a surprise to me : to have seen not only this last statement 's interest charges but that I had accumulated more than a nominal amount in the last year.
It is worth noting that " adding the minimum payment to the sum of all non-promotional balances from a statement '' is not a trivial task. Although the minimum payment is included at the top of billing statements, account holders are not informed of what goes into that number in their statements. Furthermore, adding all " non-promotional purchases '' requires going transaction by transaction to filter out any promotional purchases and create a running sum of each non-promotional transaction. For a regular XXXX customer, this could mean sifting through dozens of transactions, each of which is printed in similar monochromatic text, which partially describes the order/transaction and in some cases can be quite lengthy. A reasonable person could easily miss or misclassify a transaction since promotional transactions are only differentiated by a single line of all caps text that describes the promotion. This line sits below another line of all caps text that describes the transaction source. Hence, the burden is placed on consumers to sift through their billing statements section by section, line by line in order to surmise what the appropriate, minimum payment would be in order to avoid any interest charges.
As you may already infer, this is a burdensome process imposed on consumers that can be very beneficial to Synchrony and XXXX. XXXX products increase consumer spending on XXXX. All the while, tedious manual accounting, easily prone to human error, can lead to erroneous interest charges that benefit Synchrony Bank financially. In XXXX, I find it suspicious that a partnership between Synchrony Bank and XXXX that offers these consumer credit/lending products does not provide account holders with something as clear, simple, or intuitive as an " Interest Saving Balance '' on their billing statements or account homepage. In Exhibit A, I show that XXXX XXXX, which also provides an XXXX credit card and also provides XXXX payment options, does clearly provide account holders with an " Interest Saving Balance ''. Since XXXX is most likely highly involved with these credit products and the user experience off XXXX, I find it likely that Synchrony Bank and XXXX are aware of this XXXX XXXX feature and intentionally do not provide to consumers via Synchrony Bank. I suspect that they do this because it is financially lucrative for account holders to NOT know their interest saving balance. I suspect that it is their hope that even when consumers intend to make payments that avoid account interest, that they may inadvertently miss a transaction or line of text that will allow Synchrony to charge the consumer interest.
However, the buck does not stop there. Even if, an account holder of the Amazon Store Card through Synchrony Bank, makes a payment meeting or exceeding the " Interest Saving Balance '' ( which is not provided to them ) there is still a chance that the payment may be misapplied with respect to the intention of the account holders. That is, if it is the intention of the account holder to make a payment that allows the account to avoid accruing interest, the funds may be applied to " promotional purchases '' instead of " non-promotional purchases ''. By misallocating these funds, with respect to the intentions of the account holders, Synchrony Bank benefits financially by allowing interest to be charged on any remaining non-promotional balance.
Apparently, in order to correctly allocate payments, Synchrony bank has created a process with little visibility that requires account holders to call in, specify, and confirm where they would like to see their payment applied. This " notice '' is hidden in a small light, blue box in the middle of the billing statement. As a light blue box in a corner, it does not demand any sense of urgency. Hence, I was not aware of this footnote until I spoke on the phone with XXXX and the supervisor/account manager I later spoke with, XXXX. Before I go into the details of my conversation with XXXX, I would like to emphasize that this is yet another manual process beyond the transfer of funds ( i.e. making payment ) that obfuscates the payment process and outcomes in a way that diverges from the intentions of consumers and benefits Synchrony Bank handsomely.
A frustrating conversation with XXXX ensued after going through the aforementioned and learning about the hidden and opaque " gotchas '' that Synchrony Bank uses to collect interest from account holders. In order to resolve the situation, I requested that the interest charges be waived given my ( 1 ) track record of on-time payments, which I assumed were and intended to be in full ( " avoiding interest '' ), and ( 2 ) the predatory nature of Synchrony Bank 's policies, processes, and customer support procedures. I was told by XXXX that they could not waive the interest charges. I, then, asked to speak with a supervisor.
At XXXX XXXX EST, I was connected with XXXX who identified herself as an Account Manager. I explained the situation to her and she also worked with me to understand the balances, interest charges, and reasoning behind them. We identified a misallocation for a month and that interest charge was waived. In the other two cases, XXXX notified me that the interest charges could not be waived because the payments I had made did not meet the threshold to avoid interest. I explained to her that I always made payments with the intention of covering the minimum amount needed to avoid interest. I also emphasized that it was very tedious and burdensome to expect users to call in after payment in order to validate that their payments were being allocated correctly. I informed her that I was not happy with the outcome, that my issue/complaint was not resolved, that this was a predatory practice, and that I would be filing a complaint with the Consumer Financial Protection Bureau XXXX I get the feeling that she was not able to do much more to help because of corporate policies that promote this type of predatory consumer exploitation.
To understand the magnitude of this practice, consider a number of statistics : - XXXX has at least XXXX XXXX Prime subscribers in the XXXX ( XXXX XXXX, XXXX ).
- In XXXX of XXXX, XXXX attracted XXXX XXXX visitors ( XXXX, XXXX ).
- It is estimated that the XXXX marketplace has over XXXX XXXX active users worldwide.
- Synchrony Bank has more than XXXX XXXX customer accounts and financed {$110.00} XXXX in sales in XXXX.
- As of XXXX, it has been reported that they " offer over XXXX store cards and credit cards, and according to its website, they service more than XXXX XXXX active customer accounts '' XXXX revolutionized e-commerce and in many ways catalyzed the adoption and growth of Buy Now, Pay Later ( BNPL ) products through its partnership with Synchrony Bank.
E-commerce and Financial Lending Services have become inextricably tied together and marketed as " win-win partnerships ''. However, these " win-win '' partnerships can very much come at the cost of consumer purchasing power and choice as well as leave consumers reeling after being exploited through surreptitious policies that charge and collect interest and other fees. I hope that my experience can at the minimum lead to new policies and procedures at Synchrony Bank that safeguard and prioritize consumers. In the long-term, I hope that the CFPB, and/or congress, can create new regulations that require ( 1 ) a clear line-item balance that informs consumers of the payment they would need to make in order to avoid interest charges or any other additional fees, and ( 2 ) lending companies ( loans, credit cards, XXXX, etc. ) to provide clear allocation requirements, processes, and options at time of payment, especially if a misallocation could lead to interest charges.
Thank you respectfully for your time, work, and advocacy, XXXX XXXX NY Resident References : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I use bill pay through XXXX XXXX XXXX to pay my creditors. The card Im having issues with is XXXX through Synchrony Bank.
Bill pay is setup to automatically make payments of XXXX XXXX monthly On the XXXX of each month. On XX/XX/2020 a payment was made to this account. On XX/XX/XXXX I got a notice of this payment being late. I immediately checked my bank account and it showed the {$40.00} had been paid. I called Synchrony and they said give a few days it might be processing slowly due to the pandemic.
I checked back with them on XX/XX/XXXX because it still wasnt showing that it was credited. They told me to wait a couple of business days.
XX/XX/XXXX it hadnt been credited so I called again. The person that day said they never received it. I told them they did they asked for the confirmation number on that transaction so I gave them the confirmation number. They said it should take a couple days before its credited. Nope! I call again and they said the confirmation doesnt prove anything. I call XXXX XXXX XXXX we do 3 way call and whatever Synchrony asked for from XXXX XXXX XXXX they gave them. After a week and half of this back and forth some agent found the money credited to another account. The agent told me that once it transfers from that account to the XXXX XXXX be all set. Nope! I called several more times over the next week and half and they all said to wait for it to transfer theres no need to keep calling. Week 3, I made a call to find somebody willing to manually make the transfer and he asked me why the others had not done it? It took him a while but he did it while I was on the phone. He told me it should show up in the next few days as a credit. It did!! I decided at that point that I would pay off this card so I dont have to go through this again. I scheduled a final payment for XX/XX/XXXX in the amount of {$100.00}, the balance was {$100.00}. On XX/XX/XXXX the final payment hadnt been credited so I checked my bank account and saw the {$100.00} had been taken out on the XXXX of XXXX. So, I call Synchrony and they said give a couple business days and check back. I check my XXXX on XX/XX/XXXX and it still hasnt shown up. So, I call and they are now saying they didnt get it. I told them they did because it was taken out of my checking account. I asked them if they credited it to another account and they said they wouldnt do that. HUH! I told her that they did with my XX/XX/XXXX payment. So she told me that she would do some checking and Id hear back in 3-5 business days. I told her that by that time itll look like my payment will be late, on XX/XX/XXXX, and Ill be charged a late fee. She said that they will credit the late fees once the payment was credited. XX/XX/XXXX, I call and they are still saying they havent received it. I call XXXX XXXX XXXXXXXX and we do a 3-way call. The two representatives, one from my bank and the other at Synchrony, discuss this situation and the agent from Synchrony tells my bank that all they need is information showing the confirmation number, my account number the amount and date on XXXX XXXX XXXX letterhead. My bank agent faxed the document while we were all still on the phone. Synchrony then told myself and my bank rep that it should be taken care of in 3-5 days. Nope! I called back on the XXXX of XXXX to find, they are not able to accept something on letterhead it doesnt prove the payment was made. I told her, that is what Synchrony bank asked for. She stated, Im not sure who you spoke with but we need something showing your name, your account number and the actual transaction, such as your bank statement. I call my bank to inform them of what is needed but my bank can not send my bank statement because they have no access to it. I print it and tried to fax it but their fax line was busy for 2 hours so I made a copy and mailed it to the address given to me by that agent. By this time Im getting, almost daily, late payment reminders. I call them to let them know that its been paid. The agent said she could see all the calls I made and removed the late charges and interest and would wait for my bank statement to show up so my account could be credited. On XX/XX/XXXX, I call again because now Im getting texts and emails of a late payment. The agent from Synchrony said its automated and there isnt anything she can do about it until my account is current. She told me not to call regarding those automated emails and texts. XX/XX/XXXX, I get an email that tells me they can not accept my request and to contact my bank and request a compete transmittal report be sent. I called Synchrony bank, same day, and asked what that meant? She said that my bank statement doesnt prove the money didnt go back into my account but they can see where it was taken out. She told me that they need the transmittal report. I asked what thats going to do to resolve this situation? She said it will follow the money that was sent. She said this will take care of my account. I call my bank, same day, to let them know that Synchrony is asking for a transmittal report. The bank faxed the transmittal report. Same day, XX/XX/XXXX, I receive another email letting me know they were pleased to inform me that my request was approved and a provisional payment was made to my account in the amount of {$100.00} based on the information provided. If their research shows the payment is invalid, they will reverse the credit. XX/XX/XXXX, Synchrony sends me another email letting me know that they had not received valid documentation so the previous credit will now be reapplied as debt.
I called them immediately to see why the information was not sufficient? The agent said they didnt get it. I told the agent it had been faxed and a credit applied to my account. Why would you do that if you didnt get the report!? I asked the agent for her fax number. I informed her that as of the next day it would still show my account delinquent and a payment due which will include more late fees and interest. She apologized and agreed that I would be assessed late fees that can removed once my account is current.
I called my bank yet again to inform them of this incompetence and re-faxed it to the number they had for Synchrony and then to the number Synchrony gave me.
XX/XX/XXXX, I get an email from XXXX stating there had been a change on my account. I opened it to look to see that this disaster is now showing up on my credit report. It has dropped my credit score from the 800s to the 700s. I immediately call Synchrony and get someone who could see ALL the phone calls, the temporary credit and all the reports and couldnt understand why this hadnt been fixed. She put me through to a supervisor, XXXX, who told me they have the transmittal report and once its processed, within 30 days, Ill be all set. I told XXXX that its outrageous that it has taken so long and that I have to wait another 30 days. She blamed me for calling so many times because every time I call it creates a different report. I told XXXX that this account has been open for 30 months and the first 28 payments, all made the same way, got to you just fine but payment 29 and now payment 30 is a problem!?!? She blamed the pandemic. I let her know that another agent I spoke with in XXXX told me the missing payment has nothing to do with the pandemic. I told her that every time I call I get someone different and nobody can agree with what is needed. XXXX gave me her name and extension so I can contact her directly with any future calls.
XX/XX/XXXX, I call Synchrony bank, because it has now been 30 days since the transmittal report had been faxed a second time. I asked what is going on with this never-ending issue? After 48 minutes the agent tells me that the transmittal report is not sufficient because it doesnt show if the money came back into my account? I reminded him that the transmittal report follows the money and itll show you, it never came back to me. He said it went back to my bank. XXXX XXXX, I called my bank and let them know they needed to do something because it has been over 2 months and this isnt any closer to being resolved. I told my bank what Synchrony bank said, that the money came back to my bank. I asked my bank what the transmittal report shows and they said, the money never came back to my bank. My bank called Synchrony to see what else they needed and I ended up transferred to another department. She apologized and asked if she could help. I told her the story and she put me on hold to read the reports and then transferred me to a supervisor. I didnt get to a supervisor I ended up with their credit card department. This person then transferred me to bill pay department and the agent couldnt help me with everything that I shared but she could update my phone number. I told her my phone number is up to date. She said that somewhere deep into their system its showing a couple old numbers. So, she updated the numbers and filed a complaint. So, an hour and 20 minutes later, my phone number was the only thing fixed.
XX/XX/XXXX, I called my bank again and insisted they fix this! My account is insured. You pay them so this nightmare ends, and you figure out where the money went. The agent called Synchrony to do another 3-way conversation and XXXX, their agent, could see everything that has taken place and couldnt understand why it hasnt been fixed? She read the reports and reminded me that my last call, XXXX XXXX, to them asked me for one or two more bank statements. I reminded XXXX the transmittal report is all you need because it follows the money. I told her that this will never end even if I send one or two more statements. Those statements will not be enough either. XXXX then transferred us to a supervisor, XXXX. XXXX would not approve of my bank recording the conversation so my bank had to hang up. Before my bank hung up, she told myself and XXXX they would fax everything they have over again.
Then there was just XXXX and myself. XXXX could not see any communication after XX/XX/XXXX and could only give me information that I already knew. XXXX told me that the information that was sent, transmittal report, was invalid. I asked her to clarify what invalid meant? She couldnt, so I enlightened her of the history of this missing payment and that Im now at just over 16 hours of phone calls, 3 hours of driving to my office to fax, copy and print documents to send to them, and she can not explain what invalid means. Supervisors should know more than the agent and this call was a waist of time because my bank wanted to discuss what else was needed. She explained that my bank didnt have to hang up that she was just saying she didnt want to be recorded. I asked her to transfer me to XXXX, a previous supervisor I spoke with on XX/XX/XXXX who could see the transmittal report and gave her the extension number and she said, she couldnt do that because they arent set up to do that. People are working from home and all around the world. It doesnt work like that.
I hung up filed a report with XXXX and now with you.
Interestingly enough, I have other Synchrony accounts and all those are fine and theyre getting payments on time with no missing payments, its just this XXXX account. Now my balance on that account is {$140.00}.
|
| 02/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, I purchased a machine and Synchrony Bank financed it. I got the machine and worked with the company ( XXXX ) for 2 months, trying to get the machine to work. It never worked. I had rented a studio to start XXXX XXXX and using this machine. I had even scheduled classes to learn how to operate the machine better. I offered to literally drive the machine from TN to XXXX to get it fixed or exchanged. I was told by a supervisor that they would not allow me to do that and that all sales are final. I told him that all sales final was fine, but that I was sold a brand-new machine that did not work and there were laws to protect consumers from that fraud too. After several calls back and forth, it was agreed that I would send the equipment back. They sent a BOL for the machine and a heat press ( which was given as part of a promotional deal ). However, the contract stated that we had to keep the box for the machine, in case it had to be sent back. It didn't state that we needed to keep a pallet. After contacting the trucking company, we were told that we would have to have a pallet and straps, or they could not get the machine. We purchased a pallet and straps ( as we did not have a banding machine to hold the box to the pallet ) so that it could get sent back. We asked the company tech to help us shut down the machine properly so that we could get the machine back. They did not send the paperwork, so we had to drive back to our home to get a printer and the driver had to help with the logistics team to figure out how to get the machine sent back. We were told that the heat press was not of concern as they were not willing to reimburse us for the pallet, or the straps and we told them if they wanted the heat press they would have to pay for that pallet and straps. So, the bill of laden stated both pieces, but one was shipped the beginning of XX/XX/XXXX.
As of XX/XX/XXXX, I had filed a dispute with Synchrony bank. I submitted all the paperwork and emails to prove that I had done all that was asked of me and that the company had sent me a machine that was defective and refused to take it back or even repair it, even if I was going to drive it to XXXX at the time.
On XX/XX/XXXX, I was notified that Synchrony had favored for XXXX as XXXX had submitted a " professional letter on letterhead '' that said they were repairing the machine and would be sending it back to me at the beginning of XXXX.
Synchrony NEVER reached out to me to confirm any of this, they never asked for more information, they just sided with XXXX on the charge and was telling me I had to pay. I called that day and spoke to a lady and explained that I had sent the machine back the beginning of XXXX and they had no intention of sending it to me. We had not agreed on a repair, we agreed on a return. She suggested that I re-dispute the case as the situation had changed in that I didn't even have the machine anymore.
I got a message in the message center stating that the re-dispute was opened that same day at XXXXEST ( XX/XX/XXXX ). She suggested that I resubmit all the documents again and I did exactly that, along with explanations and proof of all that I stated.
On XX/XX/XXXX, I called Synchrony and asked what the status of my re-dispute was as it had been over 60 days and I needed to get another machine. I had actually planned to use them to get a machine from another company.
However, I got a very young and rude girl who said I did not have a re-dispute and I told her that I had a screen shot of the message center when it was confirmed on XX/XX/XXXX. She said she didn't care what I had, but she would open another re dispute, and I asked her to not do that, I asked to speak to a supervisor. It was late and they were getting ready to leave. The supervisor was very short with me and told me I had no re-dispute and I told him, I have a copy of the letter right in front of me... and asked for his supervisor. I could not understand what was so hard about getting this taken care of. I was hung up on, 2 more times.
I called the next day and found out that they opened another re-dispute and wiped out the one i had filed in XX/XX/XXXX. I was sick to my stomach. I was like, my timeline had to be followed and by XX/XX/XXXX it would be final.
I called back on XX/XX/XXXX and was told by that agent that I had to wait until XX/XX/XXXX to get the final decision, that the deadline was the XXXX. The math made no sense to me, but that is what she kept saying. So, I called back today and spoke with a supervisor named XXXX. She told me that I would have to now wait until XXXX for a final answer on the dispute.
She said they had a glitch in their system and that all disputes were lost in XXXX so there was nothing that could be done. I asked how that was fair to me to have this hanging over me still, and I had summited all that documentation and done everything they asked of me.
She literally told me that they had very little from me, it was all gone. However, she said, to be honest, if they have a policy that they don't do refunds, we will probably favor for them anyway. I was like, WHAT? You mean they take the machine, I have no merchandise, so now I can't even go to court with them as I have nothing in hand to show it is defective... ..and you are telling me that if they have a no refund policy, you are going to hold me accountable for over {$25000.00} for a piece of equipment you know they have and I don't. She said, yes. We don't really look at the case stuff, we just look at the company 's policy. I was like, hang on, I am a merchant and I sell things and have a no refund policy. But if the client charges something back and it is defective or they sent it back, they have always favored the customer. How can you charge me for a machine that the company stated they got in XXXX, never sent it back, nor can show ANY communication with me from that time to current date, and you are going to make me pay for this equipment. What is the purpose of me disputing with you then, if you are not going to look at the facts? I don't have this machine .... does this company sell things, take them back and then you get the money for this equipment anyway and pay them? Is that not fraud? She said it so matter of fact and implied that I would waste my time submitting things because they were only going to look at the policy of the company, regardless of the machine not being even in my possession for over 4 months now and never being able to be used ONCE!
The following files are submitted ( with the short explanation of why these documents ). I have a lot more, but I choice the ones that show the most prevalent things to this situation. I feel that Sychrony is protecting XXXX as they send a lot of business their way. It makes me frustrated and concerned that XXXX is not the only party to this bait and switch fraudulent activity. Synchrony is a large bank with many companies throwing financing at them. I am sure I am not the only that has dealt with this situation, but I may be one of the few that follows up with it to help others in the future, as well as getting this resolved for myself.
**the XX/XX/XXXX ( pt 1 and 2 ) request to dispute with a list of all the documents I submitted to back up my case.
XXXX cancel = stating that we requested we exchange or get this machine fixed and denied so we canceled classes for the machine.
XXXX training stating that I had information and links and such for my machine in my portal.
**the portal shot last month, with NOTHING in their ... .as if I had no equipment with this company at all. This just proves my point that was no intention of a repair, or my portal would have my training links and equipment information. There is nothing in there anymore, as you can see.
XXXX documentation 1 - shows that at XXXX on XX/XX/XXXX I was noting that I received a notice that my case was closed because XXXX stated that they were repairing the machine and sending it back to me.
**Message to Synchrony = message showing that at XXXX on XX/XX/XXXX, I was questioning why they sided with XXXX when I had proven everything I had stated and literally NO one from Synchrony had contacted me about any questions or anything. I had literally submitted information to them the week before that, as I had just submitted the dispute the week before. There was no time to really review anything, and statements made from XXXX did not even MATCH what they were stating.
**I called back and found someone at Synchrony that actually was nice and listened. She suggested I re-dispute since XXXX stated they were sending the machine back the beginning of XXXX and it was almost a month later and not one correspondence or anything. I told her they had no intentions of sending the machine back.
**BOL - please note that they were requesting the machine AND THE HEAT press because they were not repairing but they were wanting their machines back.
**re dispute screen shot - showing that Synchrony did open a re-dispute case with me at XXXX that same day on XX/XX/XXXX.
**The bottom of the " professional letter '' from XXXX to Synchrony that stated that they had the machine in their possession They also stated that it was being " repaired '' and the " few conversations from the ticket showing the customer agreed to the repair and is aware this if fully repaired and will have it back the beginning of XXXX. '' However, please note that the conversation on my end is how to I assure this is shut down and packaged properly. On their end, our logistics team will provide the pickup information, here is the RMA and the scheduled pick update. There is NOTHING from either party that used the word repair or even indicated that it would be picked up and when repaired, we will reach out to you .... or we will repair and then call to send back. NOTHING. Again, the BOL was submitted for both the heat press and machine. We would have sent both, but they did not want to pay for packaging, pallet and straps for the heat press. It was worth the cost for that on the machine, and we wanted our money back. But the heat press was damaged and worthless and there was no fee or cost for that machine from XXXX. Even they weren't willing to pay for the extra to get it back to them.
XXXX XXXX response to me being so upset. I had called in on the XXXX because i had a credit alert to being over the limit on a card. I knew I was not, so I saw that it was Synchrony reporting and I called. I was in a re dispute and they were reporting me? I talked to a girl there that told that I was not in a dispute but she would file one. I asked her to not do that, as I was in one. But I found out she did and wiped out the old one.
**response on XXXX - with regard to getting hung up on and finding out that, as many told me, there was nothing that could be done about the case, it had been resubmitted and it would go from there.
|
| 10/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/2023, I placed an order for furniture on the XXXX XXXX XXXX website. The order # XXXX was assigned to the furniture I wanted, and the payment was successfully processed using my Synchrony PayPal MasterCard for the amount of {$2300.00} that day it was charged.
On XX/XX/XXXX I contacted the seller via chat to inquire about shipping time and dates on their website XXXX XXXX XXXX and did a virtual chat with a representative stating that it would take 3 to 5 business days for tracking information. Note : I did screen shot that conversation to fax as requested to the dispute team for PayPal MasterCard.
On XX/XX/XXXX, I initiated an open claim to do a chargeback with Synchrony PayPal MasterCard for the amount reasons for not receiving merchandise at that time I did not want to pay interest or pay for product not received yet. In response, PayPal promptly placed the balance on hold, relieving me of any obligation to make payments or incur fees for interest during this process. And to note I found out later in XXXX I was not aware that they put it in as a dispute instead of chargeback.
On XX/XX/XXXX I have not received the tracking information from seller XXXX XXXX XXXX for the furniture I wanted and by this time PayPal MC has charged my credit card again for the amount which was a disappointment to me considering I have not received the furniture yet. So, I contacted Synchrony PayPal MasterCard to put in another chargeback until I received my furniture, and this turned into a dispute that PayPal MC representative put in for me And I was fine with that considering I had not received any tracking information or any email updates from this seller.
I think at the beginning of XXXX, I contacted synchrony PayPal MasterCard again just to get updates on when I will get a refund for this because I have not received any information or updates from the seller. At this time PayPal MC wanted me to give the seller 40 days to send my furniture. The dispute team representative for synchrony PayPal said they got this off the website which I thought was strange that PayPal did not even contact the seller about tracking info with numbers or when I can receive product. To my dismay PayPal MC reinstated the funds to the merchant, which left me disappointed. However, I decided to exercise patience and wait for the full 40-days from the time of purchase timeframe as requested.
By this time, I had to keep putting in disputes so I would not be charged an interest fee and a monthly payment until I receive merchandise.
Again, I received my bill from synchrony PayPal MC asking me to pay a portion of the amount charged for the furniture that I have not received yet. I find this very disheartening to pay for something I have not received yet and have to pay a bill for. I did call PayPal MC to inform them that I will be putting in a dispute for the seller XXXX XXXX XXXX after the 40 days that PayPal MC requested me to wait for not providing tracking information and not delivering on their promise to send me merchandise that I am being charged for if they have not sent me tracking after the 40 days.
On XX/XX/XXXX I initiated a chat conversation with XXXX XXXX XXXX to address the prolonged delay in my order. During the chat, I communicated to the representative that the order had surpassed the 40-day policy and requested a full refund due to seller not holding up there in after the 40 days, along with a full refund. To my surprise, the merchant informed me via chat that they had already canceled the order, and that they did not receive funds for PayPal MC Instead, they indicated that the funds were held by PayPal Mastercard, suggesting that I should contact PayPal directly to facilitate the process of obtaining a complete refund. Note : I did screen shot that conversation to fax as requested to the dispute team for PayPal MasterCard.
On the same day XX/XX/XXXX I contacted PayPal MasterCard to inform them that the merchant stated that they did not have my money refund and funds were held by PayPal and that they were not going to send product because of the initial dispute that was put in on XX/XX/XXXX I informed them that I did not put in a dispute I only put in a charge back that was PayPal MasterCards dispute team addressing the situation and not correctly categorizing my discernment with pain with a chargeback instead they put it as a dispute instead and that was not my fault I was not intending on canceling my purchase at that time I was intending to let PayPal know that they shouldnt charge me for merchant that I have not received yet.
In XXXX, By this time I had to keep putting in for disputes with PayPal dispute team to correct the situation and give me back my funds that they are holding from me.
On XX/XX/XXXX I contact the seller XXXX XXXX XXXX support via chat that for the past three months, I have been engaged in ongoing correspondence with both XXXX XXXX XXXX 's support team via chat and PayPal MasterCard and during a conversation with XXXX XXXX XXXX support, it was revealed that the furniture was not shipped due to a dispute I raised with PayPal. I must clarify that I initiated the dispute after waiting for more than 40 days for the furniture to arrive, which I believe is an excessively long duration for such a purchase. I informed PayPal MasterCard of this because PayPal MC said seller shipped Merchandise to me but yet I dont have tracking or nor did I sign for anything of the sort and that I owe {$2300.00} And I inform PayPal that I did not receive nor signed my signature for that furniture.
On XX/XX/XXXX, After I contacted the seller again XXXX XXXX XXXX by email and stated the same thing I reached out to PayPal MasterCard to let them know that the seller XXXX XXXX XXXX claimed they didn't have the money funds either from PayPal MC. The seller XXXX XXXX XXXX also said they wouldn't send the product due to an issue that started on XX/XX/XXXX with a dispute. I clarified to XXXX XXXX XXXX the seller that I didn't file a dispute but rather a chargeback during that time because PayPal had already billed me for this merchandise, and I did not have the merchandise in my possession. PayPal MasterCard 's dispute team mislabeled it as a dispute, which was not my intention because I put in for a chargeback during that time in XXXX. I just wanted to inform PayPal MC that they shouldnt charge me for a product I hadn't received yet and to put it as a chargeback. Now Im believing that this led to a chain reaction leading to no merchandise sent and PayPal still holding funds on both ends.
In XXXX, I found myself in a situation where I had to initiate another dispute with PayPal MasterCard. This became necessary because I wasn't receiving any assistance from them, and my credit card still carried a balance of {$2300.00} with an impending payment due. Consequently, I had to file a dispute to avoid making that payment. Additionally, I wanted to communicate that the merchandise I had ordered had not been sent, and I was seeking a full refund.
When I contacted PayPal, they informed me that the seller claimed to have sent the merchandise to me, which was not true. To date, I have not received anything, yet I am being billed for a product I do not possess. I requested PayPal MasterCard to provide me with tracking information, but they have yet to do so. They mentioned that they released funds in favor of the seller based on the assertion that I received the merchandise, which is untrue.
Today is XX/XX/XXXX, and I'm still facing the same issue that started earlier this year. I have an update from the seller, XXXX XXXX XXXX. I reached out to them via email today to discuss resolving the situation since Synchrony PayPal MasterCard hasn't taken any action. In the email I left my name and number to contact me again about resolving this situation and in the process of writing this letter to CFPB, I received the sellers call. I did record audio of the conversation as evidence for PayPal MasterCard, showing that the seller didn't send the merchandise.
The seller XXXX XXXX, owner of XXXX XXXX XXXX, informed me that PayPal hasn't released funds to him either. He apologized for the trouble I've been through, and From what I gathered on the conversation that we had he has other funds from buyers being held by PayPal because of this situation, Im guessing he wanted to reach out now considering this is causing him to not receive funds for the other sales being held due to this situation but I do wished and expressed to him that we could have resolved this sooner with only him having funds held up for just me not others that use PayPal as a form of credit. He mentioned that he wanted to resolve this through PayPal as well but they are giving him the run a round as well as myself And he mentioned that he wanted a restocking fee which I informed him that I did not cancel my order I just never received shipping information in PayPal and their neglect didnt relay information to him or myself about both parties I myself did reach out several times about shipping to them and I informed him I have not received any information on his side until now because of money held up for other purchases he wants to retrieve. I mentioned that the problem might have originated from PayPal categorizing it as a dispute instead of a chargeback, which set off a chain reaction that PayPal didn't rectify on either end.
The seller has confirmed that he doesn't possess the funds he initially claimed, and I have yet to receive my full refund of {$2300.00} from PayPal MC. In my view, a fair resolution would involve me receiving my complete refund from PayPal MasterCard. Additionally, I believe PayPal MC should not charge credit card unless seller have tracking info with dates and maybe PayPal covers any fee for seller, as my intention was to acquire the merchandise. Unfortunately, circumstances have led me to purchase alternative furniture, rendering the items he has on hand unnecessary.
I apologize for the length of this letter, and I tried to put the dates in as close as possible to when I remembered them and some of the record keeping I have saved to convey the ongoing nature of this issue. Managing everything has been quite challenging, especially given that it's been nearly six months of dealing with this situation. but I wanted to provide as much detail as possible. I hope that this information can assist in resolving the issue between myself and the seller, as well as our ongoing situation with the credit card company Synchrony PayPal MasterCard. I look forward to hearing from you soon and am hopeful that you can provide assistance in this matter.
PS I tried to attach all the documents I could find to help me and I could not upload the audio due to audio file to large.
Thank you, XXXX XXXX XXXX XXXX XXXX
|
| 11/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened my Synchrony accounts on XX/XX/XXXX of 2023 after I spoke with an agent both online and over the phone to review their account management regulations. I informed the agent that I would like to deposit {$50000.00} over the next month, and will require close to {$10000.00} in the first month to pay for an upcoming business expense. The agent said this shouldn't be an issue, and claimed that I am allowed to make both withdrawals and deposits in any amount up to {$250000.00} without any problems. However, ACH transfers could take XXXX business days, while wire transfers would take up to XXXX business days. I was told how they were known for their seamless transactions, and I should open an account right away to take advantage of their high APY rates they had at the time for their High Yield Savings account.
On XX/XX/2023 - XXXX attempted to pay {$9000.00} from the total balance of approximately {$45000.00} from my account to my XXXX XXXX credit card, in order to pay for a business expense, as I notified Synchrony Bank in XXXX.
After making the attempt to pay XXXX XXXX on XX/XX/2023, my account was frozen within the next few hours, and I was given restricted online access to my account to view the account activity, but was blocked from moving or accessing any funds whatsoever.
I contacted Synchrony Bank immediately and spoke to an agent for XXXX minutes, to request that account restrictions be lifted, and to ask the reason for the account being frozen. They told me that they could not provide any information to me as only the back office had control over account accessibility, but that the account restriction will be lifted within XXXX business days, as that was standard procedure. I was told there is no way for the customer service agents, management or consumer ( me ) to be able to contact the back office as they have no phones. The agent informed me that a request to remove account restriction would be entered, and I should await the processing of the request.
On XX/XX/2023 - I was told by all my linked institutions ( accounts linked from other banks to my Synchrony Bank account ) that Synchrony Bank removed all linked accounts and denied the transfer of {$9000.00} that was previously approved. This ensured that money can not be moved out of Synchrony, and any future payments I had set up on auto pay would be denied. I spoke with Synchrony customer service during a XXXX minute call, in which I was told that the account restriction would be lifted the next day. I was once again told that the agent has no idea why my account was frozen. I informed the agent that I lost a business deal due to their cancellation of my transfer request to XXXX XXXX, and so I would like to close my account, when it would be accessible the next day. The agent suggested that should be no problem to do so, but to move my funds all into one account, and transfer the money out via wire transfer if I am in urgent need of the funds ( as compared to an ACH transfer ), prior to closing the account. I was also told that I need to call customer service in order to request a wire transfer and closing of the account the next day.
on XX/XX/XXXX morning, the account restriction was removed. I called Synchrony customer service at XXXX for a total of XXXX minutes, and requested the wire transfer of all my funds to my personal checking account with XXXXXXXX XXXX ( {$45000.00} ) and requested the closure of my account, as recommended by the customer service agent the previous evening. The agent on the phone informed me that the wire transfer had been completed and that my account would be closed, as per my request. He told me I could call back in ten minutes to double check that the account was closed. I called back at XXXX and over a XXXX minute call, was informed that the account closure was still in process, but that the wire transfer had been completed. I again called at XXXX XXXX for a period of XXXX minutes during which time I was informed that I should try back in a few hours, as the account closure request was still processing. In the late afternoon, I tried to log into Synchrony banking online to check the status of my accounts, and received a notification that my accounts were frozen, and my wire transfer was canceled by Synchrony Bank. Additionally, I now had XXXXero online access to my accounts, and was unable to get past the login screen ( where a number had been provided for me to call ). I called the given phone number at XXXX XXXX, for a total call duration of 46 minutes and spoke to two representatives. The first one told me she has had no idea why my account was frozen, and didn't understand why my wire transfer had been canceled, but that again, only the back office would know, and no one is able to contact them within the company. She told me the account restriction would be lifted in three days. I was transferred to another lady who told me that that she didn't know why my account was frozen, and connected me to the on call supervisor. The on call supervisor told me that her manager would be the only one who could contact the back office to try to find out why my account was restricted, but her manager was not available for the day. She said no one outside of her is available to speak to me, and that she had no ability to contact the back office. She also informed me that even though I have been told that the account restriction could be lifted again in 3 days, they reserve the right to freeze my account at their discretion for up to 60 days. She offered to have her manager call me back the next day ( on Friday XX/XX/XXXX ), and told me she sent an email to her manager to inform her of my situation and guaranteed I would receive a call back the next morning.
I never heard back from anyone on XXXX XXXX XXXX.
I called customer service again on XX/XX/XXXX, and over a ten minute call, I was told that they have no record of me requesting a manager to call me. Additionally, that the account restriction will be lifted by XX/XX/XXXX, as the agent put in a request to have the account restriction removed.
The restriction was not removed.
I called customer service on XX/XX/XXXX ( XXXX min call ), and explained the urgency of my situation and the lack of information being provided to me. The agent informed me that someone accessed my account from the back office on XX/XX/XXXX, and assured me that someone was working on my account. I was advised that three business days would be required to remove the account restriction, and to check again on XX/XX/XXXX.
The restriction was not removed.
On XX/XX/XXXX, I received an email that my account is active again. I attempted to log into my online banking, and was blocked once again. I called customer service and over a XXXX minute call, I was informed that the account restriction was not removed. She told me that the email was sent to me in error. However, she said she would speak to her manager and the back office to get me answers. I confirmed with her that the back office is able to be contacted by the manager, and requested that they tell me why my account has been frozen and what information do I need to provide to speed up the process of removing the account restriction. She informed me that someone from the back office was in my account working on it, and to call back the next day.
The restriction was not removed.
On XX/XX/XXXX, I called customer service to tell them that nothing had changed, I still had no access to my account in any way, and was not even being provided statements. They told me they couldn't provide any information, but that they would put in another request for account restriction to be removed, which I could check on the next day up to three business days later.
On the same day, I received a letter in the mail that was dated XX/XX/XXXX, stating that they are conducting a review to verify recent activity on my accounts, and they have placed a temporary restriction on the Savings account until they can confirm the details for the activity.
The restriction was not removed.
On XX/XX/XXXX, I spoke to customer service for XXXX mins and explained that I received the letter, and would be willing to provide any information they wanted, to prove the activity on the account was legitimate. They told me they noted that I have been calling, and the account is being worked on by the back office and that I am not allowed to provide any information at that time, but that they were hoping it would be done by XX/XX/XXXX.
The restriction was not removed.
On XX/XX/XXXX, I called customer service for a total of XXXX mins, in which they said that the restriction would not be removed by the XXXX. However, they would enter a new request to have the restriction removed. Additionally, I was told that with XXXX XXXX weekend coming up, I would have to wait for three business days post XXXX XXXX, in order for the request to be processed.
By XX/XX/XXXX, the restriction was not removed.
I called on XX/XX/XXXX for XXXX minutes, to request a status check to see if anyone was still working on my account. They said no one was currently working on the account, but they could put in a request to remove the account restriction, so the back office will look at the request and continue working on it. I was told to check back in 3 days.
The restriction was not removed.
On XX/XX/XXXX, I spoke to customer service for a total of XXXX minutes. I was told by the representative that even though Ive been told XXXX business days multiple times, it is up to the discretion of Synchrony bank to freeze my account. I told them once again, I would provide any information necessary to prove my activity on the account was legitimate. I was told that no information was required from me, and that every time I call, they will reset the timeline, so that it the account can be frozen from XXXX to 60 days. Additionally, that Synchrony bank does not have to release my funds even after 60 days because it is written in their account terms that they can withhold access for any amount of time. I asked to clarify what that meant, and if it also meant that Synchrony Bank could withhold my funds from me indefinitely. The agent said I should wait 60 days, but that yes, potentially Synchrony Bank has the ability to withhold funds for 120 days, years or indefinitely.
It has now been 90 days since my account was first restricted from any access. As it is an online bank, my funds can not be accessed, I have no one to speak to as the back office can not be contacted even by management at Synchrony customer service. I also am not allowed to receive statements for my accounts with them. Prior to requesting account closure, I took a screenshot of my balances and currently have {$45000.00} between my two accounts.
|
| 04/09/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : I am writing to dispute incorrect information in my credit file, which you furnished to credit reporting agencies. On, XX/XX/XXXX I received a copy of my credit report from 3 credit reporting agency. That report included the following information, furnished by you : SYNCBXXXX XXXX Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureau 's Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies.
This negative mark is damaging my credit. Please promptly contact XXXX XXXX and XXXX ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.
Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Sections 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. section 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute From Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute From Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
The CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for businesses and the full text of the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C. section 1681 et seq. : Section 602 15 U.S.C. 1681 Section 603 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 605A 15 U.S.C. 1681c-A Section 605B 15 U.S.C. 1681c-B Section 606 15 U.S.C. 1681d Section 607 15 U.S.C. 1681e Section 608 15 U.S.C. 1681f Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Section 626 15 U.S.C. 1681v Section 627 15 U.S.C. 1681w Section 628 15 U.S.C. 1681x Section 629 15 U.S.C. 1681y
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| 09/10/2022 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I am filing a complaint against XXXX XXXX XXXX, XXXX for violating the Fair Debt Collections Practices Act ( FDCPA ). Today I received in the mail a letter from XXXX XXXX XXXX dated XX/XX/2022, regarding my account ending in XXXX and advising me that this letter serves as notification the effective XX/XX/2022 XXXX XXXX XXXX has placed your account with XXXX XXXX XXXX, XXXX. for servicing. This letter also states their records show that my account has an outstanding balance that has not yet been resolved. This letter indicates my account being placed with XXXX XXXX XXXX on XX/XX/2022, but the letter does not indicate anywhere where I have 30 days to dispute this alleged debt. Under the FDCPA Section 809 Validation of debts it states that the debt collector must provide a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, any portion thereof, the debt will be assumed to be valid by the debt collector. This statement is nowhere stated on this letter dated XX/XX/2022, which is a clear violation of the FDCPA.
But here is where things get crazy because I previously received a letter dated XX/XX/2022, advising me that my account has a new home with XXXX XXXX XXXX, XXXX as my account ending in XXXX ( Reference ID : XXXX in the amount of {$5000.00} ) had been sold on XX/XX/2022 and the new owner is XXXX XXXX XXXX. Also states in this same letter that effective XX/XX/2022, XXXX XXXX XXXX placed your account with XXXX XXXX XXXX XXXX for servicing. On page 4 of this letter dated XX/XX/2022, it states how you can dispute the debt? I could call or write to them by XX/XX/2022, to dispute all or part of the debt. If you dont, we will assume that our information is correct. It also states in this letter that if you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents.
I also received a second dated XX/XX/2022, advising me that my account has a new home with XXXX XXXX XXXX, L.P. as my account ending in XXXX ( Reference ID : XXXX in the amount of {$8300.00} ) had been sold on XX/XX/2022 and the new owner is XXXX XXXX XXXX. Also states in this same letter that effective XX/XX/2022, XXXX XXXX XXXX placed your account with XXXX XXXX XXXX XXXX for servicing. On page 4 of this letter dated XX/XX/2022, it states how you can dispute the debt? I could call or write to them by XX/XX/2022, to dispute all or part of the debt. If you dont, we will assume that our information is correct. It also states in this letter that if you write to us by XX/XX/2022, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents.
On or about XX/XX/2022, I sent a letter to XXXX XXXX XXXX, XXXX., disputing my account ending in XXXX and with Reference ID : XXXX in the amount of {$5000.00} and a second letter to XXXX XXXX XXXX, XXXX., disputing my account ending in XXXX and with Reference ID : XXXX in the amount of {$8300.00} with both letters in same envelope were mailed via USPS Priority Mail with Tracking Number XXXX which shows this envelope being delivered to XXXX XXXX XXXX, XXXX on XXXX XXXX at XXXX in XXXX XXXX SC XXXX. A few weeks later, I received 2 letters dated XX/XX/2022, from to XXXX XXXX XXXX, XXXX regarding both above mentioned accounts has initiated a review of the inquiry recently received. They failed to acknowledge that I was in fact disputing both of these accounts. XXXX XXXX XXXX, XXXX has yet to provide me proof of debt on either of the above-mentioned accounts. Again, I have the right to request verification of my debt ( s ) within 30 days. This period is sometimes called the XXXX XXXX. After XXXX XXXX XXXX, XXXX received my dispute letters dated XX/XX/2022, they must have stopped all attempts to collect this debt from me which they failed to do so also violating the FDCPA. XXXX XXXX XXXX, XXXX continued to call and leave voice-mail messages and on a daily basis sent me collection notices via email as these actions are also a violation of the FDCPA.
XXXX XXXX XXXX, XXXX also is not allowed to list both of the above-mentioned debts on my credit report after receiving my dispute letters. XXXX XXXX XXXX, XXXX did the opposite as both the above mentioned debts were not reported on my credit reports until after they received both my dispute letters, then XXXX XXXX XXXX, XXXX reported both the above mentioned debts on my credit report which is also not only a violation of the FDCPA, but by reporting these disputed debts to the 3 major reporting credit agencies, caused my Credit Score to seriously plumet so insurance companies have taken advantage of my lower credit score by increasing my insurance premiums by at least 25 % which is not right! I strongly believe I should be financially reimbursed by XXXX XXXX XXXX, XXXX for their actions not only violating the FDCPA, but also for negatively impacting my credit reports and credit scores.
Apparently, a debt collector such as XXXX XXXX XXXX, XXXX, can take as long as they want to respond to my letter request to validate both of my above-mentioned debts. Most debt collection agencies normally respond within either 1 to 30 days or they never respond when they cant in fact validate a debt. I strongly believe that XXXX XXXX XXXX, XXXX. cant prove the validation of both of the above-mentioned debts which is why XXXX XXXX XXXX XXXX XXXX never sent me proof supporting that I in fact owed both debts mentioned above. Instead of XXXX XXXX XXXX, XXXX sending me proof of my above-mentioned debts or acknowledge the fact that I am disputing the same above-mentioned debts as well, XXXX XXXX XXXX, XXXX , is trying to erase the fact that I have sent debt validation letters not only requesting validation of the above-mentioned debts, but also the fact that I was disputing both above mentioned debts as well. I strongly believe that XXXX XXXX XXXX, XXXX is trying to erase both my letters dated XX/XX/2022, in regards to both the above-mentioned debts is XXXX XXXX XXXX XXXX XXXX can not provide proof that I in fact owe both the above-mentioned debts. The way XXXX XXXX XXXX, XXXX is trying to erase my previous letters is by trying to start the entire debt notification process over again which should also be a violation of the FDCPA. Proof of this action is in XXXX XXXX XXXX, XXXX. letter dated XX/XX/2022 which against states that this letter is notification that effective XX/XX/2022 and not XX/XX/2022 as originally stated in the letter dated XX/XX/2022, that XXXX has placed my account with XXXX XXXX XXXX, XXXX. for servicing. This letter dated XX/XX/2022, also states that because my account has not been resolved, it has now been moved into a six-month accelerated prelegal collections track. This letter also states this track is the last stop in collection efforts before the account is considered for referral to an attorney. This letter also states that if I do not establish a plan with. XXXX XXXX XXXX, XXXX to resolve my account ( s ) before the end of the prelegal track, it may be forwarded to an attorney to review for possible lawsuit. Again, this letter does not give me the opportunity to dispute this debt, which is again a violation of the FDCPA, but this letter does not mention the previous letter that was sent by XXXX XXXX XXXX, XXXX dated XX/XX/2022. I believe the reasoning behind this is they can not in fact validate either of the above mentioned debts and XXXX XXXX XXXX, XXXX is now trying to intimate me into establishing some type of payment plan with. XXXX XXXX XXXX, XXXX in order to avoid a possible lawsuit against me which again is not right. I sent 2 dispute letters dated XX/XX/2022, to XXXX XXXX XXXX, XXXX. advising them to provide proof I owe these debts as well as the fact I was also disputing both of these debts with providing documentation to support my disputes. XXXX XXXX XXXX, XXXX acknowledged the fact they received my letters dated XX/XX/2022, with their letters dated XX/XX/2022, but these same letters did not mention the fact I was disputing both of the above-mentioned debts. I also strongly believe that XXXX XXXX XXXX, XXXX. letter dated XX/XX/2022, violates several sections within the FDCPA. I also strongly believe that the date for XXXX XXXX XXXX, XXXX provide documentation to support the XXXX above mentioned debts ended on XX/XX/2022, when XXXX XXXX XXXX, XXXX sent me a letter dated XX/XX/2022 which clearly states that this letter will serve notification that effective XX/XX/2022 XXXX XXXX XXXX has placed my account with XXXX XXXX XXXX, XXXX for servicing which implies that XXXX XXXX XXXX, XXXX just received this account as a new account which is not true according to the later dated XX/XX/2022 from XXXX XXXX XXXX, XXXX which advises that XXXX XXXX XXXXXXXX XXXX had my account placed with them back on XX/XX/2022 and not XX/XX/2022. So far, I have only received 1 letter dated XX/XX/2022, regarding both the above-mentioned accounts from XXXX XXXX XXXX XXXX XXXX, as they previously sent me 2 letters dated XX/XX/2022 & 2 letters dated XX/XX/2022, so I am assuming I will either be receiving a second letter date XX/XX/2022, or it may have been lost in the mail.
To me this is serious fraud and XXXX XXXX XXXX, XXXX should be forced to not only cease and desist on collecting both above mentioned accounts, but also be forced to have both above mentioned accounts be removed immediately from the 3 major credit reporting agencies. I strongly believe I should receive some type of financial compensation for the damage that XXXX XXXX XXXX, XXXX has done to my credit scores which has caused me financial harm as an example would be insurance companies have increased my annual premiums as a result of my lower credit score which was caused by XXXX XXXX XXXXXXXX XXXX when they reported both the above mention accounts to be reported as collections status with all 3 of the major credit reporting agencies. I would greatly appreciate it if your federal agency could follow up with the 3 major credit reporting agencies to make sure XXXX XXXX XXXX, XXXX has removed both above-mentioned accounts from all 3 of my credit reports. Thank you very much in advance for your assistance.
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| 06/24/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Synchrony Bank is trying to sue me in a highly suspicious bully move. I have an account with them that I have been paying through their collector, XXXX XXXX XXXX. The account entered collections about two years ago and I've been trying to pay little tiny bits of it just to keep it semi-alive and avoid the situation where we've arrived. Synchrony has made no attempts to contact me or demand more from me. The last contact I ever had with them was the original debt letter sometime around XXXX.
If nothing else, this is a bully move that will only result in a bankruptcy filing if it continues any further. They're trying to sue someone with nothing left to give them. I share a house in my mother's name, and she's close to XXXX XXXX XXXX living off social security. I live almost paycheck to paycheck with a little wiggle room of a XXXX XXXX XXXX each month, and that's going to shrink more as soon as student loans resume. The biggest piece of property in my name is my XXXX XXXX, which is financed until the end of XXXX. The only other big thing I own is a 401(k) split between 10 funding sources with around XXXX saved up, but I have no intention on touching that for the next three decades.
Part 1 of my complaint. The following things Im going to say are NOT something Im blaming Synchrony of doing. Ill just try to provide some context to how things arrived at their current state.
Dad died from XXXX XXXX in XXXX. Mom and dad have been divorced since I was about XXXX, and the family picture has been weird, to give you the very, very, simple version. Starting from the end of XXXX, stepmom (and whoever else was encouraging her) was doing some VERY criminal things just to play games with me. Withholding info about dads life insurance in XXXX, and then saying Duhhh I forgot. Committing probate abuse / financial fraud / SOMETHING in early XXXX where she staged a fake paperwork fiasco that delayed the annuities dad left me and my brother for an extra month. The month AFTER her underhanded annuity hijinks, someone with access to my then-current XXXX XXXX went on an online shopping spree for fancy ladys shoes and cosmetics gift cards. I know she had access to that account number because I gave it to her in an attempt to help her with the plane tickets to the funeral. She would also have access to my SSN from my dads records (Keep this detail in mind. Its going to come up later!)
Dad wanted us to all be a happy family together. I was there at his bedside six weeks before he died when he said it to me. He was so happy, all things considered. Now NO ONE on his side related to me legally or biologically will say a PEEP to me!
The Michigan probate attorney who originally handled the process in XXXX XXXX XXXX XXXX, turned out to be a totally corrupt clown who shouldnt be trusted in any kind of legal practice. In XXXX, I was frantically sending out inquiries to ever probate/family attorney I could find near dads district. XXXX replied to one of them by setting a phone conference where HE called ME. We talked for about half an hour while he tried to play pretend-therapist. But the problem with him is, he never sent out probate notifications my brother and I were legally required to see as interested parties written in dads will. When I reported this to Michigan Attorney XXXX XXXX later in XXXX, XXXX wrote a long-winded legalese response to the Commission were he completely lied and said he never called me. Afterwards, he sent me a final email where all he said was Have a nice life! Other lawyers from that district have told me the legal timeline on the original probate could still be open right now because the original forms were never properly served. At the end of the day, XXXX is partially or wholly responsible for setting in motion the Dont give an XXXX attitude my family has used in everything theyve done toward me ever since. His job was to explicitly PREVENT something like this, and then he practically laughed in my face about it!
Heres where it gets overwhelmingly creepy: There is a local car dealership in XXXX XXXX PA, XXXX XXXX (now apparently XXXX XXXX that was messing with my car GAP insurance in late XXXX and early XXXX. If you ask them about it today, theyll tell you Oh but we were so prompt and courteous when we were handling XXXX XXXX paperwork. Well, I dont know what alternate dimension theyre living in these days, because I have the whole e-mail chain from their finance lady XXXX XXXX showing thats absolutely untrue. She was lying to me constantly. She was delaying things. When I finally got the Pennsylvania AG Consumer Protection involved mid-way through XXXX, she sent the paperwork in for the second time or the third time, and I magically had my missing insurance refund about a month later.
I can almost guarantee you she NEVER sent in the paperwork to the insurance company until it became a legal complaint. She was lying, and dragging me along, and testing me the ENTIRE TIME. Why did she do that? Who put her up to it? Im NEVER allowed to know! I did eventually receive the small refund amount that was due to me, but XXXX XXXX was still committing some form of insurance fraud and consumer abuse for six months before that. Now they keep spamming me with physical ad mail that Ive told them repeatedly to stop, and they ignore me. And Ive opened new complaints through the AG telling them to stop the mail, and they ignore those too. Now the local XXXX XXXX Police are involved.
When we got to around XXXX XXXX in the car insurance fiasco, XXXX started using COVID as an excuse in her e-mails explaining why everything was taking so long. Thats the moment my brain said Enough is enough and I got the AG involved.
I have an uncle on moms side who died from COVID at the end of that year. He was a retired fire fighter. Thats a GREAT association thats always going to be on my mind!
Somewhere out there, in the realm of hypothetical lawsuits I could file if I ever truly knew what was going on, is an accumulated sum of dollar signs. And Im betting more than one person owes me some jail time. Whether the problem is dads will was never valid in the first place, or it was all the crime and fraud and the abusive gaslighting and the online trolling that happened in the years afterwards, Im being illegally blocked from accessing SOME amount of money. What is that amount? How many different people owe me something? I have no way of knowing, and I have no way of even trying to estimate.
For the longest time in XXXX to XXXX (before EVERYONE on dads half of the family just completely turned me into a non-person), I would be at my wits end over this credit card / identity theft stuff, and the ONLY response Id sometimes get back is someone saying But the will was valid! When Im not even talking THE WILL! What does the will have to do with this? If dad were still alive, and he saw how these fine folks were treating me, the will wouldnt even EXIST in the form it was executed. THATS how the will factors into this! Its waste of time arguing anything else about it!
My family members have been doing everything in their power to financially rob me since at least XXXX. The debt situation were now arguing about didnt start snowballing until XXXX when I needed to take out bigger consolidation loans and traded in my XXXX XXXX for a cheaper XXXX XXXX (which lowered my monthly loan payments by abouXXXX XXXX AND triggered the GAP insurance fiasco at XXXX XXXX).
Ive got a few new words to say to this car dealership as soon as I finish writing this report. Im currently in a middle of a police case for NEW mail they keep sending me even after I keep telling them to stop that, and I opened a NEW AG case against them on XXXX XXXX Weve almost reached the deadline the AG gave them, and it doesnt sound like theyre responding to anyone.
Part 2 of my complaint. The following thing Im going to say IS directly related to Synchrony, and its where the suspicious part of my complaint comes into play.
This is a recap of the past six months alone: In XXXX someone with access to my SSN fraudulently ATTEMPTED (and failed) to open a rewards credit card at XXXX XXXX in my name. In XXXX, someone fraudulently DID open a rewards credit card at the same bank and mailed it to me. In XXXX, someone tried to open an online deposit account at Bank of America. In every case, it was someone who applied for the accounts and then had all the account welcoming info sent to my physical address or my XXXX account. Ive been working with the local West Hills police for the past three months, but the leads are narrow, to say the least. I cant send them to arrest a phantom.
Last month, ANOTHER debt collector (XXXX XXXX XXXX) violated the FDCPA by trying to call me when they were requested in writing to only contact me by mail or e-mail (so I always have a paper trail). The complaint I submitted to them through the CFPB and the Pennsylvania AG made their current collector instantly give up and spit the debt back to XXXX.
Today XXXX, Synchrony comes into the case with NO warning, NO attempt to contact me nicely, and slams a civil complaint straight through the District Justice office.
When the identity theft started up again six months ago, all I could think was: Is this some crazy family member messing with me again? Because thats the logical evolution of the things theyve done to me in the past. Now that concern has turned into: Was that a bank somewhere that was trying to find out if Im still alive? Or verify my address? By casually committing identity fraud? And now one of them is trying to sue me? Thats a very disturbing and disgusting thought, if theres any truth in it.
Other parties involved in this complaint: Im sending the same report against Synchrony to the Pennsylvania AG and CFPB. I will be contacting XXXX XXXXXXXX XXXX at XXXX XXXX XXXX Police next week to update him about the XXXX XXXX XXXXXXXX XXXX problem. I will call XXXX XXXX. XXXX District office to notify her of my intent to submit my defense on XXXX XXXX. AND I will begin a new frantic search for a debt collection defense attorney, since Im completely alone in the dark right now. Im really nervous everyone is going to just recommend I accept the default judgment and file straight to bankruptcy, which was NEVER my intention here.
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| 01/02/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Synchrony Bank Regarding Account Numbers : PayPal Credit : XXXX XXXX XXXX XXXX Venmo Credit : XXXX XXXX XXXX XXXX TJMax Credit : XXXX XXXX XXXX XXXX Care Credit : XXXX XXXX XXXX XXXX Adverse Actions Synchrony Bank is guilty of : 16 CFR 433.2 15 USC 6802 12 CFR 1016.7 Privacy Act 0f 1974 16 CFR 313 Language Fraud.
I am responding to another Adverse Action by Synchrony Bank for closing another account of mine. No notice, no letter informing me of their action before they act, which is the same actions they have illegally taken against me with all four of my accounts.
In the beginning of XXXX, XXXX, I received my notices confirming my correspondences had been received by both parties. In the correspondence I submitted to XXXX XXXX XXXX, of XXXX XXXX and XXXX XXXX, of Synchrony XXXX XXXX XXXX, I sent three stamped, and endorsed certificates of indebtedness as payment for all three of my delinquent accounts and I have not been contacted by any member of the Synchrony Bank team. My account should not have been closed. If my certificates of indebtedness were not accepted as payment, they should have been returned to me. If there was something I forgot to include in the certificates, again, they should have been returned for corrections.
According to the current 10k form, dated XX/XX/XXXX, Synchrony has had to pay out millions of dollars for illegal practices and it doesnt seem like their illegal or unfair practices are going to cease.
NOTE 13. LEGAL PROCEEDINGS AND REGULATORY MATTERS In the normal course of business, from time to time, we have been named as a defendant in various legal proceedings, including arbitrations, class actions and other litigation, arising in connection with our business activities. Certain legal actions include claims for substantial compensatory and/or punitive damages, or claims for indeterminate amounts of damages. We are also involved, from time to time, in reviews, investigations and proceedings ( both formal and informal ) by governmental agencies regarding our business ( collectively, regulatory matters ), which could subject us to significant fines, penalties, obligations to change our business practices or other requirements resulting in increased expenses, diminished income and damage to our reputation. We contest liability and/or the amount of damages as appropriate in each pending matter. In accordance with applicable accounting guidance, we establish an accrued liability for legal and regulatory matters when those matters present loss contingencies which are both probable and reasonably estimable.
If my payments were not accepted, per CFR3-603 The debt is discharged.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. '' According to the Synchrony Card funding 10k form, ARTICLE IV SECTION 4.1 Purposes. The purpose to be conducted or promoted by the Company is to engage in the following activities : ( a ) ( i ) to purchase, accept capital contributions of or otherwise acquire credit card receivables and other receivables arising in credit accounts ( including interests or participations therein ) ( collectively, the Receivables ) from the Initial Member, its affiliates and any other originator of Receivables and any rights of the Initial Member, its affiliates or such other originators related to the Receivables and any collections, recoveries or other proceeds of the foregoing ( collectively, the Credit Account Assets ) ; ( ii ) to own, hold, service, sell, assign, transfer, pledge, grant security interests in or otherwise exercise ownership rights with respect to the Receivables and other Credit Account Assets ; ( iii ) to issue and sell one or more series of Securities ; ( iv ) to act as settlor or depositor of trusts or other entities or to own equity interests in other limited liability companies or special purpose entities, each of which is formed to issue Securities ( each, an Issuer ) ; ( v ) to acquire, own, hold, transfer, assign, pledge, sell and otherwise deal with Securities and any other securities issued by any Issuer or interests in any Issuer ; ( vi ) to enter into, execute and deliver any underwriting agreement, purchase agreement, loan agreement or placement agreement relating to the sale or placement of any Securities, any sale or transfer agreement, servicing agreement, pooling and servicing agreement, trust agreement, purchase agreement, line of credit, administration agreement, custodial agreement, insurance agreement or any other agreement which may be required or advisable to effect the purchase, sale, administration or servicing of the Receivables and other Credit Account Assets or the issuance and sale of any Securities ( each, a Securitization Agreement ), and to perform its obligations under each Securitization Agreement to which it is a party ; ( vii ) to establish any reserve account, spread account or other credit or cash flow enhancement for the benefit of Securities issued by the Company or any Issuer and to loan, transfer or otherwise invest any proceeds from Receivables and other Credit Account Assets and any other income as determined by the Managers ; ( viii ) to purchase financial guaranty insurance policies for the benefit of any Security issued by the Company or any Issuer ; ( ix ) to enter into any interest rate or basis swap, cap, floor or collar agreements, currency exchange agreements or similar hedging transactions relating to any Receivables and other Credit Account Assets or for the benefit of any Security ; ( x ) to prepare, execute and file with the Securities and Exchange Commission any documents, including without limitation registration statements, including a prospectus and forms of prospectus supplements, amendments to registration statements, Forms 8-K, Forms 10-K, Forms 10-D, Forms ABS-15G, annual reports, letters or agreements, relating to Securities to be issued on a delayed or continuous basis and to register and qualify any Securities under the XXXX XXXX laws of any state or jurisdiction ; 16 C.F.R. 433 the Federal Trade Commissions Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses, 16 C.F.R. 433, commonly known as the Holder Rule. Specifically, you ask the Commission to affirm that the Holder Rule 1 does not limit a consumers right to an affirmative recovery to circumstances where the consumer can legally rescind the transaction or where the goods or services sold to the consumer are worthless As I stated in my first letter, I XXXX XXXX XXXX revoke the Security Interest in ALL four of my certificates of indebtedness I gave Synchrony Bank unaware.
According to CFPB The Equal Credit Opportunity Act ( ECOA ), implemented by Regulation B, makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction on the basis of race, XXXX, religion, national origin, XXXX ( including XXXX orientation and gender identity ), marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.1 ECOA and Regulation B require that, when taking adverse action against an applicant, a creditor must provide the applicant with a statement of reasons for the action taken.2 This statement of reasons must be specific and indicate the principal reason ( s ) for the adverse action3 ; moreover, the specific reasons disclosed must relate to and accurately describe the factors actually considered or scored by a creditor.4 Adverse action notice requirements promote fairness and equal opportunity for consumers engaged in credit transactions, by serving as a tool to prevent and identify discrimination through the requirement that creditors must affirmatively explain their decisions.
Adverse Action was taken against me After I had signed a credit agreement for a specific amount of money, then reduced to another amount several months later. Again, Synchrony Bank has another certificate of indebtedness from me, however, claims to state my " creditworthiness? Is this real?
All securities are backed by the Full Faith and Credit of the United States and my certificates of indebtedness guaranteed Synchrony Bank my signature was profitable.
ALL FOUR Synchrony Bank Credit Card Accounts, have continuously been lowered " after a review of my credit report '' however, why are they allowed to continuously check my credit report, causing another inquiry thus being another reason for lowering my credit score? According to the 10k form from Synchrony Bank, they have securitized my contracts without my knowledge or approval and they have the audacity to lower my credit limits?
Moving forward, I OPT OUT TO ALL PERSONAL AND TRANSACTIONAL Information exposed on my credit reporting accounts.
I will attach my original letters from XX/XX/XXXX. Maybe someone will read it and reply.
I will attach my proof of service for each person I reached out to, as well.
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| 06/05/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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This is in regards to my PayPal Credit account, which is a part of the PayPal " online wallet '' environment/suite of services offered by PayPal. I have been a PayPal and PayPal Credit customer for more than 10 years, and my accounts have always been current.
Early in XX/XX/2020 ( I can not recall exact date ), I accessed my PayPal Credit account using the PayPal Credit website. My goal that day was to adjust the amount of the automatic payments I send every month. I wanted to increase the amount, and I did.
Unbeknownst to me, when a customer adjusts the automatic payment amount in PayPal Credit, the system skips one of the automatic payments. In other words, the revised automatic payment does not go into effect until the following pay cycle, not the current one. Because I was used to my automatic payments, I did not make a manual payment at that time. I " set it and forget it, '' when it comes to my credit card payments. The deadline for the XXXX payment, and the date on which the automatic payments are processed, was XX/XX/XXXX.
On XX/XX/2020, I received a standard monthly statement from PayPal Credit. I typically file these away right away because I am used to my automatic payments. However, the statement caught my attention because now, instead of the {$120.00} I was used to being charged per month, it was asking for {$240.00}. I looked more deeply and saw a late fee of {$28.00} had been assessed, my previous minimum payment was due, and the next minimum payment was due, and in bold red letters the statement said " PAST DUE. '' This was the first I had heard of my account being past due. On XX/XX/XXXX, I received no contact from PayPal that I had missed the payment, nor had I received any message saying my automatic payments had been suspended for that month.
I called PayPal on XX/XX/2020 to discuss this issue. The customer service representative I spoke with, spoke to me in a very bored, uninterested, impatient tone, at one point sighing very loudly into the phone. I explained my situation and she told me PayPal skips automatic payments when customers adjust them. I said this was news to me, as was news that my account was past due. She didn't offer any explanation why I had not been contacted urgently about the missed payment. She offered to refund the late fee, which was the best result of this situation at the time.
However, as a consumer, I do not feel like PayPal is treating me with respect, and if anything, I see predatory practices in place here. So I pushed further and followed up using PayPal 's virtual chat feature on the PayPal website. This chat was a major disappointment in terms of customer service. Both of the representatives I spoke with repeatedly stated that their company does not assess late fees ; yet in my PayPal statement ( see attached ), there is clearly a {$28.00} late fee. Moreover, the customer service representative I had spoke with on the phone earlier said she would refund the fee, which acknowledges that this is indeed a late fee.
Assessing additional fees without urgent notice is predatory. It is lying, it is deliberate concealment, it is gross negligence. And the way my situation was handled by the three different customer service representatives showed no care for my account. I am pasting a copy of the chat transcript below for reference. I want PayPal to change their communication structure - missed payments must be communicated quickly and immediately through multiple channels, and not simply hidden in the general statement. PayPal 's automatic payment system should be updated so that this " skipping '' a month is no longer an issue. Lastly, PayPal should recognize long-term, consistent customers ' loyalty and treat any customer service issues from these customers with utmost care and attention. I received little to no care and attention during my interaction with PayPal employees, and I feel I am owed at least a sincere apology and really should receive a refund for a full month 's worth of credit payments.
XX/XX/2020 PayPal Virtual Agent XXXX XXXX Hi! I'm your PayPal Assistant. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''.
If I can't help, I'll transfer your message to an agent.
XXXX XXXX XXXX XXXX Customer service representative PayPal Virtual Agent XXXX XXXX I can transfer this conversation to an agent. The estimated response time is a few hours.
Our customer service staffing is limited due to the coronavirus ( covid-19 ) crisis. We've put together some useful information in the Help Center to quickly resolve your issue. I'll stay here while you take a look.
After I transfer the conversation, you can close the window and come back to it when its convenient for you. When we respond, well send you a notification with a link to the Message Center where you can reply.
Would you like to transfer this conversation to an agent?
XXXX XXXX XXXX XXXX Yes PayPal Virtual Agent XXXX XXXX Please send us a detailed message below and an agent will respond as soon as possible. If you have a related transaction ID, date, and amount, please include it here.
XXXX XXXX XXXX XXXX I am about to file a complaint with the Consumer Financial Protection Bureau against PayPal and just wondered if anyone wanted to attempt to resolve my anger before I do so?
My complaint to the federal CFPB has to do with PayPal 's policy of hiding late fees from you and assessing them without notice.
In addition, this issue of " skipping '' a month of payment when a customer changes the auto-pay amount is ludicrous.
A responsible, ethical financial company should give customers all the resources, tools, and information needed to keep their account current.
Especially now during a PANDEMIC and a NATIONAL CRISIS, PayPal assessed a late fee to me without notice You should be WAIVING ALL CREDIT CARD PAYMENTS during COVID That is the ONLY CORRECT ANSWER So, once someone speaks with me about this, I'll decide whether or not to move forward with my CFPB complaint. I have successfully filed CFPB complaints against other predatory credit companies in the past, one of which was drive out of business.
PayPal derives its power/money from us, the customer. You answer to us.
You are now connected to XXXX XXXX XXXX XXXX XXXX XXXX Hi! My name is XXXX XXXX from PayPal Messaging. I'm happy to look into this issue for you. Please give me one minute to check the chats above.
XXXX XXXX XXXX XXXX Hi XXXX XXXX XXXX XXXX I'm so sorry to hear that XXXX. If i understand you correctly PayPal is charging you a late fee? am i correct? Please tell me more about it.
XXXX XXXX XXXX XXXX I've had autopay for over a year. Early in XXXX, I went to edit the amount so I could send more ( get that? I wanted to send you guys MORE MONEY! ). Apparently when I did this, it canceled my auto-pay for the month of XXXX. I just received my statement for XXXX, and I was surprised to see double the minimum due with a late fee assessed. My payments to PayPal are a " set it and forget it '' type of deal. That way I'm confident my account is always current. So receiving a statement for {$240.00} due was a bit of a shock, as it was the first I'd heard that my account was past due. I've already been on the phone with someone who removed the late fee, but I want to ensure this never happens again. A company can't just look the other way when a customer misses a due date, then say " You owe us a late fee, too. '' That's not right.
I want assurance that PayPal will adjust its machine so that communication is instantly sent the day after a due date, and payment is missing I also want PayPal to adjust its machine so that changing the auto-pay amount doesn't mess up the auto-pay cycle Customers in good faith changing their auto-pay amount shouldn't have to worry about whether their auto-pay will work That's PayPal 's technology, not our problem Assessing late fees without notice is a predatory practice, yes.
This can absolutely be treated seriously by the CFPB I'll close the chat now if I receive a credit of {$120.00} in my account right now.
I'll close my CFPB form page if I get money from PayPal That will make this right.
XXXX XXXX XXXX XXXX XXXX we don't charge our customer 's late fees. I suggest that you contact your service provider because they are the ones collecting money from your PayPal account.
Feel free to reply whenever you're ready. When you reply, one of our available agents or myself will continue to help you.
XXXX XXXX XXXX XXXX Uhhhhhhhh yes you do!
LOL let me send you a copy of your own statement You are now connected to XXXX XXXX Your file has been uploaded.
Statement.pdf / 0.23 XXXX XXXX XXXX XXXX {$28.00} late fee assessed. Yep.
No notice Just the normal statement XXXX XXXX XXXX XXXX Hi XXXX! my name is XXXX from PayPal Chat assistance and I'll be helping to resolve your account needs today. I appreciate your patience while waiting for my response.
XXXX XXXX XXXX XXXX I'm 2 seconds from filing the complaint with Consumer FInancial Protection Bureau.
One sec, need to copy the chat transcript for my submission to the CFPB XXXX XXXX XXXX XXXX I understand you need help with the fees. Don't worry let me help you with that. As what the previous consultant mentioned we don't charge you for the late fees. regarding the late fees charges please call your service provider because they are the one who is collecting money from your PayPal account.
Feel free to reply whenever you're ready and we'll reply as soon as we can.
XXXX XXXX XXXX XXXX Then tell me what the {$28.00} fee is in the PayPal Credit statement I just sent?
You know what - forget it. I'm filing a complaint with CFPB.
That was the nail in the coffin.
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| 08/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have been a victim of identity fraud multiple times over, despite freezes, legal and police reports. In XXXX, I went to open a checking account with XXXX XXXX and they were able to pull up a few different people ( all XXXX ) that were not me. They said it was a typo, likely, however to get that looked at. I locked my credit at the time.
In XXXX I went to XXXX and began using them to further protect myself.
In XX/XX/XXXX ( XX/XX/XXXX ), there was an application for credit through Synchrony Bank Financing. XXXX notified me of this as it was an SSN match, however the DOB and name were not a match ( this all happened again in XX/XX/XXXX, almost a year later ).
When alerted, I called to report it as it wasn't me, and then speaking with Synchrony ( with XXXX ) I verified this was not me, that I was a victim of identity theft and asked them to close it/flag it and remove it from my credit report. They said it was a typo and that the applicant likely made a mistake in verifying their SSN. I told them that I was a victim of identity theft and was under the impression they shut it down. Unfortunately, they didn't and kept it through.
This brings us to this year, in XX/XX/XXXX : I was notified by XXXX about an application for credit that wasn't me through Synchrony Bank ( in XX/XX/XXXX ) This was a match with my SSN, no name and no DOB. ( WOW, its the exact same situation, almost a year later ). called with XXXX to have the application removed and was told I must sign a document that they would send to me in order for it to be removed, verifying that the application was fraudulent. Of course, I asked the name of the thief and they said they couldn't provide it. I also was a bit weirded out that they would ask for a signature, as that hadn't happened with previous banks. ( or the previous time with Synchrony ). They also notified me that the application for credit that was recently placed in a jewelry store in XXXX. When I called the retailers ( the jewelry store ) to get more information ( it didn't look like a real business ), they only spoke XXXX and hung up on me.
About a week later, my spider sense was tingling, so I called Synchrony back and asked them to clarify a bit more as to why I was asked to complete a signed form for them to take the application off of my file when it obviously was a repeat case ( that seemed weird to me ). I spoke with a different associate who reassured me that I wouldn't be sent anything, that the previous rep was mistaken and not to worry. I confirmed with her and she said that I would NOT have to sign anything. It was taken care of.
Well, lo and behold, they sent me a letter in XXXX two weeks later XXXX NO ENGLISH translation, no phone number ) addressed to XXXX XXXX, apologizing that she is a victim of identity fraud. The address to send it back to was in English as " Card Processing '' which is why I called them back, this time the fraud department, and asked again what was going on.
I called a second time ( to Synchrony Bank ) as I felt an odd sense about the previous call. I told them to check in the fraud department and a woman there told me that there were two credit cards opened tied to my SSN, with no DOB and Name match. The open credit card files and accounts were for a Care Credit card ( XXXX, XXXX AND XXXX ) and Walmart credit card ( XXXX ) ( both through Synchrony Bank ). She confirmed she sent this in letter form to me and I received both notifications addressed to XXXX XXXX, XXXX XXXX ( one in English, one in XXXX ), both were to apologize for XXXX being a victim of identity theft and that the credit cards ending in XXXX were closed.
When I received this lovely info, I called again and have been sent two fraud investigation affidavits and am going to attach these to my XXXX accounts. Additionally, I have received statements of each transaction, store locations and it looks the Walmart ones are being paid off, in store ( at least there's that, I guess ... ..both are {$500.00} credit limits ).
I am truly at a loss. Every time I call credit bureaus, XXXX, Banks, they all advise me to place a freeze on all three credit bureaus and a 7 year feud alert -- -I HAVE A FREEZE PER EACH BUREAU, AS WELL AS THE 7 YEAR ALERT ON ALL AGENCIES. When an associate of XXXX called XXXX with me, they verified I had no credit accounts with Care Credit, Walmart or new application alerts on my report.
I asked them why there was another credit file created tied to my SSN. He ran a report and cross referenced my SSN and found there was a separate credit profile/file for XXXX XXXX ( as well as XXXX XXXX and likely XXXX XXXX ) with different DOB and address with those credit files open, separate from my file.
The issue now is that there has been another person ( name is XXXX XXXX or XXXX XXXX and XXXX XXXX ) with MY social security number. I also received a notification from the IRS in XXXX ( XXXX ) XXXX to notify me that my SSN was used to obtain employment in XXXX and they placed a marker on my tax account as a victim of identity fraud. ( That year I also received a from the IRS previously notifying me in XXXX that someone filed taxes with my SSN -- this was a follow up ). This ALL terrifies me and is getting super NOT fun when I have to take off work to deal with this ( it's so lame to get 4-5 different answers from Synchrony ). EACH TIME AN APPLICATION GOES THROUGH, each of these happened AFTER I placed a security freeze on all 3 bureaus, with an extended 7 year fraud alert ) : ( here is the history ) XX/XX/XXXX : XXXX XXXX XXXXe ( flagged /fraud, let 's hope ) ( SSN match only ) XX/XX/XXXX : XXXX XXXX Card ( flagged, fraud let 's hope ) ( SSN match only ) XX/XX/XXXX : XXXX XXXXt AGAIN ( Application alert, no marker although there was a case opened, resolved and closed with XXXX as Power of Attorney XXXX notarized police reports, affidavits, FTC , etc, documents proving identity as mine, alone ) XX/XX/XXXX XXXX Application ( name, DOB and SSN match ) shut down XX/XX/XXXX XXXX XXXX XXXX XXXX ( Application, flagged AGAIN and still attempting to go through ) XX/XX/XXXX Synchrony Bank XXXX Financing ( Application flagged, wanted me to sign documentation, then when calling back, they gave 2 sets of different instructions and notified me of two fraudulent accounts/credit cards opened and active when cross-referencing my SSN ... .and the saga continues below ) Now : When I previously opened up a legal and police report with XXXX and ran credit reports through all three bureaus, I identified several accounts NOT mine. I notified the agencies, through XXXX ( ALL on file ) and identified the following information on my credit report : Addresses in XXXX XXXX, CA and XXXX, CA ( both contested and removed from my credit reports ). I also notified all bureaus that the XXXX XXXX Care Credit card ( XXXX, XXXX XXXX and Walmart credit card ( XXXX ) ( both through Synchrony Bank ) were fraudulent and removed from my credit report. Also, the XXXX XXXX account which was also fraudulent and removed. All was removed and supposedly flagged as fraudulent!
Unfortunately, Synchrony, as well as the credit bureaus, created a separate, synthetic credit file and stupidly, sent the tracking of all credit activities and card numbers to me in the mail, along with confirmation that poor " XXXX XXXX and XXXX '' were identified as " victims ''. When I called AGAIN, the woman at Wallmart fraud alerts was blatantly rude, abrasive and after many attempts of trying to resolve the issues and get the correct information ( she also insinuated I was stupid ), she interupted me and placed me on hold. I waited and no return so I hung up and called back. Twice. Different answers BOTH times. Finally, they sent me a fraud affadavit and I completed both forms and sent it in.
I called XXXX and they confirmed that there was a synthetic file and told me they would have Special Handling call and resolve it. Yesterday, they called and had no idea what I was talking about and that they could not do that.
When I called to have these removed, I was told they would write me to confirm these were flagged as fraudulent and would remove these from the synthetic credit file.
When notifying the credit bureaus last year and banks -- they were notified of the fraudulent activity/accounts and instead of actually closing and eliminating and flagging the synthetic files, they simply transferred it into a false credit file. This is a huge issue that proves these bureaus are negligent in simply running SSN searches as they continue to let this happen. SHAME ON THE continual offenders : Synchrony, XXXX XXXX and XXXX XXXX ( as well as XXXX, who should have flagged the name, DOB and SSN as fine AS A FROZEN CREDIT ACCOUNT and removed the application inquiry ).
Is there a way to shut the separate file off and to make sure my information is protected moving forward? Why am I paying for a credit freeze and fraud alert if the bureaus themselves are dirty?????
It looks like if she were to default on these, it will impact me.
How do I keep this from happening AGAIN. If it's this easy for them to create fraudulent accounts and use my SSN, can no one help me???
I just purchased the credit monitoring through XXXX as well ( again, frozen and locked there too ). Is that just setting myself up for another breach to get XXXX XXXX again as well? XXXX has been my only source of comfort and even then, the banks and bureaus don't seem to care or follow the law.
I have also filed two police reports and am still trying to get some answers.
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| 08/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I could not find an option that matches my complaint but selected this option. I have a account with XXXX Synchrony Bank XXXX XXXX excellent payment history.They outsource their Customer Service/Billing Dept. to XXXX or Phillipines and half the time a customer can not understand what they are saying or they provide answer to question you did n't ask. It frustrates the customer that causes to agree to anything just to get help. A few months ago I was diagnosed with XXXX XXXX and called XXXX Bank to XXXX XXXX and to get assistance with my account that would not affect my credit. They refused to assist with my account therefore I did n't have a choice but to allow the account to become past due. Although on the first call you tell them the financial hardship, they called me XXXX XXXX times a day asking for payment and telling the customer to borrow the money to pay them. I got so frustrated and stressed that I stop answering the phone. To harass the customer into borrowing money to make the payment, they started placing the same derogatory item on the customer 's credit report twice a month. Due to my identity had been compromised, I have a credit monitoring service. In the past 2 months, XXXX XXXX XXXX the same information on my credit report XXXX - 3 times in the month. I started questioning if that was legal. XXXX are the dates of everytime XXXX 's reported the same information as follows : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and continues the harassing calls. on XXXX/XXXX/XXXX, I spoke with XXXX 's Synchrony Bank XXXX XXXX XXXX XXXX XXXX to get assistance with a payment arrangement for XXXX minutes where he told I can not help with your credit report, can you make the minimum payment and I was so frustrated until I told I would call customer service. Below is the complete chat log : XXXX AM : XXXX XXXX XXXX : Initial Question/Comment : Up until 4 months ago, I had an excellent pay history with XXXX. XXXX has been very hard financial year. Now, XXXX XXXX Disaster with a flooded home. I have n't been able to assess the damage because of more flooding. I need your assistance with the account without accruing additional late fees and negative mark on my credit report.
XXXX AM : System : Welcome to XXXX 's Credit Services Live Chat. Your chat XXXX be monitored and recorded for quality purposes. A chat agent will be with you momentarily.
XXXX XXXX : System : XXXX has joined this session!
XXXX XXXX : XXXX : Connected with XXXX. Your XXXX XXXX for this chat is XXXX.
XXXX XXXX : XXXX : Hello XXXX. Thank you for contacting us today and I apologize for the inconvenience.
XXXX XXXX : XXXX : I hope you and your loved ones are all okay.
XXXX XXXX : XXXX : XXXX I take XXXX minutes to review the account?
XXXX XXXX : XXXX XXXX XXXX : Yep, everyone is ok. Thanks for asking. Would it be possible to skip and/or bring the account current to reestablish my good standing with XXXX 's?
XXXX XXXX : XXXX : Thank you. The account requires additional verification and for us to proceed, XXXX I ask for your mother 's maiden name and the last transaction on this card?
XXXX XXXX : XXXX XXXX XXXX : sure ... Maiden name XXXX ... last payment XXXX XXXX AM : XXXX : XXXX I also have the last XXXX ( XXXX ) digits of your social security number and date of birth for verification?
XXXX AM : XXXX XXXX XXXX : XXXX # XXXX DOB : XXXX/XXXX/XXXX XXXX AM : XXXX : Thank you. I am checking the account now.
XXXX XXXX : XXXX XXXX XXXX : I realize my account is past due ... XXXX has been nothing but issue financially and health XXXX AM : XXXX : Thank you for your patience. Since you are a valued customer, the {$38.00} late fee and {$6.00} interest have been waived. Adjustments will reflect within XXXX hours and on your next billing statement as well. The new estimated total balance will be {$260.00}.
XXXX XXXX : XXXX : In addition to our e-service payment, you XXXX also want to try out our other free payment options like making your payment in the store or through our automated system over the phone without a fee at XXXX.
XXXX XXXX : XXXX : For payment assistance and payment arrangement options, I will need to transfer you to XXXX of your chat account specialists.
XXXX XXXX : XXXX : Is this okay with you?
XXXX AM : XXXX XXXX XXXX : sure XXXX AM : XXXX : Thank you.
XXXX AM : XXXX : Were there any other concerns that I can help you with before I transfer the chat?
XXXX AM : XXXX XXXX XXXX : No, you 've been Great XXXX AM : XXXX : Your satisfaction is a great compliment for us. The chat will be transferred now.
XXXX XXXX : System : You are being transferred to another queue. Please stand by ...
XXXX XXXX : System : XXXX has left this session!
XXXX XXXX : System : XXXX XXXX has joined this session!
XXXX XXXX : XXXX : Connected with XXXX XXXX. Your XXXX XXXX for this chat is XXXX.
XXXX AM : XXXX XXXX : Hello XXXX, thank you for contacting Synchrony Bank regarding your XXXX 's Card.
XXXX XXXX : XXXX XXXX : This is an attempt to collect a debt ; any information obtained will be used for that purpose.
XXXX AM : XXXX XXXX : While I check the information for you, XXXX I know, has there been any changes in your mailing address, email ID or your telephone numbers in the past 30 days?
XXXX XXXX : XXXX XXXX : Please do not worry, I will be happy to help resolve your query.
XXXX AM : XXXX XXXX XXXX : no XXXX AM : XXXX XXXX XXXX : I hope so XXXX AM : XXXX XXXX : I Appreciate you confirming the contact details.
XXXX XXXX : XXXX XXXX : I am sorry the delayed response due to the technical issue.
XXXX AM : XXXX XXXX XXXX : no problem XXXX AM : XXXX XXXX : XXXX, I can understand that thing 's are little difficult for you and hope thing get better for you soon however as I can see that you spoke to the customer service and they have processed XXXX late fee for you.
XXXX AM : XXXX XXXX XXXX : I 'm concern about my payment on XXXX/XXXX/XXXX and my credit report XXXX AM : XXXX XXXX : XXXX, I wish I could help you with this however as I am from the collection 's team of Synchrony Bank I have the limited access to the account Thus I would request you to please contact the credit bureau to check the details.
XXXX AM : XXXX XXXX : XXXX I know XXXX AM : XXXX XXXX XXXX : credit bureau?
XXXX AM : XXXX XXXX XXXX : you report to credit bureau monthly when my account is past due XXXX AM : XXXX XXXX : In regards to the credit report I will not be able to help you and XXXX I know if you need assistance with the plan in making the payment XXXX AM : XXXX XXXX XXXX : I can see XXXX past due payments on my credit report.
XXXX XXXX : XXXX XXXX XXXX : I am asking about my XXXX/XXXX/XXXX payment. Can it be skipped and account brought current to reestabliosh my good standing with the account XXXX XXXX : XXXX XXXX XXXX : XXXX the late payment be reported to the credit bureau?
XXXX AM : XXXX XXXX XXXX : I 'm not asking for assistance with the credit report itself ... just you will not report a late payment past XXXX/XXXX/XXXX which you have control for reporting XXXX AM : XXXX XXXX : As a bank we need to report to the bureau every month and If you make a payment post the due date or if you do not make the payment for the amount due you will incur a late fee which is charged by the system.
XXXX AM : XXXX XXXX : XXXX I know the amount which you are willing to pay today as I see that the amount due is {$160.00} which include the amount delinquent : {$120.00} and minimum due : {$48.00} and the due date : XXXX/XXXX/XXXX Would it be possible you to pay the amount due to avoid the late fee.
XXXX XXXX : XXXX XXXX XXXX : maybe I 'm asking the right question. Is it possible to skip the XXXX payment and account brought current? That would eliminate the past due credit reporting XXXX XXXX : XXXX XXXX : XXXX, that option is not there to skip the payment.
XXXX XXXX : XXXX XXXX XXXX : Ok, so basically you can not assist me?
XXXX AM : XXXX XXXX XXXX : I am aware the account is past due. I 'm asking if the past due can be added to the end of the account to bring it current XXXX AM : XXXX XXXX : XXXX, I wish I could help you with skipping the payment however that option is not available as I am from the collection 's team of Synchrony Bank I have the limited access to the account.
XXXX XXXX : XXXX XXXX : XXXX I know the amount which you are willing to pay today?
XXXX XXXX : XXXX XXXX XXXX : why did they transfer me to you? I was told you could help with that.
XXXX AM : XXXX XXXX XXXX : I do n't understand ... XXXXThis is so confusing XXXX AM : XXXX XXXX XXXX XXXX I know if you need some payment assistance or payment arrangement options.
XXXX AM : XXXX XXXX XXXX : XXXX 's why I was transferred to you. So if there is n't any options it ok. I 'll end the chat. XXXX is only Synchrony Bank company that could not assist.
XXXX AM : XXXX XXXX XXXX : We can end the chat now XXXX AM : XXXX XXXX : XXXX I ask you few question in order to check if the account XXXX qualify for XXXX of the our payment plans.
XXXX XXXX : XXXX XXXX XXXX : we can end chat now. All I need was to see if my account was eligible for a payment plan. I 'm really frustrated so I 'll call collections instead I had an excellent pay history with XXXX 's and all I need was assistance to make sure my account would remain in good standing. Synchrony Bank does n't care what type of situation their loyal customer are having " THEY DO NOT CARE ''.
I requested assistance that my other creditors arranged for me.
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| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I am demanding deletion of this item from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case.
All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.
Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances.
Section 615 ( f ). The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C.
1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681c-1 Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681c-2 Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C.
1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y Best Regards,
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| 04/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Older American |
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i had 16 mix accounts with Synchrony financial,my souse had 9 accounts.
on XX/XX/XXXX they closed all my 16 accounts with credit line of up to $XXXX combined and closed all her 9 accounts on XX/XX/XXXX with credit line of up to $XXXX.
since our fico scores both were over 750 and had gone up since we were approved for their cards,and both of our utilizations were 1% total,and all payments were paid on time either before they billed or couple of weeks before due in full or always more than the minimum payment.no derogatory information on on reports either.since so many accounts are involved i can not upload any document but at first they sent me 16 letters all the same and the reason for closing the credit cards was shown as "HIGH RISK' after i opened a dispute ,2 weeks later they replied that since all the accounts were closed they can't do much but i can go ahead and re-apply for any of the cards that were closed.since i was curious to see what happens i tried opening a XXXX visa account which i had 2 of them,and were both pre-approved but i noticed on the application all fields were filled and they only asked for the last 4 digits of ss#.i just typed the last four digits and clicked next and a message appeared that i was already approved for one and the part i could not understand was that how the application was pre-filled and did not require a full ss#,also after i saw the message,since this bank only pulls XXXX and 15 of the time from XXXX i checked the inquiries on both of these 2 agencies and saw NO HARD PULL.i contacted them by the phone and each time i was talking to a new MGR. but since my XXXX card was declined on the XX/XX/XXXX,i called XXXX-Synchrony card customer service on 3 occasions.the MGRs i spoke with all did a soft pull and were telling me that this could have been a computer error as the score was on the rise,above 750,utilization was only 1% on $200,000.00+ total credit line,payments were paid ahead of time mostly in full.i am a retired person on guaranteed social security income and my house is paid off. so being a high risk was not an acceptable reason and they agreed.after i applied for XXXX and as i explained above i saw what happened,i contacted them(XXXX-Synchrony) because initially they had opened the dispute and explained what happened and they had no idea how this could have happened,they said they make a note and i will hear from the bank in 10 days,after i received this letter they had indicated that all their decision was based on the information XXXX supplied,and if i have any issues i need to contact them,on the other hand threw the ball in XXXX court,after being on the phone with a rep. from XXXX and explaining all the above facts,i was told that thee was nothing on my credit report that could have triggered the bank to close all my accounts in one day and then reported them on the following day to the bureaus and a few days later adding a remark"closed by creditor" and she said the only thing she could do was to file a dispute on my behalf that everything looks good and it would take Synchrony 30-45 days to respond.as of today i have not heard from them and as i said they did the same thing to my spouse's 9 accounts a few days ago which i saw no reason to call them especially with the pandemic there is a long delay reaching a live rep.however i searched the net and i realized i am not alone and there are thousands of complaints about this bank,either reducing people's credit line to half or less or closing all accounts in one day.the only thing i suspect is that they are discriminating against elderlies and perhaps in our case the nationality as well although we have been US citizens since XX/XX/XXXXbut did not change our names.i am XXXX and my spouse is XXXX,did they really think that in one day we are going to max out all these cards and escape town?because we were treated like criminals.you need to examine this banks conducts.right at the time that all other banks offer help and allow people to make payment arrangements,this bank not only does that but closes all my accounts and my spouses,causing a huge drop in our fico score and leaving all those accounts shown closed by the creditor.that puts our other accounts in jeopardy as other creditors do a soft pull once in a while and would wonder what we did to Synchrony that they closed 25 of our accounts combined.don't they realize the outcome of taking such action and what they are doing to people's lives,at this age it's very hard for us to try to bring up our scores and all i need them to do is to remove all their inquiries which 99% of them are on XXXX and perhaps one is on XXXX as well as removing all paid accounts in good standing that they closed, they can't have it both ways,close the accounts for no reason and then keep those inquiries and closed accounts for years,this is the least they can do.also i paid them off immediately as soon as they closed my accounts as well as my spouse's.we owe them nothing.there might be a credit from XXXX which normally they apply the refund on the original type of payment.but as i said i have read over 60 of the complaints about this bank and they are doing the same thing over and over and get away with it.how could i be a high risk when from early XXXX to mid XXXX they pre-approved me for a signature XXXX visa with $XXXX CL,a platinum one for $XXXX and i was approved for a chevron visa with $XXXX,and on XX/XX/XXXX i asked for a credit raise on my Sam's Club's MC and they raised the limit to $XXXX,then 4 days later on the XXXX i become a high risk?something is wrong in here and as i said i would be grateful if you check in to this as i feel we have been discriminated against race and the worst part is at the time that you count on your banks during a pandemic.i am totally disappointed and will keep exposing this bank so others do not fall for their trap.everything we did was by the books and their own rules as far as asking for CLI.as a matter of fact on their page where they show you the fico score they mention that asking for CLIs is better for the credit report as it brings down the utilization rate but with their conduct they ruin people's credit.this bank is more predatory and vicious than any bank that starts you on a very low credit with a yearly fee,at least they have the courtesy not to close your credit cards accounts in the midst of a pandemic and cause more grief than you already have,there is really not much to say except that Synchrony
is better off becoming a collection agency rather than a credit card provider,it's a good thing walmart is suing them and XXXX XXXX took over Walmarts accounts otherwise they would have closed those as well.they are playing a dirty game,it's not a fair game,they are not supposed to discriminate,but they do,and they are not supposed to do a lot of other things that unfortunately they have been doing for years and have got away with it,only the consumers can stop this nonsense by leaving comments and/or filing complaints about Synchrony's behaviour.as i said at our age it's difficult to bring the score up to what it was by losing 16 accounts(mine) and 9 accounts(hers)and a huge drop in Fico score not only they damage people's credit but they are ruining their lives as well.they need to be stopped.and for those of you who have multiple accounts with Synchrony like we did and recommended to others,be prepared as it does not matter if you have these accounts for 1,2 or 8 years does not matter,you could be next.they have no certain rules,they pre-approve you,ask you that you increase you credit limit and they normally triple it when you do,meaning if the initial credit line on one of your cards was $XXXX,after four months if your account is active and your fico has not dropped they raise your limit to $XXXX,but once you think you're dealing with one of the best and the most generous bank,they XXXX you by closing all your accounts.my advise is if you ever decide to apply from Synchrony get a few of their cards but do not put all your eggs in one basket,have a few other cards with decent limit and low utilization as in some of the comments i have read,numerous people with high usage who their cards were cancelled had plan to purchase a house or a car and after that they were not able to do that,and also the ones who just bought a house and a car after their credit card's accounts were closed by Synchrony fell in to a big trap.i am not sure if i need to file 2 complaints or one but if necessary i will have my spouse to file one as well.our only demand is SYNCHRONY REMOVE ALL INQUIRIES FROM OUR XXXX ACCOUNTS AS WELL AS REMOVING ALL THE CLOSED ACCOUNTS IN GOOD STANDING FROM THE 3 CREDIT REPORTING AGENCIES .your involvement in this case is greatly appreciated.now that they have done the damage there is a good chance other creditors close the accounts you have with them as well since they may not get in to the details and just see that so many of your accounts were closed by this bank and that's why i don't want Synchrony's name even on our report.once they REMOVE THE HARD PULL INQUIRIES AND THE CLOSED ACCOUNTS FROM OUR CREDIT REPORTS,i try to forget that such a bank existed and try my best to forget about the grief they caused,otherwise i am retired and i am a time Millionaire and will not rest exposing the facts about this bank's behaviour and conduct.thanks for your time.
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| 10/25/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This is continued documentation in regards to fraud and civil harassment on the part of Lowes and synchrony bank. As this moves towards litigation, synchrony bank has refused to investigate this matter. At no time has anyone from this bank contacted me, or spoken with Me Directly. They continue to send me bills and demands for money. They are demanding funds for services, and products that were never rendered, nor were they received. There is a need for a formal federal investigation into the fraud that not only synchrony bank, but Lowes continue to commit. In an email sent on XX/XX/XXXX, I received notice from synchrony bank, that no amount was due. On Yesterdays date, XX/XX/2023, I received a bill from synchrony bank stating that I owe them over {$5000.00} and a minimum of {$51.00} is due on XX/XX/2023. I owe this company absolutely no money. They are frauds, criminals, and a federal investigation into their crimes is warranted. On this date, I spent nearly 2 hours on the phone being redirected repeatedly by customer service representatives, who refused me service, and refused to address the issue. I asked to speak to a supervisor multiple times. One of those supervisors hung up immediately, another redirected me to Lowes, and the other completely refused service. This is a company of criminals, Frauds, and liars. My attorney will be sending them documents and will be serving them formally upon his return to his office. I have had enough of this XXXX and theyve had every opportunity to resolve this. I demand a federal investigation into this Friday, and I absolutely will be suing this company.
Synchrony bank, and Lowes continue to commit fraud and violate my rights as a consumer. I am repeatedly receiving statements from synchrony bank stating that I owe them over {$5000.00} for services that were never rendered and products that were never received. Lowes has done over {$18000.00} worth of damage to my home. Due to unsafe installation, all materials had to be removed. I have sustained XXXX XXXX in the form of a XXXX XXXX XXXX XXXX XXXX XXXX. I am being scheduled for XXXX for repair of this XXXX. This is a result of negligence. Lowes is currently being sued, and synchrony is also Part of this civil litigation. Synchrony and Lowes continue to commit fraud and demand money for services never rendered. There needs to be a prompt and thorough investigation conducted on both. This is an ongoing issue and I have recorded phone calls with synchrony bank, where representatives have been recorded, stating that they are returning my money. This has not happened to date Synchrony bank, and LOWES corporate office has provided false information regarding state and federal complaints. They have provided the consumer federal protection bureau with false information in order to have an investigation closed out under false pretenses. They have claimed that they can not respond due to pre-litigation, or a lawsuit has been filed. This is completely false, and neither, LOWES, nor synchrony bank have been served with any documents from any attorney at this time, or at the time that they responded. They are XXXX, providing false information, in order to close out cases against them, as well as federal investigation LOWES and synchrony bank, continue to commit fraud, breach of contract, deceptive sales practices, and have used bait and switch tactics which has resulted in nearly {$9000.00} of financial loss for me. They continue to commit crimes against their own customers, and in this case, have refused to provide products and services that were purchased on my Lowes credit card. I have paid over {$3000.00} since XX/XX/1022 and have received no products, service, and my home has been destroyed by this company. LOWES is refusing to cooperate in an insurance claim and has refused to repair the damages. Their claims adjuster, XXXXXXXX XXXX, is refusing all communication and has refused to re-order products and provide service and Installation. XXXXXXXX XXXX and executive XXXX XXXX have escalated this issue to the point to where civil litigation will be necessary to resolve this matter..
In regards to the original sale of these products and services, that were to be provided by LOWES, their sales personnel at the XXXX XXXX store, used bait and switch tactics. I originally purchased a laminate flooring that was advertised as a display within their store. I made this purchase using my LOWES synchrony credit card. For several months, this product went without being ordered by the sales person and XXXX XXXX flooring. Months afterwards I received word that the product that had been sold to me, and that was on display for sale was being discontinued at the beginning of the year. They refused to provide a product that I had purchased and that was paid for. I was told by the sales person identified as XXXX that I would have to pick out another laminate. She only directed me towards flooring that was of a higher price than the original product that I had purchased. At no time did she show me a product that was lower in price, or close to the same of what I had already paid she repeatedly used bait and switch tactics and use these unlawful tactics to persuade me to buy a product that was higher in price. LOWES has been sued for sales practices such as these in a class action lawsuit. Recently, they were ordered by the courts to pay customers {$1.00} XXXX in damages. Clearly, this company didnt learn a thing from the class action lawsuit, that they just lost, as they continue to conduct bait and switch tactics against their customers and commit fraud.
I have a legal binding contract, reference my purchase of product service and Installation from LOWES. They refuse to honor this contract, provide services, and are refusing to even honor a warranty. Four months, I have had water damage in my home that they have refused to address. They have already admitted, fault, but refused to address and fix what they have damaged. I have thousands of dollars worth of damage in my home from an incompetent and unqualified installer. Adding to this, LOWES is not conducting proper background and criminal background checks on their employees and installers. The person that they hired to install my bait and switch flooring was completely on qualified, unlicensed, and was he convicted criminal. This man flooded my house on three separate occasions. This man has destroyed my house, making it unsafe. I have sustained physical injury from what this man has done and the defects reference installation in my home. LOWES associates and claims adjuster, XXXX XXXX even stated in a recorded phone call that this was the worst Installation hes ever seen and his XXXX daughter could have done better. LOWES has destroyed my home. XXXX XXXX, should be terminated from his position due to his negligence and complete unprofessionalism and incompetence. He has not resolve this issue, nor attempted to resolve this issue properly. Rather, he has escalated matter to civil litigation. It has also been noted that XXXX XXXX is refusing to provide documentation that is relevant to this insurance claim. An adjuster from XXXX and company came to my home to assess the damage. A report was submitted on these damages. XXXXXXXX XXXX, is refusing to provide these documents to me as they pertain to my home, this open claim and damages that occurred. XXXX XXXX is now refusing all communication. In a previous conversation, XXXX, XXXX was made aware that I am a XXXX XXXX XXXX. After making this known, I became aware that XXXX XXXX was no longer listening as I spoke with him, and I could hear him typing in the background. Hearing that he was typing a message to someone on his keyboard, I stated that I would let him go, since he was no longer Listening he responded by saying I was noting that you were a police officer. XXXXXXXX XXXX clearly has some sort of personal issue, or vendetta against law enforcement officers. He has made that clear, his actions and words throughout this entire process..
At this time, they ( lowes ) are refusing to fix the damage, have not ordered, or provided replacement products, services, and they have refused to address the thousands of dollars of water damage caused by their negligent installer. LOWES has committed numerous Crimes, which includes bait and switch tactics, fraud, deceptive, sales practices, breach of contract, and gross negligence. I have retained an attorney to pursue LOWES and synchrony bank for the crimes that they have committed. As I have stated, I have already paid over {$3000.00} for products and services that were never rendered, and have a balance of {$5000.00} for products that will not be provided an installation that will not be conducted. This bank needs to void out any balance that remains and return the over {$3000.00} that I have paid. My home is destroyed because of this company and has sustained thousands of dollars in damage and water damage. They will be held liable in civil court for their crimes. I am demanding that my money be returned that I have paid on the balance of this credit card and the remaining balance of {$5000.00} be deleted. After this is processed, this account needs to be closed. I will be suing this company and will never give them my business again.
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| 10/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I opened an account with XXXX XXXX Synchrony XX/XX/2018. The sales consultant took my information over the phone. I believed I was giving information for preapproval. I did not get terms of the credit card. I gave the correct address and phone number.
XXXX XXXX installed the roof in XX/XX/2018 at our correct address and called my number to arrange the install.
On XX/XX/2018, I received notice from my credit monitoring service that my credit score dropped XXXX points due to delinquent status of my Synchrony XXXX XXXX account. I had not received a bill from XXXX XXXX. I received no phone calls or emails to inform me of my delinquent status.
I called Synchrony on XX/XX/XXXX and learned that they had sent 3 bills ( XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 ) which they stated were all returned. I never received my credit card, my terms, an invoice of work completed, an account number, or any documentation. I never received approval notification. I never signed anything. I am not contesting the work or that I owe XXXX XXXX money for work completed. I never had an opportunity to pay.
On XX/XX/2018 I began attempts to clear up the negative impact to my credit score. Below are notes related to the calls.
XX/XX/XXXX XXXX XXXX Called XXXX-XXXX-XXXX-XXXX when credit monitoring service XXXX notified credit dropped XXXX points Automated service wasnt able to authenticate when entered personal information Connected to XXXX Told me there was {$410.00} minimum amount due I told her I never received a bill XXXX told me they sent out multiple bills that were returned I told her I was never contacted by phone or email She told me there was no phone number or email on account I told her that wasnt true because the contractor had that information and the work had been completed at the address and we had been contacted by phone to arrange the install.
XXXX indicated the delinquency would be reversed by XX/XX/XXXX.
I asked to speak to a supervisor.
[ on hold ] Transferred to XXXX.
Gave XXXX social security number. XXXX verified my account with Synchrony.
XXXX me I need to send a dispute to : XXXX XXXX XXXX XXXX FL XXXX Ask to whom I should address this.
XXXX told me XXXX XXXX XXXX XXXX **This address is for Synchrony Bank** XXXX misrepresented Synchrony Bank 's address as the address of a federal agency. XXXX also lied about her name. I later found out XXXX 's name was actually XXXX when I spoke with XXXX/XXXX, a XXXX XXXX representative. ** Asked XXXX/XXXX how many bills Synchrony sent me. XXXX/XXXX refused to answer me.
Asked to what address Synchrony sent bills. Gave me this address : XXXX XXXX XXXX XXXX, TX XXXX I have never lived at this address, used this address, known anyone at this address, or given this address to anyone.
Asked XXXX/XXXX what phone number they had on file.
Gave me : XXXX-XXXX-XXXX ( the number from which I was calling ).
Asked what email they have on file. Gave me XXXX ( not my email address ) Told me XXXX said I refused to give email address ( not true ) When I asked what information Synchrony had about me XXXX/XXXX refused to give it. XXXX/XXXX said she could only verify information I gave her. I told her I needed to know what I was disputing when I sent the letter in. XXXX/XXXX told me I just needed to send the letter in and there was nothing else she could do.
XX/XX/XXXX Hung up and called XXXX store directly. Spoke to XXXX at Pro Services Desk. XXXX-XXXX-XXXX Store # XXXX. Acting manager in flooring. Told me I probably needed to speak to XXXX but he would take information. Gave information. He called back at XXXX and said he couldnt find account. Gave phone number XXXX-XXXX-XXXX. Was not able to pull up XXXX credit card. Called back again at XXXX and told me to call XXXX credit center at XXXX-XXXX-XXXX-XXXX. Told him my concern was that interest was accruing in addition to my credit being affected negatively. He told me this should all be fixed. I told him again I never got a statement and had no opportunity to pay.
Called XXXX-XXXX-XXXX-XXXX and spoke to XXXX.
XXXX told me there were 3 statements sent out and 3 payments missed. Account being rehabbed. Closing dates go out on the XX/XX/XXXX or XX/XX/XXXX.
Statements sent out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
XXXX assured me that no interest being accrued.
I asked who entered the XXXX address. She wasnt able to tell me.
I asked if I could have scanned copies of all documents. She said since account was being rehabbed she couldnt send me anything. She said the defect was on our [ XXXX ] side.
Rehab would take 30 days.
I told her that was unacceptable because I was in the process of taking out a car loan. I am now unable to attain a loan because my otherwise good credit score has been negatively affected through no fault of mine.
XX/XX/XXXX Called again and talked to XXXX ( XXXX ) Asked to clarify what rehab is. He answered that the mistake is on our [ XXXX ] part and not your fault. I wanted to make sure the rehab is happening. He said it is. No days are past due. XXXX said he is sending another bill to the correct address. Transferred call to corporate care office. XXXX-XXXX-XXXX-XXXX. Told concerns to rep. Rep said would call back in 2 business days. Had to walk to a meeting and I didnt get reps name. Meeting was at XXXX so call ended approximately XXXX. Learned XXXX lied about her name ( its really XXXX ). There is also no Federal Credit Reporting Agency. That is Synchronys Address.
Never received a call back. Called back on XX/XX/XXXX and spoke to XXXX. Incident report XXXX-XXXX-XXXX-XXXX. XXXX said the number associated with the account is XXXX-XXXX-XXXX. Told her this is not my phone number. This has never been my phone number or any phone number of anyone I know. XXXX XXXX entered inaccurate information on my credit application that I have never seen. Because of XXXX XXXX inaccurate information, my credit score has been negatively impacted and I am unable to get credit.
XXXX said she was escalated to the next level and corrected phone number and verified all other contact information. Ended call at XXXX with assurance I would be called back and this would be handled at corporate office and would be called back in 24 hours.
I was not called back.
XX/XX/XXXX spoke to XXXX at XXXX XXXX Corrected email address AGAIN XXXX told me I had to handle this at the XXXX credit process not at corporate. Transferred to XXXX. Then to XXXX. Then to XXXX. Asked to speak to supervisor.
XXXX told me my last name doesnt match.
Gave social. Found account. Told me account was already rehabbed. Asked to speak to supervisor. Transferred.
XXXX.
Asked who input incorrect information. She looked for application. Said I didnt have an application. Then she said it had missing information after she found it. I requested a copy of the application. She said it will take a lot of time to happen No ID information. She said underwriting may now who submitted it. May take 1-2 billing cycles to get it to me.
Then she hung up on me. I called back and got in touch with her.
She then said she would have this off my credit report in 24-48 hours and I would have the terms in 30 days.
She also said they cant find my credit card.
As of XX/XX/XXXX I still dont have a bill, I still dont have a credit card, and this is still on my credit report.
I called Synchrony again XX/XX/XXXX at XXXX XXXX and spoke to XXXX. Asked to speak to a manager. Corrected phone number AGAIN. Spoke to Kayalee [ unsure of spelling? ] XXXX assured there is no impact on my credit. Current credit report shows my account is in arrears and my credit score is still 136 points below what it was before Synchrony reported. XXXX stated Synchrony updated information electronically on XX/XX/XXXX and it can take 30 days to be removed. I can not complete the purchase of my vehicle and can not wait 30 days. Without the purchase of a vehicle I can not transport myself to work or my children to school. The negligent noncompliance of XXXX XXXX and Synchrony bank to enter and report accurate information has caused me and my family serious financial harm.
I requested a letter from Synchrony stating that my account is up to date and that I am not delinquent. Synchrony can not supply the letter for 14 days. I can not wait 14 days.
I do not understand how XXXX XXXX and Synchrony Bank were able to make such an egregious error and are not responsible for correcting it. It has been left up to me to navigate the CRAs. Synchrony has done this before, sending a bill for my XXXX XXXX account to an address in XXXX that I never resided at. The only two negative accounts on my credit history are from Synchrony and are associated with addresses that I have never lived at and never put on a credit application.
I never received my XXXX XXXX card. I still have not received my XXXX XXXX bill. Attached is the ONLY document I ever received from XXXX XXXX. The signature on it is not mine. It is the signature of someone who happened to be at my house who agreed to the purchase of the roof, not to the credit. You will notice no dates or financial information are on the sales contract.
|
| 08/13/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
Servicemember |
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I am writing this at XXXX am due to the inability to sleep on the mattress I purchased from Ashley home. I am completely dissatisfied since I am now suffering from over 30 sleepless nights in which all are still within the trial period.
In XX/XX/2019, I opened an Ashley home account to purchase a XXXX King sized 8 Cooler - Firm XXXX and an XXXX base with massage from Stash Home in XXXX ( an Ashley home furniture store at the recommendation of our salesman. The cost of the purchase {$8300.00}.
The mattress was delivered and charged to my account XX/XX/2019.
Nights after night after receiving the bed, I could not sleep and within the first week of sleeping on the mattress, I began having XXXX XXXX XXXX XXXX of which I did not previously suffer and although the mattress supposedly is cooler, my fianc and I both feel hotter and have not slept through the night since having the mattress. My fianc too has many nights that he cant sleep through the nights. After 3-4 nights of sleeping on this same mattress, my fianc started suffering XXXX XXXX too and Within approximately 6-7consecutive nights of struggling to sleep a night, I contacted the store to discuss exchanging the mattress since I initially thought the problem was the firmness of the mattress.
Show Quoted Content The mattress was delivered and charged to my account XX/XX/2019.
Nights after night after receiving the bed, I could not sleep and within the first week of sleeping on the mattress, I began having XXXX XXXX XXXX XXXX of which I did not previously suffer and although the mattress supposedly is cooler, my fianc and I both feel hotter and have not slept through the night since having the mattress. My fianc too has many nights that he cant sleep through the nights. After 3-4 nights of sleeping on this same mattress, my fianc started suffering XXXX XXXX too and Within approximately 6-7consecutive nights of struggling to sleep a night, I contacted the store to discuss exchanging the mattress since I initially thought the problem was the firmness of the mattress.
When I called the store, I was initially informed that their guest relations department would contact me by the next day to discuss a remedy.
Two days went by and since I was still suffering sleepless nights and now irritated because of not receiving adequate rest and since I still had not received a call, I contacted Stash again and told the representative that I was renting a truck and will be returning the mattress that day because it only were we caused sleepless nights but the base had stopped working.
That afternoon a guest relations representative contacted me and told me that I had to sleep at least 30 days on the mattress to comply with the warranty. I called the Stash store and spoke to XXXX manager of the store to explain how both my fianc and I are suffering sleeplessness due to this product and the base is not working. XXXX kindly informed us that the base was accidentally reset and helped to fix the base issue However XXXX politely explained that sleeping on the bed takes getting use to and to try it for at least 30 days.
Show Quoted Content Two days went by and since I was still suffering sleepless nights and now irritated because of not receiving adequate rest and since I still had not received a call, I contacted Stash again and told the representative that I was renting a truck and will be returning the mattress that day because it only were we caused sleepless nights but the base had stopped working.
That afternoon a guest relations representative contacted me and told me that I had to sleep at least 30 days on the mattress to comply with the warranty. I called the Stash store and spoke to XXXXl manager of the store to explain how both my fianc and I are suffering sleeplessness due to this product and the base is not working. XXXX kindly informed us that the base was accidentally reset and helped to fix the base issue However XXXX politely explained that sleeping on the bed takes getting use to and to try it for at least 30 days.
At his advice, we continued to sleep on the mattress and again night after night we went sleepless. I could no longer accept not sleeping and reached back out to XXXX to exchange the bed for a softer version since the issue was believed to be caused by and due to the firmness of the mattress.
Again I spoke to XXXX to inform him that not only was the bed causing continuous sleepless nights for us but my XXXX XXXX XXXX XXXX was becoming more severe.
Upon hearing my issue of sleepless nights due to the purchase of this product, XXXX, Stash store manager reached out to guest relations team and received approval to exchange the the mattress for the so called softer version.
Show Quoted Content At his advice, we continued to sleep on the mattress and again night after night we went sleepless. I could no longer accept not sleeping and reached back out to XXXX to exchange the bed for a softer version since the issue was believed to be caused by and due to the firmness of the mattress.
Again I spoke to XXXX to inform him that not only was the bed causing continuous sleepless nights for us but my XXXX XXXX XXXX XXXX was becoming more severe.
Upon hearing my issue of sleepless nights due to the purchase of this product, XXXXXXXX Stash store manager reached out to guest relations team and received approval to exchange the the mattress for the so called softer version.
Within the following week the Stash delivery team delivered XXXX XXXX XXXX - Soft, took photos of the existing firm mattress to confirm the condition of the mattress and took the firm.
Although still within the 30 day trial period and 90 day guarantee of the initial purchase of the original mattress and after exchanging the mattress, I am still suffering sleepless nights and back and neck pain. So again I have to contacted the store and leave multiple messages for XXXX because we continued to suffer sleepless nights since the arrival of the softer version.
We now sleep on our living room sofa to get any rest.
The mattress is still too firm and uncomfortable.
Show Quoted Content Within the following week the Stash delivery team delivered XXXX XXXX Cooler - Soft, took photos of the existing firm mattress to confirm the condition of the mattress and took the firm.
Although still within the 30 day trial period and 90 day guarantee of the initial purchase of the original mattress and after exchanging the mattress, I am still suffering sleepless nights and XXXX XXXX XXXX XXXX. So again I have to contacted the store and leave multiple messages for XXXX because we continued to suffer sleepless nights since the arrival of the softer version.
We now sleep on our living room sofa to get any rest.
The mattress is still too firm and uncomfortable.
I started a new job and almost drifted to sleep in front of my peers and superiors due to not sleeping at night. I really need to sleep as it has now been weeks since I have had a good night 's rest.
We were told we must sleep with a mattress pad on the bed to maintain the warranty and therefore we have the highest quality, thickest, and most expensive mattress pad on the bed since day one which is also a reason we can not feel any cooling of the mattress. The mattress pad protects the bed but also makes the bed warmer which causes for us to experience an influx of heat.
Because we had already done 1 exchange, XXXX stated that he could not approve the return of the bed however he would reach out to the guest relations team to contact me.
The following day guest relations contacted me and stated that they would not be able to return and refund the mattress when I discuss the reasons why the agents simply stated that we did not sleep on the bed for full 30 nights and since the bet was already Exchanged one time they could not honor the return of the bed although there is a 90 day satisfactory guarantee on the bed.
I asked the rep if the Ashley store could return and refund the bed and she stated that decision would have to be made by the manager I have since left several messages and now no one is contacting me back we continue to suffer sleepless nights I have made a XXXX appointment due to the XXXX XXXX XXXX XXXX that Im suffering from sleeping on this bed and again night after night I have to sleep on my sofa Instead of an {$8000.00} bed. This is not only been the worst experience Ive ever had with a purchase but I am now seeking assistance from the XXXX XXXX XXXX and Attorney General with this matter I just want to return and refund this bird purchase. I even told the store that Im willing to purchase a mattress with a some type of pillow top version Since I realize the reason theyre not allowing me to return and refund this bed is because they do not want to lose this large purchase in their store However no one should suffer this amount of pain and sleepless nights from a store recommended purchase. I am completely dissatisfied with the mattress due to the many sleepless nights, XXXX XXXX XXXX XXXX, and lack of regard for the The complete CUSTOMER SATISFACTION GUARANTEE they advertise.
|
| 02/02/2022 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX SYNCB/PPC XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX.
IMMEDIATE NOTICE TO CEASE AND DESIST ALL COLLECTION AND REPORTING ACTIVITY ON THIS ACCOUNT.
As you are well aware, over 5 attempts have been made to validate this account with your company. Your company has been contacted personally in writing as well as via phone to discuss concerns about various points of inaccurate information that has been reported to credit reporting agencies. However, you have continued to deliberately deny my consumer rights. I have made your company aware of several inaccuracies regarding this account on numerous, documented occasions in my repeated request for proper and legal debt validation.
Here are the violations of federal laws that your company are intentionally engaging in : 15 U.S. Code 1692g - Validation of debts Notice of debt ; contents within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts -If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of XXXX XXXX [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
It has been revealed that you are in violation of SEVERAL FEDERAL LAWS. In accordance to the Authorization of Action : Authorization of Acts Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
Providing accurate information to Consumer Reporting Agencies 15 USC 1681 s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS!
-- Likewise, you are in violation of reporting in accordance to the Internal Revenue System. By federal law : You must report canceled debt as gross income on your business tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Also, it is important to notate that that on XX/XX/XXXX a request was made with a PayPal representative via phone, XXXX XXXX who acknowledged on a recorded line during the call that took place from XXXX to XXXX that the said account was in fact charged off. She acknowledged that the debt was illegally forwarded to XXXX XXXX XXXX and a 1099-C form was not mailed as requested. A request was made for this form during this conversation. To date, the consumer has not been provided such form ( s ).
Again, by definition of the IRS : Clearly states a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate.
15 USC 1681 s-2 states that you act as a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. Again, I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS!
Because of your unwillingness to comply to several federal statues, federal level complaints have been with the appropriate agencies not only against the company as a whole, but any third party retained by your company to continue in the illegal pursuit of such debt.
In closing, it can only be assumed that your company as well as any third-party agencies retained on your companys behalf are attempting to utilize consumer reports as a method of coercion against the consumer. This is unlawful and a separate complaint with the appropriate agencies have been filed as well. A request to research and review these business practices that your company continues to illegal engage in.
Immediate cease and desist of all collection activity for the violations in pursuing this account occur immediately. Furthermore, we demand any and all court proceedings be dismissed with prejudice, and all information which has been proven inaccurate be removed from all credit reporting agencies 10 days from the date of this communication.
Respectfully XXXX XXXX XXXX
|
| 10/16/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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The following has been copied from my initial document that I sent to the credit card company, Synchrony Bank, regarding a dispute for a failed appliance installation from Lowes on XXXX. This purchase was made with a store credit card. I have attached the document in full, as well as proof of payment and a log of my communications with the store to get it resolved. Additionally, I have attached all communications with Synchrony regarding the dispute, and a letter they told me they'd already sent but that I never received notifying me they were closing my dispute for reasons that are still unclear to me. To quote the letter : " The seller will not issue a credit for the merchandise as long as it is still in your possession. For further assistance, please contact the seller/merchant directly. '' I obviously already know this - I tried exhaustively to resolve this with the store and came to a standstill, which is why I filed the chargeback in the first place. " The seller won't refund you '' is not a clear or acceptable response from a financial institution, particularly when the purchase was made on a store credit card. ( Note : I have removed identifying information and case numbers from the following timeline, but they are included in the attached documents. ) Lowes Purchase and Installation Timeline XX/XX/XXXX - New washing machine was installed XX/XX/XXXX and hasnt turned on since installation. installer said water was coming out and that everything was working fine but machine was bone dry. Installers were named XXXX and XXXX. '' The older gentleman was amazing and really went out of his way to help me retrofit my stacking kit and safely install the machines. He seemed to lead the charge in every step, while the younger man seemed to me more of an assistant or apprentice. They took multiple extra steps to solve problems I was not anticipating. The younger man did the testing while older man went to wrap things up in the truck, said everything was good and then left. I watched from the other side of the porch and could see the lights were working and the dryer was spinning, so I assumed everything was fine. I was trying to be present but not physically in the way. I immediately tried to use and calibrate the washer and could not get anything going. Older man told me via text several hours later ( after I texted him to ask if they had actually gotten it to spin or see if I was missing something obvious ) that his guy said he tested it and water was coming in but I immediately was inspecting the machine after their departure and there was not a single drop of water, so I know that's not true.
XX/XX/XXXX - Customer care was called XX/XX/XXXX and the case was " escalated. '' I was told Id be contacted within 24 hours to schedule servicing. Customer care contacted me again on XX/XX/XXXX and scheduled a service visit for Saturday XX/XX/XXXX. Delivery window is XXXX.
XX/XX/XXXX - After taking the afternoon off work, I am disappointed that the repair team never comes. I was told when the installers called to cancel that I wouldn't be able to have have anyone out until Monday because all of tomorrows slots are full. When pushed on this, team members give vague I can email [ ___ department/company ] for you and tell them you need it sooner and theyll have to get in touch. Note that this phone call came through late enough in the day that Lowes ' customer care line was closed. The customer service hours are extremely inaccessible. I can not get in touch with anyone for confirmation of service. I called Lowes Customer Care, couldnt get anyone on the phone, and have called the delivery company independently and have been hung up on. I also emailed Lowes feedback via survey, independently from this case which I will attach below.
XX/XX/XXXX - I finally get in touch with a customer care associate. He informs me that my service call was booked completely wrong, and the delivery team was set to hook something up again and level the machine, which is inconsistent with what I have recorded as being the problem. He says if I really want it to be repaired then I need to get in touch with the manufacturer since thats where the warranty comes from, and if I want to replace it they couldnt guarantee the item would be in stock but he could send me down that road. I opted for a full replacement because I just want a washing machine as soon as possible. I was told Id be contacted within 24 hours to schedule that. I truly can not take any more time off work at this point and Im very frustrated, behind at work and have nothing to show for it.
XX/XX/XXXX - I was able to get in touch with customer care after I missed a call back from them, but only after an hour of trying. I was only able to get through by using the extensions for store employees, which I tried because the line dropped me 3 times while using the customer extension. When I finally got through the associate told me they would come tomorrow to pick up my machine but wouldnt install a new one until Wednesday because they dont do exchanges. I said I couldnt take two more days off for this and wasnt sure what to do because I had no time to spare, and at this point I had so little faith in them coming through on time or at all. I muted the call to discuss these options with my partner. We decided to try and go through with the replacement machine, so I unmuted the call and told her that was fine, but I wanted it in writing and that I would need it to be the afternoon windows or it would not be possible. She said she didnt know or have control over that - the delivery company handles that. I understand that - but I said there needed to be less middle men because I am out of time off and I would have to be able to get in contact with the delivery company. The associate hung up on me abruptly - I thought surely it had to be an accidental disconnect - so waited it out to see if someone would call me back and they havent. I am so sad. I wasnt yelling at her because I know shes just one person in this chain of nightmare communications, and its not her fault. I definitely made it clear that I was frustrated but Ive worked in customer service myself and would never take anger out on someone who didnt deserve it - I wasnt being aggressive or unreasonable. Im honestly just at a loss because I have never experienced anything like this in my life. Im out of options here, and I dont trust the Lowes installers to touch any part of my house or machines.
XX/XX/XXXX - I get a phone call for scheduled delivery this evening. I asked the installer what I was scheduled for ( because I had never recieved any follow up after the customer care rep hung up on me ) and he said I was gon na ask you the same thing! He said he was scheduled to level the machine ( as was already established, we do not need that done ) and also scheduled to remove and haul away the machine. I told him that I didnt need either of those things done and that he didnt need to come, and then I got a your delivery arrived! notification.
Feedback given directly to Lowes via survey on XX/XX/XXXX : " This has been an insanely bad experience. My washer was installed by 2 men - one older and one younger. The older man was extremely helpful and went above and beyond. The younger man followed his lead. He seemed to be an apprentice or assistant. When the machine was finally installed, the older man went back to get the truck ready to go while the younger guy tested the machines. I watched from a distance to not get in the way. I saw all the machines lights turn on, I assumed it was working. They left and I tried to start the machine, it turned on but I couldnt get it calibrated or to work at all. It was bone dry inside, not a drop of water. I messed with it for an hour or two before texting the delivery man and he said his guy told him he had tested the machine and that water was flowing in and everything. Thats a complete and total lie. By this time of course customer care was closed, I had to wait 3 more days to have what was supposed to be a repair or service call today, XX/XX/XXXX. Well, someone on the truck called about my scheduled install ( install?? I was told it would be a service call? ) this evening and said their truck was running 3 hours behind and wouldnt be able to get here until XXXX. My laundry system is outdoors and it would be dark. They told me they couldnt guarantee a spot for tomorrow because those spots were all full already, but this is the THIRD full day of work I have had to take off to wait for this machine install and repair and I still have NO working washing machine. I am just at a loss. The communication has been impossible, customer care hours are inaccessible and the installer literally lied about my machine working like I wouldnt notice? I mean what??
I will be calling customer care again first thing, but if I dont get a service call tomorrow I will be filing a credit card dispute. This is way too big of a company to have such a dysfunctional delivery system. ''
|
| 02/28/2018 |
Yes |
- Credit card or prepaid card
- Gift card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
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Well it all started when I purchased a XXXX XXXX XXXX XXXX rare car, on XX/XX/XXXX, the car was a XXXX, n I put of clean cash over 14'000 $ + to date, ( FORCED TO BUY CAR TO GET BACK FORTH TO COURT FROM IL TO XXXX COURT AFTER WRONGFULLY GETTING PULLED OVER STALKED FOLLOWED MULTIPLE LANES, THEN PULLED OFF HGWYAY, i80, dragnet, warrantleas sweep '' no " Warrant '' stole me ( IDENTITY THEFT VICTIMS THINGS (! WINDOW BUSTED INJURES BEAT N ROBBED OF FUNDS IN EXCESS OF 20000 $ OF LEGAL CURRENCY XXXX XXXX XXXX XXXX XXXX, XXXX, SIGNATURE FORGERER, A SSAULTER CONSPIRER, XXXX, ALL ENTIRE SHERIFFA DEPT OF XXXX N XXXX POLICE, CROOKED JUDGE XXXX XXXX N XXXX XXXX SOME XXXX COACHING THEK ON SIDE WHILE THEY TORCHERED ME SURGICAL INJURIES ) SEE CASE # CROOK LAWYERS INVOLVED XXXX,, FIRST XXXX ENTERED MY REAR END DAMAGING THE BOLT PIN IN THE DIFFERENTIAL HOUSIMG AREA, IM THE SUMMER MY REAR END WENT OUT CAUSING SEVERE XXXX INJURIES WHEN IT LOCKED UP ON XXXX XXXX , XXXX XXXX, NEAR XXXX XXXX, I WAA TOWED THEN CALLED XXXX CAUSE THE SHOP THAT CAUSED IT VIOLATED XXXX SUPPRESSION STATUTE XXXX UNREGESTERED WHICH IS A RICO '' SYNDICATE PLUS THEIR UNDISCLOSED CONTRACT WITH PACE BUS THEY BE XXXX, UP THEY BUSES TOO FOR PROFIT '' XXXX SAID '' COME ON ITS THIS PRICE BUT VIOLAtED THE receipt codes, didnt put on it they'd, keep car over 49 days cause my warrants to jump, cause me financial harms, n crippled a XXXX by, stealing my parts, goods, immobilizing my vehicle, ,engine, then got mad after reporting to crooked as XXXX, they threatened XXXX a XXXX female on calls n towed car away to a third party, n denied to tell me where it was the tow thief was on XXXX XXXX XXXX etc, in a hidden gate refusing to view car til pay, adhesive contract in fact the young cool tow truck driver stated that '*XXXX told me that I could have it some XXXX, XXXX, '' NOONEEEEE likes XXXX massive complaints he should be in federal prison as Should the owner of XXXX for Rico '' unregestered fraud scams by vendors whom take kickbacks paying bribes to state investigators at ruthless, mobb ATTORNeY GENERAL ThE CITY CONSUMER DIVISION, i dhr, ,XXXX, governors office for allowing it, n many more, place XXXX # XXXX XXXX XXXX, isn't Even XXXX which degraded me by deceit if I known it was XXXX I wouldn't had been thinking XXXX XXXX who lied stating " XXXX '' is the best n XXXX fix it n illegals work here are good similar to XXXX, XXXX promises supplied by their funnelers'rackeeteering bankers whom, havr allowed a NONREGISTERED SHOP TO DO BUSINESS IN THE NAME OF XXXX BUT ITS NOT THAT ITS NOT TAKE A CHANCE N RIDE SHOP ITS REALLY XXXX*!? NNOW AFTER GETTING DEFRAUDED LIKE THIS BY WHICH I LEARNED DROPPING OF CAR RECENTLY LAST FRIDAY I WAs DEVASTATED.BECAUSE THE GROTESQUE STATE OF XXXX, IS A RICO LAW BREAKER A RUTHLESS THUG LETTING BUSINESSES DO SCAMS N OTHER CRIMES vs US CITIZENS BY FOREIGNORS N XXXX!! XXXX @ HELP ANYWHERE AT ALL WHEM TJEY START COMING UP SHORT DONT ASK WHY ANYWHOOO # THE REAR END ENCOUNTER REPAIR GET ThE CAR running mission began here all XXXX XXXX XXXX, n XXXX 's fault to begin with, secondly the shop fixed the Car originally after all that sanatorium, by which XXXX XXXX XXXX SC excruciating hatful ATTORneY GENERALS OFFICE BIGOTS let them all escape XXXX! But XXXX charges pending and XXXX XXXX n are XXXX XXXX a illegal many other hatful, XXXX XXXX be ditching my great charges of not only credit fraudsters but civil rights HuGe violations XXXX suffers, i never filed complaint vs shop XXXX though but the bank involved gotstoopay! severely Count 1 ) Truth in lending Acts Violations ( 2 ( claiming falsely C 's me a Identity theft victim that I closed an account that I really did not close witness XXXX XXXX, XXXX driver known hole life this guy, had to takee to drip ( 1 ) rear end off and ( 2 ) drop off second time for ( SHOCKS REPAIR AND POTHOLES OF XXXX DAMAGES ThaT OCCURED ALL OVER STINKY XXXX CITY WHICH IS A XXXX, TOTALLY, I WISH XXXX ON IT FEDERALLY! broke rear fender bumper n tjee, ball joints front right strutshock, which XXXX XXXX XXXX XXXX STOLE DURING ONE VISIT VS MY WISHES THE FRONT DRIVERS SHOCK STRUT, BUT DIDMT ASK FIRST THEY REPLACED ONE AND NOT THE.OTHER SO IM XXXX NOW.ANYWAY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, crooks, CAUSED MY RADIATOR TO CRACK DUE TO NEGLIGENCE ON A THERMOSTAT BREAKAGE THEY CAUSED, THEY THEN RIGGED THE XXXX, CAUSING LEAKS N ENGINE DAMAGE LEADING TO THE ALLEGED BY THE SHOP -CRACKED '' RADIATOR '' ) -manager my man 's, first he promised me '' after keeping car over 4wks " I'm getting u a good rear end the one they sent no good junk, '' lie i almost lost my life over six times this winter swaying, ruthlesy on terrain cuz it's rear right bent not straight, even on dry land ( 2 ) this newest repair like Right now my car not here it's at XXXX XXXX XXXX XXXX shop for CITYS XXXX, on holes etc, all over unreal I was assured vsmy wishes '' get the car here radiator be here ull, hace car n two days, i dropped it they alleged we got ta go to a meeting and closed promptly at XXXX, its now Wednesday day of my Vitally important doctors appointment I have no cash No rides wayyyyoutttttTo, the suburbs and basically ( 4my XXXX injuries inflicted as I was beaten viscously into restraints them violently cuffed m beaten for two hours with a knight stick caused broken numerous bones by 1unknown XXXX of , n one XXXX XXXX XXXX police officer, n XXXX, XXXX nurse dr , n XXXX XXXX, XXXX XXXX unknown XXXX XXXX, XXXX broke my XXXX XXXX all-night vs wishes in restraints I was, cee, '' '' C '', XXXX, '' XXXX XXXX XXXX, XXXX, so many more , XXXX XXXX XXXX, ) XXXX XXXX @ @ judge XXXX stated as a XXXXonspirer, with advocate n her XXXX ties n undisclosed investments ventures she attacked me etc order stating '' He's making it all up, no one did this XXXX XXXX 's delusional '' ) occurence took place XX/XX/XXXX I was XXXX XXXX refused To leave hospital I took pictures before assault emailed it to governor 's office FED 'S, useless , marahalls effective the FTC, XXXX, XXXX XXXX at XXXX , XXXX, all my crew inspector general, oighotline, zilch, Noobe aidee XXXX XXXX I wish XXXX on all my assaulters, n many more, attorneys as proof capturing the moment XXXX ) this dr visit was relayed to shop n Corp XXXX XXXX, AND A MUST APPEAR COURT DATE ON XX/XX/XXXX WHERE, IF I MISS IT BONDS RUTHLESSLY GON NA BE JACKED UP IM ALREADY OUT OF XXXX AND OVER 8000 $ N BOND LUIT! IF TJE RADIATOR WHICH I WAA TOLD JUST A DAY BEFORE AT XXXX XXXX XXXX XXXX XXXX ALSO UNREGESTERED RICO '' ILLINOIS ALLOWED THAT, RADIATOR HAD NO LEAKS, PLUS THE ANTIFREEZE BOTTLE WAS DAMAGED CAUSING LOSSAGE DUE TO No back flow function cuz it was low, well part never came, either or XXXX 's engaged in a serious part up charge fraud, scam junkyard fraud pitch vs consumers with XXXX skin and XXXX I see no XXXX there n basically I said '' let me try out that the traffic car off when the parts about to come in I disagree with leaving it early cuz of the Last Cry how long they kept the car but I was refused to be accommodated at this request my car has been over there since Friday and that's Friday Saturday Sunday Monday Tuesday Wednesday seven days to do a XXXX XXXX XXXX XXXX radiator job? Banks tunneling n not telling " hay customer ''! It's not XXXX, or XXXX which is huge truthiness violation and thee, fact on first witnessed occurence n second time same witness my ability to use funds bank stated I got, was Given Or approved of was declined again unreal!! so ... leads to wonder what EXAMPLES THE CFPB NEEDS TO MAKE VS THIS REPAIR SHOP? BANK I MEAN DURING DRIPPIMG OFF CAR SECOND TIME A FINE APPEARED TO BE XXXX LADY XXXX STATED I DONT KNOW HER '' THEY REFUSES ME TO TEST DRIVE VEH, LEAVING SHOP, JUST AS MY FIRST VISIT, THEY REFUSED TOO TELL HER WHY SHE HAD NEW DAMAGES SHE DIDMT HAVE BEFORE AFTER THEY CONNED HER INTO KEEPING HER CAR! Xs '' I see Pattern, GROSS NEGLIGENCE XXXX TENDERING TO XXXX ALREADY SICK, PLUS FRAUD BY BANK AND BY SHOP? SOMEONE FENTOFEELHARDSHIP, IT WON'T BE ME! THEIRS BEEN HATFUL DISCRIMINATORY TREATMENT BY ISSUERS OF CREDIT UNDER 1964 CIVIL RIGHTS ACTS VS XXXX theirs been discrimination to use my credit free n free from nondisclosure hidden terms, interest, or any other rates n terms n Identity regarding thee, shops ability to fairly deal handle repairs the bank financiers them the vendor whom we can't find on secretary of state charter search during these periods plus theirs been humiliation n mistreatment embarrassment vs XXXX XXXX, XXXX XXXX XXXX @ and they basically punish others who always help the y XXXX XXXX but when u need. A ride it's all over or any favor after reporting both bank n the shop the XXXX XXXX, had someone XXXXmypaint, hood rare vinyl top and scratched my door hugely, this shops got ta go after my XXXX for all his or I'll sue, in federal court, is all completed n for breaking other bank laws requirements under sec.w witness XXXX
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| 01/09/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I purchased a mattress from XXXX XXXX in XX/XX/XXXX, to be delivered in XX/XX/XXXX. At that time, I also bought a mattress pad and pillow. I opened a store card so that I would be able to pay for my purchases, interest-free, over a 3-year period.Due to issues with my living situation, I had the delivery of my mattress delayed until I was ready to move. However, the mattress pad and pillow purchases showed up on the credit card on the date that the items were originally supposed to be delivered. I did not know what this amount was for, as I had no actual purchase on that date, and thought there had been fraudulent activity. So, I had the account shut down, and XXXX XXXX, the bank for the XXXX XXXX credit card, issued me a new account. I later realized what had happened and paid the charge in full. However, because the bank never sent me a statement with the new account number, I didn't initially realize I had to pay. I called the bank (without having received a statement, but wondering about it) and was told the payment was late, but they reversed the late fee since I had not received a statement with the correct, new account number.After the mattress was delivered (XX/XX/XXXX) and I began receiving statements for that, I paid on time each month. The minimum due is $XXXX/month, and I pay $XXXX each month. I use the bill-pay option with my bank, and have the NEW account number attached to the payment. On XX/XX/XXXX, I received an email from XXXX XXXX saying that I was delinquent with my payment, and that I should call as my account was past due, even though I had made my payment on time. I spoke to XXXX on XX/XX/XXXX, who told me that the payment had not gone through and said I needed to contact my bank, as they were the ones who had denied the payment. (He saw that the payment was made on XX/XX/XXXX, but said that the payment did not go through.) I told him this was not true--I had plenty of funds to cover the payment, and in fact the payment had been debited from my account. He asked if I could fax them a copy of my statement showing that the funds had been debited from my account. I did fax a copy on XX/XX/XXXX, showing that the money from my account had been removed and paid to XXXX XXXX.I called again on XX/XX/XXXX and spoke to XX/XX/XXXXXX/XX/XXXX. He did not seem to have a record of the fax I had sent the prior week. However, he said that it looked like my payments were going to the defunct account (the one that had been closed when I thought there was fraudulent activity). I said that made no sense--there is no balance on that account, and I was sending payments to the other one. He said that he would make a note of my complaint, and that it would be looked into. I asked when this would be taken care of--he said he could not transfer the money from the incorrect account to the correct one himself--and he said to call back in a week. XXXX. XXXX was very difficult to understand and the nature of the call was very frustrating.Throughout all this time, I keep getting emails from XXXX XXXX saying that I have not paid, even though I have and have been trying to take care of the situation.I called again on XX/XX/XXXX and refused to speak to the person answering the phone, saying I would like to speak to a supervisor. I was transferred to XXXX. I explained what had been happening, and she said that she had a record of my calls, and that it was being looked into and that the problem should be resolved. I told her I was getting emails saying I was delinquent and she said to ignore them, that they are just generated by the system. She also said I could follow-up again the next week. She said I might be paying the wrong account. I insisted I had the correct number of the 2nd account, but said I would double check just in case. (I did double check and indeed the correct account number was attached to the bank payments.)The following week, on XX/XX/XXXX, I received a call from XXXX XXXX (I did not get the person's name). The man said that he was calling to follow up on my concerns. He made sure that he understood what had been happening, and said that he was going to be transferring the now $XXXX credit ($XXXX for each of 3 months) that had gone to the incorrect account, to the correct account. I said that I thought this was already being taken care of, but he said he would be the person doing the transfer. I assumed the problem was finally being taken care of.OnXX/XX/XXXX, I received an email from XXXX XXXX (I have an account with them) saying my credit score had gone down. I have excellent credit, and the only reason this could have happened is because of the problems with XXXX XXXX.On XX/XX/XXXX, I received a check in the mail for $XXXX. Instead of crediting the 3 months of payments I had made by transferring the $XXXX as they had said they would do to the correct account, XXXX XXXX instead returned those payments to me. They then turned my account over to a collection agency. On XX/XX/XXXX, I received an email saying that my account had been turned over to XXXX XXXX XXXX, and that I should call them about the account. As I had had the $XXXX in payments returned to me, I understood that this was now a collection agency, and that I'd better pay again as they now did not have the $XXXX in payments I had made.On XX/XX/XXXX, I called XXXX XXXX and they verified that they are a collection agency. I spoke to XXXX XXXX and told her what had happened, and said that I would pay the $XXXX since it had erroneously been sent back to me. She listened to my story and was concerned, so she offered to pass me to a supervisor. I then spoke to XXXX XXXX, who simply collected my $XXXX payment. The total bill was $XXXX, and I felt that this extra amount was a late charge. I told her I would not pay the late charge as I have never been late with my payment. I then tried calling XXXX XXXX to follow up with them about what had been happening (still on XX/XX/XXXX). It took me FIVE TIMES to be able to get through to them. The first time, after I entered in my account number, the system hung up on me. The second time, the call got pushed through to the collection agency, and I thought I had dialed the wrong number. The third time, after entering my account information, the system hung up on me AGAIN. Specifically, both times, the automated system said, "Your call cannot be transferred" and the system disconnected. I called a 4th time and it happened AGAIN. The 5th time, I called from a blocked number, and pretended I didn't know my account number. Only because of this, I was able to be transferred to a XXXX XXXX employee.I spoke to XXXX, who said that she could not remove the late fee. So, I asked to speak to a supervisor, and spoke to XXXX. She also told me that she could not remove the late fee because they had done so earlier in the year, and do not do so more than once per year. (The first time was when they had not sent me a statement with the new account number.) She said that a formal complaint was filed on my behalf on XX/XX/XXXX, and that they won't credit the late fee until the complaint is resolved. She said if they saw that I was making payments on time, they would likely reverse the late fee. I asked when the complaint would be resolved, and she said within 30 days. I said it had been over 30 days, so I would like an answer, and she then said that it would be resolved within 30 days OR MORE. I commented that it seems as if this could just go on without an end in sight, and she suggested I call back in the next week. We discussed the fact that the $XXXX was due by XX/XX/XXXX, and since I would be paying my next monthly installment of $XXXX, that would be added to the already-paid $XXXX, and so I should not get another late fee as the upcoming $XXXX payment would more than cover the rest.On XX/XX/XXXX, I received a certified letter from XXXX XXXX, dated XX/XX/XXXX, saying my account was going to collections.On XXXX, my bank sent my next $XXXX payment to XXXX XXXX (payments are due the 10th of the month). I realized I was likely to have a problem with that payment not going through, so I decided to go to the XXXX XXXX website (mysynchrony.com) and make a payment directly to them. I did so for $XXXX. However, I am concerned that it showed me still owing $XXXX on my account, even though I had paid $XXXX of that 6 days earlier directly to the collection agency. That XXXX had been debited from my bank account that same day.For the current month, I have now paid $XXXX total--$XXXX to the collection agency, and another $XXXX in two separate $XXXX payments. Today, XX/XX/XXXX, when I went to their website, it only shows the $XXXX credit done through their website, and says I still owe $XXXX, which I do not. I am worried that they will now charge me more late fees, even though I have significantly overpaid what is actually due.
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| 12/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Consumer Financial Protection Bureau FTC Online Dispute Processing DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
VALIDATE TIMELINE LEGITIMACY OF EACH ACCOUNT POR REMOVE PERMSANENTLY!
XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX/XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX/XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX/XXXX XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) XXXX ACCOUNT # XXXX ( DELETE ACCOUNT ) On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 07/21/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Hello. I wanted to send an email to discuss the issues that I am having with your organization. I didnt want to go this far, however I have exhausted all other avenues to get an issue resolved with the organization that you head as CEO. I hope this letter finds you in good spirits as we do not like to hear about the bad things going on in our organizations, however these items need to be brought to your attention.
My identity was stolen in XX/XX/XXXXwith a lost wallet and also again in XX/XX/XXXXwith the XXXX Data Breach. I found out about a Wal-Mart store credit card that is on my credit report. The card was fraudulently opened in my name and I had no idea whom used my information other than the accounts were opened online at the retailer website and approved. This person used my SSN, DOB, Address, a fake email address and also opened several other accounts with other financial intuitions, which I may add that were all closed as fraud and identity theft and have been removed from my credit report. I am dealing with your organization Synchrony Bank ( Wal-Mart Credit Card ), and two others whom are very difficult to deal with and refuse to look at the facts like to other 11 creditors and removed them as fraud.
On XX/XX/XXXX I mailed Synchrony Bank the FTC fraud affidavit, my police report and also documents to prove who I am and that I did not open these accounts. The Items were delivered to your organization in XXXX, GA and XXXX, FL. The accounts that were opened in my name were a Lowes Advantage Account with Lowes Stores, a Amazon Store Credit card, and also a Walmart Store credit card. I will say that I have resolution on the Lowes Advantage Credit card and it was removed from my credit and I was found not liable for the charges. When looking at the facts Synchrony Bank released me from this Lowes store credit card, because they knew it was fraudulent just like the Wal-Mart and Amazon cards. I will be reaching out to Amazons CEO as well.
On XX/XX/XXXX, I contact my identity theft protection and I also provided an Attorney in Fact POA to your organization, my attorney who is handling sent XX/XX/XXXX and received confirmation as well that it was signed for and then the fraud investigation began. I was told when I called on XX/XX/XXXX that all accounts would be looked into and in good faith sent the documents to prove my case to Synchrony Bank that the Wal-Mart Credit Card was opened in my name without my consent and was not aware of them. I have called several times and asked to speak to a manager of the fraud investigations department and was advised they do not take calls by contact names XXXX and a XXXX. My POA has also called which is my Attorney handling the case and asked to discuss the account and numerous times they have denied her access to the information. I have called again today XX/XX/XXXX and spoke to a XXXX and also a XXXX and my Attorney called and spoke to a female whom was not helpful other than to state that they found the information and will have the POA added to the account. When I spoke to XXXX on XX/XX/XXXX, he states he will send a escalated request to have the POA added and I demanded that after we have faxed and mailed documents 4 and 5 times that this is a little out of hand and someone is not doing their job only to find out that the paper work was just sitting on an employees desk and had not been entered into the system. If I would run the organization that I work for like that there would be some very large changes to the process to make this simpler for the consumer as well.
On XX/XX/XXXX, I filed a Consumer Protection Bureau complaint against Synchrony Bank for violation of the Fair Debt Collection Act, the Fair Debt Billing Act and also being in violation of regulations E and Z of the Truth and Lending Act. Synchrony Bank has not been honest with my attorney or myself in regards to this fraud case for the Walmart Store Credit Card, I was never notified and was never shown any information from Synchrony, about bank about rates and any other items had these cards were opened in my name as it is by law that you mail this information and these cards would have been caught sooner than now. Synchrony Bank has failed to provided me with any resolution and the Consumer Financial Protection Bureau will be seeking and watching for the response to me, which I have received on XX/XX/XXXX and this is why I am emailing you now Mr. XXXX. I have also filed a complaint with the Office of Comptroller of Currency against Synchrony Bank.
On XX/XX/XXXX a XXXX from Synchrony Bank corporate office called me and advised she is in receipt of my complaints and will respond in 10 business days. XXXX called from XXXX with a call back number of XXXX extension XXXX and I have yet to her from her. When I also spoke to XXXX he told me of the correct PO BOX in Ohio and the Fax # of XXXX, and we faxed the documents again and the case still remains open without any resolution so we sent again in good faith to your organization the documents by fax on XX/XX/XXXX and also by certified mail to the XXXX XXXX XXXX Mail Code XXXX XXXX, OH XXXX, which will be delivered this week.
Mr. XXXX, I have done my research and found that Wal-Mart sued Synchrony Bank, XX/XX/XXXX for relaxing their credit standards and allowing things like this to occur. While reading this it brings to my attention that your organization saw something that triggered it to sue Synchrony Bank, whom manages your store credit cards, while your organization was trying to transfer the management of the cards to a more reputable organization like XXXX XXXX, however you had to drop the lawsuit due to the losses your organization would have suffered from Synchrony at 11 % value and XXXX XXXX was not willing to pay the loss in value to take over management of the credit cards your store offers to its consumers ( XXXX XXXX XXXX ).
Mr. XXXX, when I read that after the time I am having with this bank that services your store credit cards, it make me wonder what else are they doing and allowing things like customer fraud and identity theft being involved. I was a valued Wal-Mart customer, and there is a store right where I live and I avoid it and drive 15 minutes to a XXXX. I know it may not mean much to you, but you have lost a valued customer at your store because of the company your organization keeps. I have dealt with Synchrony Bank all the way to the CEO XXXX XXXX office and no results or amical resolution. I also will be hiring an attorney and seeking to sue Synchrony Bank for mismanagement of this account and them allowing fraud and identity theft to occur. I would hate to bring Wal-Marts brand in along with this lawsuit. This is why I am reaching out to you. To seek your assistance with this fraud of a bank that your organization lets manage its credit cards, and reach an amical resolution to benefit us all.
My concern is if your organization allows Synchrony Bank to treat your loyal customers, whom show that they are victims of identity theft and also that person in good faith provides documentation that the accounts are fraud and they never opened them, nor made payments what is the issue? Does your organization continue to allow a company that violates laws set forth by the Congress of the United States of America and the Governmental agencies that monitor banks like Synchrony Bank?
On a personal note does Wal-Mart not have any empathy for someone like myself who has to deal with this? This has placed a tremendous amount of stress on me and thats why I have hired the attorney and my identity theft protection to take care of these matters, when I have to call 10 times to ask if a POA is on an account or why are you still holding me responsible for something that I did not do this is just unfair banking practices that Synchrony Bank participates in harming Wal-Marts brand and putting your organization in harms way of litigation.
Also to receive additional statements for balances owed and this is something that I did not apply for or acknowledge is a violation of the Fair Debt Collection Act, and I expect Synchrony and Wal-Mart to cease and desist. I want this removed and closed and letter sent.
The organization claims in pervious complaints that they opened the claims twice but each time came back with a different answer to try and hold me responsible for an account that was opened in my name fraudulently. If they would look at the facts and all the documents sent then they would realize that this account is fraud and they need to close it. Instead they keep on hanging onto open for a year and payments and then change it to benefited from goods and services. This makes no sense and, the organization Synchrony Bank has no clue to what they are doing.
|
| 07/06/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2022, I sent a Validation of Debt to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit B ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per USPS tracking [ Exhibit C ]. The C.F.O. for SYNCHRONY BANK failed to respond to the Validation of Debt Letter via a commercial affidavit under penalty and perjury by certified mail within ten ( 10 ) days from the date of receipt of receiving the letter [ Exhibit C ]. The C.F.O. for SYNCHRONY BANK, failed to clearly and explicitly provide me with the specific demands in the Validation of Debt Letter. A representative for SYNCHRONY BANK responded with statements which, pursuant to federal law, does NOT validate debt. No where in the law does it state that statements validate a debt. Moreover, if we want to get more technical, pursuant to federal law, a LAWFUL contract is : A Valid Offer, Adequate Consideration- must be TANGIBLE consideration, Valid Acceptance, Sound Mind/Mental Clarity and Meeting of the Minds + Wet Ink Signature ( both parties ). There is no way that SYNCHRONY BANK can provide that proof because I have never met in person with the C.E.O. to discuss any alleged contract. This then provides proof that I never signed any alleged contract agreement in wet ink and neither did the C.E.O. for SYNCHRONY BANK. Furthermore, on XX/XX/2022, I sent a Cease and Desist Letter to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit A ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per USPS tracking [ Exhibit C ]. The C.F.O. for SYNCHRONY BANK breached the cease and desist orders by contacting me after the fifteen ( 15 ) days from the date of receipt of receiving the letter violating 15 USC 1692c ( c ) [ Exhibit C, Exhibit I, and Exhibit L ]. SYNCHRONY BANK proceeded to create a new account without my written instruction or authorization. This is unauthorized use of my social security number and unlawful. I did NOT and continue to NOT consent to any and all contract agreements in regards to the new account. I am not liable to pay a debt on an account I did not give written consent to open [ Exhibit G ]. Speaking of payment, pursuant to 18 USC 8, it explicitly states the obligations of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. It is the US Fiduciary Obligation to pay the debt. With that being said, I owe SYNCHRONY BANK nothing, making all statements, emails and letters from SYNCHRONY BANK stating I owe a debt are invaild, billing errors, harassment, fraudulent, and false and deceptive forms. They are all fraud in the inducement. I am well aware that credit is the right granted by a creditor to defer payment of debt or to incur debt and defer its payments- pursuant to 15 USC 1602 ( f ). In conjunction, I am also well aware pursuant to 15 USC 1602 ( g ), creditor refers only to a person, meaning not the organization but only a NATURAL PERSON, meaning I, the affiant and consumer, who regularly extends consumer credit, in connection with loans, sales, property and services payable by agreement. As Ive already mentioned, pursuant to 12 USC 1431, the powers and duties of banks are to borrow and give security therefore and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. No where in the law does it state that banks have the power to loan money out or extend credit. I am aware that I am the Original Creditor pursuant to 15 USC 1602 ( g ), and I extended credit via my social security card. Furthermore, only the Original Creditor can validate a debt, therefore any claim that SYNCHRONY BANK validated a debt is FALSE, as they cant. Only I can because I am the Original CreditoXXXX. UNLESS SYNCHRONY BANK can provide the LAWFUL ORIGINAL CONTRACT stating I agreed to pay the debt with my signature in wet ink, the claims made by SYNCHRONY BANK are false- which SYNCHRONY BANK failed to do in response to the Validation of Debt Letter sent on XX/XX/2022, sworn and notarized Affidavit of Truth sent on XX/XX/2022, and Notice of Fault and Opportunity to Cure Letter sent on XX/XX/2022. With that all being said, ANY credit agreement is null and void as it is not a LAWFUL contract/agreement as it does not state the accurate creditor to whom the debt is owed or the identity of the original creditor which is false and misleading representation/identity theft, violating 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 2 ) ( B ), 15 USC 1692e ( 10 ), 15 USC 1692f, 15 USC 1692j and also 15 USC 1602 ( k ) of the Truth in Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). All credit reporting is also incorrect and a violation of 15 USC 1692e ( 8 ) of the FDCPA. Moreover, on XX/XX/2022, I sent a sworn and notarized Affidavit of Truth and Invoice in the amount of {$23000.00} to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit N ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per the date stamped on the return slip [ Exhibit N ]. The C.F.O. for SYNCHRONY BANK, failed to lawfully rebut the Affidavit of Truth within ten ( 10 ) days via another affidavit rebutting all violations stated. Pursuant to the laws of Commerce, an unrebutted affidavit stands as truth. Therefore, the C.F.O. for SYNCHRONY BANK, consents to all judgements made and is liable to compensate me for all violations stated via the amount stated in the invoice of {$23000.00}. On XX/XX/2022, I sent a Notice of Fault and Opportunity to Cure Letter to the C.F.O. for SYNCHRONY BANK via certified mail with a return slip [ Exhibit O ]. The C.F.O. for SYNCHRONY BANK received the letter on XX/XX/2022 per USPS tracking [ Exhibit O ]. The C.F.O. for SYNCHRONY BANK failed to cure their faults within ten ( 10 ) days via a commercial affidavit to validate the alleged debt and another affidavit to lawfully rebut all violations stated in the Affidavit of Truth. The failure to cure and honor their faults places the C.F.O. for SYNCHRONY BANK in DEFAULT. The C.F.O. for SYNCHRONY BANKs failure to cure their faults also means the C.F.O. for SYNCHRONY BANK willfully and knowingly violated my federally protected rights and consented to all judgements made by the Affidavit of Truth. The C.F.O. for SYNCHRONY BANK is liable to compensate me for the violations committed stated in the Affidavit of Truth, as well as any accumulated additional violations committed since. This amount is stated in the Bill of Particulars [ Exhibit P ]. As a last measure to stay in honor with federal law, I sent the C.F.O for SYNCHRONY BANK a notarized Notice of Default and Consent to Judgment Letter on XX/XX/2022, received on XX/XX/2022 [ Exhibit P ]. I provided the C.F.O. for SYNCHRONY BANK the opportunity to cure by default by completing all of the following actions within ten ( 10 ) days from receipt of receiving the notice. SYNCHRONY BANK failed to do so. Lastly, I sent a Certificate of Notary of Dishonor and Non-Response Letter and put all of my claims thus far on the record with a witness- which was sent to CFO for SYNCHRONY BANK, and received on XX/XX/2022. I received the letter labeled Exhibit R in response. As you can see, this letter from XXXX XXXX of the Office of the President, is not in the form of a commercial affidavit signed under penalty and perjury. Therefore, this response is unlawful and no claims made are interpreted as Truth. Furthermore, I continue to be sent statements in the mail for this fraudulent account in question- which is a result of mail fraud and a criminal violation of 18 US 1341 [ Exhibit Q and Exhibit S ]. This is harming my reputation and causing my life so much mental, emotional, and financial distress. I have done all there is to stay in honor in alignment with federal law and SYNCHRONY BANK continues to violate my federally protected consumer laws under 15 USC Chapter 41. I have given SYNCHRONY BANK ample opportunities to provide proof of claims and they have failed to do so. As you have read, I put my entire process on the record via the XXXX XXXX of XXXX and XXXX.
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| 12/31/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Please review COMPLAINT ID XXXX submitted on XX/XX/XXXX. This was not resolved satisfactorily for the consumer. XXXXSynchrony Bank misled us numerous times- insisting from the outset it was not too late to request a refund from a fraudulent vendor of a malfunctioning XXXX computer XXXX Through MULTIPLE phone calls, XXXX XXXX XXXX customer representatives told us the dispute was still pending, told us to ignore emails to the contrary and multiple times, told us the dispute was resolved IN OUR FAVOR. This was a repeated falsehood causing us much time and many decisions based on false information. Banks need to be responsible to their customers. If you offer facts, you need to stand by what your reps insist is true. This bank, which has a terrible reputation overall, is a predatory institution that needs to come correct.
DETAILS ARE AS FOLLOWS : Im writing to report the abusive practices and incompetence of Synchrony Bank with regard to my XXXXSynchrony credit card, practices that included broken promises, conflicting information, and disgraceful customer service for 11 months which finally resulted in a mishandling of my dispute with a scammer vendor that any other credit card would have resolved in our favor.
On XX/XX/XXXX, we purchased a XXXX XXXX XXXX laptop computer from a merchant on XXXX for {$1200.00} using our XXXXSynchrony Bank credit card XXXX Soon after the purchase, we began to have problems with the units power system. After a year and a half of purchasing a series of batteries and power adapters, we found many complaints about this model of XXXX computer saying it was a lemon. I reached out to the merchant about how the computer had failed but he refused to accept a return, refund or exchange.
On XX/XX/XXXX - I called the credit card Id used for the purchase - XXXXSynchrony Bank - about the possibility of disputing the purchase of a faulty XXXX computer on XXXX. I explained the timeline, to make sure it was a valid dispute given how much time had passed. THE REPRESENTATIVE ASSURED ME THAT MY CLAIM WAS WITHIN SYNCHRONYS ALLOTTED TIME FOR VALID DISPUTES. The representative opened the claim and advised me on how to follow up with my supporting documentations. The rep told me to mail a detailed history of the claim along with receipt, history of the purchase of replacement batteries, and all documented attempts to reach merchant to : Synchrony BankXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX The phone call CONFIRMATION # was : XXXX On XX/XX/XXXX, I received an email alert taking me to an affidavit from Synchrony Bank confirming they are reviewing my claim and are working to resolve it.
FromXX/XX/XXXX, my partner ( additional cardholder ) and I spent many hours gathering the aforementioned documentation and logging a detailing history of our claim.
On XX/XX/XXXX, I mailed a detailed history of my claim and all supporting evidence to Synchrony Bank via USPS Within a week ( late XX/XX/XXXX ) I received a text confirmation that Synchrony Bank was working on my claim but that it would take longer than usual due to COVID-19.
On XX/XX/XXXX, I received via email a survey about how well I felt my claim was handled, now that it had been resolved. I had not heard it had been resolved.
On XX/XX/XXXX, I called Synchrony Bank about the survey and asked what was going on? How could my claim have been resolved when I had not heard anything about it? The representative put me on hold to research my claim. When she returned, she claimed that the dispute was not resolved, was still on-going and that I would hear from them. The representative reassured me and told me that things were taking longer due to COVID. So I deleted that survey email.
On XX/XX/XXXX, I called Synchrony Bank for an update. The representative told me the claim was resolved. She said it had been denied because Synchrony Bank only disputes purchases made within 60 days of the claim. She claimed Synchrony Bank sent me an email on XX/XX/XXXX, XXXX, telling me claim was closed. She said it was both a letter attached to my account portal AND a letter would have been mailed to me. But I didnt have an on-line account for Synchrony Bank, therefore have no portal. AND I received NO letter in the mail. In fact, the only email I got from Synchrony Bank was on XX/XX/XXXX, telling me Synchrony Bank was reviewing my claim!!!
On XX/XX/XXXX, Synchrony Bank lowered my credit from {$6000.00} to {$1000.00} even though Ive always paid my balance in full on time, because of inactivity, which for me- is due to COVID. This actually BROUGHT DOWN MY CREDIT SCORE - right when I was considering moving to XXXX XXXX!!!
On XX/XX/XXXX, I called Synchrony Bank to clear up all these discrepancies. The rep ( XXXX ext XXXX ) said the claim is still open, that they usually take 45-60 days - but because the purchase was so long ago - and due to COVID - its taking longer than usual. She also said that the information that Synchrony Bank DOES NOT LIMIT CLAIMS TO ONES GOING BACK 60 DAYS!!!
On XX/XX/XXXX, I called Synchrony Bank and spoke with XXXX who said claim is closed She OPENED A NEW DISPUTE, said it will take 90 days. She said that in 7-10 days, Id be getting a letter. I NEVER RECEIVED A LETTER On XX/XX/XXXX, I received a digital email from Synchrony Bank saying, We have received an inquiry on your account regarding an amount of {$1200.00} dated XX/XX/XXXX. We are unable to locate a transaction matching that information on your account. I had no idea what this meant. It was confusing.
On XX/XX/XXXX, I received another survey. Hi! Thanks for working with us on your recent XXXXcredit account dispute, resolved on XX/XX/XXXX. We hope your inquiry was handled quickly and easily! To improve the service we provide, wed like your feedback. Please take a few moments to complete this short survey regarding your experience. Again, since Id not been informed of any resolution, I was confused and frustrated.
On XX/XX/XXXX, I called and spoke with XXXX who looked up our case and said it was resolved in our favor, will be getting a letter in the mail with the details in 7-10 days. I never got this letter.
On XX/XX/XXXX, I called and spoke with XXXX who confirmed the dispute was resolved in our favor on XX/XX/XXXX. She said I would receive a letter XX/XX/XXXX, that the money would be credited to our account right away but that it would take 1-2 billing cycles before the funds could be mailed to us as a check. Again, I received no letter.
On XX/XX/XXXX, I opened an on-line portal for my Athleta credit card account ( which also was a protracted process because I could not close my on-line portal for my GAP ( also Synchrony ) card account that I closed many years ago. ) After finally getting on-line, to my surprise, I STILL had not been credited the amount of the dispute being told TWICE it was resolved in my favor. So I called and spoke with a customer rep who said the dispute was NOT resolved in my favor. This time, after so much misinformation and obfuscation, I asked to speak to a supervisor. He transferred me to a manager. This woman, whose name I forget unfortunately, was rude and patronizing. From the start, she would not let me finish a sentence until I had to assert myself. Even then, she did not listen to anything I said and shut me and my partner down. She said it was never resolved in our favor and when Customer Service Reps say that, it simply means it was resolved. Period. She said that the confusing email from XX/XX/XXXX was because the customer rep ( XXXX ) who reopened the dispute on XX/XX/XXXX put the wrong date down. This manager took no responsibility for the gross incompetence of Synchrony Banks staff through-out entire process. She also claimed that - as opposed to what I was told SEVERAL TIMES- including from the VERY START, the dispute was too old. Though she re-opened the dispute but said that Synchrony Bank will never resolve this dispute in our favor because I still have the computer and it was too long ago. The fact that I asked about the time period on the first day I called, almost a year agoand was assured it was fine, and the fact that I continued to be told that again, during the middle of the processwas irrelevant to her. This is CONTRARY to what I was told originally. Nor is it what I was told through-out the process. Synchrony Bank wasted a week of our time spent gathering the materials, as well as countless hours on these phone calls. They also brought down my credit rating even though I always paid on time. Any other credit card would have resolved this in our favor. Synchrony Bank is reckless and abusive of its customers.
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| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MY ACCOUNT!!! Ive NEVER had car insurance with XXXX XXXX XXXX. Please have the creditor provide the consumer with a copy of the actual insurance contract and/or policy bearing my signature, the Title Holder and VIN number for the car that was insured, and proof that I am the owner of the car that was insured. I should have ZERO collections on my credit profile.
These negligent and egregious actions by XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX, XXXX, and ALL other Credit Reporting Agencies has daily irreparably harmed me as a consumer causing damages to me and my family in the form of Denial of Credit opportunities for myself and my business, Denial in Mortgage Loan Applications, Denial of my Security Clearances, and the Denial of employment opportunities directed connected to my inability to obtain a Federal Security Clearance which is based in part on my Credit History. As such, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies reporting this incorrect information has full legal liability for several causes of action to include but are not limited to Fraud, Identity Theft, the violation of my 5th and 14th Amendment Due Process Rights, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!!
Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC, XXXX, and ALL other Credit Reporting AgencieXXXX use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.
EXHIBIT A, PAGES 4 - 13 F. Accounts This is a summary of ALL of the Credit Accounts as they appear on my XXXX Credit Report and my rebuttals, comments, and changes that need to be made related to these accounts. They are numbered EXACTLY according to how they numerically appear in Exhibit A.
1 ) XXXX XXXX XXXX XXXX Account Number : N/A Consumer initiated the closure of this small credit card account in XX/XX/XXXX. Page 4 of my XXXX XXXX XXXX enclosed as Exhibit A, INACCURATELY reports that I have a balance of {$470.00} due on my XXXX XXXX XXXX XXXX XXXX, which is INACCURATE. This reporting by the CRA Defendants doesnt credit me for the total of {$300.00} in payments that I TIMELY made on my XXXX XXXX XXXX credit card over the months of XXXX and XX/XX/XXXX. As direct evidence, Exhibit D is a print of my XXXX XXXX XXXX bank statements showing how I paid {$150.00} in XX/XX/XXXX and {$150.00} in XX/XX/XXXX towards my XXXX XXXX XXXX credit card account. As such, the balance on my XXXX XXXX XXXX credit card should only read {$170.00} across ALL of my credit profiles with ALL Credit Reporting Agencies!!!! PLEASE UPDATE AND CORRECT THE INSTALLMENT DEBT PORTION OF MY CONSUMER CREDIT REPORT IMMEDIATELY TO REFLECT THESE CHANGES!!!! See Exhibits A-D.
This account also INACCURATELY reports that I have one ( 1 ) instance of being late and/or delinquent for more 30-days on this account which is FALSE and FRAUDULENT INFORMATION!! Ive NEVER been late in paying on this account. NEVER! This is an INACCURATE and DAMAGING statement on my credit profile which has caused me considerable irreparable financial, emotional, and psychological harm to both myself and my family by both the Creditor and the CRAs in clear and direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ; the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq. ; the 5th and 14th Amendments to the U.S. Constitution Due Process clauses ; and Maryland Law regarding Fraud, Identity Theft, and Tortious Interference, to name a few.
I demand that XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies also use Exhibits A-D to CALL ME AT XXXX AND IMMEDIATELY UPDATE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, AGED, DUPLICATE, AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.
23 ) XXXX XXXX XXXX, XXXX. XXXX Account Number : XXXX Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 13 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law. As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report?
Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.
24 ) SYNCB/SAMS CLUB XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 12 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on Credit Report?
Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that SYNCB/SAMS CLUB, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.
25 ) SYNCB/BELK XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 18 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report?
Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that SYNCB/BELK, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.
26 ) SYNCB/ROOMS TO GO XXXX Account Number : N/A Credit account is accurately reporting HOWEVER, the Date of Last Activity reported is 18 years ago in XX/XX/XXXX, and the last date of reporting was supposed to end in XX/XX/XXXX pursuant to the FCRA and Maryland Law . As such, why is this PAID, CLOSED and AGED account still being reported on my Credit Report?
Pursuant to the FCRA, the Maryland Fair Credit Reporting Agencies Act, the 5th and 14th Amendment to the U.S. Constitution, and the Maryland Bill of Rights, I demand that SYNCB/ROOMS TO GO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ALL other Credit Reporting Agencies use Exhibits A-I to CALL ME AT XXXX AND IMMEDIATELY DELETE & REMOVE THE ABOVE AND HEREIN MENTIONED INACCURATE, FRAUDULENT AND NEGLEGENTLY REPORTED INFORMATION FROM MY CREDIT PROFILE WITHIN THE NEXT FIVE ( 5 ) BUSINESS DAYS pursuant to the Expedited Dispute Resolution procedures of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.!!!! See Exhibits A - I.
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| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX XX/XX/XXXX, I disputed inaccurate information reporting on my credit report by Synchrony Bank - Sams Club. I was notified by the 3 credit reporting agencies, XXXX, XXXX and XXXX that the information was verified. I disagreed with this information, so on XX/XX/XXXX I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes.
Ive also requested procedures in place for the bureaus because they have continually reported inaccurate information, knowingly and willingly. I sent a follow up on XX/XX/XXXX. I wanted to follow-up with the 3 credit reporting agencies, XXXX, XXXX and XXXX. I notified them of the errors with the reporting and made it evident that they were knowingly and willfully reporting inaccurate information. This is my exact reason for my dispute : Please verify this account and It's a shame how you have conducted and supposedly verified this account. The errors are evident as they are inaccurate in more ways than one. When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. Should you deny my request, I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I don't agree with the Credit Limit listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Please confirm the Status Code is also correct. I would like you to provide me with the Metro 2 Format, specifically Base Segment, Field 17A. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Please take my request seriously. You have again confirmed to me in writing that the information reported is in fact accurate. It is now my opinion that you may have mix or mis-merged this file onto my credit report. After my research, I have found that mis-merged files occur largely because the CRAs ' computers do not use sufficiently rigorous score or scale thresholds to match consumer data precisely, even when such unique identifiers as Social Security numbers are present. The nationwide CRAs rely on a match of only seven of nine digits of the SSN ( See Reeves v. Equifax Info. Serv. ) The CFPB has identified mixed files as a particularly challenging problem. I again request that you immediately remove this account from my credit profile. Last month, I requested you to provide me with the " reasonable procedures '' that you have in place, yet you didn't provide anything " specific '' with " first-hand knowledge '' about this reporting. Need I remind you that these procedures are designed to prevent inaccuracies. I've requested this in writing and once again, you have failed me. It is my right to know that you have actually followed YOUR own procedures. ( Rothery v. TransUnion, LLC. ) It's not enough to just have procedures put in place but that the employee also follows the procedures in each and every report they prepare ( See Konter v. CSC Credit Serv., Inc. ). You must not just have reasonable rules, but your employees must strictly follow those internal CRA rules ( Carroll v. Exxon Co. ). The FTC staff indicates that " [ o ] ne of the most significant compliance procedures to assure accuracy will be the training of new personnel and the retraining of current employees from time to time. Even isolated instances or error should be followed up and procedures adjusted in order to correct the cause of the error '' ( FTC, Compliance with the Fair Credit Reporting Act ). Since you have failed yet again, I implore you to do the right thing and remove this from my credit report.
On XX/XX/XXXX, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what Synchrony Bank - Sams Club is reporting. I notified them that the information is inaccurate and unable to be verified per my request.
On XX/XX/XXXX, I sent another dispute to Synchrony Bank - Sams Club to notify them that I've had my rights violated. My requests have gone ignored.
In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.
On XX/XX/XXXX, XXXX, I sent another dispute to the 3 credit reporting agencies letting them know that my report is inaccurate. I requested more information regarding the reporting of this account, yet all they did was verify that the information is accurate. My exact dispute was as follows : Please verify this account. I'm unaware of the information reporting on this listing. Please remove it in its entirety or show me what information you reviewed in order to report it in the first place. Based on my research, I'm requesting to further clarify your compliance with Metro 2 Compliance. I don't agree with the Portfolio Type listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Specifically, I would like to confirm the FCRA Compliance Date or Date of First Delinquency/Last Activity is in Base Segment, Field 25. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Again, if youre unable to comply with my request, please simply remove this listing from my credit profile.
On XX/XX/XXXX, I sent a 7th request for the Credit reporting agencies to comply with the laws of the Fair Credit Reporting Act, yet they continued to state that Synchrony Bank Sams Club has verified the information in my report. They are continually parroting what Synchrony Bank Sams Club is stating without any physical review of any documents which I have asked for.
On XX/XX/XXXX I sent a request of verification to Synchrony Bank - Sams Club so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. I requested a bunch of information ; however, they didn't provide me with the requested information.
I sent them a follow up on XX/XX/XXXX because they havent sent me the requested information that I was requesting. Still nothing.
I again sent another request on XX/XX/XXXX and they still ignored my request.
I sent them another request for follow-up information on XX/XX/XXXX and yet they have blatantly ignored everyone of my request, which Im able to do under the rights of the Fair Credit Reporting Act. They just keep sending me a request for more information, which is all written out in plain English. I want to make sure that they are reporting accurately since all of the bureaus report something different.
I sent a follow-up request on XX/XX/XXXX, and they asked again with their canned request for more information.
I sent another request on XX/XX/XXXX and guess what? A canned request for more information.
I sent another request on XX/XX/XXXX, and as you probably can guess ; a canned request for more information.
I then sent a FINAL request on XX/XX/XXXX and await what will probably be another canned request for more information.
Im including a copy of their response as well as their validation per my request. They have deemed my legal request as frivolous or irrelevant. How did they come to this conclusion? Each one of my requests for information went unanswered. They have not provided adequate verification. They are supposed to send me verification from the original creditor, yet they have failed to do so. Providing me with a printout of whats reporting on my credit report isnt right. I could see that on my credit report. I want to see all information regarding each of the accounts, yet they have failed to do so, willingly and blatantly.
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| 09/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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this company SYNCB/GAP account XXXX is reporting on my consumer credit file without providing me any communication regarding the account and debt alleged owed. under FDCPA they are suppose to provide me a notice within 5 days before furnishing on my reporting, providing me notice of the debt pursuant to 15 U.S. Code 1692g - Validation of debts- a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
they did not lawfully provide proper communication that i have a right under 15 U.S. Code 1692g - Validation of debts- ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
there fore prompting me to not be able to properly responded during the dunning period for the alleged debt which does not constitute for me to be liable by law under 15 U.S. Code 1692g - Validation of debts ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
they are communicating with Third parties XXXX, XXXX, XXXX, XXXX XXXX with out proper permissible purpose under 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
this company is also furnishing incorrect incomplete in accurate information they are claiming to have charged off and collecting which they can not do, i asked them for validation of debt This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : [ dispute_item_and_explanation ] Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes.
In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.
- Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
- Proof that you are licensed to collect in my state.
- Your license numbers and Registered Agent or Agent of Service.
- The identity, name, and address of the original creditor.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX ) XXXX shall be sent to me immediately.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
they failed to do so. they also did not provide me with my 1099C tax form for the charge off i have to turn all charged off debts in on for income on 1099c in which they are claiming to have done while unlawfully still trying to collect.
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| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again XXXX XXXX HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to XXXX and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account In question : XXXX account # XXXX account type : revolving account account type ( XXXX ) : charge card account type detail : revolving account account type detail ( XXXX ) : individual bureau code : individual account bureau code : individual account status : closed date opened : XX/XX/XXXX balance : XXXX high credit : XXXX credit limit : XXXX payment status : charged off as bad debt comments ( XXXX ) XXXX profit and loss write-off comments ( XXXX ) : **consumer statement** y item disputed by consumer just want to take the time now to address the fact that XXXX has already deleted this account XXXX So unless this account is validated pursuant to 15 USC 1692G. Then the debt and the reporting of said debt will have to be deleted from my consumer credit file. Since XXXX has deleted this information already I would highly advise that XXXX and XXXX do the same since the files that I am requesting were not submitted in a timely fashion with my previous and final dispute with XXXX. lastly the fact that this account does not appear on the XXXX consumer credit file does mean that just off that one fact the other two credit reporting agencies are reporting false and or fraudulent information and keeping me from the very credit that gives this county life.
thank you.
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| 12/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2021, I sent Synchrony Bank, the issuer of the XXXX Credit Card, a tender/money order for special deposit as a non cash item ( XXXX XXXX XXXX ( u ) ) in full settlement of the alleged obligation of {$3100.00} in accordance with 12 CFR 204.2 ; U.C.C. 3-601 ; U.C.C. 3-603 ; U.C.C. 3-604 ; and U.C.C. 3-311. I waited XXXX ( XXXX ) full business days for Synchrony Bank to process the tender and adjust my account accordingly. After giving Synchrony Bank XXXX full business days to process the tender and adjust the account, On XX/XX/2021, I called and spoke to an XXXX about the issue. The XXXX called it a missing payment and stated Synchrony Bank would add a provisional credit to my account in the amount of the missing payment while they investigated the issue. I received correspondence that day following the phone call via e-mail, dated XX/XX/2021, stating Synchrony Bank needed documentation of the payment within 15 days of the date of the letter. I sent the XX/XX/2021 tender/money order for special deposit as a non cash item via USPS REGISTERED Mail, allowing USPS to act as a third party witness of the sending and receiving of the tender. Upon checking the tracking number via the USPS website, I saw the tender was in fact delivered on XX/XX/2021, to the correct address provided on the payment instructions, although Synchrony Bank was claiming to had not received it. On XX/XX/2021, my account had not been adjusted in accordance with the tender nor had I received proper notice of dishonor from Synchrony Bank. In the event Synchrony Banks dishonor through nonperformance and nonresponse was unintentional or due to reasonable neglect, mistake, or impossibility, On XXXX XXXX, In good faith, I sent a Notice of Default and Opportunity to Cure attached with proof of payment, and gave Synchrony Bank the opportunity to send confirmation that my account and open end credit plan had been adjusted in accordance with the tender in full settlement of the alleged obligation sent on XX/XX/2021 or send a proper Notice of Dishonor to allow me to cure any defects. This time, in addition to sending it to the previous XXXX XXXX XXXX I was provided, I sent to Synchrony Bank headquarters ATTN : CEO. In correspondence from XXXXynchrony BanXXXX XXXX XX/XX/2021, Synchrony Bank states that they were unable to locate the payment and that the credit they had issued to be had been reversed with no mention of the Notice of XXXX and Opportunity to Cure attached with proof of payment sent on XX/XX/2021. In correspondence from Synchrony Bank dated XX/XX/2021, signed by an agent from the XXXX XXXX XXXX XXXX, the XXXX made note of being in receipt of my tender and instructions for the tender but states we do not accept notes as payment for Synchrony Bank accounts and that I am responsible pursuant to the terms and conditions of the account and billing statements. This is extremely confusing as the US Dollar is in fact a note. In addition, because I am no longer XXXX to the law, I know that Federal law supersedes any and all terms and conditions of the account. The agent states my tender will not be honored. Pursuant to UCC 3-603 ( b ), if Synchrony Bank refuses my tender, Synchrony Bank must discharge the tendered amount. In addition, I, the consumer, did not consent to this third party being in my affairs. This XXXXt also tries to coerce payment in this letter stating I have a past due balance. This makes the agent a debt collector under Title 15 of the United States code and is an individual against 15 USC 1692f. On XX/XX/2021, I sent Synchrony Bank an Affidavit of Truth attached with seven ( 7 ) Exhibits ( all correspondence stated in this complaint, including tracking information regarding correspondence sent from myself to Synchrony Bank ), sent via Certified Mail by Notary Public, including a commercial oath and verification, with statements of truth in fact regarding all communications already stated in this complaint as well as several individual acts against the laws that protect myself as the consumer against debt XXXX like Synchrony Bank under Title 15 of the United States Code. Synchrony Bank is in receipt of this Affidavit of Truth as of XX/XX/2021. As of XX/XX/2021, Synchrony Bank has not rebutted any statement of truth in fact stated in the Affidavit. I received XXXX separate correspondence dated XX/XX/2021 from Synchrony Bank following their receipt of my Affidavit of XXXX. In the first correspondence dated XX/XX/2021, Synchrony Bank thanks me for my recent inquiry and that it may take them up to 60 days to complete their research. In the second correspondence dated XX/XX/2021, Synchrony Bank thanks me for my recent inquiry as well as stating they have issued another credit in the amount of the tender I sent on XX/XX/2021. Synchrony Bank states that we may reverse the credit if they are unable to locate the payment once again, having already admitted to receiving the tender along with the instructions for the tender in the correspondence from the XXXX XXXX XXXX XXXX dated XX/XX/2021. Synchrony Bank states in this second correspondence dated XX/XX/2021 that it could take up to 90 days to investigate. In correspondence from Synchrony Bank dated XX/XX/2021, a second XXXXXXXX from the XXXX XXXX XXXX XXXXXXXX states that the tender I sent on XX/XX/2021 was not sent to the correct address, and provides the address in a quote from the Conditional Payments section of the back of the billing statement. While I appreciate finally being informed of this information after 2 months of trying to resolve the issue with my account, I, the consumer, did not consent to this third party being in my affairs. Because of all the confusion, contradicting correspondences, violations/individual acts against my rights as a consumer, and several billing errors, on XX/XX/XXXX, I sent Synchrony Bank a Notice of Billing Error pursuant to 12 CFR 1026.13. In said Notice, I demanded documentary evidence from Synchrony Bank on the public and private side, showing accounts receivable and payable, to which I have a right to receive pursuant to 12 CFR1026.13 ( a ) ( 6 ). As defined in 15 U.S. Code 44, documentary evidence is all documents, papers, correspondence, books of account, and financial and corporate records which involve all derivatives, assignees, and hypothecations in connection with the name on the account. The documentary evidence that Synchrony Bank is obligated to provide is to clarify who funded the account and how much is owed according to the journal and ledger entries from the opening date of this account as described in IRS Publication XXXX and in accordance with Generally Accepted Accounting Principles ( GAAP ). Synchrony Bank s failure to comply with the requirements of clarifying documentary evidence, both public and private ledger, will make the organization civilly liable under 15 U.S. Code 1693m for any actual damage against I, the consumer and criminally liable under 15 U.S. Code 1693n. Notice in fact, according to 12 CFR 1026.13 ( d ), Synchrony Bank may not collect any disputed amount, restrict, accelerate payment, close an account, or threaten any adverse reporting to any person about the consumers credit reporting without resolving the billing error. The said code also states that I, the consumer, do not need to pay any disputed amount. Synchrony Bank XXXX failure to comply with the requirements will forfeit its right to collect pursuant to15 U.S. Code 1666 ( e ). Fact, I am also aware that my account from Synchrony Bank is an open end credit plan. Pursuant to 15 U.S. Code 1602 ( j ), an open end credit plan is a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. I am aware that 15 U.S. Code 1637 ( b ) ( 1 ) and 15 U.S. Code 1637 ( b ) ( 8 ) states that each statement shall have an outstanding balance at the beginning and the end of the statement period which constitutes a billing error. Synchrony Bank is in receipt of this Notice of Billing Error as of XX/XX/2021 as verified by USPS return receipt, as has yet to provide me with the documentary evidence. In accordance with 15 USC 1692c ( d ), I, consumer in fact, am invoking my XXXX and XXXX status over this matter and am of the XXXX of majority. It is also a fact Synchrony Bank is a corporation and is always considered a minor. Corporations who are considered minors have no legal standing or jurisdiction.
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| 06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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To Consumer Financial Credit Protection Bureau Complaint The Facts ( Summarized ) Last XX/XX/XXXX, I sent the e-payment to XXXX Bank corresponding to the amount of {$8800.00}. Days later, I found out that by mistake, I used my wifes Bank account and so, I notified it to Synchrony Bank Customer Service by phone. After informing it, Synchrony Bank has incurred in a series of errors that far from resolving the situation that they have caused, was to complicate the solution of the case. I summarize it as follow.
In their letter dated XX/XX/XXXX, Synchrony said to me that an amount of {$8800.00} was mistakenly applied to my XXXX XXXX account. Certainly it was not an error, the amount charged to my Synchrony Bank Account was correct. See exhibit 1.
On XX/XX/XXXX, I made an e-payment ( on time ) using the account ending XXXX that really belongs to my wife, and so it was debit to her bank account when it should be debited to my bank account ending XXXX, both of XXXX XXXX. XXXX XXXX reference XXXX XXXX XXXX XXXX epay XXXX and XXXX payment confirmation XXXX. See exhibit 2 and 2 A.
This happened because those account were originally in the XXXX of XXXX XXXX. This bank was sold to XXXX XXXX XXXX XXXX XXXX and the account number changed.
By mistake I took the wrong account number ( from my wifes bank account ) and registered in the Synchrony Bank. As you can see, the problem was the account with which I made the payment. So the problem was not a wrong payment credit posted to my XXXX XXXX account as they as said in their letter of XX/XX/XXXX.
The e-payment was correctly made and sent, it was not awarded by them. See exhibit XXXX and XXXX Therefore the credit of {$8800.00} and debit for the same amount they did, does not proceed. That was a fatal mistake of Synchrony. See exhibit XXXX. And XXXX This was resolved with my wife. The charge of {$8800.00} is correct and was already paid with account number ending XXXX belonging to my wife. See exhibit XXXX and XXXX. XXXX XXXX reference XXXX XXXX XXXX XXXX epay XXXX and XXXX payment confirmation XXXX.
In both letters dated XX/XX/XXXX, Synchrony request to me that send the details of how it was paid, date, confirmation number, payment amount and routing number to demonstrate that the credit was never made to account in question. See exhibit XXXX and XXXX They also requested the account statement ending XXXX. And so I did it. I included account statement acct. ending XXXX from XX/XX/XXXX to XX/XX/XXXX. See Exhibit XXXX XXXX XXXX XXXX reference XXXX XXXX XXXX XXXX XXXX XXXX ) I sent copies account statements to prove that the money they charged never returned to my wifes account ending XXXX. See exhibit XXXX For those days, I sent copy of the exhibits that support that the money was not returned to my wifes account as should be and they continued making improper charge of interest and even. The question is : Where is the money? What a mess they have had armed.
Synchrony Errors Discussion and Analysis of Finding In letter dated XX/XX/XXXX ( reference XXXX ) Synchrony alleged that by mistake a payment in the amount of {$8800.00} was applied to your XXXX XXXX XXXX XXXX Card account. This is their first mistake. The error is to say that during a review of our account records we discovered that a payment amount of {$8800.00} was mistakenly applied to your XXXX XXXX XXXX XXXX XXXX. To correct that error we are charging you the same payment amount to void the payment ( Second Mistake ). This adjustment will be reflected on your next statement. See exhibit 1 That is not true, the amount charged in the account and the payment I did, absolutely corresponds to the account statement of XX/XX/XXXX. See exhibit XXXX and XXXX XXXX XXXX reference XXXX XXXX XXXX XXXX XXXX XXXX and XXXX payment confirmation XXXX What actually happened was that I mistakenly put my wifes bank account number in the payment methods of Synchrony Bank account instead of taking my account number, and so I informed to Customer Service Agent by phone. What really corresponded was either to make a credit to my wifes account or write a check to return the money, which they never did. Other option was leave ( make the credit ) the payment with the account number ending XXXX.
Instead they sent a complaint ( third mistake ) ( unnecessarily ) to the Fraud Division for an investigation that last at least, 60 days, may be more. During that time, there is no evidence that Synchrony have done ( post payment ) the credit to my wifes account that ends in XXXX ( fourth mistake ) they never has not have any reference for its return or when it would be reflected in the account that ends in XXXX, nor did ever issued a check, which was what it really came from. By letter date XXXX, XXXX XXXX and XX/XX/XXXX, I explained to Synchrony detailing everything that happened. See exhibit 5 and 5A.
In letter date XX/XX/XXXX Synchrony Bank warned that they were investigating my request and they made a credit for the amount of {$8800.00}, which will be reversed if they can not locate the payment or determine that the payment was not made. In another letter with the same date, they request the number of the account with which it was paid, the date on which it appears reflected, the amount of the payment and the XXXX ( XXXX ) digits bank route number. This was done by means of letter dated XXXX, XXXX. See letter dated XX/XX/XXXX, I sent by certified letter dated XX/XX/XXXX. See exhibits 5a and 5 B.
In another letter received from Synchrony Bank dated XX/XX/XXXX, they notify me that our records indicate that the payment in question was applied to your account on XX/XX/XXXX in the amount of {$8800.00}. and the XX/XX/XXXX statements that Synchrony Bank credited {$8800.00}. See exhibit XXXX Please, pay attention to this, later in a letter in XX/XX/XXXX Synchrony once again claimed that they could not locate any payment. They requested again a copy of the same documents has already been sent. See exhibit XXXX This time I send to Synchrony all documents they requested before on a letter dated XX/XX/XXXX, in which I explained once again what really happened from XX/XX/XXXX to XX/XX/XXXX. All documents were sent to Synchrony Bank by letter next day delivery mail and via fax. See copy of mail and fax receipts of XX/XX/XXXX Synchrony Bank, See exhibits 8, 8a, 8b In a letter dated XXXX, XXXX, XXXX ( see exhibit 9 ), Synchrony Bank told me that the payment that was missing in the account was received on XX/XX/XXXX was corrected ( FIFTH ERROR ) THAT PAYMENT WAS MADE ON XX/XX/XXXX. See XXXX and XXXX XXXX XXXX reference XXXX XXXX XXXX XXXX XXXX XXXX and XXXX payment confirmation XXXX Everything went well, the account seemed to been corrected See exhibit, but until last XX/XX/XXXX, I checked my XXXX XXXX account and called the customer service agent at XXXX XXXX to inform that my identity had been stolen and the account had been full charged. The customer service agent when she took a look, informed me that it is not an identity thief, but an error from the Bank and would consult with her supervisor. After an hour waiting on hold, she told me that they found that the credit had never been made to the account, and they ( she and her supervisor ) did not found that the Bank had made a check to reimburse the money. So, she told that she couldnt make any change because that was under the control of Accounting Department.
On XX/XX/XXXX I called again to follow up the case and I spoke with XXXX XXXX, a custormer service agent, he told me that case had a lots of mistake during the solutions and will consult with an XXXX. He told me that Synchrony will issue soon the resolution of the case. It would come out on XX/XX/XXXX. Until today, it has not come.
Synchrony is back, they make the Sixth mistake.
It turns out that in the account statement for the month of XXXX, no satisfied with previous messes they make the same charge of {$8800.00} TWICE. See Exhibits 10 and 10a Until today I have not received from Synchrony Bank any resolution they promised. Its been almost a year since Ive been trying to get Synchrony Bank to finish this mess theyve made with my XXXX XXXX XXXX Account, and they have done absolutely nothing to correct this distressing situation despite having sent three times the document they requested. I am very confident that you will help me to end ( finish ) this agonizing situation with Synchrony Bank and left my account on {$0.00}. and do not affect my historic credit.
e-mail. XXXX Best Regards XXXX XXXX XXXX XXXX. Apologize for my English.
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| 09/10/2023 |
Yes |
- Credit card
- Store credit card
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- Incorrect information on your report
- Account information incorrect
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Web |
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SYNCB/GAP XXXX is reporting on my consumer credit file without providing me any communication regarding the account and debt alleged owed. under FDCPA they are suppose to provide me a notice within 5 days before furnishing on my reporting, providing me notice of the debt pursuant to 15 U.S. Code 1692g - Validation of debts- a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
they did not lawfully provide proper communication that i have a right under 15 U.S. Code 1692g - Validation of debts- ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
there fore prompting me to not be able to properly responded during the dunning period for the alleged debt which does not constitute for me to be liable by law under 15 U.S. Code 1692g - Validation of debts ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
they are communicating with Third parties XXXX, XXXX, XXXX, XXXX XXXX with out proper permissible purpose under 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
this company is also furnishing incorrect incomplete in accurate information they are claiming to have charged off and collecting which they can not do, i asked them for validation of debt This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : SYNCB/GAP XXXX Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes.
In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.
- Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
- Proof that you are licensed to collect in my state.
- Your license numbers and Registered Agent or Agent of Service.
- The identity, name, and address of the original creditor.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX ) request shall be sent to me immediately.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
they failed to do so. they also did not provide me with my 1099C tax form for the charge off i have to turn all charged off debts in on for income on 1099c in which they are claiming to have done while unlawfully still trying to collect.
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| 01/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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This is a complaint against Care Credit/Synchrony Bank to accompany the complaint I filed against XXXX XXXX on XX/XX/XXXX. These entities are clearly working together to fraudulently steal {$1400.00} from me as they've surreptitiously been putting a " security charge '' on my Care Credit card that I had no knowledge of, did not sign up for, or request for the last 17 months. I've spoken with both businesses at length and each is pointing the finger at the other.
I took out a loan with Care Credit/Synchrony Bank in XX/XX/XXXX for a medical procedure - details as follows : *Care Credit/Synchrony Bank XXXXIssued/First Statement XX/XX/XXXX *Line of Credit Amount for Promotional Period ( 0 % int./18 months ) - {$9500.00} *Amount Used- {$8300.00} *End of Promotional Period - XX/XX/XXXX XXXXAmount Paid to Date : {$5800.00} *Balance Owed to stay within the promotional guidelines : {$2500.00} ( which I will pay in full XX/XX/XXXX - the due date - ahead of the XX/XX/XXXX deadline ).
*Fraudulent Activity conducted by : " Card Security '' aka " XXXX XXXX '' and possibly Care Credit/Synchrony Bank XXXX
*Amount in dispute {$1400.00}.
I only initiated one charge of {$8500.00} on the Care Credit/Synchrony Bank loan - I had no reason to believe anyone else was charging my account for any reason. If this was done, it was done without my permission or knowledge.
I am set up on automatic withdrawal with Care Credit/Synchrony Bank , I do not see my statements ; my payments are deducted from my bank each month.
I have overpaid on my balance every month for 17 months- on time - and am going to pay off the remaining balance due - {$2500.00} on XX/XX/XXXX. This keeps me within the terms of the promotional period of 18 months at 0 % interest.
The name " XXXX XXXX '' does not appear anywhere on any documentation or billing statements. I have never heard of this company until XX/XX/XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Here 's the issue : In preparation of paying off my account this month, I went the the Care Credit/Synchrony Bank website to confirm my final balance of {$2500.00}, however, my statement indicates that my payoff amount is {$4000.00}.
This is {$1400.00} more than I owe.
-- -- -- -- -- -- -- -- -- -- -- -- Synchrony Bank -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I called Synchrony Bank at XXXX and spoke to XXXX and asked her to explain the difference in the payoff amount. I was advised that " card security '' was charging my account in the event I would not be able to make my payment. I was never, at any time, advised of this third party company or the fact that I was being charged an additional amount on top of my loan.
I have all of the hard copy paperwork that was sent to me by Care Credit/Synchrony Bank XXXX XX/XX/XXXX- there is no indication that I would be charged by a third party or for any services related to " card security ''. I had no reason to believe I was also being charged by an unknown third party at any time during the last 17 months.
XXXX ( with Care Credit/Synchrony Bank ) explained that I would need to contact " card security '' and explain that I neither asked for or needed " card security '' on my account and that it wouldn't be an issue and that they would remove the charges for me.
It was clear that she was familiar with this situation enough that she had the phone number for " card security '' immediately ready to give me. Because she only referred to them as " card security '' and I had no reason to believe I was being charged by a third party, I thought I was being transferred to another department within Care Credit/Synchrony Bank .
-- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Once transferred, I realized it was an entirely different company altogether when my call was taken by XXXX. XXXX refused to give me an employee number and was unwilling to give me the physical address of their business. She would only give me a po box when I asked for an address.
I asked XXXX the name of the company she worked for and she wouldn't give it to me right away. I asked her where she goes to work each day, she hesitated and finally told me " XXXX XXXX ''. I asked for the address and she said she couldn't give that to me - and gave me a po box .
I looked online and found the physical address for " XXXX XXXX '' at XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. XXXX would only give me this : XXXX XXXX XXXX, XXXX GA XXXX. Phone number : XXXX XXXX advised she would cancel " card security '' effective today and I said that was unacceptable - the charges should be reversed retroactively to the onset of the account.
XXXX advised she could not do that so I asked for a supervisor and was advised that none were available and that she would have someone call me back. As of this complaint, I have not received a call from anyone at " XXXX XXXX '' in an attempt to resolve this matter.
-- -- -- -- -- -- -- -- -- -- -- Synchrony Bank -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I called Synchrony Bank back and spoke to XXXX this time- who refused to give me her employee number. I asked for an explanation as to why this other company had anything to do with my account and she could not answer my question. I asked for her supervisor and was transferred to XXXX.
Again - I asked XXXX to explain why " card security '' charges were added to my balance without telling me. I again reiterated that I didn't know about " card security '' - was at no time advised that I was being charged by a third party, and certainly never signed up for this " service ''. He could not help me, so I asked for his supervisor.
After a long hold, XXXX came on the line and after a lengthy conversation, he told me they had nothing to do with " XXXX XXXX '', that I needed to phone my doctor 's office because they would have been the ones to initiate " card security ''.
I told XXXX that per the " Your Billing Rights Summary '' provided to me by Care Credit/ Synchrony Bank that I would be submitting this over charge error in the amount of {$1400.00} in writing. This letter was mailed to Synchrony Bank, XXXX XXXX XXXX, XXXX FL XXXX on XX/XX/XXXX - well ahead of my next automatic withdrawal on XX/XX/XXXX. Whey he could not address this over the phone, is not clear other than they are intentionally trying to delay the process.
-- -- -- -- -- -- -- -- -- -- Center for Cosmetic Surgery -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I phoned my doctor 's office and spoke with the person who helped initiate my financing through Care Credit/Synchrony Bank prior to my surgery and was advised that they would not have requested or initiated any extra type of service fees or " card security '' relevant to my financing. They have never heard of " XXXX XXXX ''.
-- -- -- -- -- -- -- -- -- -Summary -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- If Care Credit/Synchrony Bank didn't initiate the additional charges, and my doctor 's office didn't initiate the additional charges, who is " XXXX XXXX '', how did they get ahold of my loan information from Synchrony Bank, who gave them permission to charge me- and why?
There's simply no reason that I should be overcharged on this loan. I have done my due diligence by paying more than the minimum amount due each month, on time, and - again - fully intend to pay off the balance I owe for the surgery ( {$2500.00} by the due date of XX/XX/XXXX. ) What I should not be held responsible for - in any way- is the {$1400.00} being billed to my Care Credit/Synchrony Bank loan by " XXXX XXXX '' without my knowledge or consent.
How did " XXXX XXXX '' get my account information? Why are they billing me- why do they have anything to do with this loan at all? How do they have my social security number? Who is responsible for this scheme?
The fact that I'm being arbitrarily and unwittingly charged an additional 17 % on top of this loan by " XXXX XXXX '' without my knowledge is absolutely fraudulent.
Thank you for taking the time to review my claim. I am happy to provide any/all documentation you might need to complete your investigation.
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| 11/07/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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I XXXX XXXX XXXX had sent a 2 payment by conditional acceptance payment for SYNCHRONY BACK account XXXX for the amounts of {$1700.00} and. {$1400.00}. The payment was in the form of accepting the remittance lower part of the statement by accepting the credit or presentment turn it what is called bill of exchange as negotiable instruments to discharge the balance of the credit card ending in XXXX. Under HJR XXXX Congress gave remedy to discharge out debt by creating negotiables instrument since there is no lawful money to pay with. XXXX XXXX gave the people provision to pay every obligation by ARTICLE XXXX XXXX that all negotiable instrument as currency. Congress made the people act as pirate bankers to write out negotiable bills to discharge debt obligation black law dictionary 5 th edition page 133, defines banking. The Federal U.S. courts states that you are no longer to pay with legal tender notes or federal reserve notes. the Money is limited to legal tender is NOW rejected meaning the FRN is not a form of discharging the debt or payment of a debt. XXXX XXXX XXXX XXXX XXXX vs. XXXX, XXXX XXXX XXXX ( XXXX ), a Federal US court of appeals ruled on Title 31 USC 5118. As of XX/XX/XXXX, Federal Reserve Notes legal tender for discharge of debt is no longer required. XXXX. The giving a ( federal reserve ) note does not constitute payment. XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX. XXXX. The use of a ( federal reserve ) 'Note ' is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. XXXX. XXXX XXXX ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v XXXX, XXXX S.W. XXXX. XXXX. That ( federal reserve ) 'Notes do not operate as payment ' XXXX XXXX XXXX. XXXX v XXXX, XXXX S.E. XXXX XXXX. XXXX. Federal Reserve Notes are valueless. See IRS XXXX XXXX XXXX ( XXXX ) C.C.H. ). These are XXXX and XXXX. Laws and regulations under federal reserve regulations. FRN is only used in the medium of exchange for goods and service at the time of payment or transactions. Under the provisions XXXX XXXX XXXX XXXX passed this law so you can use negotiable instrument to discharge debt by using exempt account. This is only way to discharge debt or off set the balance. a commercial presentment under section 3-501 ( 1 ) Unless excused ( section 3-511 ) presentment is necessary to charge secondary parties as follows : ( a ) Presentment for acceptance is necessary to charge the drawer and endorsers of a draft where the draft so provides or is payable elsewhere than at the residence or place of business of the drawee, or its date of payment depends upon such presentment. The holder XXXX XXXX XXXX may have the option present for acceptance any other draft payable at a stated date for payment on the due date which by law should be posted no later than 2am the following day it the law. SYNCHRONY BANK had 72-hour rule to not accept the contract and return all payments to the sender which the failed to do. According to law SYNCHRONY BANK never put FRN or currency into circulation and SYNCHRONY BANK can not ask for payment by currency since the loan was not made at all. HERE IS THE CODES to back my claim / USC 31 3121 PAYMENT OF OBLIGATION / 31 USC 5103 COMMERCIAL INSTRUMENT IS LEGAL TENDER /. 31 USC 5115 COMMERCIAL INSTRUMENT ARE LEGAL TENDER FOR PAYMENT OF DEBT. / HJR 192 PUBLIC POLICY 73-10 PASS BY CONGRESS XX/XX/XXXX, SYNCHRONY BANK has accepted the legal notice conditional acceptance agreement and the payments which they have gave credit on the account ending XXXX and now they are by denying payment with no official document of the laws and reason why the payment is denied. SYNCHRONY BANK had accepted the payments and posted as payments was made. SYNCHRONY BANK reflects the activities but the balance and the credit was available and the credit limit did not match and it does not balance. I and my husband brought this up to there attention but still remain not equaling the out and does not make any since. I XXXX XXXX XXXX paid with negotiable instrument which I had put my signature and my exempt trust account on the back of the remittance which is a actual cash coupon. it was a cash coupon. In U.C.C. article 3 all negotiable instrument act as money or actual cash value. SYNCHRONY BANK did recieved actual cash value payments SYNCHRONY BANK I have ask for my negotiable instrument which I have my signature and my ss trust account on the payments which is my property to please send them back, but never did. I ask for a official letter. SYNCHRONY BANK kept the negotiable instrument because it was a cash money order and they know there is no way to proof such a transaction would be back up by a bank. IT WAS A ACTUAL CASH VALUE PAYMENT JUST LIKE CASH. the payment is the receipt of a cash payment was made. I have proof that the actual cash value money order was accepted and delivered by the XXXX with the tracking number and the form 3811 form which was signed SYNCHRONY BANK insists on saying its companys policys not to accept the form these form of payment, but company 's policies are not laws and using their policy to void there obligation to accept any payment by a negotiable instrument. SYNCHRONY BANK is racketeering activates under 18 USC 1961 SYNCHRONY BANK IS IN VIOLATION BY FEDERAL LAW WHICH CLEARLY STATE BY THE NATIONAL BANKS CAN NOT LEND ITS CREDIT. XXXX XXXX. In XXXX XXXX XXXX XXXX vs. XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX, ( XXXX ), it was stated, " It has been settled beyond controversy that a national bank, under Federal law, being limited in it's power and capacity, can not lend it's credit by guaranteeing the debt of another. In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and XXXX Bank XXXX XXXX XXXX Bank, XXXX F XXXX XXXX, XXXX XXXX. " A national bank has no power to lend its credit to any person or corporation ... XXXX v. Needles Nat. Bank, XXXX F XXXX XXXX XXXX XXXX, XXXX denied in XXXX s.ct XXXX, XXXX XXXX XXXX, XXXX LED XXXX. The payment sent. the laws and legal tender are no longer to be used to pay debt with. this is my complaint and the laws which is backing up my claims XXXX XXXX REFUSE TO RECONGIZED THE LAWS GIVEN BY A LETTER THAT WAS SENT WITH THE PAYMENT.SYNCHRONY BANK has kept my negotiable instrument as payment which is became a asset as cash. The negotiable I instrument is my property and SYNCHRONY BANK never sent them back nor a official letter of the laws backing up their denial for payment. SYNCHRONY BANK is asking for payment in a form of FEDERAL RESERVE NOTE and the court has rule tha FEDERAL RESERVE NOTE was rejected a legal tender and you can not use to pay any debt. THERE IS ONLY TO DISCHARGE DEBT ONLY UNDER THE XXXX XXXX which CLEARLY SYNCHRONY BANK REFUSES TO ACCEPT. THE LAW IS THE LAW AND COMPANIES POLICY ARE NOT EQUITY LAWS UNDER U.S.C. AND U.C.C. CODES which is the laws to make payment. SYNCHRONY BACK IS CLEARLY ACTING IN BANK FRAUD and there is only proof by the laws. question for SYNCHRONY BANK IF THE LAWS STATE BANKS CAN NOT LEND THEIR CREDIT WHOS CREDIT ARE THE LENDING AND THE FEDERAL COURT STATED IN THE RULING ON OCT 27, 1977 TENDER PAYMENT IS REJECTED. PLEASE TELL M HOW TO MAKE A PAYMENT. NOTE TELL ME BY LAW AND. FEDERAL RESERVE NOTE ARE ONLY PAYMENT AT THE TIME OF THE TRANSACTION. READ THE LAW OR COURT CASES. [ [ [ [ It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires ... '' XXXX and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX SC XXXX, XXXX XXXX XXXX ( XXXX ). ] ] ] ... checks, drafts, money orders, and bank notes are not lawful money of the United States ... '' State v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
[ [ [ It has been settled beyond controversy that a national bank, under federal XXXX being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires ... '' XXXX and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX, XXXX SC XXXX, XXXX XXXX XXXX ( XXXX ).
... checks, drafts, money orders, and bank notes are not lawful money of the United States ... '' State v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. ] ] ] ] SYNCHRONY BANK IS COMMITTING BANK FRUAD.
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| 05/01/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Account XXXX Balance {$330.00} Since XX/XX/2019 I have been harassed without end night and day by the relentless collection agents of XXXX XXXX XXXX regarding debts, they have listed on my credit reports. The letters they flood my mailbox with tell me that they have filed multiple lawsuits against me in court even though I already mailed them several cease and desist letters to their correspondence address at XXXX. XXXX XXXX XXXX XXXX, CA XXXX along with separate notices advising that Im having to file a bankruptcy and Im getting together my filing fees. When I have tried to call and get general information about their company after their never ending repeat dialing from spoofed phone numbers I have been treated in the worst possible manner. Furthermore, when their expertly trained collection agents have been able to reach me on their outbound calls, they have been callous, caustic and horrifically verbally abusive to me. Along with telling me that my credit score is going to be beyond repair so long as they hold my past due accounts, several of their agents flat out tell me Im going to lose my home and get further bad credit if I dont show up in court because they have already filed a lawsuit and I will be served a summons. When I attempt to get more information about their company when I call, I have been called a liar by their reps who answer, and they get extremely agitated and demand my full social security number ( which I have never provided on an inquiry call ). They have called my work provided mobile phone ( I dont have a personal phone ), day and night and when they dont get anywhere with me they hang up in my face. When they call me they immediately demand my full name and ask me to give the last 4 digits of my social security number without even identifying who they are. I have had to do hundreds of reverse number look ups on the hundreds of phone numbers they spoof of other people 's phone numbers to harass me by calling me repeatedly back to back. I have been screamed at by both the male and female collection agents when I request to speak to a supervisor on their calls to me. I live in constant fear of this company and how they aggressively encourage, train and develop their collection agents to yell at and intimidate me. I am afraid to leave my home most days because the agents tell me that Im going to be served with the lawsuit both at home and on my job, and that if I dont show up in court Ill go to jail and they win anyway for people who dont show up and that Im going to end up paying them twice the money you owe us now you pay us because we have your debt accounts now because you couldnt pay your bills man. I could not believe what I was hearing and when I asked if their outbound calls were recorded, on both occasions the collection agents from XXXX hung up on me. The original creditor, lowered my credit limits without notice taking me right to the current balance and heaped on overlimit and late fees after I explained that lowering the limit to the current balance was abusive because even with my payment, the next interest rate assessment would put me back over the limit. When the Synchrony customer service representatives told me that would have to pay the account in full immediately or just deal with it, I sent them a letter at XXXX. XXXX XXXX XXXX, FL XXXX them requesting them to stop calling me and sending me 5 to 10 text messages every day collecting on my accounts with them. In the notice I listed each account held by Synchrony. I launched chat sessions on my accounts with them ( because the hold times were so long when I tried to call and when I did reach a rep they told me to pay the full balance because they were going to end up closing my accounts ). During the chat sessions I requested that they close my accounts and accurately report to the credit bureaus that I requested my own account closure. I explained that I would not be able to pay the accounts in full at one time but would have to seek bankruptcy protection due to the adverse actions placed upon me by their company and the demand from them for immediate payment of the balances in full. The chat reps confirmed my account closures online and when I called in to verify, an overseas phone representative told me the accounts were closed. Very shortly after receiving the cease/desist and notification of needing to file bankruptcy, they gave my accounts over to XXXX XXXX XXXX and it has been an absolute nightmare. After dealing with the first 2 horrific experiences of being cursed at after demanding my social security number, verbally abused and hung up on I sent correspondence to XXXX at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, including copies of the same notices I sent to Synchrony bank because I didnt understand why that paperwork wasnt transferred or why the accounts were not noted for no contact. I got a call a few weeks later and this time a very nasty young woman said We already have the judgement against you, dont worry honey, well get our money and she disconnected the call because I demanded to a supervisor because I didnt feel comfortable giving my SSN to anyone who wouldnt fully identify themselves and the company they worked for. A reverse phone look up tied the number back to XXXX XXXX XXXX. As the ONSLAUGHT of harassment by phone and mail continued from XXXX XXXX XXXX even after notifying of them of my intent to file bankruptcy and to stop contacting me, I uncovered that this is their standard practice of dealing with all accounts that are sold to them. I sent a follow up letter to them this time a both their XXXX XXXX XXXX. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX letting them know again of my bankruptcy intent and to black list my social security number and bar any accounts past, present, or future from any kind of contact. They use call spoofing technology to display different phone numbers when they call but the numbers trace back to their harassment under any online search. The calls, letters, and threats continued and each time I ask the collection agents what is happening to the letters Ive sent them they make snide remarks, one of their collection agents laughed at me and said nothing is on your account, we dont have any record of ever talking to you, weve already filed a lawsuit against you so youll be served any day now and likely go to jail because youre so far behind - you might as well just make a payment with me now, dont you have anyone you can ask to lend you the money to take care of the debts you owe? we have a few accounts in our office for you, its best if you resolve it with me because time is running out and youre going to lose if you try to fight this in court. It costs you and not us.. After realizing that I wasnt going to get anywhere with them I had to have my job change my phone number. Despite all of the information presented on their website, the XXXX XXXX XXXX collection agency DOES NOT abide by acceptable debt collection practices. I have gotten calls from people I know saying that they are getting phone calls from people saying they are looking for me and when they ask the person to identify themselves the caller would say tell him to pay his bills! and hang in up in their face. When I get the numbers the unidentified callers are calling from, they always trace back to XXXX XXXX. They actively train their collection agents to deceive, threaten, and intimidate the people with accounts in their offices. The corporate leadership of this company clearly rewards their employees for operating with reckless abandon and a complete disregard for any consumer financial protection laws in place. I am requesting a full investigation into XXXX XXXX XXXX including a full review of their business practices and audit of other customer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. After consulting with a legal advocate attorney who is handling other complaints against XXXX XXXX XXXX, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail their continued aggressive harassment, their collection agents verbal abuse and coercion using lawsuits against me, intimidation and failure to abide by a cease and desist even after receiving notice of my intent to file bankruptcy.
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| 05/01/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Account XXXX Balance {$480.00} Since XX/XX/2019 I have been harassed without end night and day by the relentless collection agents of XXXX XXXX XXXX regarding debts, they have listed on my credit reports. The letters they flood my mailbox with tell me that they have filed multiple lawsuits against me in court even though I already mailed them several cease and desist letters to their correspondence address at XXXX. XXXX XXXX XXXX XXXX, CA XXXX along with separate notices advising that Im having to file a bankruptcy and Im getting together my filing fees. When I have tried to call and get general information about their company after their never ending repeat dialing from spoofed phone numbers I have been treated in the worst possible manner. Furthermore, when their expertly trained collection agents have been able to reach me on their outbound calls, they have been callous, caustic and horrifically verbally abusive to me. Along with telling me that my credit score is going to be beyond repair so long as they hold my past due accounts, several of their agents flat out tell me Im going to lose my home and get further bad credit if I dont show up in court because they have already filed a lawsuit and I will be served a summons. When I attempt to get more information about their company when I call, I have been called a liar by their reps who answer, and they get extremely agitated and demand my full social security number ( which I have never provided on an inquiry call ). They have called my work provided mobile phone ( I dont have a personal phone ), day and night and when they dont get anywhere with me they hang up in my face. When they call me they immediately demand my full name and ask me to give the last 4 digits of my social security number without even identifying who they are. I have had to do hundreds of reverse number look ups on the hundreds of phone numbers they spoof of other people 's phone numbers to harass me by calling me repeatedly back to back. I have been screamed at by both the male and female collection agents when I request to speak to a supervisor on their calls to me. I live in constant fear of this company and how they aggressively encourage, train and develop their collection agents to yell at and intimidate me. I am afraid to leave my home most days because the agents tell me that Im going to be served with the lawsuit both at home and on my job, and that if I dont show up in court Ill go to jail and they win anyway for people who dont show up and that Im going to end up paying them twice the money you owe us now you pay us because we have your debt accounts now because you couldnt pay your bills man. I could not believe what I was hearing and when I asked if their outbound calls were recorded, on both occasions the collection agents from XXXX hung up on me. The original creditor, lowered my credit limits without notice taking me right to the current balance and heaped on overlimit and late fees after I explained that lowering the limit to the current balance was abusive because even with my payment, the next interest rate assessment would put me back over the limit. When the Synchrony customer service representatives told me that would have to pay the account in full immediately or just deal with it, I sent them a letter at XXXX. XXXX XXXX XXXX, FL XXXX them requesting them to stop calling me and sending me 5 to 10 text messages every day collecting on my accounts with them. In the notice I listed each account held by Synchrony. I launched chat sessions on my accounts with them ( because the hold times were so long when I tried to call and when I did reach a rep they told me to pay the full balance because they were going to end up closing my accounts ). During the chat sessions I requested that they close my accounts and accurately report to the credit bureaus that I requested my own account closure. I explained that I would not be able to pay the accounts in full at one time but would have to seek bankruptcy protection due to the adverse actions placed upon me by their company and the demand from them for immediate payment of the balances in full. The chat reps confirmed my account closures online and when I called in to verify, an overseas phone representative told me the accounts were closed. Very shortly after receiving the cease/desist and notification of needing to file bankruptcy, they gave my accounts over to XXXX XXXX XXXX and it has been an absolute nightmare. After dealing with the first 2 horrific experiences of being cursed at after demanding my social security number, verbally abused and hung up on I sent correspondence to XXXX at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, including copies of the same notices I sent to Synchrony bank because I didnt understand why that paperwork wasnt transferred or why the accounts were not noted for no contact. I got a call a few weeks later and this time a very nasty young woman said We already have the judgement against you, dont worry honey, well get our money and she disconnected the call because I demanded to a supervisor because I didnt feel comfortable giving my SSN to anyone who wouldnt fully identify themselves and the company they worked for. A reverse phone look up tied the number back to XXXX XXXX XXXX. As the ONSLAUGHT of harassment by phone and mail continued from XXXX XXXX XXXX even after notifying of them of my intent to file bankruptcy and to stop contacting me, I uncovered that this is their standard practice of dealing with all accounts that are sold to them. I sent a follow up letter to them this time a both their XXXX XXXX XXXX. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX letting them know again of my bankruptcy intent and to black list my social security number and bar any accounts past, present, or future from any kind of contact. They use call spoofing technology to display different phone numbers when they call but the numbers trace back to their harassment under any online search. The calls, letters, and threats continued and each time I ask the collection agents what is happening to the letters Ive sent them they make snide remarks, one of their collection agents laughed at me and said nothing is on your account, we dont have any record of ever talking to you, weve already filed a lawsuit against you so youll be served any day now and likely go to jail because youre so far behind - you might as well just make a payment with me now, dont you have anyone you can ask to lend you the money to take care of the debts you owe? we have a few accounts in our office for you, its best if you resolve it with me because time is running out and youre going to lose if you try to fight this in court. It costs you and not us.. After realizing that I wasnt going to get anywhere with them I had to have my job change my phone number. Despite all of the information presented on their website, the XXXX XXXX XXXX collection agency DOES NOT abide by acceptable debt collection practices. I have gotten calls from people I know saying that they are getting phone calls from people saying they are looking for me and when they ask the person to identify themselves the caller would say tell him to pay his bills! and hang in up in their face. When I get the numbers the unidentified callers are calling from, they always trace back to XXXX XXXX. They actively train their collection agents to deceive, threaten, and intimidate the people with accounts in their offices. The corporate leadership of this company clearly rewards their employees for operating with reckless abandon and a complete disregard for any consumer financial protection laws in place. I am requesting a full investigation into XXXX XXXX XXXX including a full review of their business practices and audit of other customer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. After consulting with a legal advocate attorney who is handling other complaints against XXXX XXXX XXXX, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail their continued aggressive harassment, their collection agents verbal abuse and coercion using lawsuits against me, intimidation and failure to abide by a cease and desist even after receiving notice of my intent to file bankruptcy.
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| 07/13/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In XX/XX/XXXX I opened up an account with XXXX XXXX for Care Credit ( {$500.00} max ). On XX/XX/XXXX I lost my job, collected unemployment, and was actively seeking FT employment. I missed a few payments and became delinquent due to my financial situation.
I realized I had gotten behind and in XX/XX/XXXX I contacted XXXX XXXX Customer Service to discuss my situation and set-up payments. In XX/XX/XXXX I made two payments of {$100.00} each. On XX/XX/XXXX due to unforeseen circumstances my husband lost his job.
I missed my XXXX payment and when I went to make a payment in XXXX for both XXXX and XXXX I contacted Customer Service to set them up and ensure I was getting back on track. On XX/XX/XXXX Customer Service informed me that my account was charged-off and with a 3rd party. I respectively asked what that meant and what my options were to resolve the issue. He told me that I would need to speak to someone in Recovery and transferred me to their department. After 10+ minutes of being on hold the line was disconnected due to the Representative hanging up on me.
First thing the next morning, on XX/XX/XXXX I contact Synchrony Customer Service again ; was placed on a short hold and transferred to a Recovery Representative. Once connected with the Recovery Representative I explained what the previous Representative had shared with my about charge-off and that I was disconnected from the call. This Representative reviewed my account and did see that I had a charge-off but that the account was with Synchrony. I inquired as to why I never received any communication from Synchrony regarding my delinquent and subsequent charged-off account. The Representative explained that there was a note stating " DO NOT CONTACT ''. I never authorized either verbally or in written form that Synchrony was not to contact me. Synchrony had my direct cell phone number, e-mail address, and physical address for communication and utilized none of those options to inform me of the change in the status of my account. The Representative understood and expressed his apologies for the previous Representative who had misinformed me that my account was placed with a 3rd party. He re-assured me that this was misinformation and that the account was still with Synchrony. At this time I was then explained my options ; I wanted to ensure I fully understood the situation and also take accountability for the debt that was owed. He shared that I can still make payment ( only via telephone with a Representative ) and that I no longer had online access to my account. I asked about setting up automatic payments until the debt was resolved and was told that I could set-up a future dated payment but not automatic payments. The I asked if I could make a future-dated payment for Friday, XX/XX/XXXX ; the Representative said yes and then began processing this future-dated payment. I provided my bank account details and authorized Synchrony to debit my bank account in the amount of {$50.00}. Then I would call to make subsequent $ XXXX monthly payments until the debt had a balance of zero ( {$0.00} ). I was given a Confirmation # ; which I wrote down and continued about my day.
On Thursday, XX/XX/XXXX I became increasingly concerned about the validity of the Confirmation # since I had not received any written record ( e-mail ) of this future transaction. I contacted Synchrony Customer Service and was told that the account was delinquent, in a charge-off status, but remained with Synchrony. I was then provided the direct Recovery phone number and the hours of operation.
First thing Friday, XX/XX/XXXX morning I contacted Synchrony Recovery and immediately spoke to a Representative, XXXX. I had begun to explain my situation with XXXX and lost connection due to limited cell phone service. I called back the same number was on hold for 10+ minutes and re-connected with a Representative. To my surprise the Representative was once again XXXX. XXXX reviewed my account and explained that it was in a charge-off status and with a law firm. That any contact was to be between that law firm and me and that the account was no longer with Synchrony. I was surprised by this information and asked how the status of my account changed in less than 24 hours.
To my dismay, XXXX told me that the previous Representatives provided me with misinformation and that she is not responsible for their actions. I then asked the details of the law firm and was provided the name of XXXX. I asked her XXXX and ... and she provided me with a phone number with an area code of XXXX. XXXX did not provide any further details. I also asked why I never received a certified letter from this law firm regarding this charge-off. She explained it was because of the " DO NOT CONTACT '' note. I explained that that does not make sense as there are plenty of ways for Synchrony to contact me and they did not utilize any of them. I know the law and it states that when an account becomes delinquent and/or charged-off and is with a law firm that the law firm has to send a certified letter notification informing of the status and options. I never received such a letter or communication. I continued to push upon the fact that I had recently set-up a future-dated payment and had a Confirmation # and she proceeded to tell me that that wasn't possible and that I could only make payments with the law firm. I then asked to speak with her manager or someone else who could provide me with more details and accurate options. She then told me she would transfer me to the Credit Consulting department and they would be able to provide me with further assistance. After a brief hold she returned to the phone and told me that all of the Credit Consultants were busy helping other people and asked if I wanted to speak with someone from the legal department. I said yes, was placed on hold and then after 5+ minutes the phone disconnected, this was not due to limited service, but XXXX hung up on.
I then called Customer Service, followed the required prompts, and then connected with a Recovery Representative, XXXX. I explained to XXXX my situation, the details of my previous calls with both Customer Service and Recovery and asked her to review my account. After review of my account XXXX confirmed that my account was still with Synchrony, that it was charged-off, that I had a " DO NOT CONTACT '' note on my account, and that there were payment options. She explained that her information was accurate and then profusely apologized for the previous Recovery Representative ( XXXX 's ) misinformation and behavior.
She did explain that my account was charged-off in XXXX due to delinquency but that was removed once made the two {$100.00} payments. I once again explained that I never authorized for Synchrony to not contact me ; detailed the various ways Synchrony had available to them to contact me and my frustration with my charging-off my account and not giving me a chance to resolve the situation.
She then told me that I could set-up a payment for today and so we went through the process to set-up the payment. She explained to me that I could only pay via telephone using either a Checking Account or Debit Card. I provided her with my XXXX XXXX account details to set-up a {$50.00} payment for today. While processing this payment she realized that I already had scheduled payment in the amount of {$50.00} for today. I asked her if she had the Confirmation # and compared it to the one I had written down during previous interaction with a Recovery Representative ( not XXXX ). The Confirmation # she provided me with matched the # I was previously provided. She explained to me that there is no due date and amount due. I asked about a receipt of confirmation of the transaction and she said she can send it via e-mail or snail mail. I preferred e-mail and provided her my e-mail address, she read back my e-mail address to confirm its accuracy. She told me that an e-mail would be sent after payment was completed. She provided the Customer Service phone number, apologized for the confusion, misinformation, and poor behavior of XXXX and asked if there was anything else she could help me with. I stated no and that I want to do the right thing and pay the debt that is owed, and that I will be making $ XXXX monthly payments until this is resolved. She was glad to hear this information and then we ended the call.
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| 02/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XX/XX/XXXX - I received call from Synchrony Bank ( Finance Company ), to ask if I was happy with my recent purchase. The purchase they were referring to was made from XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX for a bed and other furniture for a total price of {$9800.00}.
This is a fraudulent transaction to my account, this was NOT my purchase, nor was it authorized by me.
The Fraud Department at Synchrony advised me that they would close my account and I would not be responsible for the charges pending their investigation.
XX/XX/XXXX - I contacted the XXXX XXXX XXXX in XXXX XXXX and spoke to XXXX ( who I believe is the owner ). I explained the situation, and XXXX advised he would look into it and call me back. I never heard back from him.
I received a letter from Synchrony Bank Fraud Investigation Unit dated XX/XX/XXXX with a Fraud Investigation Form, which I filled out and returned stating that this was not my charge and I had no knowledge of this transaction. As I had received no further communication from Synchrony, I was under the impression that these charges had been removed from my account.
XX/XX/XXXX - I received an alert from my credit monitoring service that I was over the limit on my Synchrony account, and the outstanding balance is {$9800.00} XX/XX/XXXX - I telephoned Synchrony Fraud Department and spoke to XXXX. No employee will provide their last name.
XXXX advised that my fraud dispute was DENIED by Synchrony Bank. He said they received correspondence from XXXX XXXX which showed my signature on an invoice dated XX/XX/XXXX, that supposedly matches the signature on this XX/XX/XXXX sales invoice. The ONLY purchase I have ever made from XXXX XXXX was from a store located in XXXX XXXX, CA ( no longer in business at that location ) on XX/XX/XXXX, financed through Synchrony Bank. That account was paid in full as of XX/XX/XXXX, and I have not made any further purchases on this line of credit.
XXXX advised that the XX/XX/XXXX transaction was an in-person purchase and picked up by the customer from the XXXX XXXX XXXX. He asked me repeatedly, if I was sure that I didnt make the purchase and just dont remember. I can assure you, I would remember a nearly {$10000.00} purchase!
I requested that Synchrony RE-OPEN the fraud dispute, which XXXX said would take about 60 days. I requested copies of ALL of the documentation they received from XXXX XXXX, as well as to be called by XXXX supervisor.
I never received notification from Synchrony advising that they were denying my fraud dispute, I just received a new bill from them in mid-XXXX for the full amount. XXXX said he was surprised I hadnt been sent a letter advising of the status, but he would request that a copy be mailed to me. In addition, he said he would request that a supervisor call me... but, it is up to the supervisor whether they choose to do so. ( Of course, the supervisor did not call me ).
XXXX suggested that I contact the merchant re this issue. I have left numerous messages for the Manager at XXXX XXXX XXXX, with no response.
XX/XX/XXXX I received a phone message from XXXX in the Synchrony Bank Fraud Department. I placed a return call to Synchrony and spoke to XXXX. XXXX advised that I could not speak to XXXX, as he only does the investigation, but does not speak directly to customers. XXXX advised that my fraud claim was being denied for the second time, due to compelling evidence they received from XXXX XXXX. Supposedly, the merchant supplied an invoice, application and pick-up receipt all signed by the customer. They claim that the signature on those documents matches my signature from when I purchased the bed in XXXX XXXX over 3-1/2 years ago. They also claim to have a copy of my drivers license. They are claiming the merchandise was purchased and picked up by me.
Further, Synchrony now REFUSES to provide any so-called compelling documentary evidence to me. Instead, they suggested I go to the merchant in person.
In my prior conversation with XXXX at Synchrony, he said he would request the documents be sent to me. Of course, they were never sent.
During my XX/XX/XXXX conversation with XXXX at Synchrony, he actually suggested that maybe the XX/XX/XXXX purchase was a back-ordered item from 3-1/2 years earlier!
XX/XX/XXXX My husband and I went to the XXXX XXXX store in XXXX XXXX, CA and met with XXXX XXXX. XXXX was unable to pull up any information on his computer regarding this transaction, he said the receipts are archived and he didnt have access. XXXX promised that he would contact the corporate office in XXXX XXXX, XX/XX/XXXX and request that all of the documents be emailed to me. It has been 3 weeks and I have not received a phone call or any correspondence from XXXX XXXX.
XX/XX/XXXX I telephoned Synchrony Bank : Spoke to XXXX in Customer Service, Employee # XXXX ) She confirmed that my prior AUTHORIZED purchase from XXXX was paid in full as of XX/XX/XXXX.
XXXX advised that the balance on the FRAUDULENT account is now {$9900.00} ( which includes late fees ). I then spoke to the following individuals : XXXX Employee # XXXX who stated the signature on the receipt matches the fraud investigation form. XXXX XXXX provided copies of receipts to Synchrony via Fax. XXXX asked me if I sign my name in cursive. He also said that Synchrony should have advised me to file a Police report right away. ( XXXX was the person I initially spoke to in XXXX, who never mentioned anything about filing a Police report ). I reminded him that HE had promised to send the evidence to me and never did. He said, that it is against Synchronys policy to provide that information to the customer. I reiterated, that this was NOT my purchase and requested that Synchrony RE-OPEN this Fraud investigation.
XXXX Employee # XXXX ( Customer Service ) stated it is NOT true that Synchrony will not release evidence provided by a merchant to their customers.
Transferred to XXXX in the Fraud Department. Employee ID XXXX XXXX is the first Synchrony employee who seemed to actually be helpful and sympathetic. XXXX agreed that filing a police report would be the appropriate course of action. XXXX advised that they received a copy of the receipt from XXXX XXXX XXXX in XXXX. Again, I made a request for Synchrony to email copies to me of ALL receipts and a copy of my ID used by XXXX XXXX XXXX for this fraudulent purchase. ( Unfortunately, that was a week ago, and still no evidence has been sent to me ).
XXXX spoke to his investigator, and confirmed the case is reopened ( for the THIRD time ). The Fraud Department will review once again.
This has been going on for OVER four months, and I have had no help whatsoever from XXXX XXXX XXXX ( or ) SYNCHRONY BANK. It actually seems like they are in cahoots on this! The treatment I have received is unbelievable and inexcusable. XXXX XXXX XXXX just ignores me altogether, and SYNCHRONY BANK just plays games and jerks me around, promising to provide information and then refusing.
I have notified the three credit bureaus and put a FREEZE on my credit.
I have filed a complaint with the XXXX XXXX XXXX, who advised me that the Merchant has failed to respond to them.
I have filed a police report.
I have written letters to both XXXX XXXX XXXX and SYNCHRONY BANK demanding that they share their so called " evidence '' with me, and remove these fraudulent charges from my account, and advise the three credit reporting agencies of same.
I have excellent credit and this is putting a big stain on my credit, not to mention causing me a great deal of stress and anxiety. How can these companies claim that I made a nearly {$10000.00} purchase, yet they refuse to show any proof?
My complaint is against the XXXX XXXX XXXX, and SYNCHRONY BANK. I am concerned that XXXX XXXX XXXX may be preying on other unsuspecting consumers with their unsavory and disreputable business practices. I have been a long time customer of SYNCHRONY BANK. Their behavior and treatment of me in this situation has been very suspect as well.
================================================================= The contact for both companies is as follows : Synchrony Fraud Investigation Dept.
XXXX XXXX XXXX XXXX, OH XXXX-XXXX ( XXXX ) XXXX ( XXXX ) XXXX Representative : XXXX ( Employee ID XXXX-XXXX ) -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Managers : XXXX XXXX ( or ) XXXX Sales Rep : XXXX XXXX
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| 01/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX ) purchased XXXX appliances from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$7400.00} ( EX A : Invoice ).
XXXX and XXXX were prepared to pay the entire purchase price at the time of their purchase in XXXX and only signed up for the timed payments when XXXX salesperson XXXX XXXX indicated the payment could be made interest-free with equal monthly payments. At no time did XXXX XXXX inform XXXX XXXX XXXX that the loan would incur interest at 29.99 % after a limited promotional period. XXXX XXXX XXXX had only XXXX prior experience with an interest-free loan when they purchased a new XXXX in XXXX. In the case of the auto loan, XXXX XXXX XXXX were told the amount that they were required to pay and the length of time in which it would be paid off.
In early XX/XX/XXXX Synchrony mailed a credit card to XXXX & XXXX but that card was never activated since they were only interested in the interest-free payment plan on the appliances purchased from XXXX ( XXXX XXXX : Unused credit card ).
XXXX called Synchrony to ask when she would receive a statement regarding the loan and was told the first statement would be dated XX/XX/XXXX and would be mailed to her. Following her telephone call XXXX received a paper statement dated XX/XX/XXXX. ( XXXX XXXX : First statement from Synchrony ) The " Transaction Summary '' of the statement shows amount due and states in uppercase font DEFERRED INTEREST/NO INTEREST IF PAID IN FULL. The Transaction Summary also states in uppercase font INTEREST CHARGE ON PURCHASES {$0.00} XXXX did not read the rest of the statement since the loan had already been described by the XXXX salesperson as interest-free with equal monthly payments.
The statement provided an online link to set up an autopayment from our bank account. On XX/XX/XXXX XXXX set up the autopayment and received an email confirmation from Synchrony ( XXXX XXXX : Email confirmation of Autopay enrollment ). The confirmation indicates XXXX chose the XXXX XXXX option of {$260.00} monthly. If XXXX made this selection it was done with the belief that the loan was an interest-free loan so long as there was no interruption in the autopayments being deducted from our bank account.
{$260.00} autopayments were deducted from our XXXX XXXX account on a monthly basis.
In early XX/XX/XXXX XXXX asked XXXX for a summary of the autopayments made to Synchrony. When reviewing the summary XXXX & XXXX noticed the cumulative total of the autopayments exceeded the original loan amount of {$7400.00}. The payments at that time totaled {$7800.00}, which was {$390.00} in excess of the original loan amount. ( XXXX XXXX : Autopayments summary reflecting payments through XX/XX/XXXX ) On XX/XX/XXXX XXXX called Synchrony to ask why Synchrony continued to deduct {$260.00} from our checking account after the loan had been repaid in full. ( EX F : XXXX notes from call to Synchrony ). This phone call was the first time we became aware that the interest-free loan was actually incurring 29.99 % interest retroactively to the date we purchased the appliances from XXXX.
On XX/XX/XXXX XXXX called Synchrony to explain the miscommunication and to request that Synchrony negotiate a settlement based on the loan amount that had already been paid in full. The Synchrony customer service representative refused to discuss a settlement but did admit that Synchrony does not send a notice prior to the end of the promotional period. ( EX G : XXXX notes from call to Synchrony ).
XXXX & XXXX searched their files for a copy of the XXXX invoice and the Synchrony loan paperwork. They located the invoice ( see XXXX XXXX ) but were unable to locate any Synchrony loan paperwork. If they had received a copy of the Synchrony loan paperwork it would have been in the records they kept for the purchase from XXXX.
On XX/XX/XXXX XXXX called Synchrony and requested a copy of the signed Synchrony loan paperwork. XXXX was placed on hold for approximately XXXX minutes and then the line was disconnected by Synchrony without any warning. Synchrony never sent a copy of the signed loan paperwork. ( EX H : XXXX notes from call to Synchrony ).
On XX/XX/XXXX XXXX drove to XXXX and requested a copy of the Synchrony loan paperwork. At that time XXXX was only able to provide a blank sample copy of the Synchrony Application ( EX I : Sample loan application ). At the top of Page ( XXXX ) of the Application it identifies XXXX types of credit promotions and is titled, Types of Credit Promotions That XXXX Be Available. The second type of loan is described as INTEREST FREE AND EQUAL MONTHLY PAYMENTS REQUIRED UNTIL PAID IN FULL ( No Interest ). This is the loan XXXX salesperson XXXX XXXX had described to XXXX & XXXX and they believed they had agreed to. As noted previously, on XX/XX/XXXX XXXX & XXXX were prepared to pay the entire purchase price when they met with XXXX XXXX and only opted for the interest-free loan when he presented it to them.
On XX/XX/XXXX XXXX emailed XXXX and requested a copy of the Synchrony Bank application XXXX XXXX XXXX submitted to Synchrony with our customer signatures.
On XX/XX/XXXX XXXX emailed XXXX a signed copy of the Synchrony Application and a Plan Description ( XXXX XXXX : Signed Loan Application + Plan Description ). The Plan Description indicates 18 months DEFERRED/NO INT IF PD IN FULL. The Plan Description does indicate an APR of 29.99 % if the purchase balance is not paid in full but does not indicate what the minimum payment amount must be for the loan to be paid in full in a timely manner. In other words there is no indication that the monthly ACH amount will be {$260.00} and that {$260.00} will be less than the amount needed to pay off the purchase price in 18 months.
On XX/XX/XXXX XXXX emailed XXXX and asked for an explanation of how the monthly ACH amount was set at {$260.00}.
On XX/XX/XXXX XXXX emailed XXXX a reply stating, I do not know where {$260.00} came from. But if you signed up for XXXX finance for Synchrony and your total amount purchased, including taxes, was {$7400.00}. You would divide that by XXXX, and your minimum monthly payment would have been {$410.00} to pay it off in full with no interest. I was not present at the time of the purchase. I can't speculate about the conversation you had with XXXX. But you requested your signed paperwork which I have provided for you.
On XX/XX/XXXX XXXX XXXX XXXX called Synchrony again to request that they have an opportunity to speak with someone about negotiating a settlement based on the loan amount that had already been paid in full. XXXX & XXXX were then transferred to XXXX, a XXXX who confirmed Synchrony will not negotiate a settlement. When XXXX asked XXXX to explain who determines that the monthly payment amount would be {$260.00}, XXXX admitted Synchrony makes that determination. Moments later the call was disconnected without warning by Synchrony. ( see XXXX XXXX, lower portion of exhibit ). The tone of the conversation with XXXX was at all times polite and this can be confirmed by the recording Synchrony made of the call.
Summary : XXXX. XXXX and XXXX were prepared to pay the full XXXX invoice on their existing credit card at the time of the purchase XXXX. The XXXX salesperson indicated the payment could be made interest-free with equal monthly payments through a Synchrony loan XXXX. The XXXX salesperson never indicated the loan would incur 29.99 % interest at the end of a promotional period that would be set by Synchrony XXXX. An autopayment plan was set up by XXXX without disclosure to her that $ XXXX XXXX payments would trigger a retroactive 29.99 % interest charge at the end of a promotional period.
XXXX. XXXX did not receive clear communication from Synchrony prior to the end of the promotional period.
XXXX. Because the monthly payments occurred automatically, until their XX/XX/XXXX conversation with Synchrony, XXXX and XXXX were not aware that the payments had exceeded the {$7400.00} loan amount. As of XX/XX/XXXX XXXX and XXXX have paid {$650.00} in interest and owe {$3900.00} in additional interest.
XXXX. Multiple efforts to resolve this with Synchrony have resulted in Synchrony customer service personnel refusing to negotiate a settlement and ultimately disconnecting the calls without provocation or warning.
XXXX. The Synchrony loan process is misleading and predatory.
|
| 07/27/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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Mrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Mr. XXXX XXXX XXXX President & Chief Executive Officer Lowes Home Improvement-Corporation XXXX XXXX XXXX.
XXXX, NC XXXX SUBJECT : HARDWOOD FLOOR INSTALLATION INSTALLATION DATE : XX/XX/XXXX Dear Mr. XXXX XXXX XXXX : I am writing this complaint letter regarding the installation of my hardwood flooring that I purchased from Lowes Homes Improvement-Corporation at store # XXXX located at XXXX XXXX XXXX. in XXXX, Georgia XXXX, who contracted XXXX XXXX XXXX, who did the Measuring and XXXX XXXX who did the installation.
On XX/XX/XXXX, I went into the Lowes Home Improvement-Corporation store # XXXX located at XXXX XXXX XXXX. in XXXX, Georgia XXXX, inquiring about a hardwood flooring installation.
I previously had a measurement from a contracted measuring company that Lowes Homes Center LLC, used at that time I was charged {$35.00} fee for that company to come measures.
Ms. XXXX XXXX a Lowes salesperson said that they were no longer using that measuring company who had previously measured the flooring documented on XX/XX/XXXX.
The salesperson Ms. XXXX XXXX verified all of my personal information from the computer and said that we will receive a call from XXXX XXXX XXXX to setup a time to do the measuring.
While looking at several samples, I received a XXXX sample chip item # XXXX ( product # XXXX ) in XXXX XXXX. The salesperson ; Ms. XXXX XXXX asked several questions about the project and what we currently had on the floor at that time.
We explained that we had carpet and a XXXX tile border that separated the carpeted areas from the tile areas.
We also discussed that we wanted to keep the Mosaic tile border design and install hardwood flooring to complement the mosaic tile design where the carpet was.
Ms. XXXX XXXX the salesperson for Lowe 's Home Improvement-Corporation, assured us that XXXX XXXX XXXX were well versed and experienced with measuring flooring.
At that point, the salesperson Ms. XXXX XXXX said that an experience XXXX XXXX XXXX XXXX would contact us to schedule an in-home measurement and project assessment.
As promised by the sales associate, a representative from XXXX XXXX XXXX contractor contacted us to schedule an appointment.
On the day of the appointment, the contractor arrived and took measurements and assessed the project. At that time, I asked several questions concerning the installation.
We discussed the hardwood flooring sample we had chosen, and the representative insisted we return to the store to select a Floating Floor. I asked the installer why we could not use the chosen sample. He replied that it would require a plywood subfloor to be nailed or glued down, and it would be too costly and said that no contractor would do it.
The XXXX XXXX XXXX XXXX explained that it would be a bit more expensive around the bottom of my staircase because of the stairs ' roundness.
On XX/XX/XXXX, I returned to the Lowes Home Improvement-Corporation store # XXXX. I spoke with XXXX XXXX, who I believe was an experienced Lowe 's flooring salesperson, and explained what the XXXX representative said would be our next steps to complete my in-home hardwood flooring project.
The salesperson ( XXXX XXXX employee # XXXX ) immediately went to the computer and printed out a Project Estimate and handed to me. At that point Mr. XXXX XXXX gave me another hardwood Floating Flooring sample and said, this is what the XXXX representative said you needed.
I browse over the estimate and found some discrepancies regarding charges for carpet removal, carpet haul away and for furniture moving. Mr. XXXX XXXX called over the department manager to make adjustments on the bill.
The department manager then printed out the Installations Services Customer Contract, and we On XX/XX/XXXX, The XXXX XXXX installers came out to install our hardwood flooring project. They assessed the flooring and the items ordered for the project.
The installer discovered that the Lowes Home Improvement-Corporation had not ordered all of the necessary flooring items. In addition, to that they had order too much of something that we did not need for this hardwood flooring project.
The XXXX XXXX installer then placed a call to his office and priced the additional work and products needed.
Finally, the installers begin working, and at that point, things seem to be going well. I watched as the installers flushed the planks up against the wall ; at that point, it appeared to be going well. I decided at that point to go outside and do some yard work.
When I returned, I was horrified to find what they described as a T-molding transition protruding on the tile, hardwood flooring, and encased around the tile in the foyer, the kitchen area, the fireplace, and the breakfast nook area.
The T-molding transition is a massive piece of unflushed wood that is a walking hazard, that I could fall and slip on while walking through my home, and it is not aesthetically pleasing to the eye. When I try to maintain the floor by dust mopping or sweeping, all the dust and trash goes under the T-molding transitions.
Although an XXXX XXXX XXXX XXXX who is supposed to be and expert and professional at taking measurements accurately, I have numerous of unused hardwood flooring tiles in boxes and flooring accessories leftover in my home untouched and unused.
I contacted Lowes Home Improvement-Corporation, and XXXX XXXX to request a manager from both companies to come out and assess the flooring installation and this product.
After several requests, Mr. XXXX XXXX of XXXX XXXX and the installers from XXXX XXXX came to evaluate the installation issues.
They requested to fix several installation issues during their visit, but I could not accommodate them due to time constraints.
I asked if they would want this floating hardwood flooring installed like this in their homes, they could not answer the question, because no one would.
I have spoken with several people at Lowes Home Improvement-Corporation store # XXXX located at XXXX XXXX XXXX. in XXXX, Georgia XXXX and several XXXX XXXX representatives and asked for someone to come out and replace these T-molding transitions and repair the other installation issues. They continuously state that these are the transitions that the manufacture says goes with XXXX XXXX Floating floors. Both Lowes Home Center, LLC and XXXX XXXX have refused to fix or replace the T-molding transitions.
I have asked both companies to come and take up the flooring and refund my money to resolve this issue, but instead, a gentleman from Lowes Home Improvement-Corporation store # XXXX name XXXX called and said that they would fix the other issues that the installers made but would not take up the flooring or return my funds. However, XXXX offered to give me back {$600.00}. XXXX continued to say that I would have to pay for another flooring if I wanted to have another floor installed. At no point did I request to have another flooring installed ; I asked for the companies to fix the transitions and other installation issues that XXXX XXXX installed and they have refused to do what is require to resolve this matter.
During this project, neither Lowes Home Improvement-Corporation, XXXX Measuring Service, or XXXX XXXX XXXX to me that this is how the project would look.
The service that I have received from Lowes Home Improvement-Corporation store # XXXX, XXXX XXXX XXXX, and XXXX XXXX is deplorable, lamentable, and wretched.
I went to Lowes Home Improvement-Corporation store # XXXX, located at XXXX XXXX XXXX. in XXXX, Georgia XXXX. Because, I believed Lowes Home Improvement-Corporation hired professional experience salespersons, experience sub-contractors, experienced installers, with the expertise and knowledge of their craft.
I also believed Lowes Home Improvement-Corporation would guarantee that the hardwood flooring would be a professional installation and the flooring would be safe and installed to our satisfaction. However, this has not been the case.
Unfortunately, the problem remains unresolved, and I have a flooring that is a hazard, hideous to look at, and also depreciates my home 's value. This is not what Lowes Home Improvement-Corporation advertises as the slogan in the stores and/or online.
Please contact me at the above address or by phone at XXXX.
Sincerely, XXXX XXXX XXXX XXXX Enclosure ( s )
|
| 04/05/2019 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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|
Web |
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This complaint concerns constant harassment from Synchrony Bank. On XX/XX/XXXX a payment was received and accredited to my account in the amount approximately {$4200.00} then that payment was reversed. I was accused of sending in a fraudulent payment when it was a legal tender. On XX/XX/XXXX after speaking with a supervisor the tender of payment money order was corrected by way of Government coupon. It was mailed in and received. On XX/XX/XXXX i received three calls one of which i spoke with a supervisor and a manager named XXXX and she told me the payment was incorrect and told me the correct format once again. She then gave me the corrected address where someone a human would received the manual payment tendered coupon.
Thereafter i had faxed in the proof of payment, and Synchrony Bank filed a missing payment complaint and i faxed that in as well. XX/XX/XXXX, a XXXX XXXX stated in writing that i could also pay by US Currency, well I'm glad to inform you Synchrony Bank the Tender of Payment is US Currency check with the US Treasury. Once you have received tendered payment you instructed to retrieve funds from the US Treasury in Washinton DC or District of Columbia and or any Federal Reserve Bank. The payment was resubmitted and received on XX/XX/XXXX. On XX/XX/XXXX i received another call from Synchrony Bank at XXXX XXXX this time i spoke with XXXX a female located in the XXXX, i asked to be transferred but she explains deceptively that if she transferred me it could take some time. I asked her if she could look into my account and see if Synchrony had received the payment tendered coupon. She said ok, i was on hold for about six minutes. When she came back she said she could see the payments where received and that she would place me on hold again to speak to a manager. I held for another five minutes. She came back on the phone and told me that her supervisor said that the payments had been received and to allow four to five days for it to process and another four days or so for it to post. Now at this point i am being told many things about my payment received or lost and then not received. Rather today XX/XX/XXXX i have received multiple calls after a cease and deist. Come now and notice that I the man owner of said property acquired by purchase! i have not received a letter [ s ] from the CEO or Controllers from the Back Office of Synchrony Bank, or CEO or Controllers of XXXX XXXX agency concerning the decline of the Tender of Payment Offer. Please provide in writing your legal and or lawful reason [ s ] for not accepting the government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. A letter from the Research Department is not the proper channel for this type of payment because they do not know what the Tender Of Payment is! Such is legal Tender for property and this card was used to secure such.
A copy of the Tendered payment was mailed to the US Treasury and received for you to retrieve payment! Please note ; In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the contractual agreement is the document that pledges the property as security for the loan.
3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Thus all is dealing with property of State of the people and my private property.
ss # XXXX XXXX XXXX IN THE MATTER OF ARBITRATION BETWEEN THE FOLLOWING PARTIES Arbitration or Meditation Demanded if there is threat of collections or taking of property hereafter the tender of payment has been offered thereto Synchrony Bank a XXXX XXXX XXXX or XXXX XXXX in concert with the FDIC and the United States Of America.
You are unlawfully demanding and or attempting to collect late fees and/or parents in violation of the terms of the agreement and the arbitration process as you have claimed a debt is owed after tender of payment, you are hereby order to cease and desist from any further attempts at such collection! If you continue to ignore the terms of the agreement, the daily penalty rate will insure for each day since the entering of agreement and the default of infraction. A request will be made to the Arbitrator to adjust the award as a result of the calculations not previously taken into account by the soon to be arbitrator, as is permitted via the Federal Arbitration Act 9 USC 1-16.
Please note this is a legal tender and not a fictions currency but back by the " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83.
Therefore tender of payment or The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( XXXX XXXX, XXXX, ch. 6, 16 ( par. ) ,38 Stat. 265 ; XXXX XXXX, XXXX, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; XXXX XXXX, XXXX, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Therefore this is lawful money and United States Currency and not illegal As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p.
Acquisition of location information - claiming payment was lost when it was received.
Communication in connection with debt collection - multiple calls after i have spoken to someone. Bank stated they received the payments but then lost them. Bank stated it take US Currency which is Tender of Payment Harassment or abuse - Customer service being rude and nasty. Transferred to a non english speaking country where either party can under stand one another False or misleading representations - Stated during a recorded call on three occasions that the Tender of payment is acceptable as well in writing calling it US Currnecny Unfair practices - As stated too many calls and no one can find payment after the payment was recorded line said to have been received.
Validation of debts - stated that i verbally contracted with them without a party present from Synchrony bank.
Multiple debts Legal actions by debt collectors - In house collections calls on four occasions after payment was received.
Furnishing certain deceptive forms - Produced a form claiming that i chose a button online to never have payments done by manual mail and other.
Civil liability Administrative enforcement Exemption for State regulation - claim to be exempt from state regulations Exception for certain bad check enforcement programs - stated that my payment or tender of payment was illegal
|
| 11/28/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I am writing to report a dispute with my XXXX XXXX account and the flooring vendor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX Ohio XXXX Phone XXXX Salesperson : XXXX XXXX I have an initial charge of {$4800.00} as of XX/XX/XXXX and a subsequent charge of {$2100.00} on XX/XX/XXXX.
On XX/XX/XXXX, XXXX XXXX, a salesperson for XXXX XXXX XXXX in XXXX Ohio, came to our home to measure our new home for flooring which we had picked out earlier in the day at the show room. He gave us a quote for carpeting in the living room hallway and bedrooms and vinyl flooring for the kitchen and laundry room. While we decided not to go with the kitchen flooring at the time, he quoted us an amount of about {$1800.00}. I do not have the quote in my possession, but it is at the store.
The carpet was installed before we moved in. When we came with the moving truck, several days after the install, I immediately discovered it was the wrong carpet.
After moving in, I visited the store and met with the XXXX and brought a piece of what was installed and the sample of what I had ordered. He offered to tear up the carpet and re-install what I had ordered. At the time, I thought that was extreme. So, he offered to give me half off any flooring I had installed.
On XX/XX/XXXX, I met with XXXX XXXX, showed him the business card from his boss with the next purchase of flooring at materials promise written on it and proceeded to purchase the flooring I had in mind for the kitchen. He was not interested in giving me the and said so, because I was willing to keep the carpet that was installed. Not only did he not honor the off his boss promised, the quote was now {$2100.00}, because He failed to add in moving all the appliances in the first quote. I told him that it still didnt include the half off offer from his boss for the materials. He reduced the quote to {$2000.00}. I reluctantly agreed because he had me worn down and I also felt bad negotiating because he had just lost his wife to a sudden illness. I believe he picked this price because it took me to my credit limit with XXXX as he asked me what my credit limit was when writing up the quote. Obviously, however, this does not include of materials.
Before I received my second invoice from XXXX, l I had called several times to check on a timeline for the vinyl flooring installation without a call back. When I opened the statement dated XX/XX/XXXX, I was shocked to see not only was I charged {$2100.00} but the kitchen vinyl flooring has not been installed yet. And repeated calls to the shop have gone unanswered. When my husband finally got a call back and mentioned the charge without receiving the flooring, XXXX XXXX, said, so what, its interest free!
I mailed my first dispute letter to XXXX on XX/XX/XXXX.
On XX/XX/XXXX, after I mailed my dispute to Synchrony, XXXX XXXX, the salesperson for XXXX XXXX, called me on my cell phone while I was at work. He wanted to schedule delivery for the flooring the next day. I said that was not possible. He did not know, and I did not tell him that I was travelling that day for a XXXX XXXX screening. He then became perturbed/agitated, noted by his tone and word choice, and asked about the next day. I said no, it would not work either. He asked me what my problem was and I told him that I would not schedule the flooring to be installed at this time because I had filed a dispute claim. At this time, XXXX XXXX started screaming at me on the phone, asked why I filed a claim and didnt just cancel the order. I told him it was my right as a consumer. His voice was so loud and violent and the language so abusive that my colleague across the hall heard him. I hung up on him. He immediately called back, and I did not pick up. Several minutes later, he sent me a text message, as follows : XXXX, I would like to apologize. Things lately have been a complete disaster for my family. My wife unexpectedly passed away a few weeks ago. I want all of my customers to be happy with their purchase. I am so sorry you feel that the price was too high. We did go over the pricing together. However my boss wants to take {$400.00} to help with the cost. I sincerely appreciate you and know that things are so expensive across the board. Cant even go grocery shopping without dropping a few XXXX dollars. Please reach out to me when you can. Thank you XXXX. XXXX I am not sure who is reading this, but this apology misses the mark on so many levels. There is no apology for his behavior. A death in the family does not allow you to verbally abuse someone. I am a XXXX XXXX XXXX woman dealing with my own health and family health issues, but it is not appropriate to take this out on another person. After relaying the story to my family and colleagues, they suggested I should have called the police.
That his boss, thinks that throwing {$400.00} at a woman you just abused will make everything okay is also unbelievable.
I received a letter on XX/XX/XXXX saying the dispute was being reviewed, I sent additional information on XX/XX/XXXX via XXXX as instructed. Although the letter says I XXXX upload my documents to the secured email message option, the email address is not provided in the letter only the mail address.
I have spoken to a XXXX representative XXXX times. Once on XX/XX/XXXX, I received a voice mail from Synchrony bank and when I returned the call the representative confirmed my dispute was still in process. And, on Friday XX/XX/XXXX, and the representative at that time said there was no evidence of my previous dispute filings. I gave him a brief description of the previous contacts I had made. My dispute had been cancelled. He was going to file the claim as a new claim. But he did say a credit of {$100.00} was showing on my account.
And then on XX/XX/XXXX, for the third time, I spoke to a representative named XXXX. She had some difficulty locating my previous claim letters and then found that my dispute had been closed due to a duplication. I explained and she could see from the history that it was not a duplicate, but the additional information requested to help support my claim. I asked about the email option mentioned in the letter. She said there is no email option, but I could upload my documents to my account through the customer portal. That is not mentioned in the form letter. I have tried several times to use the customer portal to upload my documents, but it times out.
The reason for my third call was that I had received my billing statement that showed I was once again being billed for purchases that were under dispute. I was not given the notice or explanation that XXXX 's policy states I would receive no matter what the result of the investigation.
According to the back of my statement from XXXX : If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 1. The purchase must have been made in your home state or with 100 miles of your current mailing address and the purchase price must me greater than {$50.00}.
2. You must have used your credit card for the purchase.
3. You must not yet have fully paid for the purchase.
If all of these criteria above are met and you are still unsatisfied with the purchase, contact us in writing at Synchrony bank.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and do not pay we may report you as delinquent.
At this time, I dispute both charges.
The initial install of {$4600.00} because it is not the carpet I ordered, the company knew it, offered a small remedy and it was not honored by the salesperson.
The {$2100.00} because the quote was {$2000.00}, did not include the flooring materials offered as a remedy, has not been installed although it was in stock at the time.
I am interested in cancelling the second order and finding another vendor. But I will wait until this is resolved.
Thank you for taking the time to read this.
|
| 10/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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This complaint is in reference to my PayPal Credit Card Acct by Synchrony Bank. On XX/XX/2020 and XX/XX/2020 I made two payments to XXXX to pay for furniture in the amounts {$79.00} and {$250.00} respectively. These payments equated to the new balance of {$330.00} on statement closing date XX/XX/2020.
Both orders from XXXX were returned and I was awaiting a refund in full of {$330.00}. However, my PayPal credit card due date was coming up before the estimated refund date which would otherwise {$0.00} my balance. After speaking with a PayPal Chat representative, I was advised to pay the minimum payment due of {$56.00} to avoid the standard interest charge prior to the XXXX refund. I was told that this would put my account into credit after the refund if I made no further purchases but that I would be able to request the overage of {$56.00} back via a refund check.
As can be seen on the follow-up statement on closing date XX/XX/2020 I made the {$56.00} minimum payment on XX/XX/2020, followed by the XXXX refunds of {$250.00} and {$79.00} on XX/XX/2020 and XX/XX/2020 respectively. This put my total payments & credits at {$390.00} versus the balance of {$330.00} and therefore left me with a credit balance of - {$56.00} which I was owed and that I had been advised would happen, as above.
On XX/XX/2020 I spoke with a PayPal chat representative again who issued me a refund check in the amount of {$56.00} with Reference ID : XXXX bringing my PayPal Credit Card balance back to {$0.00} from - {$56.00} in credit. This can be seen on statement closing XX/XX/2020. I was advised this check would arrive with me within XXXX business days.
Almost a full month later I had not received the check and on XX/XX/2020 I spoke to another PayPal Chat representative to enquire as to why I had not yet received my refund check. They assured me that it had been sent, but since I had not received it they would void the original and re-issue another. As can be seen on statement closing date XX/XX/2020 the original refund check was voided on XX/XX/2020 under the Purchases and Adjustments header in the amount of {$56.00} being added to my balance and then re-issued under the Payments & Credits header under Reference ID : XXXX. I was again advised that the new check should arrive within 7-10 business days.
A few days later I received a check in the mail for the {$56.00} from PayPal Credit. However, I suspected this was probably the first refund check arriving late and not the second re-issued check as 7-10 business days had not yet passed. I therefore spoke again with a representative from PayPal chat as I was worried that if this was the original check, if I tried to deposit it, it may bounce and this would then incur additional bank fees for me. The representative assured me that I could still deposit this check, even though it was the original despite discussing my concerns. Due to the reassurance that I could go ahead and deposit this original check I did so on XX/XX/2020 into my XXXX bank account. A few days later the second check arrived, which I discarded as advised, since I had already deposited the original. However, on XX/XX/2020 my XXXX bank account made me aware that the original check did in fact bounce and was returned as I had originally had concerns about, which then incurred fees to me.
Immediately after the original check bounced I reached out to PayPal chat again on XX/XX/2020. Since I now had a balance on my credit card after making purchases I requested if it were possible for the {$56.00} to be credited to my account now instead of a 3rd check being re-issued, to speed the process up. I was advised this would be possible but that a request would need to be put in with a specific department who deals specifically with issuing refund credits like this as the chat representative was unable to do it themselves. I was advised to keep checking my account for the {$56.00} credit. I since received a letter in the mail from PayPal Credit advising me that my request had been received and that it would take 1-2 billing cycles for me to see the {$56.00} credit reflected on my account.
It has now been almost 3 billing cycles and I have yet to see any credit for the {$56.00} refund that I am owed. The only credit that has been issued was {$20.00} on XX/XX/2020 which was an apology for the inconvenience I have had thus far, as well as the fees incurred to me by my bank due to the original check being returned at the incorrect advice of the PayPal Chat representative. When I have made any attempt thereafter to check for updates, I just kept being advised it would take 1-2 billing cycles and to wait. Due to 1-2 billing cycles now having past, I have been dismissed and told false information ever since. Subsequent closing statement dates XX/XX/2020 and XX/XX/2020 have no evidence of the {$56.00} refund credit.
The most recent representative I spoke to, to date, advised that the refund credit was supposedly issued on the statement closing XX/XX/2020. This is however incorrect as this statement just shows the original check being voided since I had yet to receive it at this point ( {$56.00} added to my balance ) and re-issued as a second check as explained above by the representative I spoke to on XX/XX/2020. Essentially the movement of {$56.00} being added to my balance and then credited by this representative as a means to re-issue the check on XX/XX/2020 has a net of {$0.00} on my actual balance and therefore this does not show that any credit was directly applied to my actual balance on this statement. To highlight that this is the case, my purchases on this statement from walmart.com ( {$300.00} XXXX, XXXX XXXX XXXX {$4.00} ) and Kirkalnds ( {$42.00} ) add to {$350.00} which is identical to the new statement balance on statement closing XX/XX/2020. If a credit of {$56.00} had in fact been applied on this statement to my purchases then my new balance would have been {$290.00} XXXX {$350.00} - {$56.00} XXXX. However the {$56.00} was added to my balance taking it from {$350.00} to {$410.00} and then re-credited as a check bringing it back to {$350.00} and therefore there was no net change in my balance and no credit was directly applied. Furthermore the second check I did receive as a result of this was discarded as I have already explained above, as this check was received in the interim between me being advised to deposit the original check that arrived late, and the original check being returned bounced so I also have no means to cash this re-issued check from XX/XX/2020 as it is no longer in my possession.
Everybody I have spoken to since is not able to understand that I have not yet received the refund I am owed even though I have attempted to explain the situation in much detail. I have been misinformed and no resolution has since occurred from the special request and subsequent letter I received. All in all, this entire situation has taken up hours of my time and there is no resolution in sight as it appears that representatives that havent fully understood the issue have notated my account with this incorrect information, and therefore any time I attempt to speak with future representatives they all give me the same run around and no one seems to look into this in any further detail for themselves. The conversations I have had with the PayPal chat representatives have to be some of the worst I have ever encountered. I also spoke to a customer service representative via telephone who had me on mute at the start of the conversation before he decided to answer and when he finally decided to answer continued to sigh and act as if it was too much of a problem for him. I have been unable to get in touch with anybody who cares to look any deeper into this issue for me.
I have been owed this {$56.00} credit as a refund since XX/XX/2020 and taking into account it has now been almost 4 months I have no other option but to submit a complaint to the Consumer Financial Protect Bureau to aid in the process of having this issue resolved in a timely manner otherwise I am afraid I will never see this money again.
|
| 10/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
First, I am a XXXX year old woman who was targeted in an XXXX scam.
There is a Synchrony Bank Account/Amazon account that appeared on all 4 credit bureaus in mid to late XXXX. I noticed them after ordering my free annual credit reports and started disputes to all the bureaus, however, I was not able to get all documentation to them in a timely manner as I had to be treated for XXXX XXXX. The original number that appeared on this account is XXXX on all four bureaus attached is the account number as it shows on the XXXX Report.
Synchrony Bank Fraud Department sent me correspondence requesting the identity theft information in late XXXX early XXXX which I filled out and returned them that included the two police report numbers they asked for. A few weeks later I received from them a letter advising that they were removing these accounts from all four bureaus. Synchrony Bank removed the first Synchrony/Amazon Bank account but then in an underhanded and sneaky way opened a new account in name with a new number and reinserted on all 4 bureaus and started reporting to that number. I found out when speaking go XXXX Fraud Department when I was asked if there were two accounts. I said I never had any accounts and she said there were two Amazon accounts. II have never had an account with Synchrony/Amazon. The new partial number is XXXX which appears on the XXXX report and probably all bureaus. I received the number today, XX/XX/XXXX in correspondence from XXXX. ( Attached ) Synchrony Bank continues to reinsert and report accounts that were opened in my name on line by people impersonating me. This account look to be account that was opened online after I gave XXXX XXXX who I worked with me and was a friend of the family and had been in and out of my house on a regular basis and whom I had given three used phones and a tablet along with other used items in XXXX not knowing we he actually lived in XXXX, XXXX XXXX XXXX on the XXXX XXXX and was in the US on a work permit.
I have had a checking account at XXXX I closed out in XXXX because XXXX was never able to stop all the fraud/identity theft on my checking accounts and consistently shutting down my debit card without notifying me and sending a new card because of fraudulent activity by other people who had stolen and used the card number. There was always money missing from my account and XXXX could not tell me why.
On XX/XX/XXXX I once again disputed this account as being identity theft and provided a XXXX County Sheriff 's Department Police report ( attached ) regarding a harassment/scam incident I had been experiencing with the XXXX XXXX man who I met and worked with beginning XXXX, XXXX and until I resigned in XX/XX/XXXX. I did not know at the time he was only here on a work permit and travels back and forth from XXXX to the US collecting used items to take back and sell. He misleads people when he is here and tells them the used items are for the needy in XXXX. I found out in XXXX per the first attached Sheriff 's Report which is Harassment and where he and his family were trying to scam me out of money. Each and every time I told them NO the harassment would escalate until there was Sheriff at my door in XX/XX/XXXX the date of the first report.
In XX/XX/XXXX XXXX XXXX approached me at Lowe 's and requested used clothing and electronics ( i.e, used unlocked phones and tablets. I gave him clothes and other items and also a XXXX phone, an XXXX XXXX XXXX phone, an XXXX phone and a tablet. I don't remember the brand of the tablet, but they were all unlocked and reset to factory settings. I thought resetting the to factory settings would make them safe but was later advised it DOES NOT clear the memory and your personal information can still be obtained. I found later in a conversation with XXXX XXXX he shipped these things back to XXXX in XXXX in a container that contained cars, and other things but also included the used clothes and electronic items. Once he took these things back the phones memory were broken into and all my personal information was taken which included all banking information, including passwords, verbal passwords as well, all my email addresses, were taken, phone contacts, everything that I stored on my phone in my XXXX password directory. He had access to my XXXX account and set up 3 accounts in my name which I have since had taken down. I have reported him to the Department of Immigration and sent emails to Lowe 's as they were allowing him not only to work there but to solicit customers and employees for used items and especially electronics as being distributed as items for the needy but he was actually selling them.
During the early to mid day on XX/XX/XXXX, I had two strange calls one to my home phone and one to my cell phone both were the same XXXX man asking questions. I didn't answer any questions, I just hung up. in the early evening I received emails from my home phone account provider that my password had been changed. I called to find out what was going on and to correct it yet someone changed it again. The same evening at about XXXX I received a call from XXXX XXXX Department who told me there was suspicious activity taking place on my account. XXXX XXXX had been put on my checking account and a spoof card had been bought using my checking account in the amount of XXXX. I was also advised that this same XXXX man or maybe a woman had called in impersonating me and spoke directly with XXXX employees about my accounts a day or so earlier. These are the same people who opened the Synchrony/Amazon Account.
XX/XX/XXXX I filed a dispute with all bureaus with included the first police report ( attached ) again only to be told I needed a different report and that Synchrony Bank would not remove them. OF COURSE SYNCHRONY BANK WOULD HAVE MY INFORMATION AS THEY HAVE SPOKEN DIRECTLY WITH THE PEOPLE WHO STOLE MY PERSONAL INFORMATION BY IMPERSONATING ME ONLINE OR BY PHONE USING INFORMATION TAKEN FROM THESE ELECTRONIC DEVICES AND OPENED THIS ACCOUNTS IN MY NAME.
On XX/XX/XXXX, I again disputed these accounts and sent all bureaus a new report ( attached ) Fraudulent Use of Identification and Impersonation regarding these same XXXX who impersonated me and who spoke directly to XXXX when they called in to XXXX number and spoke with XXXX personnel and opened up and used these accounts using my information obtained from these phones and tablets and opening the Synchrony/Amazon Account as well.
I do not have a complete account number only partial numbers from the credit reports as I have never had these cards/accounts.
Synchrony Bank needs to provide me with applications filled out and signed by me allowing Synchrony Bank to open up these accounts/cards. If it was opened online why didn't they gave it finished and opened up in person and where is my authorization to open a new account in my name by Synchrony Bank. Unless this can be provided Synchrony must remove these from all bureaus. Simply saying these accounts belong to me when others have all my personal information at their disposal and are using is not enough since Synchrony Bank allowed these fraudulent accounts to opened up by people impersonating me online or over the phone without contacting me first before opening them yet this is what happened. It appears these accounts were dumped as soon as these people realized my checking account had been closed and moved and when I changed all my personal information including my XXXX account containing my personal information.
Provided the application you said I filled and signed not an online or phone application that can be done by anyone impersonating you after they have stolen your phone identity and all your personal information and is using it. Also provide the application I filled out and signed on the new account you opened in my name and are reporting to.
Also provide the letter you sent me advising both Synchrony/Care Credit and Synchrony/Amazon accounts were closed. I have my copy, I want to see what lie you tell about that since you opened a new account in my name.
|
| 12/23/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
We received our XXXX XXXX credit card account statement on XX/XX/XXXX. My wife and I have a joint credit card account with XXXX XXXX and when we make a store purchase we come home and write a check for the amount of that purchase. The check ( s ) can be written on my bank or my wife 's bank accounts. When the credit card statement arrives we match the check amounts to the credit card amounts on the statement, add up the amount of the checks, post that amount in the box on the payment stub and mail our payment ( s ) to XXXX XXXX XXXX/XXXX XXXX in XXXX Georgia. We have done this process since starting our credit card in XX/XX/XXXX and have never had any issues. We do not pay interest because we pay our bills on time. We have very good credit because we pay our bills on time.
Upon receiving our credit card statement I noticed an interest charge of {$25.00} and a balance due of {$1200.00}. I knew we had mailed checks for our previous statement charges and was surprised to see interest charges and a balance in this amount. I called customer service on the eve of XX/XX/XXXX and spoke with XXXX and asked what the issues were with our previous payments. As you will see on the attached credit card statement there were 9 payment adjustments made on XX/XX/XXXX for a total of {$1100.00}. These payments represent checks that my wife and I mailed on the previous statement. Of the 9 payment adjustments, 6 of the payments were my checks and 3 of the payments were my wife 's checks. XXXX told me these checks had been refused and when I asked why she strongly suggested that we contact our banks to make sure there were funds in our accounts to cover the checks. I assured her that there was not a problem with fund availability and told her the checks had never been presented to our bank for funds. As you can see noted in the column of the statement the first check was written on XX/XX/XXXX through XX/XX/XXXX. We continued our conversation and XXXX could not tell me why the checks were refused and upon my asking told me a letter of explanation had been mailed on XX/XX/XXXX. As of this writing we have not received any such letter. XXXX told me she would remove the service charges and transferred me to a supervisor voluntarily. The supervisor had to listen to my same story and her response was that we should check with our banks to make sure there was funding in the accounts. I assured her there was no problem with funds in our accounts, that we do not pay interest and we pay our bills on time. The supervisor, during our conversation, noticed a memo on the account that said the checks had been refused because of signatures but she could not give me any further details.
I called our local XXXX XXXX store in XXXX Virginia on the morning of XX/XX/XXXX and spoke to XXXX, store manager. He listened to my story and told me that I would need to talk to the lady in accounts and XXXX the Finance Manager called me around noon on XX/XX/XXXX. XXXX said she could not tell me why the checks had been refused but would do some research and call me the first of the following week. Not hearing anything, I called the XXXX XXXX store on XX/XX/XXXX and a young lady said XXXX was not in and would leave a note for XXXX to call me. I finally talked to XXXX on XX/XX/XXXX and she said she did not receive a note to call me. She transferred me to XXXX, Admin. Manager and I once again gave my story to XXXX. She could not give me any explanation as to why the checks were refused and suggested that I call XXXX because they handled check payments. I spoke to XXXX at XXXX and he asked me a number of personal questions even needing to know my Driver License Number and in a short time came back on the phone and said he had no record of any of our transactions through their business. He indicated they deal with in-store payments and our payments were made through the mail. I then called XXXX XXXX Corporate at XXXX and spoke to XXXX. And once again told him my story. After a lot of wasted time he told me my only option was to call the XXXX XXXX again.
I called the XXXX XXXX on XX/XX/XXXX and spoke to XXXX, and once again told her my story. We went through the same conversations as I had with previous contacts and she suggested that I issue a new check for the payments that were refused. I told her I will not do that until this problem is resolved because our banks had not had checks presented for funds, and I did not know where our hard copy checks were. She told me a letter of explanation had been sent to us XX/XX/XXXX, as of this writing we have not received a letter of explanation. I ask XXXX to have our hard copy checks sent back to us and she said they could only send a copy of them. She told me those copies would be mailed on XX/XX/XXXX.
I went to my bank on XX/XX/XXXX and spoke with my banker about this situation. She showed me copies of checks written to XXXX XXXX on my bank account from XX/XX/XXXX and the signatures were identical to the signatures to the checks I sent and she could not understand why they were refused. She told me she had never heard of this excuse in her banking career and informed me that if a signature went below the line on the check it was not a problem because when the checks are scanned, the scanner only reads the Micking number and does not read the ink from the signing. She called the XXXX XXXX and spoke to XXXX. XXXX asked for my permission to allow my banker to allow her to discuss this problem and I granted her permission. After talking to my banker, XXXX got on the phone with me and I told her my story, once again, and she told me there was no letter of explanation mailed on XX/XX/XXXX. She also told me she had never heard of checks being refused because of a problem with signature. She transferred me to XXXX and XXXX said she had never heard of this happening and also said no letter of explanation was sent on XX/XX/XXXX. I asked XXXX if she could look at my wife 's checks and her signature. She did, and said there was no problem with her signature and could not understand why the checks had not been submitted for payment.
I came home from the bank and called the XXXX XXXX on XX/XX/XXXX and spoke to XXXX and once again told her my story. She said that in her 11 years with XXXX XXXX XXXX she had never heard of checks being refused for this issue. She was very nice, very helpful and seems to want to find out why this problem occurred. During our conversation I was on hold for approximately 25 minutes as she checked with co-workers. She looked at my wife 's signatures and said there was no problem with the signatures and said she would like to have a couple co-workers look at the checks. She put me on hold and came back and said that her co-workers saw no problems with the signatures and had never heard of this excuse. XXXX said one of her co-workers theorized that the Federal Reserve could have been involved. I asked XXXX where our hard copy checks were and she told me they had been destroyed by XXXX XXXX. I asked XXXX if I could provide her with my phone number and have her call me and update me on the progress on this matter. She promised me she would call me within 7-10 calendar days. As of this writing I have not received a call from XXXX.
On XX/XX/XXXX I received a copy of my 6 checks but the 3 checks written by my wife were not included. Attached is a copy of the letter along with the 6 checks from XXXX XXXX.
Hours upon hours have been spent begging a large business and their credit card system to take our payment. We have never had this happen in our lifetime to either of us. We feel XXXX XXXX Credit Card Center got the cart before the horse by sending us a statement with interest charged and payments refused and no explanation. Upon asking for an explanation we were told the explanation had been sent before the statement but as you find in the previous paragraphs that explanation was never sent.
We were forced to make a large purchase XX/XX/XXXX from a competitor because we were nervous about how our payments were being handled by XXXX XXXX XXXX XXXX.
|
| 04/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Paypals XX/XX/XXXX response to my CFPB complaint # XXXX- XXXX is completely untrue and a deliberate and calculating attempt to misform me, the public and the CFPB. Additionally, Paypal has chosen to ignore my complaint concerning the issue of me being blocked from making a payment. The following is proof of Paypals false responses : Here is a list of my original complaint with PayPals responses to each : Paypal solicited me for their Paypal credit. I applied & was approved for a {$3500.00} line of credit in XXXX XXXX. I used this line of credit once for {$29.00} and with XXXX for {$280.00}. However, every time I attempted to use my line of credit I was either denied or informed by Paypal that the merchant did not accept Paypal credit for my transaction, This was false information as the merchants all accepted paypal credit at the time.
PayPals response : you stated you were only able to complete two purchases using your PayPal Credit account. As a courtesy, please find enclosed a debt validation letter listing all the purchases, credits, and payments on your account. This information confirms you were able to complete thirty one purchases.
PayPals Lie : Paypal is correct that 31 transactions were evidently completed.What Paypal deliberately ignored is the fact i was denied 103 times on those same 31 completed transactions. Here is the routine ; I would be denied, I would contact Paypal and ask why Paypal would provide an Automated response which does NOT answer my question I would have to reply to PayPals XXXX response Paypal would provide another evasive response stating the Merchant does NOT accept PayPal credit. Heres one of those responses ; We're sorry to hear that you're having difficulty with any of your transactions. At this time we have no record of any failed purchase attempts on your PayPal Credit account, so we consulted with PayPal and confirmed that PayPal declined your most recent attempts before they were even sent to PayPal Credit for approval.
To clarify, there is nothing wrong with your account. Going forward, please keep in mind that PayPal Credit may not be offered for every PayPal transaction. Not every online merchant accepts PayPal Credit, and PayPal reserves the right to restrict your ability to use your credit line depending on the circumstances of each transaction. It's simply that at this time, the system is not allowing your transaction to go through using your PayPal Credit account.
I would respond again and informed PayPal the Merchant DOES accept Paypal credit Paypals next response would be the following ...
" Dear XXXX XXXX, My name is XXXX with PayPal Credit Customer Solutions and I'd be happy to help you with resolving your inquiry. I apologize if the auto-response did not properly address your concerns. Please pardon our delayed response.
We're sorry to hear that you're having difficulty with any of your transactions. At this time we have no record of any failed purchase attempts on your PayPal Credit account, so we consulted with PayPal and confirmed that PayPal declined your most recent attempts before they were even sent to PayPal Credit for approval.
To clarify, there is nothing wrong with your account. Going forward, please keep in mind that PayPal Credit may not be offered for every PayPal transaction. Not every online merchant accepts PayPal Credit, and PayPal reserves the right to restrict your ability to use your credit line depending on the circumstances of each transaction. It's simply that at this time, the system is not allowing your transaction to go through using your PayPal Credit account.
We may be able to help you complete your purchase, or provide you with some tips on how to avoid a similar issue in the future, but we are unable to address these types of declines by email. For additional assistance, please call us at XXXX-XXXX-XXXX Monday through Friday from XXXX XXXX to XXXX XXXX ET, and weekends from XXXX XXXX to XXXX XXXX ET.
Thanks for being a PayPal Credit customer.
Sincerely, XXXX '' ***Now heres almost the identical response from another Paypal Rep. XXXX `` My name is XXXX , I'm a Customer Service agent with PayPal Credit , and I have received your most recent email inquiry regarding your account. I appreciate your time, and will attempt to help you in any way I can.
We're sorry to hear that you're having difficulty with any of your transactions. At this time we have no record of any failed purchase attempts on your PayPal Credit account, so we consulted with PayPal and confirmed that PayPal declined your most recent attempts before they were even sent to PayPal Credit for approval. Please note that a canceled or declined transaction may still appear as pending within your PayPal history even if PayPal declines to submit it to your PayPal Credit account for billing.
To clarify, there is nothing wrong with your account. It's simply that at this time, the system is not allowing your transaction to go through using your PayPal Credit account. PayPal does reserve the right, as indicated in our User Agreement, to limit the funding source for any individual payment. This is listed under section 3.4 of our Payments Policy. We realize that this can be a frustrating experience, but the security and integrity of our system is important to our company and to our customers. Unfortunately, this leads to a small number of transactions being denied '' I would be forced to contact support who also would provide false information to me. I would wait a few days initiate the same purchase and sometimes they would process. ( between XX/XX/XXXX & XX/XX/XXXX, I had to send Paypal Support over 34 emails. The time that took alone has caused me monetary damages, stress, anxiety ect ...
Finally Paypal would admit my line of credit use was restricted but refused to tell me why. To clarify, there is nothing wrong with your account. It's simply that at this time, the system is not allowing your transaction to go through using your PayPal Credit account. PayPal does reserve the right, as indicated in our User Agreement, to limit the funding source for any individual payment. I also requested my complete dossier Paypal has created for me and Paypal STILL refuses to provide that. It wasnt even addressed in their response.
In Summary Paypal has restricted my use of the line of credit and refuses to inform me why. XXXX I linked a checking account and made a payment. However, since XXXX I have been unable to link that same checking account therefore unable to make a payment. Paypal provided me other options but those also will not process for me. PayPals RESPONSE : Nothing! Paypal did n
ot address this issue, which is the reason no payments have been made.
It seems Paypal has now restricted me from all online options to make a payment but refuse to inform me why, I have emailed support at least 6 times about this and they do not respond. Paypal has breached our contract in so many ways and I have since filed a lawsuit in the XXXX district court XXXX Mi XXXX.
PAYPAL RESPONSE : Again Paypal NEVER addressed this issue In the meantime my account payment is late but I have no options to pay and Paypal refuses to answer any of my questions. This is literally insane! All Paypal is interested in is giving the appearance of complying with CFPBs regulations. Here is another email I sent Paypal.
" Not even close to answering my questions. So I will ask it again.
here is the question : Attempted to use a Paypal promo to purchase from XXXX XXXX XXXX, Paypal requested a security review 3 times by sending text message codes. I successfully answered all and paypal confirmed my identity with the following. " Identity confirmed '' So if Payp has confirmed my identity numerous times and also confirmed my Identity previous days in numerous different ways, one being answering security questions. Why am I not allowed to use, my PayPal line of credit?
documentId : Screen Shot XXXX at XXXX XXXX, Screen Shot XXXX at XXXX XXXX, Screen Shot XXXX at XXXX XXXX, Screen Shot XXXX at XXXX XXXX ''
|
| 05/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
CareCredit/Synchrony Bank ch arged me a late fee of {$96.00} for paying my account balance on tim e ( Pa yment of {$80.00} made through XXXX XXXX XXXX on XX/XX/XXXX - Du e d ate for balance on acco un t XX/XX/XXXX with a balance of {$35.00} ). CareCredit/Synchrony B ank disputes that I made a payment within the billing cycle. Below is the electronic bill pay from my XXXX XXXX XXXX account sh owing where I have pa id CareCredit/Synchrony Ba nk each billing cycle and no late fee has ever been charged : XXXX XXXX XXXX Click here to view your contact details Profile & Settings link and menu.For the following menu links and submenus : To move through submenu items press tab. Sign Out Payments Overview Payments Overview Automatic PaymentsOverview page Make a Single Payment Search for Payments Payment Activity Search for Payments Hide the Search for Payments section Date : Use the date options to filter your payments by all dates or a date range All datesSelect this option to filter by all dates Range ofTransactions from start date of to end date of mm/dd/yyyy Pay To account : Pay From account : Payment status : Show Paymentsbased on the selected filters Back to top Payment Activity Downloadpayments based on the selected filters Printpayment activity shown on the page Display : Go The Go button is disabled. Select a date range from the Display select b ox to enable it. Resu lts 1-20 of 25 First | Previ ous | Nextpage of payments | Lastpage of payments Pay To : NameSort the Pay To accounts in ascending order by name ( a-z ).
NicknameSort the Pay To accounts by Nickname in ascending order ( a-z ).
Pay From Amount Deliver By sort payments based on the Delive r By date ( newest to oldest ). Select the link to change the sort order ( old est to newest ). Confirmation Number Status Action -- -- > CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} Inquire Abou t Paymentto CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} Inquire About Paymentto CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} -- -- -- -- - > CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} Inquire About Paymentto CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} -- -- -- -- -- -- -- -- > CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} Inquire About Paymentto CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} Inquire About Paymentto CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} -- -- -- -- -- -- - > CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} -- -- -- -- -- -- -- - > CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$80.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$80.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$61.00} 01/08/2016 XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$61.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$60.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$60.00} CareCredit/GECRBView more details about CareCredit/GECRB- XXXX - XXXX XXXX CORE CHECKING- XXXX {$62.00} XX/XX/XXXX XXXX - XXXX Processed View Paymentdetails to CareCredit/GECRB - XXXX on XX/XX/XXXX for {$62.00} First | Previous | Nextpage of payments | Lastpage of payments Below - Please compare the CareCredit/Bank statements for XX/XX/XXXX and XX/XX/XXXX with the electronic bank record from XXXX XXXX XXXX showing where I have made my payments to CareCredit/Synchrony Bank on time.
lockLog in to My Account | Account ending in XXXX Your CARECREDIT / SYNCHRONY BANK paperless statement ( eBill ) is now available and ready to be viewed online. Your statement contains information that is pertinent to your account and should be viewed immediately. To view your complete statement, please log in to your account.
Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$1000.00} Total Minimum Payment Due : {$35.00} synchrony BANK lockLog in to My Account | Account ending in XXXX Your CARECREDIT / SYNCHRONY BANK paperless statement ( eBill ) is now available and ready to be viewed online. Your statement contains information that is pertinent to your account and should be viewed immediately. To view your complete statement, please log in to your account.
Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$1000.00} Total Minimum Payment Due : {$96.00}
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| 05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I need some assistance here, per XXXX on XX/XX/XXXX they confirmed this is my account which is a lie. I would like to know name 's, department of who they are verifying there information through. This has got to be resolved. THIS IS FRAUD and I thought taking my time cleaning it up was good enough and now I'm still dealing with this issue. Please see attached notice that was given that this account is FRAUD back in XXXX. Five months later this is STILL on my credit file hurting me.
XXXX XXXX / XXXX XXXX XXXX Per XXXX which is 110 % inaccurate YOUR COMPLAINT I have notified XXXX as well as the other two agencies and the only one not complying is XXXX. I took it upon myself and sent them proof as well as the creditor this DOES NOT BELONG TO ME and after working on this issue for the past 3 months this inaccurate remark for a whole lot of money is still listed on my personal credit file prohibiting me from making a financial move I need. What else do I need to do. CFPB please help me. I have proof I requested along with the creditor, and have XXXX response stating they investigated which is false as they did not. The remark is XXXX/XXXX XXXX XXXX REMOVE ATTACHMENTS XXXX XXXX XXXX NOTICE TO REMOVE.pdf ( 919.7 KB ) XXXX XXXX XXXX results.pdf ( 632.3 KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond.
Their response should include the steps they took, or will take, to address your complaint.
You should receive an update from the company within the next 15 days, and a final response within 60 days.
Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.
COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the two attachments, you have supplied through the CFPB portal and directly to XXXX. We are currently in the process of contacting the data furnisher ( s ) to verify the accuracy of the information with which you disagree as needed. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Please note that accurate information can not be deleted. A national consumer credit reporting agency stores information from credit grantors, collection companies as well as public record information that include bankruptcies, judgments and liens. Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, not by the open date. Positive information may remain on the report indefinitely, although paid closed accounts generally display for up to 10 years from the date paid or closed. Requests for your credit history remain on your personal credit report for at least two years. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX.
Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is an account on your credit report that you request be removed. At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, XXXX will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if XXXX is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher who verified that information. Please note that accurate information can not be deleted. Potentially negative items, such as missed or late payments, remains on the personal credit report for seven years from the date of the original missed payment. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX.
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| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following :. ( XXXX ) The name and address of the organization or other governmental unit alleging a debt ;. ( XXXX ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ;. ( XXXX ) The name of the actual creditor even if that is myself ;. ( XXXX ) The origin of the funds used to create this alleged claim of a debt. ( XXXX ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
. ( XXXX ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
. ( XXXX ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
. ( XXXX ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
. ( XXXX ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
. ( XXXX ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
XXXX ( XXXX ) The person that prepares and swears to the validation of debt must describe : XXXX ) your job description on a daily basis ; XXXX ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; XXXX ) how long have you been in your position ; XXXX ) when did you first come in contact with the alleged account/debt ; XXXX ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; XXXX ) are you the person/employee who regularly works with the alleged account/debt ; and XXXX ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above- named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 3 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260.
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| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following :. ( XXXX ) The name and address of the organization or other governmental unit alleging a debt ;. ( XXXX ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ;. ( XXXX ) The name of the actual creditor even if that is myself ;. ( XXXX ) The origin of the funds used to create this alleged claim of a debt. ( XXXX ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
. ( XXXX ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
. ( XXXX ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( XXXX ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
. ( XXXX ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
. ( XXXX ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
. ( XXXX ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( XXXX ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
XXXX ( XXXX ) The person that prepares and swears to the validation of debt must describe : XXXX ) your job description on a daily basis ; XXXX ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; XXXX ) how long have you been in your position ; XXXX ) when did you first come in contact with the alleged account/debt ; XXXX ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; XXXX ) are you the person/employee who regularly works with the alleged account/debt ; and XXXX ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above- named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 3 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks XXXX XXXX XXXX XXXX, XXXX.
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| 02/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I discovered XXXX website for needs and services to finding a caregiver for my XXXX Mother and a babysitter for my children.
The service to advertise for a caregiver and a babysitter was free as long as one provides his/her personal information such as Email address, contact information to include complete name and a source to confirm personal information was real. Therefore, I used XXXX to confirm my true identity online.
After advertising my ads for FREE and on XXXX, I would receive over 40 different applicants altogether. Unfortunately, there was no way how I would be able to contact those interested applicants in response to my ad/s. In fact, XXXX would require a purchase for an UPGRADE MEMBERSHIP to a PREMIUM MEMBERSHIP in order to make contact with each applicant. The upgrade would require a month membership due and if paid in full for 1 year, I would receive a discount. The membership also would guarantee 100 % satisfaction of service and suggest that each applicant was a real authentic person and that their information genuine.
Therefore, XX/XX/XXXX, the Premium Membership was {$100.00} per year, and/or, {$9.00} per month. I upgraded my Premium Membership and paid for one year in full for in the amount of {$100.00} and through my Credit Card, Synchrony Bank DBA XXXX XXXX XXXX. The upgrade of membership would allow access to contact those 40 plus applicants and schedule appointments to meet with each person from the XXXX website. I wrote to each applicant such as ask questions and receive their responses. ( Refer to EXHIBIT B-1 Upgrade Receipt and C-1, Email Correspondence ) Although I was not able to determine the authenticity of each person on XXXX and/or whether each applicant was a real-person, I could only assume and place my trust in XXXX that the people from the website were legitimate and real applicants respective to XXXX advertisement/s. I attempted to contact each all applicants to schedule interviews. I reserved more than over 20 appointments and from the 20, I was only able to confirm 10 interview appointments. As I would make contact with each applicant, I noticed that I was communicating with people from the website whom would confirm an interview appointment but not show up. I contacted each interviewee and each interviewee had made very similar excuse/s for not showing. Evidently, it appeared that ALL 40 plus candidates was a response from one person that responded under various aliass.
Therefore, less than 21 days later I contacted XXXX Care Team and/or Customer Service on XX/XX/XXXX to address my concerns and open a formal complaint. I explained to the Care Team that I was unsatisfied with the service. XXXX advertised that I would be able to place an ad for free. From the ad, I was led to believe that candidates from the ad were legitimate and that I would be able to follow through with selecting and/or hiring from the list that XXXX provided. However, it appeared that all applicants were NOT LEGITIMATE during a further investigation. Furthermore, as I would attempt to set appointments for each applicant, to further determine the authenticity of a real person NOT ONE APPLICANT showed up to the interviews! To give any benefit of doubt to my claim, I made numerous attempts to contact and reschedule each person for another interview appointment. But unfortunately, and again, I would receive the same response over again that was similar from the previous excuse and similar in nature to another.
I contacted XXXX to share my concerns and to emphasize the fact that applicants from the website appear to be false and fictitious. ( Refer to EXHIBIT C-2, Email Correspondence ) On XXXX, XXXX from the Care Trust & Safety Team, XXXX responded to my email and indicated that I report my complaint matter on the XXXX website under a link entitled, REPORT. Therefore, I followed through and reported my concerns from XXXX direction and instructions. ( Refer to EXHIBIT C-3, Email Correspondence ) Although matters would go unresolved, on XX/XX/XXXX, I filed another complaint to follow-up from my initial complaint by contacting XXXX XXXX Team. Again, I addressed my concerns and specifically named a candidate for the Care Team to follow up on. I explained that as I attempted to reschedule an interview appointment, the candidate was not able to verify any authenticity and/or prove that it was a real/live person as described through XXXX website. Once again, I stressed the fact that XXXX was not providing a service as advertised. I felt misled as XXXX did not meet any expectations as it represented. ( Refer to EXHIBIT C-4, Email Correspondence ) On XX/XX/XXXX, Care Trust & Safety Team, XXXX replied and only indicated that XXXX would document my concerns but provide no amicable resolution to the dilemma/s that I had expressed time over. Instead, I would receive a survey from Member Care. ( Refer to EXHIBIT C-5, Email Correspondence ) The way in which XXXX would respond to my complaint was completely negligent. In fact, XXXX did not rectify and/or resolve the gravamen that I had addressed on occasion. Instead, XXXX responded to my complaint matter inappropriately with a didactic reply to my complaint overall as my complaint matter was misguided by XXXX. Hence, the fact remained that it appeared that the website was falsely advertising customer care and/or customer service that XXXX failed to provide.
Albeit, after I vetted and determine that each applicant whom responded to my ad, it appeared that I was talking to one sourced person that would appear to be of multiple people through different pictures and of different people unknown.
Such act became even more suspicious as the website was not able to provide me with proof that each applicant was real and a legitimate person as pictured in the roster.
On XX/XX/XXXX, I contacted Synchrony Bank MASTERCARD to dispute my charge from XXXX and to remove charge from my account. In my complaint I addressed the fact that XXXX did not provide expectations as provided and that XXXX prevaricated from my complaint matter. Simply put, XXXX did not provide services as advertised. In turn, Synchrony Bank removed charges from my account. ( Refer to EXHIBIT D-1, Formal Complaint To Synchrony Bank ) In response to my charge dispute with Synchrony Bank, on XX/XX/XXXX, XXXX removed and cancelled my Premium Membership and indicated that they would no longer charge my card. ( Refer to EXHIBIT C-6, Email Correspondence ) Unfortunately, Synchrony Bank misunderstood the complaint matter as Synchrony Bank erroneously would charge back my card in the amount of {$100.00} and on XX/XX/XXXX. I contacted Synchrony Bank to determine the purpose and/or reason/s why. Synchrony Bank indicated that they received a receipt that service was ordered from the website however Synchrony Bank completely dismissed the gravamen of the complaint in the first place.
( Refer to EXHIBIT D-2 and D-3, Formal Complaint To Synchrony Bank ) IN FACT, the complaint matter with Synchrony Bank wasnt about rendering a charge for a service from XXXX but, to dispute a charge for FAILURE TO PROVIDE CUSTOMER CARE and/or CUSTOMER SERVICE! Furthermore, I presented latent factors to the legitimacy that presented a level of quandary throughout. Another preeminent FACTOR that Synchrony Bank failed to recognize that XXXX CANCELLED my {$100.00}, PREMIUM ANNUAL MEMBER ( XX/XX/XXXX XX/XX/XXXX ) on XX/XX/XXXX!
Therefore, the FACT remainsthat my card should credited and NOT CHARGED the {$100.00}!
The Merchant, XXXX stated that my card would no longer be charged {$100.00} on XX/XX/XXXX. The yearly membership that I paid {$100.00} was supposed to cover one year, from XX/XX/XXXX through XX/XX/XXXX was CANCELLED on XX/XX/XXXX by the Merchant named in the dispute! Based upon Consumer Rights and Fair Trade, I should NOT be charged for services and/or products that I am NOT RECEIVING!
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| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following :. ( 1 ) The name and address of the organization or other governmental unit alleging a debt ;. ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ;. ( 3 ) The name of the actual creditor even if that is myself ;. ( 4 ) The origin of the funds used to create this alleged claim of a debt. ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
. ( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
. ( XXXX ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
. ( XXXX ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
. ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
2 ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above- named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 3 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the XXXX XXXX Influences and Corrupt Organization ( XXXX ), U.S.C. Title 18 1961 et. seq. and further : using the XXXX Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX.
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| 07/24/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX/SYNCHRONY BANK-Dispute issue that has negatively affected our longstanding excellent credit score by what was reported to the credit bureaus.
Following are the details and timeline of a disputed charge on our XXXX XXXX credit card with Synchrony Bank that has dropped our credit score 50-60 points. We followed every step we were instructed to by Synchrony & repeatedly were charged late fees & placed in a Past Due status all the while being reassured by Synchrony that we would not & it wouldn't affect our credit scores. Our credit score has now been adversely affected right as we are applying for a new mortgage.
On XX/XX/XXXX we disputed {$350.00} with Synchrony/XXXX XXXX XXXX for an extended warranty purchased at XXXX XXXX XXXX on XX/XX/XXXX. The furniture was delivered XX/XX/XXXX and extended warranty was to begin oXXXX year later on XX/XX/XXXX. In XXXX of XXXX we were still making monthly payments ( & had always paid more than the minimum ) when we returned home to Michigan from Florida ( where there are no XXXX XXXX stores ) and heard XXXX XXXX XXXX had gone out of business. We called XXXX XXXX and only received a recording with no way to contact them. So we called Synchrony to dispute the warranty charge and then received a letter from SYNCB/XXXX XXXX XXXX. The letter stated that the disputed balance would not be included in the minimum payment due & no interest will be assessed on the disputed portion of the balance. We continued scheduling payments every month. We were told on the phone we would receive a resolution of the dispute within 60 days by US Mail.
The first month XXXX XX/XX/XXXX ) of the dispute a payment of {$110.00} as was required on our statement was scheduled for XX/XX/XXXX. SYNCB only took {$40.00} & did not apply the rest, we assume because the balance on the undisputed amount was then paid in full. On XX/XX/XXXX we checked my account online and had been charged a late fee of {$29.00} because the minimum payment of {$110.00} hadn't been paid. XXXX called Synchrony and they stated I shouldn't have been charged a late fee and they would remove it, which they did and because it was before the statement date it did not show on the XX/XX/XXXX statement. The new balance showing was now {$350.00} which was exactly the disputed amount and the Total Minimum payment required on XX/XX/XXXX was again {$110.00}.
The second month ( XXXX ) a payment was scheduled for XX/XX/XXXX & SYNCB did not take any payment & again charged another late fee for missed payment. On XX/XX/XXXX XXXX called SYNCB about a late fee on our XXXX statement & they said they again would remove it. Total New Balance was now {$380.00} and statement now says Amount Past Due of {$29.00}. Total Minimum Payment Due for XXXX is now {$140.00}. It had now been more than 60 days & Synchrony said that due to Covid 19 it was taking longer than 60 days for a resolution and we would receive notice by US Mail when it was completed.
The third month ( XXXX ) a payment of {$140.00} was scheduled for XX/XX/XXXX. On XX/XX/XXXX we received an email from SYNCB stating we attempted to process a payment for your XXXX XXXX XXXXSYNCHRONY BANK account ending in # # # #. On the date your payment was submitted for processing, your credit card balance was {$0.00}. As a result, your scheduled payment has been cancelled.
The XX/XX/XXXX statement showed credits, fees & adjustments of - {$320.00}. The New Balance was now {$59.00}. A credit from XXXX XXXX of {$290.00} was posted after the XX/XX/XXXX statement but stated it was posted XX/XX/XXXX, now showing the remaining amount of {$59.00} as past due! How can the credited amount from XXXX XXXX be backdated? We had still received nothing from Synchrony by email or by US Mail explaining a resolution, so XXXX called SYNCB in the morning of XX/XX/XXXX. XXXX spoke with XXXX who told me the {$59.00} would be removed & the account would not reflect that for 24 to 48 hours. She didn't know why the credit from XXXX XXXX was different than the disputed amount. The difference is very close to 2 late fee amounts, but I was told there were no late fees on the account. XXXX asked am I disputing the new amount and I said yes as the original disputed amount was higher.
Later that same day XX/XX/XXXX we received an email from SYNCB saying " A total minimum amount of {$60.00} is due for your XXXX XXXX XXXX/SYNCHRONY BANK account ending in XXXX. Please contact us today to avoid the potential of late fees and further delinquency on your account. '' XXXX called SYNCB back & was told again everything was ok, there were no late fees, account is noted & everything will come off in 24 to 48 hours.
On XX/XX/XXXX we received notice that our credit score had taken a hit. After investigating we found the hit came from SYNCB/XXXX XXXX XXXX stating that we had a missed payment. My credit score went from XXXX to XXXX on XXXX & XXXX to XXXX on XXXX. XXXX called SYNCB that day. I'm not sure who the first person was but I was transferred to a supervisor named XXXX. I was told that I should not have been told that the {$59.00} would be taken off our account in 24 to 48 hours because that amount was in dispute & it would take up to two billing cycles to get resolved. She said she was sorry I had been misinformed. I told XXXX that this was unacceptable & I would like to speak with her supervisor, she said she could only send her supervisor a message & that that person would call me back. As of now XX/XX/XXXX I have not been called back & also have not received a letter pertaining to anything further regarding the original dispute nor the disputed balance remainder. XXXX also said I needed to speak with customer service about sending information to the credit reporting agencies to get this corrected. She said that in addition to disputing the {$59.00}, I also had to file a dispute about the information that had been reported to the credit bureaus by Synchrony. XXXX said she would transfer me to them but instead cut me off. You think she would have called me back, she did have my number but she did not. I then called back the same day XX/XX/XXXX at XXXX XXXX & spoke with XXXX who gave me the customer service phone number in case I was cut off again & then transferred me to XXXX at customer service. I was told that once we get a resolution to the credit bureau reporting dispute ( which will take 1 to 2 billing cycles but at least by XX/XX/XXXX ) we will get a letter stating there was an error.
To add insult to injury we received an email later that afternoon XX/XX/XXXX at XXXX XXXX from XXXX XXXX XXXXSYNCHRONY BANK account saying our records show you have not made full payment on your XXXX XXXX XXXX/SYNCHRONY BANK account ending # # # # in over one month. Payment for your total minimum amount of XXXX is due on XX/XX/XXXX.
Out of total frustration XXXX went on line XX/XX/XXXX at XXXX XXXX & made the full payment of {$59.00}. We received an email that Synchrony had received a request to schedule a payment along with a confirmation number. Again that afternoon almost 6 hours after we made the payment we received yet another email saying " Our records show you have not made full payment on your XXXX XXXX XXXXSYNCHRONY BANK account ending in # # # # in over XXXX month. Payment of your total minimum amount of {$60.00} is due on XX/XX/XXXX. Are you unable to pay? Call us.
We finally received an email at XXXX XXXX that day saying thank you for making your payment & your payment has posted on XXXX What is still incomprehensible to me is how can you schedule a payment with a company, they dont take the payment out & then say you missed a payment & charge you a late fee? Then destroy your credit after numerous calls to their company assuring you there are no late fees that should have been charged, and that your credit wouldn't be affected as long as the amount was in dispute.
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| 08/14/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Synchrony bank, and Lowes continue to commit fraud in the fact that they are holding me hostage with a credit card and a balance for services and products that they have not rendered. This company has not rendered the services that were purchased, nor have they provided the products to complete the job. Repeatedly, I have attempted to resolve this issue, but they continue to provide not only my own attorney, but state and federal entities with fraudulent and false responses. They are committing fraud, and need to be investigated for the crimes that they have repeatedly committed I continue to hold a {$5000.00} balance on a synchrony card that is fraudulent. These charges have been disputed. I also have representatives recorded on phone calls, stating that my money would be returned to me. That has not happened either. What they have done is illegal and they need to be consequences and accountability for the crimes that they have committed. This case will be heard before a jury, but there needs to be legal action taken by federal entities. This is fraud. They are committing fraud, has committed fraud, and continue to commit his crimes. I demand a thorough investigation.
Synchrony bank, and LOWES corporate office has provided false information regarding state and federal complaints. They have provided the consumer federal protection bureau with false information in order to have an investigation closed out under false pretenses. They have claimed that they can not respond due to pre-litigation, or a lawsuit has been filed. This is completely false, and neither, LOWES, nor synchrony bank have been served with any documents from any attorney at this time, or at the time that they responded. They are lying, providing false information, in order to close out cases against them, as well as federal investigation LOWES and synchrony bank, continue to commit fraud, breach of contract, deceptive sales practices, and have used bait and switch tactics which has resulted in nearly {$9000.00} of financial loss for me. They continue to commit crimes against their own customers, and in this case, have refused to provide products and services that were purchased on my Lowes credit card. I have paid over {$3000.00} since XX/XX/XXXX and have received no products, service, and my home has been destroyed by this company. LOWES is refusing to cooperate in an insurance claim and has refused to repair the damages. Their claims adjuster, XXXX, XXXX, is refusing all communication and has refused to re-order products and provide service and Installation. XXXX, XXXX, and executive XXXX XXXX have escalated this issue to the point to where civil litigation will be necessary to resolve this matter..
In regards to the original sale of these products and services, that were to be provided by LOWES, their sales personnel at the XXXX XXXX store, used bait and switch tactics. I originally purchased a laminate flooring that was advertised as a display within their store. I made this purchase using my LOWES synchrony credit card. For several months, this product went without being ordered by the sales person and XXXX XXXX XXXX. Months afterwards I received word that the product that had been sold to me, and that was on display for sale was being discontinued at the beginning of the year. They refused to provide a product that I had purchased and that was paid for. I was told by the sales person identified as XXXX that I would have to pick out another laminate. She only directed me towards flooring that was of a higher price than the original product that I had purchased. At no time did she show me a product that was lower in price, or close to the same of what I had already paid she repeatedly used bait and switch tactics and use these unlawful tactics to persuade me to buy a product that was higher in price. LOWES has been sued for sales practices such as these in a class action lawsuit. Recently, they were ordered by the courts to pay customers {$1.00} XXXX in damages. Clearly, this company didnt learn a thing from the class action lawsuit, that they just lost, as they continue to conduct bait and switch tactics against their customers and commit fraud.
I have a legal binding contract, reference my purchase of product service and Installation from LOWES. They refuse to honor this contract, provide services, and are refusing to even honor a warranty. Four months, I have had water damage in my home that they have refused to address. They have already admitted, fault, but refused to address and fix what they have damaged. I have XXXX of dollars worth of damage in my home from an incompetent and unqualified installer. Adding to this, LOWES is not conducting proper background and criminal background checks on their employees and installers. The person that they hired to install my bait and switch flooring was completely on qualified, unlicensed, and was he convicted criminal. This man flooded my house on three separate occasions. This man has destroyed my house, making it unsafe. I have sustained physical injury from what this man has done and the defects reference installation in my home. LOWES associates and claims adjuster, XXXX XXXX even stated in a recorded phone call that this was the worst Installation hes ever seen and his XXXX daughter could have done better. LOWES has destroyed my home. XXXX XXXX, should be terminated from his position due to his negligence and complete unprofessionalism and incompetence. He has not resolve this issue, nor attempted to resolve this issue properly. Rather, he has escalated matter to civil litigation. It has also been noted that XXXX XXXX is refusing to provide documentation that is relevant to this insurance claim. An adjuster from XXXX and company came to my home to assess the damage. A report was submitted on these damages. XXXX, XXXX, is refusing to provide these documents to me as they pertain to my home, this open claim and damages that occurred. XXXX XXXX is now refusing all communication. In a previous conversation, XXXX, XXXX was made aware that I am a retired law-enforcement officer. After making this known, I became aware that XXXX XXXX was no longer listening as I spoke with him, and I could hear him typing in the background. Hearing that he was typing a message to someone on his keyboard, I stated that I would let him go, since he was no longer Listening he responded by saying I was noting that you were a police officer. XXXX, darling clearly has some sort of personal issue, or vendetta against law enforcement officers. He has made that clear, his actions and words throughout this entire process..
At this time, they ( lowes ) are refusing to fix the damage, have not ordered, or provided replacement products, services, and they have refused to address the thousands of dollars of water damage caused by their negligent installer. LOWES has committed numerous Crimes, which includes bait and switch tactics, fraud, deceptive, sales practices, breach of contract, and gross negligence. I have retained an attorney to pursue LOWES and synchrony bank for the crimes that they have committed. As I have stated, I have already paid over {$3000.00} for products and services that were never rendered, and have a balance of {$5000.00} for products that will not be provided an installation that will not be conducted. This bank needs to void out any balance that remains and return the over {$3000.00} that I have paid. My home is destroyed because of this company and has sustained thousands of dollars in damage and water damage. They will be held liable in civil court for their crimes. I am demanding that my money be returned that I have paid on the balance of this credit card and the remaining balance of {$5000.00} be deleted. After this is processed, this account needs to be closed. I will be suing this company and will never give them my business again.
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| 07/20/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/2022, I had a Lowes subcontractor install a wood fence. My agreement/contract was for services pertaining to a fence installation between Lowes and myself. All negotiations took place with a Lowes representative and no products were individually purchased. Within a few days after the installation I noticed a multitude of issues and submitted my concerns both over the phone and in writing to Lowes. Lowes provided me with a " Labor Guarantee '' and there is a phone number and email dedicated for this type of service. The first time Lowes sent one of the contractors over to correct the issues. I pointed them out to the subcontractor and he refused to fix them claiming it was normal. He then proceeded to bang all of the loose nails around the perimeter of the fence cracking a few in the process and missing most.
I contacted Lowes again to inquire about a resolution and what could be done with the quality of the fence. Lowes assured me that this is now an escalated issue and someone from within " the department '' will contact me to resolve my concerns. About a week or so later the same contractor comes to my house. I go over the issues and he refuses to acknowledge them and once again goes around the perimeter of the fence banging on loose nails. Communication with Lowes continued regarding the issue I previously pointed out to them. In the process of checking the fence more issues came about. Loose posts, cracked and warped pickets, uneven top and bottom lines, improper gate assembly and weak locking mechanism. These are just a few. The overall craftsmanship is subpar and would warrant a redo. At this point Lowes stops responding. About a week or so goes by I called Lowes directly and asked to speak to whoever is assigned to my case, a manager, anyone. I was told someone would call me back and no one ever did. I send a last email in hopes that I would spark a response, asking Lowes to honor the warranty and I received no response. This last email took place in XXXX, more than a month after I had initiated the complaint and no one responded to date.
As a direct result of Lowe 's refusal to work with me on resolving the quality issues outlined in detail to them in writing, I decided to dispute the charges with their credit card, Lowes Advantage Credit Card, operated by Synchrony Bank. The dispute process was initiated over the phone and was fairly detailed. This took place in XXXX, 2022. During the questioning process I highlighted the reasons for the dispute and emphasized that no products were purchased nor can they be returned back to Lowes. I also highlighted that I made a reasonable effort to resolve this with Lowes but Lowes was the one avoiding a resolution. As a result, Synchrony bank filed a dispute for quality of services received. As is typical, the representative ended the call by saying if there is anything further that they need I will be contacted. About a week or two later I decided to call back and inquire to see if Synchrony needs anything from me. I was told that I am given 90 days to provide supporting evidence to my dispute and was provided with a mailing address. I collected the evidence in the form of 93 pictures of the issues with the fence and had these pictures developed in print so that they can be mailed. I also wrote a 4 page summary detailing the conversations with lowes, specific dates, and attached the responses. I also included links to videos from the Lowes website about educating consumers on fence installation. I used that to point that the inconsistencies between what Lowes sells to its consumers and what it actually provides. I also included links to other professionals using proper installation techniques which were again, inconsistent from my experience.
About a week or so after I mailed this supporting evidence to Synchrony I received a letter stating that they have received it. Within several days I received another letter which was sent over their online messaging system and accessed through my account login. The letter was requesting supporting documents to my case, and a receipt proving that I have returned the merchandise. I thought this was strange given the prior letter indicating that they received everything, and the fact that my dispute was for services and not product. I called Synchrony and this time I was told that nothing further is needed and that it was likely a mistake.
Approximately 2 weeks later I received a letter by mail indicating that Synchrony has made a decision in my favor. This was as I recalled before the allotted 60 or 90 days for the merchant to respond so I called Synchrony again to confirm the results of the dispute. This took place around XX/XX/XXXX, give or take, and I was assured by the customer service representative that in fact this dispute was closed and the decision was made in my favor. On XX/XX/2022, I received an electronic letter stating that a new decision has been made due to lack of supporting documents from me, and due to the merchant ( Lowes ) providing a purchase receipt of the products purchased. I called Synchrony again and it was established that the because I never returned the merchandise or provided any support that Synchrony sided with the merchant. I explained that this was done in error citing the previous letters, my supporting document and pictures that were mailed directly to Synchrony, and that this dispute was originated for service quality. Synchrony 's solution was to reopen a new dispute which they did. On XX/XX/2022, without any correspondence between synchrony and myself between early the first week of XXXX and XX/XX/XXXX, Synchrony made the decision to hold the charges again and side with Lowes due to the same reasoning as the overturned XXXX decision. Synchrony stated that I did not provide proof that I returned the merchandise. Synchrony also included a page with a response from the merchant which was blank. I called Synchrony again and repeated the process of inquiry, explaining that they are continuing to make the same mistake regarding the nature of the dispute. Their solution was to reopen the dispute again.
This dispute should have been resolved when the original decision was made. Something between the notes of the representatives and dispute department got mixed up and is continuing to snowball with erroneous information and what now seems like a claim from Lowes on false pretense.
Furthermore, I have attempted to obtain the letter which Synchrony has previously sent to me by electronic messaging system. These letters are no longer in my file and I have raised this concern to Lowes only for them to tell me that they have already been sent and can not be sent again. I have formally requested that all of the correspondence directly linked to my dispute with Lowes, be resent to me and Synchrony refused to acknowledge this request. I feel that as a credit card company, they have responsibilities which they have failed to abide by. They have mishandled my dispute claim, failed to notify me of the merchants response and failed to allow time or any chance for me to respond to any merchant 's claims. Synchrony has also failed to provide me with any supporting documents which the merchant provided them with. They claim that they provided me with this information by I have the letter that was sent and it is blank. I feel that synchrony will continue to mishandle my dispute and will continue to side with the merchant. If collusion wasn't the most over used word in 2022 I would use it to describe this relationship between Lowes Credit Card and Lowes Home Improvement. I see no other reason for this dispute to be in such a mishap. This should be handled professionally, and accurately. And as a consumer, I should have the chance to effectively dispute a service that was not provided as it was promised.
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| 02/14/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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BANKS CAN NOT LEND THEIR CREDIT The following are cases by the federal court ruling In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S.669. " A national bank has no power to lend its credit to any person or corporation ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 s.ct 1024, 176 us 682, 44 LED 637. It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires ... '' Howard and Foster co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ) .and checks, drafts, money orders, and bank notes are not lawful money ( back by gold, silver ) of the United States ... '' State v. Neilon , 73 Pac 324, 43 Ore 168. The United States Code, Title 12, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In First National Bank of Tallapoosa vs. Monroe, 135 Ga 614 ; 69 S.E. 1123 ( 1911 ), the court, after citing the statue heretofore said, The provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is there any authority to issue them through such power incidental of the business of banking. A bank can lend its money, not its credit. '' In Howard & Foster Co. vs. Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ), it was stated, " It has been settled beyond controversy that a national bank, under Federal law, being limited in its power and capacity, can not lend it's credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon the corporation. '' An activity constitutes an incidental power if it is closely related to an express power and is useful in carrying out the business of banking. See First Nat. Bank of Eastern Arkansas v. Taylor, 907 F.2d 775. But even with this latitude no hint of lending credit is provided in 12 U.S.C. 24 that would give rise to an incidental power to lend credit. The exercise of powers not expressly granted to national banks is prohibited : First National Bank v. National Exchange Bank 29 U.S. 122, 128 Capital Synchrony Bank is breaking federal law! In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and Miners Bank v. Bluefield Nat'l Bank, 11 F 2d 83, 271 U.S.669. " A national bank has no power to lend its credit to any person or corporation ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 s.ct 1024, 176 us 682, 44 LED 637. " It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires ... '' Howard and Foster co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ). ... checks, drafts, money orders, and bank notes are not lawful money of the United States ... '' State v. Neilon, 73 Pac 324, 43 Ore 168. " Banking Associations from the very nature of their business are prohibited from lending credit. '' ( St. Louis Savings Bank vs. Parmalee 95 U. S. 557 ) " Banking corporations can not lend credit. '' ( First National Bank of Amarillo vs. Slaton Independent School District, Tex Civ App 1933, 58 SW 2d 870 ) " Nowhere is the express authority granted to the corporation to lend its credit. '' ( Gardilner Trust vs. Augusta Trust, 134 Me 191 ; 291 US 245 ) " A national bank has no authority to lend its credit. '' ( Johnston vs. Charlottesville National Bank, C.C. Va. 1879, Fed Cas. 7425 ) It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. '' Federal Intermediate Credit Bank v. L " Herrison, 33 F 2d 841, 842 ( 1929 ). There is no doubt but what the law is that national bank can not lend its credit or become an accommodation endorser. '' National Bank of Commerce v. Atkinson, 55 E471. All such contracts entered into by its officers are ultra vires ... '' Howard and Foster co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ) ... .checks, drafts, money orders, and bank notes are not lawful money of the United States ... '' State v. Neilon , 73 Pac 324, 43 Ore 168. By doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporate powers is unlawful. '' ( Community Fed S & L vs. Fields, 128 F 2nd 705 ) '' A holder who does not give value can not quali6J as a holder in due course. '' ( Uniform Commercial Code 53-303.1 ) Synchrony Bank XXXX XXXX breaking the laws under federal law, court cases which is stated in this complaint. Synchrony Bank has breache its authority by entering into an agreement that it knows it is not allowed by law to execute, is it moral to allow that party to enforce the agreement? Is it moral to force a person to pay on a loan when that person did not know that the bank did not have the legal authority to issue credit or to become surety. Synchrony bank has no right to place a negative mark on your credit report, when they did not have the authority to enter into the agreement in the first place, and that any deficit in payment or if your late or you can not make a payment. I am stating federal court decision. Synchrony Bank is in violations of the law. 18 USC 1961 RACKETEERING ACTIVITIES. 18 USC 1344 BANK FRAUD 18 USC 1001 FRAUD 18 USC 1341,1342 MAIL FRUAD 18 USC 1951 INTERFERENCE WITH COMMERCE 18 USC 514 FICTITIOUS OBLIGATION PROHIBITED 18 USC 2113 BANK ROBBERY OF A COMMERCIAL OR PRIVATE PROPERTY Synchrony to national banks going beyond their express powers in that they are exposing depositor 's money to loss in contradiction to the bank 's primary duty. Therefore, the issue that can be raised is the argument of ultra-virus and not only is the contract void, but even if the borrower did receive a benefit, the borrower was not unjustly enriched. If the contract is now void, then both parties walk away as if there never was a contract. The judge is then asked to declare a XXXX balance and deem it as paid as agreed. Since the borrower provided the value for the source of funds, the borrower is also entitled to a judgment in the amount of the highest credit limit issued or loan amount. Also, since the banks acts demonstrate that the bank took unfair advantage of the borrower, this results in the bank needing to be penalized. Typically, the borrower is entitled to ask for a financial award against the bank in the amount of the debt forgiven. Since fraud is committed, the borrower is entitled to all sums paid on the contract including interest, plus treble ( triple ) damages, attorney fees expended and court and other costs in addition. The borrower can also demand a XXXX balance on this debt, and a voidance of the loan agreement, and a financial judgment in favor of the borrower due to the bad judgement of the lender. Synchrony Bank will deny or does not recognize the laws in this complaint and they will only address the complaint by company policy and company policy are not laws and they are going to protect them self by claiming they are not breaking the law. Synchrony Banking is committing fraud. I am not trying to vex or harm any body but exercising ones right under the law. This according to the truth and lending Act and equally protection Act and Due Processing Act.
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| 06/16/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX I purchased a couch from XXXX 's using my Synchrony Home credit card. A couple days after the couch was delivered on XX/XX/XXXX, I contacted XXXX 's about 2 cushions that were not the same as the rest of the couch. From afar the couch looks fine, but close up it was clear 2 of the cushions were more stuffed, they looked and felt different from the rest of the couch. I sent photos, they agreed to replace them. I waited months for them to deliver new cushions. I followed up with them by email, at one point they even told me the cushions were available but they were having trouble scheduling a delivery even though no one had reached out to me about it. I told them to please deliver ASAP, I will make sure I am available, and the next day the delivery was scheduled. On XX/XX/XXXX XXXX XXXX only delivered new cushions - using the same cushion covers we already had. This did not solve the problem, but made it worse. The next day I called and requested new cushions again, I also emailed them because I was sent to voicemail. It was decided by XXXXXXXX XXXX that 3 cushions should be replaced in order for the whole couch to look the same at the same time. I followed up by email while waiting for that delivery, to confirm they were still being delivered when they said it would since there were issues with the last delivery. They guaranteed the next delivery would be 3 new couch cushions and cushion covers, so the whole couch would finally match. Now the all the holidays had come and gone, that I tried to have a nice new couch for. On XX/XX/XXXX XXXX XXXX called to confirm they were on their way, they said they only had 3 cushion covers, no cushions. I told them not to deliver because this was not going to solve the problem again. That same day, I called XXXX XXXX again and told them this was their third strike and they needed to fix the problem within the week or I would be reporting them. I did not receive any response ( email or phone call ) from XXXX XXXX until XX/XX/XXXX. Two weeks with no contact from them, even then, there was no acknowledgement of their mistake. By this time, I had already contacted Synchrony to file a dispute, and I did not contact XXXX XXXX again. I provided Synchrony with this same timeline of events, they told me they would look into it and get back to me if they needed anything else. XX/XX/XXXX I was informed my case was closed only because I received an email asking me to " rate my experience '' with Synchrony now that my case was closed. Synchrony did not reach out to me first to tell me my case was closed, I had to contact them to verify. After that I was sent a letter with XXXX XXXX response to the dispute, there was no letter or response from Synchrony. Synchrony had decided to side with XXXX XXXX because XXXXXXXX XXXX said I " only contacted them 1 time in XXXX, XXXX XXXX resolved my problem, and they never heard from me again ''. This was a flat out lie, they didn't even have the correct time period of my first complaint. I responded to Synchrony with my personal phone records and emails between myself and XXXX XXXX, to prove that I had in fact tried to work with XXXX XXXX for about 6 months before it was clear they were not going to fix my problem. Which is why I then contacted Synchrony. XX/XX/XXXX I filed the same dispute for a second time and specifically asked Synchrony to please not close my case until I can make sure XXXX XXXX response is accurate since they had lied the first time. XX/XX/XXXX it was brought to my attention that the back of the couch was starting to cave in. This is a couch that is not even a year old, is being used my 2 adults in their 60 's, it's literally against a wall and has not been moved since the original delivery. I don't know how that's even possible, unless the quality of the couch is very low. I submitted an additional letter to Synchrony explaining this and provided photo evidence, to further prove the low quality of this couch. Synchrony said to submit additional information through Fax, but when I tried to do that their fax number did not work. I work in an office, I know how to use a fax machine, I tried multiple times until I finally submitted it through a message. Synchrony did acknowledge this message but it was an automated response, so I don't know for fact that they reviewed this information. XX/XX/XXXX I was informed that my dispute was closed again, by getting an email to " rate my experience ''. For the second time, I had to reach out to Synchrony to confirm my case was closed again, this time they told me over the phone that I needed to request a response letter to my dispute, I did. Synchrony had again sided with XXXX XXXX. This time Synchrony provided with me a letter response from Synchrony, but didn't provide me with XXXX XXXX response letter. Even though Synchrony 's letter specifically says " A copy of this response is enclosed '', there was no response from XXXX XXXX enclosed. From what Synchrony 's letter says, XXXX XXXX response was that " they had tried to reach out to me and I did not respond '', so I needed to respond to XXXX XXXX to solve my problem. Again, XXXX XXXX is providing Synchrony with inaccurate information, and it seems Synchrony is just going to take their word for it and ignore all the phone records and emails, and timeline of events I have provided, proving otherwise. I have provided hard evidence proving I have communicated with XXXX XXXX over multiple months, and it doesn't seem XXXX XXXX needs to provide any type of evidence to back up their response. The only time I have not responded to XXXX XXXX, is after I had already filed a dispute with Synchrony. Before that time, I went out of my way to always respond and reach out to XXXX XXXX. I have proved that I have put good-faith effort into resolving this directly with XXXX XXXX, I have patiently waited months and months for deliveries, I have taken time off work to be available for deliveries, and each time XXXX XXXX has not been able to resolve this issue. What more can I do with them? And on top of that, I have proved multiple times, that XXXX XXXX has completely lied about their interactions with me to Synchrony. I sent multiple messages to Synchrony Bank, to get answers about how they have come to this conclusion, and each time none of my questions have been answered. I've only received a very general - mostly automated response. You can even see in their responses to me, the majority of the message is automated and the 1 or 2 sentences in a different font are from a customer service rep. But still very general, not answering any of my questions. They listed their online messenger as a way to get questions answered, but their online messenger is not available. I have called the customer service number provided in these messages from Synchrony, I was told they do not have access to XXXX XXXX response letter to my dispute, so they can't send it to me. I was also told they have no information regarding the disputes, so again, they could not answer any of my questions. They could not even provide me with a phone number or anything to get my questions answered. In conclusion, Synchrony is siding with a seller that is continuously proving them with inaccurate information, and nothing to back it up. Synchrony can't answer any of my questions or concerns regarding their decision or the inaccurate information they are receiving. And I'm left with an expensive, XXXX couch that's falling apart already, and being told my only option is to keep going in circles with XXXX XXXX. Which I have already done, with no resolution. How long do I need to work with XXXX XXXX with no outcome, until Synchrony will do something? What more evidence do I need to provide to prove my point, and prove that XXXX XXXX is not providing accurate information?
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| 03/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX I went to XXXX XXXX XXXX in XXXX XXXX NV. I hired them to order and install 1500 sq ft of laminate flooring, minus 2 landings, and the treads of 4 stair cases, planning to tile the risers later. I took out a 0 % interest/12 month installment loan. I ordered 3 different laminates. The salesman over-ordered all the laminate, but when it came to the stairs he ordered at least twice as much, enough laminate for both treads and risers. The only product I didnt see at all were the matching bull noses for the stair laminate. The job got pushed to the XXXX hour because he couldnt get the materials when promised ( installed before my move in date at the end of XX/XX/XXXX ) but suddenly did - I mention this because its important when it comes to the bullnoses.
The installation went fine until it came to the stairs. The installer didnt speak English very well and the salesman, XXXX XXXX, didnt communicate with him very well either. When I told him the risers werent to be tiled, he assumed the extra laminate must be for the landings. I didnt want to get him in trouble and it wouldnt look bad with the steps, thought Id just leave it be but asked for the extra install to be removed from the bill. The salesman blew me off. Next day I caught the guy having installed both risers and treads on 4 steps. I explained to him what I had planned, and he explained to me that I had to install the tile 1st, not after as I had imagined. XXXX couldve explained this to me, but frankly I dont think he was really paying attention in retrospect. I tried to get tiles, couldnt. We ran thru a bunch of potential plans, maybe just install treads until I could get tiles, stuff like that. Then I saw the bullnoses - they were not at all what I expected. If Id known what they looked like, I never wouldve ordered them. If I couldve gotten tile I might have lived with it just to get it done, but I couldnt. So I wanted different bullnoses, a flush mount, and was going to go down and talk to the owner.
The owner refused to meet with me in person, only agreed to a 3 way call, during which XXXX lied thru his teeth ( I have proof of everything said via text message, included here ) and the owner totally backed him up. They said what I wanted was a crazy fantasy, we should just part ways and theyd kick me back a check towards the loan. He left that in XXXX hands, who then totally ignored me. So, I finally filed a dispute with Synchrony Bank in XXXX, who the loan is through. They got a response letter from the owner, who also lied through his teeth, which I can also prove, included here. In the letter he agreed to remove {$960.00} - {$40.00} for the installation of each step except for 4 he claimed were completed. Theyre not, by the way. No one from Synchrony ever even spoke with me, did not give me a chance to present evidence. They just took him at his word and decided against me - without even deducting the {$960.00} he admitted to in his response letter, which I received a copy of in XXXX with the decision. It too is included here.
I finally had a way to contact the disputes dept because of this mail packet, so I called and has to file a 2nd dispute, to get the, to remove the {$960.00} and other items that should be removed ; incorrect and over-ordered materials, the 4 stairs that were not completed & uninstalled floorboarding. This time I was allowed to fax them my evidence, so I put together all the materials I am sending you. Text messages, billing disputes, photos of the extra materials, the unfinished 4 steps, and a page from the Nevada Attorney Generals Office as to what constitutes a deceptive business practice. There was also some questioning of the total billing itself, clear discrepancies- Ive included a copy of the two bills side by side. As you can see, I did not sign the higher bill to the left, the one submitted to Synchrony Bank. Also included is a photo of something Ive found out since - not only were the bullnoses I expected east to find, but theyre the actual matching bullnoses. In his rush to get them in time as promised, Mr. XXXX ordered bullnoses that clearly dont even match the laminate in question. I also mailed a packet containing all of the evidence, in case it came out badly on the other end of a fax machine.
In late XXXX, I received a letter that they agreed to remove the original {$960.00} that the store owner admitted to in his response. Synchrony has handled this so badly I have a hard time believing its legal for businesses to treat people the way theyve treated me. I have very clear evidence of lies, unfinished work not admitted to if someone just bothered looking at it. Synchrony has never reached out to me once, and made it very difficult to file a dispute to begin with. Their job is to investigate and fix billing discrepancies, and Im pretty sure they never looked at any of this stuff. It was definitely discouraged to file a dispute, especially the 2nd time. I was told to not even bother by the 1st employee from that dept I spoke with. They say its all recorded, and that call took place on XX/XX/XXXX, with XXXX, employee # XXXX. I would think theyd care if they were dealing with a dishonest vendor, but apparently they dont. I had thought my only recourse left was small claims court, but a contractor who is suing the store reached out to me thru XXXX, letting me know that they were going out of business and that its be impossible to collect from them. Then I found this website.
It cant be ok for businesses to do this to people, both the store and especially the bank behind them who couldve/shouldve fixed this situation. I believe the store is going out of business this month, XXXX. At this point however, its the Synchrony Bank I hold responsible - twice they totally brushed off my case when I clearly have one. I shouldnt have to be the one to eat the losses on this, not when they had two chances to make it right between myself and the store, when I sent them proof that the store clearly wasnt going to do it despite lying and saying they tried. Theyve handled this so badly Im still in disbelief. My stairs are bare to this day, because I cant pay for the installation until this loan is closed out. Please help me, and if you cant, point me towards the institution that can hold banks responsible for malpractice.
Please feel free to reach out to me for any further evidence, clarification ... anything you need, at all, to help put this to rest.
In order, I included what I sent to Synchrony Bank after filing the 2nd dispute, followed by all the billing papers, the different bills side by side ( the one I received and the one I didnt sign that they submitted to Synchrony ). I spoke with someone in the dept about the billing over the phone, I believe XXXX, possibly the same day as XXXX on XX/XX/XXXX. Then a picture of the correct stairnosing and even a sloppy handwritten sheet of how many times and dates Ive called Synchrony and been blown off and told something different by everyone I spoke with. If you go as far as listening to phone calls, you can hear how bad the customer service is - no one knows anything, apparently. I was never allowed to speak with anyone in disputes until after the 1st decision when I got ahold of their # finally. No one would give it to me. Its just a huge mess, and I believe its on them at this point. They should have a duty to make sure theyre not partnering with dishonest vendors, and if someone gives them evidence that they are, that they do something about it. They chose not to.
Thank you for your time, XXXX XXXX XXXX XXXX PS. I apologize for any doubles ( I lost track at the end, and it took 4 tries to upload these, so I wanted to be sure everything was there ). That being said, if it seems like there is something missing, please let me know?
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| 08/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Add-on products and services
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Web |
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When I opened this line of credit ( XX/XX/XXXX ) they enrolled me into paperless billing. I tried to make an online log in to see this account and I couldn't get access to it because they had the wrong date of birth. I called them about this and the said I would need to FAX them a form to have it fixed. I didn't have this ability to do this. So, I was paying for a year without being able to see my statements. Once, I complained and I started getting statements is when I noticed this card protection fee. I also had to have my card replaced because the original one never came in the mail. I have never used this card aside from when the credit line was opened as a result of my dog being sick.
XX/XX/XXXX, I called CareCredit to pay off my card and close the account but, I had questions about a card protection fee I didn't authorize on my statements. They said to call Synchrony Bank to have this removed and refunded. I made a standard payment because they wouldn't know the exact refund amount right away. They said it can only post as a credit to the account and it should take two weeks to post. I called regularly afterwards to ask about this refund.
XX/XX/XXXX, I received a letter from Synchrony stating that they sent my refund of {$230.00} to post as a credit to my account. I contacted CareCredit to pay off my balance but they said they didn't receive a credit. I called Synchrony afterwards and they said they posted it. I asked to speak with a manager, they said they'd have someone call in two days, no one did.
XX/XX/XXXX, I called CareCredit and they insisted they didn't have this money. I again made a payment while I awaited my refund and a phone call from Synchrony. The next day I called Synchrony again and asked for a manger, they said I couldn't speak with one and I would need to wait two days. No one called.
XX/XX/XXXX, I called CareCredit and took four hours on the phone for them to realize that they had my refund this entire time. It was placed under the old credit card number which had been replaced. This was aggravating to me because I was paying interest for this and I asked to have the interest I paid refunded, they said this " isn't allowed ''. At the time my card balance was {$560.00}. I paid {$330.00} and they said they would transfer the refund over ( {$230.00} ) to {$0.00} out the account and cancel the card.
XX/XX/XXXX, I started receiving text messages and calls about a " past due '' balance from both Synchrony and Care Credit. This amount matched to my refund with interest, it was incredibly difficult for them to find me the correct department and the majority of their customer service representatives couldn't understand me because of a language barrier. I was told several times that I made a " charge '' on the account which matched my refund amount. ( I still have this card glued to the paperwork, I never charged anything ). I told them to run it as fraud because I couldn't get past the language barrier and figured somewhere along the way they'd figure out that the accounting was messed up. They sent me a letter saying there wasn't any fraud on the account.
XX/XX/XXXX, I am receiving so many auto calls, text, emails that I'm feeling harassed about a payment I didn't miss from Synchrony and Care Credit. I called them again and was transferred over the course of five hours. I was forced to repeat the same information multiple times until someone could understand me. I had to call off of work for this because it took so long. I was told that when they transferred my refund ( {$230.00} ) to the correct card, Synchrony took the funds back because the card numbers didn't match. CareCredit stated that they would consider this fraud because I didn't authorize their charge. They promised me the following. 1. They would remove all FALSE reporting ( s ) of missed payments from my credit. 2. They would remove all late fees from the account ( this wasn't a late payment ) 3. They would REFUND ( via check ) all of the interest I paid since XX/XX/XXXX. 4. They would close the account. I asked how much the check would be for the refund and they said only a manager would know. I requested to speak with one, they said they'd have them call me in two days. I said NO. They forwarded me to the line that was to be the supervisor, I waited an additional 50 minutes. Someone answered and then they dropped the call. No one called me back and I never got confirmation on the refund amount for interest.
XX/XX/XXXX - I received a letter that they lowered my credit line to {$340.00} which was conveniently close to around the same amount that they were reporting I owed them. This raised my credit usage on the card to almost 100 % causing another blow to my credit that wasn't deserved. If they had done things correctly, they could have just closed the account and made my line of credit XXXX.
XX/XX/XXXX - I received a letter from Synchrony stating that they removed all credit reporting 's for delinquent payment. I check my credit report, it has been fixed. But, I continued receiving phone calls and messages about a missed payment. They said this would happen until the system was corrected but it was taking awhile.
XX/XX/XXXX - I attempt to call CareCredit but because I have a " past-due '' payment, the system recognized my number no matter what I dial and forwards me to Synchrony 's phone payment line. I click my way to customer service where I'm told several times I need to call CareCredit instead, but I can't! Several employees forward me from department to department and I'm forced to repeat myself for 2 hours. I wait on hold for 20 minutes and get hung up on. I call back in tears and sit on the phone for another hour, I'm promised help by the employee I tell her what's going on and that because they're recording, I am as well. She tells me she can't speak to me because I'm recording and a manager will call me back in two days. No one has called. I was again forced to take the day off work to try and mediate the situation with them.
XX/XX/XXXX - I get a notification from XXXX XXXX about a delinquency. I open my app and see that my 100 % on time payment history is down to 99 %. CareCredit reports a missed payment that drops my score from XXXX down to a XXXX. I am in complete emotional distress because I am set to close on a house on XX/XX/XXXX.
It's completely ridiculous because I have to be forwarded so many times when I speak to them that it becomes an all day excursion. Typically, by the time I reach someone who can resolve the matter they acknowledge that everything I'm saying is correct and factual. They then state it's going to get fixed but they " can't do it all in one day. '' But, then once we're off the phone nothing changes and no one calls me back or acknowledges how ridiculous my experience has been with them from the start. It's also ridiculous that their system forwards me to the wrong number no matter what I dial and then the employees rudely tell me I'm calling the wrong lines. I filled a complaint already with the XXXX in the past for this which they resolved because CareCredit acted like they were doing something to fix this and then didn't follow through. They're harassing me for money that they owe me. They're falsely reporting on my credit. And they're insinuating I'm dodging them, but they don't return my calls. Their phone operations are like trying to work your way through a XXXX XXXX. This seems like a completely intentional rabbit hole devised to confuse their borrowers out of additional money. It's also disturbing to me that I reported to them that my DOB was wrong several times and instead of correcting it they offer no viable solutions to fixing their records. Shouldn't they be more concerned with collecting from the correct individuals?
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| 09/15/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Im writing to report the abusive practices and incompetence of Synchrony Bank with regard to my XXXX/Synchrony credit card, practices that included broken promises, conflicting information, and disgraceful customer service for 11 months which finally resulted in a mishandling of my dispute with a scammer vendor that any other credit card would have resolved in our favor.
On XX/XX/XXXX, we purchased a XXXX XXXX XXXX laptop computer from a merchant on XXXX for {$1200.00} using our XXXX/Synchrony Bank credit card XXXX Soon after the purchase, we began to have problems with the units power system. After a year and a half of purchasing a series of batteries and power adapters, we found many complaints about this model of XXXX XXXX saying it was a lemon. I reached out to the merchant about how the computer had failed but he refused to accept a return, refund or exchange.
On XX/XX/XXXX - I called the credit card Id used for the purchase - XXXX/Synchrony Bank - about the possibility of disputing the purchase of a faulty XXXX XXXX on XXXX. I explained the timeline, to make sure it was a valid dispute given how much time had passed. THE REPRESENTATIVE ASSURED ME THAT MY CLAIM WAS WITHIN SYNCHRONYS ALLOTTED TIME FOR VALID DISPUTES. The representative opened the claim and advised me on how to follow up with my supporting documentations. The rep told me to mail a detailed history of the claim along with receipt, history of the purchase of replacement batteries, and all documented attempts to reach merchant to : Synchrony Bank/XXXX , XXXX XXXX XXXX, XXXX, FL XXXX XXXX The phone call CONFIRMATION # was : XXXX On XX/XX/XXXX, I received an email alert taking me to an affidavit from Synchrony Bank confirming they are reviewing my claim and are working to resolve it.
From XX/XX/XXXX-1XX/XX/XXXX, my partner ( additional cardholder ) and I spent many hours gathering the aforementioned documentation and logging a detailing history of our claim.
On XX/XX/XXXX, I mailed a detailed history of my claim and all supporting evidence to Synchrony Bank via USPS Within a week ( late XX/XX/XXXX ) I received a text confirmation that Synchrony Bank was working on my claim but that it would take longer than usual due to COVID-19.
On XX/XX/XXXX, I received via email a survey about how well I felt my claim was handled, now that it had been resolved. I had not heard it had been resolved.
On XX/XX/XXXX, I called Synchrony Bank about the survey and asked what was going on? How could my claim have been resolved when I had not heard anything about it? The representative put me on hold to research my claim. When she returned, she claimed that the dispute was not resolved, was still on-going and that I would hear from them. The representative reassured me and told me that things were taking longer due to COVID. So I deleted that survey email.
On XX/XX/XXXX, I called Synchrony Bank for an update. The representative told me the claim was resolved. She said it had been denied because Synchrony Bank only disputes purchases made within 60 days of the claim. She claimed Synchrony Bank sent me an email on XX/XX/XXXX, XXXX, telling me claim was closed. She said it was both a letter attached to my account portal AND a letter would have been mailed to me. But I didnt have an on-line account for Synchrony Bank, therefore have no portal. AND I received NO letter in the mail. In fact, the only email I got from Synchrony Bank was on XX/XX/XXXX, telling me Synchrony Bank was reviewing my claim!!!
On XX/XX/XXXX, Synchrony Bank lowered my credit from {$6000.00} to {$1000.00} even though Ive always paid my balance in full on time, because of inactivity, which for me- is due to COVID. This actually BROUGHT DOWN MY CREDIT SCORE - right when I was considering moving to New York!!!
On XX/XX/XXXX, I called Synchrony Bank to clear up all these discrepancies. The rep ( XXXX ext XXXX ) said the claim is still open, that they usually take 45-60 days - but because the purchase was so long ago - and due to COVID - its taking longer than usual. She also said that the information that Synchrony Bank DOES NOT LIMIT CLAIMS TO ONES GOING BACK 60 DAYS!!!
On XX/XX/XXXX, I called Synchrony Bank and spoke with XXXX who said claim is closed She OPENED A NEW DISPUTE, said it will take 90 days. She said that in XXXX days, Id be getting a letter. I NEVER RECEIVED A LETTER On XX/XX/XXXX, I received a digital email from Synchrony Bank saying, We have received an inquiry on your account regarding an amount of {$1200.00} dated XX/XX/XXXX. We are unable to locate a transaction matching that information on your account. I had no idea what this meant. It was confusing.
On XX/XX/XXXX, I received another survey. Hi! Thanks for working with us on your recent XXXX account dispute, resolved on XX/XX/XXXX. We hope your inquiry was handled quickly and easily! To improve the service we provide, wed like your feedback. Please take a few moments to complete this short survey regarding your experience. Again, since Id not been informed of any resolution, I was confused and frustrated.
On XX/XX/XXXX, I called and spoke with Pia who looked up our case and said it was resolved in our favor, will be getting a letter in the mail with the details in 7-10 days. I never got this letter.
On XX/XX/XXXX, I called and spoke with XXXX who confirmed the dispute was resolved in our favor on XX/XX/XXXX. She said I would receive a letter XX/XX/XXXX, that the money would be credited to our account right away but that it would take 1-2 billing cycles before the funds could be mailed to us as a check. Again, I received no letter.
On XX/XX/XXXX, I opened an on-line portal for my Athleta credit card account ( which also was a protracted process because I could not close my on-line portal for my GAP ( also Synchrony ) card account that I closed many years ago. ) After finally getting on-line, to my surprise, I STILL had not been credited the amount of the dispute being told TWICE it was resolved in my favor. So I called and spoke with a customer rep who said the dispute was NOT resolved in my favor. This time, after so much misinformation and obfuscation, I asked to speak to a supervisor. He transferred me to a manager. This woman, whose name I forget unfortunately, was rude and patronizing. From the start, she would not let me finish a sentence until I had to assert myself. Even then, she did not listen to anything I said and shut me and my partner down. She said it was never resolved in our favor and when Customer Service Reps say that, it simply means it was resolved. Period. She said that the confusing email from XX/XX/XXXX was because the customer rep ( XXXX ) who reopened the dispute on XX/XX/XXXX put the wrong date down. This manager took no responsibility for the gross incompetence of Synchrony Banks staff through-out entire process. She also claimed that - as opposed to what I was told SEVERAL TIMES- including from the VERY START, the dispute was too old. Though she re-opened the dispute but said that Synchrony Bank will never resolve this dispute in our favor because I still have the computer and it was too long ago. The fact that I asked about the time period on the first day I called, almost a year agoand was assured it was fine, and the fact that I continued to be told that again, during the middle of the processwas irrelevant to her. This is CONTRARY to what I was told originally. Nor is it what I was told through-out the process. Synchrony Bank wasted a week of our time spent gathering the materials, as well as countless hours on these phone calls. They also brought down my credit rating even though I always paid on time. Any other credit card would have resolved this in our favor. Synchrony Bank is reckless and abusive of its customers.
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| 05/24/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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Web |
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XX/XX/XXXX, at JC Penney XXXX XXXX, NC store, paid JC. Penney/Synchrony Bank check # XXXX drawn on XXXX XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$490.00} the balance on XXXX XXXX XXXX Penney 's charge card.
Check then cashed twice by Synchrony/Penney Card Services ( S/P ). On XX/XX/XXXX as ACH Debit, XXXX. Then again on XX/XX/XXXX as INCLEARING CHECK # XXXX.
On XX/XX/XXXX shortage ( $ XXXX ) of funds in checking account discovered ; calls to XXXX discovered check XXXX had been paid twice, so XXXX reversed the first payment as CREDIT MEMO ACH ADJUSTMENT in amount of {$490.00}.
The same day XXXX XXXX talked to XXXX about the double payment, she called JCP to tell them of the double payment. Her husband, XXXX ( checking account is a joint one ), spoke to S/P rep " XXXX '', who stated S/P had received just one payment of {$490.00}, that there was no balance due, that next statement would come out on XXXX, and that the call woould be noted on S/P record. When talking to S? P typically phone was on speaker and both XXXX and XXXX talked and listened.
Our concern was that there had been theft, that perhaps an employee of S/P had embezzeled one payment ; another concern was how could a check be cashed twice. XXXX stated each item had an individual id number, and that bother were check XXXX, but one was ACH ( eletronically processed ), and the other the usual stream of physical checks.
When we received the transaction history from XXXX and a copy of the canceled check, it became clear what had happened.
Prior payments of balances on the S/P card had stapled together the check ( STAMPED CANCELED OR VOID ), the JCP statement, and the register receipt detailing the payment. The JCP statement plus register receipt from XX/XX/XXXX lacked the canceled check ( which allowed a double payment ). THE CANCELED CHECK WAS NOT STAMPED VOID/CANCELED ( as usual by JCP stores receiving our checks. Rather, the check was stamped FOR DEPOSIT ONLY XXXX XXXX # XXXX JCPenney # XXXX.This is how cash and checks handled manually are deposited from the XXXX XXXX Store , to the local XXXX ( now XXXX XXXX ) We had wanted XXXX to reverse the second charge, but they did as they did, and reversed the first payment to S/P. ( Perhaps S/P has no record of the second payment, such that they now think XXXX owes them {$490.00} after first payment was reversed by XXXX. ) We made multiple phone contacts with supervisors at the JCP XXXX XXXX store and finally made an appointment and went to the store on XX/XX/XXXX to meet the store manager, XXXX XXXX. We showed him the XXXX canceled check and the JCP register receipt and the checking account history showing the double payment and reversal of one payment for check XXXX. He copied these and faxed copies to S/P. The rep on the phone was a XXXX, and a lengthy discussion occurred. Mr. XXXX stated he could understand what had hapened. XXXX and XXXX XXXX wanted {$100.00} to compansate us for the error by S/P. XXXX refused, then said she would pay a {$50.00} credit to the account and Mr. XXXX gave us a {$50.00} JCP gift card to make uup the {$100.00} demand.
[ The reason for the {$100.00} demand was the never-ending problems with S/P since XX/XX/XXXX. XXXX and XXXX had talked to multiple S/P reps since this problem occurred. We were very upset by S/P inability to respond appropriately. There were multiple instances of our checks being " held '' by S/P since XX/XX/XXXX -- when they cashed the checks but did not credit the credit card.for some, not all of the checks for about 2 weeks. There had been issues with S/P security on XX/XX/XXXX, not allowing a purchase at the XXXX ( XXXX XXXX ) VA store ; The purchase was within the available credit line, but they tried to prevent the purcahse which eventually they allowed. The security S/P were concerned that a purchase was made on XX/XX/XXXX at the XXXX VA store and also at the XXXX XXXX store, fine jewelry each about {$300.00} ; but, XXXX VA is one of three urban areas nearest our home in XXXX, NC, the others being XXXX, NC and XXXX, VA. It also may have seemed suspicious to S/P that in the XXXX and XXXX XXXX stores XXXX XXXX, at XXXX 's request paid off the purchases using his individual checking account, applying the payments to the charge card rather than directly the credit card -- -there were discounts available to XXXX only if she used the JCP card, and not if another form of payment was used. The .payment was immediately entered ACH, the Va B sent as a check " manually '' by the salesman. ] During this time the automated credit card phone number showed no payment due.
" XXXX '' the S/P rep on the phone in Mr. XXXX 's office stated the faxed info would be processed to resolve the matter in about 15 days. Later, the span was extended to XX/XX/XXXX.
BUT, ON SATURDAY XX/XX/XXXX, WE RECEIVED A COMPLETELY BOGUS LETTER FROM SYNCHRONY BANK, XXXX XXXX XXXX, XXXX XXXX FL XXXX. Dated XX/XX/XXXX, to arrive XX/XX/XXXX. Our snail mail takes 2-3 days, not 5. The letter stated Your payment of {$490.00} credited XX/XX/XXXX has been retured due to one of the four listed reasons. Three stated the bank info was inadequate ( BUT THEY CASHED THE CHECK ) ; one stated available fund ( WHICH NEVER OCCURRED! ).
Since this letter and more abusive treatment by S/P ( the {$50.00} promised by XXXX has not been posted to the account, etc. ) we now think {$200.00} ( less the {$50.00} gift card= {$150.00} ) should be paid XXXX XXXX for her pain and suffering, as a {$150.00} check, And S/P must write a letter admitting their processing error and they should therefore include in the letter their pledge that they will be doing and paying whatever it takes to ensure that their errors will not be allowed to damage XXXX XXXX 's credit score!
We have attempted to contact S/P employees who can fix their problem, such that other customers will not suffer double cashing of a check, and how their phone service can be improved. For example, if one tries to contact a supervisor when the rep can not handle the problem, one eventually discovers that a person called a supervisor is backed up by a higher level person called a manager ( who also can not deal with the systemic problems. We tried to contact the CEO, XXXX XXXX at XXXX and XXXX but these are unmonitored voice mailboxes. There seems not to be any way to contact a person who can resolve problems, XX/XX/XXXX, we got calls from an XXXX XXXX ( sic? ). Hard to understand ( too quiet ), and no way to call her back ( repeatedly went to voice mail ). Phone tag ( easily solved by automated system which sets a callback time of the customer 's choosing ). Ultimately, XX/XX/XXXX XXXX spoke to her ( while XXXX was listening on his cell phone ) and Ms. XXXX just did not seem reasonable nor competent. She apparently had a ( faxed? ) copy of the XXXX statement, with the two payments and one clawback circled, but refused to admit the double payment ( which she had to see! ) of check XXXX, and kept stating the {$490.00} is still owed to S/P.
XXXX called her because the automated credit card phone number now said {$490.00} was owed, It is due to the receipt of the bogus letter that XXXX XXXX decided to write the CFPB. In addition, XXXX called XXXX to contact S? P directly, and made an appointment to again see Mr. XXXX ( XXXX XXXX JCP manager ) on XX/XX/XXXX, Tuesday, after XXXX XXXX.
XXXX XXXX hopes MsXXXX XXXX is out in left field and the investigation triggered by faxing the info from XXXX to XXXX will settle the matter logically soon after XXXX XXXX. When Ms. XXXX contacted us, she said she wanted to answer any questions we had ; she supposedly is with Corporate Consumer Relations. Crazy buzzword -- all we want is for the error to be corrected as per the evidence.
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| 05/13/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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XX/XX/XXXX XXXX XXXX ( RE : My daughter XXXX XXXX ) made an online purchase to XXXX. Apparently, you have to use your email address to sign up for an account. But my daughter did not recall having to use a password and nor could we ever sign back in using her email address ( required ), nor could the password be " reset ''. Impossible to sign in at all. It was supposed to be a XXXX time purchase and ended up being a subscription that was unauthorized by a minor.
Unauthorized monthly subscription by my XXXX year old daughter. Disputed with Synchrony Walmart mastercard. Synchrony Bank sided with merchant just because they provided proof that packages were sent. No one denied them being sent, the dispute was due to it NOT BEING authorized for a MONTHLY subscription by a minor. And is impossible to cancel this monthly subscription with this merchant. Dispute amount is a total of {$130.00}. I originally was disputing the {$100.00} that was the other 3 charges for XX/XX/2019, XX/XX/2019 and XX/XX/XXXX. But turns out the XX/XX/XXXX payment that stated was for XX/XX/XXXX treat box. Contacted merchant and in XX/XX/XXXX, sent out another box, same day for XX/XX/XXXX. I am in fear, even after contacting Synchrony bank, that this merchant will try to say that it is recurring charge and that even though Synchrony bank only cancelled my card and will try to collect for recurring charges that were not cancelled. I sent merchant an email to not send anymore boxes and they refuse to do and send them anyways.
Federal Trade commission complaint number is XXXX. See attached paperwork.
Attn CFPB : On XX/XX/XXXX, I had filed a complaint with Synchrony Bank in regard to my minor daughter, nor myself, giving XXXX permission to enter into a contract regarding monthly payments. I sent them a 17 page fax of information, regarding the emails being sent to my daughters email, XXXX and that I had contacted the merchant that I did not authorize monthly payments. On XX/XX/XXXX my daughter contacted this merchant and explaining to them, ( she is a minor ) that she did not sign up for recurring payments and to not send out another box. The merchant responded on XX/XX/XXXX and said they had already shipped the box out as of XX/XX/XXXX ( they changed their shipping date from the XXXX to the XXXX per the original email of the very first box ordered on XX/XX/XXXX ). Their response was that they still showed her account active and that she needed to sign into her account, her email and password, to cancel the subscription and that they shipped her box out already and charged her credit card ( XX/XX/XXXX ), after we notified them.
XXXX, my daughter immediately went on to XXXX and clicked on sign in page and in her email address ( supposed to be her account that said she signed up for ). She did know the password, as she signed up in XX/XX/XXXX with an email address in order to receive the box. She was visiting with her grandmother and told me that is what she wanted to use her XXXX money for. She didnt think she had a password, but they were saying she had an account. So my daughter and I tried typing in her email address ( also to whom XXXX and XXXX send her emails to ), XXXX and clicked password reset. It gave an error message saying Please verify your email. The section works only if you already signed up for the service, and would not allow us to sign in. Then merchant sent another separate email in the meantime showing manage portal account, which gave an ID #, My daughters information, her email address and her phone number saying go to my account. This would not allow us to go into her account, took us to the same page as XXXX sign in page.
Also on XX/XX/XXXX when we notified them that the monthly subscription was not valid, the sent an email out same day, XX/XX/XXXX at XXXX in the morning that they sent out another box for XX/XX/XXXX to XX/XX/XXXX ( this box has not been received ). The boxes that were received were as follows : XX/XX/XXXX a box was ordered for {$32.00} by my minor daughter ( under 18 ). I gave her permission to use the cc to purchase it. She wanted the XX/XX/XXXX box. But instead the mailed out a XX/XX/XXXX box. It stated on their website if you sent a friends email address that you would get the next box for free.
On XX/XX/XXXX, they sent another box out and an email ( after investigating my daughters inbox, on XXXX saying the box was on its way. She thought this box was free, well she wasnt sure if her dad had ordered her one or not, she is 14 and wasnt really sure ).
On XX/XX/XXXX, they sent another box out and this time is when I questioned by daughter as to why these boxes were coming. I looked and sure enough they had been billing my credit card the entire time. Because of xmas and returning some products, I didnt really notice the charge for {$35.00} and I had paid my account. But on XX/XX/XXXX I had my daughter email them explaining that she didnt sign up for a subscription and that she was a minor and had used her moms credit card.
Regardless of attempts, I called and reported to Synchrony Bank on XX/XX/XXXX after receiving realizing this was a scam and that we could not actually cancel these monthly subscriptions. I closed my account and was assured that no monthly reoccurring charges would be about to be made. I faxed over to the dispute department on XX/XX/XXXX 18 pages, showing the emails and that we could not sign in and cancel.
Synchrony bank gave us a credit of {$100.00}, not including the {$32.00} initial charge and proceeded to investigate the fraudulent charges supposedly. On XX/XX/XXXX I also faxed over 18 pages of documentation to the fraud department. Also was told reoccurring charges were cancelled and no other charges could be made. I explained my concerns about the additional box being sent and our request to cancel and that it wasnt a valid contract per her being a minor and they sent out an XX/XX/XXXX box anyways and stated the payment went through and could not be cancelled.
I got a letter from Synchrony bank dated XX/XX/XXXX that the credit had been lifted and that we had to pay the charges of {$100.00}, that the merchant sent proof that we received the boxes. This was never the issue, I never said we didnt receive the boxes, I said my daughter was a minor and that she did not sign up for a monthly plan, it was not valid and that they sent an additional box even after we told the merchant is was impossible to cancel the monthly subscription.
On XX/XX/XXXX at XXXX XXXX I paid the {$100.00} to Synchrony bank and called the number on the dispute letter and asked to speak to a manager. I spoke to XXXX. I asked why they made their decision, that all the merchant provided them with was tracking shipment information. She said it was because WE RECEIVED the PRODUCT, it did not matter to the bank if we subscribed or not, or that my daughter was a minor. It did not matter that it made the contract invalid regardless if I allowed her to use my credit card. I said I could send a copy of my daughters birth certificate to show proof, also that her XXXX account is a minor childs XXXX account, she said it did not matter. She said she saw my fax of 18 pages were sent and that the investigation was done and unless I wanted to send MORE information, that nothing else could be done.
I filed a complaint with the federal trade commission against XXXX XXXX XXXX on XX/XX/XXXX, reference number XXXX and also followed up today with XXXX and provided the information of where these packages were being sent from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Synchrony Bank case # XXXX Thank you, XXXX XXXX My mailing address is not the same as my XXXX XXXX XXXX that is on Synchrony Bank 's Walmart mastercard either.
|
| 08/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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After Toys R Us closed, my Toys R Us credit card converted to a Synchrony Bank Mastercard. Since I began using this Synchrony Bank Mastercard, I have frequently been denied use - stuck at gas stations trying to pump gas or on the sidewalk waiting for an XXXX - because of Synchrony Bank Mastercard 's fraud alerts. Although I had permitted fraud alerts to my phone to which I could respond via text message that the charges were not, in fact, fraudulent and that I was still in possession of my card, I have consistently had to call the number on the Bank of my card to have my access to my line of credit restored. This has been happening approximately monthly. Each time I have called to complain, I have asked why my card keeps getting flagged for frozen, despite the fact that I will use my card in the same manner ( i.e. pattern ) for days to weeks at a time before my card is frozen due to suspected fraud, and I have asked each time that I call that my call be logged as a complaint. Despite numerous calls to Synchrony Bank Mastercard, my card continues to be regularly frozen, and I am forced to spend approximately 15 minutes on the phone with Synchrony Bank Mastercard every time I have to call them to unfreeze my card. During at least my last 3 to 4 calls, I have asked that someone call me back either to address my complaint. I have never received a response.
Recently, my card was declined and frozen on Wednesday, XX/XX/2019 when I was standing at the curb outside of work waiting for an XXXX to take me home. I did not receive a fraud alert text until after I called in to have my card unfrozen. The customer service representative verified all of the charges on the card recently - my train ticket in the morning from the commuter rail, my XXXX from the train station to my job site, and my XXXX from the job site home. Synchrony Bank Mastercard seems incapable of recognizing preauthorization charges ( especially in regard to XXXX ) and automatically freezes cards. I had my call escalated and advised the 2nd customer service representative that I call almost monthly, and I have had enough, to log this as a complaint, and if I do not hear back from someone soon about how this ongoing issue will be resolved, I will be cancelling my card. After I hung up, I saw that I received a call from a Texas number which was apparently someone else at Synchrony Bank Mastercard telling me I could use my card again something the representative I was one the phone with was denying me. By the time I listened to that message, I had already selected another card for use to get myself home.
Today, on Tuesday, XX/XX/2019, the same thing happened. I tried to book an XXXX home and my card was denied. No text verification. I took out my wallet and called the number on the back of the card. The first representative verified my identity and escalated my call without my asking because he could not unfreeze my card. The 2nd representative advised me that he could not use my primary phone number to unfreeze my card, nor my primary email, and that I would have to provide a second phone or email. I advised him that I did not have one and that the information they have on file for me, that I provided, is correct and should be sufficient. I was told it was insufficient to unfreeze my card. I asked that the call be escalated again. I was told that I was already speaking with a manager and there was no one else to whom to escalate the call. I noted that my card is frozen too often and I will be cancelling my card and that this call should be logged as a complaint and that I will be reporting this pattern of behavior to the CFPB.
As soon as I use my cash back rewards ( the representative on the phone with me could not tell me what or if I had any in my account ) I intend to cancel this card. Synchrony Bank Mastercard should be examined in regard to their credit card operations, specifically in reference to the Consumer Complaint Response portion of their Compliance Management System as well as for Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).
Synchrony Bank Mastercard 's frequent freezing of the use of my credit card was unfair. It caused substantial injury to me in stealing from me time and energy calling in to have my card unfrozen on an ongoing basis ; despite my explaining to Synchrony Bank Mastercard the ongoing nature of this problem, my pattern of use, and my wishes that this issue be resolved, the situation did not change or improve and the injury I suffered in lost time and energy as well as the use of the benefits associated with my use of this card ( like when I had to rely on another card ) was not reasonably avoidable by me, despite me best efforts. This injury was not outweighed by any countervailing benefits to consumers or to competition because it only inconvenienced me beyond a reasonable standard and discouraged my use of the line of credit I had been rightfully granted.
Synchrony Bank Mastercard 's frequent freezing of the use of my credit card was also deceptive. I was led to believe that Synchrony Bank Mastercard would allow me to use the credit card for which I was approved in a reasonable manner, in accordance with my predictable patterns of us. Instead, I was misled, as demonstrated by Synchrony Bank Mastercards regular denial of my use of the credit card and lack of proactive measures in alerting me of any suspected fraud. My interpretation and expectation of being able to reasonably use the credit card for which I had been approved was reasonable under the circumstances. No other card that I have ever had has been so problematic with one, persistent issue that disabled me from accessing my line of credit. Synchrony Bank Mastercards misrepresentation of its card product is material, as it unreasonably impacted my access to the line of credit for which I had been approved.
Finally, Synchrony Bank Mastercards frequent freezing of the use of my credit card was abusive. If there were a way for me to prevent the frequent freezing of my card, for me to understand how to stop this frequent denial, Synchrony Bank Mastercard never advised me as to how any time I called, and despite requesting a call back from someone to resolve this issue on several occasions, my request for help was never answered ; one ever reached out or left a message. Synchrony Bank Mastercard took unreasonable advantage of my inability to protect my interests in using the credit card product or service and my reasonable reliance that the customer service staff would respond appropriately to my complaints and help to resolve them.
The frequency with which the issue occurred is also indicative of an abusive practice, because Synchrony Bank Mastercard was alerted of the issue and failed to respond to either me or its fraud-detection-system dysfunction in a timely or reasonable manner. Synchrony Bank Mastercards lack of response or escalation of my complaints also demonstrates a failing in the Consumer Complaint Response portion of its Compliant Management System. Overall, the financial institution 's disregard of its duties to reasonably honor the line of credit I was granted discouraged me from using my card to the point where I will be winding it down and closing it, and bad faith on the part of a financial institution, generally.
As an added complaint, every time a customer calls in, they have to provide their full name exactly as it appears on their card, with their middle initial, and Synchrony Bank refuses to change the name on the card to any name other than what is on an individual 's driver 's license, even if that is not the name they commonly go by - unless I was misinformed by their customer service.
|
| 11/09/2023 |
Yes |
- Credit card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I mailed them numerous letters to their publicly provided address according to UCC 1-102 Notice and Knowledge XXXX to Synchrony Bank ( XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX, which is still available for pick up XX/XX/XXXX to Synchrony Financial c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, never picked up XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was XXXX XX/XX/XXXX at XXXX ; XXXX XXXX XXXXXX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was XXXX XX/XX/XXXX at XXXXXXXX XXXX XXXXXX/XX/XXXX to Synchrony Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX sent certified letter XXXX XXXX XXXX XXXX XXXX rescinding part of my security agreement to Synchrony Financial Legal Depart c/o XXXX XXXX still in transit XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX was delivered XX/XX/XXXX XXXX XXXX called XX/XX/XXXX letter not in system XX/XX/XXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was delivered XX/XX/XXXX XXXX XXXX, called XX/XX/XXXX left message, nobody returned my phone call XX/XX/XXXX to Synchrony Card Funding c/o XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, called XX/XX/XXXX mailbox full I asked for a debt validation for my consumer account and my consumer transactions, and their accounting according to GAAP, the public and private side ( transactions on the secondary, stock market or international market ). I need a couple of questions answered, and I have a right as a federal protected consumer to do so, Is my Debt valid, or has it already been paid for through the Treasury via Bonds, T-Bills and T-notes on the Primary or Government Market. Does Synchrony Bank ( or any other financial institution ) gain access to the Treasury window through my signature, name and social security number?
Are they Security Transfer Agents?
What does it actually mean when I signed over my security rights and giving Synchrony Bank the right to transfer?
Does this deprive me of lawful income and the IRS of lawful taxes? Did they furnish me with all the relevant and necessary information to make an intelligent and informed decision concerning this matter? Was everything displayed in a conspicuous way for a reasonable person to notice and understand?
Does Synchrony Bank actually have money of substance to pay for anything, or is there no money, and we live in a credit system of charge and discharge. ( 18 USC 8 and HR 192 march 1933 )?
What is the meaning of IRS code that income consists of stocks and property?
What are the function and responsibilities of their XXXX XXXX XXXX XXXX XXXX and their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to the The Securities Exchange Act of 1933 which regulates newly issued securities, such as those being sold through an initial public offering, and the Securities Exchange Act of 1934 which regulates securities that are already being actively traded on the secondary market, and the Trust Indenture Act of 1939? And why are they all signing in accordance with those acts?
Is the Statement ( nowhere on the letter they are sending me does it say Bill ) actually a dividend check ( bottom part ) and bond ( top part ) of a T-Bill that was traded on the Primary or Government Market from a bond that was created by the Treasury to raise funds?
Is Synchrony Bank getting paid from the Treasury on the Primary or Government market ( National Market ), that then develops a CUSIP number to be traded as a stock on the Secondary or Stock Market?
Is Synchrony making money selling my contract/debt on the Secondary or Stock Market ( International market )?
Is signing over my security interest and transfer rights rob me of income and the ability to discharge my debt obligation. XXXX percent principle meant as my income source, 20 % their servicing fee?
Why are all my statements in a positive balance? What is the meaning of 12 CFR 1026.11?
UCC 3-104 These statements/securities with a monetary value are negotiable financial instruments unless it explicitly states on statement that it is not a negotiable instrument They are considered foreign liability companies, initially registered in one State like Delaware and headquarters in another state, and are therefore not required by the SEC to report their trades. All international trade is governed by the Unifo
rm Commercial Code. Are they in compliance, or are there violations?
I have sent all of them stamped ( 31CFR 328.5 and 328.6 ) securities ( statements ), and have not received an answer. Are they not accepting securities as payments, why are they not returning them then? Isnt that a violation of UCC 3-603 ( I am holder in due course of this financial instrument/security/ bearer bond ), and UCC 3-604 ( discharge by cancellation and renunciation, which discharges debt when you dishonor payment by not accepting it )?
They have a duty to manage all financial instruments according to The Exchange Acts of 1933 and 1934, the Indenture Act of 1939, and the UCC. Are there in compliance by ignoring me, and not answering my questions, and disclosing the necessary information.
Synchrony Bank/Amazon has an arbitration clause in their credit card agreements, but they went straight to suing me because I am asking questions, this is unlawful. I have a right to ask questions and to change my mind. I have since then sent a registered letter to their legal department changing the terms. I believe now that the principal of 80 % of this consumer transaction is lawfully mine, and they are entitled to a 20 % servicing fee.
Synchrony Bank, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are all foreign liability companies, that are being publicly traded on the stock market ( I pulled all their XXXX K, XXXX K and T XXXX forms ). They are governed by the Securities Exchange Acts of 1933 and 1934, the Indentured Trust Act of 1939, the UCC and FINRA.
These are a few questions, and there are more that I have, and need answers to in writing only.
I understand now that I gave them implied consent by paying their statements, and participating in their automatic payment programs. But it was definitely not informed consent, I never had Synchrony Bank or any other bank tell me in detail, or inform me about all my rights and options. I have come to this consumer transactions in good faith that all information would be disclosed to me for me to make an informed and intelligent decision.
I have committed the crime of not reading, but I am reading now and I have questions that need to be answered.
I have nothing against Synchrony Bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but according to 16 CFR 433. 2 ( Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER ), which means they are all liable. I still would like to resolve this matter amicably.
I have been in constant communication with them, and they have not answered my questions. I am open to a fair resolution for All. But to just ignore me, and now to sue me without offering me arbitration is against the law.
All my transactions were consumer transactions for private and household expenses only.
|
| 02/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I would like to preface this information by stating that the problems I will describe below have been ongoing for approximately the past year.
I currently have two types of transactions on my synchrony care credit account - 2 promotional transactions that do not accrue interest if paid in full by a given date ( for both this date is XX/XX/XXXX ) and 3 transactions that are reduced APR/fixed payments ( for transactions dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ).
1. The first issue is that it is not conveyed to the customer how payments are applied 'automatically ' when both promotional and fixed rate transactions exist on an account at the same time. My assumption was that my payment would go towards the first 'expiration ' date first - the promotional transactions. This is NOT the case, and I only found this out after my first payment after adding the fixed APR transactions to my balance. When I contacted synchrony to ask why none of my payment was applied to my promotional balances, I was informed that the system applies payments to the highest interest transactions first. Now, it should be noted that the promotional purchases have an APR of 24.99 % for EACH transaction. For the fixed transactions the APR is 14.9 or 16.9 %. To me, and I imagine other customers as well, the highest interest rates are on the promotional transactions. Synchrony does not see it this way - they see the promotional rates as 0 because the interest rate doesn't kick in until AFTER the promotional period has ended. Very sneaky. If you don't pay attention closely, despite making calculated payments to pay off your balance by the expiration date, the consumer will be surprised by being hit with the crazy high rate of 24.99 % because potentially NONE of their payments were applied to these transactions.
2. However, a consumer CAN request for their payment to be allocated to specific transactions. At this time, this can only be accomplished by phone with a customer service rep. Once I was informed of this and made my first payment with a customer service person by phone, where I defined the specific payment allocations - the payment was actually never recorded AT ALL. It took multiple calls spanned hours on the phone to ultimately have them pull their call record ( which they thankfully have XXXX to determine that I had, in fact, submitted a request for payment with specific allocations, I actually requested a confirmation number and was informed they could not provide one. Since this was my first attempt at this type of payment, I didn't know any better and assumed this was accurate information. It was not. Again, many more phone calls and several hours - this issue was ultimately resolved.
3. As a result, I now keep extremely detailed records of my balances and allocated payments. Yet, my monthly statement never reflects this information. While I am happy to provide these detailed records for each month since XX/XX/XXXX when this all started, I will focus this complaint on the most recent discrepancies highlighting the discrepancies between statements with closing dates of XX/XX/XXXX and XX/XX/XXXX.
The XX/XX/XXXX statement indicates the following : Balance = {$1100.00} Promotional balances ( 2 with the same expiration date of XX/XX/XXXX ) = {$5500.00} ( total ) XX/XX/XXXX Fixed Balance Transaction Balance = XXXX XX/XX/XXXX Fixed Balance Transaction Balance = XXXX XX/XX/XXXX Fixed Balance Transaction Balance = XXXX I made a payment for the total amount of {$1300.00} on XX/XX/XXXX at XXXX. I have the confirmation # if needed. The following allocations were requested : - Apply {$1100.00} towards the two promotional balances ( either split equally or applied all to one - it didn't matter since they have the same expiration date ) - Apply {$100.00} to the XX/XX/XXXX transaction - Apply {$40.00} to the XX/XX/XXXX transaction - Apply {$130.00} to the XX/XX/XXXX transaction The next statement ( with closing date of XX/XX/XXXX ) that I received reflected the following : Balance = {$10000.00} ( which is over {$500.00} more than expected given the previous payment made ). Additionally, the statement reflects 'New Purchases ' in the amount of {$1500.00}, although the card has NOT been used at ALL. There is also a general line item of 'Credits, Fees, Adjustments ( net ) that = {$1100.00}. I am unable to determine what this reflect at all.
This statement shows the transaction balances as follows : - Promotional balances ( 2 with the same expiration date of XX/XX/XXXX ) = {$4900.00} ( total ). This is {$490.00} MORE than it should be based on the payment allocation submitted on XX/XX/XXXX for {$1100.00} - XX/XX/XXXX Fixed Balance Transaction Balance = XXXX ( {$100.00} prior pmt +XXXX - this seems to be interest, and would be accurate ) - XX/XX/XXXX Fixed Balance Transaction Balance = XXXX ( {$40.00} prior pmt + XXXX - this seems to be interest, and would be accurate ) - XX/XX/XXXX Fixed Balance Transaction Balance = XXXX ( {$130.00} prior pmt + XXXX - this does NOT appear to be accurate interest applied ) As usual, I called to TRY to understand why my promotional payment had not been applied as requested. For the first time, after having to contact them EVERY SINGLE MONTH for nearly a year, I was informed by 'XXXX ' that 'sometimes ' it takes an average of 1-2 billing CYCLES for allocations to be applied. I had previously been informed that it may take 1-2 WEEKS. Personally, I don't understand why it should even take 1-2 weeks, however, this explains a LOT of the issues. Essentially, the statement that they send out aren't accurate. Presumably, they would 'correct ' in 1-2 billing CYCLES, but by that time, additional payments, allocations and interest charges have been applied and nobody can figure ANY of this out to either explain or correct.
To FURTHER complicate the issue, today, I reviewed these transactions online. The following is what is reflected when reviewing these same transactions online today ( XX/XX/XXXX ) : - Promotional balances ( 2 with the same expiration date of XX/XX/XXXX ) = {$4000.00} ( total ). This is {$430.00} LESS than I expected based on the payment allocation submitted on XX/XX/XXXX for {$1100.00}, which would have brought this balance to {$4400.00} - XX/XX/XXXX Fixed Balance Transaction Balance = XXXX - This matches the XX/XX/XXXX statement balance ( {$100.00} prior pmt +XXXX - this seems to be interest, and would be accurate ) - XX/XX/XXXX Fixed Balance Transaction Balance = XXXX - This matches the XX/XX/XXXX statement balance ( {$40.00} prior pmt + XXXX - this seems to be interest, and would be accurate ) - XX/XX/XXXX Fixed Balance Transaction Balance = XXXX This is {$930.00} MORE than the XX/XX/XXXX statement balance ( {$130.00} prior pmt + XXXX - this does NOT appear to be accurate interest applied ) Somehow, using some sort of fuzzy math, the online account balance still matches the statement account balance.
The problem is - not only is it not apparent or clear that my payment allocations have been applied from my payment made on XX/XX/XXXX, I also now have a moving target for my promotional payoff amounts. At the very least, I would have expected those to be simple to maintain on the billing side, as there is no interest applied. It's a simple mathmatical equation - prior balance minus payment allocation = new balance. And yet, that does not appear to be the case.
What I have described with this point # 3 in an every month occurrence. I am a long-time customer of Synchrony and have a history of always paying on time and MORE than required minimum payments. I am not what might be considered a 'risky ' customer.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX To whom it may concern : I am also requesting a copy of my updated credit report.I have the right to contest any information on tha credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines!
AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 Standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report.
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request that the credit inquiries listed here be deleted from my credit report. I have not authorized any of the companies listed to view my credit history, and as such, the inquiries are in violation of the Fair Credit Reporting Act, Section 1681 ( c ). I would appreciate if you could remove them immediately.
XXXX XXXX XXXXXXXX The request to remove these inquiries from my credit report has been made more than once, but I want them gone permanently. They are indeed violating the Fair Credit Reporting Act and should be deleted immediately!
XXXXXXXX XXXX XXXX XXXX XXXXXXXX I believe someone has requested my credit file without my knowledge and I would like this removed or proof provided that you have permission to pursue this course of action under the Fair Credit Reporting Act. I would appreciate if you could provide documentation showing compliance with FCRA guidelines.
Please respond as soon as possible.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The credit report I received from you showed a few companies that are not familiar to me. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code, 15, U.S.C & 1681 es seq. Section 604 states that all users must haves permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Please have this inquiry removed from my credit file or forward me documentation ( physical proof ) that you have proven permissible purpose for this inquiry XXXX XXXX XX/XX/XXXX XXXX I didn't know that companies were looking for my information, but this one on my credit report is unfamiliar to me. It looks like they put an inquiry without getting permission first, which isn't possible unless they had a permissible purpose, which is outlined in section 604 of the U.S. Code. If they didn't have a permissible purpose, please remove this or send me documentation proving how we can use these types of inquiries accordingly.
XXXX XXXX XX/XX/XXXX XXXX I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. I contest the reporting of the above noted inquiries and challenge the demonstration of the confirmed physically verifiable proof of validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was lactually identified as being me and only me. Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.
XXXX XXXX XX/XX/XXXX XXXX I received a credit report from you, and I noticed that there are some companies on it that I don't recognize. It looks like they put an inquiry on my file without my knowledge, but this shouldn't be possible unless it was something approved by me first. According to the U.S. Code of Federal Regulations, Title 15, Chapter 16, Section 604, all users of credit reports must have a permitted purpose in order to obtain them. So, can you please remove these inquiries from my report or provide me with documentation proving that they should be on there?
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Some companies are looking for my personal information, and one of them showed up on my credit report. I'm not familiar with this company, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they had a permissible purpose according to U.S Code & 1681 es seq section 604, which states all users must have a permissible purpose when using consumer reports. Please remove this or send documentation proving how we can use these types of inquiries accordingly.
XXXX XXXX XXXXXX/XX/XXXX XXXX I am writing to you because there is an unauthorized credit inquiry on my credit report. I dispute this inquiry and would like it removed from my credit report. I would also appreciate if you could update me on your findings within 30 days. This unapproved inquiry is harming my ability to obtain new credit.
Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided.
|
| 02/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Dear Sir or Madam : On XX/XX/XXXX, approximately XXXX XXXX.
My fianc, XXXX XXXX and I had previously discussed getting the kitchen redone in my home.
I had seen the XXXX XXXX XXXX. on several occasions, so we decided to stop by to see what they had to offer.
I was approached by XXXX, the wife of the owner, XXXX XXXX, and she explained to us some of the services that they provided which were kitchen cabinetry, back splash, flooring and tear-outs. I was impressed because they were offering the things that I wanted done for my kitchen. XXXX, informed us that they worked with a bank that provided financing, the catch was that we had to act on this immediately because we had only a few days left to take advantage of the financing program that was offered. We later learned that was a lie because we found out that that program was ongoing for another few months.
Once XXXX put my information into their system, I was told that I was approved for {$6500.00}. XXXX took it upon herself to change some of my information which allowed my credit line to be increased to {$10000.00}. XXXX, XXXX husband, came over to talk to us and asked when they could come out to do measurements of the floor and cabinets and we suggested for him to come to our home that evening. I asked XXXX for the printout regarding the bank that issued the financing. XXXX stated that she would bring it with her that evening.
When XXXX and XXXX arrived that evening, approximately XXXX XXXX XXXX had forms in his hands and he asked to do the measurements. My fianc took him into the kitchen to perform the measurements, however, he only measured the floor, not the cabinets the back splash, or the walls which he told us he would be measuring.
When XXXX finished measuring, he began writing up the proposal while XXXX started explaining to us that they could do the flooring, the cabinet, pretty much the whole kitchen. XXXX told us that he could get us high-end cabinets for a reduced price. The price was reduced because ( XXXX the person who was to install the cabinets ) was related to the owners of XXXX XXXX. Also, XXXX was to come out to our *home in a few days to perform a more precise measurement because the cabinets were to be custom made.
XXXX handed us the proposal and after reviewing it, we noticed that the price had increased another {$9000.00} giving a total of over $ {$20000.00} for the completion of the work. We explained that it was too expensive for the size of our kitchen. I asked what happened to the discount on the cabinets that we were told by XXXX that we would be able to receive.
That is when XXXX stated that if we would instead perform the wall & cabinet tear-outs ourselves, it would bring down the price down. He also stated that he only listed the {$10000.00} on the proposal because that was the amount the bank had loaned us. XXXX also stated that he could lower the price if we gave him the job. He also claimed that this was something he had done for other customers, and that he even lowered the price or provided additional work without any charge.
We informed both XXXX and XXXX that we were uneasy with his pricing and how he had changed some of the details. I told XXXX and XXXX I needed to discuss this over with my family before I gave them the job. XXXX stated that before we decide not to allow them to perform the work, to allow XXXX from XXXX XXXX to come out and perform the custom measurement of the cabinets. He also suggested that when XXXX finished measuring, we were to see the woman from XXXX XXXX to present us with the design layout.
Approximate date XX/XX/XXXX XXXX came to my home to perform the measuring, and he was expecting XXXX to be there as well. After waiting for about an hour with no call or show from XXXX, XXXX went ahead and did his job. That is when I told XXXX that I was dissatisfied and was having second thoughts about having XXXX XXXX to do the job.
Around XX/XX/XXXX, my fianc and I went to XXXX to see the woman regarding the design layout. We were impressed with the design, however, XXXX never mentioned that we were to pay out-of-pocket for this, that is when we opted out. We immediately called XXXX and asked her why we were not told this. XXXX said not to worry about it because she knew someone who worked at XXXX who could get the design for free.
Around XX/XX/XXXX, we had not heard anything from XXXX or XXXX. That is when we called them and told them that we were not going to use them.
I was told that the material was already ordered and in storage somewhere in XXXX, MI., XXXX stated he had already taken the funds from my bank credit card for the deposit. I asked XXXX how they were able to access the money and deplete the credit card without my permission, no contract being written up, and I had no input as to what I wanted.
I also asked XXXX to give me all the receipts of any purchases he had made and that he said he would present them to me later, and never did. XXXX stated that in addition to the total amount of purchases, he had out of pocket expenses of {$1000.00} due to taxes being applied to the material and that I was to pay for that also.
Around XX/XX/XXXX I received the bank card and checked the balance to see if it was true that XXXX had depleted it ; it was true. That was when I contacted Synchrony Bank to inform them that the company who depleted my credit card, had no permission to do so because I had not chosen them to do any work for me, nor did we have a contract.
The bank representative told me to try and work it out with the merchant. At that point, I had no desire to continue dealing with this company Also, at that time, I did not have the credit card in my possession If I had agreed for XXXX to do the job, his payments would have been paid by me in increments, once each job had been completed to my satisfaction and not at his discretion.
Sometime during the week of XX/XX/XXXXI contacted Synchrony Bank again and informed them and what the merchant had done and that after dealing with him, I was able to see that he had questionable business practices. Initially, the bank customer representative advised me to try and work it out with the merchant. After I explained in detail what was going on, several, days after my initial call to Synchrony Bank, they finally decided to investigate the matter My fianc and I went to XXXX XXXX and personally informed XXXX and his wife that I wanted the money that he had taken from my card to be returned, and that I did not want then to do any work for me. I also told XXXX that he was stringing me on all along because after reviewing the bank card, it stated that I had three days to cancel the card. XXXX knew this and decided to get the money before I knew what was going on and before I chance to cancel the card.
XXXX said that we had three options : Let him make the monthly payments on the money he had taken.
2.Allow him to do a portion of the work and he would give me {$6000.00} back in cash 3. Or take him to court.
That was the last time I made communication with XXXX XXXX XXXX. However, I did receive a call from Synchrony Bank stating that they were willing to dismiss {$7800.00}, and I would be responsible for the balance. I do not feel I should pay a dime because XXXX XXXX stole the money from the credit card, I did not hire them to do the job, and there was no contract, I thank you for your time and I truly hope that you can assist me with this matter.I would like to submit my phone number, XXXX.
Sincerely, XXXX XXXX
|
| 02/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
-At a paid XXXX XXXX event XX/XX/XXXX-XX/XX/XXXX by XXXX XXXX/Ms. XXXX XXXX, Ms. XXXX moved me ( I was seated, next in line, had been waiting about 45 minutes for her financial staff member to return from her lunch. ) from her financial staff member who completed all other machine transactions successfully. Ms. XXXX moved me across the room next to a merchandise checkout area where her sales staff checked out customer 's other purchases.
-It quickly became obvious Ms. XXXX was not able to successfully complete the transaction. I estimate her attempt at about 45 minutes, from the time I started paying attention, her financial staff member had already checked out the person behind me, then three people who were further down the line and was working on another. I had set my driver 's license, credit cards and checkbook in a row alongside Ms. XXXX 'XXXX computer. We were there so long customers were coming up to ask me to get or put items back on the shelves behind me. Things were not going well.
-I got up to help a XXXX staff lady who was attempting to get a very large box onto a rolling cart. I believe it was at this time that MsXXXX XXXX decided to fraudulently run my credit cards in a " chip to chip '' transaction without my knowledge, permission, agreement, disclosure, merchant 's agreement, customer copy or any other documentation. Ms. XXXX does not have my signature on anything. You will have to ask Ms. XXXX why she did not just simply return me to her financial staff member who could have easily and successfully completed my transaction within normal, standard business practices. Her financial staff member completed all other machine transactions.
-Ms. XXXX opened a {$12000.00} loan with Synchrony bank in my name without any signed documentation, signed disclosures or anything to prove I wanted or intended to use my Synchrony card to pay for this purchase. I had opened the Synchrony card with the help of XXXX 'XXXX financial staff member about two weeks prior to the XXXX because she informed me that there would be special promotions and discounts if I used it at the XXXX. Ms. XXXX could not go over anything and was unable to print anything.
-Ms. XXXX explained that she was unable to print anything out, would forward all documents to me at her shop and we would go over them and complete the transaction in her shop. I have been a customer of XXXX 'XXXX for almost 20 years.
-Due to the ice/snow storm forecast ( included in documents ) Ms. XXXX then requested that I take the machine home with me so she would not have to worry about getting it back to her shop. She stated she had a lot of other merchandise to return to her shop. This certainly seemed like a reasonable request and as Ms. XXXX loaded her machine into the back of my car, she knew she had already fraudulently run my credit cards through without my knowledge or any signed documentation. Much later I learned Ms. XXXX could now claim " intent to purchase '' and that I had " received something of value. '' Ms. XXXX did not disclose any of this to me as she was reassuring me we would meet in her shop to complete everything. Ms. XXXX used safeguards for honest merchants to try and twist her fraudulent actions into something Synchrony Bank could support. WHY not just take me back to her financial staff member to complete the transaction honestly?
-It took until XX/XX/XXXX for Ms. XXXX to finally meet with me. ( I was out of town for 10 days of that period. ) When Ms. XXXX talks about her staff repeatedly having to go over receipts and documents, that is not true. They were calls I was making to finally get a meeting to receive information and complete this transaction. I still did not know at this point that Ms. XXXX had fraudulently used my credit cards and had opened a {$12000.00} loan in Synchrony Bank without my knowledge or any documentation.
XXXX XX/XX/XXXX meeting did not go well. Neither did my follow up. There were no documents or information, only a worksheet I had been given by Ms. XXXX at the XXXX. There was no documentation of any agreed to conditions.
-My daughter is the single mother of XXXX young children and was being treated aggressively for XXXX XXXX. I would not have purchased the machine, but the XXXX Rep and Ms. XXXX agreed to push back the one-year warranty and the one year of lessons on how to put the machine together until XXXX or XXXX. My daughter had her last XXXX on XX/XX/2019.
-On XX/XX/XXXX, Ms. XXXX 'XXXX machine was returned to her shop after she was notified by e-mail twice prior to the drop off. We returned the machine in exactly the same condition Ms. XXXX loaded it into my car.
-***I immediately notified Synchrony Bank . It was my position that Synchrony Bank and Ms. XXXX had no standing to decide how I was going to pay for anything. Certainly not without my knowledge, permission, disclosures, documentation, merchant or customer copies, or my signature. *** -Synchrony Bank has decided that Ms. XXXX 'XXXX altered and forged signature original worksheet is valid and sends it to me in all their correspondence. I send them back both Ms. XXXX 'XXXX altered, forged copy of the worksheet and my UNSIGNED CARBON COPY of the original worksheet. Unfortunately for Ms. XXXX, I kept the only document she gave me at the XXXX. All forms are in the Documents.
-When we returned Ms. XXXX 'XXXX machine to her shop, we opened the machine well within her shop and took photos to prove everything was intact and that we had not opened or used anything. I am XXXX ( an XXXX ) and my husband is XXXX. On XX/XX/XXXX Ms. XXXX wrote " ... dismantled, destroyed, and left your ... .machine at our entry door interrupting our business, along with your disrespectful and threatening remarks. '' ( Letter in Documents ). This letter gives you a small idea of what it is like to try to deal with Ms. XXXX, her ethics and her standard of business practice. Ms. XXXX claims to have video of this event. I authorize everyone to view this video, I would like to see it too. Her letter is complete nonsense. But it shows you Ms. XXXX 's mind set as well as her arrogant and aggressive manner.
- I tried to ask the XXXX Corporation to allow me instead to purchase a machine at the reputable XXXX Dealer ( I have purchased two machines with Synchrony loans and absolutely no issues in the past ) in our area - XXXX. ( XXXX 's is 28 miles away, XXXX is only 5, I wanted to be closer to home. ) I ask that I be allowed to keep the promotional items Ms. XXXX incorrectly claims she gave me - they all came from the XXXX XXXX. XXXX XXXX disagreed and I returned all the promotional items I actually received to Mr. XXXX XXXX at XXXX Corporate Headquarters. Ms. XXXX 's sloppy " receipts '', incorrect and random dating/prices, altered and scribbled out listings on worksheet and Ms. XXXX 's previous behavior made it impossible to have an honest return with her.
-At this point I have no machine, no promotional items and no documentation that I ever agreed to or took out any loan of any type with Synchrony Bank for this machine in Ms. XXXX XXXX possession since XX/XX/2019. All promotional items I actually received and signed for were returned to the XXXX XXXX.
-Synchrony Bank has no documentation, no disclosure given to me, no request for any loan from me, no signature on any merchant copy or credit card slip or anything else, but they continue to allow their business partner to keep Synchrony Bank 's {$12000.00} for her fraudulent and substandard business practices.
|
| 11/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Type of dispute is I am being charged ( with compounded interest ) on an item I returned. See letter below and attached copies of documents explaining my dispute.
I am writing because of a problem we are having with a PayPal order. We ordered an XXXX XXXX about XX/XX/XXXX, from a dealer named online, XXXX XXXX XXXX XXXX. Surprisingly, we did not receive a notice of shipment or even an invoice from them, and still have not.
After waiting to be advised about our shipment for XXXX XXXX, we called XXXX XXXX number XXXX or XXXX times and left messages without response. We also sent an e-mail to XXXX, also without response. Finally, we decided this company might have closed. It was obviously having business problems because of having no live staff to answer or return our calls or e-mails.
On XX/XX/XXXX, we received an e-mail from XXXX saying that we had sent a payment of {$190.00} USD to XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were led to believe that we had bought a XXXX product from the XXXX company on their website, not some XXXX XXXX That PayPal e-mail included a Transaction ID XXXX and a non-identified Invoice ID XXXX. The Transaction document unbelievably acknowledged that the XXXX company was Non-US - Unverified, and that the seller hadnt given PayPal a projected shipping date yet.
Since we could not make contact with this apparent XXXX front for the XXXX company and had no idea when, or if, it would be delivered, we looked for someplace else we could buy one. Still wanting the stand-up walker that XXXX manufactured XXXX we ordered the same model from XXXX on XX/XX/XXXX, as shown below. A few days later, this one was delivered, and we assembled it for use.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days after that, the box from the XXXX dealer in XXXX finally arrived!
We immediately XXXX XXXX requesting a return label and asking them to cancel the PayPal charge. After not receiving a Return Shipping Label and after their failing to answer several more of our phone calls over the next XXXX XXXX XXXX, we sent another e-mail on XX/XX/XXXX. Our email to them said that since you have not cancelled the order, we must return the unopened carton we received with your walker and contest this charge. ( Attachment A. ) My husband took the XXXX box to the local XXXX office on XX/XX/XXXX and asked them to return the merchandise as a refused delivery. The XXXX XXXX said he could not issue a new shipping receipt, because the box would have to be returned to the main XXXXXXXX XXXX XXXX XXXXXXXX to be assigned a new shipping number to prevent it from being redelivered to us, and that XXXX would then return it to the shippers address. Since that return was sent XX/XX/XXXX, before our XXXX return date of purchase on XX/XX/XXXX, we thought we had fulfilled our responsibility.
BUT NO!
Either XXXX never sent the return to the XXXX dealer ( unlikely ), or XXXX did send it, and XXXX never credited our account ( If we ever even had an account with them. After all, we still have not received an account number, a letter, or an e-mail from that company. ), or PayPal paid either XXXX XXXX XXXX XXXX XXXX XXXX XXXX seemed to have been owned by, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, that we knew nothing about at that time ). Since PayPal evidently paid this XXXX - XXXX company for our returned order, they must accept their loss.
Approximately XX/XX/XXXX, we received a hard-copy statement from PayPal, dated XX/XX/XXXX. However, we had still not received the product or a single response from XXXX, even after our calls and left messages inquiring about our shipment.
On XX/XX/XXXX, we contacted XXXX by email to see if they had received the returned walker. They did answer this XXXX email and asked for our order number, which of course we had never received from them. We contacted them again on XX/XX/XXXX asking Have you received my returned XXXX XXXX walker back yet? And, Please cancel the charge on PayPal and bill me for the return shipping. No answer.
Because of several conversations we had explaining the issue to PayPals Collection Department, they sent a letter on XX/XX/XXXX issuing a provisional credit and billing the amount back to the merchant ( Attachment B ). They said that the merchant had the option to provide supporting documentation within the next XXXX billing cycles that credit was not due. Those billing cycles have long since passed, and we have never been provided any such documentation. However, the calls kept coming demanding payment until another offer to investigate our dispute was received dated XX/XX/XXXX ( Attachent C ). This date is long past the XXXX billing cycles deadline. Still, the calls from PayPal/Synchrony keep coming every day. We decided to answer XXXX of the calls and the agent said that a determination had been on the side of the merchant. Again, we have never received any documentation, or even heard about this decision. PayPals letter claimed thar you will receive a response via mail or email notifying you of the resolution of your dispute. This never happened!
Consequently, since no documentation was provided to us ( the customer ) on this issue within the allotted XXXX billing cycles that the merchant had to respond and, since we do not have the product, and took every reasonable effort to return it to the merchant after it was eventually received too late and, since the merchant has not made a reasonable effort to conduct its business fully with the customer by : not providing a reliable means of communication, not supplying an invoice or bill of sale ( or even an order number ), not conducting business by answering its phone, or shipping its product in a timely manner, and since PayPal elected to enter into a business relationship with a Non-US Unverified company, they must accept the consequences. ( If PayPal would have vetted this company before taking them on as a vender, they may have avoided this problem. ) XXXX website now, as of XXXX of XXXX, shows XXXX XXXX XXXX XXXX XXXX XXXX, a different XXXX company. PayPal may not want to admit they sent the payment for Page XXXX our purchase to a risky foreign company from which they can not get their money back for our returned product.
Our past two bills show a Past Due balance and the latest one, XX/XX/XXXX, shows an interest charge plus a {$40.00} Late Fee. We have had an XXXXXXXX XXXX credit score for XXXX XXXX XXXX are quite XXXX XXXX XXXX XXXX by this debacle. Can PayPal prove that the vender provided proper supporting documentation that will stand up in court before the XXXX XXXX XXXX XXXX XXXX Has the vender provided proof that they did not receive our return or made reasonably attempt to locate their box which was scheduled to be returned to them?
We maintain that we owe no money on this issue, and if PayPals harassment continues, we will take whatever response is necessary to stop PayPals abuse. Therefore, as we have explained in many phone calls from PayPals collection department, they have no right to keep harassing us with phone calls and to keep up adding compounded interest on the original amount of a product that was returned.
I am an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have done our best to settle this matter, but to no avail. I am seeking your help because we are not able to pay for a product we do not have.
I would appreciate your help if at all possible. Thank you for your assistance.
|
| 08/17/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Today 's Date : XX/XX/XXXX Wednesday XXXX EST USA CFPB XXXX XXXX-Communication Director XXXX RE : XXXX XXXX/XXXX Credit Card XXXX XXXX XXXX This is the first, complaint letter, I sent to XXXX XXXX . PLEASE, I NEED YOUR HELP. When I call XXXX, they redirect me to XXXX XXXX. XXXX XXXX, is a Nightmare. I hope this letter, will be self explanatory. If not, I will be happy, to email, my documentation. 1st Email Complaint ; XX/XX/XXXX Sunday XXXX EST RE : My Synchrony/XXXX Credit Card Balance CC : CFPB Consumer Financial Protection Bureau Attention ; XXXX XXXX Director CFPB XX/XX/XXXX Statement, My Balance was & {$5800.00} SOMETHING IS WRONG!! I have called XXXX Customer Service MANY TIMES!! Their response, " You Need To Call XXXX XXXX. This weekend, I have called XXXX XXXX, using ( 10 ) different numbers. I even called " XXXX XXXX Fraud Department. '' Hoping someone from that department, could give me the phone number, of the department at Synchrony, that deals with XXXX CUSTOMERS. This RUN AROUND, has got to stop.
I was on the phone Saturday Night, XX/XX/XXXX for ( 4 ) hours. Still NO HELP. I have copies of all my " XXXX XXXX '' orders. I check off each charge, when I received my monthly statements. Once the one through five or six XXXX XXXX are met, this item is paid for. IS THIS CORRECT?? Now, according to my records, I have ( 12 ) items, I still owe for. With a remaining balance of {$220.00}. The Last XXXX XXXX, will be XX/XX/XXXX. My payments, have NEVER BEEN LATE!! My Payments Are Always Over The Minimum Due. i.e. Payments from {$100.00} to {$270.00}. So, please explain my balance. When I received the letter from XXXX, stating XXXX XXXX would be taking care, of credit card. I XXXX XXXX XXXX, NOT GOOD!! Lots of bad reviews. Then when I saw, " THE LIST '' of other accounts you take care of ... My first thought, there 's some type of " MONOPOLY, '' Going On. I do not care if XXXX XXXX have assets of {$39.00} XXXX or more. HOW CAN ONE BANK HAVE THIS MUCH POWER?? Recently, two of my other credit cards, have gone with XXXX XXXX. I AM NOT HAPPY!! I HAVE ALL OF MY INFO ; 1. Copies of Each Order, with their XXXX XXXX checked off, once they are PAID IN FULL!! Once I reach the last XXXX XXXX, according to my monthly statements from " XXXX XXXX. '' 2. Documentation of ALL OF MONTHLY PAYMENTS!! If I had the CEO phone number, I would have call her, Saturday night. Please, direct me to the " ACCOUNT MANAGER, who deals with XXXX. Also, I DO NOT Like XXXX XXXX/XXXX website. It was NO HELP. Every time a phone call, is made to check the consumers credit scores, before making a purchase. ALL OF THESE PHONE CALLS ARE NOTED ON THEIR CREDIT FILE. I HAVE GOOD CREDIT. AND I WANT IT TO STAY THAT WAY!! I WILL BE WAITING FOR A REPLY, regarding my issue. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Today 's Date ; XX/XX/XXXX 2nd Email Complaint XXXX Attention ; XXXX XXXX Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Ext XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : XXXX Cc : XXXX, XXXX XX/XX/XXXX Friday XXXX EST Attention ; XXXX XXXX Hi XXXX , Hope your day is going well. I left you voice message about thirty minutes, ago. I am emailing you, My XXXX Payment Schedule. Account Balance : {$160.00} I DO NOT OWE, for any new orders. I will NOT be placing any new orders with XXXX. Once this balance issue, is finally resolved. That XXXX Card, will be cut up!! I never had an issue with XXXX. Until XXXX XXXX, came into the picture. Sorry, I have two other cards, that XXXX XXXX has taken over. These credit cards, I have had since the XXXX. I sent a payment to XXXX, for {$300.00}. I made this payment on, XX/XX/XXXX. The payment was deducted from my bank on XX/XX/XXXX. XXXX received it on the date it was due, which was XX/XX/XXXX. XXXX Authorization Department, has called me EVERYDAY THIS WEEK!! They are trying to charge my account for the last few XXXX XXXX Due. ( See My XXXX Payment Schedule ). My payments due are being DENIED!! There goes my FICO Score!! Due to the {$5800.00}, Over Limit!! Again, I DO NOT KNOW how XXXX XXXX came up with this balance. XXXX, is the XXXX supervisor, I spoke with last week and today. She tells me, that she can not get on XXXXto look at my balance. She can not call XXXX XXXX due to it being a Third Party Bank. Sounds like these poor girls are just trying to do their jobs. But they are stuck in the middle, kind of, like the consumer!! Sounds like poor communication. If you look, at my XXXX XXXX Schedule ; At this time, these are the items to my XXXX XXXX XXXX CARD # 1 Item XXXX XXXX XXXX XXXX {$6.00} 5th Payment of a Total of ( 6 ) XXXX XXXX # 2 Item XXXX XXXX XXXX {$9.00} 5th Payment of a Total of ( 6 ) XXXX XXXX # 3 Item XXXX XXXX XXXX {$3.00} 5th Payment of a Total of ( 6 ) XXXX XXXX {$4.00} Item XXXX XXXX XXXX {$3.00} 5th Payment of a Total of ( 6 ) XXXX XXXX Total : {$24.00} I have twelve items that will be PAID IN FULL, next month. They are the ones with ( 6 ) XXXX XXXX. My last purchase in XX/XX/XXXX, XXXX XXXX has ( 3 ) XXXX XXXX Pending. The XXXX XXXX, will be paid in full, XX/XX/XXXX. Once all purchases are Paid In Full. Please, explain the {$6000.00} balance?? XXXX, I do not know what is going on. But if it takes me sending all of my documentation, which is about two large binders full, plus more.I have NO problems, with that. I made my first purchase with XXXX in XXXX. I used my personal cards. In XXXX, I requested a XXXX, now XXXX Credit Card. I am requesting XXXX XXXX, to please provide me with, My Account Breakdown. 1. Starting from XX/XX/XXXXuntil the Present Date I can not get the XXXX & XX/XX/XXXXstatements, from XXXX I have the original, but it would be nice, for my records. 2. All of My Payments, be it from my own personal accounts, Or XXXX Account, XXXX XXXX XXXX Account 3. Do you see any late charges/fees?? My records shows 0 4. Where did all of this interest charges come from?? 5. What is Balance Method = 2D.?? This is from XXXX How Do XXXX Work? XXXX EligibilityXXXX orders may be subject to credit approval by XXXX and XXXX reserves the right to review credit reports to qualify customers for XXXX. If an inquiry is made by XXXX, it will show on the customer 's credit report. Failure to pay XXXX on time may restrict the use of XXXX on future orders. XXXX is unable to accept prepaid cards on XXXX order XXXX makes shopping with XXXX convenient and affordable. It is a payment option that allows purchases on a credit card, XXXX, or XXXX Card over a period of several months. At checkout, choose the XXXX option when available. The first payment, plus applicable shipping/handling and tax will be charged to your payment method when the item ( s ) is shipped. The remaining payments will be charged every 30 days from the ship date to the same payment method as your original order, unless you update your payment method. Multiple XXXXPayments, due on the same day, may be combined and charged in one transaction. Billing dates for future XXXX can not be changed ; however, customers may request to pay earlier than scheduled. XXXX DOES NOT ASSESSES INTEREST CHARGES ON XXXX XXXX PURCHASES!! Use of XXXX on your credit card could result in interest charges from your financial institution based on the terms and conditions of your specific credit card agreement.
|
| 10/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
Synchrony Bank has made a mess of my account since XX/XX/XXXX. {$1600.00} will not make or break me, but to pay for a debt I did not incur, that Synchrony repeatedly admits is their error, yet refuses to correct, is unacceptable. Six months of chats online, live phone calls to call centers through their customer service line, phone calls to their Dispute office, follow up eLetters from Synchrony Bank, supposedly confirming my issue has been resolved, while both these letters and the monthly statements show nothing has been done to correct it, and finally, phone calls from a man named XXXX ( no last name given ), claiming to be a Senior Operations Manager for Synchrony, who confirmed what I have listed as owing to Synchrony, is correct ; that he can see exactly what happened and assured me he would have it corrected; and stating that Synchrony had made the error.
XX/XX/XXXX, last payment on an interest free promotional purchase. Balance {$0.00}. XXXX Statement confirms this.
XX/XX/XXXX, we purchased {$1600.00} worth of lumber from XXXX XXXXXXXX XXXX XXXXXXXX in XXXX, OK. The sales associate made a mistake entering it as six-month promotional purchase instead of the 12 month we were entitled to as Synchrony Account members.
o A manager at the store immediately called Synchrony for assistance. I was standing right there. Synchrony assured the store since the payment had just occurred, just refund and re-charge putting it on the 12-month promotional purchase plan. That was done.
XX/XX/XXXX we came back to the same store to purchase an additional {$1000.00} worth of lumber which was put on the 12 month promotional purchase plan correctly. That made my total owed to Synchrony Bank {$2700.00}. Final interest free balance to be due XX/XX/XXXX.
No further charges have been made to this credit card. None. And that is key here.
No payment was due in XXXX, but being proactive, I made a {$200.00} payment to be ahead.
XX/XX/XXXX statement showed their first error.
o They show that {$1600.00} was credited back, yet {$1600.00} is listed on this statement three times. As three separate sales.
o Add up the Promotional Purchase Summary on the first page of the statement to get {$2700.00} as total owed, which is correct. Yet New Balance claims we owe {$4100.00} which is an overage of {$1400.00}.
o The {$200.00} payment reflected? They allocated that to the {$1600.00} that was supposed to be credited back, hence the {$1400.00} balance reflected.
XX/XX/XXXX we made a {$250.00} payment to stay on time, but had already spoken via Chat with a Synchrony associate, who assured me they saw the error and it would be corrected in one to two billing cycles that phrase has become a joke to us.
o The XXXX {$250.00} payment we made was also allocated to the {$1600.00} that was supposedly credited back to us. Total of {$450.00} not allocated on future statements.
o XX/XX/XXXX statement continues the same incorrect information and amount owed.
o Another chat with a Synchrony associate assures me they see the error and will get it fixed.
o XXXX XX/XX/XXXX, I received a secure message ( all of the eLetters are attached in the file named simply Synchrony eLetters ) from the bank stating that the {$1600.00} credit was applied, yet the balance was incorrectly stated as {$3600.00} on this letter, and again it would take one to two billing cycles to be reflected in my account.
Having had enough at this point, I called Synchrony Dispute office. They told me they would get it resolved. They agreed this was taking too long. Three months at this point. Inconceivable.
o Two days later, I get a call from the lumber company where wed spent the {$1600.00}. They told me they were sending me a check for {$1600.00} as a refund. I was stunned! They didnt owe me a XXXX! To accept that check would mean we were dishonest and willing to essentially steal product we knew we had purchased just to clear up Synchrony Banks errors. I called Dispute back and said as much. They assured me they would drop the dispute with the lumber yard and get my account corrected.
o XXXX XX/XX/XXXX, I received another letter claiming they had resolved the issue and I would see the correction. You guessed it. In one to two billing cycles. BUT this letter still showed an incorrect balance due of {$3600.00}!
XX/XX/XXXX statement continues the erroneous information. Yet we continue to make our $ 250 monthly payments expecting to be fully paid off by the due date of XX/XX/XXXX to avoid interest. The {$250.00} payments are being applied correctly, yet no one has reallocated the {$450.00} paid in XXXX and XXXX, to the correct promotional purchase. So, the individual promotional purchase balances also continue to be incorrect.
XX/XX/XXXX statement is incorrect, and my live calls are now just telling me to be patient. This will be corrected by the XXXX statement. I even received another letter telling me one to two billing cycles. So, I wait, impatiently, but I do wait.
XX/XX/XXXX statement comes out and is still incorrect. As my spreadsheet ( Synchrony Activity Dispute.xls ) will reflect, we know we only owe {$1500.00} as of the XXXX payment due date. However, because of the on-going erroneous activities of Synchrony Bank , the statement shows we owe {$3200.00}. And, the bank has now added a random fee, not reflected in the statement, of {$30.00}.
o I XXXX Synchrony Bank home office for a phone number at the home office in XXXX CT and make a call. After 24 hours, I hear from a man named XXXX, who claimed to be a Senior Operations Manager. He stated he had reviewed the files and saw that I was correct. We only owed {$1500.00} ( after he adjusted for the {$30.00} fee that he called an interest payment that had been included on his end ), and would get it fixed in a day or XXXX. That was on Wednesday, XX/XX/XXXX. He asked for a few more days and assured me he would call me to keep me updated. I asked him if he saw how many times I had called or chatted with their associates. He said he had, and five months ( at that point ) was unacceptable.
o XX/XX/XXXX he called just to tell me he was on the problem and expected resolution.
o XX/XX/XXXX he called to update me stating this was just a bit more difficult than expected, because of the overage amount Synchrony had incorrectly been claiming we owed. He needed a few more days. I agreed.
o But then, it was XX/XX/XXXX, late in the day and no word from XXXX. Amazingly, on XX/XX/XXXX, I had received yet another ridiculous letter telling me this would be resolved in one to two billing cycles.
On Monday, XX/XX/XXXX I sent a complaint to the XXXX XXXX XXXX in Connecticut, who sent it to the Ohio XXXX because they couldnt find the home office in CT. I heard from XXXX again on XX/XX/XXXX claiming he had escalated this further.
Statements are consistently higher than we know the amount due to be. We worry and fret and agonize over waiting for the correction, because when we pay off what WE know we owe, come spring of XXXX and stop making payments, Synchrony Bank will likely report me to the credit bureaus for missed payments and my credit will tank, which will take months, if not years to correct.
I paid our regular {$250.00} on XX/XX/XXXX, which brought our balance owed, down to {$1200.00} ( reflected on the spreadsheet Synchrony Activity Dispute ). But will the XX/XX/XXXX statement reflect this?
|
| 07/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I was billed XXXX by a company called " XXXX XXXX '' based out of XXXX, XXXX. I do not, and have never had, any business with this company ... I do not have children and I have no need for math tutoring.
I called the company providing my XXXX XXXX XXXX XXXX XXXX, Synchrony Bank. They cancelled my credit card number and issued me a new card. I had believed that this issue was resolved.
On XX/XX/XXXX, I was billed again for {$14.00} by " XXXX XXXX ''. I contacted XXXX and explained that the number was cancelled and inquired as to how this company could have gotten my new number. I spoke to 2 people who did not understand why this was a problem. I finally got transferred to a Supervisor who apologized and issued a credit for my trouble, and filed a dispute on my behalf for the charge. On XX/XX/XXXX, I was officially refunded for this fraudulent charge.
On XX/XX/XXXX, I was billed again for {$14.00} by " XXXX XXXX ''. Synchrony issued me a credit for this charge ... then I was RE-BILLED {$14.00} by " XXXX XXXX ''. I contacted Synchrony Bank on XX/XX/XXXX, explaining that I had disputed this charge already more than once and been issued credits, yet this company was still billing my card even after my card was cancelled. I requested that they prevent this company from further charging my card, as I had no further business with them. The rep I spoke to simply wanted to dispute the charge ... since that had not resolved the issue the first two times, I asked to be escalated to a supervisor.
I spoke to a supervisor, Employee ID XXXX. They informed me that the " RE-BILL '' was actually Synchrony correcting an over-refund. They informed me that previous disputes were found in my favor and I should not have this issue again.
On XX/XX/XXXX, I was billed again for {$14.00} by " XXXX XXXX ''. I called Synchrony Bank on XX/XX/XXXX. The rep I spoke to ( " XXXX '' ) told me that Synchrony had provided my NEW credit card number to the fraudulent charger. I explained to him that this was not appropriate, and he proceeded to accuse me of providing credentials to the company in XXXX. I explained I had NEVER had ANY communication with this company. " XXXX '' wanted to dispute the charge again ... that had not worked the previous 3 times, so I asked to be escalated to a manager.
The " manager '' he transferred me to told me that I would need to talk to " Fraud ''. I explained that I HAD ASKED to be transferred to Fraud ... so I was transferred again.
They then put me in touch with an " Account XXXX '', who tried to tell me that because this was a recurring charge, the bank had NO AUTHORITY to stop them from fraudulently charging my account. I informed them that this was unacceptable and expressed my concern that Synchrony Bank was allowing fraudsters to charge customers ' credit cards with no recourse.
The " Account Specialist '' suggested that I contact the merchant. I explained that I had never had ANY contact with this merchant ... if an account was open with them, it was not under my name, I had no means of providing them with my identity outside of providing personal information, I had no way of verifying that this overseas entity even IS a legitimate company, and if I spoke to them I would then not be able to make the statement that I HAD NEVER communicated with this company in ANY way. I again asked that Synchrony Bank stop this company from charging my card.
I was transferred again to a somewhat arrogant-sounding " specialist '' named " XXXX '' ( XXXX ID XXXX ) who informed me that previous disputes filed were filed as one-time disputes, that she would file a " recurring charge dispute ''. I asked her why the previous disputes were not for a " recurring charge '' ... she informed me somewhat haughtily that it was because SHE didn't handle them. She said my issue would be resolved within 1-2 billing cycles. I was issued a credit by Synchrony Bank and received a letter stating, as with prior disputes, that the issue was resolved in my favor. I assumed again that this situation was resolved.
On XX/XX/XXXX, I was billed again for {$14.00} by " XXXX XXXX ''. Having had no resolution from my previous 4 calls to Synchrony customer service, I reached out to Synchrony.com/contact-us hoping to reach someone at Synchrony corporate.
On XX/XX/XXXX, I was contacted by a woman named " XXXX '' ( XXXX ) and given an issue number " XXXX ''. I proceeded to tell " XXXX '' everything that I have written above. " XXXX '' agreed with me that it was absurd for the bank to have forwarded my new credit card number to the fraudulent merchant after cancelling the old one for fraud, and told me she would reach out to the fraud department and I would hear back from her within one week.
On XX/XX/XXXX, after not hearing back from " XXXX '', I called the number above again and spoke to XXXX again. She told me she had NOT heard back from the fraud department but gave me her personal extension ( XXXX x XXXX ) and told me she would reach out to Fraud again.
On XX/XX/XXXX, XXXX called me to inform me that I needed to call XXXX XXXX and request that my subscription be cancelled, acting as though I had never explained this entire situation to her. She seemed surprised that I had not started a subscription with this company and was shocked to learn that I don't have children. She agreed once again that it was extremely unusual for the merchant to continue charging my card after it had been cancelled for Fraud, and told me she would reach out to Fraud again.
At this point, I reached out to XXXX XXXX XXXX customer service to see if they could advocate for me on my behalf ... they informed me that they simply sell the rights to use their name to the credit card company and I would have to deal with Synchrony 's customer service. I explained to them that I had done that SEVERAL times and asked to be escalated to a manager. That manager transferred me to XXXX customer service, so I hung up.
On XX/XX/XXXX, I received a call from " XXXX '' at Synchrony 's Fraud Department. ( XXXX ) Like the previous half-dozen representatives, he suggested that I should call the fraudulent charger directly and ask them to stop charging my card. I explained to him why that was impractical. He explained to me that Synchrony Bank has NO way of stopping fraudulent charges against my credit card, and that my only option, other than calling the fraudster and requesting that they stop charging me was to close my account. I explained to him that I had no account with the company and could not even verify my identity to them, let alone request that they stop charging my card without providing the company with personally identifiable information to verify my identity, and could not even verify that the company was legitimate. He informed me that he had done a XXXX search on the company and that it looked legitimate. I informed him that a XXXX search did not constitute an adequate fraud investigation.
I asked if they had tried to reverse these fraudulent charges ... he informed me that Synchrony had NOT done so, but could NOT explain why not, citing some unknown " rules and policies ''.
I informed me that I would be reaching out to the CFPB regarding this matter ... he seemed unfazed.
I called " XXXX '' back and asked her to confirm this position. I have not received a return call.
|
| 10/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Complaint XXXX about XXXXXXXX XXXX Care credit. to remove their account from my Credit report/ I received credit reports from XXXX and from XXXX monthly.
This is regarding Credit Report # XXXX for XX/XX/XXXX from XXXX.
On page 8 of 12, of the report, there is an information entry by XXXX/CARE CREDIT, Partial account XXXX ... ..
I opened this CARE CREDIt account in XX/XX/XXXX to my best memory and IAW Credit Report XXXX dated XX/XX/XXXX ( XXXX ).
I opened this account because I had a medical emergency dental procedure, a XXXX actually, at the XXXX, XXXX, in Washington DC, XXXX XXXX site.I run out of money, and Doctors office offered to me to open an account with CARE CREDIT in Florida. The APR INterest rate to my best memory was very high about 30 % or more.
But I needed to pay for doctors and I accepted the offer and applied and received CARE CREDIT card with high interest rate ( to pay for my MEDICAL BILL ).
However, I do remember when I was driving from my storage in XXXX, VA, and stopped at the XXXXXXXX XXXX, VA, on parking lot, and made my last payment to CARE CREDIT in XX/XX/XXXX. I also told to the CARE CREDIT that I want to close this account. ANd this is it, I can not afford no more to have no credit cards.
In XXXX in XXXX, I placed my condo in D.C. for sale. The Recession started in XX/XX/XXXX. My house, my home, condo, could not sell. It went to SHORT SALE, because value dropped from {$640000.00} to {$300.00} XXXX ... and I was in HORROR what is happening.
I also lost all my money and job. XXXX XXXX filed for a FORECLOSURE on my home, But I filed for Bankruptcy Chapter XXXX with attorney XXXX on XXXX XX/XX/XXXX.
Attorney XXXX reported all my credit cards in the bankruptcy, But Care Credit was not reported to be included in the bankruptcy Chapter XXXX to stop foreclosure. I do remember that I PAID it off, and I closed it in XX/XX/XXXX.
Moving forward : Fast forward.
Yesterday I received XXXX report, I checked again all the entries. I saw an entry by XXXX Care CRedit Partial account number XXXX XXXX XXXX ...
I see this account all the time. And i called to XXXXXXXX XXXX Care Credit in XXXX - about to remove this entry because it is in GOOD standing but hanging there ... for no reason.
I did not understand that GOOD CREDIT will be in my credit report for 10 years.
So when I rec. credit rep. from XXXX yesterday, XX/XX/XXXX, I called today again in XXXX/CARE CREDIT at # XXXX to check the status of XXXX to stop report this " good '' credit to credit reports companies? I called XXXX.I spoke with XXXX. XXXX asked for my Social Security Number, because I dont have account number no more.
I gave it to her ( SSAN ), and date of birth, and address in Washington DC and phone number. XXXX found something about me. She said that she must transfer me to another department.I asked her ; what is the name of another department? She said it is BANKRUPTCY DEPARTMENT. I said to XXXXn that this account was never been included in BANKRUPTCY and it was paid in full by me in XX/XX/XXXX! ( UNLESS TRUSTEE for the bankruptcy decided to include this paid off account in the bankruptcy in order to increase the volume of the bankruptcy accounts. But in XXXX when I called to XXXX CARE CREDIT, I was told that it is Good account, in good ending, and will fell off in XXXX.I was not told in XXXX that my account is in BAD standing in BANKRUPTCY and this is why it will be on the record FOREVER!!! ) It is my understanding that BAD accounts will be on the Credit Report for 7 years. And Good accounts will be on the Credit Report for 10 years. And this was told to me in XXXX by XXXX XXXX, CARE CREDIT agent, she told me that this account is GOOD ending account and will be removed in XXXX after 10 years of GOOD credit reporting. BUT today I suddenly found out that XXXX XXXX Care Credit, who offered and gave me this card with 30 or 33 % RATE, in XXXX, -- moved this my record in BANKRUPTCY DEPARTMENT!!!!!
I was in bankruptcy CHAPTER XXXX to Stop FORECLOSURE, fighting for my HOME and existence for 5 years!!! -- and it was painful. It all flash backed to me again today.
THUS, XXXX of XXXX XXXX Care Credit told me that I must call to BANKRUPTCY Department to collect DEBT, amd that my account is a BANKRUPTCy account to collect debt ( my XXXX card XXXX XXXX/CARE CREDIT medical cards. ) # XXXX, XXXX could not transfer me internally to BANKRUPTCY department.I called XXXX, ext, # XXXX, Ext # XXXX ( all others ).
I spoke with XXXX Agent Employee ID # XXXX at ca. XXXX XXXX. ( approx ) XXXX Employee ID # XXXX asked and received again my Social Security number, Date of Birth, Tel Number, last 4 XXXX, and address where I live now.I told to XXXX that I opened that card in XX/XX/XXXX. I closed it in XX/XX/XXXX. The highest was {$250.00}. And it was paid off and closed IT was medical expense. It was NOT included in bankruptcy Chapter XXXX to stop foreclosure. He could not locate my account. He said that I must speak with another department. XXXX said that my account is in INTERNAL DEPARTMENT of XXXX XXXX CARE CREDIT.
XXXX said that he can not do anything and he transferred me to number XXXX, XXXXNTERNAL DEPARTMENT. ( I dont understand what it means ).
I called to XXXX, spoke with XXXX of XXXX/CARE CREDIT Internal department at XXXX XXXX ( approx ).
XXXX asked me for last four of SSN, DOB, PHONE # ( I remembered that in XXXX I maybe had number XXXX. Maybe not. But I gave it to her, in addition to current phone number which ends with XXXX. ) XXXX could not locate me nor my account.
I asked her to explain to me why my account is declared by XXXXXXXX XXXX as bankruptcy account to collect debt? and if it is so, then it should be on the credit report for 7 years not for 10 years. She did not answer. I asked her to remove please this account which they keep on my credit report as BAD account and overtime- 3 years overtime, if they consider it a BAD debt collection account what it is not!
She did not answer. After a while second later, i called her name XXXX, XXXX, she did not answer. To my best understanding the phone dropped died, and i was talking to myself.
This is why I am upset about what is happening : if it is account in bad standing, then there are time limitation for this account to be on the record ( credit rep ).
But it was NOT in Bankruptcy yet I was treated like a criminal -- for asking to remove this record from my credit report because they told me that it is a BANKRUPTCy Account and then I called to 1. XXXX, 2. XXXX, 3 XXXX.
For your information : In ca. XX/XX/XXXX, my old XXXX XXXX needed a new Transmission. And Transmission car repair co. in DMV area, had a XXXXXXXX XXXX offer for a credit card for to repair transmission. I applied in XX/XX/XXXX for XXXXXXXX XXXX for new Transmission.I was approved by XXXX XXXX for a credit in amount of {$500.00}. Attached is a copy of the card. I never used the credit card for TRANSMISSION repair, because i bought a new car under WARRANTY of Manufacturer. AndI closed XXXX XXXX account credit card in XXXX in XXXX XXXX. I never used it and I closed it. IF I was so much on the BAD LIST of the XXXXXXXX XXXX -- that XXXX and XXXX and XXXX referred me to Bankruptcy Internal Bad credit department -- then why XXXX XXXX offered to me a new credit card in XXXX and gave me credit {$500.00}?
I did not use it, and closed it.
|
| 10/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
|
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Synchrony Financial, issuer of the Synchrony Car Care credit card, has been charging me {$2.00} monthly fees for " MONTHLY INTEREST CHARGE PURCHASES ''.
When I call up Synchrony Customer Service each month to complain, they admit that I should not have been charged the {$2.00} fee, because that fee is only supposed to be imposed if I am carrying a NON-PROMOTIONAL BALANCE, which I am not.
So each month I call, and they refund the {$2.00} fee, and they say it will stop, but the next month I am charged the fee again.
This is a scam, because the fee started to be imposed about 5 months ago when, for the only time in all the years I have had this credit card, I made two purchases of gasoline with the credit card, in response to a special promotion Synchrony heavily advertised informing existing card holders that they could now get cash back by using the credit card to purchase gas ( as opposed to car care services, for which promotional deferred financing is offered ).
At the time I made the gas purchase, I call Synchrony customer service and determined that in order to avoid any finance charges, I needed to pay the entire gasoline purchase balance in full by the next monthly due date, which I DID DO. But ever since then, I have had these {$2.00} fees imposed each month, and then when I call Synchrony customer service, they refund the {$2.00}.
If I were a less alert customer, I would have by now had at least {$10.00} of fees assessed ( but not refunded ) to me.
On XX/XX/XXXX, I spoke to an account manager at Synchrony Financial customer service, who investigated my account, and came to the conclusion that because back in XX/XX/XXXX and XX/XX/XXXX, I purchased a total of about {$82.00} in gasoline using the credit card, because that was a non-promotional purchase, ALL of my monthly payments were allocated FIRST to paying of promotional balances, so NONE of my payments went to paying for the gasoline ( non-promotional purchase ).
This is a scam because NONE of the extensive advertising that Synchrony has done through the U.S. mail, email and in my monthly statements which heavily promotes using the card to purchase gasoline mentions that there will be a {$2.00} fee imposed each month until ALL promotional balances have been paid in full so that subsequent payments can be allocated to the gas ( non-promotional ) balance.
My understanding of federal credit card law is that when a consumer makes a monthly payment larger than the minimum payment due, the amount of the " overpayment '' must be allocated FIRST to the lowest-interest balance category, NOT the highest-interest balance category. Synchrony Bank seems to have found a loophole in the law because the {$2.00} fee is not an " interest charge '' but a fee, so they think they can get away with this hidden fee, or because the promotional purchase balance and the non-promotional purchase balance is subject to the SAME interest rate ( neither is higher or lower than the other ), so the bank seems to have discretion about how to allocate the payment.
After many minutes of being on hold today, the Synchrony customer service manager explained that if I made an extra payment today of {$49.00}, this could be manually allocated by him to pay off the {$49.00} gasoline purchase balance remaining on my account.
He explained that when I made the extra over payments, back in XX/XX/XXXX and XX/XX/XXXX, to pay off the gasoline ( non-promotional ) balance, those extra payments were allocated to the promotional balance which was next due to expire, rather than to the gasoline, even though customer service representatives at the time I made those extra payments assured me that those extra payments would be allocated to the non-promotional balance.
The manager I spoke to today said that payments will only be allocated to the non-promotional balance if I had explicitly asked a customer service rep to do this and it could take one to two billing cycles for the adjustment to be reflected on my account.
So, in essence, today the manager admitted that unless a customer takes the extraordinary action of explicitly asking a customer service rep to manually reallocate a payment to go towards the non-promotional balance, there is no way to ever pay off any non-promotional balance until ALL outstanding promotional balances have been paid off.
While the promotional balances for Synchrony Car Care credit cards carry a hefty interest rate, and that interest is accrued from the date of purchase, that interest is only ever actually CHARGED to the customer if the customer does not make each and every monthly minimum payment on time and if the entire promotional balance is not paid off by the promotion expiration date. Synchrony Bank has gotten in trouble with credit card regulators before for not adequately warning its consumers about how this deferred interest scheme works. While I am happy to report that, because of the current federal credit card consumer protection laws, Synchrony Bank now does do an adequate ( even decent ) job of reminding its consumers about how deferred interest works, and even reminding consumers when each promotional balance is about to expire, IN CONTRAST Synchrony seems to have found a new darker corner of credit card law, in the way that they induce ( through heavy advertising and 1 % or 3 % back ) their customers to use the Synchrony Car Care card to purchase gasoline, without warning them that the ONLY way to every pay for those non-promotional gasoline purchases before the very last penny of ALL promotional purchases have been paid off is to explicitly call Synchrony customer service and ask a customer service rep to manually reallocate a payment the customer had just made.
Furthermore, until I spoke to this Synchrony manager today and had this ( eventually ) explained to me, all of the Synchrony customer service reps I have spoken to once or twice a month for the past 5 months have given me INCORRECT information, claiming 1 : If I made a monthly payment in excess of the minimum due, the excess would be allocated to the gasoline ( non-promotional ) purchase 2. That the {$2.00} MINIMUM INTEREST FEE was an error on the Bank 's part so they refunded it Today 's information from the Synchrony manager contradicts what those earlier customer service reps told me.
So this is a combination of a Bank scamming its customers, and then the customer service department either lying or being incompetent when it comes to resolving reported problems.
While today I believe I have FINALLY ( after 5 months ) been able to resolve my individual, personal, specific problem with Synchrony Bank, I fear that thousands of other consumers are being taken advantage of through their inattentiveness or ignorance.
I feel that Synchrony Bank should 1. Ideally, automatically allocate overpayments to NON-promotional balances first 2. Or, less ideally, modify their web site so that the consumer has the OPTION of controlling how overpayments are allocated 3. Or, less ideally, be required to adequately WARN consumers of their tricky practices so consumers are adequately informed so that they can either avoid buying gas in the first place, or else perform the tedious steps to avoid being charged interest on those gas purchases UNTIL THEY HAVE PAID OFF THE VERY LAST PENNY of their promotional balances.
|
| 01/20/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
On XX/XX/XXXX, I purchased a mattress at Mattress Firm through Synchrony Bank financing for XXXX. I got charged I tried to set up an account to set up automatic payments, but could never do so. Having a previous Synchrony Bank card, I was hoping to tie the same user name with this account. It never rejected it by saying not a valid user name and only kept giving me errors, so I could never register for an account. After XXXX MONTHS of trying to register, it FINALLY said user name not available. So, I had to make a new one. However, I had XXXX months where I was late on my payments and had late payment fees. I immediately contacted them through chat once I got my account set up, and they advised me they couldn't help me. So, I messaged the Customer Service XXXX through the account and they refunded XXXX of the late fees. I wrote back and asked for the other one and the interest that was added to be refunded. They went ahead and refunded the second late fee, but REFUSED to refund the interest. Even though it is just {$2.00} in interest, it is a LIE that it's a XXXX INTEREST IF PAID IN FULL promotion, so NO INTEREST should have EVER been added, period. Synchrony Bank claims it's in their terms and conditions. Well, they are known to be sly and sneak stuff in there, knowing full well, we can't read all of their terms and conditions and agree to them. To top that off, they are doing nothing but predatory lending. This is a BLATANT LIE and a perfect example of predatory lending when it's a XXXX INTEREST IF PAID IN FULL PROMOTION.
Synchrony Bank is nothing but trouble and it needs to have a federal investigation launched against them for predatory lending practices and taking advantage of people, knowing full well that they will get caught with checking the " I agree '' box to the terms and conditions, that have not been read because it's so much and overwhelming to the average person.
From : XXXX XXXX To : Customer Service XX/XX/XXXX XXXX EST Reply I will be filing a formal complaint with the XXXX and other consumer protection agencies, as this is predatory lending, and I CLEARLY stated what happened and how there were errors on YOUR end for me not being able to set up an account to do automatic payments so I wouldn't run into this issue. Synchrony Bank is nothing but predatory lenders and they continue to prove that. Thank you for refunding the late fees, but I will no longer be doing ANY business with Synchrony Bank from now on and will be sharing my experiences with Synchrony Bank and to AVOID you at all costs. I truly hope a XXXX investigation is launched against this horrible " bank ''.
From : Customer Service To : XXXX XXXX XX/XX/XXXX XXXX EST HelloSuz, Thank you for your recent inquiry regarding your Synchrony Bank account. We appreciate your message and the opportunity to be of service to you today.
We appreciate you contacting us about your fee waiver request. Let me help you!
The XXXX late fees on your account were part of your regular balance which caused interest on your account.
No worries! We are crediting your account for fees in the amount ( XXXX ) shown below.You will see the credit applied to your account within the XXXX hours.
Late Payment Fee ( XXXX ) : {$30.00} On the other hand, after reviewing your account, we are unable to fulfill your request to remove the interest. Information about how the interest charges and late payment fees are assessed, and how those fees XXXX be avoided, can be found in your cardholder agreement as well as the XXXX XXXX section on your statement.
I'm sorry our response could not be more favorable at this time.
Thank you for contacting us and allowing us to address your concerns. If you have any questions or if we XXXX be of further assistance in the future, please contact us via the XXXX XXXX XXXX or at XXXX. We value the opportunity to assist you and appreciate your feedback.
Sincerely, XXXX Customer Service Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX '' XXXX Received : XX/XX/XXXX XXXX PM EST To : XXXX Subject : RE : Billing Inquiries Thank you. Is there any way to get the {$31.00} refunded also? So, the {$2.00} minimum interest is because of the late fees, correct? I am setting up automatic payments now that I was finally able to set up an account. So I wont ' have to worry about that. I am calculating to ensure that I pay off my balance by the end. Thank you. Respectfully, XXXX From : Customer Service To : XXXX XXXX XX/XX/XXXX XXXX EST Hello XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account. We appreciate your message and the opportunity to be of service to you today.
We apologize for the delay in our response. Your inquiry is important to us.
Your account balance consists of both promotional and non-promotional balance.
You XXXX avoid interest on any non-deferred purchases by adding the amount of New/ Non-promotional Purchases to the XXXX Required Payment from your statement and sending that amount as payment.
As of today 's date, your non-promotional balance is {$43.00}, on which interest charges are still applicable.
Thank you for the information you provided. We are crediting your account for fees in the amount ( XXXX ) shown below. You will see the credit applied to your account within XXXX business days.
Please be advised your minimum payment will not change.The total minimum payment due is the total of any past due amounts and current minimum payment. The totalminimum payment amount must be paid by the payment due date of XX/XX/XXXX in order to avoidlate fees andto keep your account in good standing.
Late Payment Fee ( XXXX ) : {$41.00} We can certainly understand your frustration with the events that have transpired and the amount of effort you have applied in trying to have this situation corrected. Please accept our apology for any inconvenience, which you have experienced.
For further assistance, please reach out to our Customer Care Team XXXX.
Thank you for contacting us and allowing us to address your concerns. If you have any questions or if we XXXX be of further assistance in the future, please contact us via the XXXX XXXX XXXX or at XXXX. We value the opportunity to assist you and appreciate your feedback.
Sincerely, XXXX XXXX.
Customer Service Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX '' XXXX Received : XX/XX/XXXX XXXX PM EST To : XXXX Subject : Billing Inquiries Hi, So, chat was useless and they said they couldn't resolve my issue, which I find extremely confusing and rude. So, hopefully this will work. XXXX ) I wasn't able to register my account for XXXX MONTHS. I FINALLY was able to get registered tonight. So, I missed payments and had late fees posted. Is there any way you could refund those as a courtesy, since I wasn't able to get this account set up? It kept giving me some type of error and tonight, it worked. I would appreciate the courtesy. XXXX ) I am on a promotional payment plan. However, the bill showed a minimum interest purchase. As I understood, there would be XXXX INTEREST added if PAID IN FULL by the end of the promotional period. WHY did I have a {$2.00} minimum interest fee added to my bill? Please explain these fees, as I feel this is predatory lending. Thank you.
End of Messages
|
| 05/09/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
The following is an outline of the issues I have been having over the past year with Synchrony Bank and I finally am fed up. If there are this many mistakes on my account I can't imagine what an audit would turn up.
1. Transferred incorrect amount Back in XXXX of XXXX I wanted to transfer {$8000.00} from My Synchrony Roth MMA to my XXXX Roth Savings. I filled out the form and mailed it on XX/XX/XXXX I think it was, and called and they said it was received and being processed. However in the interim they closed my account on XX/XX/XXXX and transferred the entire balance to XXXX, {$16000.00} instead of the requested {$8000.00}. See attached ) I tired to resolve this before leaving the country for several weeks, of which they were notified the date and time ( see attached ) In short it would be a great loss of time to try to undo it when I returned since they were not be cooperative. Everyone I spoke to said yes it clearly states on the paper work {$8000.00} but no one would own the error. I was getting a higher interest rate at XXXX and decided to leave it there. Note that I did contact XXXX to ask why the amount of the check not matching the transfer request was not questioned and no one could answer. I left it alone.
As this was a year ago I can't find all my notes and a copy of this document, however, there is record in both banks of the document. Should I locate a copy of the document I will send it. However there is correspondence that they owned up to the mistake ( see attached ) 2. Direct Transfer funds from Synchrony to XXXX not being acknowledged as a direct transfer after the fact : Fast forward to mid XX/XX/XXXX of this year. I wanted to transfer money from my New Synchrony Roth MMA ( had to open another one since they closed the original and would not reopen it ) to my XXXX Roth Savings account in the amount of {$3000.00}. I filled out the form and either was given the wrong instructions or I sent it to Synchrony in error. It was sent via secure email from my account online. They emailed me that they needed a medallion signature so I got one and resent it via my secure email account as well as faxing it from my home. ( see atttached ) Mind you the document clearly came from me and not anywhere else and the correspondence was with me and no one else.. I waited and waited and it finally got sent to XXXX. Apparently it was sent on XX/XX/XXXX ( see attached ) A few weeks later I get a letter from XXXX requesting paper work for the Roth contribution. This was a direct transfer not a contribution. So I called XXXX and they told me that it came in as a contribution since there wasn't paperwork that they signed with it. ( there lies the confusion of where the original document was sent ). They said that if I got a letter from Synchrony saying that it was a transfer they would be able to recode it. Synchrony refused. I called XXXX and they said get a letter that says the money was sent in error and they would send it back to Synchrony and I could start the process over again. I called Synchrony and they said oh it has to go to the back office and we will let you know in 3-5 days. I was fuming as this is ridiculous. Fast forward 10 phone calls I asked it they are not acknowledging that this is a transfer when the document heading clearly says transfer and where to sent the money, that I would like the paperwork that they used to remove the funds from my account and sent it to XXXX, all of a sudden well maybe we ( Synchrony ) can get a letter stating that it was a transfer. That was last Thursday XX/XX/XXXX. Still waiting. Nearly 2 months now.
It gets better. I had a CD that was coming due XX/XX/XXXX and another on XX/XX/XXXX.
3. For the CD maturing on XX/XX/XXXX that they closed early : I called and gave verbal instructions. As there is no confirmation I always send a secure email stating who I spoke with and the instructions asking for a confirmation, which I received both via email and verbally on the phone. Then I get a notice that my Traditional IRA CD was renewed on XX/XX/XXXX! I called to ask how this could happen and I want it corrected. It is an IRA account and I do not want any problems now or later. I told them I do not want to be on my death bed at XXXX getting a notice that I owe a fortune since I closed the CD early, which I did not, they did. I sent an email regarding this and got an email telling me that they are not charging me for the early closure. How nice of them not charging me for their mistake. Long and the short of it with no help or cooperation I chose to leave it alone as I am just done with going in circles and getting nowhere. The new CD that the funds went into was paying a higher rate.
For the CD maturing on XX/XX/XXXX I called and reconfirmed again verbally the instruction for my CD that comes due on XX/XX/XXXX, that the entire matured amount should go into the Traditional MMA. I plan on transferring it out of this bank. When I emailed I got an email telling me call them.
Their secure email does not have a sent box, so having a record of what I send it only shown when and if they reply. Many times I do not get notification that there is a document in my secure email unless I log in which is not every day.
I have attached various emails and documentation regarding the above. The following is a list of dates and names of some of the people who I spoke to, I have called so many times these calls supposedly are recorded. All I get is the run around and you rarely get the same person twice so each time it is a different story.Please keep in mind that I did not contact them until I was made aware that the transfer had an issue when the receiving bank requested paperwork.
If you need anything else from me please do not hesitate to contact me.
XX/XX/XXXX spoke with XXXX XXXX XX/XX/XXXX XXXX said it will be sent to review takes 24 -72 hours should know by Monday XX/XX/XXXX XXXX who forwarded the call to XXXX XXXX, Supervisor who was not there and I was told she would call me the next sday. No call I left a message XXXX, XX/XX/XXXX XXXX must go thru the back office, a letter will take 5-7 business days.
XXXX XXXX XX/XX/XXXX XXXX XXXX no ref no for the call 3-5 days by Friday should have an answer to a letter stating sent in error.
XX/XX/XXXX XXXX XXXX said now he thinks the back office is thinking about a letter stating that it was a transfer, hmmm maybe since I asked for the paperwork that they used to send the money. He said he escalated it 7-10 days for a letter if issued and will call me in a week, no call yet.
XX/XX/XXXX I called him and was left on hold. He just called back and said a letter will take another 7 to 10 days. I asked if the letter is stating it was an error in sending the money or if they are saying it was a transfer. He said I am getting the letter I requested. Well being that they have said yes no and yes and no I have no idea what they are approving. I asked that it be XXXX to my door to arrive in the morning and he said that it can't be done as it already went out. I said there must be a copy and he said that they will not XXXX it. So all in all this is taking more than 2 months to clear up asking for the letter to be XXXX to me is not a lot. to ask in my book early XXXX left several messages for XXXX XXXX and XXXX XXXX, no calls returned
|
| 07/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX Order placed for XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Order # XXXX. PayPal Credit Payment {$1500.00} XXXX Received notification via email of order status update. Order had shipped.
XXXX Tracking # XXXX XXXX Order # XXXX shipment arrived, received and signed for by myself.
I fully charged the new battery pack for testing to insure it is working properly XXXX performed as expected.
XXXX Used battery pack in XXXX XXXX XXXX XXXX performed as expected.
XXXX Used battery pack in XXXX XXXX XXXX XXXX performed as expected.
XXXX Used battery pack in XXXX XXXX XXXX XXXX performed as expected but found battery to have a sloppy fit in battery compartment. Attempted to contact XXXX XXXX XXXX XXXX for fix through online store contact form. No reply from merchant. Fabricated foam padding as solution to tighen up fit of battery in battery compartment.
XXXX Used battery pack in XXXX XXXX XXXX XXXX performed as expected.
XXXX Battery at over 40 % capacity stopped taking a charge and will not power on the bike. Attempted to contact XXXX XXXX XXXX XXXX for troubleshooting through online store contact form. Product failed less then 30 days after I received it. No reply from XXXX XXXX XXXX XXXX.
XXXX Emailed at XXXX in an attempt to get help with this problem. No reply. Attempted to call. Voicemail does not pick up.
XXXX thru XXXX Opened up XXXX to attempt to message store merchant to help resolve the problem. Multiple messages sent. Still no reply. Reviewed XXXX XXXX XXXX XXXX XXXX page in attempt to find anyone having this problem which XXXX have a solution. Found plenty of complaints of lack of communication and customer support from XXXX XXXX XXXX XXXX.
XXXX Filed dispute with PayPal Credit ( Synchrony Bank ) for defective product Still no attempt from XXXXXXXX XXXX XXXX XXXX resolve or communicate.
Received automated notification status change Disputed from Merchants Store XXXX Returned battery pack to XXXX XXXX XXXX XXXX via XXXX XXXX at my own expense in hopes to get someones attention within this company. Tracking # XXXX Notified Merchant via email of the return with reasoning behind the return and supplied tracking information. Still no reply or attempt by merchant to resolve dispute XXXX PayPal Credit ( Synchrony Bank ) informed me XXXX XXXX XXXX XXXX Submitted document suggesting to file warranty claim effectively ending the dispute in his favor. I did not find out this information until weeks later when the charge was issued back to my account How can one file a warranty claim when no one will respond to email, messages or any other attempts to contact the entity?
XXXX Battery pack shipment was delivered and signed for by XXXX XXXX XXXX XXXX by business owner. Still no attempt to make contact or resolve problem.
XXXX PayPal notification of dispute resolution in merchant favor for warranty claim. Forced to elevate another dispute. This time in the form of a fraud claim. Submitted documentation evidence of failed attempts to contact merchant on numerous occasions. Still on contact from merchant XXXX PayPal Credit ( Synchrony Bank ) closed dispute in merchant favor XXXX Another attempt made through merchant online store contact form before filing yet another dispute for defective goods. Merchant finally responds stating he attempted to call and to call him back at my earliest convenience. No missed calls on my call log. No voicemail left.
XXXX Merchant Finally responds stating that PayPal Credit ( Synchrony Bank ) has already deducted the refund from his account. PayPal Credit ( Synchrony Bank ) has still failed to apply the refund to my account. PayPal Credit ( Synchrony Bank ) claimed that there was no deduction made from his account and that the merchant has not issued the refund.
XXXX PayPal Credit ( Synchrony Bank ) closed dispute in merchant favor XXXX Filed dispute once again. I was told by PayPal Credit ( Synchrony Bank ) that the dispute was filed under the wrong reason. Yet I have for a many different reasons the last few times each time presenting more evidence to make my case to include copies of emails sent, screen shots of XXXX messages with submitted photos of the defect and copies that proved the product was returned. Also Copies merchant was notified it was coming back and the return was signed for by the merchant XXXX XXXX XXXX XXXX and Copies of the response that claimed PayPal Credit ( Synchrony Bank ) had deducted the refund from his account.
XXXX PayPal Credit ( Synchrony Bank ) closed dispute in merchant favor once again XXXX Began seeking legal assistance against PayPal Credit and XXXX XXXX XXXX XXXX for mishandling refund and dispute in the amount of {$1500.00} and for defective product and while getting mislead by both XXXX XXXX XXXX XXXX and PayPal Credi
t ( Synchrony Bank ) about what was going on. Evidence shows PayPal Credit ( Synchrony Bank ) has mishandled my dispute multiple times. PayPal Credit had originally confirmed in the beginning that merchant agreed to refund account yet dispute was still not properly resolved resulting in a chargeback to my account. Numerous occasions through PayPal Credit chat portal and phone calls to
PayPal Credit yielded false or misleading information claiming that I would not be charged while the balance was in dispute to include interest accumulations which it was told to me that interest would not accrue while dispute was opened. But it has and is according to my billing statements since XXXX. I was also given the wrong dispute reference ID when asked in order to resubmit documentation from the original dispute. Chargeback was placed on my account as a new purchase dated to occur XXXX effectively starting the 6 month promotional period over while interest accrued. This in turn forced me to file a fraud claim because the chargeback was no longer listed under the original purchase from the merchant but just listed as PayPal purchase in a different state. I was also told by PayPal Credit ( Synchrony Bank ) that I was clear to purchase another more reliable product from a different merchant before the chargeback had occurred in XXXX. Dispute was filed against the chargeback yet the chargeback is still on my account building interest.Furthermore I have found that PayPal Credit has double billed me for the billing cycle from XXXX to XXXX by two days of overlap in which a complaint was issued to them and nothing was done with it. My balance has caught up to the disputed amount which I was assured each and ever time I filed the dispute over and over that my payment would not be go to the disputed balance after the charge back had occurred in XXXX. My most recent payment was indeed applied to the disputed balance while in active dispute. After confronting PayPal Credit ( Synchrony Bank ) about what was told to me would happen and what actually happened I was told my payment would be reapplied to the undisputed remaining balance in one to two billing cycle and I just need to wait! Still XXXX XXXX XXXX XXXX has not issued the refund.
PayPal Credit ( Synchrony Bank ) www.synchrony.com XXXX XXXX XXXX XXXX XXXX
|
| 03/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
My complaint is against Synchrony Bank. I was deceived into business with Synchrony by PayPal credit products ... .line of credit and credit card.
During the pandemic I experienced a loss of income and was on a limited budget. I had to reach out to ALL of my creditors and 99 % of them worked with me throughout the entire duration of the pandemic! They were understanding and we're happy and courteous. Synchrony Bank the 1 % ONLY offered deferment 3 times!! Compared to 8-10 months by other creditors, I had ZERO late payments prior to the pandemic! 100 % on time payments. The other creditors understood that and we're willing to work with me to maintain a good relationship! Synchrony did not care!
I called several times asking for more help post the initial 3 times they deferred, I was repeatedly told no!! I was discriminated against! From that point I began to receive MANY phone calls multiple a day every day! I initially answered and again requested help, I was again unfairly denied. I felt harassed, discriminated against and even more depressed during the height of the pandemic, I had already been told NO when I requested help EVERYTIME since the initial 3 times since XX/XX/XXXX. I didn't pick up the phone just hoping they would stop! The calls persisted, often switching between different numbers. I remember ( XXXX ) XXXX, Ohio, and ( XXXX ) XXXX, Florida. The fact that I have those area codes memorized speaks volumes to the harassment and stress induced by Synchrony.
The last time I spoke with them they tried to force me to close my account and get on a so called " customer assistance program '' which they DO NOT tell you doing so will damage your credit. The first time they offered that I declined and told them I don't want to have the account closed I am trying to build my credit and don't want a closed account as the pandemic is not my fault and my financial status at that time was not due to my own negligence or money mistakes. I just paid as soon as I could and as frequently as I could!
Synchrony followed through with reporting negatively to the credit bureaus during the height of the Pandemic in XXXX! None of my other creditors not even my car loan, I have a 100 % payment history with all of my creditors EXCEPT Synchrony!
This is HIGHLY unfair, discriminatory, deceptive, and predatory! I did NOTHING to deserve such treatment. I should've NEVER been harassed with a bombardment of phone calls from Synchrony bank. Their representatives are extremely rude, cold, heartless, and completely UNWILLING to work with you. When I call them again the ONLY option I was given was to make my account a NEGATIVE one by agreeing to close it. I later find out the close it and state that the account was closed by the creditor which was NOT stated when they offered there so called " customer assistance program '' it was made to sound as if " I '' was the one closing it being they asked for my permission and agreeance to do so!
I have contacted them directly multiple times to get those late payments removed. I feel and know they were wrong! They bullied me, forced me into agreeing to close it by not giving me any other options. They fell short of offering continued assistance as did ALL other major banks. They harassed me by calling MULTIPLES TIMES A DAY! They caused me to be under severe anxiety, stress and XXXX. Synchrony has changed the course of my families financial future by placing negative marks on my credit report and refusing to remove them which are set to be on there for 7 years!!! I am being punished as if I created the Corona virus and caused financial hardship.
Synchrony has been completely heartless, and have failed to provide empathetic service. I would have NEVER chosen to be a customer of Synchrony. I was under the impression that I was getting PayPal credit line and a PayPal credit card. I guess in the small text I was actually getting into a relationship with Synchrony.
Customer service has been abhorrent and heartless! I have contacted them in every way possible, via phone, email, prior complaints, reaching out to the CEO, the office of the president, and via XXXX which yielded abhorrent customer care. That representative had the audacity to tell me as I was expressing my complaint, she says " you realize you just talking to a regular customer service agent right? '' I say to her, '' then why am I speaking to you? '' They have failed to correct their wrong. They actually looked as if they were going to right this wrong, they corrected it partly but out of retaliation they went back and added negative remarks to my credit report, corrected part of the payment mistakes, then went back and reversed it and placed NEW history on my report for XXXX. The account was NOT active in XXXX. This behavior by Synchrony is wrong and they need to be held accountable for this behavior.
Synchrony is so big that they don't care about me the customer, they only care about their bottom line. They are knowingly deceptive and earn more off of people with credit/financial problems which is why they make it easier for those with such credit profiles to obtain credit from them. They fail to educate the very people who have made mistakes because of a lack of financial education. They refuse to work with you even during a pandemic, Synchrony employees are trained to NOT be lenient, they want you to STAY in the challenged credit class! WHY??? BECAUSE THAT IS THEIR TARGET AUDIENCE/MARKET! They want you to STAY financially damaged and challenged! Therefore when you need credit again, you are more than likely are forced to come back to them. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX ALL have credit education to help you become educated, free credit alerts and checks, with user friendly interfaces. They are willing to allow you to build a relationship with them and XXXX day qualify for higher credit products. Synchrony seeks out the financially/credit challenged and wants you to stay there. Synchrony 's has a systemic history of deceptive practices, discrimination, harassment, and predatory practices that ingrained into their culture! They are too big to care and all of their employees are trained to enforce their systemic rude habitual negligent predatory culture! An employee who called me as I was sitting in my doctors office waiting for him to o enter named XXXX XXXX @ the office of the president told me verbatim to just " give it up, nothing is going to change! '' With a snarky giggle! They are ABSOLUTELY the rudest most disgusting people ever!! This company takes pride in making the lives of their customers miserable and they gain satisfaction from doing so, and often in antagonistic ways!
I want to be completely done with this company so that I can move on from this nightmare, I didn't ask to be in a realationship with them. I am tired of the bullying by them, and their deceptive practices. I want ALL 3 credit bureaus and subsequent reporting agencies corrected. I still have a PayPal credit card with them that I would also like to get rid of, but don't want closing it to negatively affect my credit!
|
| 06/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Last year around XXXX or XX/XX/XXXX, I called XXXX to purchase a generator for my home. I called XXXX to get a quote. They referred me to a local dealer about 1 hour and half from me. The company name is XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, MS XXXX owned by XXXX XXXX. Their phone number is XXXX. This company sent a representative by the name of XXXX to give me an estimate. The The price was {$12000.00} and they were collaborating with Synchrony Bank to finance customers. My husband and I financed the generator through Synchrony Bank and paid in full. We began paying {$490.00} month for the purchase and installation of the XXXX generator. The company promised us the generator to be installed late XXXX of XXXX due to it being a XXXX. We waited and never heard back from them and finally I began calling them and asking when will it be installed. The receptionist kept giving me various dates to appease me and finally, I called XXXX to notify them of the situation and they tried to call the company and I was told that they could not get in touch with XXXX nor the receptionist. I then called an attorney to see what I needed to do. The attorney courteously sent an email requesting for them to install my generator. They ignored the email. XXXX then calls me and says he is no longer working with the company because they are not delivering on the product. He tells me to file a purchase dispute with Synchrony bank to get my money back and he will purchase and install the generator. I called Synchrony Bank to file a purchase dispute and the representative tells me I can't file a purchase dispute until I cancel the service. I then send a cancellation notice to the company and then filed the purchase dispute, This was in XX/XX/XXXX. Synchrony Bank said it would take up to 60 days to close the dispute. I received an email in my favor. Then Synchrony Bank opens another dispute and then sends me another email saying it is in favor of the merchant and I must pay the bill. I send them an email stating I do not have the product and why do I have to pay for a product which was not delivered. Now Synchrony Bank is telling me that they have reopened another dispute and it is going to take up to 60 days again, I have paid {$3900.00} on this generator that has not been delivered.
Letter 1 : My Favor - Started Dispute in late XXXX Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX Account is owned by Synchrony Bank XX/XX/XXXX Account Number Ending In : XXXX Dear XXXX XXXX , Thank you for your recent inquiry regarding your XXXX CONSUMER FINANCING/SYNCB account, and the opportunity to be of service to you.
We have concluded the research on your account and as of the date of this letter, we have issued a credit ( s ) on your account for the disputed amount ( s ) totaling {$12000.00} and billed the amount ( s ) back to the merchant ( s ). If applicable, interest charges and fees associated with this transaction ( s ) have also been adjusted.
This account credit ( s ) means that you will no longer have to pay for this specific transaction on your XXXX CONSUMER FINANCING/SYNCB account. Please note that this does not change any contract or agreement that you have entered into with the merchant ( s ) or guarantee that you no longer owe the merchant ( s ) for any obligations required within your contract or agreement.
We appreciate you as a valued XXXX CONSUMER FINANCING/SYNCB customer. If you have any questions or if we may be of further assistance, please contact us at the toll free number below.
Sincerely, Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAGE XXXX OF XXXX XXXX XXXX Letter 2 : XXXX XXXX XXXX XXXX Hello XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account. We appreciate your message and the opportunity to be of service to you today.
I understand your concern regarding the status of the dispute on your XXXX Consumer Financing account. As per our records the dispute is showing closed in favor of the merchant.
The balance of {$8300.00} was added back on to the account.
You can also check the dispute information online under? Disputes? tab and? Activity? page. Under this tab you can see any open or closed dispute details. This tab will show information on disputes opened in the past 6 months.
If you have more question, request you to please write us back or call customer service at XXXX.
Thank you for contacting us and allowing us to address your concerns. If you have any questions or if we may be of further assistance in the future, please contact us via the Online Message Center or at XXXX. We value the opportunity to assist you and appreciate your feedback.
Stay Safe!
Sincerely, XXXX XXXX Customer Service Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX '' XXXX Received : XX/XX/XXXX XXXX XXXX EDT To : XXXX Subject : Purchase Disputes What is the status of my purchase dispute?
Letter 3 : Re-Opening a 4th Dispute Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Account Number Ending In : XXXX Dear XXXX XXXX, XXXX We're reviewing your claim.
We're here to resolve your recently opened dispute claim on your XXXX CONSUMER FINANCING/SYNCB account.
Here 's what we've done so far : Opened a claim for the disputed charges. If we need additional information, we'll send you a form to complete and return to us.
Updated your account to reflect the disputed amount. During our review, payments on your disputed balance are not required. Your required minimum payment has been updated accordingly and fees and interest will not accrue on the disputed charges during the review process. As a reminder, a minimum payment is still required by the payment due date for any non-disputed balance.
We're working to resolve this matter as quickly as possible and will let you know the outcome. We ask that you allow up to 60 days for us to complete our review of this claim.
If you have any supporting documentation that you have not previously provided, such as receipts showing the sale or credit in dispute, communications with the merchant, delivery notices or anything else that you feel would help to resolve your dispute claim, please upload the information to our secured email message option within 7 days. Alternatively, you can mail : Synchrony Bank / XXXX CONSUMER FINANCING/SYNCB XXXX XXXX XXXX XXXX, PA XXXX If you have any questions, please let us know. We value your business and are here to help when you need us.
Account is owned by Synchrony Bank I do not have the generator ; it was not delivered ; I have done everything within my power to resolve this dispute. Synchrony Bank keep opening up new purchase disputes and telling me it will take up to 60 days to resolve. But I have received 2 resolution letters and still have not received a product ( generator ) nor received my {$3900.00} I have paid towards the product. The Synchrony agreement was a payoff of 2 years. Neither Synchrony is giving me my money back nor is the company giving me my product.
|
| 03/10/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
A few purchases were made online back in the fall months of XXXX at XXXX using my XXXX credit card issued with their credit card company Synchrony Bank ( SYNC bank ) for value payments or easy, no interest, monthly payments with the first payment made at time of purchase and the remaining monthly payments charged every 30 days from the order ship date. However, I paid the monthly payments early, well before the due dates, using my own XXXX XXXX credit card which was an option made available by XXXX when I checked into my XXXX account. My XXXX account openly displayed to me that no payments were owed or due any longer. However, I received email bills from the XXXX credit card company even though no payments due or owed showed up in my XXXX online account. Filled out two forms to dispute this with that credit card company. Followed up and faxed out to them ( 1 ) proof of early payments, paid for numerous months not yet owed or due, to totally pay off any and all owed payments, for purchases made online in my XXXX account using my XXXX credit card at the time of purchase, and ( 2 ) proof those early payments were made with my own XXXX XXXX credit card, and ( 3 ) copied and pasted proof from my XXXX account that no payments were owed or due as proof too. Communication with XXXX credit card company SYNCH Bank has been time consuming, difficult, and confusing. Difficult to login at times, ( copied and pasted proof of that sent to them by email ), had an unresponsive chat trying to get answers until I posted in chat to them that I would contact consumer affairs. Received email to talk to them live and on telephone so I telephoned them on XX/XX/XXXX. Telephoned them earlier than XXXX XXXX but received a message to hold to speak to an agent about XXXX XXXX. Telephone was disconnected about XXXX XXXX as I expected. I used so much time trying to have them explain why my XXXX account showed no payments owed and why they continue to bill me. Also contacted XXXX who stated numerous times they had no access to my XXXX credit card account although the amounts paid for value payments show up on my XXXX website account, what card ( s ) were used to pay, and that no payments were owed or due Tried diligently to understand why this was happening by sending emails, filling out and faxing forms to Synch to investigate and acknowledge ( 1 ) my XXXX account showing no owed payments, ( 2 ) proof of my payments made through my own XXXX XXXX credit card to my XXXX account for value payments not yet owed or due ( which were made early for a number of months before due date ) from my payment history online at XXXX, and ( 3 ) proof copied from my XXXX XXXX account of payments made. At XXXX XXXX today that telephone call they requested me to make to them was disconnected with no live response as I expected would happen. Was on hold with them on phone since online XXXX XXXX. I am a XXXX, age XXXX, retired from state employment as a XXXX, hired as a state employed RN after being a state employed XXXX XXXX XXXX XXXX as well, but still working in XXXX, XXXX in a long-term facility in the private sector. Used so much time trying to do the right thing if money was owed to them but needed to receive an explanation to understand why my XXXX account showed no payments were owed any longer so many months ago yet the credit card company wanted more payments made by me directly to them. Time is very precious now due to time being used to be covid tested weekly, sometimes bi-weekly, and time needed to protect myself, my family, my facility residents, and the public I come in contact with by spending hours cleaning and sanitizing my car, house, all surfaces touched or work items placed on, and work devices I carry to work belonging to me due to care given to those who tested positive and those who may test positive in days to come. I am in need of time and peace without this kind of struggling so I am considering paying them even though my XXXX account shows no money is owed. Why? So I am not consuming time dealing with this any longer, my conscience is clear if I was wrong since nothing was explained or proven to me, so they leave me alone to spend time to focus on important things, and mostly so I can close out that credit card account with them only still open to deal with these issues. But I wanted and still request a statement with a total amount owed from both XXXX and their credit card company. XXXX still shows in my online account that no payments are owed for any months now or forthcoming. I need and want a statement and an explanation why XXXX allowed me to pay off all monthly payments early, numerous months before the every 30 days charges, using my own XXXX credit card and then showing no payments owed for month after month yet their credit card company continued to ask for money to be paid directly to them! Nevertheless, at this point, the XXXX credit card company was unresponsive live on telephone today, XX/XX/XXXX and in online chat in the past for an extended period of time until I texted them that I was contacting consumer affairs and copied and pasted the chat and emailed it to them while in chatroom as well ( two forms of communication ). Only then did the chat agent respond after I waited in chat online for an unreasonable amount of time but they were already informed early in chat messages sent that I had to soon get ready to leave for XXXX duties at my place of employment so I had to leave the chat. While waiting in chat, when they were unresponsive, I texted the issues and my questions. When they finally responded after I told them I would submit a complaint I did copy and paste the issues and my questions previously sent before ending the chat so I could get work ready. My concern still continues not only for me but for community members who might have the same issues. Henceforth, I sent this complaint to my states Attorney Generals Office Consumer Affairs including my credit card account number and my XXXX customer ID number giving them permission to let them access my accounts hoping they might be able to explain why this was happening, if any money was really owed, and why payments owed and due would not show up in my XXXX online account. I can fax pages or mail those pages that were faxed out to the XXXX credit card company to you as well. I saved and printed proof that faxes were delivered to them at the phone number they provided. Dates will be on the faxed pages sent to the credit card company and I can forward emails sent to both XXXX and their credit card company if you give me your email address. All this is so complicated and time consuming so the pages of proof are best to be reviewed for dates, amounts, proof of payments, questions asked, and communications. The pages showing proof are probably close to XXXX so the time used to fax those to the credit card company were not used for resting or sleeping as needed. Just wondering why getting answers when needed to make sure the right thing is done is made so complicated and time consuming?
|
| 10/27/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a payment via money order to Synchrony Bank for {$110.00} for my XXXX 's account. I emailed the company that I would be making this payment by mail XX/XX/2019 which was before my due date on the XXXX of month. I have paid this account for approximately 22 months and this is the first time paying via money order and the first problem with Synchrony. I double checked my online account to make sure this payment was received by XX/XX/2019 ( my due date is the XXXX of the month ). The payment was not posted. I had no choice but to make a second payment to XXXX online on XX/XX/2019 because I wanted to keep my account in good standing. I emailed the company ( 2nd written communication ) to inquire where my first payment via money order went because the payment did not post by 9/11/19. Also, I informed the company I made a second payment and that I would like to apply these payments to XX/XX/XXXX and XX/XX/XXXX. On the company website, a customer is allowed to post up to 12 months of payments with a date for each payment and I had already let them know my dilemma with these payments. Several days after XX/XX/19, I noticed my online account stated the money order posted to my online account on XX/XX/19 and the online payment on XX/XX/19. This is strange because the money order posting was not done by XX/XX/19 which forced me to make sure my account was current by making a second payment. This is a deceptive practice. Why did they not update my account if they received the payment on XX/XX/19? Either someone was withholding the fact they had the money order and knew this would force a good paying customer to pay anything to keep the account current or they wanted me to ignore that the payment had not cleared and make up a date to post after XX/XX/19 which would force me to be late on my account. I was never late. I paid XX/XX/2019 on time and I sent an extra payment. I asked the company in writing on XX/XX/19 to apply those payments as I asked since no one would get back to me regarding my payments. I emailed the company again on XX/XX/19 ( 3rd time ) regarding this payment issue and I received a response about a week later on XX/XX/19 that my payment of {$110.00} was received and money would be applied to my account and they gave me a balance reducing my account by {$220.00} ( for the 2 payments I had made ). I thought everything was cleared up, but on 10/19/2019 at XXXX, I received an email stating I owed {$250.00} on XX/XX/2019. I called company on XX/XX/2019 and asked why I am being asked to pay double again plus incurred a late fee. The initial agent said that he could not help me so I asked for a supervisor. I was transferred to " XXXX '' who told me should would expedite my account but she was not a supervisor. She reassured me that she would take off the late fee of {$28.00}, apply the payments for XX/XX/XXXX and XX/XX/XXXX. The other issue would be to fix how they dinged my credit from {$6000.00} to {$1900.00}. I now have {$300.00} to spend which will not buy anything at a XXXX 's store. I planned to buy something, but I will not now, not after this fiasco. All I was trying to do was keep my account current and stay on my budget. I can not afford to make double payments all the time. I feel someone manipulated my account and now that I am reading up on the various reviews about Synchrony that this type of tactic is common in their bad business practices. I have been a good paying customers with several accounts. I am upset. By XX/XX/XXXX, my online account showed my balance the same {$1500.00}, the late fee waived, the credit limit at {$1900.00} not {$6000.00} and that I am late and owe {$220.00}. So, I emailed the company again. I also went onto the site where it indicates to contact them at a special email that goes to the Office of the President. They want you to email them directly first before complaining to the XXXX, FTC or CFPB. I have been communicating with them constantly throughout this issue and no one from Synchrony will help me. I received a call on Friday XX/XX/19 from XXXX. She read about my dilemma and said there was nothing she could do except to mail back {$110.00} ( one payment ) to me and then I could afford to pay them {$220.00} that I owe for XX/XX/2019. Why would any company do that when they have the money already to apply to my account? That check they would send to me would put me on notice in writing by the company and force me to be late when I never was. I refused XXXX in that regard. I work in the legal field and understand why they are trying to force me to accept a check back from them, but that is not correct business practices. The company should apply the second payment to XX/XX/2019 and reinstate my credit since I was never late. If they put documentation within their website that you are allowed to make payments in advance, then why are they accepting these 2 payments for XX/XX/XXXX and XX/XX/2019 when it was their fault for never posting the original payment on XX/XX/19 as they did after 9/11/19 ( my due date )? I feel duped. These are deceptive practices. I specifically asked them to apply the payments to XX/XX/XXXX and XX/XX/XXXXwhich they did not and to not charge me a late fee and they did. I asked XXXX to find me a supervisor who will correct this. I have filed a report with the XXXX. My next step after emailing CFPB will be to go to the Attorney General 's office in Texas where I live, Ohio ( company HQ ) and Florida ( where the company accepts its payments ). I think Synchrony needs to be investigated for their business practices and withholding payments which were received and not properly posted and forcing its customers to make extra payments and not applying the payments properly in that regard. Something is not right here especially after reading multiple reviews where other consumers have faced the exact same issues and the company continues this bad business practice. This is not good customer service when customers are entrusting Synchrony with their hard money that they expect to properly post to their accounts. I expect my payments to be appropriately applied to XX/XX/XXXX and XX/XX/2019 and for any late fees and/ or indications of late fees and payments to be removed from my credit account and also for my credit to be restored. My credit was dinged due to this and I have been paying this account for almost 2 years and even paid off another account for XXXX 's at the same time as this account was activated. I am not a deadbeat and I do not appreciate Synchrony not working with me to remedy this situation. I need help in order to keep my account current so that I can continue to pay them {$110.00} and possibly make another purchase. After this mess, I have loss faith in the company. It is not fair to me as a good paying customer to deal with this and feel helpless when I did nothing wrong. I sent those payments in good faith and the company failed to make this right. I just want this to be remedied as soon as possible and as I have asked repeatedly to no avail. Thank you.
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| 12/15/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by SYNCHRONY.
In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report.
Credit reporting agencies such as XXXX, XXXX and XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX, XXXX and XXXX are not upholding its role pursuant 15 USC 1681. You ( SYNCHRONY ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act.
Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX, XXXX and XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history.
My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from SYNCHRONY. As a violation of 15 USC 6802- you ( SYNCHRONY ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission.
You ( SYNCHRONY ) are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( SYNCHRONY ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
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| 01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Older American |
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PAYPAL sold my BUSSINESS PAYPAL CREDIT account without my permission TO SYNCB AND NO SIGNED CREDIT APPLICATION EVER, AND PAYPAL NEVER REPORTED TO CREDIT BEAURA, THEN SYNCB BOUGHT IT AND DID REPORT IT AS A CREDIT CARD WHICH IT WASNT. ON PERSONAL CREDIT NOT BUSSINESS CREDIT. and caused my credit score to go down 80 points because of the percentage of credit card debt. when that's not a credit card. and I never gave THEM a credit app.THEY SAID PAY WITH PAYPAL ITS EASY AND KEPT RASING THE LIMIT THEN WHEN IT WAS HIGH THEY SOLD IT AND IT WAS REPORTED AS A CREDIT CARD AND SYNCB SAID THEY WERE CHANGING INTEREST RATES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -OTHER COMPLAINTS ABOUT PAYPAL CREDIT AND SYNCH ITS AFFECTING ALOT OF PEOPLE THAT NEVER GAVE SIGNATURES FOR CREDIT TO BE CHECKED OR REPORTED PAYPAL. After never reporting to a credit agency for over five and a half years my paypal credit account suddenly posted on my credit report with no warning. I thought it was a fraud account and was ready to put a freeze 9n my credit when I connected the dots. Of course they never reported when my balance was low and I have never missed a payment - but I used it for some business purchases and ran it up ( no, I did not exceed my limit ) - thats when they decided to make their first report. Thanks paypal. It would have been nice if you had bothered to report from the get go and could have contributed in a positive manner to my credit scorXXXX though.
XXXX 's response was : XXXX XXXX XXXX XXXX, XXXX Reply Reply by XXXX 1 Contribution 15 People Helped XXXX to 15 out of 18 people My balance is about 7K and they just reported it. Not sure why either credit score went down 55 points.
XXXX 's reply was : XXXX XXXX XXXX XXXX, XXXX Reply by XXXX 1 Contribution 16 People Helped XXXX to 16 out of 19 people Same here. NEVER went over or late paid but they were sure to put it on my credit after 2 years of using it and never using it ... ..go figure.
XXXX 's reply was : XXXX XXXX XXXX XXXX, XXXX Reply by XXXX XXXX Contribution 17 People Helped XXXX to 17 out of 18 people I am so mad right now, this just happened to me also, my credit score just dropped 22 on XXXX and 53 on XXXX because of PAYPAL as they JUST started reported on mine also.
You can believe I will be paying off my PAYPAL and closing the charging portion and using my banks only from now on.
XXXX 's reply was : XXXX XXXX XXXX XXXX, XXXX Show more replies Response by XXXX 1 Contribution 48 People Helped PayPal Credit?
Helpful to 48 out of 54 people I have an old PayPal account but I rarely use it.
Apparently today XXXX, they closed the account due to inactivity .... And my scores dropped.
I still have great credit, but here 's an account that I've never used and there is no card I own for them .... and out of nowhere, they mess with my score?
What gives? How does this go away?
XXXX 's response was : XXXX XXXX XXXXXXXX XXXX, XXXX Reply Reply by XXXX XXXX Contribution 8 People Helped XXXX to 8 out of 9 people Enter Your Replythe same situation happened to me yet it dropped my score.
XXXX 's reply was : XXXX XXXX XXXXXXXX XXXX, XXXX Reply by msjbhall 1 Contribution 6 People Helped XXXX to 6 out of 7 people Same here! I think ii used it once years ago ( by mistake ) and paid it immediately today they reported it closed, and I didn't close it,. My score dropped 40 points!
XXXX 's reply was : XXXX XXXX XXXX XXXX, XXXX Reply by XXXX XXXX Contributions 2 People Helped XXXX to 2 out of 3 people The same exact thing just happened to me.
XXXX 's reply was : XXXX XXXX XXXXXXXX XXXX, XXXX Show more replies Response by XXXX 1 Contribution 22 People Helped XXXX XXXX XXXX XXXXXXXX to 22 out of 22 people FYI : PayPal Credit was formerly known as XXXX XXXX XXXX but was purchased by PayPal and renamed.
XXXX 's response was : XXXX XXXX XXXX XXXX, XXXX Reply Response by XXXX 1 Contribution 20 People Helped What now?
XXXX to 20 out of 21 people I used PayPal a handful of times back in XXXX. If it was marketed as a credit card then, I missed it. I used it to make a few online purchases that required a PayPal account. I've not used it since nor did I authorize anyone to close it and yet my credit score just dropped because they apparently closed the account without my authorization. From the comments it looks like they've crossed some boundaries with a lot of accounts. Is there a way we can all hold them accountable?
XXXX 's response was : XXXX XXXX XXXX XXXX, XXXX Reply Top Contributor Reply by XXXX 12 Contributions 149 People Helped XXXX to 10 out of 11 people XXXX class action is called for ... ..nter Your Reply XXXX 's reply was : XXXX XXXX XXXX XXXX, XXXX Response by XXXX 1 Contribution 56 People Helped Syncb/ppc XXXX to 56 out of 63 people Why is Pay Pal authorized to check my credit when I never inquired about credit with them? They have done this on their own volition.
XX/XX/XXXX Pay Pal knocked my credit score down, without me asking for credit, I haven't used PayPal in years.
Now this is on my report for 2 years.
XXXXed Off!!!!!
XXXX 's response was : XXXX XXXX XXXXXXXX XXXX, XXXX Reply Response by XXXX 1 Contribution 9 People Helped Paypal credit XXXX to 9 out of 9 people Had this show up on my report as a closed account due to inactivity. I had honestly completely forgotten about it, but I do remember signing up for XXXX XXXX XXXX ages ago. If I had known it was somehting that'd be on my report I would have used it to keep it active. Now I have an 8 year old closed account I didn't even know I had showing. Feels like such a waste.
XXXX 's response was : XXXX XXXX XXXXXXXX XXXX, XXXX Reply Reply by XXXX 1 Contribution 13 People Helped XXXX to 13 out of 13 people Exact thing happened to me! I used XXXX XXXX XXXX *once* ages ago for a flight purchase ( which I paid off daggone near immediately ). May be my own *fault* for not knowing that it was listed as a credit card/ credit somewhere/ somehow .... but this has NEVER shown up as an active or inactive account on ANY credit checks for opening a credit card, mortgage, etc. And now out of the blue, an account that's never been there, is " closed '' and my score goes down 3 points? ( I realize that's not a huge deal ) ... but, it still doesn't make sense and irks me!
XXXX 's reply was : XXXX XXXX XXXXXXXX XXXX, XXXX Reply by oneduality 4 Contributions 4 People Helped XXXX to 2 out of 3 people This is XXXX XXXX XXXX??
Why would we get dinged for something they discontinued .. XXXX XXXX XXXXXXXX doesn't even exist anymore to my knowledge, I used it years ago on one site for computer equipment.. then it no longer was even an option anywhere .. so I couldn't have used it if I wanted to .. I mean the drop wasn't massive..8 points.. but it still sucks to get dinged for something like this.
oneduality 's reply was : XXXX XXXX XXXXXXXX XXXX, XXXX Top Contributor Response by XXXX XXXX Contributions 1012 People Helped Helpful to 23 out of 25 people Paypal Credit
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| 09/01/2023 |
Yes |
- Credit card
- Store credit card
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- Fees or interest
- Charged too much interest
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|
Web |
Servicemember |
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AS PROMISED, CLOSING A COMPLAINT AS DUPLICATE AND CLAIMING ITS THE SAME AS THE ONE YOU PREVIOUSLY RESPONDED TO, IN WHICH YOU FAILED TO ACKNOWLEDGE OR PROVIDE FACTS TO SUPPORT YOUR POSITION FOR MOST OF THE ISSUES RAISED, HAS RESULT IN THIS COMPLAINT BEING OPENED. CLOSE THIS ONE, AND I WILL OPEN ANOTHER. THIS WILL THEN CONTINUE UNTIL YOU ACTUALLY PROPERLY RESPOND TO MY CONCERNS WITH MORE THAN JUST PUFFERY AND VAGUE PR TALKING POINTS. DON'T BELIEVE ME THAT I WILL KEEP OPENING COMPLAINTS, JUST ASK XXXX XXXX XXXX XXXX. IT TO ME OPENING XXXX COMPLAINTS BEFORE THEY GOT THE HINT THAT I WOULD NOT STOP UNTIL THEY PROPERLY RESPONDED. THAT SAID, THIS COMPLAINT IS SPECIFIC TO MY CARE CREDIT CARD WITH SYNCHRONY BANK. WHILE IT MAY INCLUDE SIMILAR THEMES ARE PREVIOUS COMPLAINTS, IT IS NOT A DUPLICATE COMPLAINT AND SHOULD NOT BE CLOSED AS SUCH. CLOSING THIS COMPLAINT AS A DUPLICATE WILL ONLY RESULT IN NEW COMPLAINTS BEING FILED UNTIL THE ISSUE IS RESOLVED. ISSUE 1. Simply stating " We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations '' is not evidence that you actually do. It would be no different then if I were to get caught committing an unlawful act and me telling the authorities " I have a deep respect for the law and I promise I would never do anything to violate it. '' ISSUE 2 : Regarding any obligations you alleged are the responsibility of a third party, such as " the merchant, at the point of purchase '', while its possible that Synchrony has made the merchant responsible for those obligations in the contracts it has with its merchants, in the CONSUMER Contract Terms & Conditions, the language of which Synchrony has exclusive control over, are very clear in how it defines the parties to the contract and those parties obligations. For example, in once pertinent section Synchrony declares " At times, WE may offer you special financing promotions for certain transactions ( special promotions ). The terms of this Agreement apply to any special promotions. However, any special promotional terms that are different than the terms in this Agreement will be explained on promotional advertising or other disclosures provided to you. '' In another pertinent section, Synchrony declares " Synchrony Bank may be referred to as we, us or our ''. '' No where in the CONSUMER terms and conditions Synchrony has written and strictly demands consumers comply with, are the words " Merchant '', " Provider '', " Point of Sale '', or " Point of Purchase '', ever mentioned, nor does Synchrony flat out state, insinuate, or even vaguely hint that it will or may assign any of its obligations to a proxy third party, such as the merchant. Nonetheless, if Synchrony is stating that it has employed its merchants to communicate the promotional terms which it will be applying to a transaction, Synchrony is still responsible for ensuring those it employees by hire or contract, comply with the law, and if/ when they don't the responsible party for their failure is still Synchrony. I as a consumer entered into a credit contract with Synchrony NOT THE MERCHANT. ISSUE 3 : Most transactions on my Care Credit Card were placed on promotional terms for deferred interest, however those promotional terms were selected for me and at no time was I ever presented with any/ all of the available options for promotional terms before, during, or after the transaction those promotional terms were assigned to were processed. This means others made decisions about those financial transactions on my behalf without authorization. While the promotions may seem like a benefit for me as a cardholder, each of those transactions had multiple options for promotional terms and I should have been the only one that chose which terms were right for me. In the terms that govern my Care Credit Card, it states " Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered '' and indicates the possible options for promotional terms are 6, 12, 18 or 24 months with no interest if paid in full. At no time have I ever received any promotional advertising or other disclosures that would have informed me of the terms of these offers. ISSUE 4 : On May 31st Synchrony made the decision to close all my accounts I had established with it, using the vague excuse that the reason for their decision was " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay '', however even though I have made many attempts to get specific information on what actions they are talking about, Synchrony has failed to provide clarification. Knowing that I have done nothing to violate the terms of each card agreement between myself and Synchrony, so your actions have left me seeking justification. While they have not specifically provided me with such, now that time has passed, it is beyond clear what their intent was in closing my accounts. Allow me to explain ... As a result of Synchrony closing the XXXX accounts I held with them, my credit score dropped XXXX, XXXX, and XXXX points with the 3 major bureaus. This substantial drop caused my credit rating to drop from " Good '' to " Poor '', leading other credit providers I had relationships with to believe I had become a greater risk than I actually am, so several of them lowered the amount of credit they had extended to me, with one of them also deciding to close the account I held with them. In total on top of the amount of credit I lost when Synchrony closed my accounts, I also lost access to {$58000.00} of credit from other credits thanks to Synchrony. Add that to what Synchrony itself took away and my access to credit dropped {$110000.00}. Why is this important? Because by causing all this damage to my credit profile Synchrony has destroyed my financial situation and ironically has now made me a high risk of failure to pay. It is my assertion that Synchrony knew or should have known, how their actions would impact my credit profile and the damage they would do or were likely to do but did so anyways, solely for their own financial benefit. By knowingly destroying my financial stability, Synchrony knew they would leave me unable to payoff the {$18000.00} in current promotional deferred interest plans on my Care Credit card, before the promotional period ends, which they and/ or their network of merchants under their employ directly or by contract, selected for me without my knowledge or consent to whatever promotional terms, including the length of the promotional they felt like, without any input from myself. This means that they stand to earn {$3300.00} in interest from me that is currently being deferred, and would have been paid off before then end of the promotional period, had 1 I selected the term length and 2. they not have substantially damaged my credit with their actions. Synchrony 's actions are the very definition of " Unfair, Deceptive, or Abusive Acts or Practices ''.
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| 07/24/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Older American |
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A Synchrony/Lowes debt that was somehow in my name was sold to XXXX XXXX, which was the first time I heard about it, late fall early winter XXXX. According to the statements XXXX mailed to me, the Lowes purchases were apparently made on XX/XX/XXXX ( invoice XXXX ) and XX/XX/XXXX ( invoice XXXX ), totaling {$630.00}, at Lowes XXXX Store # XXXX. I never applied for credit with Synchrony/Lowes and never received a card. This was identity theft. I do not know when XXXX XXXX bought the " debt, '' but Synchrony Bank sold the debt to XXXX XXXX. I have reported the ID theft to XXXX County XXXX ( Case # XXXX ), but the officer at first said since it didn't happen in XXXX County, to contact you. She is simply confused because there is a second leg to this and I hope you will investigate the whole picture. I reiterated to the officer that the Lowes credit card fraud/ID theft appears to have happened in XXXX County and that the fraudulent purchases appear to have been made in the XXXX store, which is in XXXX, XXXX County. She appears to be making a report now but I don't know for sure. When I disputed the debt with XXXX XXXX, they wrote that a payment had been made on the account, and that meant the debt was " verified. '' I looked up my XXXX XXXX XXXX business banking account and found a payment of {$72.00} made to Synchrony/Lowes on XX/XX/XXXX, using my business banking debit card. I did not notice that debit before then because I was extremely busy, not getting much sleep, and no time to be going over bank records every month. I also didn't know how a credit card payment could could have been paid with my business checking account debit card, as I'm pretty sure I pay for credit cards using the actual bank account information rather than the debit card. Looking at the statements XXXX mailed to me, I immediately noted a few discrepancies with the account, the charges, and the payment : ( 1 ) the address on the statements was my home address, which I never used because I had a bad neighbor who was having his kids steal our mail ; ( 2 ) the statement that noted the {$72.00} payment stated it as made by phone and I NEVER IN MY ENTIRE LIFE PAID A CREDIT CARD BY PHONE ; ( 3 ) the items purchased ( I have tried to get receipts with more detail but could not because the account has been closed with Synchrony ) look like the type of items that would be easy to sell ; and ( 4 ) the items purchased were not anything I would have used at home or in the shop. I also note that I didn't buy at Lowes because being an XXXX, I shopped at XXXX XXXX if at a big box store. Lowes had more homebody products. I didn't even buy pipe at Lowes because it was made with cheap steel that had a tendency to fail. The bill is now over {$1000.00} with interest tagged on and XXXX has started suit, so they are tacking on however much more for costs of suit, in addition to the {$170.00} I was forced to cough up in court fees to file an Answer to the Complaint.
Now for the internet fraud part of the scam. There is a second debt with Synchrony/Amazon, still with Synchrony but probably soon to be sold to XXXX XXXX. I never applied for or received a card for that one, either. It appears to have been opened in about XX/XX/XXXX. I recently found three emailed statements from Synchrony/Amazon in one of my email accounts, the one I used for Amazon ( I have, by the way, quit Amazon totally because of the Synchrony account ). I had not noticed the statements previously because they came from Amazon Customer Service and I didn't read them as I was getting a lot of emails from Amazon. I have researched my emails from Amazon and not one single order was in any of the amounts in the statements, and all order confirmations were accounted for, paid through my XXXX XXXX XXXX business account. Amazon 's monthly account summaries for the months of XXXX and XX/XX/XXXX, which are the two months covered in Synchrony/Amazon 's statements, show that I am missing order confirmation ( s ) of {$40.00} in purchase ( s ) for XXXX ; XXXX balances perfectly with my orders, nothing missing or added. This is what I think happened - someone at Synchrony or XXXX used the Synchrony/Amazon account as follows : The last statement from Synchrony/Amazon ( dated XX/XX/XXXX with a due date of XX/XX/XXXX ) shows a minimum payment due of {$73.00} - the {$72.00} supposed payment to Synchrony/Lowes plus {$1.00}. My XXXX XXXX XXXX business account debit card was saved with Amazon. I believe that either Synchrony or XXXX " verified '' the bogus Synchrony/Lowes credit card debt in order to collect on the balance from me. To date, all entities involved have declined to tell me what phone numbers were used in the {$72.00} payment that was somehow taken from my business checking account debit card ( I have phone records from that time period ), when and how the Synchrony credit accounts were opened ( any agreement, signature, contract? ), and what the exact purchases were ; or what phone numbers and addresses were given at the time those accounts were opened. I have reported the fraud to Synchrony Bank, which is investigating both accounts as fraud ; and Lowes, which is investigating the Lowes account as fraud. Lowes stated that since the account had been closed they could no longer access detailed information on the purchases made. I am in the process of drafting discovery requests ( what a waste of my time and energy ) but do not have much faith that I will get the documentation or answers I need because the attorneys for XXXX are blatantly stating that Synchrony no longer owns the debt and since XXXX purchased the debt it has the right to collect no matter what the circumstances. I'm assuming that means XXXX will not produce any proof not in its favor.
Of note, I tried to get the suit stopped by telling them the credit card debt was a result of ID theft and they, XXXX XXXX 's attorneys : XXXX, XXXX XXXX XXXX, XXXX, told me I could fill out a theft affidavit. They sent one to me finally after two requests ( I think they were trying to buy time so the case they filed against me would default ), and every page stated at the bottom " DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY. '' I decline to give up my rights to administrative help by filling out and having my signature on their theft affidavit notarized. Isn't that an illegal practice? Long story short, I'm reporting to the " FTC '' /CFPB. Of note, the Complaint filed by XXXX, XXXX for XXXX does not have a contract or agreement attached, or even the Synchrony 's statements.
Fighting this thing is taking up a lot of valuable time. Also, XXXX, XXXX has not changed to my mailing address as requested, and continues to send all court documents to my home address. Because I get very little mail at the house, I did not know they had responded to my request of the court to dismiss the case for several days and I had to scramble to make up a cursory reply for service same day. I hope the Court understands.
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| 09/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I XXXX XXXX entered a consumer credit transaction with PayPal ( " Synchrony Bank '' ) on XX/XX/XXXX. I investigated and found fraud and several violations committed by PayPal ( Synchrony Bank ). A consumer credit transaction in which finance charged was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction the finance charge does not include cash, Synchrony Bank ( Pay Pal ) in fact took electronic cash from me as monthly payments as shown in Exhibit F. 15 USC 1666d ( b ) states Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer. Synchrony Bank ( Pay Pal ) in fact produced false and misleading statements that I owe the alleged debt on a positive balance due, Synchrony Bank ( Pay Pal ) has failed to provide me with a credit to my account and has failed to make a good faith effort to refund to me by cash, check, or money order any part of the amount of the credit balance remaining as shown in Exhibit A and Exhibit F. 15 USC 1692c ( c ) ; ceasing Communication if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Synchrony Bank ( PayPal ) in fact continues to communicate with me after Synchrony Bank ( Pay Pal ) acknowledged on XXXX XXXX XXXX stating the account was not previously coded for cease and desist as shown in Exhibit D. Also, Synchrony Bank ( PayPal ) stated in Exhibit D they plan to continue to send me future communications as shown in Exhibit B and C. 15 USC 1692d ( 1 ) ; the use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Synchrony Bank ( Pay Pal ) in fact has sabotaged my reputation by threatening to report as shown in Exhibit A and is reporting fraudulent and delinquent information to third parties as shown in Exhibit E. 15 USC 1692d ( 2 ) ; a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Synchrony Bank ( Pay Pal ) in fact has harassed and abused me in connection with collection of the alleged debt by using obscene language as shown in Exhibit A and Exhibit B. 15 USC 1692e ( 2 ) ( A ) ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. The false representation of ( A ) the character, amount, or legal status of any debt. Synchrony Bank ( Pay Pal ) in fact has provided me with a false representation on the amount of the alleged debt as shown in Exhibit A. 15 USC 1692e ( 10 ) ; the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Synchrony Bank ( Pay Pal ) in fact has provided me with false and deceptive statements in connection with the collection of the alleged debt as shown in Exhibit A. 15 USC 1692f ( 1 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Synchrony Bank ( Pay Pal ) in fact attempts unfair debt collection monthly as shown in Exhibit A and Exhibit F. 15 USC 1692f ( 7 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. ( 7 ) Communicating with a consumer regarding a debt by post card. Synchrony Bank ( Pay Pal ) in fact has communicated with me regarding the alleged debt by post card as shown in Exhibit C. 15 USC 1692f ( 8 ) ; a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Synchrony Bank ( Pay Pal ) in fact uses a symbol other than the debt collectors address and it indicates that Synchrony Bank ( Pay Pal ) is in the debt collection business on an envelope when communicating with me via physical mail and telegram ( e-mail ) as shown in Exhibit B and Exhibit C. 15 USC 1692h ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer. Synchrony Bank ( Pay Pal ) in fact has applied such payments to the alleged debt / disputed by me as shown in Exhibit A and Exhibit XXXX I have disputed the alleged debt since XX/XX/XXXX, as shown in Exhibit XXXX In addition, Synchrony Bank XXXX Pay Pal ) has failed to apply such payment in accordance with my directions as shown in Exhibit XXXX The following attachments were received by Pay Pal Synchrony Bank : Affidavit of Truth, Invoice, Cease and Desist Letter, Exhibit A, B, C, D, E and F on XX/XX/XXXX. Synchrony Bank has failed to provide me with a response to the Affidavit of Truth and continues to commit the violations mentioned above. I will also attach the return receipt signed by a Pay Pal Synchrony Bank employee and the certified mail receipt I receive from USPS.
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| 02/18/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Confusing or missing disclosures
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Web |
Older American |
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I've used PayPal Credit over the past couple of years to make purchases on XXXX based on offers of no interest credit I was offered on multiple purchases. I've borrowed and paid back several thousand dollars. This past XXXX I was offered a " 24 month with no interest and equal monthly payments '' promotion provided I spent over {$600.00} which I took advantage of. I made purchases totaling {$2200.00} and was told I would have 24 equal payments of {$92.00}. Subsequent to that purchase I also agreed to use PayPal Credit to purchase items using their " 6 months with no interest if paid in full '' which, about the same time I made the 24 month purchase, they started saying there would be a " minimum payment '' with these 6 month promotions. Previously, those promotions would be " 6 months no interest and no payments '' if paid in full - which I always have done. While I wasn't sure how they would calculate the minimum payments on the 6 month items I assumed whatever payments I would make would apply to the balances of those items and reduce the amount I needed to pay them off during the sixth month time period. After I got notice of the first month with a minimum payment that exceeded the {$92.00} on the 24 month promotion I made a payment in excess of that minimum simply so I could calculate how they allocated the different amounts - meaning, how much would go to each purchase as there were multiple purchases on the 6 month promotions. I was stunned to see that they applied nearly the entire amount of the payment - {$450.00} - to the 24 month items. I first emailed them and got a " canned '' response stating that the payment would be applied to the 24 month item and if I wanted to " re-allocate '' the payment, I could do so after the next statement billing cycle. While I thought that strange ( and, when I looked back, not all of the {$450.00} payment was applied to the 24 month items, but instead about {$390.00}. I was never able to figure out, looking at the statement, how they planned to allocate the payment ) I then called and had the payment re-allocated with the intention the minimum on the 24 month items would be paid first and the rest would go toward the first items due, which was in early XXXX. This happened the next month as well and I ended up calling and having the payment re-allocated ( I thought ) with the first part of the payment being the {$92.00} on the 24 month promotion. Looking back on the statements, I'm still very confused as to how they're allocating the payments ( and, I get a different explanation each time I call ) - but, at that time, when I called I made an additional payment while I had the representative on the phone. He told me simply to call in each month and they could allocate the money exactly as I wished - with any payment over the {$92.00} being allocated to the 6 month items as I requested. This month, on XX/XX/XXXX I had a minimum payment of {$260.00} due, so I called in and made a payment of {$1000.00} which would make the minimum payment on the 24 month promotion ( the {$92.00} ) plus pay off all of what was due on XX/XX/XXXX. I was assured by the representative that would be what happened. When I checked back a couple days later almost the entire payment amount had been applied to the 24 month promotion. So, I started a chain of " messages '' ( emails? ) via PayPal 's website requesting they allocate the payment as I had requested. After three or four messages the allocation was changed to the entire " minimum payment '' - including whatever was required because of the purchases using the 6 month promotions - being applied to the 24 month promotion and then the rest going to the XXXX items - leaving a balance of a bit over {$160.00} on the XXXX items. I then called in an attempt to get all the money I had intended go to the XXXX items applied as I had agreed with the PayPal representative who I originally scheduled the payment with over the phone. After feeling as if the person I was talking to didn't understand what my intentions were I requested to talk to a manager who then told me their rules require them to apply ALL of the " minimum payment '' to the items with recurring monthly payments - the items I AGREED to terms which said I would have 24 EQUAL monthly payments of {$92.00}. The manager stated that until I had paid off the 24 month promotion this is how the initial part of any payment would be allocated - therefore, essentially, changing the terms of the agreement. Obviously, PayPal feels the FACT they offered me a promotion which called for the 24 months of EQUAL payments of {$92.00} was not anything resembling a contract or firm agreement. By my calculations, depending on how long it takes me to pay off the items I purchased using their 6 month promotion ( the last ones are due to paid off by XX/XX/XXXX ) I might have paid an additional ( almost ) {$1000.00} over the agreed amount of the payments on the 24 month promotion. Additionally, after going through this with the manager I looked more closely at how PayPal has been allocating the payments thus far, and it's hard to understand what they're doing. I don't believe they are allocating the payments in any way according to what I've been told or even according to what the manager explained to me. I do believe my total amount owed is correct, but their statements are not clear as to how these payments are being distributed. Additionally, I find NOTHING on the statement which would tell me how they were going to allocate the payments - meaning their decision to apply ALL of the minimum to the 24 month promotions seems arbitrary and certainly was nothing I agreed to or would have agreed to. I've made the purchases and I will pay off all these items, but I really object to them forcing me to pay the additional money each month in order to be able to pay off the items I purchased on the six month deals. I believe it is an attempt to make it more likely I will end up paying interest on some of the items because, as I said, I'm going to have to come up with close to {$1000.00} more than budgeted to be able to pay off the six month items on time. And, then, I have no idea how PayPal plans to deal with what's left of the 24 month promotion payments, because, obviously, I will have paid much more than the agreed upon {$92.00} per month. This last month the excess I ended up paying over the {$92.00} was {$160.00}. I would say, I find this practice dishonest at best and likely fraudulent. Obviously, with PayPal 24 equal monthly payments isn't really that. The interest for anyone who doesn't pay off the items in the 6 months is close to 30 % and, I find it offensive that it appears PayPal is attempting to create situations where people are more likely going to end up paying this interest. Finally, after looking more closely at the statements, I find PayPal 's entire system confusing and, very possibly, arbitrary.
|
| 11/04/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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Dear Federal Consumer Protection Agency, the SEC AND the US ATTORNEY GENERAL : SUBJECT : This is a complicated complaint that goes back at least ten years or moree, regarding CONSPIRACY TO DEFRAUD THE PUBLIC BY XXXX COMPANIES AND BACKED BY A RELATIONSHIP WHEREBY XXXX HAS THE ABILITY, TO INFLUENCE CROOKED, BIASED, FAKE INVESTIGATIONS OF DISPUTES BY XXXX XXXX ... WHICH IS INEXCUSABLE ( maybe criminal and or criminally prosecutable AND a WINNABLE CASE, in my opinion?? ).
If in fact rebate scam system exist, I demand it be fixed and the parties who WERE, ARE AND SELF ENRICHED ON TH EBACKS OF A rebate scam, WILL SAY, IKNEW NOTHING, AND I KNOW NOTYHING BE CLAWED BACK FOR STEALING OR I WILL NOT LET THIS GO UNREPLVED. which generates billions of Dollars in charges and interest income.
I THINK ANYBODY WHO CAN PROVE THEY WERE rebate scammed BY lowes AND OR WITH XXXX XXXX AS THE credit CARD ISSUER, SHOULD BE ENTITLED TO ten times, PLUS {$100.00} PUNITIVE DAMAGES, THE original rebate they never got AND THAT MAY SET A PRECEDENT TO STOP ALL REBATE SCAMs, NATIONALLY.
THIS EMANATED after Lowes used their windows instead in BAIT AND SWITCH TRICK BY XXXX AT XXXX XXXX, NC store in XXXX, NC North CAROLINA, WHICH IS WHY i PROTESTED THE BILL IN XXXX, AND JUST RECENTLY RE-PROTESTED AND REOPEN THE CRIMINALLY CLOSED FRAUDULENTLY ATTEMPTED TO CLOSE, NOT CLOSED ANYMORE CASE, XXXX XXXX JUST REOPENED, WHICH WAS FRAUDULENTLY perpetrated as a BAIT and Switch scheme to make more money and sell me a non branded product, I did not want, did not ask for and then charge me for poor workmanship and NO-show subcontractors, and scammed regarding my ring doorbell in the Lowes rebate scam system.
1-SYNCHRONY DECISION IS WEIGHTED AND WAS NEGATIVELY INFLUENCED, by the fact of investigating nothing, ( a provable fact ) AND INFLUENCED IN LOWES FAVOR BY XXXX XXXX, primarily due to their symbiotic relationship which is criminally influenced by their monetary relationship ( because they don't want to " go against Lowes Customer service from Lowes Executive offices and personnel regarding my almost a YEAR OLD COMPLAINT REGARDING REBATE FRAUD WHICH I ALLEGED WAS PERPETRATED, 100 % knowingly, by the past and present, executive customer service department at Lowes Executive Offices, ALL past and present CFOs, COOs and executive management at owes Companies, started and lead by the CEO who recently retired after 25 years in XXXX, XXXX ; BY XXXX XXXX AND MAINTAINED KNOWINGLY BY THE CEO OF LOWES, XXXX XXXX, WHO I GAVE NOTICE MULTIPLE TIMES IF I COMPLAINED HE SHOULD HAVE ALL REVENUE HE EARNED from stock options, stock warrants for performance and any performance bonuses clawed back as far as the law will ALLOW RETROACTIVELY, WITH A STOP DATE OF XX/XX/XXXX ; ALONG WITH AND ALL SENIOR CFOs, COO< PAST AND PRESENT WHO EXECUTED BUYING AND SELLING STOCK AT ANY TIME WITHIN THIS PERIOD, WHO ALSO PROFITED FORM SCREWING THE PUBLIC IN WHAT I HAVE ACRONYM-ED THE " LOWES NO SERVICE, REBATE SCAM '', FOR PERPETRATING BY DESIGN AND PROFIT MOTIVATED BANK AND CLIENT ORIENTED LACK OF COOPERATION, UNETHICAL ACTIVITY, AND OR CRIMINALLY PROSECUTABLE ... ) LOWES Rebate Scam System is intact, and unfixed, and still ongoing.
Lowes is still screwing the public in rebates with zero service, everyday., in the IS BLATANT a STRATEGIC ERROR I TRIED TO ASK THEM NICELY..
" TO FIX ''.
I reiterate, THIS EMANATED after Lowes used their windows instead in BAIT AND SWITCH TRICK BY XXXX AT XXXX XXXX, NC store in XXXX, NC North CAROLINA, WHICH IS WHY i PROTESTED THE BILL IN XXXX, AND JUST RECENTLY RE-PROTESTED AND REOPEN THE CRIMINALLY CLOSED FRAUDULENTLY ATTEMPTED TO CLOSE, NOT CLOSED ANYMORE CASE, XXXX XXXX JUST REOPENED, WHICH WAS FRAUDULENTLY perpetrated as a BAIT and Switch scheme to make more money and sell me a non branded product, I did not want, did not ask for and then charge me for poor workmanship and NO-show subcontractors, and scammed regarding my ring doorbell in the Lowes rebate scam system.
TO BE CHANGED WITHOUT MY consent and with " NO NOTICE TO ME ''.
LOWES WAS attempting to be " CHANGING THE TERMS OF THE CREDIT CARD PURCHASE '', ALONG WITH THE REBATE FRAUD THEY PERPETRATED AND EVENTUALITY REMEDIED AFTER asking for Lowes to fix their REBATE SCAM SYSTEM and My rebate they fraudulently advertised AND FRAUDULENTLY DECLINED WITH JUST STATING " MY REBATE CLAIM WAS NOT SUBMITTED PROPERLY ".
WAIT A MOMENT!! THAT REBATE WAS FILED FOR BY THE STORE EMPLOYEE AT THE TIME OF THE PURCHASE!!! What??!!. Please INVESTIGATE THAT, SPECIFICALLY.
Their display showed that the XXXX REBATE WAS PART OF THE DEAL!!
in their store which a Lowes employee filed for me when i bought {$3000.00} worth of appliances in the Lowes XXXX, store, around last year around the end of week of XXXX XXXX ; Even the Lowes employee who filed my rebate for me, in the store at the time of purchase, ( I wanted the FREE RING DOORBELL, for my Flip ) thought it was legitimate. That ; s how good they fooled the public in the LOWES REBATE SCAM SYSTEM of FALSE ADVERTISING. I have photographic proof of this, ..
That is why you are reading this FEDERAL COMPLAINT now.
" I ALSO ASKED LOWES TO Please FIX THEIR REBATE FRAUD SCAM AND lOWES REFUSE TO FIX A SCAM. that is a fact, a provable fact ''.
this was perpetrated, BY XXXX AT LOWES CUSTOMER SERVICE IN LOWES EXECUTIVE OFFICES,, manufactured windows they sued instead ; windows they used and put in sloppily ... OF XXXX WHICH I PERSONALLY NEVER AUTHORIZED PUT THE WRONG WINDOWS IN A HOUSE FLIP I FLIPPED IN XXXX AND XXXX AND ALSO CAUSED ME AND MY COMPANY 42 DAYS OF DELAYS AND COST ME TENS OF THOUSANDS OF DOLLARS AS WELL AS INSTALLING THE WRONG WINDOW WHICH i PROTESTED AND LOWES HAS REFUSE TO TAKE REPREHENSIBILITY FOR, IN A CREDIT CARD SCAM WHEREBY LOWES TOLD SYNCHRONY SHOULD START CHARGING ME INTERESTS IN STEAD OF DOING WHAT WAS LEGAL, ETHICAL AND " THE RIGHT THING TO DO '' ANY LACK OF SERVICE BY DESIGN ( DESIGNED WITH OBFUSCATION, LYING, NO INVESTIGATING - INVESTIGATED WHEN IN FACT NOT INVESTIGATING, ERRORS, OMISSIONS STRATEGY DESIGNED TO FRUSTRATE REBATE CUSTOMERS FOR SMALL AMOUNTS OF MONEY WHICH CUMULATIVELY EQUALS BILLIONS. WHEN DESIGNED TO XXXX THE PUBLIC WITH REBATE SCAMS NEEDS TO BE ADDRESSES NOW WITH TENACITY SO ALL REBATE SCAMS ARE TERMINATED SINCE THEY ARE RAMPANT AND OFTEN GO UN-PROSECUTED LOWES AND SYNCHRONY BANK NEED TO BE THE LANDMARK CASE ON WHAT " NOT TO DO ANYMORE!!! '' LACK OF SERVICE KNOWINGLY CROOKED REBATE SCAM '' CLAWED BACK AS PUNISHMENT FOR SCREWING THE PUBLIC WITH " no service, service regarding all rebates issued since the year XXXX to the present ( TOADY XX/XX/XXXX ) which i am reporting here and now as whistle blower pursuant to the whistle blower act of XXXX amended in XXXX or XXXX by Congress ) which generates billions of Dollars in charges and interest income.
|
| 02/12/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
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I am writing to you to dispute {$1000.00} of new purchases that appeared on my billing statement that ended XX/XX/XXXX. There have been several issues with this account and numerous calls to Customer Service. I am going to lay out the entire history of the issues that have occurred over the past few months.
1. I have had to call every month to have payments applied when I have regular transactions and promotional purchases. I have several credit cards and you are the only one where this is not an automatic thing.
a. It seems that you hope that your customers wont be diligent about their accounts so that you can charge them more interest.
b. I had to do this after I received my statement ending XX/XX/XXXX. I was assessed {$2.00} in interest. I called the second that I downloaded the statement to have the payments applied correctly and the interest charge reversed. This reversal wasnt done until my second call on XX/XX/XXXX. It appears on my statement ending XX/XX/XXXX.
2. I had a large purchase that I needed to make to my vet ( XXXX XXXX XXXX XXXX ) so I called to find out what dollar amount I needed to transfer so that my payments would not be held. This is a practice where XXXX XXXX gets ACH payments but will not adjust the available balance for at least 10 days. It was critical that I have the funds available to pay for this large purchase. I was told that the amount was {$500.00}.
a. I scheduled {$500.00} payments to take place on XX/XX/XXXX ( before due date ), XX/XX/XXXX ( payment due date ), XX/XX/XXXX ; and a payment of {$170.00} scheduled for XX/XX/XXXX. This would have provided the available balance that I needed to cover the purchase that I needed to make.
b. I had to call Customer Service every day starting XX/XX/XXXX because my available balance was not changing. After 2 days of calls, an agent adjusted my available balance for 1 of the {$500.00} payments. I couldnt have Synchrony bank double dip by taking funds from my account but not allowing me to have access to those funds. On the suggestion of the Customer Service Manager, I cancelled the XX/XX/XXXX payment and had my bank reverse the ACH that occurred on XX/XX/XXXX. This was so that I could cover the purchase at XXXX XXXX between my bank account and my Care Credit card. As I stated each time I have called Customer Service every day since XX/XX/XXXX, all of the cancelled payments and reversals would have been reversed if XXXX XXXX would just give me access to my funds. From the time that I opened by account in XX/XX/XXXX until XX/XX/XXXX, I had never had a payment returned or rejected by my bank. Had I been given access to my funds, none of the subsequent issues with this account would have happened.
c. When I received my statement ending XX/XX/XXXX, I noticed that XXXX XXXX had chosen to mark the payment that was on time ( XX/XX/XXXX ) as reversed and had inexplicably shown a payment posting on XX/XX/XXXX ( no payment was made on that date ). This was after the due date so I was assessed a late fee and interest on purchases.
d. I called to have the late payment and interest charges reversed because the payment was not late. I also followed up because the {$2.00} of interest charges that were assessed on my statement ending XX/XX/XXXX had not yet been reversed. These were my only requests regarding this account. I was told that it could take up to two billing statements for my account to be corrected.
e. As of the statement ending XX/XX/XXXX my ending balance according to my statement was {$3500.00} and my records show a balance of {$3400.00}. The discrepancy between my Synchrony statement and my records was only {$44.00} which is detailed below : f. I have also included an XXXX spreadsheet starting with statement ending XX/XX/XXXX to show the detail behind the {$3400.00} balance from my records since, at this point, the balance was only comprised of promotional balances and one regular purchase with a balance of {$120.00} ( original purchase {$130.00} ). Again, the only difference between my records and Synchronys was {$44.00} in interest and late fees that been incorrectly assessed on my account.
3. When I received my statement ending XX/XX/XXXX, I printed out the statement but didnt call Customer Service. Although the statement didnt match my records, I was going to give them time to get the issues from the statement ending XX/XX/XXXX resolved.
a. I can see the interest charges of {$2.00} and {$4.00} reversed along with the late fee of {$38.00}. And the payments that I made ( {$500.00} on XX/XX/XXXX and {$160.00} on XX/XX/XXXX ).
b. The difference between the statement ending XX/XX/XXXX and my records is {$1100.00}. Even though the detail is provided, I am at a loss to explain where this most of this activity is coming from. Obviously, someone at Synchrony bank was making some goofy calculations. I have no idea why they were doing so. The end result is that my balance went up by {$1000.00} due to new purchases when no new purchases were made. Even if I wanted to make any new purchases, I would not have been able to because my account was over the limit.
c. This overstatement of my balance caused my minimum payment to be overcalculated. I made my payment on XX/XX/XXXX of {$97.00} because this will ensure that my remaining promotional balance that expires on XX/XX/XXXX will be paid on time.
4. When I received my statement ending XX/XX/XXXX, I again called Customer Service. It had been enough time for all of the issues to be rectified. The difference between my records and the Synchrony statement is {$1000.00}.
a. Detail is : b. On XX/XX/XXXX Customer Service agreed to reverse the interest charges and late fees assessed due to the minimum payment being incorrectly calculated because the outstanding balance is overstated by {$1000.00}. I will expect to see those charges reversed on my XX/XX/XXXX statement.
c. No one can adequately explain where the additional {$1000.00} added to my statement ending XX/XX/XXXX came from. I was told that it was because I had requested a re-allocation of payments in XX/XX/XXXX. I did no such thing. Plus, even if I had, the outstanding balance on this account would be unchanged.
d. In addition, the promotional balances on my account are extremely inaccurate. I have enclosed detail of how the payments should have been logically applied. What I find most concerning is that my statement ending XX/XX/XXXX shows my promotional balances that is much higher than the initial purchase amount for the transaction dated XX/XX/XXXX. When I pointed this out to the Customer Service Manager on XX/XX/XXXX, I was told that this was because they updated information from the doctors office. I stated that this wasnt possible and I have enclosed a copy of that original receipt for that transaction.
|
| 08/31/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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In XX/XX/XXXX I bought a new mattress from XXXX XXXX on XXXX XXXX, XXXX XXXXand the store financed it. They advertise heavily in this area that you can exchange any bed or return if you are unhappy. So I bought the bed that was supposedly the best made product and it felt pretty good in the store.
I was told that it generally took a few weeks even months to get used to a new bed but I would have as much time as I needed to feel happy with it.
I was not told, I MUST keep the bed any length of time even if I was unhappy with it They recommend you try it for 3-4 mos before return or exchange.
I hated this bed after the first night, I could not sleep on it, I was sore all over so Just a short time later I exchanged it for a more expensive bed and paid a fee for the exchange.
This bed was just as bad and I totally regretted my purchase and tried to just RETURN it within / no exchange. The clerk said I should keep it for a few more MONTHS to '' break the bed in '' as the beds in their store are all broken in and feel different than a new mattress like I had. I could exchange it later if I was not happy.
I tried to do this, but I was miserable and a short time later I went to the store and explained to her that I was losing lots of sleep and very sore, I did not want this bed.
I also informed her that I had received XXXX XXXX statements that were confusing and incorrect from XXXX XXXX/ and some from Syncrony andI had been in touch with Syncrony and made a couple of modest pmts as they requested regarding the exchange and. I asked her to call them as I was concerned because everytime I talked to 'XXXX XXXX ' I was talking to foreign agents who quoted me different info regarding the amount I owed and the terms which were supposed to be interest free for 3 yrs but some of the statements were for 2 yrs.
She called Syncrony from her store while I was present. She had trouble getting to a person in 'customer service ' .She said they might not talk to her however someone did. They gave her confusing info which she was unable to clear up. It now seems to me they would not change the 'terms ' due to something about the inner store " promotions '' .She also talked to them about the confusing statements and terms and amounts and fees, but nothing was really cleared up. She just said to call them myself or just start paying on it. This did not satisfy me.
I insisted on a return of the mattress so she called her Manager at XXXX XXXX, XXXX XXXX, in their XXXX Tn., store for help. I went to see him and he made another exchange of bed for me and assured me the problem with the statements would be cleared up and there would be credits on my statements as I was purchasing a less expensive more traditional mattress.This was by now XX/XX/XXXX.
XXXX XXXX I contacted XXXX . XX/XX/XXXXsd nothing had changed and I showed him all the different statements and charges I was receiving from Syncrony and I requested to return this bed and just get out of any dealings with XXXX XXXX because I was still not happy with the product as they said I would be and every month the statements were wrong and each month different, and I could not get any satisfaction from Syncrony bank although I had file disputes. I also told him that the agents for synchrony did not understand what I was saying to them they just wanted a payment even tho the account was in dispute.
XXXX XXXX XXXX spoke with a XXXX XXXX at synchrony, who refused to give her ID number She told him he could not talk to customer service because I was in 'collections ' until I PAID WHAT THEY SAID I OWED even if we said it was not correct and no credits for exchange were given and disputes were filed. She insisted payments be made before we could talk to customer service.
XXXX XXXX XXXX told Syncrony with me present that Syncrony had not credited me with any returns, and that I did not owe the amounts they were trying to collect and there was no interest to be charged, and the term to pay was wrong. He still was not allowed to talk to customer service.
I asked him to return the bed for me. He refused and said to wait for Syncrony to correct the problem.
Since then I called Syncrony myself and was told by an agent who freely offered her name, ( XXXX XXXX, ohio office ), that there is a dispute and no payments were due until the dispute is settled.
Since then I have been called by 'foreign ' agents for Syncrony who called me to get a payment. He said he refiled the dispute because my acct did NOT show it was in dispute.
It is now XX/XX/XXXX and I have never received any correspondence or info regarding any conversations or ( dis XXXX agreements with XXXX XXXX or Syncrony re ; my 3 disputes and attempts to return the mattress.
I sincerely believe that for a Store to use Syncrony Bank to finance merchandise it advertises as guaranteed satisfaction/performance, is misleading the public.
The merchant only stands behind the product until you get home with it or perhaps 15-30 days even tho it is GURANTEED for longer periods.
The purchaser does not realize that he no longer owes the merchant because merchant has received his money, instead purchaser must now pay Syncrony bank even if disputed, and can incur late fees, or changed/incorrect terms or interest fees.
There is NO ONE TO MAKE THE MERCHANT PERFORM because he apparently does not control the price, terms or money anymore, and he is not willing to refund money the store received so he may not, or is not required to stand behind his product for reasonable or promised periods.
Also it is not explained in full /understood by the purchaser, that even tho the synchrony credit is only available for that store, YOU OWE SYNCRONY JUST LIKE ANY OTHER CREDIT CARD and can not dispute it or change it without the stores co-operation which would perhaps require a refund to synchrony for various charges like supposed late fees, interest etc THAT MAY NOT BE BEEN CORRECT.
This was NOTexplained or fully understood by me and the return exchange was puffed up to be more of a gurantee of my satisfaction than it actually was.
It is unacceptable to NOT allow merchants and customers to talk to ' customer service ' in such instances. If the bank just acts as a credit card the purchase is pretty final and Apparently customer service is only able to quote the original charge and try to collect without benefit of 'corrections ' BECAUSE they have already paid the merchant who no longer has any liability toward the purchaser.
I have learned during this experience that Syncrony Bank has hundreds of merchants using this process of financing. I think This is fraud. I WILL NEVER BUY ANY MERCHANDISE THAT I MAY EXPECT TO BE GURANTEED TO MEET MY SATISFACTION THAT IS FINANCED THRU THEM AGAIN
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| 02/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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My complaint relates to a number of fraudulent purchases that were made on a Synchrony Bank credit card that was opened in partnership with XXXX XXXX. This instance of fraud involves Synchrony Bank, XXXX XXXX, and XXXX XXXX. In sum, I never received the Synchrony Bank Credit Card that I opened via XXXX XXXX, multiple fraudulent charges were made at a XXXX XXXX in Illinois, I disputed those charges immediately upon becoming aware of them, and my fraud claim with Synchrony Bank has been denied twice. A timeline of the fraud claim is detailed below : On XX/XX/XXXX, after a number of emails with an XXXX XXXX employee regarding current promotions on merchandise at the store, my wife and I decided on two products to purchase. On the same date, the XXXX XXXX employee drafted an invoice.
During this time, my wife and I decided that we would take advantage of XXXX XXXX ' twelve-month no interest financing on the purchase of the aforementioned items. We were advised by the XXXX XXXX employee that the financing required us to open a credit card with Synchrony Bank.
On XX/XX/XXXX, in the early afternoon, my wife and I contacted Synchrony Bank and opened a credit line in my name.
On XX/XX/XXXX, in the early afternoon, my wife and I called the XXXX XXXX employee to finalize the purchase. That employee took the card information and printed the invoice that afternoon. The product was scheduled to be delivered to our home on XX/XX/XXXX. It was delivered without issue.
I never received the credit card from Synchrony Bank in the mail. I attempted to call Synchrony Bank to obtain my account information in order to check the account, but was told to wait for the credit card or my first statement.
On or about XX/XX/XXXX, I received my first Synchrony Bank statement, dated XX/XX/XXXX. It was at this time that I first realized that fraudulent purchases were made on my account. The legitimate purchase, made at XXXX XXXX, equated to {$2900.00}. The account balance reflected on my first Synchrony Bank statement equated to {$5600.00}. This amount included a fraudulent charge of {$2600.00} made at a XXXX XXXX in Illinois.
I immediately called Synchrony Bank, advised them of the fraudulent purchase, and of the fact that the only legitimate purchase or action taken with that card was the XXXX XXXX purchase.
Synchrony advised me that they would immediately cancel that credit card and issue me a new card, which I received a few days later. They further advised me that there were a number of attempted purchases made at the same XXXX XXXX which were denied due to the card only having a {$6500.00} credit limit.
On or about XX/XX/XXXX, I received another letter from Synchrony Bank indicating that a request was made, and denied, to increase the credit line on my account.
On or about the same date, I received a letter from Synchrony Bank indicating the following We understand experiencing fraud can be upsetting and we want to assure you the Synchrony Fraud Team is here to help. With our {$0.00} Fraud Liability benefit, youre never responsible for unauthorized charges. The letter further indicated that, among other actions, Synchrony had opened a fraud claim.
On or about the same date, I called Synchrony Bank to advise them that I received a letter indicating that a credit limit increase was requested and denied. I advised that I did not make that request.
On or about XX/XX/XXXX, I received a Fraud Investigation Form from Synchrony Bank, noting that the investigation could take up to 90 days. I immediately completed the form, indicating that I never received the card, and the three charges listed on the form that were made at XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, totalling {$3500.00} were fraudulent. I immediately returned the completed form to Synchrony Bank via fax, and later confirmed receipt.
Following this date, I called Synchrony Bank numerous times to determine the status of the fraud investigation. I was repeatedly told I needed to wait until completion of the investigation.
On or about XX/XX/XXXX, I received a letter from Synchrony Bank stating that the fraud claim review was complete. The Synchrony Fraud Team reviewed and denied my fraud claim, claiming that I authorized, participated in, or benefited from the purchase.
At this time, the fraudulent charges were transferred to the new Synchrony Bank account. Ultimately, a total of {$4100.00} of charges and a {$2.00} interest charge were added to my new Synchrony Bank account. Of note, a {$590.00} fraudulent XXXX XXXX charge was added in duplicate. So, not only was it fraudulent, by Synchrony Bank erroneously added that charge twice.
I immediately called Synchrony Bank and reiterated that the charges made at XXXX XXXX were fraudulent. After an extended conversation, the Synchrony Fraud Team agreed to reopen my fraud claim.
On or about XX/XX/XXXX, I received another letter from Synchrony Bank, which was identical to the XX/XX/XXXX letter, indicating that a fraud claim was opened.
On or about the same date, I called XXXX XXXX and explained the situation to the sales associate who completed our purchase, as well as the general manager of the store. They provided me with another number to call in the Synchrony Bank Fraud Department. From my understanding, this number was for a liaison between XXXX XXXX and Synchrony Bank. I called and spoke to that person, who immediately did not want to speak with me because I was calling her on an internal line. I explained my situation to her, and per her, she took extensive notes and provided my statements to the Synchrony Fraud Department.
Since this time, I have called the Synchrony Bank Fraud Department multiple times and was told to wait until completion of the investigation.
On XX/XX/XXXX, I received a call from the Synchrony Fraud Team. They advised that the Fraud Team was finalizing the investigation, but before doing so asked me a number of additional questions which I had answered numerous times on their recorded lines.
On XX/XX/XXXX, I received a letter from Synchrony Bank stating that the fraud claim review was complete. The Synchrony Fraud Team reviewed and denied my fraud claim, claiming that I authorized, participated in, or benefited from the purchase.
During this time period, I have in good faith made three {$400.00} payments totalling {$1200.00} to Synchrony Bank toward the legitimate purchase that I made at XXXX XXXX. The legitimate purchase in the amount of {$2900.00}, less the {$1200.00} payment, equates to {$1700.00}. Due to the transfer of the fraudulent purchases, along with the erroneous duplicative {$590.00} charge added by Synchrony Bank, the current balance as of XX/XX/XXXX is {$5200.00}, or a difference of {$3500.00}.
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| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
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Last year, in order my XXXX office provided Care Credit to provide payments for my wife 's XXXX. We were approved, I thought the payments were made through the XXXX office, and were unaware that they were made to Synchrony Bank directly.
So ... even though my credit score at the time of my house closing in XX/XX/XXXX was XXXX ... .and even though I have been approved for a car loan, dump truck loan, office purchase loan of XXXX, and a track hoe loan through lending institutions, and even though my payments to XXXX XXXX on my XXXX credit limit card have always been made 20 days or more in advance ... .and even though all of my bank payments have been on time, auto draft ... ..and even though all my building accounts are current ... .you XXXX XXXX were able to drop my score 93 points for missing a payment I did not even know existed. I hope you rot and XXXX in XXXX and I hope I am the one to send you there, and I will work diligently to put you out of business Synchrony bank and anyone who supports you. I will work to get your business removed from XXXX XXXX ... no matter how many rounds of golf and drinks you have together.
The whole XXXX system is rigged against you. The only thing that should matter is your payments being made on time.
And why does it take months and years to build credit ... .and five seconds to destroy it ... .and why has my score been going down as I have been acquiring more credit. The XXXX tell you that getting new credit raises your score ... ..they lie. And they are able to judge your score without even knowing your debt to income ratio ... I mean if whats more important ... .your use of credit level % ... ..or your ability to pay it off????
What in the XXXX does credit shopping have to do with a credit score????? I?????????
If you don't take on new debt, or too much debt ... .maybe there is nothing wrong.
We should be rewarded for shopping around for credit ... .not punished.
What is the XXXX does maxing out your line of credit on occasion have to do with being a credit risk????????????????????
How can you allow anyone to drop your score by 93 points for missing a payment you don't even know you are supposed to make. I caught it up immediately ... .but the damage is done. And now with the XXXX XXXX XXXX Coronavirus ... ..that SBA loan and my house refinance that would save us {$500.00} dollars a month on our house payment and lower our debt to equity ratio ... .my ability to survive on the back side of this disaster I had nothing to do with??? I will do to you what you did to me but with the idea that you do not stay in business. How many jobs would that be at Synchrony bank ... .you win one law suit ... and all the others come out of the woodworks ... .right?? Class action ... social media posting ... .an evening news cast ( TV ) portraying what you do to people??? / I will eventually testify before Congress and I will make sure I make the networks allow me to tell others about you.
I also have a Synchrony account at Lowes Hdw ... ..which I was lied to about.
Lowes Hdw told me I was opening a builders account ... ..like I have at 4 other material suppliers. They never mentioned it was a credit card ... .lying XXXX 's.
Even worse ... .Synchrony only allows autopay to be set up directly to your checking account. They will not take a credit card payment ... .meaning I don't get to collect and make points from my Lowes payment through XXXX XXXX XXXX payments ... ..like the XXXX miles that flew my wife and kids to my wife 's home country of XXXX for XXXX XXXX .without points, impossible. For that reason ... lowes hdw looses about {$100000.00} in business from me a year. I have 5 other builder accounts. The only reason I shop at lowes is either job site convenience ... .or the other suppliers don't carry what lowes does.
So ... .never mind my perfect payment history ... perfect. Never mind I did not even know that I was supposed to pay this account. Never mind that synchrony chooses to stay in the ice age and not set up auto pay through means other than bank draft.
XXXX would not play nice ... .so we are going to ding him 93 points in one 30 day reporting period for being 30 days late??????????
Oh my XXXX ... the algorithms say his in distress, he is in trouble ... .he is going down ... .lets down grade him. Lets not find out what the XXXX is actually going on ... .lets not tell him that we were calling on a separate account he did not know he even had ... .both in Synchrony bank ... .lets just drop his score right when his XXXX taxes are fixing to be done and filed ... and he is going to refinance his house ... and he needs an SBA assistance loan to survive the Coronavirus .... XXXX you all and may it be done unto you as you do to others. You punish those who do right for the sins ( thats why you make the rules ... the sins of others ) of others.
How arrogant a system who relies on blind algorithm and rules instead of checking in to see what is going on.
Its like relying on math to see if your kids are ok, rather than getting off your lazy arrogant XXXX to just walk into the bedroom, kiss them good night ... and talk to them in person.
Its like firing someone bases on what an algorithm says, rather than any basis or reason. Oh ... the math was not in favor for you today ... .you are fired ... .you are chosen to XXXX.
And since when does shopping for credit mean you are desperate??????? Lets see ... .oh ... they use of credit combined with shopping ... the math says thats dangerous and desperate ... .so lets punish him.
Anyway ... ..93 points in a 30 day reporting period short of not making any payments and filing for bankruptcy ... .is stupid, arcane, arrogant ... and criminal. You are either with me or against me in this fight.
I just won out all by myself against XXXX XXXX trying to bully me on XXXX XXXX, lying on what my bank statement showed ... .and I got a full refund. They thought they could win too.They transferred me to 8 different people in 6 different office locations over 8 months, each time making me start the complaint process over again and threatening to put it on my credit.
I am at war with anyone who supports this evil system of destroying people and holding them back for no reason ... ..and you are either with me or against me. And I never ever lose.
If you have any freiking power or can actually do something ... .then please give me a call. Otherwise ... don't waste my time ... and pass me along to someone who can do something. I don't need this to go through your sloth slow bureaucracy people die waiting for action system and process. I need XXXX help right now, yesterday..I don't need for this to come off my credit in 60-90 days ... .it needs to go right now.
|
| 05/02/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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Synchrony bank, and LOWES corporate office has provided false information regarding state and federal complaints. They have provided the consumer federal protection bureau with false information in order to have an investigation closed out under false pretenses. They have claimed that they can not respond due to pre-litigation, or a lawsuit has been filed. This is completely false, and neither, LOWES, nor synchrony bank have been served with any documents from any attorney at this time, or at the time that they responded. They are lying, providing false information, in order to close out cases against them, as well as federal investigation LOWES and synchrony bank, continue to commit fraud, breach of contract, deceptive sales practices, and have used bait and switch tactics which has resulted in nearly {$9000.00} of financial loss for me. They continue to commit crimes against their own customers, and in this case, have refused to provide products and services that were purchased on my Lowes credit card. I have paid over {$3000.00} since XX/XX/XXXX and have received no products, service, and my home has been destroyed by this company. LOWES is refusing to cooperate in an insurance claim and has refused to repair the damages. Their claims adjuster, XXXX, XXXX, is refusing all communication and has refused to re-order products and provide service and Installation. XXXX, XXXX, and executive XXXX XXXX have escalated this issue to the point to where civil litigation will be necessary to resolve this matter..
In regards to the original sale of these products and services, that were to be provided by LOWES, their sales personnel at the XXXX XXXX store, used bait and switch tactics. I originally purchased a laminate flooring that was advertised as a display within their store. I made this purchase using my LOWES synchrony credit card. For several months, this product went without being ordered by the sales person and XXXX XXXX XXXX. Months afterwards I received word that the product that had been sold to me, and that was on display for sale was being discontinued at the beginning of the year. They refused to provide a product that I had purchased and that was paid for. I was told by the sales person identified as XXXXXXXX that I would have to pick out another laminate. She only directed me towards flooring that was of a higher price than the original product that I had purchased. At no time did she show me a product that was lower in price, or close to the same of what I had already paid she repeatedly used bait and switch tactics and use these unlawful tactics to persuade me to buy a product that was higher in price. LOWES has been sued for sales practices such as these in a class action lawsuit. Recently, they were ordered by the courts to pay customers {$1.00} XXXX in damages. Clearly, this company didnt learn a thing from the class action lawsuit, that they just lost, as they continue to conduct bait and switch tactics against their customers and commit fraud.
I have a legal binding contract, reference my purchase of product service and Installation from LOWES. They refuse to honor this contract, provide services, and are refusing to even honor a warranty. Four months, I have had water damage in my home that they have refused to address. They have already admitted, fault, but refused to address and fix what they have damaged. I have thousands of dollars worth of damage in my home from an incompetent and unqualified installer. Adding to this, LOWES is not conducting proper background and criminal background checks on their employees and installers. The person that they hired to install my bait and switch flooring was completely on qualified, unlicensed, and was he convicted criminal. This man flooded my house on three separate occasions. This man has destroyed my house, making it unsafe. I have sustained physical injury from what this man has done and the defects reference installation in my home. LOWES associates and claims adjuster, XXXX XXXX even stated in a recorded phone call that this was the worst Installation hes ever seen and his XXXXXXXX XXXX could have done better. LOWES has destroyed my home. XXXX XXXX, should be terminated from his position due to his negligence and complete unprofessionalism and incompetence. He has not resolve this issue, nor attempted to resolve this issue properly. Rather, he has escalated matter to civil litigation. It has also been noted that XXXX XXXX is refusing to provide documentation that is relevant to this insurance claim. An adjuster from XXXX and company came to my home to assess the damage. A report was submitted on these damages. XXXX, XXXX, is refusing to provide these documents to me as they pertain to my home, this open claim and damages that occurred. XXXX XXXX is now refusing all communication. In a previous conversation, XXXX, XXXX was made aware that I am a retired law-enforcement officer. After making this known, I became aware that XXXX XXXX was no longer listening as I spoke with him, and I could hear him typing in the background. Hearing that he was typing a message to someone on his keyboard, I stated that I would let him go, since he was no longer Listening he responded by saying I was noting that you were a police officer. XXXX, XXXX clearly has some sort of personal issue, or vendetta against law enforcement officers. He has made that clear, his actions and words throughout this entire process..
At this time, they ( lowes ) are refusing to fix the damage, have not ordered, or provided replacement products, services, and they have refused to address the thousands of dollars of water damage caused by their negligent installer. LOWES has committed numerous Crimes, which includes bait and switch tactics, fraud, deceptive, sales practices, breach of contract, and gross negligence. I have retained an attorney to pursue LOWES and synchrony bank for the crimes that they have committed. As I have stated, I have already paid over {$3000.00} for products and services that were never rendered, and have a balance of {$5000.00} for products that will not be provided an installation that will not be conducted. This bank needs to void out any balance that remains and return the over {$3000.00} that I have paid. My home is destroyed because of this company and has sustained thousands of dollars in damage and water damage. They will be held liable in civil court for their crimes. I am demanding that my money be returned that I have paid on the balance of this credit card and the remaining balance of {$5000.00} be deleted. After this is processed, this account needs to be closed. I will be suing this company and will never give them my business again.
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Account name : SYNCB/JCPENNEY Account number : XXXX Account type : Charge Card Responsibility : Individual Date opened : XX/XX/XXXX Status : Paid, Closed.
Status updated : XX/XX/XXXX I have disputed an account I had opened with SYNCB/JCPENNEY since it was closed and the account has never been removed from my credit report. I opened this card on XX/XX/XXXX to begin building credit. All of my payments were on time and I never missed a payment. I called SYNCB/ JCPENNEY customer service multiple times to inquire why they were reporting my payment as late to the credit bureaus when I was paying on time. SYNCB/JCPENNEY informed me they would verify this and update me as why this was occurring. However, SYNCB/JCPENNEY never updated me as to why my payment history was incorrect. I eventually requested for the account to be closed due to the constant errors of SYNCB/ JCPENNEY . I have disputed this through SYNCB/ JCPENNEY , XXXX XXXX XXXX, and XXXX since the account was closed in XXXX. SYNCB/ JCPENNEY has reported to XXXX XXXX XXXX, and XXXX that my payment history was verified but it was never verified. I then requested additional information about the method of verification used. SYNCB/ JCPENNEY XXXX XXXX XXXX XXXX, and XXXX were required to respond within 15 days. SYNCB/ JCPENNEY XXXX XXXX XXXX XXXX XXXX and XXXX failed to provide this information in a timely and responsive manner, which are violations of federal regulations. SYNCB/ JCPENNEY has violated Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) ( i ) of the Fair Credit Reporting Act. SYNCB/ JCPENNEY has failed in their duty to furnish accurate information to the credit bureaus. SYNCB/ JCPENNEY has also failed in their required duties upon notice of a dispute through a credit reporting agency and their required duties upon notice of a dispute from a consumer ( direct disputes ). SYNCB/ JCPENNEY also failed to send me a negative information notice informing me of the negative information they would be reporting to nationwide consumer reporting agencies. XXXX, XXXX, and XXXX have failed in their required duties and examination procedures to verify the accuracy of the information reported to them from SYNCB/ JCPENNEY XXXX I have listed below the exact federal codes of the Fair Credit Reporting Act, that SYNCB/ JCPENNEY , XXXX XXXX XXXX XXXX and XXXX have violated : CFPB Consumer Laws and Regulations Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.
b. delete the item of information.
c. permanently block the reporting of that item of information.
Duties upon notice of dispute from a consumer ( direct disputes ) Section 623 ( a ) ( 8 ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ; 12 CFR 1022.43 General rule. A furnisher must conduct a reasonable investigation of a direct dispute ( unless exceptions, described later, apply ) if the dispute relates to : 1. the consumers liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; 2. the terms of a credit account or other debt with the furnisher, such as, direct disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; 3. the consumers performance or other conduct concerning an account or other relationship with the furnisher such as, direct disputes relating to the current payment status, high balance, payment date, the payment amount, or the date an account was opened or closed ; or 4. any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information.
Institutions may provide this disclosure on or with any notice of default, any billing statement, or any other materials provided to the customer, as long as the notice is clear and conspicuous. Institutions may also choose to provide this notice to all customers as an abundance of caution. However, financial institutions may not include this notice in the initial disclosures provided under Section 127 ( a ) of the Truth in Lending Act.
CFPB Examination Procedures Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 1 ) ( ii ) 1. If the entity provides negative information to a nationwide consumer reporting agency, verify that the entitys policies and procedures ensure that the appropriate notices are provided to consumers.
2. If procedural weaknesses or other risks requiring further investigation are noted, review a sample of notices provided to consumers to determine compliance with the technical content and timing requirements.
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| 09/23/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/XXXX I ordered a cocktail table in XXXX of XXXX and I did not receive it until XX/XX/XXXX because of covid there was a backorder on the table. When I did receive the table it was missing a board so i was not able to assemble it so they sent me a new board fine while the board was still too long to assemble the table so I told them I just wanted to send the entire table back and exchange it for another table for another table XXXX XXXX with Ashley furniture said that was fine so they ordered me another table And they actually assembled it for me thinking I apparently didn't know what I was doing but regardless they assembled this table they sent it assembled they delivered it While I was at work so when I got home from work I noticed that the table was assembled backwards the top of it didn't lift off the correct way it was lifting away from me instead of towards me like it was supposed to so I called XXXX again or I emailed her actually and told her that it was assembled backwards I would like to have another exchange so she put in an order for another exchange but workmanship on the table was so bad. I have pictures of it and I sent them to XXXX told her that they shouldn't be letting stuff like this go out of their facility I mean the wood was all chipped up the screws had broken the wood to where it was split and they just tried to fix it, they still sent me the table I rejected that one as well. They sent me a 3rd table in which again the wood was all nicked up the veneer was peeling away from the top of the table and the corner 's were all scuffed so I just told XXXX I would like to return the table and just get a credit on my account I didn't want to keep the table I would just order another table at a different time she said that was fine mind you, I initially ordered this table in XXXX of XXXX I did not get the 1st table until XX/XX/XXXX of XXXX i received another table on I received another table on XX/XX/XXXX and I received another table XX/XX/XXXX All 3 tables were returned to the 2 Ashley furniture and my account was charged {$210.00} for the table On XX/XX/XXXX and then they did apply a credit for {$210.00} on XX/XX/XXXX This would have made the account balance correct. I ordered a gaming chair on XX/XX/XXXX and I ordered another cocktail table on XX/XX/XXXX both were {$210.00} each then I made a payment for {$240.00} on XX/XX/XXXX because I had bought a power recliner for {$530.00} And the no interest if paid within one year, a promotion, was almost up so I had {$240.00} to pay on that so I did pay that up on on XX/XX/XXXX so I wouldn't be charged interest.. well then on XX/XX/XXXX my account was charged {$210.00} cents and it was noted as a balanced adjustment Purchase Transaction number XXXX XXXX XXXX. This is when I called Ashley furniture and I talked to XXXX. XX/XX/XXXX I had ordered a bench after I had ordered all the other things mentioned above and I got a note from Ashley telling me that the bench was discontinued so therefore I was not going to be receiving the bench which is fine I was fine with that but they charged my account for it is what XXXX said and that was for order XXXX she says she was going to be sending a form to synchrony because They could see the credit was issued but it was never applied to my account so she had to send this special form to synchrony to request that the funds be released and credited to my account. a few weeks went by I still hadn't heard nothing I called back I talked to XXXX who in turn talked to her manager who said the manager was on the phone with synchrony bank right now as we were talking and they were letting them know that they need to release these funds because it was a credit I shouldn't have received a charge for the bench. So I waited a couple more weeks still no credit I finally email synchrony bank and tell them my situation and in the meantime I'm disputing this {$210.00} but they will not credit it to my account they're saying that everything is right it's correct I'm pretty much wrong so I keep emailing them and I tell them this last time that I'm going to contact the CFPD because their records are not correct they are overcharging me by {$210.00} and they need to look into their records because they're wrong my account balance should of been {$450.00} XXXX finally get a response from a corporate person at synchrony bank XXXX XXXX XXXX XXXX XXXX XXXX extension XXXX and that was on XX/XX/XXXX and XXXX telling me that I'm wrong here is a breakout of all the charges and credits and payments and if I had anymore questions please feel free to contact him so I email him back with my breakdown because his breakdown does not show the balance adjustment purchase that was done to my account on XX/XX/XXXX of {$210.00}. That's nowhere on the information that he sent me and I will attach a copy of that if that's an option at The end so I am going to send you the information I have as far as paperwork goes I'm going to list the debits that synchrony bank is showing : On XX/XX/XXXX the balance was {$710.00}. {$210.00} XX/XX/XXXX charge, XX/XX/XXXX I was charged a credit of $ ( XXXX ) because they charged me for interest and it was supposed to be interested free if I paid in 12 months There was a credit on my account for ( {$210.00} ) on XX/XX/XXXX. There was a purchase of {$210.00} on XX/XX/XXXX & XXXX XX/XX/XXXX there was a payment {$240.00} on XX/XX/XXXX there was a balance adjustment purchase of {$210.00}, on XX/XX/XXXX there was an interest charge and XX/XX/XXXX there was a interest charge credit, those were both {$5.00} my current balance {$550.00} now that balance is over by {$210.00}. I just want to be credited my account the correct amount I've been making my payments regardless of the dispute regardless of whatever I just want the {$210.00} credited to my account its right there black-and-white that they overcharge me for that amount and I want it back I didn't buy the table therefore I shouldn't be charged for it and it seems like I'm getting the run around I've talked to 4 or 5 people with Ashley I've emailed probably 3 different people with synchrony bank and nobody 's giving me any answers nobody 's helping me, this has been going on since XXXX last year. I need answers I want to know why I was charged in XX/XX/XXXX {$210.00} cents what was it that I bought And why was I charged at all because according to my records I didn't buy anything for that amount in XXXX. Thank you for your time I appreciate you helping me look into this and trying to get answers from the creditor. In the meantime they lower my credit limit and list me as over the limit! XXXX XXXX
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| 05/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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In XX/XX/XXXX, I received a billing from Synchrony Bank/Chevron and Texaco Visa indicating that there was a credit card in my name at an address that I have not lived at since early XXXX, over 20 years ago ( Exhibit A ). The person who bought my house in XXXX hand-delivered this bill to me in XX/XX/XXXX at the address at which I have lived since early XXXX. This bill indicated that there was a balance of {$6000.00} on this account, which was shown as the card limit, with a payment due on XX/XX/XXXX.
I immediately went online and disputed this transaction through my credit monitoring company, XXXX. I also drafted a letter and forwarded it by certified mail to Synchrony in XXXX XXXXXXXX at the address on the back of the billing statement identified as the location to which to direct billing mistakes ( Exhibits B & C ).
In response, I received a letter from Synchrony dated XX/XX/XXXX ( Exhibit D ), indicating that they had received notice of my dispute, closed the account, and directed the major credit bureaus to remove the account for my credit report, and advised me that it would take up to 60 days to complete the process.
A few days later in XXXX, I received a billing statement ( Exhibit E ) ( which the buyer of my old home put in my mailbox as it was still addressed to my 20 year old address ) reflecting that the {$6000.00} debt on this account had been XXXX out. I naturally assumed, of course, that the {$6000.00} credit was in response to the online and/or the written disputes that I had earlier entered/forwarded, and that this matter was now resolved.
Several months later, in XX/XX/XXXX, my XXXX credit monitoring service sent me an alert that the debt was still on my credit report, and that the credit bureaus were indicating that someone had been making payments on the account and then billing charges substantially in excess of the credit limit ( over {$12000.00} ). As a result of that alert that Synchrony had had been receiving payments, and permitting additional charges to be made on an account in my name that Synchrony had represented that Synchrony had closed, I made a phone call to Synchrony and, after being transferred through multiple different parties, finally spoke with an individual who was representing himself as being part of Synchrony 's fraud department. He indicated that the case had been investigated and that the claim I had made had been denied. Apparently, the denial letter was ( still being ) sent to my 20-year-old address, as I never received it. When I expressed that I had already been advised in writing that the account was closed, that I had not lived at this address for 20 years, and that I had sent Synchrony a certified mail letter 2 months earlier, he indicated that the letter I had sent to the address on the back of the billing statement was not the proper address for filing my billing claim, which was demonstrably untrue.
I told the Synchrony representative that somebody obviously used my name and a 20-year-old address to apply for a credit card in my name. I insisted ( as I had in my XXXX certified mail letter ) on seeing a copy of the application that was filed for this card, to confirm that my signature was not on it. Additionally, I asked the Synchrony representative to note that somebody had been making payments on this card between XXXX and XXXX, and that person wasn't me, and that it should not be difficult to trace the source of those payments to the individual who was committing this fraud in my name, but I got nowhere with this supposed fraud department representative, except to be advised that he would send complaint paperwork to my current address and that I had to start the dispute process all over again. I was, understandably, very angry at this point.
So, I again wrote to Synchrony 's Fraud Department on XX/XX/XXXX ( copy included in attached documents ), by certified mail, laying out all these facts, and attaching each of the referenced documents and certified mail return receipts. I also sent them copies of my credit reporting agency 's report still showing 2 of the 3 credit reporting agencies reporting the account as delinquent, and advising Synchrony that this reported " default '' was affecting my credit rating on both of those two accounts by at least 50 points from my XXXX rating of approximately XXXX by these 3 agencies. I noted that I had recently refinanced my home mortgage to take advantage of the historically low interest rates, and this lower credit score resulted in my having to accept a higher interest rate than I would have qualified for with my previously stellar credit rating.
Again ... .crickets. No deletion from my credit reports, and no copies of the application or payment identity documents I had repeatedly requested. They clearly did not care that they had made all the mistakes, not me, and had made no effort to simply check into the paperwork opening the account, and/or into who is making the payments on the account, to confirm this account was not, and had never been, mine.
Then, by letter dated XX/XX/XXXX ( copy enclosed ), I received the first letter in this matter mailed to my current address ( for the past 20 years ), but instead of being the documentation i had requested on multiple occasions which would easily prove the fraud, it was a collection letter from XXXX advising me that " my '' {$12000.00} account balance had been placed by Synchrony with XXXX for collection. While I immediately wrote the demand letter to XXXX with a complete history and all this documentation demanding they get the documents from Synchrony ( XX/XX/XXXX letter enclosed XXXX, at this point I have no expectation of Synchrony 's compliance at this point, either.
In the meantime, I have, as shown on the copies of credit entries by my reporting service, a Synchrony account shown as closed and current ( presumably the one related to their original letter to me advising the account was closed ) and a second entry indicating the account is delinquent. They do not reflect the entire account numbers for these two entries, so I can not tell whether there are actually two separate accounts, or two erroneous entries on the same account.
Please help me. Please ask Synchrony to provide proof of their application, and of all source information on the account payments and purchases. Any one of these items should make the fraud clear. Thank you ( and it is not lost on me that, after sending correspondence to Synchrony letting them know that I am a lawyer, and they still blow me off, how difficult it must be for many Americans to deal with these companies - so thank you for you ).
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| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/XXXX : Made an in store purchase of a sofa and its matching ottoman totaling {$2000.00} using a company credit card in which I was approved for during this same purchase. I was instructed by the store manager that he could get the sofa delivered for next round of deliveries happening on that Friday.
On XX/XX/XXXX : I waited all day for the delivery. I kept calling the delivery dispatch for an eta. I was told the delivery truck would call me at least 30 minutes prior to arrival. The evening approached, I called back and the representative then told me I was never receiving a delivery that day. I called the store and was told all the pieces werent available to deliver so it was never scheduled. This wasnt communicated to me before spending all day waiting for another delivery.
On XX/XX/XXXXXXXX : I emailed the contact provided to me for Ashley furnitures management. I wanted to discuss how I was given a delivery date that was upheld without any communication alerting me and was given false information. That email was never responded to.
XX/XX/XXXX : The delivery truck arrived to my home. I had to await the opening of the correct entrance by the security at my home. The driver could not wait and left without delivering.
XX/XX/XXXX : delivery was rescheduled to happen this day. It is being alleged that the sectional was delivered to me. I believe it was done so to the incorrect unit as I never received the items. I called the store, spoke to a manager again and instructed to just cancel the order as I never received the item and its been too much of a hassle. I was told the item isnt returnable nor could I receive another delivery. I am at this point being told Ill remain charged for an item I never received.
To note : the photo provided to me by XXXX XXXX shows the sofa in a different unit that mine. A representative named XXXX advised me that the signature made at the delivery time did not match mine. The photo taken by the delivery team does not identify the correct unit number as they did not photograph that key information as well. Essentially a neighbor interceded my delivery and kept an item Im being charged for. I contacted my local authorities to make a report and they advised me I needed proof for a report. I again contacted Ashley furniture.
On XX/XX/XXXX : I contacted Ashley furniture for their supporting proof of the alleged delivery. They refused to send it to me and advised me to contact synchrony bank for further assistance with the matter.
On XX/XX/XXXX : I mailed a letter to the address provided by synchrony bank ; explaining the situation, requesting an investigation and the proofs of delivery. This request went unanswered.
I proceeded to call synchrony to open a dispute. I was told a dispute had been created. In XXXX of XXXX I was still billed and proceeded to call synchrony bank again.
At the end of the investigation, the findings left severe inaccurate derogatory late marks and a charge off on my credit report.
I submitted multiple disputes with the crediting over the course of a year and 8 months.
On XX/XX/XXXX : after reviewing my credit report I contacted both synchrony bank and Ashley furniture to further investigate.
XXXX XXXX of Synchrony bank advised me another dispute of the charge would be opened and that she could not provide me with the alleged proofs of delivery.
XXXX at the XXXX location advised me that shed have to direct me to the correct store I purchased the sofa from but the signature on the proof of delivery did not match my signature made at the time of purchase. She then transferred me to the correct XXXX store I purchased from. I received a voicemail and proceeded to look up the number to the customer service of Ashley furniture.
On XX/XX/XXXX : I was directed to XXXX XXXX via phone of the collections department at the corporate headquarters. I explained the situation and told her I needed a copy of the alleged signed proof of delivery as I had previously been altered that the signature didnt match mine. She responded by telling me she could email it to me but that non matching really doesnt matter as her electronic signatures look different all the time. I then proceeded to ask her to exchange photos as I was sure the one they have did not match my unit. I texted a photo of the kitchen as I searched for other photos of the home as I dont live there anymore. She responded to me with the photo of the delivery and I texted her a photo taken in my unit of both the replacement sectional I had to purchase and the background from the the living room. The backgrounds do not match and its clear the sofa was delivered to a unit different from the one I lived in. She had to speak with her manager named XXXX and give me a call back.
She called me back within the same hour and let me know that although the photos do not match, theres nothing they could do. I proceeded to remind her to email me the signed proof of delivery as she previously stated shed do and she told me yes, Ill send it by tomorrow morning. I then asked if I could myself speak with the manager she spoke with, she told me no. I asked whats the reasoning, she told me she was in a meeting. She also told me the manager advised me to contact XXXX XXXX for further assistance. I asked what would I contact XXXX bank for? She then apologized for her mistake and that she meant synchrony bank. I asked how can I contact Ashleys corporate office. She gave me a number to call. I confirmed one last time that shed send me the signed proof of delivery before we disconnected the call.
XX/XX/XXXX : I called the phone number XXXX provided me to contact their corporate office. I was given an email address. This was the same email I sent a request for assistance to with this matter months ago as never received a response. I still send another email requesting assistance and a follow up. I also submitted a request over the phone at this time for a return contact from the corporate office. I was instructed that someone would give me a call back within 24-48 business hours or 1-2 business days- she wasnt certain which one.
XX/XX/XXXXXXXX : XXXX XXXX followed up with me via email. But instead of sending the document I requested and she agreed to sending me, she sent me the original proof of purchase that I signed on XX/XX/XXXX, not a signed proof off delivery. I then reminded her this wasnt the form she agreed to send me, she then proceeded to be untruthful in response and tell me I didnt request a signed proof of delivery but that I requested a proof of purchase which is totally untrue.
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| 10/19/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a total of 5 purchases for Generators from XXXX ( XXXX 's XXXX ). The first transaction was made on XX/XX/23. XXXX XXXX # XXXX. Total for this order with warranty was {$1000.00}. Received the generator. Subsequently ( a few days after arrival, during the hurricane, the unit began to fail. I reached out to the seller ( XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX and requested a replacement. Instead, they suggested to return for a refund. I returned, and they refunded.
Before this unit failed, I really liked the unit, and wanted to get a few more, so I could keep on hand, use a few, and sell the others to neighbors.
On XX/XX/XXXX, I made 4 additional orders for generators. The price had come down from {$990.00} for the unit from the previous transaction to {$690.00} as of this date. The seller was no longer XXXX XXXX XXXX XXXX, however a company named XXXX, XXXX.
As this seemed like a great deal, I purchased 2 generators under XXXX XXXX XXXX XXXX, with Warranties, for a total of {$1500.00}.
I purchased another 2 generators under XXXX XXXX XXXX XXXX, with Warranties, for a total of {$1500.00}.
I purchased a single generator & warranty under XXXX XXXX XXXX XXXX, with a warranty for a total of {$780.00}.
Lastly, I purchased a single generator & warranty under XXXX XXXX XXXX XXXX, with a warranty for a total of {$780.00}.
After making these purchases, I was a bit skeptical about how the generators could have dropped almost {$300.00}. As I researched XXXX, XXXX on the internet, I could immediately tell that I made a bad decision, and that this was an illegitimate company. Numerous reviews shared that a tracking number was provided, however nothing actually arrived, etc. Unfortunately now, I am unable to share that detail with you, as XXXX has removed this seller from their marketplace, due to their fraudulent transactions.
I immediately became concerned, and wrote to XXXX, XXXX on XX/XX/XXXX requesting to cancel all of these transactions. Of the XXXX transactions, they only responded to XXXX requests for cancellation.
Specific to Order # XXXX, I sent the message to cancel through the XXXX XXXX : Dear XXXX XXXX, We've contacted XXXX XXXX on your behalf for the order below. Someone from their team will contact you within 4XXXX hours.
Customer Order Number : XXXX Reason for Contact : Cancel my order Item name/number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Message sent to seller : Cancellation is requested Thank you, XXXX Customer Care Team XXXX replied the same day with the agreement to cancel : You have a message from XXXX XXXX - XXXX XXXX XXXX Order Id : XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Customer, Thank you for doing business with us. We have cancelled your order upon your request. Feel free to contact us for any issues. Your patience is highly appreciated. Looking forward to your positive response. Kind regards, XXXX ________________________________________ XXXX Customer Service XXXX I did the same with Order # XXXX : Dear XXXX XXXX, We've contacted XXXX XXXX on your behalf for the order below. Someone from their team will contact you within 48 hours.
Customer Order Number : XXXX Reason for Contact : Cancel my order Item name/number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Message sent to seller : Cancellation is requested Thank you, XXXX Customer Care Team XXXX Replied : You have a message from XXXX XXXX - XXXX XXXX XXXX Order Id : XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Customer, Thank you for doing business with us. We have cancelled your order upon your request. Feel free to contact us for any issues. Your patience is highly appreciated. Looking forward to your positive response. Kind regards, XXXX XXXX XXXX Customer Service Team Additionally, for order XXXX, the item showed as delivered, however nothing was ever delivered! A tracking number for this item was not provided. XXXX agreed to refund this, however still has not Lastly, for order XXXX, the item showed as delivered, however nothing was ever delivered! A tracking number was provided for this item, and validating the class of service used for delivery, USPS does not deliver anything LARGER than XXXX with the USPS Ground Advantage . The Generator weighs 211lbs. XXXX agreed to refund this, however still has not.
In my NUMEROUS correspondences with XXXX, they refuse to acknowledge these specific facts, which are detailed with supporting documentation on the attached document. They have now cancelled my XXXX account, and are no longer able to issue refunds due to the cancelled account, however do agree with my assessment that I do not have, nor NEVER received the products. I have disputed with PayPal Credit who tells me to go back to XXXX, as does XXXX tell me to go back to PayPal Credit. This is THOUSANDS of dollars! So I violated Terms of Service by requesting thousands of dollars of refunds for items I never received?
Here are some of the XXXX e-mail responses to me : XXXX XXXX, After review, I see that weve closed your account due to a history of violation of our terms and conditions. Unfortunately, XXXX cant refund to a closed account. Youll also not be able to place further orders nor receive any further refunds from XXXX. You can work with your financial institution for potential refunds. Im sorry for any inconvenience this may cause. If you have any more questions or concerns feel free to call our corporate customer service at XXXX.
hey, Thanks for contacting us about your order.
After reviewing your account ( s ) history, weve found violations of our Returns & Refunds policy and our Terms of Use. For this reason, your account has been deactivated.
This means well no longer process replacements, refunds, or adjustments of your past orders. Any future online orders may be subject to cancellation.
Dear XXXX, We have offered you the only resolution available at this time. We recommend you reach out to your financial institution once again to discuss disputing the transactions for more help getting these funds back.
Dear XXXX, Thank you for contacting us regarding orders placed with XXXX. The orders show cancelled and the seller has confirmed that they have cancelled the orders. We recommend you reach out to your financial institution to discuss disputing the transactions for more help getting these funds back.
I am at a complete loss, and am in dire need of your assistance to get this resolved and get my hard earned funds back!
Please help!!
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| 09/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I XXXX, XXXX in natural person, consumer and original creditor status MAKE OATH AND SAY THAT ; I sent SYNCHRONY BANK my affidavit of truth saying- This is a communication to cease and desist pursuant to 15 U.S. Code 1692c ( c ) This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly ; It is a fact that I the consumer, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you SYNCHRONY BANK used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the original creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit to SYNCHRONY BANK ; You SYNCHRONY BANK shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that Debt means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You SYNCHRONY BANK sent me a statement showing a positive balance. Of {$1500.00} One can not pay on a positive balance therefore if I owe the debt then it should be a negative balance, Pursuant to federal law that is the false representation on the character amount on legal status of the debt ; so you are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) False and misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.The following conduct is a violation of this section. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt, I the consumer in fact, am writing this letter Disputing any allegations and alleged debts pursuant to 15 U.S. Code 1692e ( 4 ) A statement that if the consumer notifies the debt collector in writing within a 30 day period that the debt or any portion thereof, is dispute Pursuant to 15 U.S. Code 1692e ( 5 ) A statement that, upon the consumers written request, will provide the consumer with the name and address of the original creditor by the debt collector I am requesting that you SYNCHRONY BANK provide me with the name and address of the Original creditor.
Pursuant to 15 U.S. Code 1692h If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such deb
ts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I demand that you return all payments by check to the address on file.
Pursuant to 15 U.S. Code 1692j Furnishing Deceptive Forms It Is Unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other that the creditor of such consumer is participating in the collection of or in attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating You SYNCHRONY BANK are in violation of this section.
Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you SYNCHRONY BANK are stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a Take further notice that after speaking with XXXX from XXXX synchrony bank, he used very obscene and profane language to me, which is a violation Pursuant to 15 U.S. Code 1692d ( 2 ) Harassment Or Abuse A debt collector may not engage in any conduct of which is to harass, oppress, or abuse any person in connection with the collection of the foregoing, the following conduct is a violation of this section : The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
I hereby Demand! That you SYNCHRONY BANK cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I am invoking my specified remedy as the original creditor. Also pursuant to 15 U.S. Code 1692c ( c ) ( 1 ) I advise that you terminate all further collection efforts.
Take further notice that your failure to follow these laws will result in me invoking specified remedies Pursuant to 15 U.S. Code 1692c ( 3 ). where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Pursuant to 15 U.S. Code 1692k ( A ) ( 2 ) ( A ) Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I Demand that SYNCHRONY BANK mail a check sent to the address on file of no less than {$12000.00} For Violations
|
| 04/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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1. On or before XXXX XXXX XXXX our credit card account balance at TJX Rewards Platinum MasterCard ( operated by Synchrony Ban k ) had been {$0.00}. 2. On XXXX XXXX XXXX , due to an emergency, we attempted to purchase an airline ticket to XXXX , XXXX . 3. On XXXX XXXX XXXX , my husband made a reservation to XXXX , with XXXX XXXX ... XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX ... XXXX {$760.00} and XXXX XXXX ... XXXX XXXX TX {$730.00}. 4. Both XXXX and XXXX XXXX had been canceled and the respected travel agencies have PROMPTLY REFUNDED all charges to our account on the same day on XXXX XXXX XXXX , though not appeared on the Synchrony register until several days later. 5. The third reservation we made on XXXX XXXX XXXX , XXXX XXXX ... XXXX XXXX TX {$730.00}, through XXXX a subsidiary of or agent of XXXX XXXX , to pay for the XXXX , CT to XXXX , and back ticket, as XXXX presented to me on XXXX XXXX XXXX in their itinerary. ( Copy provided to Synchrony. ) 6. On XXXX XXXX XXXX , we discovered serious defects and omissions in the paid and forwarded XXXX / XXXX provided electronic ticket. 7. On the same day, XXXX XXXX XXXX we have called and confronted XXXX to correct their negligent and incompetent mistakes. 8. XXXX t agent on XXXX XXXX XXXX , instead of promptly correct fatal blunders in the reservation and follow our verbal agreement, wanted to extract additional amounts from us for correcting the reservation so we can use it. 9. At that point, we realized that we had been fraudulently sold an airline ticket and reservation which I could not use in its dishonestly presented form such as fictional airports, inappropriate addresses given for boarding airports, inaccurate or phony address given for the location of connecting flights, and mislabeled city and state identification. 10. XXXX agent also did not followed my verbal instruction, therefore voiding our agreement, before charged my credit card. 11. Realizing that XXXX agent attempted to drag us into an illegal and unlawful Bait and switch scheme, we cancelled the reservation and DEMANDED full refund due to the ongoing fraudulent misrepresentation of the original reservation. 12. On XXXX XXXX XXXX , XXXX / XXXX XXXX by refusing to cooperate and correct their mistake FREE OF CHARGE, voided the original contract of XX/XX/XXXX , breaching and defaulting on our original agreement we had on XX/XX/XXXX . Therefore XXXX / XXXX could not use their 24-hour cancelation limit on a voided agreement, and should have promptly refunded money extracted from us by false pretense. ( Synchrony received numerous time ALL evidences supporting our claim as early as XX/XX/XXXX ) 13. On XXXX XXXX XXXX , we cancelled the voided reservation at the XXXX XXXX website which fact XXXX XXXX confirmed in their email. 14. At the same time, we informed Synchrony bank who manages TJX Rewards Platinum MasterCard, about the fraudulent charge by XXXX / XXXX . Synchrony bank received ALL the supporting evidences and information to confirm the validity our legitimate claim. 15. Shortly after reporting the disputed XXXX XXXX charge in XXXX XXXX , Synchrony Bank closed our old TJX credit card account number and credit card, and issued new account number and credit card. 16. By XXXX XXXX XXXX Synchrony Bank incompetently and negligently made a chaos of our new credit card account reinstating AS A NEW CHARGE the previously cleared and refunded charges made on XXXX XXXX XXXX 17. Synchrony bank incorrectly posted on the XXXX XXXX statement a balance transfer of {$650.00} on XX/XX/XXXX , which was the already refunded, at XX/XX/XXXX , XXXX {$610.00} + related insurance of {$44.00}, to our new TJX credit card account. Synchrony Bank has all the necessary evidence since XXXX to remove the {$650.00} erroneously applied balance transfer. 18. Adding insult to injury Synchrony Bank, unlawfully drawing automatic monthly payment of minimum due payment from our bank account since XXXX XXXX due to an erroneously posted balance transfer, disregarding our numerous warnings for the illegitimate act. 19. After XX/XX/XXXX , Synchrony Bank sent a fraud claim form that we completed and sent back. We then received a letter from Synchrony Bank Fraud investigation dept. denying our Fraud Claim, saying " Customer released account information to a third party '' was the reason given for the denial. 20. We informed Synchrony Bank several times, that credit card information was given over the phone to XXXX for a purchase. MY HUSBAND AND I MADE THE PHONE CALL. INFORMATION WAS NOT GIVEN TO A THIRD-PARTY. A fraudulent charge had been made by an employee of XXXX travel agency for a fraudulent airline ticket + insurance by XXXX on XXXX / XXXX / XXXX . 21. We canceled this purchase due to fraud. It is/was a completely a fake charge and as soon as we discovered the fact that we were duped reported the fraud on XXXX to TJX Rewards Platinum MasterCard /Synchrony Bank XXXX If the Fraud investigator would have done their work properly, he/she wouldnt arrive to the erroneous declaration. 22. Instead of proper investigation by competent investigators of Synchrony Bank, the fraudulent charge claim had been wrongfully dismissed without proper investigation, and put back into our new TJX CC account, together with two other ALREADY CLEARED and refunded completely paid charges as a new charge, around XXXX XXXX XXXX . 23. Since XXXX XXXX XXXX , Synchrony Bank intentionally and premeditatedly delays and obstructs the resolution of this issue. Our several written fraud and disputed charge complaints either never investigated properly or not retorted at al l ( like our latest written complaint on XXXX XXXX XXXX mailed to Synchrony Bank via certified mail ). 24. The personal stuff manning the Synchrony Bank provided telephone numbers to customer service, and the so called inhouse e-mail system ( which allows only a short message less than 500 characters ) woefully inadequate to resolve any issue at Synchrony Bank. Such system by Synchrony Bank serves only Synchrony Bank to make denials to fraudulent charge claims plausible, but not supported with any proper investigations and facts, giving excuses only to Synchrony Bank to illegitimately charging interests, fees, and factitious credit card charges.
|
| 08/29/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
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|
Web |
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I filed a complaint with the CFPB on XX/XX/XXXX, and Representative XXXX XXXX sent me a general email to acknowledge the receipt of my complaint and did not have any additional information for me. She made no calls to discuss the matter with me. She submitted her reply on XX/XX/XXXX and did not address ANY of the Federal Consumer Laws that were broken and my concern about my Consumer Rights being violated. I have sent her 3 emails requesting a Supervisor or Lawyer 's contact information and no reply.
I am a consumer and accountholder with Synchrony Bank. Synchrony bank sent me a letter stating that my credit was pulled as my consumer was provided as per the letter that I received in XX/XX/XXXX. No disclosure or notice was made to me nor was my permission granted. The letter stated that Synchrony Bank was closing my account. I was laid off from work on XX/XX/XXXX, due to the Coronavirus pandemic for over one year, and not one time have I EVER defaulted on my payments to Synchrony Bank. I called Synchrony Bank when I received the letter on XX/XX/XXXX, and spoke to a Representative who refused to investigate the matter any further in the Credit Department, not the Customer Service Department. My initial letter to look into this matter was addressed to the President/CEO, XXXX XXXX XXXX however, XXXX XXXX responded XXXX Her position was confusing as her email states Senior Consumer Specialist and her mailed letter merely states Office of the President. In a review of XXXX XXXX 's letter denying my request to waive my balance and remove this account as Synchrony Bank unfairly closed my account, at no time did Synchrony Bank acknowledge the Federal/ Laws that I mentioned as XXXX XXXX XXXX letter continuously referred me back to Synchrony 's TERMS AND CONDITIONS and her letter shows no remorse. Her letter implies that I have no rights as a consumer, which violates Federal Law. The following Federal Laws that Synchrony Bank has violated : 15 USC 1602 ( k ) - The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. As a result of the above-noted law, Synchrony Bank is in violation as Synchrony did not provide ANY adequate notice to inform me of their action. An electronic notification was sent to me on XX/XX/XXXX, stating that you already closed my account on XX/XX/XXXX. XXXX XXXX 's Letter reiterates the same fact that my account was closed on XX/XX/XXXX. 15 USC 1691 ( d ) ( 2 ) ( b ) ( 6 ) - Reason for adverse action ; procedure applicable; adverse action defined- ( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by ( B ) giving written notification of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request. ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. As a result of the above-noted law, Synchrony Bank is in violation as Synchrony Bank NEVER provided the identity from the office from which such statement may be obtained- Synchrony only provided the company name and contact phone number. Please see attachments from Synchrony Bank and XXXX XXXX 's subsequent letter which violates both Federal Laws. I also find it odd and concerning that it took 3 days for XXXX XXXX further " investigate '' this matter... She acknowledged receipt of my email on XX/XX/XXXX which stated the following : 'We will be responding to your concern within seven to ten business days, '' and sent a letter on XX/XX/XXXX? This is not 7-10 business days. XXXX XXXX has never spoken to me verbally and only sent me one email and a letter that was completed 3 days later after receiving my complaint. Please see the attached showing the email correspondence from XXXX XXXX which contradicts the stated response time. My question to Synchrony Bank and XXXX XXXX : why were these " terms '' NOT disclosed when I opened this line of credit in the store? Was a Representative of Synchrony present and if so, who was this Representative from Synchrony Bank to disclose this contract that you are now saying that I have with your company, Synchrony Bank? I did this PRIVATE consumer credit transaction with Rooms-To-Go, they took this information and made it public to Synchrony Bank. Wouldn't my agreement be with XXXX when this line of credit was opened in the XXXX XXXX? Isn't that misleading to NOT have an official Representative from Synchrony Bank disclose ALL of the terms and conditions in order for a consumer to make an educated choice to continue with the agreement? I have one of the sale receipts and the Terms and Conditions only reflect the agreement between myself and XXXX. No mention of Synchrony Bank. The " agreement '' that was NEVER presented to me in-store that was mailed by XXXX XXXX does not contain any clauses on accessing MY CONSUMER REPORT nor does it provide any terms that require a certain credit score and what is required to maintain this account. My first letter, after my unsuccessful call attempts to resolve this matter, resorted to me writing a letter to request that this closed account be removed and future payments are waived. As detailed and proven in my attachments, Synchrony Bank and XXXX XXXX XXXX continue to deny me my rights as a Consumer.
|
| 05/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I, XXXX XXXX, am filing a formal complaint against Synchrony Bank for not properly and fully cancelling out a loan request account, after providing Synchrony Bank and Roto Rooter with my clear and concise decision not to proceed with either the repair to fix the sewer pipe and to stop and or cancel any loans or accounts from proceeding immediately.
On XX/XX/2023, I requested that XXXX XXXX come out to my home to assess a leaky pipe connected to my home sewer.
I was advised that my main sewer line needed a new interior lining from XXXX XXXX whose office operates out of XXXX New York.
While being overly approached and intimidated by several XXXX XXXX XXXX ( XXXX ), I was provided with an astronomical quote and given an application from XXXX XXXX XXXX of XXXX XXXX to see if I had the option to get a loan with no interest to pay off the cost of the work to fix the actual pipe if I proceeded.
I was approved XX/XX/2023 same day at XXXX XXXX for the Synchrony Bank loan of {$18000.00} the amount XXXX XXXX quoted for the repair coordinated by XXXX XXXX XXXX of XXXX XXXX.
Shortly after same day, XXXX, I contacted XXXX XXXX XXXX XXXX XXXX XXXX and advised to him that I wanted to get further estimates and that I wanted to stop any proceedings having to do with the sewer pipe fix and to stop any loan /account set up activity with Synchrony Bank XXXX
I clearly in written text messages, just XXXX hours from the time the loan application and repair were quoted, advised XXXX XXXX XXXX of XXXX XXXX that I would not be signing the repair contract he just prepared and sent over to me, nor would I be moving forward with the repair or loan. My next step was to contact Synchrony Bank myself to ensure that this account would be confirmed closed, null and void. I asked XXXX XXXX XXXX of XXXX XXXX for Synchrony Banks contact information, and was refused. I was advised to XXXX it.
XX/XX/2023 at XXXX in the morning, as soon as Synchrony Bank XXXX, I called and spoke with representative XXXX XXXX XXXX to advise that this account needed to be cancelled asap and that I would not be proceeding with this repair or loan. XXXX XXXX XXXX from Synchrony Bank XXXX at that time closed the account which had a {$0.00} balance.
I confirmed with XXXX I had never signed the repair contract with XXXX XXXX.
XXXX XXXX XXXXXXXX Synchrony Bank advised that the account and loan were cancelled, however, I would need to contact XXXX XXXX to have them lift the hold for the {$18000.00} that was placed thereafter I had provided written notice to XXXX XXXX that I would not be proceeding with the repair or loan.
I was appalled that the hold was even on the account since I never signed any contracts for this pipe to be fixed with XXXX XXXX, not to mention it was XXXX hours after the XXXX XXXX tech XXXX XXXX XXXX left that I had written him via text confirming that I was not moving forward with the repair and or loan.
XXXX XXXX XXXX of XXXX XXXX acknowledged my request, and confirmed back that this request was heard and that he would advise both XXXX XXXX and Synchrony Bank of the same that I would not be moving forward, with his assurances these matters would be completely taken care of.
I contacted XXXX XXXX administration offices in XXXX New York and was transferred to the manager XXXX, who would not even give me his last name. He was clearly acting and responding very defensively, and I could tell, his best interest was not me.
I wanted to let him know directly that I would not be proceeding with fixing the sewer pipe with them and that I needed him to remove the hold on the Synchrony Bank account asap and that I had never signed contracts to fix the pipe.
XXXX, manager from XXXX XXXX assured me that he would take care of it right away and would contact the bank to remove the hold and that he would call and email me confirmation same day. I never heard back from XXXX this day as promised. I attempted to contact him again but he was not picking up the phone.
XX/XX/XXXX, still no contact from XXXX at XXXX. I again called Synchrony Bank and requested to be transferred to a manager. I was transferred to a said supervisor, XXXX ID XXXX. I asked that they ensure this account was closed and that I receive written formal confirmation the account was closed and I once again stated I would not be proceeding, nor were any contracts signed to fix the sewer pipe with XXXX XXXX.
XXXX XXXX XXXX, of Synchrony Bank XXXX tried to assure me that the account was closed but that XXXX XXXX XXXX still essentially bill Synchrony Bank XXXX and post a charge to this closed account, even though no contract was signed and the loan and was deemed cancelled.
Synchrony Bank said the only thing I could do at this point was to have these conversations noted in the closed account case note section and that I should advise XXXX XXXX the same, to lift the hold from Synchrony Bank. Being that XXXX, manager at XXXX XXXX was not cooperative, this was not an open avenue to take. I was advised to wait and see what happens and if necessary we could fight any charges posted as fraudulent activity.
I called XXXX a third time from XXXX XXXX, and was connected to him. I asked why the Synchrony Bank account still had a hold when he advised he would remove it and send me written confirmation via email. He said he would take care of this in XXXX minutes. 8 days later, still no word or confirmation from XXXX at XXXX XXXX in XXXX NY and it is extremely unhealthy for me to speak with XXXX any further.
In summary, this account that was set up prematurely with Synchrony Bank needs to be formally and entirely closed with written confirmation of such to myself. I need confirmation that no charges can be posted to this Synchrony Bank account that was requested to be closed on XX/XX/XXXX to a XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX assisting representative that coordinated communication between Synchrony Bank and myself and my clear and concise request to Synchrony Bank directly cancelling any open accounts or loans.
These events with Synchrony Bank, have caused me distress and mental and physical distraught and are continuing to do so.
If this matter is not resolved immediately and if this account is not completely closed out with no possibility of any charges posting, I will be communicating with my legal council.
I hope you can see the urgency and actions in such an important matter. These dealings have grown into a deceitful, master manipulation.
Sincerely, XXXX XXXX
|
| 06/04/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
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I purchased a product ( Vacation package with 3 airlines and 3 hotels ) that was never paid for by XXXX ( Hotel part was only reserved ) and, what was paid for ( airlines ), was all refunded or being refunded to XXXX XXXX XXXX canceled the vacation package. Customer did NOT cancel the product. I was told by XXXX they were canceling it because they obviously had to ; the product was no longer available. Per XXXX, all hotels were cancelled and refunded in full ( XXXX hotels confirms hotels were never even paid because they don't bill until you check in ). The car transfer cancelled and refunded in full also. All airlines cancelled and refunded except XXXX which has cancelled but is taking some time to issue the refund. XXXX XXXX assured me they are issuing a refund to XXXX in full but unsure of when it will occur. XXXX cancelled this vacation package and did not return my money nor any portion of it. According to their own statements, the money was all refunded except the XXXX XXXX portion which has been approved for a full refund but will take some time still. Total owed to Customer is {$3200.00} Yet, XXXX is refusing to issue the refund for a product they did not provide. I can understand if they need to wait to refund the XXXX XXXX portion since that is taking time to do so but they never paid the hotel portion and the other airlines have been refunded ( per XXXX rep, XXXX XXXX. ) Timeline of calls ( There were also multiple emails, calls and XXXX messenger messages ) XX/XX/XXXX XXXX rep says, " Right now it is looking like a refund of XXXX of the original {$3200.00}, so {$1700.00} lost but we are working on contacting airlines to get more money back '' ( Each time you speak with XXXX they seem to come up with something different than what they said before. For example. I received the call above with the information that they just needed to talk to XXXX and then would get back to me because all airlines had refunded except XXXX Instead, I received a call asking me to accept a partial credit for future travel. ) XX/XX/XXXX XXXX called to ask me to cancel my vacation. I asked, " But it has already been cancelled? How do I cancel a cancelled vacation that doesn't exist? '' XXXX agent said we need you to acknowledge that we are canceling the trip and I agreed that I understood this. XXXX was experiencing a huge backlash on XXXX from angry customers experiencing the same run around. They had to close their XXXX account this day to comments. The consensus was that XXXX was trying to get customers to self cancel their trips so that a credit card dispute would not be possible. Therefore, not surprising to see the mountains of XXXX complaints against them as well. XX/XX/XXXX Call to XXXX. I told rep that I did not want to cancel if that meant losing money. I asked about postponing the trip to this time next year and they said they would get back with me about specifics but never did. XX/XX/XXXX call to XXXX XXXX XXXX She stated, " I just need your approval of cancellation, that we want your understanding that we are canceling. '' I told XXXX I did understand this, that they were canceling. XXXX Call with XXXX XXXX. She stated, " We had to cancel for you to protect your interests, your financial interests. You will get back full, yes. The hotels are approximately {$1000.00} and the air portion {$2200.00}, just have to wait for the airlines to get back with us. '' ( XXXX said she will call me Friday XXXXth to update ) I then asked since XXXXth is a deadline as XXXX had specified so did I need to do anything. She replied, " No, just wait, will take up to 120 days to get you your refund. '' She stated that " XXXX airlines already accepted the email from XXXX to issue a full refund, so did XXXX, XXXX airline cancelled also, as did the XXXX airline. We are waiting on XXXX to get back with us ( I called XXXX myself and they said they were issuing a full refund to XXXX ). Regarding hotels, all the XXXX hotels cancelled in full. '' I asked, then when will we know something more and she said, " I will get back to you, I just have to hear from the airline. '' But then I never heard back and received an email that was referring to me taking a partial refund but it wasn't specific. She specified that all hotels were refunded in full, XXXX, XXXX and XXXX. Also that all airlines refunded or had cancelled except for XXXX who they were waiting on to respond to the email that XXXX sent to them. Here it is important to acknowledge what so many other complaints have stated, that XXXX has abysmal customer service. They change their story constantly and are terrible at communication. They don't answer calls and then say they are going to get back to you and follow through but they never do. HOTELS XXXX Emailed all hotels to ask if rooms were cancelled and refunded to XXXX, as XXXX told me, all hotels were cancelled and refunded. closed due to pandemic Emailed and called the three hotels. XXXX XXXX - Cancelled and no refund because it was never paid by XXXX XXXX XXXX - Refunded XXXX XXXX - Hotel closed, Refunded Documentation attached including emails and closure notices from the hotels AIR XXXX XXXX already told me they requested and received refunds from all airlines except XXXX. I called XXXX on XXXX at XXXX airlines and she said, " XXXX requested the refund and it will take a while it is in their refunds department but the form of payment will be refunded in full. '' Waiting for authorization from the airline. XXXX refuses to acknowledge this. XXXX said to me on XXXX that all other airlines had already cancelled in full and refunded.
I have attempted to dispute this charge on my PayPal credit card which is through Synchrony Bank. Paypal dismissed the dispute stating no reason. Synchrony bank told me on XX/XX/XXXX that the dispute was dropped because " of consumer ''? Which made no sense to me. Per the United States DOT policy, even online ticket agents will refund airfare that is not able to be used. The flights were cancelled, the XXXX XXXX was closed and no flights were allowed from the US. It doesn't get much more clear than this. XXXX is refusing to refund the money on a product THEY cancelled. Not the consumer. Despite their many efforts to get me to say I was cancelling. If you look on their XXXX account, before they had to close it due to so many angry customers, you would see their attempts at fear mongering. Telling customers if the attempt a credit card reversal they will fight and win!
|
| 11/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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I submitted a complaint to CFPB about XXXX XXXX XXXX/XXXX XXXX ON XX/XX/XXXX. This complaint was apparently not sent to the original creditor ( XXXX/XXXX XXXX - but to XXXX and XXXX only ). That complaint was in regards to a number of issues - ongoing false information being reported to credit bureaus ( XXXX and XXXX ) as well as complaint about unresolved billing errors by XXXX/XXXX XXXX. Along with that complaint, I also provided you ( CFPB ) with attachments/supporting documentation which clearly shows that XXXX/XXXX XXXX has been furnishing credit bureaus with inaccurate ( false ) information and have failed to truly investigate and correct extremely obvious errors in reporting as well as for billing errors. After submitting that last complaint re XXXX XXXX/XXXX XXXX to CFPB on XX/XX/XXXX ( which according to info I received from you was then sent by to XXXX and XXXX ), I received a letter in the mail from XXXX re the dispute ( letter dated XX/XX/XXXX ). XXXX informs me in this letter that they " updated '' their information based on new information furnished to them directly by XXXX XXXX/XXXX XXXX. This updated information is also completely inaccurate ( false ). They have changed dates, amounts owed, payment history, account balances/credit limits, etc. numerous times in response to previous disputes and each time the information is completely inaccurate/false. I am submitting an attachment of the info XXXX provided me with reflecting most recent info provided to them by XXXX XXXX/XXXX XXXX. I have heard nothing from XXXX though your website states that you closed your investigation re my complaint about XXXX. My complaint is about XXXX/XXXX XXXX and their billing errors, charging of late fees, not applying payment I made in full ( paid off the entire account to XXXX - though never credited and the account was closed by creditor. Yet, now ( please refer to attachments I am including today of XXXX XXXX " updated '' info furnished by XXXX XXXX/XXXX XXXX ) it is being reported that I am currently carrying a balance, making payments, that my credit limit/high balance was {$3500.00} ( even though another part of my report says credit limit was {$140.00} ( this too is false - the original and only credit limit was {$700.00} ). This is what they are reporting evn though it also states that account was closed at credit grantors request in XX/XX/XXXX with a balance of XXXX. My last complaint/attachments to you was apparently not sent to XXXX XXXX/XXXX XXXX but just to XXXX and XXXX. My complaint is directly related to XXXX XXXX/XXXX XXXX due to unresolved billing errors dating back over two years as well as ongoing furnishing of completely inaccurate information to credit bureaus, failing to investigate and correct errors - despite having more that adequate information to investigate and and make the appropriate corrections. Instead, the most recent numerous changes to my report, the " updated '' information provided to the credit bureaus ( in this case to XXXX ) by XXXX XXXX/XXXX XXXX is ( once again ) completely inaccurate/false. I turned to CFPB previously because of the ongoing difficulties with XXXX XXXX/XXXX XXXX. I would like this issue resolved/addressed with XXXX XXXX/XXXX XXXX. This creditor ( XXXX/XXXX XXXX ) is unbelievable - I am absolutely amazed that they are allowed to conduct business in this manner while consumers go unprotected and end up paying the price. I am hoping this will finally be resolved and I can move on - otherwise, I will continue to pursue whatever additional legal avenues, etc. needed to achieve a fair resolution to my complaints ( which again are indisputable - documentation backing up each and every one of my complaints ).
Additionally ( not included in my prior complaint to CFPB ), if this is any further indication/proof of how problematic their reporting practices are ( and obviously another credit reporting violation ), XXXX/XXXX XXXX has been reporting a previous XXXX account I had that I closed myself ( always in good standing ) back in XX/XX/XXXX! This long closed account was closed at my request in XX/XX/XXXX ( originally opened in XX/XX/XXXX ). It remains on my report over 20 years after it was closed. This closed account has remained on reports from two of the credit bureaus ( and the information contained on the two credit bureau reports are both different - one credit reporting bureau stating that the account was closed in XX/XX/XXXX and the other reporting bureau reporting it was closed in XX/XX/XXXX ). This creditor will finally step up and seriously investigate my list of complaints/disputes and respond accordingly.
The following is what I submitted to you on XX/XX/XXXX regarding XXXX XXXX/XXXX XXXX ( along with the supporting attachments documentation ) : I have made repeated attempts/requests for XXXX XXXX XXXX XXXX/XXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/XXXX, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/XXXX when my first bill/payment was not even due until XX/XX/XXXX. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXX/XXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. Thank You.
|
| 11/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
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POSTED AT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX Consumer Financial XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX XXXX Synchrony Financial XXXXXXXX XXXX XXXX XXXX XXXX , CT XXXX United States XXXX XXXX XXXX XXXX : SYNCHRONY BANK, REPEATED EARNED CREDIT, EXEMPLARY ACCOUNTS, NO NOTICE AND NO REASON, ACCOUNT SEIZURES/CLOSURES MOST RECENT LOWES ACCOUNT EXEMPLARY STANDING OVER TWO YEARS, NEVER MISSED OR LATE PAYMENT, CLOSED OVER {$4000.00} EARNED CREDIT SEIZED, NO LOYALTY REWARDS OFFERED THAT ARE OFFERED TO OTHER CUSTOMERS, XXXX XXXX EXCELLENT STANDING, NEVER LATE OR MISSED PAYMENT, EARNED CREDIT SEIZED, ACCOUNT CLOSED, NO LOYALTY REWARDS OFFERED THAT ARE OFFERED TO OTHER CUSTOMERS, XXXX XXXX NEVER MISSED OR LATE PAYMENT, EARNED CREDIT SEIZED, ACCOUNT CLOSED, NO NOTICE, NO REASON, NO LOYALTY REWARDS OFFERED THAT ARE OFFERED TO OTHER CUSTOMERS, RECENT AMAZON CREDIT REDUCED AFTER OVER 2 YEARS OF AGAIN EXEMPLARY PAYMENT HISTORY, SYNCHRONY BANK REPEATED, UNWARRANTED, AND UNCONSTITUTIONAL PRACTICES Dear XXXX XXXX and CFPB Director : I write this letter with respect to the above repeated discriminatory, unconstitutional, and malicious acts. I seek an end to this. I seek my accounts to be reinstated pursuant to : U.S.A Constitution Fourth Amendment The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.
U.S.A Constitution Fourteenth Amendment No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.
It is unlawful to seize ones earned property rights. I earned the credit on each of the above noted accounts, and they were seized without Notice, court order or affidavit. America was built on the Constitution and its purpose was to have laws in place to stop arbitrary and malicious treatment such as seizing ones property, ones money, without Notice, affidavit and court order. I have been denied equal protection of the law, and ask that this unwarranted, damaging, treatment stops. Please reinstate my accounts and make sure these unconstitutional practices are stopped.
Repeatedly seizing my good-standing credit is in contravention to Synchronys very own loyalty rewards. Please see below. Synchrony Bank penalized me for having multiple exemplary accounts, never late and never missed payments. Synchrony Bank repeatedly seized my earned credit and closed accounts without notice, court or affidavit. This is a betrayal of the above noted 4th and 14th state and federal Constitutional Amendments.
Why is Synchrony Bank betraying the USA Constitution to assault me? Is this a foreign bank that is an enemy of the Constitution?
The seizing of each account with no Court Order, No Notice and No Affirmation, was not part of the agreement I contracted for. I did not contract with this bank to be treated like a second-class citizen. Foreign enemies and treasonous entities often implement the above noted treason. All such methods are unlawful. Until you have a court order, a Notice, and an affirmation, you may not seize my property, earned credit that I contracted to use and payback, like I have. I never contracted for any third-party concerns and or for arbitrary treatment. Please fix this. Reinstate my accounts as we contracted or cite what laws the Synchrony Bank credit destroyers/hitmen think gives Synchrony Bank authority to try to override the Supreme laws of the land, rooted in the USA and NY Constitutions seizure and equal protection of the law protections.
I look forward to being treated, like anyone reading this would like to be treated. Please fix this and reinstate each account that was maliciously and unconstitutionally closed. Please get back to me by XX/XX/XXXX. Thank you.
Sincerely, XXXX XXXX EXHIBIT 1 WHAT IS THE CRITERIA FOR HAVING MY LOYALTY, MY EXEMPLARY CREDIT HISTORY WITH SYNCHRONY BANK RESPECTED? LOYALTY FOR SOME, NOT ALL. WHAT IS THE CRITERIA?
Getting to Know You : Driving Loyalty - Synchrony https : //www.synchrony.com gettingtoknowyou Loyalty programs used to be simple. The more customers purchased, the more a company rewarded them. But consumers today expect far more from companies to...
Much Love for Loyalty Programs- Synchrony https : //www.synchrony.com much-love-for-loyalty-pr...
XX/XX/XXXX A vast majority of American adults80 percentbelongs to some type of loyalty program, according to a recent Synchrony Financial poll.
EXHIBIT 2 XXXXXX/XX/XXXX CREDIT CARD SEIZED, CLOSED, EXCELLENT OVER 2 YEARS HISTORY, NEVER LATE, NEVER MISSED PAYMENT NO NOTICE, NO COURT ORDER, NO AFFIRMATION, PRESERVED AND EARNED {$4800.00} WIPED AWAY WITH NO NOTICE, NO COURT ORDER, AND NO AFFIRMATION, ALL IN VIOLATION OF THE 4TH AND 14TH CONSTITUTIONAL AMENDMENTS.
EXHIBIT 3 THE BELOW SHOWS THREE MONTHS OF COMPUTER SABOTAGE. I AM SET UP TO NOT SEE MY ACCOUNTS AND TO NOT MAKE COPIES OF THE BALANCE WHEN PAYING. I HAVE REPORTED THIS AND STILL THE ONLINE ACCESS ACCOUNT SABOTAGE CONTINUES.
EXHIBIT 4 THE BELOW SHOWS THREE MONTHS OF COMPUTER SABOTAGE. I AM SET UP TO NOT SEE MY ACCOUNTS AND TO NOT MAKE COPIES OF THE BALANCE WHEN PAYING. I HAVE REPORTED THIS AND STILL THE ONLINE ACCESS ACCOUNT SABOTAGE CONTINUES.
EXHIBIT 5 THIS MONTH XX/XX/XXXX AMAZON CREDIT WAS REDUCED FROM $ XXXX TO {$1000.00} WITH NO NOTICE, NO COURT ORDER, NO AFFIRMATION, NOTHING. IN ADDITION, SYNCHRONY BANK STARTED ITS MISSING PAYMENT NONSENSE THIS MONTH. XX/XX/XXXX, XXXX DOLLARS WAS PAID. THE AVAILABLE CREDIT WAS UNCONSTITUTIONALLY PUT AT {$30.00}. XX/XX/XXXX THE AVAILABLE CREDIT WAS PUT TO XXXX AND THE BALANCE DID NOT CHANGE.
EXHIBIT 6 BECAUSE OF THE ABOVE ONLINE BANKING SABOTAGE, I COULD NOT PULL UP THE XXXX XXXX AND XXXX XXXX CREDIT CARDS UNCONSTITUTIONAL MONEY SEIZURES AND ACCOUNT CLOSINGS WITH NO NOTICE, NO COURT ORDER, AND NO AFFIRMATION AS REQUIRED UNDER THE CONSTITUTIONAL LAWS WE ARE GOVERNED BY.
|
| 03/13/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This complaint is about the business practices of XXXX XXXX XXXX XXXX located in XXXX XXXX, California and its staff who lie repeatedly and appear to be running a total scam. Trying to collect debts and demanding you pay them or they will threaten to sue you, put a lien on your house, they admitted to calling relatives we don't speak to -- -even though they had our number and we have lived in the same place for 8 years. They lie when they call and refuse to identify themselves, they demand your full name and SSN and Birthdate and when you don't give it they begin threatening you repeatedly. If you tell them you don't know what the debt is, they claim you are a liar and you are not allowed to get a word in to the point you have to hang up. If you write them ANY letters, they will claim not to have received them.
When this company began contacting me they could provide me with XXXX answers. They act like you are their slave and that they are the only people entitled to any information. They failed to provide me with very basic information like the original account number and name of the company claiming I owed the money. They refused to do any of this, they also have an incorrect last name, this is not the name I use, I will not give these people my SSN and they had the incorrect Birth date, and then changed the birth date to match the correct one illegally.
I am not paying this debt since I had to do all the work myself -- -I have never had any credit with the business they are claiming which turned out to be some XXXX XXXX I have not been to since XXXX. When I had gone to this place I used an ATM card not credit to pay for my pet to get fixed and that does not cost anywhere near the amount these people are claiming. Also in order to get your pet back, you have to pay the bill and since I still have my pet its obvious I did. I moved not long after I last visited this place, and have since that time used a totally different clinic since XXXX. I have no line of credit at any of these places.
My husband works for the feds and the constant attacks on XXXX caused our information to be stolen and used by unknown persons locally and not locally numerous times and we retain the statements from XXXX telling us we are victims. They too have recently conducted their investigation and ruled in our favor with regards to this debt. These people can provide me with NO information despite the multiples of times I have asked for it -- -all they send is a piece of paper that has an amount due and threatening comments about suing me, they have also sent me fake court documents and I took these to the court house and they stated they were FAKE. That's not legal, they also call and leave messages calling themselves " investigators '' that's incorrect as they are debt collectors. Its also not legal to state they are investigators. A few called claiming to be attorneys and told me they could garnish my wages. They send letters demanding you respond 7 days from the date on the headers, and then make sure to mail the letters the day before the last day of response, this way when you receive it -- -its already expired for response.
The BBB gives these people a " C '' rating and I can see why. I took a trip to find out where this place was, but it appeared to be operating out of some elderly people 's hospital which didn't make any sense.
They have called my house and when my daughter or sister answered the phone the man or woman on the other end called them " XXXX '' and claimed they were me. Calling these people or making any contact at all with them is a lost cause. They have NO information to share with me other than a supposed amount I know with no account number attached to it. Its not the first time some creditor has done this and I am sure it wont be the last since our information as govt workers is never secure. These people did not even begin contacting us until mid XXXX and claimed they had been trying to collect since XXXX ... the last phone call I received was a threatening call about how she was going to see me in court in XXXX, well past the statute of limitations for collection. I have asked for their business License and have gotten no response, I have searched for the names listed in the fake documents only to find said people use false or fake not full names.
They are constantly playing games. Its getting very old and its obvious they are trying very hard to collect a debt they can not prove I own. No signature card, no correct Birthdate, no SSN, refused to give me the name of the original creditor, I actually had to find this information myself. I called the vet clinic and also went in and they had no record of any such debt from any time period. However, they also claimed they had no control over the bank they used to offer credit to people. They would not give me the name of that bank either.
Their fake threatening court docs were signed on XX/XX/XXXX and claimed you had 7 days to respond ... the item arrived in the mail box XX/XX/XXXX way passed the 7 days dead line- this is also bad business practice and its the second time they've sent the same letter and did the same exact thing making sure you can not respond to them. It also still does not state the account number for this line of credit, it does not give a start date or an end date for it, and they added all kinds of other false charges to the debt.
They contacted my husbands mother, a woman he does not have contact with. She is an XXXX and XXXX XXXX, these people shared my information with her, and she called my home and told me about it. My husband is not listed on this debt, so why was his mother who lives in another state contacted? I had not spoken to this woman in 15 years and have no intention of doing so ever again because of some company like this. I do not owe this debt, the very business claiming I owe it stated they had no record of said debt. I was also told by the XXXX XXXX that this debt is passed the statute of limitation for collections according to the dates they give, which change as time goes by. At no time did I ever take responsibility for this debt, nor did I ever state I would make any payments to them, they are so rude over the phone to my family members who live in my house that I will no longer speak to them at all. These people need to learn to identify themselves properly by not XXXX about being " special investigators '' or some other such fake titles.
|
| 09/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Servicemember |
|
I have a PayPal credit card that is only used for large purchases that qualify for their 0 % financing for 6 months offer. Their website makes payments clear and concise, and offers the payment amount required to prevent interest from being accrued. At the bottom is a note that states " Amount to avoid Standard and Deferred Interest ''. I always paid more than that amount, until I noticed that I was being accrued interest even when paying over the minimum amount required to prevent standard and deferred interest.
I have spoken with PayPal several times, and was told that if I didn't want interest to accrue, I needed to pay the requested amount and then call them to let them know I don't want interest on my account. Nowhere in their terms and conditions, or on their website, or in any documents I have received is this required. Their website directly indicates that if I make a payment equal or greater to the " Amount to avoid standard and deferred interest '' I will have no interest accrued. On their website with the payment options, it lists four options : Minimum payment due, last statement balance, current balance, and other amount. As long as I choose one of these options for an amount that is greater or equal to " Amount to avoid Standard and Deferred Interest '', I should have no interest applied.
I noticed that not only was I charged interest despite paying an amount equal to or greater than the " Amount to avoid Standard and Deferred Interest '', the previous month 's amount was added to the next month 's amount beginning in XX/XX/XXXX.
For example, on my XX/XX/XXXX statement, the " Amount to avoid Standard and Deferred Interest '' was XXXX by XX/XX/XXXX ; I paid XXXX on XX/XX/XXXX. I was unable to load that statement and requested Paypal to send them to me, but they have not as of today 's date. No interest was charged.
XXXX statement : The amount to " Amount to avoid Standard and Deferred Interest '' by XX/XX/XXXX was XXXX ; I paid XXXX on XX/XX/XXXX, XXXX was unable to load that statement and requested Paypal to send them to me, but they have not as of today 's date. No interest was charged.
XXXX statement : The amount to " Amount to avoid Standard and Deferred Interest '' by XX/XX/XXXX was XXXX, and I paid XXXX on XX/XX/XXXX. No interest was charged.
XXXX statement : The amount to " Amount to avoid Standard and Deferred Interest '' by XX/XX/XXXX was XXXX ; I paid XXXX on XX/XX/XXXX. Interest was charged despite payment.
XXXX statement : The amount to " Amount to avoid Standard and Deferred Interest '' is XXXX by XX/XX/XXXX. It should have been XXXX, which is the total of the ending special financing purchases as listed on the statement. However, they added the previous month 's XXXX AND XXXX together and created this as the new " Amount to avoid Standard and Deferred Interest '' of XXXX. I saw this issue and paid XXXX because I was concerned that the amount had been miscalculated and didn't want to pay extra if it was not being applied properly. This is when interest and bloated, incorrect " Amount to avoid Standard and Deferred Interest '' began being required. I attempted to resolve this with paypal, with no resolve.
XXXX statement : The " Amount to avoid Standard and Deferred Interest '' by XX/XX/XXXX was XXXX. PayPal included the " Amount to avoid Standard and Deferred Interest '' for XXXX, XXXX, and XXXX. I paid XXXX and again attempted to resolve with PayPal and told them I would pay the amount of expiring offers if they could apply them properly. The total amount of offers expiring in XXXX was actually XXXX according to my statement.
XXXX statement : The " Amount to avoid Standard and Deferred Interest '' by XX/XX/XXXX was XXXX. I paid XXXX on XX/XX/XXXX and again attempted to resolve this matter. The total amount of expiring special financing purchases was only XXXX. Again, they added the totals from XXXX when this issue first began, plus XXXX, XXXX, and XXXX expiring offers.
XXXX Statement : The " Amount to avoid Standard and Deferred Interest '' by XX/XX/XXXX was XXXX. However, the expiring special finances purchases totaled XXXX. I was told the interest was my fault because I should have made separate payments for each of the expiring offers so Paypal would know I wanted my payments to be applied to the expiring offers. As screenshotted, PayPal states that payments will always be applied to the offers expiring first unless contacting paypal, so the XXXX statement that started the interest issue to begin with should never have happened. Regardless, I made three separate payments on XX/XX/XXXX : XXXX, XXXX, and XXXX in the amount of the XXXX expiring offers.
XXXX statement : The " Amount to avoid Standard and Deferred Interest '' is XXXX by XX/XX/XXXX. Despite the previous month 's explicit payments, all expiring offers from XXXX through XXXX were added to XX/XX/XXXX 's " Amount to avoid Standard and Deferred Interest '' due date as well as all of the deferred interest from the past month 's paid-off offers. My balance went up by XXXX because the deferred interest from the ending promotional balances was added despite explicitly paying it off.
XXXX statement : The " Amount to avoid Standard and Deferred Interest '' is XXXX by XX/XX/XXXX. There are no special financing offers ending this month, so I paid XXXX on XX/XX/XXXX because I was not able to avoid interest regardless of how much I paid or spoke with paypal.
XXXX statement : The " Amount to avoid Standard and Deferred Interest '' is XXXX by XX/XX/XXXX. Paid XXXX on XX/XX/XXXX. No special financing offers were ending this month.
XXXX statement : The " Amount to avoid Standard and Deferred Interest '' is XXXX. Special financing due by XX/XX/XXXX is XXXX. XXXX paid XXXX and an additional XXXX, which is the minimum amount due.
XXXX statement : The " Amount to avoid Standard and Deferred Interest '' is XXXX. No promotional rates ending. Paid XXXX on XX/XX/XXXX which is the minimum amount due.
XXXX statement : The " Amount to avoid Standard and Deferred Interest '' is XXXX. No special offers ending. Paid XXXX on XX/XX/XXXX.
XXXX statement : The " Amount to avoid Standard and Deferred Interest '' is XXXX by XX/XX/XXXX. Paid XXXX on XX/XX/XXXX. Special financing ending : none.
XXXX statement : The " Amount to avoid Standard and Deferred Interest '' is XXXX. XXXX is scheduled to be paid on XX/XX/XXXX. Special financing purchases ending : none.
|
| 03/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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I made an online payment of {$32.00} on XX/XX/XXXX on my PayPal XXXX XXXX account, administered by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, XXXX. I made a copy of my online payment receipt ( copy attached ) and also received a payment confirmation email ( copy of text from attached ).
The due date for payment on my PayPal account is the XX/XX/XXXX of each month. I have NEVER had a late or missed payment on this account.
On XX/XX/XXXX, I received a payment past due notice email ( text from attached ) from Synchrony asking if I knew that I'd missed my XX/XX/XXXX PayPal account payment.
Please note that I was informed by customer service that all of my telephonic communications with Synchrony would allegedly be recorded.
I immediately called in and the male customer service agent ( name unknown ) was stubbornly resistant to what I was telling him, so I demanded to speak with a supervisor. I talked with a female supervisor ( name unknown ) - she explained that there was an apparent internal payment processing error - my payment did not go through on XX/XX/XXXX. The payment confirmation on the receipt I had saved was " XXXX ''. I was told that the late fee charged to my account would be waived ( which it was ) and that the next month 's statement would reflect the late fee removal and would also reflect my normal minimum amount due.
The supervisor then put me on hold and when she came back, there was a loud buzzing noise on the line, disruptive enough that the call had to be ended. I guess this is their way of deflecting angry customers. I went online immediately after the call and made a {$32.00} payment for XX/XX/XXXX ( on XX/XX/XXXX ). The Late fee had already been removed. I made a copy of my online payment receipt ( copy attached ), which this time had a payment confirmation number other than " XXXX ''. I also received a payment confirmation email ( copy of text attached ).
On XX/XX/XXXX, I made my normal monthly payment of {$34.00} on my PayPal account - however, the new monthly statement did NOT correct the minimum payment due amount, which was listed as a ridiculous {$100.00}, even though the late fee charged had been removed. I assumed that Synchrony had not yet gotten around to properly adjusting my account.
On XX/XX/XXXX I received another past due notice email ( copy of text attached ). I immediately called in, agent XXXX was resistant and I again demanded to speak with a supervisor. A manager named XXXX came on and, after 50 minutes on the phone, told me that he could not/they ( whomever they are ) would not reduce the minimum amount due because I missed the XX/XX/XXXX payment. I explained that the XX/XX/XXXX payment did not make it through their system due to THEIR processing error, not due to any fault/negligence of mine. XXXX said he'd file an internal consumer complaint and that it could take 30-60 days to process. Also told me that my payment history ( no late or missed payments ever ) would not be considered by the complaint handlers. He said I should check back XX/XX/XXXX for status of the complaint. I told him if not resolved, I would take several actions, including but not limited to, forwarding this matter to my attorney and filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, the XXXX XXXX XXXX where XXXX XXXX is headquartered in XXXX UT, the Colorado Attorney General 's office and by also possibly notifying the news media outlets both in XXXX UT and locally in Colorado of this outrageous situation.
Who knows how many other PayPal/Synchrony customers have been affected in a similar manner.
On XX/XX/XXXX, I made my normal monthly payment of {$34.00} on my PayPal account - however, the new monthly statement STILL did NOT correct the minimum payment due amount, which was still listed as a ridiculous {$100.00}. I assumed again that Synchrony had not yet gotten around to properly adjusting my account On XX/XX/XXXX I received a robocall at about XXXX XXXX which spoke of the " missed payment and past due amount '', captured by my answering machine. I immediately called XXXX at XXXX XXXX and spoke with agent XXXX, who informed me that the extra {$38.00} they were charging to my account could not be removed because " I missed the XX/XX/XXXX payment '' When I demanded to know why this could not be fixed, she told me that it had " cycled out '' and that there was " nothing we can do ''. My reply was that this was completely unacceptable and informed her of the actions listed above that I was taking. She also told me that the internal consumer complaint supposedly previously filed by manager XXXX had not yet been processed, since it was still inside the 60 day maximum window.
I also told her I did NOT accept this situation and, adamantly, that I would NOT pay Synchrony extra for their mistake - I ended the call.
On XX/XX/XXXX I received another past due notice email ( copy of text attached ).
On XX/XX/XXXX I received a robocall captured on my answering machine from Synchrony alluding to a " past due amount ''. I did not respond to it, since the 60 day maximum complaint processing window would not be reached until XX/XX/XXXX.
On XX/XX/XXXX I received a certified letter from Synchrony, dated XX/XX/XXXX, threatening me with ... '' incurring additional fees and finance charges due to nonpayment ''. ( copy attached ). This letter listed a different address than the payment address : XXXX XXXX/Pay Pal XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Contact Phone number is also different in this letter : XXXX.
I am beyond exasperated, having spent hours attempting to get Sychrony to reverse their very wrong interpretation of why my payment was mishandled by their payment processing system and to demonstrate that I was IN NO WAY responsible for their internal error and refuse to pay any kind of penalty to them for their mistake. Not to mention all of my time wasted in initiating the above-mentioned consumer complaints.
Firstly, it is my contention that I, in good faith, made an account payment on XX/XX/XXXX.
Secondly, it is my contention that, upon learning of Synchrony 's XX/XX/XXXX processing error, I IMMEDIATELY made an online payment to rectify the situation.
Thirdly, I unequivocally state that I WILL, UNDER NO CIRCUMSTANCES, pay any kind of penalty to Synchrony for an error that was entirely due to an internal problem they had!
|
| 09/06/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
IN THE COUNTY XXXX XXXX FOR XXXX COUNTY, FLORIDA DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Pei 10 : XXXX XXXX XXXX XXXX Plaintiff VS. ' XXXX XXXX ititi OF THE CIRCUIT COURT XXXX XXXX, FL XXXX CASE NO : XXXX XXXX COCI DIVISION : XXXX File # : XXXX Judge XXXX XXXX Div. XXXX County Court Judge Never had a credit card in the this name nor a credit card names SYNCHRONY BANK. appears at my door step at night in a neighborhood scaring my family. XXXX XXXX Refuses to stop this complaint.
ANSWER ORDERED DATED XX/XX/XXXX, RIGHT TO PRIVACY DEBT COLLECTION PRACTICES ACT AMENDED ) CEASING COMMUNICATION CEASE AND DESIST The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ( subsequently amended ) consumer protection amendment, establishing legal protection from abusive debt collection practices Act, as ( FDCPA ) personal, Records Violations of Federal Law that limits the behavior and actions of third-party debt collectors Publishing Misrepresentation or deceit : Credit Protection Act, As Title VIII of That Act. 15 USC 1692b. Data Breaches, Frauds, Scams. Broadly Defines A Debt Collector As " Any Person Who Uses Any Instrumentality of Interstate Commerce or The Mails in Any Business, The Principal Purpose of which Is the Collection of Any Debts, who regularly collects or Attempts to Collect, Directly or Indirectly,. [ XXXX XXXX, victims of identity theft in the process Fraud, Scams, Cyber-Crime There is abundant evidence of the use of abusive, deceptive, unfair debt collection practices. Further communication with the consumer communicates Fraud caused by identity theft from Further with the with respect with such alleged, debt, deceptive practices. Not permitted under applicable law [ 22 ]. Further protection from attempt to harass, abusive, deceptive practices Fraud, publishing private information ; 3 ). The Abusive practices intrusion into the personal life of other invasions of individual privacy. Remedies for violations of the Act. [ 2 ] I protection from the misuse the Consumer notifies the debt collector to cease. Judges through binding precedent common law jurisdictions. Title VIII of that Act Disputes Third Party Contacts Illegal Contracts by. Debt Collectors ' since since XX/XX/XXXX stalking like conduct from servers. Conduct Under the FDCPA Act Florida Constitutional Right to Privacy. Identity Theft intrusion on one 's solitude into one 's private affairs ; 2 ) notifies a debt collector in writing that the consumer refuses to pay consumer wishes the debt collector to cease further, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt llector'sCREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Data Breach identity theft, mortgage fraud, the debt is disputed, credit card theft Dispute the following validation of the debt Information in my File. Dispute Errors or Other Inaccuracies, Tax Write Off or Created Cards or Charges Off on Credit Report After the Debt Validation collection agency the bonding agent for CO license. Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. FEI/EIN. Detail by Registration Number Partnership Name, Detail by Document Number. Agreement with client that grants you the authority to collect on this alleged debt. Dispute failing to report information correctly, violates the Fair Credit. Verification that this debt was assigned or sold to collector. requested documents, any insurance claims been made by any creditor regarding this account. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Reporting Act. information in my file. further efforts are being terminated ; ( 2 ) to notify may invoke specified remedies which are ordinarily ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specifiedremedy. If such notice from the consumer is made by mail, notification upon receipt. pursue remedies permitted [ 15 ]. Entity violates the FCRA, 1 ] under which Debt Collectors Conduct Business, 802. ( a ) abusive, deceptive, and unfair debt collection practices Rights of Debt collectors prescribes remedies for violations of the Act. [ 2 ]. Debt collector violations of the FDCPA Statutory entitled to recover : Punitive damages {$1000.00} remedies for violations of the Act Florida 's Constitution explicitly recognizes a right to individual privacy. I, 23 Right of privacy conclusion. Invasion of privacy. Third party ( C ) Debt collector Contract Law 15 USC Section 1692b. Violations of the Act. [ 2 ] Act. [ 3 ] [ 4 ], Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p Title VIII of that Act. Public Disclosure of After receiving written notice that said consumer wishes, no further communication, unless litigation lawsuit. has a from : 1 ). contract can not confer rights or impose obligation WHEREFORE, Plaintiff demands judgment for {$8300.00} and court costs against Defendant ( s ) .PLAINTIFF 'S MOTION TO APPOINT PROCESS SERVER COMES NOW, the Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX by and through its undersigned counsel, and files this its Motion to Appoint Process Server pursuant to Rule 1.070 ( b ) of the Fla.R.Civ.P., and would show unto this Honorable Court the following : 1. This Court is authorized to appoint any competent person, not interested in the action, to serve original process.
2. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX is/are competent and not interested in the action, and is over the age of eighteen ( 18 ).
WHEREFORE, the undersigned seeks entry of an order appointing the identified individual ( s ) for the purpose of serving process in this cau XXXX, XXXX XXXX XXXX, XXXX.
Attorneys for Plaintiff XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX.
XXXX, FL XXXX ( XXXX ) XXXX Dragutsky BY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if /DESIGNATION OF EMAIL ADDRESS XXXX Please understand that this is an attempt to collect a debt and any information we obtain will be used for that purpose.
Our File # : XXXX i- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX Bar No. : XXXX
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| 10/14/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Next, in regards to the statements made in those counts 2-4, I can not verify as true for several reasons. The first reason is that I have made SEVERAL requests for the contract signed by me, as well as the reconciliation of the said account that the plaintiff is alleging I owe. These requests have been made to both Synchrony Bank as well as the office representing the plaintiff on various occasions. They have FAILED to supply me with such information and honor my which is a clear and repeated failure of both FCRA and the FDCPA.
Additionally, the plaintiff goes on to make the FALSE statement in count 5 that there were no objections made regarding the validity and proof of indebtedness of the said account. The letters to prove the validation debt in accordance to the law has never been provided. It is unclear why the office representing the plaintiff knowingly made a false statement regarding this in the summons.
Furthermore, the plaintiff goes forward in outright lying to state that did not object to the accuracy nor has the Defendant ( s ) raised a legally recognized objection in this matter. The fact of the matter is in addition to over 20 calls to the said creditor, written objections regarding this account has in fact been made to not only the said creditor, but the office representing the original creditor in XXXX. At that time, I was not in any way contacted by the current office that has submitted the summons regarding the said debt.
I have no legal proof that this office is permitted by law outside of this summons to collect on the said debt. Such is my legal right under Fair Credit Reporting Act ( FCRA ) as well as the Fair Debt Collections Practices Act governed by the Federal Trade Commission.
These letters were mailed first-class, and have not been returned to me as of date. I have enclosed a copy of these letters for your review. IF the plaintiff has attempted to contact me by mail, I demand verifiable proof in writing to be provided to be for my personal and legal review.
Likewise, it is important to note that the following request for validation of the debt was made by myself or, a third-party company legally authorized to make such request ( s ) on my behalf : XX/XX/XXXX request to Synchony Bank XX/XX/XXXX request to Synchony Bank XX/XX/XXXX request to Synchony Bank XX/XX/XXXX request to Synchony Bank XX/XX/XXXX request to Synchony Bank From XXXX XXXX XXXX : XX/XX/XXXX request to Synchony Bank XX/XX/XXXX XXXXequest to Synchony Bank XX/XX/XXXX request to Synchony Bank XX/XX/XXXX request to Synchony Bank XX/XX/XXXX XXXX to Synchony Bank XX/XX/XXXX request to Synchony Bank XX/XX/XXXX request to Synchony Bank Again , there have been NUMEROUS attempts to lawfully and timely request validation of the said debt. It is also important to note that the same request was made to a previous law office regarding this manner. Oddly, both office that practice debt collection can not seemingly provide with such a simple request that has spun nearly a two-year time frame. Moreover, as previously stated, because the current office representing the plaintiff has failed to provide me with such information, I can not assume that they have ANY legal capacity to collect on the said debt. Per FCRA and the FDCPA, the documentation that has been requested time and time again has not been provided, thus violating several of my consumer rights. I am sure as attorneys who have passed the State Bar Exam and practice in the field of debt collections they are well versed in educated in knowing that a billing statement in no ways validates a debt or merits their legal ability to collect on such.
In addition, this office has never communicated their interest in the said debt until the transaction with your court. While again, this office has not communicated in any fashion, they filed a summons on XX/XX/XXXX in regards to the said debt. The summons state the defendant copy on page 3, YET I have not received any mail from this office prior to the summons. Thus, highlighting another failure and violation. Either by deliberate actions or failure, this office did not provide process service while attaching the defendants copy to your summons. The defendants copy is dated for XX/XX/XXXX yet, I was not made aware of such until this information was provided this by a process server on XX/XX/XXXX. It is unclear what transpired with the defendants copy dated XX/XX/XXXX was not provided to the defendant until 52 days later. Additionally, the defendants copy provided to your court is vague at best. I highlight that anytime communications were sent regarding this issue, a timely response was sent on my behalf. This begs to display that this office does not properly serve court documentation as required by law.
Until this date, I had no idea of the name of this office, their practice capacity, or their authority to even act as a debt collector in the State of Michigan. It is unclear of how or why the office would submit court paperwork without listing the name of the said firm. It is unclear as to why several requests made about the said debt was not communicated with the office the original creditor retained to collect on the said debt. What is obvious is either there is a gross failure of communication between the office and their alleged client, or, the office disregards such communication and requests in the hopes to profit from them.
As I was concerned by the unethical practices by this office, I began to do some personal discovery on my own. I found that the name of office is XXXX XXXX, XXXX, XXXX XXXX, and the Law Offices of XXXX XXXX. What I found is that this national firm consistently had multiple violates of the Fair Debt Collections Practices Act. I have also found that they were sued for the EXACT unethical practices in the US District Court here in Michigan in XX/XX/XXXX. But what is MOST concerning is that, the obviously outsourced company used by PPC deliberately misrepresented how payments were going to be applied to the account and that status of the said account. These representatives repeatedly said that the payments would be applied to the account and keep the account from going delinquent. However this was not the case. When made aware of the misrepresentation of the representatives, it was claimed they did not have any notes of this. However all calls are recorded, supposedly.
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| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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SYNCHRONY BANK is in violation of multiple laws set forth by Congress in regards to the following account XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( SYNCHRONY BANK ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( SYNCHRONY BANK ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. SYNCHRONY BANK can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from SYNCHRONY BANK for the cancelled debt in order to file as ordinary income. Where is my 1099-C? SYNCHRONY BANK is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! SYNCHRONY BANK has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In SYNCHRONY BANK terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX are not an affiliate of SYNCHRONY BANK nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the XXXX XXXX XXXX XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. SYNCHRONY BANK must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account # XXXX. Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( XXXX ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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| 01/10/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I purchased a XXXX XXXX XXXX. I waited approximately 1.5 months for the bed to be delievered. In XXXX, the bed was recalled due to safety concerns regarding the footwarmer accessory on the bed. I purchased the bed specifically for this option due to 2 major back operations and XXXX in my feet, which causes pain and heat alleviates the pain. Approximately first week in XXXX I was sent the accessory to reinstall the footwarmer to my bed. It was the end of XXXX when two technicians from sleep number came to my home and attempted to install the new warmers to my defunct bed. It was determined that the warmers were not working with the control box in my bed and I would have to have XXXX XXXX XXXX. attain a subcontractor to remove, then reinstall a new control box. It is now XXXX and I am diligently paying for a bed that is not working per product description and defunct.
The subcontractor hired by XXXX XXXX XXXX was horrific and so unprofessional it blew my mind. The contractor gave me a call, and apologized for being late? I had no idea who the person was as he never called me before and had no apt . set. I even questioned if he was with Sleep number due to his unprofessionalism. This man shows up midday and begins to attempt to move a custom bedframe by himself. I heard a crack and immediately told him the bedframe was custom and he could not lift it himself. Not only that he completely insulted me and desicrated my husbands XXXX. My husband, a veteran passed just XXXX of XXXX and I begged him to be careful with the furniture and XXXX. He made the such a insulting and disgusting comment to me regarding the XXXX, he stated, and I quote, " he should have taken better care of himself, your so young, he shouldve been a better husband! '' This is coming from a XXXX plus man, who has NO IDEA how my husband passed away and assumed he was unhealthy. My husband was a vet and an honored personal trainer for the XXXX of XXXX XXXX, the mayor came to his funeral. He was the healthiest person and XXXX of an XXXX XXXX XXXX. Then he actually touched the XXXX with his sweaty horrific hands and stated, " sorry boss ''. Then he made an attempt again with bed controller and box switch. It was obvious to me he had no idea what he was doing, he would not stay to check box and he rushed out of house. The very next day I immediately called the number he called me from to report the incident. I was lied to by a woman, saying the owner was ill. I explained my frustration about the incident and told her to have the supervisor contact me immediately. I received a phone call ( I have all texts and voice mail messages kept ) from a gentleman claiming to be the supervisor. He informed me the man before was his son and he would send him out again to review the box which was not installed correctly. I refused to have that man set foot in my house again after the outrageous events the day before. This gentleman then said he had the XXXX and he would only be able to get back to me in XXXX!!! So now I have a completely defunct XXXX product, have been diligently paying my bill and still do not have the product I believed I purchased and was advertised as.
I was so emotionally upset I went to the Sleep number store in XXXX XXXX where I purchased the bed. I explained to the retailer exactly the events and was very emotional. They contacted the head office in MN. I was in the store for two hours and eventually spoke to a customer service rep named XXXX. After explaining the entire situation she was appalled and contacted someone representing the CEO. She was authorized to send me a new bed with footwarmers, that should be all new equipment and would work. So on XXXX XXXX the supposed bed I purchased back in late XXXX and have been paying on time for each month arrived.
The techs had no idea what was being done and when it came time to install the footwarmers, THEY WERE NOT INCLUDED!!!!! So basically, im back to square one. I contacted XXXX immediately and insisted I speak to someone in the CEO office. I ended up speaking to XXXX, who was uncooperative and resistant. I informed her my XXXX bed was still not working, footwarmers were not included etc. She said she put the order in herself and didnt understand why they were not included.
On XXXX XXXX, new sleep number techs came out to install the new footwarmers to the new bed. I have video tape of the installation and they had no idea what they were doing. The footwarmers however, were installed and they waited to see if they worked before they left, but had to call a supervisor for directions. It was absurd. XXXX, the assistant to the CEO, stated we could discuss compensation for the sale and duress this has caused me. I stated that i believe the bed should be compensated for since my bedframe was damaged, my husbands XXXX was desicrated, i was insulted. I purchased a bed in late XXXX and it took until XXXX XXXX to be in working order. I have contacted her regarding this, and informed her I would await her counter offer. I have left two messages and have yet to hear back with her with a counter offer.
I think that due to misrepresention of product, safety issues, lack of product support, support error, client support and 6 attempts to produce a product worth XXXX that I purchased in XXXX I should be compensated atleast for the payments I was making during the period of a non working bed and be refunded those payments. The damage caused by the subcontractor hired by SLEEP NUMBER should be compensated and my emotional and mental stress regarding this issue should be not taken lightly. Sleep Number techs, XXXX and the retail supplier all expressed completed disgust in my favor regarding the events. The CEO 's secretary was rude, and dismissive. I have no idea if she is even speaking to the CEO regarding my case.
I paid for a bed that did not work until XXXX XXXX. I paid for 5.5 months for a product that was a safety issue, not what was represented at retail description and was promised and was emotionally harmed during this entire experience.
I expect remedy immediately and would like to put this entire experience behind me. I have documented all texts, emails, and videotaped installation attempts. Sleep Number is a company that does not fulfill product description, no customer service.
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| 07/18/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I purchased an upright frost-free freezer from my local Lowe 's store in the amount of {$1000.00} ( deferred interest promotion expiration date XX/XX/XXXX ). The expected delivery date was XX/XX/XXXX. I received a call prior to delivery from my local Lowe 's store indicating the item was damaged in transit and a new freezer will need to be ordered. The revised delivery date was XX/XX/XXXX. To ensure smooth delivery, I called my local store and " XXXX '' number listed via XXXX to confirm delivery. Confirmation of delivery was received. On XX/XX/XXXX, the freezer did not arrive nor did I receive a call indicating the same. As a result, I called the delivery department and was told they did not have my delivery on file for that date. Subsequently, I called the local store and was informed that they could not locate where the freezer was located. The item was lost and unable to be tracked. The manager informed me that I could return to the store to receive a full refund. The refund was processed on XX/XX/XXXX.
On XX/XX/XXXX, I traveled to another Lowe 's store to purchase an upright freezer because I was in need of the item. A purchase was made in the amount of {$1000.00} ( deferred interest promotion expiration date XX/XX/XXXX ). This item arrived as expected.
Subsequently, I discovered the first promo still remained on my account ( customers are advised to wait 1-2 billing statements ). Lowe 's applied the refund towards my general purchases balance and not the promotional purchase which is where it should've gone. As such, payments I thought I was making towards the {$1000.00} promotion went towards the {$1000.00} promotion instead. Money was applied towards a purchase I NEVER received. As of date, my account still reflects TWO promotions although I am in receipt of only ONE upright freezer.
I questioned the company as to why a refund was applied towards the general balance and not the promotion. The representative instructed me that this is BETTER because my general balance is lower. How is having TWO promotions with expiration dates in close proximity better? How is paying for an item I NEVER received better? How could risking not paying {$2100.00} IN FULL by the respective expiration dates better? Interest will be compound from the initial date of purchase if not paid in full by the expiration date. That is not what I signed and contracted for. I agreed to a deferred interest promotion. Not a general non-promotional purchase. I promptly requested the representative correctly allocate the refund towards the promotion of {$1000.00} because payments that I've been making were going to the incorrect promotion for an item I NEVER RECEIVED. As stated, Lowe 's damaged and subsequently lost the product.
The allocation was supposed to be applied on XX/XX/XXXX. By doing so, the {$1000.00} balance should've zero out on my account and ALL payments reallocated towards the correct promotion of {$1000.00}. I have been dealing with this painful situation every month since XX/XX/XXXX. BOTH promotions still reflect on my account today. Monies paid continues to be applied towards the incorrect promotion. I've escalated this issue to managers to no avail. I am consistently told the payment would be reallocated towards the correct balance within 1-2 billing cycles. EVERY month I explain the same problem. EVERY month I'm given false information because BOTH promotions are still on my account. EVERY month I have to request another allocation. I was even told to disregard the statement because it's not correct. This is not acceptable!
As of XX/XX/XXXX, I am still faced with the same problem. On XX/XX/XXXX, I was told by a representative that he could not allocate my payment correctly. Prior associates were not correctly allocating my payments and that I need to call back to request a supervisor make the correction. The department was currently closed. I've already spoken to a supervisor. Why are the employees of Lowe 's unable to correctly apply ALL payments towards the correct balance and zero out the incorrect balance so no future payments applied towards the incorrect purchase. To add insult to injury, the representative also refused to make the notation on the account as I requested. I made note of this refusal and the note the representative decided would be made on my account. The representative 's refusal and lack of regard truly showed how Lowe 's " value '' its customers.
This situation should've been rectified in its entirety on XX/XX/XXXX. Now EVERY month I have to go through the headache of requesting my payments apply towards the correct promotional balance. This is absurd!!!! Lowe 's is preventing me from being a fully informed customer because I am unable to track via the bill my correct promotional balance and how much money is owed on the purchase in the amount of {$1000.00}. Monthly statements and my personal records do not coincide because payments are not correctly applied. EVERY month I am told to wait 1-2 billing cycles. Why do I have to continue to wait for Lowe 's to correct its error!!!!!! This has been a consistent issue since XX/XX/XXXX. We are beyond the 1-2 billing cycles threshold.
I request Lowe 's refund my account in full in the amount of {$1000.00}. I request Lowe 's correctly apply this refund towards the promotional purchase balance and NOT the general purchases balance. I request Lowe 's remove the INCORRECT balance of {$1000.00} from my account in its entirety. I request Lowe 's allocate all payments made towards the CORRECT balance of {$1000.00}. Highly important, I request Lowe 's make the appropriate CORRECTIONS to my account expeditiously!!!!!!!!! As a long-time customer, I am irate and appalled by this horrendous situation.
Added suggestions are as follows, I suggest Lowe 's work towards putting better risks and controls in place to mitigate these types of system errors, make efforts towards enhancing its technology as well as providing customers with clear statements. I suggest Lowe 's properly train respective employees on billing, payments, allocations, and most importantly customer service. Lastly, I suggest Lowe 's make efforts toward enhancing its key performance indicators. Understandably, these suggestions will take longer to cure.
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| 11/29/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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XX/XX/XXXX my sister informed me that the XXXX XXXX sheriffs officer showed up at her house that evening to serve me with a suit for a debt. She informed the officer that I have not lived in Georgia for almost 3 years and that I currently reside in Tennessee. She then asked what is in regards too and he informed her that I owe someone money.
XX/XX/XXXX I called the XXXX XXXX magistrate office. I spoke with the clerk that my sister relayed the message where I previously lived and rented. The officer was trying to serve me and I was calling to find out what it is in regards too. She stated that it was a suit by XXXX XXXXSynchrony bank . She advised there was no Attorney listed, gave me a phone number and case number. I stated I no longer live in Georgia, I live in XXXX, Tn. I asked how I can settle the debt. She told me to call the number or XXXXXXXX XXXX
( Same day ) - i followed up with XXXXXXXX XXXX and called number the clerk gave me. I spoke with a female, i dont remember her name. After i was verified i advised i had been notified that they were trying to file suit on this debt in a state i dont live in, anymore and had not for almost 3 years now and that Ive been a TN resident since leaving Ga. Told her i would like to set up arrangements to pay this and that i can do {$50.00} a month to start in XXXX. She then was looking in the file notes and advised she did see where suit was being filed but there was not an attorney name listed for the case at that time, but said not to worry that i wouldnt be hit with garnishment right away just bc a suit had been filed. I told her something along the lines of okay thats a relief but i would like to stop this from going forward and do a promise to pay and settle this debt and the monthly payments i can do is {$50.00} a month Im a single mother, with only 1 income who does not receive child support or any govt assistance. She then advised me that i should try to get this disputed cause of some inaccuracies she was seeing and said and lets try to get your credit fixed. She then started talking about some kind of credit repair program that i qualified for that would be {$370.00} upfront and then {$99.00} a month afterwards ( again completely ignoring me calling in wanting to settle this debt with a promise to pay because i dont want to miss being served at some random address they are going to and then have a garnishment brought against me cause i missed the court date- i never asked for credit repair or my credit to be fixed i didnt need those services i just wanted to pay and not stress out ). I told her i cant afford that offer and can only pay {$50.00} a month. She said that i could possibly qualify for a free credit repair sweep if i had a minimum of {$5000.00} in my works retirement account, so going along with what she was saying i logged into my retirement account and advised okay i do have that minimum in my XXXX retirement. She advised okay great i will have to forward this to another representative who was out to lunch but they would reaching out and calling me back. Said it would be a same day call back So far i have not gotten a call back and its XXXX XXXX EST on the day of XX/XX/XXXX almost 24 hours later im still left in limbo with no arrangements being taken from me to pay {$50.00} a month. Im scared, stressed and worried that Im going to be garnished this is not right nor fair.
XXXX-no call back to me has been received from XXXX. Everything is still in limbo. I decided to reach out to the 2nd number the Magistrate Clerk gave me that she advised was for the attorneys office that was listed but no attorney name listed for my case. The attorney office name is XXXX XXXX XXXX XXXX XXXX ( XXXX ). I called in and a receptionist answered did not catch his name either, i said Im trying to settle a debt and i need to know who i need to speak with in regards to this office attempting to file suit. He said Im gon na have to transfer you to our collections dept. I was transferred over and was on hold for 40 mins before someone answered ( this resulted in me having to clock out of work that was not a lunch break, to handle this since it went past my 15 min break that i get in the mornings ). A female answered she asked for my file number, and i interrupted that as she needed my case # that was was from the magistrate filing ( # XXXX ). She said oh that did not pull up asked for my social and i still did not pull up and then advised, youll have to get in touch with another representative and gave me there ext - XXXX, did not give me a name of who i was calling but advised that they are short staffed and Ill have to call back in and dial the ext # to talk to the rep. She was unable to transfer me so i had to hang up call back to that number and then dial the ext and i did three times and all 3 times the ext said this is an invalid entry. So now at this point 3 days later i have gotten no where with either place. XXXX XXXX has not called me back andignored my request over the phone of trying to set up a monthly payment to not do a suitinstead trying to solicit services that i dont need at this timenor did i inquire on. And the attorneys office cant seem to find my file or find me in the system from the brief 4 minutes of speaking to a live person after being on hold 40 mins and then giving me a invalid extension. Wasted almost an hour of unpaid time i have lost at work just today trying to get something resolved with a {$50.00} a month payment and absolutely nothing has been done. Could it be because both places realize they have messed up big time going and filing a suit in a state that i have not lived in for almost 3 years? Might i add that it reflects on my credit report of the addresses listed and shows my current address in TN reporting as of XX/XX/XXXX and the GA address last reported in early XXXX. I also have active student loans Ive taken out going back to school that would report my TN address on my credit as well every time i do the federal forms. This mess up has had me stressed out completely and was not needed, and no answers from either place of whats going on and who do i talk. Quick to go and file a suit at the court house and have a sheriff serve me but cant resolve this when i call in and get the run around.
|
| 11/03/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
XXXX XXXX XXXX : self deposition In XXXX while employed on the XXXX XXXX in XXXX I received a non-solicited credit card from J.C. Penney corporation. Accompanying the credit card was an inducement to apply for an accidental death and dismemberment policy from XXXX XXXX, XXXX XXXX. At a cost of {$11.00} per month ad XXXX in cost and benefits, unless canceled by myself I applied for and received the insurance attached to the credit card. I would pay on this card for the next forty years with the benefit that the cost could not be increased. During this forty-year period, I never once made a purchase on the J.C. Penney card other than the insurance policy to the best of my memory. The policy amount was paid on time and kept up to date as far as beneficiaries.
The account statement for XX/XX/XXXX listed that a payment of {$36.00} had been applied to the card and that there was an outstanding balance due of the {$11.00} for the previous month, which had been paid that month, and a new balance of an additional {$11.00} for the month of XXXX. Both charges were deducted from the {$36.00} credit leaving a balance of {$13.00}. I never made a payment of {$36.00} in the forty-year history of using the card. I called J.C. Penney customer support and reported that my account had been cross-referenced with someone else 's account and that person now was going to be short {$36.00} paid into their account. Customer support said they would review and correct the billing issue. The name of the agent at that time was " XXXX ''. They will not supply last names for security reasons. This call was made on XX/XX/XXXX, as the XXXX billing comes in the following month.
A few days later I received correspondence in the mail that the issue had been corrected. I had been postmarked on XX/XX/XXXX, the day after I had called customer support. Unfortunately, instead of debiting the unknown {$36.00} from the account, they added another {$36.00} to the account so now I was up {$72.00} in error. I called customer support a second time the following day after receiving the notification. The upcoming payment for the policy was taken out of this amount so now I had a plus balance of {$60.00}.
In early XXXX I received a second notice that they had discovered the error and had now charged my credit card payment {$36.00} to take it back. A second letter received on the same day stated that a payment of {$11.00} was applied to the account and that my balance owed was now {$72.00}. The monthly summary statement shows that they erroneously billed the XXXX XXXX policy as {$49.00} instead of {$11.00}, An amount of {$47.00} had been combined with the {$36.00} left from the original mistake. The next month 's billing showed a balance left to pay of {$26.00}. I continued to pay the {$11.00} due for the insurance policy and nothing more.
When the XXXX statement arrived it stated that another error of {$36.00} was discovered and would be applied back to the card as money owed. This was the original mistake made to the account two months back. The next day I received a letter saying that {$11.00} had been applied to the account but that I now owed {$72.00}. ( If you are following this you are better at accounting than I am ) I placed another call to customer support and was assured that the billing would be corrected. I stopped asking for the operator 's names as it doesn't appear to matter one way or the other. A few days later I received a paper check from XXXX bank for {$49.00}. My guess is that it was to rectify the charge of {$49.00} charged for the insurance policy but I would have to cash the check when all they had to do was debit back the account. I would not cash this check as it is implied that I accept their method of accounting which I now compare to a game of three-card monte.
When the statement arrived going in XXXX it showed that I now owed {$85.00}, I believe due to late fees. On XX/XX/XXXX, I waited on the telephone line for almost an hour to talk directly to fraud control. J.C.Penney fraud control is in the XXXX and while the operator did not clearly understand the issue at hand he did apologize eight times to me during the course of the conversation. I told him that I would not a check from XXXX Bank for {$49.00} as received and he asked me if I wanted a stop payment applied to it which I told him he could do if he felt it necessary. Before I could send the non-cashed check back I received a second check for {$49.00} to make up for the first that may or may not have been canceled out. In my mailing to XXXX Bank, both original checks have been returned. From this point on I am now being assessed late fees for refusing to pay nonexistent billing for products and services not solicited or received. I continued to pay the {$11.00} for the insurance policy as agreed to them.
In XXXX XXXX sent me a letter that I was now two months in arrears as the money I had been sending to pay for the insurance policy was being applied to the late fees accumulated. XXXX offered to set me up for direct pay with them and I paid the two months in arrears. I called J.C.Penney customer support and canceled the credit card. The following week I made one last call to J.C.Penney support and talked with an agent named " XXXX '' or " XXXX '' who reviewed all the records and arrived at the same conclusion I had. He put me on hold so that he could contact fraud control and inform them of his findings. Twenty minutes or so later he came back and told me that unfortunately there was a language barrier and the fraud control agent could not understand the findings. He said that he would type up his findings and submit them to the fraud control department and asked that the credit card account remain close and all charges dropped but warned me that XXXXXXXX XXXX did not have to agree with his findings. I told him I would give it a couple of months for them to work on it and straighten it out.
Two months went by and the XX/XX/XXXX statement shows that I now owe {$270.00} in accumulated late fees for refusing to pay imaginary charges to the card. There was a veiled threat of legal action, which I intend to meet. as required.
All pertinent documents are included for review. If you can read through them you are better that I was.
|
| 09/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
My problem is with XXXX XXXX. My credit card was charged 1. {$68.00} from XXXX on XX/XX/XXXX 2. {$43.00} from XXXX on XX/XX/XXXX 3. {$110.00} from XXXX XXXX on XX/XX/XXXX I was notified by XXXX XXXX by text asking if I authorized these charges. I called them immediately, and told them I did not. I have phone records of all calls. This call was on XX/XX/XXXX at XXXX XXXX for 8 minutes. They told me not to worry about the charges, and I was credited all the amounts. They canceled my card, and sent me another card.
They said to fill out all papers they would send me and to send them back. I did all they asked. XXXX XXXX ruled in my favor. I called them again on XX/XX/XXXX at XXXX am for 6 minutes.
I thought the problem was resolved. Then XXXX XXXX put charges on my card again in these amounts : 1. {$120.00} from XXXX XXXX on XX/XX/XXXX 2. {$120.00} from XXXX XXXX on XX/XX/XXXX Unfortunately, I did not see these charges until XX/XX/XXXX going over the bills my husband paid. I called XX/XX/XXXX XX/XX/XXXX at XXXXXX/XX/XXXX for 16 minutes. Customer Service not to worry about the amount. They would credit and dispute the amount. He canceled my card and sent another card. I asked if there was a way to block XXXX XXXX from billing my credit card. He said no that was not the way to take care of the problem. He told me to call XXXX XXXX and see if they had an account in my name. I asked why did I have to take care of the problem. He said they would be able to tell only me. I called XXXX XXXX XX/XX/XXXX at XXXX XXXX for 31 minutes. We have XXXX XXXX, but it is in my husband 's name so they would not talk to me. They told me my name had to be on the account. I then went to our online account and added myself to call them. I then called XXXX XXXX back XX/XX/XXXX at XXXX XXXX for 16 minutes to tell them. They concluded there investigation and ruled in my favor again.
By this time, with my new card, I made sure I checked every statement to make sure there were no charges from XXXX XXXX. But not the case. Charges were again put on my card in the amounts of : 1. {$100.00} from XXXX XXXX on XX/XX/XXXX 2. {$100.00} from XXXX XXXX on XX/XX/XXXX 3. {$100.00} from XXXX XXXX on XX/XX/XXXX I called XXXX XXXX again on XX/XX/XXXX at XXXX for 30 minutes. I believe about the new charge. I called XXXX XXXX on XX/XX/XXXX at XXXX XXXX for 46 minutes. I was going to do whatever I had to find out why my card kept being charged from them. I spent a long time talking to customer service, then fraud department. No one was able to help me because they said I did not have an account, and our XXXX XXXX did not have any credit card connected to the account. I called XXXX XXXX XX/XX/XXXX at XXXX for 77 minutes. I wish I could highlight 77 minutes. Customer Service put in a dispute on the amounts. Canceled my card, and sent me a new card. The one question I kept asking was, " Why can't you track this back to see who is doing this! '' The answer was always they were not able to find out.
I also have the letters XXXX XXXX sent me.
1. XX/XX/XXXX from Fraud Solutions Department stating conducting a review.
2. XX/XX/XXXX from no department letting me know what to expect and what I should also consider.
3. XX/XX/XXXX from Fraud Solutions Department stating concluded investigation and ruled in my favor.
4. XX/XX/XXXX from Customer Service Department stating concluded research and credited my account for {$120.00} 5. XX/XX/XXXX from Customer Service Department stating concluded the research and credited my account for {$120.00} 6. XX/XX/XXXX from Fraud Department stating for my protection closing the above account ( third credit card ). And to please know our {$0.00} Fraud Liability policy means I am not responsible for any unauthorized transactions. If they need additional information they would send me a form to fill out.
7. XX/XX/XXXX from Customer Service Department stating concluded the research and ruled in my favor totaling {$320.00}. That would be the last three amounts of XXXX 8. XX/XX/XXXX from no department stating concluded investigation of fraud claim and no able to approve for two reasons : 1. Customer benefited from use of card/participated in the purchases and 2. Customer released account information to a third party.
9. XX/XX/XXXX from Customer Service Department stating concluded research and made a credit of {$100.00} in my favor I called on XX/XX/XXXX and talked to Customer Service about the XX/XX/XXXX letter. I was transferred to another department and put on hold from XXXX XXXX to XXXX XXXX. I decided to hang up and call back. I was angry at this point! When I called back, I talked to Account Specialist who transferred me to Fraud Department who transferred me to Investigation Department who put me on hold to talk to Dispute Department. Then all of a sudden I was back to Customer Service. I was not nice. Not going to lie. Customer Service said they would put in another dispute. No one ever answered the two reasons in letter from XX/XX/XXXX as to how they concluded this. At this time, I did close my credit card account for good.
I called XXXX XXXX on XX/XX/XXXX to ask about the letter of XX/XX/XXXX. I talked to Customer Service who transferred me to Fraud Department who transferred me to Investigation Department who transferred me back to Customer Service Department. No one every answered any of my questions. Investigation Department said they were helping me. Even gave me a direct number for the Investigation Department. I would have to open another dispute and talk to Customer Service Department.
I called again on XX/XX/XXXX the direct number for Investigation Department. I really tried to reason. In many ways also. I was told the Fraud Department decided not to give me credit for the last three amount billed from XXXX XXXX.
I would like for my resolution : 1. Credit of {$320.00} 2. XXXX XXXX contacted, and find who was benefiting 3. Receive my rewards for using XXXX XXXX XXXX XXXX Credit Card 4. Have my credit restored I contacted FTC, made a police report, and called the 4 credit bureau agencies. I feel I have exhausted all resources in trying to solve this.
Thank you for your attention in this matter. You may contact me by phone if needed.
|
| 02/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a complaint for Synchrony Bank who sold my account that I have been questioning and now XXXX XXXX XXXX who bought the debt that I have been questioning.
Neither company has had much communication with me about this debt they say I owe. Ive sent emails and letters with very little response if any at all.
Synchrony Bank : I have been disputing this " debt '' since XXXX and have got limited response back to my requests to prove the debt is mine and I signed for this debt. I have found several errors in responses they have provided me. which include the following : I was sent a letter in response to my multiple emails and letters from XXXX. In this letter were multiple errors.I sent a letter in return where I have 7 highlighted areas that are numbered 1-7. These highlighted areas are pin pointing issues with this letter I received that I would like to point out.
Highlighted area # 1 : Dear Ms. XXXX. Are they not aware I am a XXXX?
Highlighted area # 2 : This coincides with # 1. They spoke to me on the phone on XX/XX/XXXX. Giving me more confusion about why they would greet me with Ms. XXXX in the letter I received.
Highlighted area # 3 : They stated on XX/XX/XXXX I applied for a Synchrony HOME Credit Card. How do they know this? Were they there? Did they see Security footage of me being there? Did they hear a recorded phone call with me in it applying for this Credit Card? Instead of just telling me I applied for this Credit Card please provide me with proof. The only Proof I believe they have seen is most likely a signature of my name. Which I can guarantee will not be my personnel signature. Which now I would like to request a copy of the Loan application you say I filled out which I NEVER received.
Highlighted area # 4 : Joint Application. On the day XXXX Applied for a loan at XXXX XXXX I spoke with a gentleman over the phone to give him my information to be a REFERENCE on a loan application. Not to be on a joint account. I do not understand how this information was somehow mixed up or confused with. XXXX XXXX can assure you this information that I was not supposed to be on this loan.
Highlighted area # 5 : Address on File. On XX/XX/XXXX I lived at XXXX XXXX XXXX in XXXXXX XXXXXX. Was this the address on file? I did not receive any letters, phone calls, or emails about this account from Synchrony. I did not find out this Account was in my name until I got a Negative hit on my Credit Report. That is when I started to fight this. I have hired a Credit Reporting Attorney that is also looking into this matter which I also gave them a copy of the CFPB return letter which showed the Errors I am pointing out in this letter.I gave them an updated address thinking maybe I will start getting some letters/notices about this account ( account that I still dont know the full account number of ) being delinquent. Yet, I still havent got any form of contact about this delinquent account besides the letter about the CFPB case that I started. I even considered on offering to pay this debt for XXXX in return to get this off my Credit Report. But, I cant even try that because I have NO information about this account to attempt this. Every effort I make to get any info I am turned down because I do not have enough information to give on this credit card.
Highlighted area # 6 : They stated in this letter that Synchrony Bank did not receive a payment after XX/XX/XXXX. I dont understand this. Please explain to me how payments were not received BEFORE the credit card was even applied for which they stated was on XX/XX/XXXX? Is this error a lack of knowledge of this case or just laziness? Both of these reasons irritate me mainly because this account has ruined my credit report which has affected my life in a negative way very much and no one is even making an effort to help me. Synchrony is a large Corporation but of course you know this, these errors and/or lack of knowledge is unacceptable for business practices for such a large company.
Highlighted area # 7 : Charge off as loss on XX/XX/XXXX. How can a Loan be charged off 1 month after the credit card was issued which they stated was XX/XX/XXXX?
I understand typos happen, but in a professional letter that is impacting someones life severely, errors like these should be extremely important to not happen. This makes me think this is NOT important to Synchrony and not worthwhile. Which is Unacceptable. I will Not stop fighting this until it is fully removed from my Credit Report. I am documenting everything as it goes on including all the mistakes, errors and lack of communication that Synchrony is doing that is impacting my livelihood.
Synchrony Bank then SOLD this debt to XXXX XXXX.
XXXX XXXX : I once again noticed a Derogatory mark on my credit report on XX/XX/XXXX. I waited to see if I would get any for of contact from them. NOTHING came. On XX/XX/XXXX I sent an email to communicate with XXXX stating my dispute with this account since they are killing my credit report but no communication with me. On XX/XX/XXXX I received an email back saying it has been sent over to the disputes department. Since then I had sent the same email to the disputes department 2 times with no response. All while it is killing my credit report. I finally decided to send a debt validation letter to XXXX and I finally got a letter back, which once again had a major error on it. The letter stated to main account holders name. which is my ex girlfriends name which is who the loan was only supposed to be in. Then it states the main account holders last 4 numbers of social security number. which is the last for of MY ss # not my ex girlfriends. I find it extremely sad that I am reaching out to them to communicate with me with very limited response. You would think it would be the other way around, but NOPE. I have NEVER received any bill saying I need to pay $ XXXX amount. I have requested several times from the start of me disputing this debt that I need a copy of the original contract. which I yet have seen. I want this off my credit report. My credit report doesnt have a single negative make on it besides this " debt ''. It needs to be removed. I will not stop until it is removed.
|
| 04/03/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
1. The Synchrony Bank Fraud Department knowingly took our money and created a {$1200.00} credit balance in our new XXXX XXXX XXXX MasterCard, although we had asked them to XXXX-balance the account, while at the same time they restricted our account and denied us access to our own money.
2. Synchrony Bank also restricted access to our XXXX XXXX XXXX account, which also had a credit balance and denied us access to our own money. They did this despite the account being in good standing, and NEVER having an outstanding balance.
This is what occurred : a. XXXX : We had a XXXX Credit Card ( Synchrony Bank ) when were stationed at XXXX XXXX - I was serving in the XXXX Armed Forces at the time, but was attached to and working with the US XXXX at the time. We never had a problem with the card, and always paid it in full. We closed the card in XXXX when we were XXXX XXXX.
b. XX/XX/XXXX : We opened a XXXX XXXX XXXX Account with Synchrony Bank. ( We have lived in the US since I retired from XXXX XXXX in XXXX ; we are lawful permanent residents, and I teach at XXXX XXXX University ). Synchrony Bank raised no concerns when I opened the XXXX XXXX XXXX account, and we have used it problem-free since. Again we have never had an outstanding balance, and it is paid in full every month.
c. XX/XX/XXXX : At our local XXXX XXXX we were offered a XXXX MasterCard also provided by Synchrony Bank. We agreed, provided our basic information, and were approved on-the-spot. We made purchases on the new card of approximately {$1200.00}.
d. XX/XX/XXXX : The Synchrony Bank Fraud Department sent us a letter saying there was a problem verifying my identity ( SSN ), and they restricted our new XXXX XXXX MasterCard. At the same time they also restricted our XXXX XXXX, which we have used since XX/XX/XXXX, and which had a credit balance on it.
e. XX/XX/XXXX : We sent the requested information to the Synchrony Bank Fraud Department. We also enclosed a check for {$1.00}, and we asked them to please pay off our balance ; if there was a question about our identity, we did not want there to be any outstanding balance on our account.
d. XX/XX/XXXX : We received a monthly statement from Synchrony Bank / XXXX XXXX MasterCard indicating we still owed {$1200.00}. We immediately went on-line and paid it off, bringing us to a {$0.00} balance. Again we did not want any outstanding balance if there was any question about our identity, and XXXX had not cashed our check.
e. XX/XX/XXXX : Even though there was now a {$0.00} balance in the account, the Synchrony Bank Fraud Department received our letter and still cashed our check - despite our request to XXXX the balance, they created a {$1200.00} credit balance in our account.
f. XX/XX/XXXX : Cashing our check and creating the credit balance in our account, we believed this meant they had simply resolved the problem so we called Synchrony Bank and asked if our XXXX XXXX MasterCard was activate again : We spoke with Ms. XXXX, an Account Manager @ Synchrony Bank - Ms. XXXX reviewed our accounts and seemed to clearly see and understand the situation - she recognized the Fraud Department had trapped our money, but she apologized saying she was powerless to fix the problem ; in her words, the Fraud Department operates behind closed doors and in secrecy.
g. XX/XX/XXXX : After trying to resolve it for 2 weeks and with our money still trapped by the bank, we wrote to the Bank HQ to file a formal complaint.
h. XX/XX/XXXX : We received another letter from the Fraud Department ( same as the XX/XX/XXXX letter ) asking us to send them the same information again, the information we had already sent them on XX/XX/XXXX.
i. XX/XX/XXXX : We sent the same information again, and I called the Synchrony Bank Fraud Department to attempt to resolve the issue. I spoke with Ms. XXXX, who identified herself as the manager of the Fraud Department. I explained what occurred, but Ms. XXXX response was it was the Banks right to restrict the use of our cards ; Ms. XXXX seemed unable to comprehend that her department had knowingly created a credit balance in our account, while at the same time they were also restricting our access to our trapped money. She also did not understand that I had never questioned the Banks right to restrict access to our cards - if there is a question of potential fraud the Bank must have the right to restrict the use of anyones card, to protect their interests, but also to protect us as customers. Please see attached in our letter to the Fraud Department on XX/XX/XXXX - we said : " We understand you have restricted our charge privileges on our XXXX XXXX and our new XXXX XXXX. That is your right to protect your interests and I recognize this also protects our interests, as we would not want our credit used by someone other than us. '' In an effort to resolve the problem I asked Ms. XXXX if I could please speak with who was in charge of the Fraud Department ; Ms. XXXX told me Ms. XXXX ( the CEO of Synchrony Bank ) was in charge of the Fraud Department. I could not speak with Ms. XXXX, I would have to write to her. She then refused to give me Ms. XXXX 's address so I could write to her to try to resolve the problem.
j. XX/XX/XXXX : I found Ms. XXXX 's corporate address online and I wrote to inform her what was going on - that the Fraud Department had trapped our money, and were restricting us from accessing it - and to register our formal complaint.
Despite our letters to Synchrony Bank to try to resolve this - to the Fraud Department on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and to their Manager XX/XX/XXXX - and to Corporate HQ on XX/XX/XXXX, and then to the CEO on XX/XX/XXXX, no one has responded or contacted us. The Bank is silent.
There is an irony in this situation - the Synchrony Bank Fraud Department, despite their responsibility to protect the Bank and us against fraud ... has abused their power and knowingly trapped our own money from us, which in an odd way ... is fraud. And at the same time they also restricted our XXXX XXXX XXXX account - also knowing that it was a good account that was always paid in full, and also knowing that it had a credit balance too - they trapped that as well.
|
| 06/02/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
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My name is XXXX XXXX, my mailing address is XXXX XXXX XXXX, XXXX XXXX XXXX, Oh XXXX. The account number for XXXX XXXX and more is XXXX, the account number for XXXX XXXX is XXXX and TJMaxx is XXXX.
The reason I have requested assistance is I had four credit card accounts with Synchrony bank, TJMaxx, XXXX XXXX XXXX, XXXX XXXX and Lowes Home Improvement. I purchased furniture in a buy one get one free promotion in XXXX of XXXX with my XXXX XXXX card. I had an issue with the television which was one of the free items and it later showed up as a charge on the account. I called Synchrony about this issue and they closed that account while investigating and gave me a new account, this caused me to have no access for proof of date of purchase and actual charges. After this I was making payments on the account, paying extra so as to pay off the card as quickly as I could. A year later I purchased an embroidery machine, about XXXX of XXXX. I had the XXXX XXXX account paid down to {$930.00} when I noticed that my balance went back up over {$1600.00}, so I contacted Synchrony and asked them why my account had jumped and they told me that my promotional period had ended and that they had added the interest to the account that would have accrued over the 18 month time frame. I asked them if they went by my actual balances because I had paid extra every month and I was told no. I then asked how they could do that legally because I did not actually earn that interest because again, I had paid extra. The representative then argued with me about the interest and I asked what would happen if I closed the account and just made payments and I was told that I could not do that. I would have to pay the full amount or get sent to collections. I could not pay the full amount so I continued to make payments on the accounts. About XXXX of XXXX I was notified by letter that three of my Synchrony accounts would be closed, the reasons were late car payment, balance not paid down enough of my home and something else I can not remember ( I am searching for a photo of the letter as I no longer have access to them in my app ). The car payment being late was legitimate because I bought a car and my son was supposed to be paying for it and wasn't making the payments I later found out, but at the time of the letter it was one payment late. The reason about my home was not legitimate because I had actually just purchased my home in XXXX of XXXX and was paying a little extra on each payment to bring the principle down. The TJMaxx account had XXXX balance and they still used the same reasons to close it. The Lowes account however, is still active and I am making payments on it, it was never closed. If I have four accounts with them and they closed three for the same bogus reasons, why wasn't the fourth closed too? I have dealt with credit card company 's in the past who have closed accounts after a year of inactivity, which is what I actually believe Synchrony has done with the three accounts. I had not made a purchase on any of them for over a year as I was trying to pay down debt. I called customer service for all three accounts after receiving the letter and complained that their reasons were not legitimate and I was told they would investigate and nothing was done. So, when they closed these accounts not only did they drop my credit score which I was trying to bring up, they also reported them with derogatory reasons.
I tried to continue to make payments through the app on my phone as I had been doing the whole time only to find I was locked out from everything, all I could see was a balance and a due date. When I logged into my online account for my Lowes card, I wasn't able to add it to my app, I found that the closed accounts were linked to it. Again, I had no access to anything in these accounts except a balance, payment amount and due date. I had a drastic reduction in pay, about half what I was making, so I contacted Synchrony after receiving a certified letter and made a payment arrangement for the XXXX XXXX account. I fell behind on the XXXX XXXX XXXX card but managed to come up with the overdue amount plus paid extra to bring the balance down. It was over {$700.00} and I made a {$400.00} payment to bring it down to I believe about {$320.00}, again I have no idea the actual amount because I have no access to anything. After I made that payment I logged in the next month and the account was showing a minimum payment due of over {$120.00}. That was not the original payment amount so I paid what I could because I do not remember what the original payment was, remember, I have no access to any previous account information. I have been making payments on these accounts, not the original payment for XXXX XXXX XXXX because I have no idea what the original payment was. While I have been doing this they have reported that I have not made payments, added late fees and interest and doing whatever they can to drag my credit down further.
The final straw was last week when I tried to log into my " account center '' as they had it labeled, to make a payment on the two closed accounts and they took away my access to them. This page now just shows my Lowes account. Not only am I now not able to pay these accounts online, it also broke my payment agreement for the XXXX XXXX account.
This company was so mad that I argued with them about what I felt was an unfair practice of not calculating the actual interest that would have been accrued on my account, that they purposefully closed accounts with derogatory remarks and have intentionally made my ability to make payment, not once but twice, as difficult as possible. And, may I add that while I was making payment, I received telephone calls and emails from them daily telling me I need to make a payment. Also, I work third shift currently and sleep most of the day.
I would also like to add that when they closed my accounts, my insurance went up which in turn also made my house payment go up because we all know insurance is based on credit scores. I am currently looking for the copy of the account closing letters I originally received and if I am able to find them I will email also.
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| 06/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I paid for a service in full on my care credit card for a service that was not fully rendered to me by the merchant that I paid in full. I initiated a dispute with the credit card company on multiple occassions and I was told multiple times upon follow up that my dispute was entered in wrong with the disputes department. The disputes dept entered my dispute in as a service quality issue, dispite the fact I always disputed this transaction under services not rendered, which was the case. Each time I called the disputes dept, they confirmed they re-initiated the dispute under the correct category that time. This never happened, and each time the dispute was entered in wrong under a quality of service issue and was closed out in the merchants favor despite all the evidence I supplied.
Each time I re-opened the dispute I explained that I am disputing under services not rendered, not under the category their disputes dept was assigning in error. I was re-assured on multiple occassions that this error would be fixed and a new dispute filed. My dispute was entered in wrong each time, and never fixed and never resolved to this date. Care Credit closed out my dispute each time, and at times failed to respond within the timeframe given to me. They also failed at times to temporarily refund my account for the disputed balance while the account was being re-disputed, which made me feel as though the account was not really being placed into dispute status with the merchant. I feel my dispute has been terribly mis-handled with no care, and absoltuely no regard for the facts and all the evidence I supplied to the disputes dept during this entire process. I still have not been refunded for the purcahse I made, to which I didn't receive services for. This is not right, how can I pay for a service, not recieve a service and not be able to get my money back? This is wrong, especially considering the evidence I supplied back to the disputes dept. I sent a letter by certified mail and gave more information, but I feel that was also overlooked.
I supplied the disputes dept with all the evidence they needed for their investigation, even evidencing how the merchant had at times fraudulently falsified their documents in their response and account ledgers, yet I was never given the money back for my dispute. I feel like it does not matter what evidence I gave to care credit, they only kept closing out the dispute not in my favor. I am very disappointed and would like to file a formal complaint against this credit card company. I want to be refunded the money I am owed from this merchant, who failed to complete the work I paid up front for.
Dates ( does not include all dates ) : XX/XX/XXXX - I initiated a dispute.
XX/XX/XXXX - the merchant responds to credit card company.
XX/XX/XXXX - I received a letter from disputes dept stating they closed the dispute quoting they can not judge based on a quality of service dispute.
XX/XX/XXXX - I initiated a dispute under services not rendered.
XX/XX/XXXX - I sent a fax with additional evidence to disputes dept, re-opening dispute.
XX/XX/XXXX - I received a letter from disputes stating dispute was closed not in my favor as no billing erro was found.
XX/XX/XXXX - the merchant submits their response to disputes dept.
XX/XX/XXXX - I received a letter from disputes dept stating they closed the dispute as this was due to quality of services.
XX/XX/XXXX- received a letter from credit card company, asking to contact them is not satisfied.
XX/XX/XXXX - I spoke to a XXXX within the disputes dept, XXXX claims she revised the langauge to correctly reflect that the dispute should fall under services that have not been rendered.
XX/XX/XXXX - I received a letter that the account was being disputed.
XX/XX/XXXX - I recieved a letter from the credit card company stating the dispute was closed out again under quality of services which they can not be the judge of.
XX/XX/XXXX - I spoke to another supervisor who said that the dispute I re-opened was again entered in wrong under a quality of service issue, not for services not rendered. He re-opened dispute.
XX/XX/XXXX - I received a letter that the account was being disputed.
XX/XX/XXXX - I received a letter from disputes dept stating the dispute was closed not in my favor because they determined there was no billing error.
XX/XX/XXXX - I called and discovered nothing was done with my dispute in XXXX, again I re-opened the dispute and I received a letter stating the account was being re-disputed.
XX/XX/XXXX - I received a letter from disputes stating that the dispute was closed because they beleive there's no billing error ( despite all the evidence I submitted to the disputes dept showing the fraud and ledgers that were falsified by the merchant, in addition to the wrong ledger supplied! ).
XX/XX/XXXX - Care credit notifies me of the merchants reply and supplies copies, it was the exact same reply from the merchant they submitted to the credit card company the year prior on XX/XX/XXXX.
XX/XX/XXXX - I spoke to customer service, they could not believe how my dispute was being handled and I was told that my issues were being directed tothe corporate dept and that someone would be in touch shortly to help resolve the issues. I never received a call back, or any correspondece from upper management after that call, as promised.
XX/XX/XXXX - I wrote a message to the credit card dept asking what the status was of my dispute opened on XX/XX/XXXX.
XX/XX/XXXX - I received a response through the portal, stating that they need additional time to process my dispute.
XX/XX/XXXX - I wrote back asking for my dispute to be escalated to a supervisor.
XX/XX/XXXX - I received a reply that it can take up to XXXX billing cycles to get a response.
XX/XX/XXXX - I received a reply stating that the dispute was closed, as they determined no billing error has occurred on this account. I was also informed no new disputes initated by me would be investigated.
XX/XX/XXXX - XXXX received a letter from the credit card company stating I needed to contact them if I was not happy with the way my case was handled.
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| 06/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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I had some dental work done in XXXX ( {$3500.00} ). On my way out and while standing at the checkout desk, my dentist 's assistant offered me a payment plan for convenience. I accepted but signed no paperwork or application of any kind, and received only a small 3-fold brochure, and a receipt for the dental work done. There was no discussion of a security fee, and nothing in the brochure referenced a security fee. Several weeks later I received my CareCredit/GE Capital Card , but no paperwork referencing a security fee.
My first CareCredit statement was on paper and there were no references of any kind regarding a " security fee ''. Thereafter CareCredit switched to electronic statements via email. Those emails show a digital statement, with the balance and payment due. However, there is no reference to a security fee or the security program. I have had the account on autopay since my dental visit in XXXX.
Several months ago, I received an email from CareCredit ( now Synchrony ) about their convenient new app and so I decided to download it - and goodness! What did I find? A whopping $ XXXX MONTH security fee, which over the course of the 10 years I have had the account equals @ {$15000.00} in security fees alone.
My account balance exceeded {$8800.00} ( far over the {$5000.00} limit, negatively impacting my credit due to " high usage '' on a card that never left my file cabinet ).
The cost of dental work was {$3500.00}.
I reached out to CareCredit /Synchrony and I spoke with several customer service individuals who basically gave me the runaround when I requested to speak to a manager - of course, not available ( on at least XXXX different calls with promises of a call back- which never happened ).
One of the customer service reps emphatically told me I did sign up for the program, so I asked that she send me verification via the original document that she claims I had signed. If it's my signature, ok fine, but if it's not, I want ALL of the fees from an unauthorized " Security Program '' reimbursed and the funds withdrawn without my consent returned.all {$15000.00}.
I specifically stated that unless she or her manager could reimburse me for the ENTIRETY of the fees charged, ( assuming they could not, which the customer service validated that she could not ), NO CHANGES were to be made to the account UNTIL l had the opportunity to speak with a manager or a member of their leadership team regarding the account, as I wanted to have a visit and really understand exactly how a dental bill of {$3500.00} ballooned to $ XXXX excluding the almost {$16000.00} in accumulated security fees and the interest, or interest upon interest...
I requested a line item breakdown of the account charges, fees, interest, and interest on the interest that had compounded over time for the life of the account. Specifically, I was looking for how much the security fees had contributed to the increased balance over time, and I wanted to determine the compounded interest that I had been accumulatively charged on security fees, and the resulting continuously increasing balance.
A week or so later ( XX/XX/XXXX ) I received an automated letter of verification ( not a copy of the original document with my signature that I had requested ), confirming that I had been enrolled in the security program since XX/XX/XXXX. ( Had I known that the Security Program pays off your debt up to $ XXXX in the event of job loss, I most certainly would have taken advantage of that during XXXX! ) Approximately a week later, the Care Credit App on my phone alerts a notification, and it appears that Synchrony has credited my account {$1500.00} ( not {$15000.00} ) for my Card Security Debt Cancellation. And so now they have my XXXX AND they have canceled the coverage despite my specific request for no changes to be made until I can speak to someone higher up at Synchrony.
I reached again to Customer Service and again, and the runaround, and promises of callbacks. I received one voicemail ( the phone did not ring ) whereby a Synchrony " Manager '' left me a message to call her back- alas, no name and no telephone number was shared in ther message - caller ID did not reveal a number.
After several more attempts to speak with someone, I check the mail and see I have received yet another letter from Synchrony ( XX/XX/XXXX ) with my " new '' terms and of course, no reference to the Security Program for which I have now " invested '' in to the tune of $ XXXX.
I am in desperate need of resolution regarding this matter as it is obvious that they made the changes to my account in an effort to abscond with monies and hide their deceptive practices, which I dare say consists of theft and fraudulent behavior, but also has - and continues to - cause great harm to my credit, affecting all other critical ( and financially related ) aspects of my life... anywhere that credit and usage of credit is a key component in decision-making.
As it so happens, I was laid off prior to my inquiry with CareCredit ( though I did not reveal this ), and I suspect they may have done a bit of research, come to that determination, and decided to head off any claims I might have submitted, in advance.
As of now, I believe that it would not beyond the scope of appropriate remedies to request that the remaining existing account debt receive a full credit reimbursement, as well as return the nearly {$16000.00} in Security Fees to my bank account from which they were illegally withdrawn without my knowledge, authorization, or consent ; the interest earned on those fees, and the interest upon interest earned on those fees, and any additional monetary penalties that can be attributed to Synchrony Bank 's deceptive and harmful trade practices, and to make good on the reputational and financial damage they have incurred.
I have also written to the main credit/data aggregators, XXXX, XXXX, and XXXX, XXXX dispute the accuracy of the account as it stands and request its removal from my reports, which has yet to be acknowledged or undertaken.
Your assistance in this matter would be greatly appreciated.
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| 07/06/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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I am a consumer and accountholder with Synchrony Bank. Synchrony bank sent me a letter stating that my credit as pulled as my consumer was provided as per the letter that I received in XX/XX/XXXX. No disclosure or notice was made to me nor was my permission granted. The letter stated that Synchrony Bank was closing my account. I was laid off from work on XX/XX/XXXX, due to the Coronavirus pandemic for over XXXX year, and not one time have I EVER defaulted on my payments to Synchrony Bank.
I called Synchrony Bank when I received the letter on XX/XX/XXXX, and spoke to a Representative who refused to investigate the matter any further in the Credit Department, not the Customer Service Department.
My initial letter to look into this matter was addressed to the President/CEO, XXXX XXXX XXXX however, XXXX XXXX responded . Her position was confusing as her email states Senior Consumer Specialist and her mailed letter merely states Office of the President.
In a review of XXXX XXXXXXXX XXXX letter denying my request to waive my balance and remove this account as Synchrony Bank unfairly closed my account, at no time did Synchrony Bank acknowledge the Federal/ Laws that I mentioned as XXXX XXXX XXXX letter continuously referred me back to Synchrony 's TERMS AND CONDITIONS and her letter shows no remorse. Her letter implies that I have no rights as a consumer, which violates Federal Law.
The following Federal Laws that Synchrony Bank has violated : 15 USC 1602 ( k ) - The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
As a result of the above-noted law, Synchrony Bank is in violation as Synchrony did not provide ANY adequate notice to inform me of their action. An electronic notification was sent to me on XX/XX/XXXX, stating that you already closed my account on XX/XX/XXXX. XXXX XXXX XXXX Letter reiterates the same fact that my account was closed on XX/XX/XXXX.
15 USC 1691 ( d ) ( 2 ) ( b ) ( 6 ) - Reason for adverse action ; procedure applicable; adverse action defined- ( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by ( B ) giving written notification of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request. ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit.
As a result of the above-noted law, Synchrony Bank is in violation as Synchrony Bank NEVER provided the identity from the office from which such statement may be obtained- Synchrony only provided the company name and contact phone number.
Please see attachments from Synchrony Bank and XXXX XXXXXXXX XXXX subsequent letter which violates both Federal Laws.
I also find it odd and concerning that it took 3 days for XXXX XXXX further " investigate '' this matter... She acknowledged receipt of my email on XX/XX/XXXX which stated the following : 'We will be responding to your concern within seven to ten business days, '' and sent a letter on XX/XX/XXXX? This is not 7-10 business days. XXXX XXXX has never spoken to me verbally and only sent me one email and a letter that was completed 3 days later after receiving my complaint. Please see the attached showing the email correspondence from XXXX XXXX which contradicts the stated response time.
My question to Synchrony Bank and XXXX XXXX : why were these " terms '' NOT disclosed when I opened this line of credit in the store? Was a Representative of Synchrony present and if so, who was this Representative from Synchrony Bank to disclose this contract that you are now saying that I have with your company, Synchrony Bank? I did this PRIVATE consumer credit transaction with Rooms-To-Go, they took this information and made it public to Synchrony Bank. Wouldn't my agreement be with Rooms-To-Go when this line of credit was opened in the Rooms-To-Go Store? Isn't that misleading to NOT have an official Representative from Synchrony Bank disclose ALL of the terms and conditions in order for a consumer to make an educated choice to continue with the agreement? I have one of the sale receipts and the Terms and Conditions only reflect the agreement between myself and Rooms-To-Go. No mention of Synchrony Bank.
The " agreement '' that was NEVER presented to me in-store that was mailed by XXXX XXXX does not contain any clauses on accessing MY CONSUMER REPORT nor does it provide any terms that require a certain credit score and what is required to maintain this account.
My first letter, after my unsuccessful call attempts to resolve this matter, resorted to me writing a letter to request that this closed account be removed and future payments are waived. As detailed and proven in my attachments, Synchrony Bank and XXXX XXXX XXXX continue to deny me my rights as a Consumer.
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| 01/19/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear Sir or Madam, 1.SYNCBXXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with SYNCB/XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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1. SYNCB/BANANA REP Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, as well as 60 days late in XX/XX/XXXX, XX/XX/XXXX, as well as 90 days late in XX/XX/XXXX, XX/XX/XXXX, as well as 120 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with SYNCB/BANANA REP and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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| 12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have disputed my account balance since XX/XX/2023, during which time Synchrony has done an abysmal job of communicating clearly. Because of their failure to make themselves understood, this dispute has gone on far too long and has become far too complicated, particularly given the small amount in controversy.
Since the last time I used the account for a purchase, in around XX/XX/2023, my minimum monthly payment had been {$190.00}.
On XX/XX/2023, I paid ( via my bank account, as usual ) {$190.00} toward my next regular monthly minimum payment. Even after several days, the payment had not posted to my account, so I sent a message on XX/XX/2023, to advise of a potential problem with the payment.
Synchrony issued a temporary credit of {$190.00} while it investigated the missing payment, which within the next few days apparently was processed and was posted. At that point, they reversed the credit and debited my account {$190.00} to offset it. This brought us even. It was a wash. Synchrony received the amount duein a timely fashion, I addand the temporary credit was reversed. That should have been the end of this.
On XX/XX/2023, I became aware that my minimum monthly payment had increased by {$35.00} to {$220.00}. My account statement dated XX/XX/2023, gave no explanation for this increase. There was no late payment fee listednor should there have been because my account was current at all times. The only transactions on the statement were those that I have already described.
I wrote back that day to request an explanation for this increase. In what has become an agonizingly consistent theme, the reply ( from XXXX XXXX. ) was utterly incoherent : Please note that the minimum payment due will increase on your account when there is a late payment or interest charge. Our records indicate the transaction made on XX/XX/2023, XX/XX/2023 in the amount of {$8100.00} ad {$7100.00} was placed on an Fixed Payment promotion which means you will be charge [ sic ] interest at a lower rate of 9.99 %.
That gibberish, of course, failed to provide any explanation for the payment increase, so I replied, in an increasingly angry fashion, to demand a response that actually made sense. XXXX XXXX wrote back, listing the transactions Ive already described here and saying, [ We ] have charge [ sic ] back total of {$190.00} on XX/XX/2023 to offset the temporary credit that we have applied. This charge back was considered standard balance that cause [ sic ] your minimum payment to increase [ emphasis added ].
That language quite literally enraged me ; the chargeback was a wash that shouldnt have affected my minimum payment. Not even by a XXXX. XXXX replied that Synchrony would investigate the matter and advise me when theyhad reached a conclusion. This was on XX/XX/2023, the same day that I did precisely what I was required to do under the terms of our agreement : remit the undisputed balance due of {$190.00}.
On XX/XX/2023, I wrote back, angrier still, because a more-than-adequate time for such a simple matter to be resolved had transpired with no explanation for the increased payment. XXXX XXXX replied to indicate that Synchrony needed an additional XXXX to 14 days.
On XX/XX/2023, I became aware that Synchrony had charged me a late fee of {$30.00}, and I demanded that they reverse that charge immediately consistent with the terms of the credit card agreement. They acceded to that demand, and XXXX XXXX replied that, now, theyd need as much as 60 days to resolve the matter.
On XX/XX/XXXX, I saw that Synchrony had, once again, incorrectly calculated my minimum payment, charging me {$220.00}. I wrote immediately to contest the increase and to advise that I would only be paying the undisputed amount of {$190.00}. I received a reply from XXXX XXXX that was nothing but boilerplate ; I dont even grace it with the term reply because it did nothing more than to evidence that XXXX hadnt even read my message.
The response to my e-mail complaint about her unresponsivenessthis time from XXXX XXXX an apology that the response could not be more favorable. Once again, this was not responsive, and I expressed that fact in a reply stating that the problem was not an unfavorable response, but no response at all. More gibberish from XXXX prompted a demand that the matter be escalated to a supervisor immediately.
That never happened. The next event was me becoming aware on XX/XX/XXXX, that Synchrony had imposed another late fee, this time ( inexplicably ) in the seemingly arbitrary amount of {$41.00}. I wrote to complain about the fee and the long delay in the resolution of the matter, demanding that the fee be reversed ; XXXX XXXX responded shortly thereafter. She said that the investigation had concluded and that she was attaching the resolution letter previously sent to you. She did not attach anything, nor had I previously received anything. She also refused to refund the late fee. I demanded a refund and an explanation of Synchronys conclusions by the close of business on XX/XX/2023, indicating that I would take appropriate legal action if they failed to respond.
On XX/XX/2023, XXXX XXXX wrote that the late fee was being refunded As a courtesy. She also attached the resolution letter referenced by XXXX. It was dated XX/XX/2023, yet I was seeing it for the first time. That hardly matters, though, because ( as seems typical ) the letter offered no resolution : Your payment has been applied to your account balance as requested. The change will be shown on your next billing statement. What does that even mean? What about the minimum payment increase and the amount allegedly past due? Not a word of explanation.
I replied that, because Synchrony had failed to provide an explanation by the close of business on XX/XX/2023, I would file this complaint on the morning of Monday, XX/XX/2023. Over the course of the weekend, I received a message from XXXX stating that the matter was being escalated to the corporate office, which would contact me within 7 to 14 days.
|
| 08/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I received a letter from PayPal Credit c/o Synchrony Bank alleging that I owed money to them. I returned a letter to them on XX/XX/XXXX stating that it was not my account and asking for a copy of the lending agreement bearing my signature, a copy of a XXXX, or something bearing an IP address associated with a machine under my control. I advised them that if they could not provide proof of the debt or a statement of charges and where the purchases were mailed, they were not to contact me further under the FDCPA. ( Pub. L. 95-109 ; 91 Stat. 874, codified as 1692-1692p ( 1977 ) and as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) specifically under subsections 8056, communication in connection with debt collection, 806, harassment or abuse, 807, false or misleading representations, and 809, validation of debts and any other action or remedy expressed within the Fair Debt Collection Practices Act ) On XX/XX/XXXX, I again received a letter from them stating that I had opened an account on XX/XX/XXXX, and stated they would honor my request to cease collection efforts. They did not provide any copies of the statement, only a summary saying that there was a balance of {$4400.00}, but no evidence as to what was purchased, where it was sent, or who ordered it. I responded XX/XX/XXXX reiterating that it was not my account, and that they had failed to provide proof that I was the individual responsible for opening the account. I again requested a signed agreement, a copy of a XXXX, or anything bearing an IP proving that it originated from a machine in my control. I once more stated that if they could not provide the requested information, to cease collection as per FDCPA citing SS 805, 806, 807, 809.
On XX/XX/XXXX I received a statement stating that I now owed {$5000.00}, again, with no evidence of what was spent, where it was spent, where it was shipped, or who ordered it. I replied on XX/XX/XXXX with an updated copy of the same letter, requesting evidence, and if none could be provided, demanding collection contact cease under the FDCPA.
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX , XXXX XXXX stating that SYNCHRONY BANK " claims '' I owe them {$5100.00} and stating I had 30 days to dispute or they would obtain judgement. This appeared to be an intimidation tactic.
I once more sent a request for ACTUAL PROOF, and on XX/XX/XXXX received a letter from Synchrony Bank ( PayPal ) stating that " due to the retention guidelines that govern our organization, the application ( s ), sales slip ( s ), or billing statement ( s ) are no longer available. '' essentially admitting that they had no proof.
On XX/XX/XXXX I wrote to their attorneys XXXX XXXX XXXX , XXXX XXXX that I had sent multiple letters ( I included the dates ) stating that I deny that this is my debt, that they have been unable to provide documentation or evidence of the debt, and that continued contact or negative reporting would be considered harassment and slander.
On XX/XX/XXXX I wrote to Synchrony Bank CC XXXX XXXX XXXX , XXXX XXXX demanding a copy which showed charges made, when made, to whom made, and by whom made/where shipped. I informed them again that I deny liability. I stated that it is not my debt, and I reiterated that if they could not provide actual evidence, they are in violation of the FDCPA.
On XX/XX/XXXX they sent me a copy of " terms and conditions '', a statement of activity ( which had only the amount PayPal claimed I owe ), and no proof whatsoever that the debt is mine, where it was acquired, what was purchased, where it was sent, or any other proof whatsoever.
On XX/XX/XXXX, I once again sent a request for ACTUAL PROOF, and pointed out that on XX/XX/XXXX received a letter from Synchrony Bank ( PayPal ) stating that " due to the retention guidelines that govern our organization, the application ( s ), sales slip ( s ), or billing statement ( s ) are no longer available. '' essentially admitting that they had no proof. I stated that since they have no proof, they must CEASE contact and collection efforts IMMEDIATELY.
On XX/XX/XXXX after failing repeated times to provide proof that this was my debt, they again sent a demand for payment and insisted that if I did not provide a written dispute within 15 days, they would consider the matter closed, DESPITE ME REPEATEDLY DISPUTING THE DEBT. I immediately sent ANOTHER dispute, requesting proof, or demanding they cease according to the FDCPA.
On XX/XX/XXXX they again sent a demand for payment insisting that it WAS my debt, but still failing to provide any evidence, and again stating that I had 15 days to provide a written dispute or they would consider the matter closed. So I ONCE AGAIN provided a letter, this tie stating that they were in violation of the CCPA and the FDCPA. I let them know that I had contacted them multiple times regarding this fraudulent account, that I continue to dispute it, reminding them that they have repeatedly failed to prove the debt, and reminding them that I have repeatedly demanded they cease communication and collection effort.
On XX/XX/XXXX after again receiving their demands in direct violation of the FDCPA due to their repeated failure to provide proof and my repeated demands that they cease contact and collection attempts, I wrote a letter telling them specifically " YOU ARE TO CEASE AND DESIST ALL METHODS OF CONTACT INCLUDING BUT NOT LIMITED TO MAIL, EMAIL, PHONE, TEXT, FAX OR ANY OTHER METHOD WHATSOEVER .... I DENY THIS DEBT. I DISPUTE ITS VALIDITY. YOU HAVE PROVIDED NO EVIDENCE ... YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT IN MULTIPLE WAYS AND MULTIPLE TIMES. '' On XX/XX/XXXX I received a certificate of service that I must appear in court on XX/XX/XXXX. No paperwork was provided, no motions, no other information.
I have copies of all letters received, and all letters sent. They have FAILED to provide proof that this is my debt, and they have failed to follow the law as it applies to Fair Debt Collection Practices.
|
| 11/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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1. SYNCB/QVC Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as 60 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as 90 days late in XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with SYNCB/QVCT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/30/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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|
Please note that the following are the events that occurred regarding the dispute on the charge of {$580.00} on XX/XX/XXXX.
XX/XX/XXXX at XXXX - Initial appointment with XXXX XXXX at XXXX XXXX XXXX I had an exam for contacts and glasses. I purchased glasses and was provided a trial pair of contacts that was the incorrect prescription. I was informed that I would be contacted within a few days when the correct trial prescription came in. I am a new patient to XXXX XXXX and he made a significant change to the prescription that Ive had for over 10 years.
XX/XX/XXXX - I wore glasses for a full day while doing computer work from home. I noticed glare and experienced migraines.
XX/XX/XXXX at XXXX - I contacted XXXX XXXX by phone. I complained of issues with glare on the glasses as I paid for anti-glare coating and XXXX. I was informed that the anti-glare protection was placed on the glasses. The XXXX was not acknowledged.
XX/XX/XXXX at XXXX - I received a missed call and voicemail from XXXX XXXX that the correct trial contact lens prescription arrived for pickup.
XXXX at XXXX - I picked up sample contact lenses. I brought the new glasses with me and informed staff of the issue with the glare to which no solution was offered. They confirmed that the anti-glare coating was placed on the glasses.
XXXX at XXXX - I contacted XXXX XXXX by phone to complain about the contacts prescription. I scheduled an appointment with XXXX XXXX for XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX - I received a phone call from XXXX XXXX reminding me of my appointment with XXXX XXXX at XXXX.
XXXX - I visited XXXX XXXX to re-evaluate contacts and glasses prescription with XXXX XXXX. I informed him that I struggled with seeing small numbers on the back of a credit card and road signs while driving while doing a trial of the contact lenses he prescribed. I also informed him of XXXX when wearing the contacts, and that I had only worn the glasses once due to XXXX XXXX XXXX initially said he would address the glasses prescription first and then changed his mind to change the contacts prescription, stating that it could be costly for him " to go through multiple glasses lenses. '' I was agreeable. I asked if the issue could be the drastic change to my prescription and initially he said no but then later agreed that his change by increasing the strength of the astigmatism could be creating the problem with my vision and XXXX. He indicated that he was having a difficult time determining my prescription and wanted me to try three different prescriptions of trial contact lenses. He indicated that he would address the prescription on the glasses at a later date.
XX/XX/XXXX at XXXX and XXXX - I received two separate missed calls and voicemails informing me that the three trial pairs of contact lenses had arrived.
XXXX - I picked up three pairs of different prescription trial lenses.
XX/XX/XXXX at XXXX - I visited XXXX XXXX to return glasses. I was greeted by a young woman who indicated that I would have to wait for the manager to arrive to the store before a return could be processed. I waited for the manager to arrive to the store before the return could be processed. Upon his arrival I was informed that I could not return the glasses because they had a no return policy and I had never complained about the glasses. I informed him that I complained multiple times including directly to him and that XXXX XXXX was aware that there was an issue with the prescription. I informed him that he was seeking to address the contacts prescription before addressing the glasses because it was " cheaper '' for him. I indicated that I had tried 4 pairs of different prescription contacts as he made a drastic change to my initial prescription that led to migraines and difficulty seeing. He reported that there was no documentation of my complaints. He also indicated that if he was to refund me for the glasses he would have to subtract the cost of materials such as the lenses and frames. Additionally, he stated that he was unable to process a refund and that Care Credit was responsible for processing the refund. The manager raised his voice and yelled at me several times through my attempt to argue and negotiate a refund. After arguing, he was agreeable to speaking to XXXX XXXX on XXXX as XXXX XXXX was not working that day. I agreed to contact Care Credit. I left the glasses with them and indicated that I can't use them as they are the incorrect prescription.
XXXX - I called Care Credit at XXXX and filed my first dispute.
XXXX - I received a message through the Care Credit Message Center with 2 pdf attachments that were unable to be opened on any device. I contacted customer service for more information and was informed that they were unable to open the pdfs as well and that a letter would likely come in the mail.
XXXX - I received a letter that my dispute was denied. I contacted Care Credit Customer Service by Phone to file and appeal and was informed that no documentation was provided. I sent complete documentation along with my attestation in via the Message Center as seen on the attached letter.
XX/XX/XXXX - I received a message and pdf from Care Credit through the Message Center declining my appeal stating that they believe it was a service quality issue.
XX/XX/XXXX - I filed a Declination to Pay based on page 9 of the Care Credit Cardholder Agreement. I receieved a message acknowledging the dispute and was informed that there would be an investigation that would take up to 60 days, however upon attempting to follow up, I was not provided information on the status.
I have been making my payments toward a different charge however I declined to have payments applied toward the disputed charge until this is resolved. I have made concerted attempts to resolve this issue with the merchant and with the credit card company. Unfortunately I still was unable to get resolution for inadequate service and to not have the product that I am being charged for.
|
| 10/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
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Dear Sir or Madam, 1. SYNCB/AMEAGL Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and 60 days late in XX/XX/XXXX, XX/XX/XXXX as well as 90 days late in XX/XX/XXXX and XX/XX/XXXX I immediately disputed this information with SYNCB/AMEAGL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/22/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
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I financed some XXXX XXXX XXXX mattresses from Ashley Furniture Homestore XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX ) on XX/XX/2020. At that time, I was told by XXXX XXXX, under the direct guidance of the manager XXXX, that I was approved for {$6600.00} with 60 months to pay it off at 0 % APR. I actually wanted an upgraded version that was approximately {$1000.00} more and was told that I could try out the XXXX and could upgrade within 90 days without penalty and the {$100.00} upgrade fee would be removed as a courtesy, as well as the delivery fee. Towards the end of the transaction, XXXX mentioned that they were out of mattress toppers but should be able to get them in on Friday. I called on Friday to confirm the toppers were there because I live quite a distance away from the store, no mattress topper but she mentioned that she would go by the XXXX store, which is close to her house and would pick them up for me. I informed her that we were headed out of town and couldn't get it that weekend but could do it the following week. THIS DIDN '' T HAPPEN and I ended up going by the store ( 3 ) different times to pick up the toppers and finally got the toppers in XXXX. XXXX helped me resolve a prior issue at another store ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) in XXXX regarding another mattress set and Queen Size bed not being delivered on the projected date, without notice, and was delivered ( 2 ) weeks later. So, I was pretty familiar with him and trusted his word. XXXX, on the other was someone that I trusted only because XXXX was right beside her, giving tips and guiding throughout the transaction. Upon opening the XXXX topper, we noticed yellow stains throughout and immediately went to the store. The manager, by the name of XXXX, eluded that the stains came from us, only to discover that ( 6 ) additional toppers ( that was opened at the counter in front of everyone from their inventory ) was stained as well. Needles to say, she only credited us for one ... We were under the impression that the toppers were included in the price of the mattresses. There was no indication that they were over {$370.00} and would be added to the overall cost. I asked at that time if we can just cancel the entire transaction and was told that WAS NOT POSSIBLE! So, this all took place last week.
On Sunday, XX/XX/XXXX, we go to XXXX to discuss why I was charged an ADDITIONAL {$7100.00} with a credit card limit of {$6.00}, XXXX which ultimately put me in the negative of - {$7600.00} without even paying the first bill??? We were there for almost ( 2 ) hours and I can't even recount all of the issues we discovered, including receipts with different amounts. I contacted SYNCHRONY BANK ( 3 ) times while at the store. We were hung up on by the rep when we asked for a supervisor, during the 2nd attempt. All while, neither XXXX or XXXX offered to assist with explaining the ordeal to Synchrony. We literally were " on our own '' while they sat at the computer and texted as we're trying to get answers from Synchrony.
We finally got a Synchrony supervisor the 3rd time around and he stated that Ashley Homestore authorized ALL of the charges on my account, including the additional {$7100.00}. XXXX and XXXX of course denied ... We go back and forth and finally the supervisor states that he can remove it with verbal authorization from XXXX. XXXX agrees and it's removed but stated that I'm still in the red for {$510.00}. I, of course, ask why and he said because I went over my card limit. XXXX steps in and states, " Although she was initially approved for {$6600.00}, you all have a promotion where you give an additional 10 % credit if used within the same day. So, technically, she's not over. '' I, obviously, had no knowledge of the promo or anything that XXXX did behind the scenes. The supervisor responds, " Yes, that is true but she still went over! '' XXXX jumps in and reiterated what XXXX says and asks, " How is she over if she was actually approved for {$7200.00}? '' This became a back-and-forth with the supervisor stating that I still owe the additional {$510.00} and must be paid. I, again, asked if they would cancel the entire sale and come get the mattresses and was denied.
Yesterday, Monday, XX/XX/XXXX, I called Synchrony Bank to inquire about the ordeal with a goal to have this resolved. A different supervisor informed me that XXXX and XXXX actually misinterpreted the promotion. She pulled up the verbiage and stated that the 10 % is to be applied to the overall SALES PRICE and does not apply towards the approved credit. Ultimately, she said there's nothing that she could do because the failed to take 10 % off of the product the day the order was placed. I looked at the app later on and apparently the {$180.00} credit for the XXXX XXXX XXXX posted to my account, which currently leaves me - {$330.00} instead of - {$510.00}. Although the manager XXXX offered this to us, she did not complete the request. It was XXXX that made us aware that it was not confirmed and he finalized the credit on Sunday. She was nothing but insulting. She also said that we would have ( 6 ) more toppers coming once we complete the warranty but I certainly doubt that.
So, I have Ashley Homestore saying it's Synchrony Bank 's fault for not expanding my credit limit and I have Synchrony Bank saying it's Ashley 's fault because they failed to take 10 % off the sales price. All the while, I have a negative amount due before my first bill is even paid and a outrageous 108 % utilization rate from Ashley Homestore on my credit report. THIS IS UNACCEPTABLE and I am OUTRAGED that I was offered a promo that include an additional 10 % credit ( that both XXXX and XXXX failed to mention to me initially ), approved for that promo but required to pay additional money that was initially included in the promo.I asked XXXX again to cancel the entire order but they refused again.
Please advise what steps I can take to fight this.
XXXX XXXX XXXX
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| 06/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
Servicemember |
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I contacted Synchrony Bank JCP last year in XXXX of XXXX. I was in the hospital for extended time. Because I am profoundly deaf, there's no option in the Hospital for me to call via TTY to touch bases with anyone during this time. A Social worker tried but Synchrony Bank Rep refused, and stated " Client must speak directly to us '' ( I was, I needed someone to be my ears ). He disconnected the line. We tried several times without any success. There are no Desktops or Laptops available for patients, they would have to bring their own smart phone or laptop- neither do I have any in my possession. In XXXX, XXXX, XXXX - multiple days and times, I tried calling Synchrony Bank via the FRS. 90 % the Rep just " disconnected the call '' or " placed on extended hold until there was complete silence until a Circuit Busy signal came on ''. Because I am a care-taker to my XXXX XXXX XXXX mother, and also a grandmother that has to watch her grandchildren while their parents worked. I just could no longer sit there for 2-3-4 HOURS ( not minutes, but HOURS ) waiting for a Rep to come to the phone. Then in XXXX of XXXX, I FINALLY, got a Representative on the PHONE! We went over the accounts, and I told her I can make payments on the JCP & Amazon ; and she learned I had been in the hospital without any ability to be able to contact ANYONE even with all attempts. I did not have online access during this time. I had my sister to login to my bank account to make payments. Since there's no USPS bills being sent anymore, there were no way for me to even KNOW how much was due, because all three Synchrony Bank accounts have their own passwords. She then stated they were going to send me the forms for me to sign ( they never came ), and in addition, I needed the JCP Statements for the past 12 months. None of the documents even arrived. While my Sam 's Club account was just fine, and due to my Daughter in Law, she was not going to help pay for her expenses used on my JCP and Amazon Store Card. Synchrony Bank already closed those two accounts, so I am making payments on it. Finally the opportunity to make payments on it after I spoke with Synchrony Bank via the PHONE directly, that they do not send papers, I could do it online. So in late XX/XX/XXXX, I finally made payment arrangements. Synchrony Bank was supposed to send me a statement showing me the exact amount and as agreed. There were no options to DOWNLOAD anything. So once again, for HOURS, waiting on the phone for a Rep when my time is precious, I have to run back and forth to take care of a XXXX XXXX XXXX mother, and run back and forth to take care of XXXX children. For some odd reason, it kept reverting to " online '' instead of paper. I FINALLY got a REP! That Rep was utterly rude to the FRS ( Federal Relay Service ) Operator. Kept speaking with a heavy accent, the Relay Operator had a terrible time understanding him. So I requested him to get his Supervisor, he placed us on hold, we waited and waited for over 4 hours, until we got a message that " The Bank is currently closed, please call us back during normal business hours. '' THIS CYCLE IS CONSTANT, REPETITIOUS, AND A VIOLATION OF THE ADA REGULATIONS! I've LOST county how many Representatives say 'WE ARE SORRY, WE CAN NOT ACCEPT THIS TYPE OF CALLS, WE MUST SPEAK TO THE PERSON DIRECTLY. ' ( THEY ARE SPEAKING TO ME. ) Then the Synchrony Bank Reps would even go so far 'TRANSLATOR, PLEASE ADVISE THE CUSTOMER WE HAVE LANGUAGE SPECIALISTS THAT CAN SPEAK DIRECTLY TO THE CUSTOMER. ' I SPEAK ENGLISH! THEN : For some odd reason, it kept reverting to " online '' instead of paper. As of Friday, XX/XX/XXXX, for some weird reason ( I think my cat had to trigger the answering machine ). I had received 3 Phone Calls from Synchrony Bank - one from JCP, Amazon, and Sam 's Club. Because the messages were left, I had to disconnect the phone and drive 5+ miles south of me for a hearing person to hear. EVERY.SINGLE.MESSAGE. was this : " Hello, this is Synchrony Bank ( JCP/Amazon/Sams ) . We need your Lawyer 's name and bankruptcy... ( message was very garbled, unable to hear the rest of it. '' Number One. There is NO Lawyer. Number Two. There is NO Bankruptcy. Number Three. I had already agreed with the payment plans for the JCP and Amazon Store Card. The Sam 's Club remains open. Because of this " UNUSUAL REQUEST '' from Synchrony Bank for " my lawyer and bankruptcy '' (??? ), they would no longer speak with me. My Sam 's Club is to remain open, the other 2 accounts, I am paying it off. They are VIRTUALLY IMPOSSIBLE AND ARE NOT ADA-FRIENDLY AT ALL! Once I learned what those messages were ( it was an Automated Robo/System call ). I tried to login and NOW ALL MY SYNCHRONY BANK ACCOUNTS ARE CLOSED AND I HAVE ZERO ACCESS! FOR SOME REASON, ALL MY PASSWORDS WERE CHANGED! Discrimination towards the XXXX & handicap? ALL TIME VIOLATION. I've lost count how many times the FRS Relay Operators had to battle against Synchrony Bank 's Reps. More often than not, these Reps just " hangs up '' or " places on extended hold ''. The FRS introduction is required by Federal Law, and I never get got passed to the origins of the phone call. Unable to login with my passwords, because they were all changed without my consent. I am no longer able to get my statements ( which never arrived, and I am now missing 32 month 's worth, from JCP and Amazon ). It took me a very long time to get a password, because they required this stupid phone number to send a code, and they still wouldn't allow me to change the password. As stated, I am still making payments as promised. THE BANK BREACHED everything! I have a reason to believe the Bank committed Fraud. For the Bank to go so far to state " We need your lawyer 's information and bankruptcy... .. '' ( whatever the ending message was ) THERE IS NO LAWYER. THERE IS NO BANKRUPTCY. YOU FAILED ON YOUR PART MAKING IT IMPOSSIBLE FOR A PROFOUNDLY XXXX PERSON TRYING TO TOUCH BASES WITH YOU SINCE LAST YEAR!
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| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Dear Sir or Madam, 1. SYNCB/CARECR Account Number : XXXX correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 60 days days late in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with SYNCB/CARECR and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, XXXX. CARE CREDIT Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX and XX/XX/XXXX also 90 days late on XX/XX/XXXX.
I immediately disputed this information with CARE CREDIT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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To : XXXX XXXX or Hopefully to someone willing to investigate the issue until it is resolved.
As I have stated since XXXX, the request for payments to PayPal from my XXXX checking account are NOT making out of your system. So the two small deposits on XX/XX/XXXX never left PayPal for me to verify. Also, that was the ONLY time I have been able to get to the point of deposits in the PayPal system. The other 50-60 time I attempt to set it up, I receive a We're sorry. We're not able to process your request right now. Please try again later.
I informed you in XXXX that I would be in Alaska for a majority of XXXX and XXXX and would not have access. I made every attempt to resolve this. The customer service was not willing to sufficiently assist me. I have told them on multiple occasions that my husband, XXXX XXXX, had full access and permission to act on my behalf. Customer continues to deny him the ability to assist without speaking to me. This had only prolonged the problem. He was the main point of contact in XXXX as he is retired and I have to work. I made numerous attempts when I had internet access to link my account, only to see the message above.
In late XXXX to early XXXX, representatives from XXXX and Synchrony made numerous attempt to resolve this to no avail. I was forced to make payments via check for PayPal Credit, while the PayPal Credit Card payments would go through if they were on autopay. The autopay function was removed by PayPal late last year! This resulted in more late payments and an absolute removal of a linked bank account that was functioning. When that occurred, I decided enough is enough. This disconnect needed to be properly corrected. I am still This resulted in some creditors reducing my credit which snowballed in a majority of the creditors doing the same. I have been way more than accommodating to Synchrony and PayPal, but I am feeling that this will not get resolved without litigation. In fact, if you can not resolve this by the time I depart for Alaska on Monday XX/XX/XXXX, I will be hiring an attorney upon my return ( XX/XX/XXXX ).
You stated in your response to my CFPB complaint I am sorry for the difficulties you experienced when attempting to re-enable your Bank Account. Upon receipt of your Complaint we conducted a review and confirmed that no errors occurred when originally disabling your Bank Account due to the potential unauthorized activity, and that we are currently unable to re-enable your Bank Account due to your bank reporting it as an invalid account number. This would be a false statement. The electronic request sent out is not making to my bank. The report of an invalid account number is not from my bank. You only looked at the information you could easily access and generated a response. You did not investigate the source of a problem that has lasted way too long. In XXXX I gave the representatives from XXXX and Synchrony permission to communicate concerning this issue. It was not resolved, but it was determined the fault did not lie with my XXXX bank account. At that time PayPal and Synchrony were stating that they were receiving a response of insufficient funds. I provided bank records for the dates that the supposed requests were made, showing I had more than sufficient funds. Now you are stating the bank account is invalid. As it was then and now, you are incorrect.
Below is the response from XXXX after they communicated with Synchrony : Date of response : XX/XX/XXXX We are responding to the concerns about the XXXX XXXX XXXXXXXX XXXX ( XXXX ) which you outlined in your correspondence to the Consumer Financial Protection Bureau, regarding PayPal debits from your checking account. Per our records, Petty Officer XXXX contacted us on XX/XX/XXXX, stating that the XXXX rejected PayPal Automated Clearing House debits from the checking account ending in XXXX. A Member Service Representative explained that there were no rejected debits in the recent account activity, and the matter was closed. On XX/XX/XXXX, you advised that the payments were returned between XX/XX/XXXX and XX/XX/XXXX, and your concerns were escalated for further review. XXXX XXXX, of our staff, conducted a thorough evaluation of the account history between XX/XX/XXXX and XX/XX/XXXX. She found no restrictions on the account that would cause returned payments, no non-sufficient funds fees indicative of returned payments, and no negative balance ; therefore, she concurred that there were no records of returned payments to Synchrony Bank. XXXX XXXX contacted Synchrony Bank to obtain supporting documentation from them for the alleged returned payments. XXXX XXXX, currently the XXXX does not have enough information to pursue a resolution, as we are awaiting additional information and documentation from Synchrony Bank. If you have additional questions, XXXX XXXX remains available to assist you. Thank you for this opportunity to respond to your concerns.
We are still waiting on Synchrony and PayPal to provide the information needed to correct the problem. I appreciate your attempt to call, but there is no information I can provide that you dont already have. The bank you are calling invalid had been functioning correctly from the mid XXXX until XXXX. It was partially functioning until last year. When I mail a check, the payment clears!
This email will be in the contents of my new CFPB complaint. I will continue to initiate complaint until it is resolved. They really need to keep the complaints open until resolved instead of closing them upon company response.
I am sincerely looking forward to having this issue resolved. It is going to take more of an effort on your side though. Until it is, I demand you place a hold on all late charges and notifications on both accounts.
Please respond to this email for any other correspondence until such time as the issue is resolved or I have an attorney representing me.
XXXX and XXXX XXXX Sent from Mail for XXXX
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| 03/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I am writing in regarding the unfair and deceptive practices Synchrony Bank used on me. This is regarding the accounts I had with them where I reported the card stolen. In my personal experience with Synchrony Bank 's practices makes me wonder what the truth is that I'm being told. It also makes me question what ever this bank sends me in writing if I should question if this is the truth I'm being told or if this would be a lie. I've learned the hard way letters, documents, bank statements don't mean anything for proof. It's just like junk mail it means nothing for a consumer 's protection.
The first store card nightmare experience that is still ongoing is with XXXX XXXX. Back in XX/XX/XXXX the XXXX XXXX credit card was pd in full and paid off. Since I was never given any statements for this account I would always have to call in to check on the account transactions, etc. I also was not able to set up a online account where I could see my account online. All I would get was error messages.
When I had to report my card being stolen by one of the store employees. I was assured I wouldn't be held reliable for all the charges that was put through on my account. Even on the document that is attached to your new card that is mailed out to consumers even stated " For your protection, your account has {$0.00} fraud liability. '' This in my own experience is 100 % false and misleading.
I received some letters from Synchrony Bank regarding the outcome of their investigation back in XXXX. I didn't think anything about the typos that was put on these letters then. Now to have these be used against me from another company 's collection agency trying to recollect on a card that I reported stolen to Synchrony Bank. I was completely blindsided on this latest deceptive move regarding Synchrony Bank.
I was under the impression that the advertised {$0.00} Fraud Liability and the written letters, emails, 1099C ( that I received this year while I'm being sued for this ) was my proof. I also have phone recordings where I am still able to call in and access this card account after putting in my account number ( this is both saying the account number into the phone and also punching the account numbers in the phone. If this account wasn't active I wouldn't be able to get into my account over the phone like I always did before this happened. In these recordings it gives choices ( after you put in your account number, where it states to bring up your account ) to make a dispute or check status of a existing dispute, to make a payment, to check on your 1099c tax form.
According to the collection agency that filed a lawsuit against me on this alleged account their client bought from Synchrony Bank, that all letters, documents, all correspondence I had with Synchrony bank including all the letters I wrote are now alleged as not received and never was sent out according to what they said Synchrony Bank claims.
This collection agency never contacted me, their " alleged '' client never contacted me regarding this matter. The only contact I received is from is the courts. This debt wasn't even attempted to be validated until after the lawsuit was already filed. No proof was provided to back their claims or anything.
Due to my rights being violated, along with the Fair Debt Collect Act, the Fair Credit Reporting Act, etc never being followed I am now forced into paying someone else 's purchases.
How is this a trustworthy bank?
The second store card nightmare is regarding the XXXX XXXX XXXXXXXX credit card. I filed a complaint to your office regarding this matter clear back in XXXX. The case number is XXXX. The reason I'm bringing this back to light is because of a letter I received from Synchrony Bank regarding the dispute of this stolen card. This new letter undermines what the written response was to the original complaint I filed with your office. It also goes onto state Synchrony Bank identified an error in the resolution of your prior dispute initiated on XX/XX/XXXX. This account was already closed as of the complaint I filed with you back in XXXX. The only account that had a dispute initiated around this time was XXXX XXXX not XXXX 's XXXX. As of this date of this complaint being filed no check has been issued since this account was closed.
The third store card nightmare that is ongoing is with the XXXX credit card. Since this card was also reported stolen by a store employee. Again I was assured I wouldn't be held reliable for these purchases. Synchrony Bank took legal action against me to try to collect on the purchases that was made when the card was reported stolen. Since I filed a counterclaim against them regarding this I never heard anything more after the lawsuit was dropped until this year. I received a 1099c tax document from Synchrony Bank that was enclosed in with the 1099c tax document for XXXX XXXX store card.
I'm leery on what to do with these tax documents since Synchrony Bank has a history of denying sending out certain letters or documents to their liking. According to the collect agency regarding the XXXX XXXX matter, they claim that Synchrony Bank told them that they never mailed me out " Any '' 1099c tax documents. If this is the case where did the tax id numbers come from?
Lately with the experience I've been dealing with on the deceiving and dishonest practices, is Synchrony Bank going to wait another over 5 years to claim they made more errors, but never follow through with anything?
More rights need to be given to consumers regarding these unfair and deceptive practices being used against consumers. Letters, documents, bank statements, emails, etc that is given to consumers should have more legal weight of proof for consumers. Not having a unfair and deceptive company claiming these documents are not theirs and the consumer has no way of fairly backing up these claims. Which in return makes the broken legal system even more unfairly one-sided.
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| 12/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I opened up a XXXX case ( attached ). I initially opened up this account on XXXX. XXXX stated company is required to respond within 10 days. I didn't receive any response back until day 22! I then received a letter about 10 to 11 days after ( please see attached XXXX information ). It took a total of over 30 days to receive a response back about this information showing on my credit file.
Synchrony bank is in violation of the following : FCRA Section 623 ( a ) ( 1 ) ( C ) - ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors.
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate I contacted synchrony bank multiple times about the inaccuracy of information ( i.e status, erroneous amount ) being reported against me, each time they did not remove the inaccurate information.
Futhermore Sychrony bank did not follow FCRA procedures : conduct a reasonable investigation - no reasonable investigation ever occurred.
review all relevant information provided by the consumer report results to the consumer, generally within 30 days - Please see attachment, I was not contacted within the 30 days allotted notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ) I have contacted Synchrony bank on several occasions about the amount of the alleged debt and about the issues with the payment. I even offered to pay this amount when they contacted me about my XXXX case, but they refused and denied any wrong doing.
Synchrony bank is also in violation of FCRA 623 ( a ) ( 3 ) which states : Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. - At no time during this dispute did Synchrony bank contact any of the 3 CRA 's about my dispute. I have monthly subscriptions to each one and can verify no such action took place.
XXXX case information ( also attached ) Case Description : Inaccurate invalid credit reporting To the Respondents, Section 1036 of the frank Dodd act of 2011 prohibits covered persons and service providers from engaging in unfair deceptive or abusive acts or practices. This act also prohibits abusive practices. This is a an abusive business practice and deceptive. The state attorney general can also sue your company for unfair and deceptive practices.
Deceptive practices are defined as a representation omission or a practice that is likely to mislead a consumer acting reasonably under the circumstances.
Legal and unfair practice is any or all practices that causes or is likely to cause injury to consumers where the injury can not be avoided by the consumer. This is unauthorized billing that caused substantial injury.
To measure unfairness, An legal assessment of an Unfairness test requires weighing cost and benefits of business practice. This particular practice resulted in substantial injury to my person. The cost outweighs the benefit and that is what legally makes this practice unfair. I do not have any legally binding contract with. Therefore your inaccurate and invalid entry on my credit is considered " material '' to my decision making in terms of all credit related purchases 15 U.S.C. 1681 Sec ( a ) ( 1 ) ( 4 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Under these findings I exercise my right to validate your claim.
The Fair Credit Billing Act requires that you bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request in a timely manner.
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency ( which starts at the " 30th '' day of delinquency. I have reason to believe that your information is incorrect.
Back in 2016 I bought some glasses from XXXX. My employer benefits at the time covered the entire cost of my families eyewear and we had some benefit left over. The rep for whatever reason signed us up for a XXXX card, for whatever reason. When the payment was due there was an issue processing my payment. I then went to the store and the balance was covered. I just checked my credit report and See these negative marks on my account. I have disputed this account several times, but it still remains on my credit report and the information that is being reported is inaccurate any correct. I have reached out to sychyrony bank several times. They stated the account has been transferred and they could not help me. I have email them and reached out to the collection agency to whom this was transferred. They promptly removed this entry from my credit file, but synchrony bank still shows.
Once again, please remove this entry from my credit file or i will escalate to the CFPB and seek damages that I am rightfully due.
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| 11/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/2021, XX/XX/2021 and 60 days late in XX/XX/2021 as well as 90 days late in XX/XX/2021.
I immediately disputed this information with SYNCB/AMAZON and XXXX results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you XXXX have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the XXXX. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent XXXX not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount XXXX not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor XXXX not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX XXXX Iowa XXXX
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| 01/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I would like to file a compliant against Synchrony Bank regarding a credit card fraud claim, which has lasted for more than a year. I have been a loyal XXXX XXXX XXXX customer with a XXXX XXXX XXXX credit card and always paid off the statement balance with auto-pay on time for years. In XX/XX/XXXX, we moved to a new house which is much farther away from XXXX XXXX XXXX stores compared to the previous house, so I never shopped at XXXX XXXX XXXX stores and never used the XXXX XXXX XXXX credit card ever again since XX/XX/XXXX. Until two years later, on XX/XX/XXXX, I noticed a very suspicious payment of {$1100.00} going out of the checking account to pay XXXX XXXX XXXX credit card. I immediately called XXXX XXXX XXXX credit card ( Synchrony Bank ) and filed a fraud claim. Here is the story by timeline.
XX/XX/XXXX Several fraudulent transactions spanning a couple of days at multiple stores including XXXX XXXX were conducted in a city in South Carolina, which is hours away from XXXX, NC ( which is where I live ) and I have NEVER been to that city before.
XX/XX/XXXX The bank auto-pay I set up long time ago paid off the {$1100.00} statement balance on those fraudulent transactions. Upon discovering this suspicious activity, I immediately opened a fraud claim indicating that I havent used this card for two years but the card ( with expiration date XX/XX/XXXX ) was always sitting in my old unused purse at home. I didnt make those transactions and had no idea who made those transactions. ( I was simply being 100 % honest and telling what I knew. ) XX/XX/XXXX I received a letter from Synchrony Bank stating that the fraud claim was denied because customer or someone authorized by customer is the beneficiary on those transactions. Upon receiving this letter, I immediately appealed the decision to fight back and called customer service. Customer service mentioned that it was a physical CHIP card ( which has extra security ) that was used in those transactions and merchandise refused to give credit back. Because you stated on the letter that you had the card with you, investigation team declined the case and concluded you or someone you know were the beneficiary. I explained to customer service that there were some misunderstandings. The card I had was the original card issued by Babies R Us when I first opened the account and it was NOT A CHIP CARD. I have never received any CHIP card in the past prior to the fraud date ( I only received one CHIP card after I filed the fraud claim because they cancelled the old card and sent me a new one ), so I reopened the fraud claim. I offered to mail them my original NON-CHIP card as a proof, and they said it was not necessary. I also suggested the investigation team to check the security footage at XXXX XXXX where the fraudulent transaction occurred and the investigator should find out that the person who used the physical CHIP card to make purchases was not me. Customer service indicated this additional information was helpful and they reopened the claim for me by adding this additional piece of information for investigation team to review.
XX/XX/XXXX I called customer service to follow up and they said the claim got denied again due to exactly the same reason. They never checked the security footage at XXXX XXXX, instead they insisted that I was the one who made those transactions in person. I felt helpless and got bullied by the bank. I told customer service, If I were the beneficiary myself, why I still told you I had the card with me? Just think about it, if I were the beneficiary myself, I would tell you my card got stolen and I wouldnt suggest you to check the security footage. How stupid would I be if I made purchases myself and then opened a fraud claim and tell you I have the card with me? I got really upset with Synchrony Bank.
XXXX XXXX I turned around to XXXX XXXX XXXX for help where money went out from DDA and hoped XXXX XXXX XXXX can resolve this case with Synchrony Bank on my behalf.
XX/XX/XXXX Unfortunately, XXXX XXXX XXXX stated that I had to resolve this issue with Synchrony Bank myself and there is nothing BoA can do to help.
XX/XX/XXXX After months of frustration, I decided not to give up and fought for my innocence. I called Synchrony Bank customer service again and reopened the fraud case once again. I emphasized REPEATEDLY that the card I had in my old purse was the original NON-CHIP card which was issued in XX/XX/XXXX when I opened the account for the first time and I had never received that CHIP card which was used in making those fraudulent transactions. Customer service indicated this is new information that was not stated in the previous claim reports and they will add this additional piece of information for investigation team to review.
XX/XX/XXXX I called again and asked for a status update. Customer service indicated the case is still under investigation and suggested me to call back later.
XX/XX/XXXX I called back again. Customer service read me the notes from investigation team, saying the CHIP card was shipped to my old home address in XX/XX/XXXX. I indicated that I moved to the new house in XX/XX/XXXX, but I never received the CHIP card at my old address. Customer service indicated she would add this additional piece of information for investigation team to review and asked me to call back in 2 months to check the status update.
XX/XX/XXXX I called back and the conclusion is that investigation team rejected the claim.
I was very unhappy and upset about how Synchrony Bank was not even trying to help the victim customer in this fraud investigation. It is absolutely unfair for big banks to blame the fraudulent transactions on innocent customers, and bully innocent consumers for simply being honest. I felt deeply hurt and heartbroken. I do not want to be the scapegoat for some bad guy out there doing bad things. I want to make my voices heard and I want my justice.
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| 08/04/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In early/mid XXXX, I received a notice from PayPal c/o Synchrony Bank that was dated XX/XX/2020 informing me that a credit account I have with them has an invalid email address on file and that I needed to go to PayPal.com and update it. I don't have, nor have I ever opened a credit account with PayPal. I only have a basic PayPal account ( not a credit card account ), so I went to PayPal.com to check it out. The email on file was current, and there was absolutely nothing on the PayPal website about credit cards or PayPal credit card accounts specifically and the letterhead that the notice was sent on seemed somewhat suspect, so I began assuming it was a scam and ignored it. Later that month, I received a paper statement from this same company showing a bunch of charges I allegedly racked up with a monumental amount of interest attached. The statement showed I owed {$4400.00} and that if I didn't pay at least {$3600.00}, the interest would be deferred to my next statement. From what I could gather, it's a credit account through paypal, but it's managed by Synchrony bank? Again, I did not, nor would I ever open a credit account with PayPal, so I began to think that either this account was started for me by Paypal without my knowledge, or that someone managed to steal enough of my info to open one in my name ( identity theft ). On XX/XX/2020 I called the customer service number listed on the statement and spoke with a rep named XXXX. He asked for my social security number to verify my identity, which seemed very odd to me, but he assured me he was from Synchrony Bank, and I gave it to him ( huge red flag though ) I reported the account as fraudulent, explained that I never opened a credit account through PayPal. He offered to close the account and assured me several times that I was not and would not be liable for any of the charges incurred. He told me I'd be receiving a letter and an investigation form from them with some questions to fill out so that someone in their organization could investigate the fraud. We ended the call. Right after, I obtained my credit reports from all 3 major credit reporting agencies, I reported the identity theft and fraud to both XXXX and XXXX, enacted a FRAUD ALERT for my credit. I also contacted the FTC and filed an identity theft report. I downloaded the letter that FTC recommended I send to the creditors with attached FTC forms and copies of both my credit report as well as credit statement from PayPal/Synchrony and mailed it to them. Soon after, I received both the letter and the investigation form. The letter stated that I could not be held liable for fraudulent charges because of their 0 % fraud liability policy. Likewise, I filled out the investigation form they sent to me and mailed it back to the address provided immediately. I later received a notice dated XX/XX/2020 from Synchrony Bank telling me my claim was denied because I " failed to cooperate with reasonable investigation '', which is UNTRUE. I did absolutely everything they asked me to. I filled out the investigation form thoroughly and mailed it back to them as soon as I received it. I've continued to receive paper statements from them and have just received another letter telling me to pay the fraudulent debt, even though I cooperated fully and was told by their representatives that the account was closed and that I was not liable for any of these charges AND received a written letter from them stating same. I received another late payment notice from PayPal credit that was dated XX/XX/2020, but that I received in my mailbox on XX/XX/2020 again telling me to make a payment. I called the question line number listed at the bottom of the form ( XXXX ) in another attempt to resolve the issue and spoke with two people ( one was named XXXX ) before being transferred to a third rep named XXXX in the fraud department. I was again asked at least twice to provide my social security number. I declined but had to give them at least the last 4 digits of my social security number to even get them to work with me. I reported that I was still receiving statements and collection notices on an account that was fraudulent. XXXX informed me that the investigation claim was denied bc I benefited from the credit account and bc they had my address on file ... no kidding the account on file had my address ... my identity was stolen! That's the whole point! And Idk was meant by " I benefited from the account '' bc I most certainly am not benefiting by having an account created in my name against my knowledge and being collected upon for charges I didn't make! I fully believe nobody bothered investigating any of this. I think they just received my investigation form and ignored it. There are vendor names on the statements they sent me attached to the fraudulent charges ... WHY can't they contact these vendors to ask who they are and where they're located? And why can't they check the IP addresses of who made the charges??? PayPal/Synchrony have done nothing and are still attempting to collect from me on an account that was opened through theft of my identity and without my permission or knowledge! After investigating further, I'm finding tons of information online from people who have had similar experiences with PayPal 's credit accounts and noticed a prior infraction through FTC from their services. I think they're doing it again to people and are passing the debt collection off to Synchrony bank to absolve themselves of legal issues. Lastly, I want to say that I found information from PayPal and Synchrony Bank online stating that they can not collect on fraudulent charges as long as the charges are reported within 60 days of the charges having been made. I reported the charges and the fraudulent account to them well within this 60 day period. This is where their 0 % liability claim should be kicking in, but they're going against their own legalities here.
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| 11/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I had a XXXX consultation with the XXXX XXXX XXXX XXXX to learn the cost to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Office Manager ordered x-rays and during the consultation, the Dentist, XXXX XXXX, joined us they began to try to sell me for a special one-day XXXX XXXX that extracts and replaces teeth on the same day, I advised I was not a candidate because I was diagnosed with XXXX XXXX XXXX and I had only made the appointment to learn the cost of regular dental procedure, because I am XXXX and living on a fixed income. The Dentist left the room when she realized I was not interested in the same day procedure, and the Office Manager advised that since I was concerned about cost, she could contact CareCredit Card to increase my line of credit and I wouldnt pay interest for five-years. It sounded like a great idea, and the Office gave me a form to sign giving her permission to increase my credit line and before I signed made it clear if I was approved, I had XXXX caveat : that I must be informed of the amount of the increase in credit, before the amount is transfer to my credit card, and the Office Manager agreed.
XXXX. At that moment, the Office Manager received a call, and said she had to leave immediately due to a family emergency, and she quickly scheduled a return visit to measure my mouth for the bridge. Before she rushed out the door, I asked her for a copy of the document I signed to increase my line of credit and she said Reception would print the document for me However, when I stopped at the reception desk, I was advised that the document was not in the system, and I was only provided with credit card receipt for {$180.00} that was not itemized and I didnt know what the charge was for. I also received a copy of projected cost for the proposed dental procedure, and the print was too small ready. I left feeling as if I was given the run-around.
XXXX XXXX XXXX XXXX XXXX AND CARECREDIT CARDS PROVEN DECEPTIVE PRACTICES On my way home, I was having second thoughts about my visit because everything seemed rushed and I didnt understand the treatment plan, what disturbed me most was that I did not receive a copy of the document I signed to increase my CareCredit line of credit. Even worse, when I checked my credit card balance on XX/XX/XXXX, I discovered that the XXXX XXXX XXXX XXXX charged my credit card in the amount of {$2800.00} on the same day as my XX/XX/XXXX visit, without my knowledge. Most troubling was realizing that I had been scammed. As an investigative researcher by education and profession, I conducted research on XXXX XXXX XXXX XXXX XXXX and found many of their former patients had filed complaints on the XXXX XXXX XXXX website reporting how they had been about being charged for services never received by the XXXX XXXX XXXX XXXX ; I also learned that they dentist office is not accredited by the XXXX. Most revealing was a news article reporting that a court case, # XXXX, that seem to be still active, was filed against the dental office with a caption stating, Patient Alleges XXXX XXXX XXXX XXXX Billed For Services It Never Performed.
On XX/XX/XXXX, I filed a billing dispute against the XXXX XXXX XXXX XXXX and when I called CareCredit XXXX months later on XX/XX/XXXX for a status of my dispute, I was informed that my case was clothes because the XXXX XXXX XXXXXXXX XXXX had advised that they had completed all dental services. Under protest I responded that I had photo copy evidence and I was provided with a telephone number to send a copy of the photo XXXX XXXX. When I called a week later, I was advised the photo I sent was not in my record and I filed a new complaint on the same day ( XX/XX/XXXX ).
On XX/XX/XXXX, I received a letter from CareCredit Customer that included a letter from the XXXX XXXX XXXX XXXX without a date, that contained numerous deceptive misrepresentations of material facts as follows : XXXX XXXX came in on XXXX XX/XX/XXXX to have her front teeth extracted and replaced on the same day. XXXX XXXX made an appointment for XXXX XX/XX/XXXX with the surgeon for extraction of her teeth ( mostly in front ; She then called XXXX XXXX XX/XX/XXXX to cancel. We sent her a text on XXXX explain the flippers were already at the office in preparation for her XXXX the next day ( XXXX/XXXX/XXXX ). The Photo will show proof of fabrication and we also informed the patient that immediate appliances are customized to her mouth. ) My Response I visited the XXXX XXXX XXXX XXXX on XX/XX/XXXX for a consultation and I did not agree to oral dentistry that extracts and replaces teeth on the same day, because I have XXXX XXXX XXXX and on XX/XX/XXXX, was advised they could not provide dental services to me because patients with XXXX XXXX XXXX experience significant blood loss that causes a loss of consciousness and a XXXX or XXXX XXXX. I was given a Medical Clearance for XXXX XXXX XXXX with advice to see my primary physician for XXXX XXXX XXXX treatment and when my XXXX XXXX normalized to have my Primary Physician to ign the form and return to XXXX XXXX, to complete dental services.
I was still taking XXXX XXXX meds when I visit the XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and it was highly unlikely I would have agreed to such procedure to extract and place teeth on the same day, because I was still taking XXXX XXXX XXXX medication.
In review, the XXXX XXXX XXXX XXXX fraudulently inducement me to sign a document to increase my credit line with the understanding that I would be notified before of the amount of the line of credit and no changes would be made to my credit card without my approval, and their fraudulent actions caused me a considerable amount of emotional distress, because I was diagnosed with XXXX XXXX condition in XX/XX/XXXX.
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| 08/19/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American, Servicemember |
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Ive been dealing with this situation since last fall. Let me explain. ... 1. On XXXX XXXX XXXX, I went to my local Mattress Firm and purchased a mattress and adjustable platform. The Order number was XXXX. ... 2. At that time, I told the saleswoman that I had a bad back and that I needed a mattress that was soft and comfortable. I ended up opening a Mattress Firm Synchrony credit card account to pay for the purchase. The saleswoman told me they had a guarantee on everything and to come back in if I didnt like either one of the items .... 3. Right away, I noticed that the mattress was very hard. I decided to wait a couple of weeks to see if the mattress softened or if my back adjusted. Neither of those occurred, so I ended up going back to the store to talk to them about it. ... 4. The first saleswoman wasnt there, so I had to work with another saleswoman. She encouraged me to pick out a different mattress and said that we could do an exchange. I couldnt find anything I really liked, but I needed a mattress as I was about to have XXXX, so I ended up picking something out. I was concerned because it had some kind of cooling feature. I told her that I get cold very easily, so I was worried about picking that one. She said that that was just an advertising feature, but that it really wasnt cold .... 5. As we were checking out, she mentioned that there would be some kind of return to stock fee. I told her that I had never been told about that. She said there should have been something stapled to my receipt. I had my receipt with me, it was obvious nothing had ever been stapled to it. ...
6. She ended up calling her manager/XXXX person and explained the situation. They agreed that I wouldnt have to pay for that. So, I signed for the mattress and we left. It was to be delivered within a couple of days. ... 7. Soon after I started worrying about it, so decided to do some online research. All the reviews said that the mattress was indeed cold. I talked to my husband about it and we decided the best thing to do would be to not take delivery of the mattress after all. My husband called the store, they said that mattress was already on the truck, but that we could just refuse delivery when they arrived. ... 8. They tried to deliver it anyway, but my husband told them I didnt want it. They did end up picking up the previously purchased mattress and took it with them. We thought that was the end of it. ... 9. I slept on the couch for a few days, until we found a good mattress for me. That mattress was perfect with good support and wasnt cold. ... 10. And then we got our first statement. Thats when we could see that they charged us for a mattress anyway. I immediately called the store and was told that I just needed to be patient, that it took a couple of months for the system to update. ... 11. I called every time a new statement came for months and received the same response each time. ... 12. In XXXX or XXXX of this year, I finally called Synchrony in hopes that they could get their attention and get it straightened out. Weve been going back and forth ever since. ... 13. I believe it was late XXXX or perhaps early XXXX that I connected with someone from Mattress Firm who told me that theyd check into it. They ended up calling me back and told me that my bill would be appropriately adjusted to account for only what I purchased. I then paid off my portion of the bill for the adjustable platform earlier this year. ... 14. I started getting calls from Synchrony in XXXX or XXXX telling me that I needed to pay my outstanding balance. I told them the whole story at that time. They told me that a credit had been made on my account in XXXX for the second mattress, but then another amount had been added at the end of the month. I told them that I had not purchased anything else. They asked if I wanted to dispute the charge ( s ). I said that I did. 15. Soon after that, I received a call from Mattress Firm telling me that if Id cancel the dispute theyd correct my balance. They said that was the easiest way to handle everything. Because Im a trusting person, I believed them and agreed to do that. I called Synchrony to cancel the dispute. 16. A couple of weeks passed, then it seemed like every few days Id get another call from Synchrony. Id have to explain everything to the caller again. Finally, one of them told me that Mattress Firm had never given me credit for the erroneous XXXX charge. I couldnt believe it! ... 17. So, I had to dispute it again. Part of that dispute was asking them to show me what they were saying I purchased. Neither Synchrony or Mattress Firm could ever do that. A month or so had passed, I believe it was XXXX by now. Thats when I was told that Mattress Firm had denied my dispute. I asked them to show/tell me what I had supposedly purchased, but of course they had no idea. I totally lost faith in your company at that point. ... 18. Since that date Ive been going back and forth with Synchrony. They want the XXXX XXXXXXXX XXXX XXXX XXXX ( plus interest ) and I refuse to pay for something I never purchased. ... 19. Im now wondering if perhaps this charge stems from the second mattress the one I refused. The one I, of course, should never have been charged with. ... 20. We have since moved to XXXX so I can't go in the store and talk to one of your employees. So I suggested to Mattress Firm that if they'd like to send someone to our home, I can show them that my mattress is not from their company. ... 21. I have written Mattress Firm a few times. I have called them multiple times, but they have yet to resolve this issue. I keep being told that someone will get back with me, but that never happens. ...
22. Its been long enough now, that this erroneous charge has affected my credit. Thats just wrong!! I'd appreciate someone on your end to follow through and make Mattress Firm correct this issue as soon as possble.
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| 10/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. SYNCB/VALUEC Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with SYNCB/VALUEC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the late with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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1. SYNCB/PCRICH Account XXXX : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX I immediately disputed this information with SYNCHRONY BANK and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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1. SYNCB/XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with SYNCB/XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear CFPB Complaint Div. : I have grave concerns about the potentially illegal conduct of XXXX XXXX XXXX. Transactions occurred in early XXXX, then my address was XXXX XXXX XXXX, XXXX NJ XXXX. This institution was formerly a different name in previous years with entirely different rules and conduct and is not consistent with previous policies and conduct. In early XXXX of 2021 XXXX XXXX bounced 6 or 7 consecutive check transactions while I had {$9000.00} + in my checking account ready to payout those checks. My current address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NJ XXXX.
I have a small credit card with the same XXXX XXXX which I had thought was on auto pay. It was not apparently. Approximately two weeks after the {$29.00} payment was due on that card, XXXX XXXX without notice, with out a phone call, without a letter, froze my checking account. The claim was that these are linked accounts and that they automatically freeze your checking account when this occurs. There was no phone call, there was no letter, there was no email even after the final 6 or 7th consecutive check was bounced by XXXX XXXX. No call, no notice. This is fraud. This is criminal ; I formally request this Div. make a criminal referral to the XXXX County Prosecutors Office.
I am not saying that this was 60 days late and they were about to report it to the credit reporting agencies, I am saying this was a {$29.00} two-week late payment and they froze my checking account and bounced 7 transactions with {$9000.00} in the account without telling me. There is a clear duty to let a customer know that they are refusing checks. Furthermore, if a single check had been over {$5000.00} it is a crime that I could be prosecuted for. This conduct by XXXX XXXX can not go unpunished and this Department should use the XXXX NJ Consumer laws to fine and prevent this institution from harming more clients.
Not only did this cause irreparable harm with fees and the destruction of my credit but the harm became far worse over time. When I realized there was an issue I tried to make a payment on my XXXX XXXX credit card, boy was I in for a surprise. Since its linked to the checking account, guess what, it would not allow me to pay the credit card, thats because the account I was trying to pay it from was frozen even for internal transactions. I am not certain if more checks bounced when I was finally aware to call the XXXXXXXX XXXX after I tried to pay the credit card online, but does it matter? This was harmful behavior from my financial institution. Some credit card companies took be 3 months to register this checking account back as a form of payment and it was continually rejected on the online systems again and again. With a lot of pushing, I got them resolved. Then I received a letter from Sychrony Bank. They eliminated two credit cards, a Pay Pal credit card with a $ XXXX credit limit and an Amazon credit card with at least a $ XXXX credit card limit. I attempted to use the same letter from XXXX XXXX on XX/XX/2021 from XXXX XXXX XXXX with Sychrony Bank. Mind you this was my only checking account.
My credit went into a precipitous slide. Pulling {$30000.00} from the available credit limits drastically increased my credit utilization and is a high factor in generating a poorer credit score. This was from a staring credit of around XXXX this year to XXXX and XXXX is now up XXXX points. This has a vicious affect on your finical life. I am getting divorced. I quickly realized that this adversely harmed by chances for a home loan ; even more damages to me. I now rent an apartment rather than pay an exorbitant interest rate on a loan. Rather than gaining equity I am losing money monthly. Sychrony Bank indicated if XXXX XXXX would write a different letter that they bounced payments due to their error or was their fault, which it was, Sychrony would reverse these steps of closing both accounts. A XXXX complaint was filed on XXXX XXXX against XXXX XXXX requesting this action of a new letter, no response was given. The complaint ID was # XXXX. I am not apposed to filing legal action. What the XXXX XXXX has done is abhorrent. I want to give a clear example where communication works in a similar situation. In a margin account at a broker dealer an account can have a margin call requesting additional funds due to a drop in value. The financial institution then notifies the customer they need to deposit X amount of dollars, or a position will be liquidated. Clear communication clear consequences. The money is paid, and everything is resolved. It would be undue harm to just liquidate something if the client has the funds. Common sense. Isnt it common sense if you are going to bounce 7 checks of your customers money and he has {$9000.00} just sitting there but owes {$29.00} on his credit card with your institution to instead just call and say, I am sure this is just an oversite, but you own {$29.00} on your credit card would you like to pay it while I am on the phone? Even leave a message or text, anything. That is not just common sense but the right thing to do but what was done against me was criminal. I am challenging their policy as criminal as no notice whatsoever was given. A subpoena would prove no outbound phone call from XXXXXXXX XXXX was made before I called about this issue. My phone registers calls received and missed calls. I called them when I finally noticed all these consecutive bounced checks and would not have a reason to suspect anything previously with $ XXXX in checking. When I was on the phone with XXXX XXXX and asked them when it was already too late and 7 checks had bounced, if they could take payment on the phone, they said no. They had to request to unfreeze the account first. Oh my XXXX this is insane! I ask for your help please.
Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
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| 02/18/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/XXXX, an account was opened by two people. One was the primary user, the other the co-signer. Their agreement was to purchase appliances for the residence they both lived in, with the intention that the primary user would pay the bills in order to establish a good credit rating. The credit limit was {$3000.00}. The co-signer 's card was never activated.
On XX/XX/XXXX a purchase in the amount of {$1600.00} was put on the card.
On XX/XX/XXXX a purchase in the amount of {$1200.00} was put on the card.
The agreement worked for some time, with initial purchases being paid in a timely fashion by the primary user. However, in XXXX, the primary user moved out of the residence. The primary user raised the credit limit on the account to {$6300.00} without the knowledge or consent the co-signer and made purchases to furnish their new residence.
In early-mid XXXX, the co-signer received a phone call from the credit card company requesting payment because one payment was missed by the primary user. The co-signer spoke to the primary user who stated this was a misunderstanding with the credit card company and it would be worked out. This was in fact the case - the payment had not been recorded by the credit card company and was in fact made on time.
At that time, the co-signer contacted the credit card company to see about closing the account, check the credit limit and spending, and discuss removing the co-signer 's name from the account. The credit card company was not forthcoming in giving any information on the account. The co-signer was told they ( the credit card company ) could not give any information out unless a payment was going to be made. The account at time time was in good standing, as the primary user had not missed any payments.
At that time, in XX/XX/XXXX, the co-signer hired an attorney who attempted correspondence with the credit card company. The credit card company did not respond.
Payments continued to be made on time by the primary user. The sole source of knowledge regarding this is the co-signer 's credit report. There is no longer any communication between the co-signer and the primary user. And because the credit card company will not release any information to the co-signer, no statements are received and no information will be communicated to the co-signer.
However, in late XXXX / early XX/XX/XXXX, the co-signer 's credit score dropped dramatically in a matter of a few days. When it was obvious that payments were missed by the primary user, the co-signer contacted the credit card company. Attempts were made by the co-signer to reach the primary user by phone, email, text and mutual friends. No attempts were successful. The primary user had missed two payments - XX/XX/XXXX and XX/XX/XXXX. The co-signer had not been notified by the credit card company, The co-signer contacted the credit card company on or about XX/XX/XXXX. At that time, the co-signer was able to finally close the account and find out the balance and payment information. The co-signer also asked for the Terms & Conditions on the account and was declined that information. The co-signer asked for the principle balance on the account and was told that it was too much work and would take too much time to find. It was at this time that the co-signer was told the account was in " in-house collections ''.
In the interest of integrity and the promise made by becoming a co-signer, the co-signer asked for a letter verifying that the account was in fact permanently closed and that no one could use the account, and no one could re-open the account, The co-signer clearly and repeatedly stated that no payment would be made until that letter was received and then the co-signer would call back to discuss the account.
The representative assured the co-signer that a letter to that effect would be sent and received in 7-10 days. The letter was received, but it was not a letter stating the account was closed. It was a demand for payment.
In the meantime, due to the emotional stress of the situation, and the desire to have the matter resolved, the co-signer and wife called the credit card company to work out a settlement agreement on XX/XX/XXXX.
After hours of communicating, the settlement figure was non-negotiable and not a figure that the co-signer and wife were prepared to agree to. They declined the settlement figure at that time.
On XX/XX/XXXX, the co-signer and wife called the credit card company once again in an effort to settle the account. The settlement figure was the same, however the co-signer and wife were prepared at that time to accept the terms. The co-signer requested that the settlement agreement be put in writing and upon receipt of that agreement, the terms would be met. The terms were discussed in great detail. However, the co-signer and wife were informed that the credit card company would not provide the terms in writing until 30 days after all of the conditions ( i.e. payments ) were met ( made ).
Given the history of deception and lack of willingness to cooperate on the part of the credit card company, the co-signer and wife were forced to decline the settlement once again. The uncertainty that the credit card company would honor the settlement terms was too great a concern.
The co-signer and wife recognize that there was promise made by becoming a co-signer on an account. The intentions of the co-signer were just, and the primary user took advantage. Until a debt verification letter is received, it remains a strong certainty that the co-signer is not a beneficiary of any of the purchases made by the primary user since XXXX, and even had no knowledge of them. Therefore, it is solely as a result of his character that he is making an attempt to settle this account. This situation has caused a great hardship financially and emotionally.
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| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Synchrony Bank continues to close my paid in full accounts. They have either lowered my credit limit to the amount I owe or closed the account after I pay it off. Upon talking to XXXX on XX/XX/XXXX, she informed me that my accounts always go up for review, there is no time period that this happens. She said that Synchrony Bank reviews the credit report of the account holder and bases their decision solely on that information. This is discrimination on the part of Synchrony. They are basing their credit decisions on false information from the credit reports and then closing accounts based on that false information. This action of closing my account or lowering my credit limit hurts my credit score, my credit history and my credit usage. These actions by Synchrony have caused me to be turned down for credit, for rentals of homes, jobs and more.
My payment history with Synchrony is EXCELLENT! My credit reports and credit information ( attachments ) will show numerous discrepancies on my credit reports. These attachments will show that the credit reporting agencies are not providing the correct information ( even Synchrony ). Attached you will find that I have included a print out of a screen shot showing all the disputes I have filed over this past year. There is no reason that Synchrony should have ruined my credit, NONE!!!!! You will see on all attachments I have noted the balances that are incorrect, by circling them. I have outlined the disputes that have been filed and other important information that Synchrony is basing their decisions to close my accounts on. It seems completely out of the legal realm that every time I dispute my credit, Synchrony makes changes to my accounts. I believe they are taking all steps to ruin my credit. I believe Synchrony is discriminating against me due to my filing disputes.
I have XXXX outstanding disputes with the credit reporting agencies due to incorrect information on my credit reports. XXXX! I advised XXXX of this information and she agreed that it seems that Synchrony is making decisions based on false information. She contacted the corporate office, via notes in the system and asked that they contact me. I explained to her, she can see that my balances with the two accounts that Synchrony just closed are paid off ; however on my credit report it shows they have an outstanding balance. Credit reports do not update in a timely manner! Synchrony does not update in a timely manner.
Because Synchrony chooses to make decisions on false information, they consistently hurt my credit by lowering credit limits and closing accounts. Also, Synchrony picks and chooses which accounts to close and or lower the credit limit. I have a XXXX Credit card with a paid off ( {$2000.00} limit ) balance and now they have lowered the limit to {$250.00} ; but they have allowed it to remain open to use. My Lowes card and my TJ Maxx Mastercard limits were only {$1400.00} combined. Synchrony has also left my TJ Maxx Storecard open. There is no reason to Synchronys decision to close one account and not another. It seems they are choosing what credit they want me to have, although I have not neglected any account with them.
Synchrony is knowingly damaging my credit by making it look like I spend my credit up to its limit, when in fact it is well below my limit before they change it. Synchrony states in its letter to me that a lack of XXXX XXXX XXXX XXXX Information is one of four reasons that they choose to take action. When Synchrony approved me for these credit cards, I did not have any XXXX XXXX XXXX XXXX. If this was a precursor to having the credit card and/or keeping it, it is not listed in their terms and conditions that they sent me when mailing my new credit card. The other reasons that they give are solely based on false information from the credit reporting agencies. If Synchrony is going to continue to be blind to the truth clearly showing that my accounts with them were paid off, I would like to know how to hold Synchrony and all other Credit Agencies accountable for the damages, stress and time I have spent to correct these errors. Are their actions are legal? Also, Synchrony consistently closes my account just after I pay the entire balance in full. Just last month I paid my full balance on both my TJ Maxx Mastercard and my Lowes Card and they closed the accounts within 30 days. I received their letter on XX/XX/XXXX and they closed my accounts on XX/XX/XXXX. It should be noted that both Synchrony accounts were paid in full on XX/XX/2023.
The letter Synchrony offers as to the reason my accounts are closed is based solely on the high balances to credit limits which again is incorrect information and Synchrony knows this. Synchrony contributes to my credit looking as though it is up to the limit by lowering my credit limit to what I owe. How can they say this is a reason when they are creating the problem! This is an ongoing issue with Synchrony and Synchrony is the ONLY bank that makes these decisions and hurts my overall credit by initiating same. It seems that they are insistent on ruining my credit!
The fact that Synchrony has continued to make these decisions over and over again, hurting my credit, causing my score to go down and making it nearly impossible for me to be credit worthy, I am wondering if moving forward legally would be beneficial. It is important to note that I know of two very close family members that are going through dire financial situations and have not been able to make payments to Synchrony Bank ( and others ) in the last 3 months. They also checked their Synchrony accounts last night and it is showing that they are late for 3 months ; however, the accounts remain open and the credit limit remains the same. Synchrony is well aware of what they are doing and how they are ruining my credit!
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| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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XXXX XXXX XXXX : Synchrony Financial XXXX XXXX XXXX XXXX XXXX, CT XXXX Account Holder : XXXX Account Number : last 4 digits : Good morning, please use this as a formal complaint regarding what we believe are unethical and deceptive billing practices to consumers and negatively impacting credit scores for their active account customers. XXXX XXXX has an established practice of creating late fees and reporting to the credit bureau agencies if payments are not received on the due date. Which is not information that is made clear to their account holders. From XX/XX/XXXX-XX/XX/XXXX, my husband has been reported to the credit bureau agencies 7 times to note what they have labeled as No payments and late payments in an effort to make money through late fees and manipulating the payment posting dates to the subsequent months to protect their unethical practice.
After speaking to XXXX on XX/XX/XXXX ( XXXX ) ( supervisor, agent # XXXX ), I was explained today that XXXX XXXX has a 23 day grace billing period and the due date for the statement is on the XX/XX/XXXX of each month. As I am writing to you, we have not received the statement and we are well into their 23 day grace billing period, which should be the time frame that is actually provided to consumers to pay their account on time. She explained that the bank gives itself a 7-10 business day grace period to send statements out to consumers.
Nowhere in their credit line customer information is posted that they have this practice and the negative impact this has for their account holders. Within their unethical practices, XXXX XXXX deliberately applies payments towards subsequent months with the intent of showing a no history payment and creating room for them to apply late fees to accounts. For our purposes we do all our payments through electronic payments from our XXXX XXXX account.
When we spoke to XXXX we asked to have our call recorded and made the formal request to file a formal complaint towards this practice. When she was asked about timeframe to receive a letter addressing this concern, she estimated at least a month or more and that if we wanted updates, we will need to call them back. We are looking to rectify the reports made to the three credit bureau agencies, but more important to be a consumer advocate and report this unethical practice to account holders that genuinely want to do the right thing to build a solid credit score and challenge these big financial entities to take advantage of their cardholders to create loops and unethical practices to benefit their bottom line. We look forward to hearing from you.
I would like to ask XXXX XXXX to remove the reports made to my credit history to all three credit bureau agencies and to readjust my credit line to what I was originally approved.
Based on our bank records from ( electronic payment history ) XXXX XXXX, during the XX/XX/XXXX and XX/XX/XXXX calendar year this is how the payments have registered against our account and this is how this entity has decided to reflect payments on the account and report to the credit agencies : XX/XX/XXXX Due date XX/XX/XXXX of each month Month/Year Payment Amount Payment Sent On Payment Delivered On Posted Date/or Applied Date by XXXX XXXX Comments XX/XX/XXXX {$250.00} XX/XX/XXXX XX/XX/XXXX Payment cashed onXX/XX/XXXX, noted by Synchrony as NO payment Synchrony applied payment to XXXX and reported to 3 credit agencies XXXX {$250.00} XX/XX/XXXX XX/XX/XXXX Payment cashed onXX/XX/XXXX, Synchrony posted payment for {$500.00} for the month of XXXX, however both payments were cashed on two separate dates XXXX Due date XX/XX/XXXX of each month Month/Year Payment Amount Payment Sent On Payment Delivered On Posted Date/ or Applied Date by XXXX XXXX Comments XXXX {$150.00} XX/XX/XXXX XX/XX/XXXX Payment cashed on XX/XX/XXXX according to XXXX XXXX Payment NOT labeled as late . Why is this different from previous payments?
XXXX {$100.00} XX/XX/XXXX XX/XX/XXXX Payment cashed on XX/XX/XXXX- noted by Synchrony as NO payment Synchrony applied payment to XXXX. Why?
XXXX {$190.00}XX/XX/XXXX XX/XX/XXXX Synchrony applied late fee, payment cashed XX/XX/XXXX Reported to credit agencies, and noted payment for {$290.00} moving XX/XX/XXXX payment to XX/XX/XXXX. Why? Reported to all 3 credit agencies XXXX {$90.00} XX/XX/XXXXXX/XX/XXXX Payment cashed XX/XX/XXXX Reported to credit agencies. Why? Reported to all 3 credit agencies XXXX {$100.00} XX/XX/XXXX XX/XX/XXXX Payment cashed XX/XX/XXXX Payment NOT labeled as late. Why is this different from previous payments?
XXXX {$170.00} XX/XX/XXXX XX/XX/XXXX Payment cashed XX/XX/XXXX Payment NOT labeled as late. Why is this different from previous payments?
XXXX {$170.00} XX/XX/XXXX XX/XX/XXXXPayment cashed 7/25/17 Payment NOT labeled as late. Why is this different from previous payments?
XXXX {$100.00} XX/XX/XXXX XX/XX/XXXX Payment cashed XX/XX/XXXX-noted by Synchrony as NO payment Synchrony applied payment to XX/XX/XXXX. Why? Reported to all 3 credit agencies XXXX {$150.00} XX/XX/XXXX XX/XX/XXXX Payment cashed XX/XX/XXXX. Synchrony rolled XX/XX/XXXX and posted payment for $ XXXX Payment NOT labeled as late XX/XX/XXXX Payment Missed, sent on XX/XX/XXXX Synchrony added late fee Synchrony is correct by noting NO payment and late fee XXXX {$100.00} XX/XX/XXXX XX/XX/XXXX Payment cashed on XX/XX/XXXX Synchrony reported to 3 credit agencies for prior months late fees when payments were made on time for this month XXXX {$70.00} XX/XX/XXXX XX/XX/XXXX Payment cashed on XX/XX/XXXX, Synchrony applied late fees Synchrony reported to 3 credit agencies when payments were made on time XX/XX/XXXX {$50.00} XX/XX/XXXX XX/XX/XXXX Payment cashed on XX/XX/XXXX. Reported to 3 credit agencies Synchrony reported to 3 credit agencies when payments were made on time Sincerely, XXXX & XXXX
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| 12/12/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Older American |
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I flooded in Hurricane Harvey without flood insurance. I lost everything. I replaced mattresses for my family by setting up an account offering interest free financing for 60 months with Mattress Firm. This account is serviced by Synchrony Bank. I have been paying on this account since XX/XX/XXXX. I have never made a late payment on this or any other account with them or any other credit company for a very long time.
On XX/XX/XXXX, without realizing it, I paid my account before the statement cycle ended. ( I also have a Care Credit Account serviced by Synchrony that I paid the same day, as I always pay both accounts at the same time - when I pay one account, I pay the other. ) Without me realizing it, Synchrony applied what I intended to be my XXXX payment on the Mattress Firm account as a second payment in XXXX instead of applying it to XXXX. They did not call me. They did not send me a late notice. They just applied the payment as a second payment in one cycle.
I subscribe to credit monitoring and I received an alert that based upon activity on my credit file my credit score was lowered by 24 points. Further description indicated Synchrony Bank substantially lowered my credit limit on the Mattress Firm account.
I contacted Synchrony Bank about XX/XX/XXXX. The first person I spoke to I believe was XXXX and she researched the issue, resolved the mistake, refunded the late fee and explained that I needed to wait for the billing cycle to end before making another payment in the future. I asked that my credit limit be restored because I very strongly felt that I had not earned the lowering of my credit limit as I have always made my payments on time from the inception of the loan until current day. She transferred me to a Manager who was exceedingly rude. She basically told me that my credit limit was lowered because I had bad credit. This is a complete lie. The only accounts that I have balances on are those with Synchrony Bank and I have never been late on any payment to them on either account and I told her that. She told me that it was other accounts reflected on my credit report. I explained to her that it is not possible that this is true because I have no late payments on any other accounts - all other accounts are paid off. I asserted the claim that the reason they lowered my credit limit was because they felt I was late on the XXXX payment and I was not - she acknowledged she knew that and saw that issue had been resolved, late fee refunded, she could see that but maintained that I had bad credit on other accounts. I asked to speak to her manager and she informed me that no manager was available, she input a message to call me and told me that it would be 30 days for me to hear from someone. I told her that was unbelievable and ridiculous.
Subsequent to this, I received a letter in the mail from them dated XX/XX/XXXX and every single reason they provide on the letter as to why they lowered my credit limit is a lie. " The Current Ratio of Balance to Credit Limit is Too High On This Account '' It wasn't before they lowered my limit which they did without merit. " This Account is Currently Past Due '' If anyone had looked at the pay history they would have seen a payment made on time every single month from inception of this loan to current date. Again, there was no phone call, no email, no late notice, no effort made to alert me that they perceived there was an issue. " The Percent Of The Last 12 Months Where The Payment Was Greater Than Or Equal To Statement Balance Is Too Low '' I made the required payment on this account every single month. This statement is ridiculous. I am not required to payoff the statement balance on an account that offers me the privilege of interest free financing. This is made up nonsense. " The Ratio Of Payments To Amount Due On This Account Over The Last 3 Months Is Too Low '' Again, the payment I have made every single month is the required payment. These comments are absolutely unfounded and untrue. They are generic - they do not apply to me or my account.
I made it very clear to this creditor that I would accept their decision if I had earned it but I have not earned what they have done and what they have done damaged me by the lowering of my credit score. While a creditor may have the right to lower a credit limit, I very strongly believe that they should be held to a standard of truth telling when providing a reason why they took such an action. I also feel that they should have notified me by some method of communication that they perceived an issue on the account because if they had, I would have immediately explained and resolved it. They afforded me no such opportunity. They were the rudest people me or my wife have ever had the misfortune to speak to. They were condescending, they made statements that were absolute lies ( telling me that I had other credit accounts with issues - all of my other accounts are paid off ), they were defensive and they would not listen. They possessed absolutely no customer service skills whatsoever. The last woman that called told us that they could lower the credit limit for any reason they wanted to. We replied that may be true but they should be required to tell the truth about why they did it and not send a letter with a bunch of made up nonsense that does not apply to me.
While the CFPB may not be able to do anything about the quality ( or the lack thereof XXXX of the personnel hired by Synchrony Bank or their customer service protocols, I am hoping that you will do something about the lack of any notices to me of any perceived issue on my account, and the fact that every reason they listed in the letter they sent to me is a lie. I am asking you to hold them accountable for the lies they told and how those lies damaged me. Thank you for your time.
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| 04/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Summary While I understand fraud prevention is dynamic, Synchrony willfully ignored opportunities to remedy a situation and put the onus and associated stress on me, even though I had already verified myself. Synchrony 's proposed quick fix of the video selfie would have been an invasion of my privacy. Requiring customers to submit video-selfies whenever requested by a financial institution is wrong at face value and could be found unacceptable by a constitutional law expert.
My Customer Experience from XX/XX/2022 The last time Synchrony prevented me from using my GapVisa credit card, I was only 4 hours away from my home. At that time, I received a text notification which allowed me to confirm it wasn't a fraud attempt. It was all taken care of with one text and one follow-up phone call. In the past, my only complaint about Synchrony card services was that whenever Id call for assistance, it always seemed like I had the wrong phone number, even though I used the one printed on the credit card. I previously enjoyed using this GapVisa credit card for all sorts of purchases including gas, groceries, and online shopping. It seems Synchrony isnt appropriately staffed, to the detriment of card holders and vendors who want to process transactions.
On XX/XX/XXXX, I authorized an out-of-state business to use my GapVisa credit card for a purchase. Synchrony card services didn't provide me with a text or email notification when Synchrony blocked this transaction. ( I have reviewed my inbox, junk mail, and text messages. ) The business eventually called me and said my card wasn't being accepted. I was embarrassed but was reassured that it's likely because of the out-of-state element.
I called Synchrony card services and spoke with a representative ( sounded like a woman, but I didn't get her name ) around XXXX XXXX She sent me a text message that included a link for me to validate/verify my identity. I clicked on that link, which opened a new browser window that had ZERO further instructions. The same representative then told me that verification was sufficient, and I could continue with my purchase. I called back the business and told them what Synchrony had said : that it was initially stopped because the out-of-state transaction looked suspicious. However, the transaction still didn't work the next time it was attempted. The vendor and I confirmed the number, expiration date, security code, and zip code were correct.
I called Synchrony again and XXXX said I now needed to send a SELFIE VIDEO and DL photo in order to further verify my identity and that the ENTIRE ACCOUNT had been frozen. The alternative was a standard mail letter with a confirmation code that I wouldnt receive for a week, with my credit card account remaining frozen until completion. I told XXXX that the selfie video request was a violation of my expectation of privacy and not appropriate considering I, the customer, didn't do anything wrong. I was simply trying to make a purchase and had already validated my info with another representative.
After I asked to speak to someone else, XXXX put me on hold. While waiting on hold, an automated message said something very similar to, " Your call couldn't be transferred, please hang up and try again. '' THIS HAPPENED THREE MORE TIMES! Another time, I was transferred to XXXX, who sighed loudly on the phone and said, wow in an exasperated tone. At one point, XXXX hung up on me because he said he couldnt hear me. Im certain my phone wasnt muted on my end and I could hear him the entire time. Another time I was on the phone with XXXX and asked to speak with a manager, he put me on hold and once again an automated message said something akin to, " Your call couldn't be transferred, please hang up and try again. '' Another time, I was on the phone with someone who called himself XXXX. He hung up on me when I asked WHY my account was requiring escalated verification despite my previous validation at XXXX.
I recall swearing while in-conversation with a representative when I said, " I should be able to buy whatever the f*** I want. '' I was then scolded by the phone representative. I was upset but would never call people names. At one point, I put my phone down and yelled into a pillow.
While Synchrony card services blocked my purchase attempts on my GapVisa card, they didnt halt the eventual purchase with the out-of-state business using my spouse 's XXXX brand credit card which is also serviced by Synchrony. Not a single issue occurred with that transaction despite us having the same billing zip code. I have closed this GapVisa account with a XXXX balance after almost 10 years of being a customer.
It should be noted, if I had been a person without a camera-phone in a dire situation, Synchrony bank could have left me without access to funds.
For the benefit of other consumers, I'd like Synchrony to answer the following questions. Besides that, I'm not interested in hearing from them or providing them with any more of my time.
1. Why didnt I receive a single fraud notification alert, like in the past? I recall double-checking my settings a few months ago and the alerts were still turned on.
2. Why werent Synchrony representatives able to put me on-hold without hanging up on me? Its a liability to have folks doing their job incorrectly whether the source is poor training, substandard technology, or a lack-of-care.
3. Why wasnt I connected with a supervisor? If I was speaking with a supervisor, why didnt they identify themselves as such?
4. Does Synchrony have employee rating factors that punish folks for escalating calls?
5. Why wasnt a qualified person able to override the situation when it was clear all transaction attempts were coming from the same business and I provided acceptable verification at XXXX pm?
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| 12/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Synchrony Bank/XXXX XXXX XXXX XXXX & {$7600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 12/02/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Synchrony Financial services company & {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXX, Iowa XXXX
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| 05/08/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I have several credit cards with Synchrony Bank. Synchrony Bank has reduced my credit limit or closed my account with XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX based off of incorrect and out dated information from XXXX between XX/XX/XXXX to XX/XX/XXXX. The scoring model or process used by Synchrony via XXXX for internal reviews does not extract up to date data. Synchrony Bank also does not report complete and up to date information regarding my credit limits and as a result my credit lines have been decreased and accounts have been closed.
I had already placed a complaint with Synchrony Bank in XX/XX/XXXX regarding Synchrony Banks decrease of my XXXX XXXX XXXX account, closure of my XXXX XXXX and XXXX Credit Card account. I gave Synchrony Bank authorization to pull an updated credit report in XX/XX/XXXX. I then received a letter on XX/XX/XXXX that Synchrony Bank could not pull a new report because I had a security freeze and fraud alert on my credit report that needed to be lifted. Synchrony Bank has not pulled an updated report for their files since I placed a credit freeze on my account due to concerns with identity theft in XXXX. Synchrony Bank is already my creditor and has a permissible reason to pull my credit report even if I have a security freeze on my report. I dont have to lift the security freeze for them to pull an updated report. If I have to lift the freeze and you are already my creditor then there is something wrong with Synchrony Banks account review process and it is something wrong with the XXXX system if it does not allow them to extract updated information. However it is grossly irresponsible if you are aware that you don't have updated information but continue to base your credit decisions on outdated or incorrect data. I reviewed my XXXX credit report mailed to my home in XX/XX/XXXX and compared it to previous reports and Synchrony Bank stopped reporting my credit limit on each account where my credit limit was decreased or where my account was closed. When Synchrony Bank and XXXX fail to report my credit limits it artificially inflates my credit card utilization rate, only reported credit limits are taken into account for the calculation. Instead they use the highest balance. Failure to report my credit limits along with decreasing my limits and closing my accounts based off of outdated information with XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX has been detrimental to my score. In Synchrony Banks XXXX Fourth Quarter Investor Presentation on XX/XX/XXXX ; the company reports a focus on a higher quality asset base. This is Synchrony Banks prime customer base with a credit score above 660. Customers with scores below 660 are subprime and it appears to be Synchrony Banks focus to remove the subprime customer base from Synchronys portfolio by any means necessary. I have become the subprime customer base by no choice of my own. Synchrony Banks probability of default scoring model is based on outdated credit information from XXXX. Synchrony Bank and XXXX are missing data to properly risk rate me and have me mapped to an alternative scoring system. XXXX has me scored me 100 points less than any other credit bureau. The key factors listed in my Synchrony Bank and XXXX adverse action notices have me listed with recent delinquencies or time with delinquency as unknown in XXXX, XXXX, and XX/XX/XXXX. I dont have delinquent accounts with any creditor. Synchrony Bank is reporting incomplete and inaccurate information to XXXX effecting my utilization. Synchrony Bank has taken adverse action by increasing my APR ; closing ; and reducing credit limits in both XXXX and XX/XX/XXXX but I have not received any notices of Adverse Action including my credit score and the key reasons since XX/XX/XXXX however they continue to take that action when they dont have updated credit data. I would like to see my credit report provided to Synchrony Bank in their internal review. I am not the only person who has experienced this issue. Please see attached complaint from another Synchrony Bank customer at XXXX. My credit score has decreased significantly based on the inactions and actions of Synchrony Bank and XXXX. I have been declined loans and refinancing due to the credit limit decreases and account closures ; its effect on my score has been detrimental. My credit limit decrease that went into effect today with XXXX XXXX has put me as over the limit. The only reason I'm aware of this decrease is because I pay to have credit monitoring notify me of any and all changes.
Synchrony Bank and XXXX are required to ensure that the variables used in the models are appropriate, predictive, and properly weighted to arrive at the best credit decision and that data inputs are complete and accurate. That would include using updated information and reporting complete information. An accurate scoring model should not only be used to decrease high risk assets from their portfolio but it should also be used to ensure that the scoring does not have a disparate impact for purposes of fair lending. I received a letter from Synchrony Bank stating that they use a sound credit scoring system for probability of default and my limits can be lowered or permanently closed based off of that information. Synchrony Banks credit scoring model is not sound or fair when it is using inaccurate and outdated information. Synchrony Banks scoring model is not sound or fair when it selects to report incomplete information to credit bureaus as a data furnisher under the FCRA. Synchrony Bank and XXXX use of outdated information and alternative scoring because they are missing data or have failed to extract updated data has unfairly limited my choices and access as a consumer and my families choices as a parent.
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| 12/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Synchrony Bank/PayPal Credit . & {$3400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states .... According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy .... ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1 .SYNCBXXXXXXXX Account number- XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of ... 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 11/25/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SYNCHRONY BANK & {$580.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed witXXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SYNCHRONY BANK & {$3100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .SYNCHRONY BANK bal. {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/11/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 01 SYNCHRONY BANK bal. {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SYNCB/XXXX XXXX XXXX {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SYNCHRONY BANK & {$3300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SYNCHRONY BANK & {$5100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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| 11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SYNCHRONY BANK & {$650.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXX, Iowa XXXX
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| 09/14/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I am writing this letter to make you aware of my disatisfaction with my recent experiences related to the account referenced above. Today, I contacted your customer service department for assistance with three issues : The card I received shows my last name first ; AND My XXXX name is XXXX XXXX XXXX XXXX XXXX, on the card it is displayed as XXXX XXXX XXXX XXXX XXXX ; AND When I attempted to use the card last week at Walmart, a transaction for approximately {$63.00} was declined. To be clear, the complaint regarding rude customer service applies to the 1st person I spoke with. I spoke with three individuals this morning. The rude one was the first one. Unfortunately, I did not make note of her name. During the initial call, I advised the representative that my last name was first on the credit card and inquired as to whether or not this was correct. She advised me that it was not correct but that I would have to go into a Sam 's Club location to have them correct it on my Sam 's Club membership profile before they could reissue the card. I asked her if she was sure it was that way on my profile because I would have noticed that before. She said yes. So I stated I would log into the account since I was sitting here in front of the computer. When I logged into the account, I saw that my name was not backwards on the profile. She then stated to me that I had completed the application that way. I advised her that was incorrect because they gave me the application back at the store and I have it here with me and it is not like that. She then said " what difference does it make, if you have both names on there it shouldn't make a difference which one is first. '' I was quite shocked at this response. I could not believe your representative was speaking to me that way. It was as if I was intruding upon her day or asking for something unusual when in fact, I was asking for an error to be corrected. I then asked for a supervisor and instead of being transferred to a supervisor, she felt the better response was to disconnect the call. I called back and requested to speak to a supervisor and after some time on hold, I was connected with a supervisor. I advised her of what happened during the interaction with the initial representative ( again, please note it was the first one. The first one was rude, the 2nd one connected me to the supervisor and the supervisor was the 3rd one ). The supervisor stated she would be able to identify the first one based on a digital trail left on my account. I then explained to the supervisor the concern with my name and she stated that it was showing correctly from what she could see but that she would go ahead and reorder the card. While she was processing this request, I asked her to not complete the transaction because the next question also involved the card. As previously stated, the full name of my XXXX did not print on the card. She advised me this is because there is a character limitation. I then said it is okay to abbreviate the XXXX name to XXXX XXXX. She said I would need to send a letter requesting the change. I found this somewhat inconvenient because I should have been informed of the character limitation at the time the account was opened. If that were the case, I would have requested the change at that time. She then said the character limitation is not known to the member representative who sets up the account in the Sam 's Club. That seems to be not very smart let alone customer friendly. Why would they not know there is a character limitation? I can't believe I'm the first one who has run into this problem. Also, why should I have to compose this letter, send it to you when you are already correcting an error. So now after you receive this letter, you will be sending me my 3rd card. First card : new card. Second card : correcting your mistake to display my first name first and last name last. Third card : abbreviate the XXXX name to account for your character limitation. Does this make any sense? Please reissue a third card with the XXXX name displayed as XXXX XXXX to account for your character limitation. Finally, I advised her that I had not been able to use the card because the transaction was declined in Walmart. She said she did not see anything on the account because authorizations disappear from the account in three ( 3 ) days. I reminded her there couldn't have been an authorization because the transaction was declined. She then said the process is the same and for me to call immediately next time. I advised her that I wasn't going to hold up the line in Walmart so I just used another card. She then said she understood but that I should call immediately after. So, here is my question : Why on earth would I chance using this card again if you can't assure me there is no problem? It makes more sense to just use a card that I know is going to work. Perhaps you have a way of finding out why this card does not work and letting me know how we can prevent this inconvenience from happening again? Today, on XX/XX/XXXX I received a letter stating I needed to send a request on letterhead requesting the name change of the XXXX. This was never my initial request. It is as if whoever sent this letter ( it wasn't signed - of course ) didn't even read the initial letter. Today i called to follow up on the letter and the " supervisor '' XXXX ( ID # XXXX ) was absolutely no help at all. She said they can only put the name of the XXXX as it is listed on the application. Well, it was not listed on the application that way and it was not printed on the card correctly. I told her the way it is listed is no9t my legal XXXX name. She said she could not help. I asked to speak with someone higher than her she said nobody is available. So here we are.
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| 10/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SYNCB/WALMAR bal. {$460.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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| 08/10/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SYNCHRONY BANK bal. {$280.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 12/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ASYNCHRONY BANK & {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SYNCHRONY BANK bal. {$300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SYNCHRONY BANK & {$540.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 01 SYNCHRONY BANK bal. {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 08 SYNCHRONY BANK bal. {$990.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. XXXX SYNCHRONY BANK bal. {$800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SYNCB/NETWRK & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 11/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SYNCB/OLDNAV & {$460.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX & BAL. {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX Bank & {$1400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 08/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SYNCB/NETWRK bal. {$840.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SYNCB/LOW bal. {$1400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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THIS COMPLAINT IS IN REGARD TO INACCURATE INFORMATION EXISTING ON MY XXXX/XXXX XXXX CREDIT REPORT. THIS COMPLAINT IS AGAINST SYNCB/SHOPHQ PLCC AT THIS TIME.
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
SYNCB/SHOPHQ PLCC provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. SYNCB/SHOPHQ PLCC regularly furnishes consumer credit reports to Creditors electronically. SYNCB/SHOPHQ PLCC is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers.
SYNCB/SHOPHQ PLCC routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified SYNCB/SHOPHQ PLCC at the address specified for such disputes that SYNCB/SHOPHQ PLCC is reporting inaccurate information concerning my consumer credit. As a victim of identity theft I expect the information in my consumer report to be accurate and my disputes taken seriously.
SYNCB/SHOPHQ PLCC has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to SYNCB/SHOPHQ PLCC. SYNCB/SHOPHQ PLCC receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on SYNCB/SHOPHQ PLCC S website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, SYNCB/SHOPHQ PLCC, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is SYNCB/SHOPHQ PLCC s policy and practice only to compare the name, social security number, date of birth, and address in SYNCB/SHOPHQ PLCC s computer database with the information provided on ACDV forms. Where three of the four items match, SYNCB/SHOPHQ PLCC will report to the Consumer that it has verified the information it furnished as accurate. It is SYNCB/SHOPHQ PLCC s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because SYNCB/SHOPHQ PLCC collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, SYNCB/SHOPHQ PLCC s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, SYNCB/SHOPHQ PLCC will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, SYNCB/SHOPHQ PLCC continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted SYNCB/SHOPHQ PLCC at the address specified by SYNCB/SHOPHQ PLCC to dispute information furnished by SYNCB/SHOPHQ PLCC to a Creditor and to notify SYNCB/SHOPHQ PLCC that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
Under Sections 13 ( b ) and 19 of the FTC Act, 15 U.S.C. 53 ( b ) and 57b, I am able to recover all equitable and ancillary relief as it may deem appropriate in the enforcement of the FCRA, the FDCPA, and the FTC Act, including the ability to order rescission or reformation of contracts, restitution, the refund of monies paid, and disgorgement to deprive a wrongdoer of ill-gotten gain.
Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes a Court to award monetary civil penalties of not more than {$2500.00} per violation for each violation of Sections 623 ( a ) ( 3 ) and 623 ( b ) of the FCRA.
I want SYNCB/SHOPHQ PLCC to remove these inaccurate items.
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| 09/29/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SYNCHRONY BANK bal. {$410.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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XXXX XXXX XXXX & XXXX took a {$4200.00} down payment on XX/XX/18 and then had us apply for credit through Synchrony for zero percent interest for 36 months which turned out to be a XXXX XXXX credit card account. Synchrony allows the merchant to be paid in advance for services and merchandise. We did not realize that Synchrony was going to give the merchant all the money upfront. By the time we received the credit cards in the mail Synchrony had already given the merchant {$25000.00} ( {$12000.00} for an sccount for me and {$12000.00} for an account for my husband XXXX XXXX ). The merchant started work on XX/XX/18. They removed all our old cabinets the first day. After three weeks they still had not installed the new cabinets and the merchant, specifically the owner, XXXX XXXX , XXXX, called on XX/XX/18 and said he was not sending his installers out " until we resolve this '' ( my bad XXXX review ). Because he was yelling I hung up and he then sent me a text again saying he was not sending his installers out, threatening to sue me for " declamation of reputation, '' threatening to put a lien on my home even though he had {$29000.00} and we had no kitchen and threatening to call the agency our International students were with because they should not be in THAT home. He made no effort to send installers back out and we moved forward to have another contractor finish the job. We had to have another contractor install the new cabinets. We purchased a sink, faucet, countertop, recessed lighting, undercabinet lighting, and missing cabinets and trim, and backsplash as well as paid to have them installed in addition to also paying for plumbing and to have our built in microwave and dishwasher and two doors adjusted and reinstalled. The ceiling has to be repaired and the kitchen has to be repainted as well. The merchant puts on all contracts that special orders are not refundable and apparently on the back on the contract says that all items not in stock are special order. Directly from the XXXX website on the merchant : " Pattern of Complaint XXXX reached out to the company regarding a pattern of complaints concerning lack of or unprofessional communications with concerns regarding consumer orders, extremely late or non-delivery of consumer orders, and consumers who are promised orders in a specific time frame which are not honored, nor are consumers made aware of any issue with the delivery deadlines until they reach out to your company for inquiry as to order status. XXXX also identified a pattern in responses to consumer complaints stating that the consumers will receive follow up communication or that orders which have not been received by promised dates are special order items and therefore nonreturnable. Consumers have reported that despite responses their complaint issue have not been addressed or resolved ; when return calls are promised to consumer, none are received. In the limited cases when a refund has been promised it is not followed through on. '' To which the merchant replied in part : I will also take your recommendation and spell out Special Order on each contract that is not a stock item. Synchrony received lots of documents and photos supporting our case. Their most recent letter closing our dispute says no refunds after 30 days and magically many of the items submitted to Synchrony were listed as special order ( AND NEVER DELIVERED ) even though the merchant never told us the items were special order nor listed them as special order on the contract. We have been told by two different attorneys that this business/owner is a non-collectable account. Even if we were to win a judgment we would have to stand in line behind others with judgments. There is a IRS lien over {$220000.00} and a recent judgment from XXXX over {$13000.00} and there are other cases/judgments in the XXXX and XXXX areas as well as other states where they also do business. No reputable contractor takes all the money upfront and a reason to do so is because the company is not financially stable. According to the NYS Attorney General website prepaid funds are supposed to be held in escrow or at the very least have bond insurance to protect our money and the customer has the right to view those records. The contract MUST contain a SPECIFIC description of work and materials including brands and model numbers and other identifying information as well as the approximate start and completion dates including any contingencies which would change the completion date. We have asked for an accounting several times from the merchant and never received one. It is very difficult to request a refund within 30 days when Synchrony allows the merchant to have all the money weeks or months in advance and then for the customer to know in advance that the merchant is not going to complete work in a timely manner or do poor work ( both in our case ) and the merchant commonly uses " special order '' as a way to not refund money so often that there were multiple complaints from consumers to the XXXX. I think the merchant has no intention of taking the XXXX recommendation to spell out special order on each contract that is not a stock item. Also all items that magically became special order were items selected from samples as a result of their super summer sale advertisement in the XXXX & XXXX newspaper and this merchant is in the kitchen remodeling business and therefore can use all these items on another kitchen project but more importantly many expensive items that magically became listed as special order WERE NEVER DELIVERED and on the documents the merchant submitted to Synchrony there is a {$900.00} dumpster fee. There was never any dumpster delivered or used at our home. The photo shows how
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| 02/24/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I had an account with Lowe 's credit card ( ending in XXXX ) starting around XXXX. During the financial crisis of XXXX, I lost my job and could not afford to pay back the balance, the account was closed in XXXX and was forced to file chapter XXXX bankruptcy which was completed in XXXX. This Lowes account was included in the BK and was written off.
After the BK, I re-established credit and was issued a new card by Lowe 's ( the credit card portion was first issued by Lowe 's GECRB - now taken over by Synchrony Bank with a new account number ending in XXXX ). My husband and I paid this bill through his XXXX Bill Pay account. In XXXX we bought a new fridge from Lowe 's. In order to pay it down quickly, I started making extra payments on the Lowe 's card through MY XXXX bill pay account. However, I inadvertently set the auto-pay to the OLD Lowe 's ( # XXXX ) account instead of the new one ( XXXX ) starting XXXX of XXXX. I set it to make auto payments of {$100.00} per month for 24 months ( except for the month of XX/XX/XXXX when I paid {$200.00} ). There were a total of 17 payments made by me for a total of {$1800.00} paid to Lowe 's.
This is a " paperless '' billing account - no paper statements are issued each month - and around the first of XX/XX/XXXX I become curious as to why this account still had a $ 3,400+ balance since my husband had been paying an average of {$400.00} a month + my {$100.00}. So I logged on to Lowe 's and I don't see any credits for the payments I made, but, in the right hand corner of the Lowe 's screen, it shows " CLOSED ACCOUNT XXXX ''. I went to click on the link to see what was there and you can not open it as it needs the 3 digit security code from the back of the card ( which I have not had since XXXX ).
I logged into my XXXX bill pay and find out that my payments were going to this closed account since XXXX and simply not even being credited to anything. They were not returned to XXXX. They were not credited to my account. Nothing.
I called Lowe's/Synchrony and explained the situation to them. I was put on hold for 12 minutes while the guy was checking it. He said he showed my {$100.00} payments were being made to my old account, that there was a " zero '' balance due on that card and he could not tell me where the funds were transferred to each month after they were paid. Then he said he had to " escalate '' it to another person who would take care of it. He then " transferred '' me to the " escalation supervisor ''. However, it simply disconnected.
I called back and re-explained the whole situation, asking if there were any notes from the first guy I spoke with. She said there were some notes and she had to " escalate '' this again but she also gave me a phone number of who she was transferring me to " in case I lose you '' - which, of course is exactly what happened.
So I called the number she gave me. I get a recording that its Synchrony Bank and I have to call back Monday thru Friday at XXXX XXXX as the other place I was calling was a foreign phone center and they can not handle anything like this ( but they never told me that ). These back and forth calls so far lasted 44 minutes.
I decided to contact BofA bill pay and tell them the story and see if they have more power with them. The bill pay rep at XXXX was very understanding and professional and completed a three way call with me and Synchrony. Synchrony did not like this and made the rep and me jump through hoops many times to " verify our identity ''. The XXXX rep and I again went through the same song and dance and were " escalated ' and hung up on. After another 36 minutes of back and forth and getting nowhere, we gave up.
We finally figured out that we needed to call back Monday the XXXX at XXXX when the Synchrony offices in the US were open. I called XXXX bill pay back and got a new XXXX rep named XXXX from XXXX on the line. She had the notes made by the other XXXX Bill Pay person from Sunday and pulled up all the copies of the payments I made to Lowe 's totaling {$1800.00}. We again got bounced from one dept to another to another, then given the phone number to their outside collection agency ( XXXX XXXX XXXX XXXX ) who they said the payments were transferred to - without any notice to me or XXXX . We called XXXX, they asked for all my identifying information and, after 18 minutes of her stonewalling, being obnoxious, etc, said she had no record of any payments and couldn't tell us anything as this was a closed account (??? ) and referred us back to Synchrony collections dept ( so far, by this point, we have been on the phone with them a total of 51 minutes ).
SO, we called back the Synchrony collection department, re-explained the situation again and he was telling us we had to call the XXXX people again. XXXX put a stop to this and told him " we already spoke to those people and they have referred us back to you. We have been on this call for 1 hour and 6 minutes. We do not want to be transferred again. I want you to give me your fax number so I can fax you the proof of payments so you can credit our mutual customer for these payments ''. He finally relented and gave us his fax number and said I would definitely hear back from them within three business days. It has been 14 days with no response whatsoever.
I have the printouts from XXXX XXXX XXXX to verify all payments were made and that neither they nor myself was ever notified that these payments were going to a closed account. In addition, these payments were made payable to " Lowe 's '' - the credit card company back in XXXX when I opened it was not even owned by Synchrony. It was XXXX. They should not have accepted those payments whatsoever. They should have been returned.
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| 07/11/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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|
Web |
Servicemember |
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Good day. In XXXX of XXXX, my husband and I ( we, us ) gave authorization to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, to settle our unsecured debts on our behalf. The written agreement between us and XXXX displayed a listing of all our unsecured debts, which included an account for a PayPal credit card ending in # XXXX. My records show the amount I owed on the referenced PayPal credit card at that time was approximately {$1500.00}.
On XX/XX/XXXX, XXXX came to an agreement with PayPal to settle the PayPal account ending in # XXXX for the amount of {$780.00}, payable in six monthly payments of {$130.00}, which were satisfied as follows : 1 XX/XX/XXXX - {$130.00} ; 2 XX/XX/XXXX - {$130.00} ; 3 XX/XX/XXXX - {$130.00} ; 4 XX/XX/XXXX - {$130.00} ; 5 XX/XX/XXXX - {$130.00} ; 6 XX/XX/XXXX - {$130.00}.
Total - {$780.00}.
Thus, XXXX notified me that, as of XX/XX/XXXX, the referenced PayPal account was settled in full. Enclosed please find a copy of the ACH Confirmation for the payment made in XX/XX/XXXX to settle the PayPal account ending in # XXXX, which shows an effective settlement date of XX/XX/XXXX.
Unfortunately, without my knowledge, about one year later, a collection agency named XXXX XXXX XXXX claimed I owed {$780.00} to PayPal for a PayPal account ending in # XXXX. I never received any notification, by phone, mail, email, or by any other means, of such an account. This was a fake account, and therefore it was not included in the listing of unsecured debts on the written agreement between us and XXXX. Additionally, please note that XXXX XXXX XXXX claimed I owed {$780.00} for the PayPal account ending in # XXXX, which, suspiciously, matches exactly the amount the PayPal account ending in # XXXX was settled for.
However, XXXX believed the PayPal account ending in # XXXX was valid and as such, on XX/XX/XXXX, without my knowledge, they came to an agreement with XXXX XXXX XXXX to settle the debt of {$780.00} for {$380.00}. On that same date, XX/XX/XXXX, a payment of {$380.00} was paid to XXXX XXXX XXXX, utilizing the funds that my husband and I had paid to utilize for the settlement of our unsecured debts. XXXX has always been fair to us and I am convinced when they settled the disputed debt, they acted in good faith, believing it was valid.
Because we had many unsecured debts and they were handled by a variety of collection agencies and attorney firms, it was difficult to figure out who handled each one of the debts. Furthermore, I experienced difficulty sorting out the settlement records, as the majority of them only provided the name of the collection agency or attorney firm and the settlement amount, without mentioning who the original creditor was or the amount of the original debt owed.
Also, at the time I was working extended hours and couldnt dedicate as much time as I wished to reviewing the settlement records. As a result, it took me a while to figure out which debt was which, when it was settled, etc. Eventually, I was able to sort it all out, and thats when I noticed that there was a debt listed in the settlement records i.e., the debt claimed by XXXX XXXX XXXX, that didnt match any of our unsecured debts.
Thus, I contacted XXXX and, after a review of their records, XXXX told me the amount of {$380.00} paid to XXXX XXXX XXXX in XX/XX/XXXX was for a PayPal account ending in # XXXX allegedly owed by me. I explained to XXXX that I only had one PayPal account i.e., the PayPal account ending in # XXXX, which was settled in full in XXXX of XXXX. XXXX investigated the matter and eventually, they tried to fix the problem by sending a request for validation of debt to XXXX XXXX XXXX on my behalf, which they did, in XX/XX/XXXX. However, neither myself nor XXXX ever received any validation of debt from XXXX XXXX XXXX. Therefore, I contacted XXXX XXXX XXXX directly by sending them a letter explaining the matter. A few weeks later, I received a call from XXXX XXXX XXXX. They told me the PayPal account ending in # XXXX was a Synchrony Bank account and therefore, I must contact Synchrony Bank for any inquiries or disputes concerning that debt.
On XX/XX/XXXX, I sent a letter to Synchrony Bank providing a detailed explanation of the situation and demanding a refund of the {$380.00} paid by XXXX on my behalf on XX/XX/XXXX, since, as explained above, the PayPal account ending in # XXXX was not a valid account. In my letter to Synchrony Bank, I requested that, if they were unwilling to refund the {$380.00} paid on XX/XX/XXXX, for the PayPal account ending in # XXXX, they must provide validation of debt for such account, as established by the FDCPA and the FCRA.
On XX/XX/XXXX, I received the attached response from Synchrony Bank. In it, they state they will not change the credit reporting for the account ending in # XXXX. However, my letter to Synchrony Bank was not a credit dispute. In fact, I didnt even mention anything about credit reporting of this account or any other accounts. As explained above, my letter to Synchrony Bank was just a request to receive either a refund of the amount paid for the inexistent account, or proper validation of debt. In their response, which appears to be a form letter, Synchrony Bank : 1 Did not address any of the concerns raised in my letter to them.
2 Falsely state that I have indicated I believe they reported inaccurate information about my account to a credit reporting agency when, in fact, I did not mention anything about credit reporting in my letter.
3 Do not provide validation of debt which they can not do, because it was an inexistent account.
As Synchrony Bank has not provided an appropriate response to my complaint, I appeal to you to assist me in getting it resolved.
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| 07/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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XX/XX/XXXX I used my Care Credit card at XXXX XXXX XXXX XXXX for an emergency visit after my dog was XXXX XXXX XXXX XXXX. Immediately XXXX XXXX XXXX had my mother fill out a Patient check-in form as I was unloading my dog from the car. They came out with a stretcher and wheeled my dog off to the back. Within 15 minutes, someone phoned the secretary at the front, she began speaking to us fast and frantic telling me that they needed me to sign another form to pay {$750.00} to begin services as my dog was in a XXXX XXXX. I attempted to ask what was wrong, what was going on, what procedure is needed and the secretary just kept saying ma'am we need you to sign this form now if you want us to proceed, your dog is in XXXX XXXX and we need this form now to do anything else. Due to the distress at that moment and feeling as though there was no other option and my dog was already in the back for treatment, I signed the form and handed over my Care Credit.
An hour passed and finally a doctor came to speak with us. Her main points were : my dog was in a XXXX XXXX XXXX predicament, she had seen good cases and bad cases and this case was the worst possible, that my dog had suffered XXXX XXXX and XXXX XXXX XXXX. She then left the room and said they would continue working on my dog.
I left for about an hour to take my XXXX yr old to get food and left my mother there. While I was away, reps had approached my mother with a print out of what procedures/tasks needed to be done on my dog and presented her with an estimate of $ XXXX-XXXX. They also explained they would do all they could, but could still not guarantee my dog would XXXX because her condition and XXXX/XXXX XXXX was so severe. My mother told them that as soon as I came back she would go home and get her credit card. Once I arrived and found out what was going on, I told the reps and the doctor, NO. There was no way we were spending thousands to save a dog that was 10 years old and especially since they could not guarantee the work.
I asked what other options there were and I was presented with putting my dog to XXXX. I asked to see my dog XXXX XXXX XXXX XXXX XXXX XXXX. The said they needed to prepare her and about 15 minutes later we were escorted to the back. My dog was laying on a stretcher wrapped up in a blanket and breathing very hard. We said XXXX and rubbed her and walked back to the room. We were then presented with yet another estimate of what it would cost to put my dog to XXXX. My mother then became uncomfortable at how many estimates we kept being presented with. Then my mother said forget it, we do n't trust the doctor or the workers, give us our dog and we will take her home. Then the doctor came in and said she could n't allow us to do that because our dog was in such a severe condition. She said that the dog would not last at our house. She said our dog would have XXXX and not be able to control her XXXX or XXXX. There was more conversations back and forth. At this point, it did n't make sense. The were forcing us to either pay the {$5000.00} to attempt to save our dog or pay to put her to XXXX, but denying us to take her home.
We then started walking out the building and they followed us out saying we ca n't abandon our dog and they would call the cops. We left. They called the cops and a cop called us to ask us to come back for our dog, even after we explained they would n't allow us to take our dog in the first place. We came back for our dog who was wheeled out sitting up looking happy and cheerful to be coming home.
That night our dog slept just fine, without any XXXX. She was not able to XXXX XXXX XXXX XXXX from what appeared to be an injury, so I carried her in and out the house to use the restroom through the night.
The next morning, I took her to her regular vet, XXXX XXXX XXXX. He examined her and verbally told us our dog did not have XXXX XXXX or XXXX XXXX and that any prudent person could see that. He said that XXXX XXXX and XXXX XXXX has some very serious side effects and she was not showing any of those. He determined that the only issue was a XXXX of the XXXX XXXX. He kept our dog over night to place her XXXX XXXX XXXX XXXX. We picked her up the next day. Her XXXX was wrapped to assist with the healing. It remained wrapped for 2 weeks and after that time was taken off and she has been XXXX and XXXX ever since.
XXXX XXXX XXXX XXXX fraudulently took {$750.00} from me and I would like my money back. My dog had a XXXX injury and instead of fixing that, they thought they could wheel her to a secluded area and drain me of thousands by pretending she had XXXX and XXXX XXXX. There are various websites I have researched and my dog did not show any signs of XXXX or XXXX XXXX. She was never treated for it and she is still XXXX to this day. I ended up having to pay XXXX XXXX another $ 700+ to actually fix the issue and I should not have to pay a fraudulent company for pretending.
Care Credit denied my dispute. I tried contacting XXXX XXXX XXXX several times in XXXX and XXXX. I spoke with XXXX XXXX, the Hospital Administrator, in XXXX XXXX. She listened and told me she would follow up with those involved and to allow her a few weeks to get back to me. She assured she would follow up after the new year. I have left approximately 3 voice messages for her in XXXX and she refuses to call me back. I will pursue this with consumer finance and I will also report this vet to the board as they should n't be allowed to steal anymore money from anyone. I work too hard to throw money away!
I have attached paperwork obtained from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to validate the aforementioned events and procedures.
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| 07/07/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2023 I initiated an electronic transfer of {$12000.00}, from my Joint Synchrony High Yield Savings account, where I am the primary owner of the account, and my wife is the secondary owner. The destination account for the transfer is also a XXXX XXXX account owned by me and my wife at XXXX Bank ( a.k.a. XXXX ), where I am also the primary owner, and my wife is the secondary owner.
These XXXX accounts had been recently linked to enable electronic transfers, following the the Synchrony Bank process, which involves the typical XXXX small test-deposit verification process. This means that the ownership and exact information of the XXXX savings account had already been verified by Synchrony.
On XX/XX/XXXX I received an email from Synchrony Bank with the subject line : ALERT : Your transfer # XXXX did not complete, and the email went on to explain that : a ) the transfer amount could not be deposited, b ) that the funds would be returned to the Synchrony Savings account within XXXX days, and c ) that if I required information about the issue I should call the customer service number provided in the email.
I did call, of course, and the Synchrony agent on the phone informed me that there was a mismatch in the ownership of the receiving account, meaning that the ownership of the XXXX XXXX account receiving the funds did not match the ownership of the Synchrony account where the funds were being transferred from. I was completely baffled by this and tried my best to explain that this was not possible since both my wife and I were owners of both accounts, and furthermore, with exactly the same ownership structure ( me as primary and my wife as co-owner ).
When I started asking the agent whether they needed anything from me to demonstrate that there was no mismatch in the accounts ownership, the agent interrupted me to tell me that the real issue was that he could see that there were several logins in the past XXXX weeks from geographies other than my home state ( Missouri ). Then, as I was beginning to clarify that, indeed, I had been traveling abroad the last XXXX weeks, so the logins were mine, the banker again interrupted me to inform me that, at that very moment a decision had been made to close my account because of suspicious activity. He also told me that our other joint account with Synchrony, a money market account, would also be closed.
I was shocked! I asked the agent for information on a recourse, and he said I had none. I asked the agent what to expect ; what would happen next?
The answer was that, after the funds of the failed transfer reappeared back in the XXXX Synchrony savings account, both the savings and money market accounts would be immediately closed. When closed, I would have no more access to them on the app or website, and the complete balance would be transferred out of Synchrony, and back to the bank accounts where they originated from, before they were deposited to Synchrony. He also said that the process would take XXXX to XXXX working days. At that point I was still shocked but happy to hear that my funds would be returned to me within a week. The total balance in or Synchrony joint savings account is {$12000.00}, and in our Synchrony joint money market account is only {$10.00}.
The failed transfer funds reappeared in the Synchrony savings account almost immediately on XX/XX/XXXX, however, none of the other steps I was informed about occurred. The accounts were not closed, I continued to have online access to them via the app and website. The only apparent difference was that a restricted account flag appeared underneath both of them in the app dashboard, and of course no withdrawals or transfers were enabled. The funds were not being returned to their originating accounts.
To understand this inconsistency, I called again Synchrony Bank customer service on XX/XX/XXXX to ask about the status of the account and when could I expect to see my funds returned to me.
The new agent gave me a different answer than the previous representative. She indicated that our Synchrony accounts were not closed, but rather, under investigation. The reason for the investigation was the failed transfer, nothing about the international log ins. She also said the funds were locked in the account until the investigation was concluded, quickly indicating that there is no time limit so the investigation could go on indefinitely. She also told me that she could not give me any more information because the case was being looked at in the back office. I asked about any recourse to either clarify the situation or get access to our funds, but she said I had none.
So, the bottom line is that Synchrony Bank frozeour joint savings and money markets accounts, seized the funds deposited in those accounts ( currently {$12000.00} and {$10.00}, respectively ). In my attempts to get an explanation and path for resolution I was given conflicting reasons for the issue ( first the failed transfer, then long ins I made while traveling, then the failed transfer again ). I was also given conflicting information on the status of the accounts ( first they were to be closed and later under investigation or restricted until further notice ).
To date, Synchrony Bank has not reached out to me, via any means, either to request documentation about ownership of the accounts involved, my travel documents, or any other information they XXXX need to quickly resolve their investigation. I am not seeking that my Synchrony accounts be reinstated. Frankly, I dont want to continue being a client. What I want is to recover my money, and that if the bank needs information, that they reach out to ask for it.
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| 07/20/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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|
Web |
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I would like to file a complaint against XXXX/Synchrony Bank. I was told that all payments on my credit card would be applied to the highest interest first as the CC act states. Please see email trail below my complaint was that I purchased a toilet at the regular interest and also a dryer at a promo rate (no interest for 12 mths.) They have this section in the top bar that drops down to say manage how payments handled I set it to the section below back when I first opened the account then I checked it in XX/XX/XXXX. it was changed and I reset again. In XX/XX/XXXX I realized I was being charged interest and I started the emails below (the first one is at the bottom, most recent at top.)
I purchased toilet for $XXXX at regular interest. I also had a deferred interest balance at same time all payments from XX/XX/XXXX on went on deferred int. amount of $XXXX instead of the toilet. I made payments of $XXXX by XX/XX/XXXX - in XX/XX/XXXX & XX/XX/XXXX they are still charging me interest. I have contacted them repeatedly and first I was told the interest was removed and they were giving me a $XXXX credit and it would show on next statement. Below is that statement. Note that the $XXXX credit was reversed by a $XXXX. Debit. I contacted them again and filed a legal dispute claim on top of the email request. As you can see from their last response they are literally blowing me off.
How do I go about handling this they charged me between $5 and $7 each month for over 6 mths. I dont have a XX/XX/XXXX statement yet, but Im betting the interest is still being charged even though the toilet was paid off by XX/XX/XXXX. The $XXXX is my balance INCLUDING all the interest charges - and NO credits. It should actually be completely paid off - they may even owe me $ if the $XXXX was applied correctly.
Thank you for your assistance!
3. Allocate Payment to Non-Promotional Balances First:
Any payment you make (including the required minimum payment due and any additional amounts) will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account.
TRANSACTION DATE POSTING DATE DESCRIPTION AMOUNT
XX/XX/2017 XX/XX/2017 ONLINE PAYMENT THANK YOU $XXXX CR
XX/XX/2017 XX/XX/2017 MISCELLANEOUS ADJUSTMENT $XXXX CR XX/XX/2017XX/XX/2017 MISCELLANEOUS ADJUSTMENT $XXXX CR XX/XX/2017 XX/XX/2017 MISCELLANEOUS ADJUSTMENT $XXXX CR XX/XX/2017 XX/XX/2017 PYMT ADJ-XXXX XXXX XXXX GA
$XXXX
XX/XX/2017 XX/XX/2017 PYMT ADJ-XXXX XXXX XXXX GA
$XXXX
XX/XX/2017XXXXXX/XX/2017 PYMT ADJ-XXXX XXXX XXXX GA
$XXXX XX/XX/2017 XX/XX/2017 INTEREST CHARGE ON PURCHASES $XXXX Thank you for your recent inquiry regarding your Lowe's account, and the opportunity to be of service to you.
As of XX/XX/XXXX, your account balance is $XXXX. Any transactions received after this date are not included in this balance.
New balance is the total unpaid amount of all purchases, balance transfers, cash advances, debit adjustments, interest charges and fees. For any further assistance please contact us at XXXX and we will be happy to assist you.
We appreciate you as a valued Lowe's customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below.
Sincerely,
XXXX Customer Service XXXX
Account is owned by Synchrony Bank
--- Original Message ---
From: "XXXX"
Received: XX/XX/17 XXXX XXXX EDT
To: XXXX
Subject: RE: Lowe's Card Account Information
per prev email - $XXXX credit will be applied to bill after XX/XX/XXXX - NOT - per latest statement - Bal $XXXX, minus $XXXX payment and MINUS $XXXX OTHER CREDIT AND ADDED $XXXX PURCHASE/DEBIT - I didn't buy anything, which means you are using the DEBIT to cancel out the CREDIT - on top of that I am being charge $XXXX Interest still. All payments were supposed to be diverted first to the bill that was interest. NOT HAPPY.
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Thank you for your recent inquiry regarding your Lowe's account, and the opportunity to be of service to you.
Credits totaling the amount of $XXXX were applied to your account on XXXX XXXX XXXX which will reflect on your next billing statement. Please accept our apologies for any inconvenience this matter may have caused.
We appreciate you as a valued Lowe's customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below.
Sincerely,
XXXX XXXX
Customer Service
XXXX
Account is owned by Synchrony Bank
--- Original Message ---
From: "XXXX"
Received: XX/XX/17 XXXX XXXX CDT
To: XXXX
Subject: Lowe's Card Account Information
XX/XX/XXXX XX/XX/XXXX ONLINE PAYMENT THANK YOU ($XXXX) XX/XX/XXXX XX/XX/XXXX MISCELLANEOUS ADJUSTMENT ($XXXX)
XX/XX/XXXX XX/XX/XXXX MISCELLANEOUS ADJUSTMENT ($XXXX)
XX/XX/XXXX XX/XX/XXXX MISCELLANEOUS ADJUSTMENT ($XXXX)XX/XX/XXXX XX/XX/XXXX PYMT ADJ-XXXX XXXX XXXX GA $XXXX XX/XX/XXXX XX/XX/XXXX PYMT ADJ-XXXX XXXX XXXX GA $XXXX XX/XX/XXXX XX/XX/XXXX PYMT ADJ-XXXX XXXX XXXX GA $XXXX
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. This company the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, This company whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This company never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. This company the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, This company whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This company never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.US15 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 01/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with cash advances
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|
Web |
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I took advance of a 0 % balance transfer offer the credit card company offered. I was concerned that if I did that and used the card for purchases how would the payments I made would be applied to the outstanding balance. I normally used the auto pay to pay the balance in full each month to avoid interest charge. However, I was told if I did that then the first month after I got the balance transfer the amount of the transfer would be paid back defeating the purpose of getting the transfer in the first place. I asked then if I turned off the auto pay how would I pay the bill to avoid interest charges. I was told if I paid the amount of the charges made on the billing statement I would avoid the interest charges. On my XX/XX/XXXX, XXXX I had charges of {$470.00} for that billing period. On XX/XX/XXXX I made an online payment of {$500.00} figuring that would cover what needed to be made as a payment to avoid interest charges.
On my XX/XX/XXXX statement I saw that I was charged {$7.00} in interest. I called the credit card company on XX/XX/XXXX to ask why there was an interest charge since I had paid more than the purchases made. I started to get vague answers that I hadn't paid enough, that I needed to pay the minimum payment plus the purchases to avoid the interest charges. That was not what I was told when I first inquired about the balance transfer. I proceeded to ask the rep what was the amount that I had to pay each month towards the balance transfer. She was unable to answer me. I told her I see on the statement an amount for my purchases and a minimum payment amount due but nowhere on the statement the amount ( if any ) of payment that needed to be made towards the balance transfer. At this point I am not sure if as part of the agreement the balance transfer is to be amortized over the life of the interest free period of 1 year. I asked the rep what I would have to pay for the XX/XX/XXXX statement and was told it would be {$710.00} and change. This contradicted what she told me that I would have to pay the purchases for the month and the minimum payment. On the XX/XX/XXXX statement the charges were {$560.00} and the minimum purchase was {$96.00} for a total of {$660.00} not the {$710.00} and change she quoted me.
I have used other credit cards for balance transfers but used them only for that and not made any other purchases for them. On those cards there was a monthly payment to bring down the outstanding balance. I then had the option of paying off the balance of the loan when the interest free period ended or keep it and then pay interest at the prevailing rate.
However no matter how much I tried with this rep to get the amount that the transfer needed to be paid off she was either unable or unwilling to give me the amount. I them asked for a supervisor to speak to. A person name XXXX came on the phone. I explained to him I had been charged interest and wanted to know what I had to pay each month to avoid the charges. Again I got a runaround that the balance changes each month and he never could give me an answer on what to pay to avoid the interest charges. I told him I knew the amount to pay for the balance transfer would vary since if it was being amortized ( like it was on the other cards I had done similarly with balance transfers ) but if I was told ( for example ) that for the month of XXXX the amount that had to be paid for the balance transfer was {$75.00}, then I would know if I paid the {$75.00} and purchases for the month I was good going forward because each subsequent month the amount to be paid to the balance transfer would be less than the {$75.00} since monies were being applied to the outstanding balance of the balance transfer.
The call went around around for some time with me asking for the amount and the supervisor telling me he couldn't give me the information I was requesting. I asked the supervisor why I would have to pay the purchases made and payment due to avoid the interest charges. My assumption was that the payment due include the minimum payment that was due on the purchases so in effect I was paying twice. And back on XX/XX/XXXX I spoke with a rep to find out what I had to make as a minimum payment towards the transfer and was told I did not have to make anything towards it.
I consider that not having any information on the statement telling the customer what amount has to be paid to avoid the interest charges to be false and misleading and the fact that their customer service group claims they can't give that information out or provide information that is apparently erroneous ( giving me a statement saying to avoid the interest charge is to pay the purchases made amount and payment due amount and then give me an amount to pay that is about {$60.00} more than what is on the XX/XX/XXXX statement.
I consider this an attempt by this company and any other credit card company following similar practices to create the situation where people are hit with interest charges they would not normally have incurred and refusing to provide clear and simple answers to resolve the matter.
Bottom line as I file this complaint, I don't know if the {$800.00} payment I made on XX/XX/XXXX will be enough to avoid interest charges on the account. It is higher than the {$660.00} that is the purchases and payment due amount and the {$710.00} and change the rep quoted me. That is not a position a customer should be in.
I have copies of statements that support my claims and can be produced if required. However, the credit card company should have copies of my statements and payments.
|
| 03/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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A fraudulent card from Synchrony Paypal was opened in my name, unbeknownst to me, in XXXX of XXXX, presumably in the XXXX, GA area. I live in XXXX, Florida. My first knowledge of this was in XX/XX/XXXX when I received a debt collection letter. I called Synchrony Bank and asked what this was about and they told me that I no longer had any debt with them. Another letter came in either XXXX or XXXX, and again I called Synchrony and the same response, no money owed.
My wife and I then applied for pre-approval for a home loan which was denied because I had over {$4000.00} of unpaid credit card bills under my name. Up until now I thought the credit card letters were a scam. So, I run my credit report, see that it is Synchrony Paypal and immediately take action to fix this. I call Synchrony and file a disputer and I disputed through XXXX. I was told it would take up to 60 days to determine the status. This is on XX/XX/XXXX.
At this point my credit is in the mid to low XXXX 's which is the lowest I have even seen it and this has already affected my ability to get approved for a loan which we then lost the ability to get a house we wanted to purchase. I have an near perfect payment history on all credit cards and bills dating back decades, all of which can be proven with documents.
About a month later, around XXXX XX/XX/XXXX, Synchrony send me a letter denying my dispute. At this point, my credit had be bumped back up to the high XXXX 's and then brought back down because of Synchrony Paypal denying my dispute. They claimed that I had knowledge of this credit card and that I benefited from the usage of it. I NEVER KNEW THIS CARD EXISTED AND NEVER SAW A SINGLE DOLLAR FROM THIS USE OF THIS CARD.
So, I call Synchrony back the day I received the letter, around XX/XX/XXXX, and refiled a dispute. The woman I spoke to was not cooperative and helpful besides just telling me that my dispute is filed again and it will take up to 30 days at this point to be determined. I also refile the dispute with XXXX again, which was also denied along with my first dispute to XXXX.
The next day, XX/XX/XXXX, I call Synchrony Paypal again and speak to a very nice and helpful fraud account manager. In speaking with her, we went through all the details of the fraudulent credit card to see where the issues might be. Obviously my name is on the card but any of my used emails was not listed and I was not told the email that was used.
Nor was my cell phone number listed which is the only number I've used for over 10 years. The address used was a condo that I own in XXXX XXXX XXXX, FL and is being rented by the same tenant for three years. However, my tenant never received any mail because the fraudulent card was paperless. And, I have not lived at this address or used this address for any credit or financial purposed for over 9 years.
Also when speaking to the account manager on XX/XX/XXXX, I requested records of all the payments that were made on the credit card. I did not receive these until after Synchrony Paypal had served me court papers and are now suing me for the {$4200.00} that was fraudulently spent with this card.
When I received the statements, it is seemingly obvious to me that this is a total scam and that Synchrony Paypal is using their financial weight to pick on and bully innocent victims to pay back money that they never applied for, acquired, or used. As the statements clearly state, and I have copies of all of them, the fraudulent card was used in XXXX GA, not XXXX FL, where I live. And I can prove, if Synchrony Paypal can provide the timing of the purchases, that without a doubt, I was in the region of XXXX and XXXX XXXX XXXX FL when every single purchase on this card was made.
Not only that, but all of the purchases made on this card were used as a scam. The scammer made a purchase, then waited a while and paid of the purchase. They would then call Synchrony Paypal back and dispute it, and there money was returned to them. The first time it was for around {$100.00}. The used it, paid it off, then disputed and were refunded the money. They then did this for around {$1000.00}, same process. They then did it for around {$4000.00} and yet again, the same process.
All of these payments went to a website that does not have a physical address on the bank statement nor any sort of contacting information. What normal decent business does not have any identifying information about itself on a credit card statement. I didn't even know these things existed not do I have any knowledge on to go about doing such a scam.
Again, I have a near perfect payment history for over decades. I am a mIddle school teacher and a small business owner. My wife and I work very hard to be productive good people and to provide a fun stable life for our children. This fraudulent credit card is completely out of the realm of anything that I would do to jeopardize my financial and stable life.
I can unequivocally prove that I have never used this phantom website that Synchrony Paypal claims I used, I will open my bank statements to prove it. I do live in XXXX GA nor was I anywhere near there at the times these payments were made and I am not nearly tech savvy enough to make it seem like it could have been there. Again, this can be proved.
Synchrony Paypal is using their deep pockets and resources to go after innocent identity theft victims to recuperate any money that their corrupted companies have overlooked. I will discontinue using anything with Paypal and Synchrony bank for they are not trustworthy to me anymore.
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| 12/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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Company failed to provide all necessary elements of a contract with consideration being the number one element. Company didn't put anything up of value. In their XXXX SEC filings it mentioned " Our primary funding sources include cash from operations, deposits ( direct and brokered deposits ), securitized financings and senior and subordinated unsecured notes. '' " We access the asset-backed securitization market using the Synchrony Card Issuance Trust ( SYNIT ) through which we may issue asset-backed securities through both public transactions and private transactions funded by financial institutions and commercial paper conduits. In addition, we issue asset-backed securities in private transactions through the Synchrony Credit Card Master Note Trust ( SYNCT ) and the Synchrony Sales Finance Master Trust ( SFT ). '' Asset Backed Securities are created when a company sells its loans or other debts to an issuer, a financial institution that then packages them into a portfolio to sell to investors. They also mentioned that " Our asset-backed securities are collateralized by credit card and auto loans. '' What this mean is that they used me application/ promissory note and sold it to receive cash. '' Which means they didn't put up anything of value. Meaning they didn't disclose that our signature and application was being used to borrow money. This goes against the meaning of a contract. One essential element of contract is Certainty and Consideration and I was never made aware of this. To be enforceable, a contract must include certain terms, and the ability to fulfill the essential terms of an agreement must be guaranteed. These terms must be clear and unambiguous. There are two essential terms in any agreement : the first one is consideration or price to a bargain ( something of value given in exchange for something else of value. You didn't put up anything of value at all. consideration-XXXX XXXX XXXX XXXX is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable. For instance, if a person used the money to purchase an XXXX the XXXX is the merchants consideration, and the money is the persons consideration. Synchrony Bank didn't put up any consideration. contract-XXXX XXXX XXXX A contract is an agreement between parties, creating mutual obligations that are enforceable by law. The basic elements required for the agreement to be a legally enforceable contract are : mutual assent, expressed by a valid offer and acceptance ; adequate consideration ; capacity ; and legality. In some states, elements of consideration can be satisfied by a valid substitute. Possible remedies for breach of contract include general damages, consequential damages, reliance damages, and specific performance. Background : Contracts are promises that the law will enforce. Contract law is generally governed by state common law, and while general overall contract law is common throughout the country, some specific court interpretations of a particular element of the contract may vary between the states. If a promise is breached, the law provides remedies to the harmed party, often in the form of monetary damages, or in limited circumstances, in the form of specific performance of the promise made. Elements -- Consideration and Mutual Assent Contracts arise when a duty comes into existence, because of a promise made by one of the parties. To be legally binding as a contract, a promise must be exchanged for adequate consideration. The contracts with Synchrony Bank is void ab initio and no debt is owed. It was never a lawful contract from the start. They are in breach of written agreements, use false and misleading advertisements, act without written permission, authorization, and without the alleged borrowers knowledge to transfer actual cash value from the alleged borrower to the bank and return it as a loan. They never gave me a loan. Banks cant lend money but only credit. I extended my own credit. In their GAAP ( account system ) it shows that the actual cash value shows up like a loan from the borrower to the bank or as a deposit which it is not taxable. So they are committing fraud, tax and securities fraud to be exact and the IRS and SEC will be knowing about this. In your annual report it clearly states that I am the borrower ( by signing the application and giving it value ). My credit card was paid off soon as you used my application/promissory note and got money from it. Case law that supports this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remedies for Breach of Contract -- Damages If the agreement does not meet the legal requirements to be considered a valid contract, the contractual agreement will not be enforced by the law, and the breaching party will not need to indemnify the non-breaching party. That is, the plaintiff ( non-breaching party ) in a contractual dispute suing the breaching party may only win expectation damages when they are able to show that the alleged contractual agreement actually existed and was a valid and enforceable contract. In such a case, expectation damages will be rewarded, which attempts to make the non-breaching party whole, by awarding the amount of money that the party would have made had there not been a breach in the agreement plus any reasonably foreseeable consequential damages suffered as a result of the breach.
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| 07/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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According to 12 CFR 1016.1- Purpose and scope. ( a ) Which governs the treatment of nonpublic personal information about consumers by financial institutions this company is only compliant with only 2 out of the 3 requirements under this section. They are in noncompliance of ( a ) ( 3 ) which states that they must provide a method for consumers to prevent a financial institution from disclosing NPI to non-affiliated 3 parties ( ex : consumers reporting agencies ) by opting out of that disclosure.
I never received such notice that was clear an conspicuous to me being advised that I had the right to opt out of the release of my NPI. The company has verbally stated that an optout notice for their company does not exist. They refuse to put it in writing .If an optout notice does exist one has not been presented to me and to it didn't not follow the lawful guideline outlined in 12 CFR 1016.3 ( b ) Definitions ( 2 ) Examples ( i ) Reasonably understandable. You make your notice reasonably understandable if you : ( A ) Present the information in the notice in clear, concise sentences, paragraphs, and sections ; ( B ) Use short explanatory sentences or bullet lists whenever possible ; ( C ) Use definite, concrete, everyday words and active voice whenever possible ; ( D ) Avoid multiple negatives ; ( E ) Avoid legal and highly technical business terminology whenever possible ; and ( F ) Avoid explanations that are imprecise and readily subject to different interpretations.
Nor did it follow the lawful guidelines below ( ii ) Designed to call attention. You design your notice to call attention to the nature and significance of the information in it if you : ( A ) Use a plain-language heading to call attention to the notice ; ( B ) Use a typeface and type size that are easy to read ; ( C ) Provide wide margins and ample line spacing ; ( D ) Use boldface or italics for key words ; and ( E ) In a form that combines your notice with other information, use distinctive type size, style, and graphic devices, such as shading or sidebars, when you combine your notice with other information.
Their website is also void of notices which is also noncompliance of ( iii ) Notices on Web sites. If you provide a notice on a Web site, you design your notice to call attention to the nature and significance of the information in it if you use text or visual cues to encourage scrolling down the page if necessary to view the entire notice and ensure that other elements on the Web site ( such as text, graphics, hyperlinks, or sound ) do not distract attention from the notice, and you either : ( A ) Place the notice on a screen that consumers frequently access, such as a page on which transactions are conducted ; or ( B ) Place a link on a screen that consumers frequently access, such as a page on which transactions are conducted, that connects directly to the notice and is labeled appropriately to convey the importance, nature, and relevance of the notice.
They are also in noncompliance of 12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice That accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than When you establish a customer relationship, except as provided in Paragraph of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic Personal information about the consumer to any nonaffiliated third party They are also in noncompliance with 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your Consumers that accurately explains the right to opt out under that section. The Notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal Information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt Out right.
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to Exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant Forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case Of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes The address to which the form should be mailed ; Provide an electronic means to opt out, such as a form that can be sent Via electronic mail or a process at your Web site, if the consumer agrees to The electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt Out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means Of opting out if : ( A ) The only means of opting out is for the consumer to write his or her Own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to The initial notice is to use a check-off box that you provided with the initial Notice but did not include with the subsequent notice.
( g ) Time to comply with opt out. You must comply with a consumers opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time
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| 11/28/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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Hi, Below is the complaint I initially sent Synchrony Bank that will explain the situation. It was sent to all executives at Synchrony, Investor Relations, Media contacts, and I copied in the CEO 's of each company the cards represent. They closed 5 store credit cards of mine. No delinquencies at all, no usage that violated the agreement. My understanding is that the CARD Act of 2009 requires a 45 day notice before making a major change to the account. These were all closed on XXXX, XXXX/XXXX/XXXX. They will state it was on XX/XX/XXXX, but they were not. They were open, and accepting charges. I had no notice, not even an email or phone call. I found out on XXXX when a payment was declined. I sent them a customer service email, called them, and sent their XXXX customer service a Direct Message. Well I got a reply from the Office of the President for the email stating they represent the CEO. I asked to get the CEO involved. Synchrony 's CEO is XXXX XXXX. The President is XXXX XXXX. They gave me a 3 XXXX XXXX denial over XXXX. See the attachments. I got a little heated in a few of the emails, but it seems that's how they do business. When I called them on the night of XXXX. I was connected to a XXXX, who was the MOD at the XXXX XXXX office. She ended up hanging up on me, after saying she couldn't help me. She kept interrupting me, and said this conversation is going nowhere then hung up.
Thank you, please read the initial complaint I sent below, and look at the attachments.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX Call or Text : ( XXXX ) XXXX | XXXX XXXX : XXXX " I ask that if anyone on this email has an incorrect email address to please forward to them. This is basically every email address I could find. Please, no one say, well this isnt my job. I really admire the diversity in your top leadership, and your listed company values ( seriously. ) However, thats all good fluff to hide what kind of company you really are. Ive never had a problem with you all until now. If I did something wrong, let me fix it. Not sure what that would be, Im not gambling, buying XXXX, or XXXX with them.
First, from reading the information from Ms. XXXX on the Synchrony site. This does not fit your culture. Good thing I didnt apply for XXXX or XXXX.
All of my Synchrony accounts were closed today. They were all open yesterday despite what you are saying. You authorized 2 transactions on PayPal that are just sitting there. I called, I spoke with a MOD named XXXX at the XXXX XXXX office, who hung up on me. Whomever I spoke with earlier in the year that helped me with COVID-19 was wonderful. I cant find his information, Im sure its listed. Tonight I also spoke with XXXX, a XXXX XXXX Account Manager. She couldnt do anything, however, she helped me with a phone number to the department I need to call tomorrow. She was wonderful. However, I decided to send an email to everyone. I see you think youre invincible by the standard Delaware incorporation, and " stating '' the the CA laws will prevail.
However, this is not an isolated issue from what Ive seen online, you cancelled all 5 accounts I had with them, that includes my Amazon XXXX XXXX, Lowes Store Card, Sams Club Card MasterCard, XXXX XXXX XXXX and PayPal.
See the following post from XXXX, and read the comments. XXXX : XXXX XXXX I hope you will stand by your Code of Conduct for executives with this.
So, unfortunately, I wont be able to buy much this year as I cant take advantage of the financing offers. I just found out today, XXXX Day, of course, no one is in the office. I hope enough people complain for you to do something. Ive copied in Synchrony. I know they wont care either. This is just outrageous.
Never had a 30 day past due payment, nothing has really changed much this year. Our business is closed until the end of the year, and we are on unemployment, and are doing fine paying everything at the moment. We normally make about {$40000.00}. The SBA thought we were ok, they gave us a {$56000.00} PPP, {$23000.00} EIDL, and {$2000.00} grant EIDL.
So Synchrony offered assistance to me earlier in the year due to COVID. The CEO has a message how they are wanting to help, and help small business. Well, Im a XXXX XXXX XXXX. So this is a bunch of XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX So if you all expect me to pay this money back, youre going to have to combine all payments, give a decent interest rate that includes the 0 % I currently have, a reasonable term that includes any promotional term including the 84 months on Lowe 's, and 1 payment . Im not going to be looking to pay these individually.
This doesnt look good. Hey Happy XXXX though.
According to your most recent SEC 10D filing, you have a less than 1 % delinquency rate. Another reason this makes no sense.
I copied in the applicable companies.
You are more than welcome to pull up my accounts. Information is below.
I think it would be easier to reopen the accounts, or open new ones with the same credit limits.
I dont understand this, whole thing about punishing people for using their credit. I have XXXX XXXX on here since you are blaming them.
Thank you!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX Call or Text : ( XXXX ) XXXX | XXXX Fax : XXXX DOB : XX/XX/XXXX Last 4 Digits : XXXX Most usernames online are XXXX, but XXXX XXXX is XXXX. Some of these may still be using XXXX. That still gets to me through XXXX. XXXX XXXX is XXXX XXXX Last 4 : XXXX XXXX : XXXX XXXX : XXXX XXXX : No physical card XXXX XXXX : XXXX ''
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| 04/05/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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1. SYNCB/CARE CREDIT Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/2021.
I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by the creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by the creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by the creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers, and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA, and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation.
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| 12/14/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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In XX/XX/XXXX, I opened a Lowes Credit Card and purchased all new appliances for my new house. Over the following year I bought thousands of dollars on the card in appliances : a washer, dryer, stove, microwave, fridge and dishwasher. I used the card specifically to get the " 24 months zero interest '' offer. -- In XX/XX/XXXX, I went to pay off the full amount, both to not pay more than 1-2 months of interest that it was now accruing, but also so that I could buy more appliances. The balance seemed high, but I didn't look into it at the time. I had never received any statements or notices on the account, so would need to log into the payment portal later and figure it out. -- When I went and purchased a new appliance in XX/XX/XXXX, I had to agree to a big notice that the interest free period I again qualified for would end after x months, and that if I didn't repay in full before that time, all the back interest that I had avoided would be charged to be in a lump sum penalty. I had never heard that before, and thought it odd. -- I went and checked my online account and saw that I had been charged {$1200.00} as a lump penalty fee in XX/XX/XXXX. I called and through three levels of customer service, I was told that the fee was intentional. If I had paid it before XX/XX/XXXX, there would have been no fee. If I had contacted them within 30 days fo the fee they would have waived it entirely. Since I was contacted them ~60 days after the fee ( and the first that I knew about it, as I had never seen any statements ), they would do absolutely nothing for me and thought I deserved to pay the full amount. -- A reasonable consumer would expect that a zero interest period is a period during which there is zero interest, and after that promotional time, you start a normal ( high ) interest rate. It is misleading to have a " delayed interest '' period and advertise it as no interest. I am sure that the paperwork I was provided in XXXX had fine print explaining this, but it was never said to my wife or I, and neither of us ever had any actual knowledge of it. -- They set my wife 's email up as the contact email for my credit card, we suspect because she was the contact person for the delivery we were purchasing, but because of that I never received any notices or statements for my account, and she never knew to expect any ( they all went to her junk/spam folder, which she had no reason to check for Lowes emails ). We never actually saw any statements or notices ( I do see now that the monthly statements included this notice, but again, we never actually saw it ). -- They must think that their past notice was insufficiant, since on this new XX/XX/XXXX purchase, I had to digitally, specifically aknowlege the deferred full interest feature ( I have no recolection of any such aknowlegment in XXXX, despite specifically remembering the signing for the card. If there was such an aknowlegement, it was apparently ineffective, but I am as sure as I can be that there was not speical notice, and I am 100 % sure that I did not understand that at the time, and was not told about it verbally ). -- No reasonable person would do what I did, if they were given actual knowledge of the credit product. I paid {$1200.00} in interest for ~2 months of credit ... .. around 300 % annual interest. I clearly could have paid it off during the time period, or scheduled a payment before the period ended, if I had known I needed to. In fact, I would have accepted their x % off the price offer at the time of purchase instead of the interest free financing, and then paid it off immediately. So, instead of getting ~5 % off, I accepted their offer to pay them an extra ~50 % of the purchase price. -- I feel this is unfair, punitive, deceptive, and abusive. It seems at least a little predatory, as I paid for something that no one would possibly want or agree to. They said after three levels of customer service that they can refund these fees within 30 days, but that they can't after that ( clearly XXXX the company can, and just chooses not to, thinking it fair and appropriate to gouge people with an unreasonable fee. I was promised a follow up call with the next few days, but that was weeks ago and I never heard back. -- I also reached out to the store manager, who was very polite and seemed sincerely apologetic. I did not expect him to do anything as its not his field ( and the purchase was so old, he couldn't even see it when he asked to look it up ). He did promptly return the appliance I had bought that day, and I purchased it from their competitor ( since the sale windows were shorter than the period I expected a call from XXXX, and I needed to get the new appliance from somewhere and wanted the weekend sale price ). He said he would ask his regional manager about it, but I never heard from theme either. To reiterate, I am very happy with the local store and manager, despite their inability to do anything on their end. They know I have a long history of shopping large and small there, as I renovate my home during a pandemic. -- As I said on the phone with them, I have had a very good relationship with XXXX so far, and even drive past their competitor to go to them instead. I would like to do business with them in the future, but I will not do business with them if they have treated me this way and cost me over {$1200.00} for no benefit at all. On the phone they said that they hoped I didn't close my account, but that they would rather that happen then make this right and reverse the penalty.
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| 04/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Managing, opening, or closing your mobile wallet account
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Web |
Older American |
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PayPal written explanation for consumer affairs dated XX/XX/XXXX I have been a PayPal credit customer for years with an excellent payment history. I am XXXX years old ; I have Social Security income direct deposited in my bank account on the XXXX of every month. Over a year ago, I linked my checking account to my PayPal credit account and set up autopay for PayPal to draft my payment on the XXXX of each month. This way I would avoid possible late payments and fees.
My last working autopay was my XX/XX/XXXX, payment. My XX/XX/XXXX auto payment failed, but there was no notice from my bank, no NSF or nothing at all. I didn't notice that it wasn't paid. I don't know why it didn't work. However, on or about the XXXX of XXXX, I had my debit card compromised and I thought that might be the reason why. Synchrony bank called me on XX/XX/XXXX wanting payment for XXXX and the upcoming XXXX payment plus a {$30.00} late fee. I paid them {$240.00} with my bank debit card. I told them my autopay wasn't working right, but I had already updated my account info with my new debit card info to see if that may have been the problem.
The only other activity on my PayPal account was on XX/XX/XXXX. PayPal ran an account verification for a cash transaction from my daughter. That was six days before my XXXX payment failed, but I don't know if this has anything to do with it or not. Apparently, no one knows, but I once again assumed all was correct. So, there was no draft in XXXX. ( Pay Pal required me to pay my XXXX payment in advance in XXXX ). I was away from home for an extended time for the holidays, didn't notice my XX/XX/XXXX draft failed. I had no notice on my bank statement, no NSF, nothing. I returned home to find a letter from synchrony bank dated XX/XX/XXXX, saying my account was closed due to dishonored payments. Still nothing was showing on my bank, no NSF, nothing.
I contacted XXXX via phone call to make XXXX and XXXX payments plus a {$41.00} late fee and paid them {$250.00} on XX/XX/XXXX. They reactivated my account and waived my late fees, which they say {$71.00} was applied to my debt. I ask customer service for the third time what could be wrong. It was suggested that my bank was blocking the payments. The next week I received another letter from PayPal dated XX/XX/XXXX, again saying my account is closed for dishonored payments. I went to my bank, they said they have no idea what happened, but they haven't had a stop-payment on my account since XXXX.
On XX/XX/XXXX, PayPal attempted to draft my XXXX payment for {$130.00} ( {$100.00} + 26 dollars late fee ). I called customer service for the fourth time on XX/XX/XXXX, and explained the situation again. I spoke to XXXX and told her I knew this wasn't working again. I made a payment of {$100.00} through my PayPal account using my debit card online. She said she would adjust my account so that my {$100.00} XXXX payment would make me current. The late fee would be removed because it was the XXXX which is my due date. She was, once again, able to reactivate my account and I was current until XX/XX/XXXX payment. She said to wait until my payment cleared my bank and then go to my account and totally remove my bank and set it up again and see if that fixes it and I did.
I received a third letter dated XX/XX/XXXX, that once again my account had been closed due to dishonored payments. I got an email notice that my payment was past due, and they needed {$170.00} to catch up making my XXXX payment as well. On XX/XX/XXXX, synchrony bank ( which is also PayPal credit ) called wanting payment. I called them back on XX/XX/XXXX, explaining the situation for a fifth time. I paid {$26.00} late fee payment, and my account was said to be current owing {$140.00} due on XX/XX/XXXX.
I was advised that I should have stopped using autopay back in XXXX when it didn't work. I didn't know it didn't work or I wouldn't have used it! If you had an auto pay that failed, would you just stop using it with no questions asked? This was the first time anyone suggested not using autopay. I used auto pay to avoid late payments and now I have five NSFs being reported to credit bureaus as late payments.
I spoke to XXXX in customer service and explained for a 6th time. She said unfortunately once those figures are in the system fees and penalties are assessed and there was nothing she could do. She said she tried to reopen my account and could not, and if I wanted, I could try to open a new account in the future.
I have had no reasonable answer to this dilemma in five months of trying. As a result, I overpaid my normal payments by about {$100.00}, my account is closed for the third ( and apparently last ) time, I have NSFs and late payments being reported to credit bureaus. I have no idea of what happens when they try to draft my bank, but obviously these drafts are not getting to my bank, I dont know where they go, but Pay Pal says they are being returned as NSFs which is not true. I made my XXXX payment online through my Pay Pal account and will probably have to continue that way or they will try to auto draft again, which wont work and all of this will happen again. I cant stop a draft at my bank that they have no record of.
Thank you for your consideration in this matter, PayPal has all my calls recorded. I feel like I've done nothing wrong, I am being punished because THEIR system has failed! NO ONE AT PAY PAL EVER CHECKED MY BANK INFORMATION or offered me a reasonable solution as to why my auto pay doesnt work or how to fix it.
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| 05/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American, Servicemember |
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This is also included in a PDF file attached ( better format ) : CFPB Complaint Text This is a complaint against Synchrony Bank Credit Card Division. This complaint is supported of two ( 2 ) spreadsheet files covering two ( 2 ) billing months and two ( 2 ) account numbers at Synchrony Bank.
These spreadsheet files are : Fraud Complaint Card XXXX for the XX/XX/XXXX Billing Period.
Fraud Complaint Card XXXX for the XX/XX/XXXX Billing Period.
Also included with this complaint are the actual billing statements for the above two ( 2 ) cards and billing periods : XXXX Synchrony Premier Statement XXXX XXXX Synchrony Premier Statement XXXX The following complaint XXXX is listed in chronological order.
1. On or about XX/XX/XXXX, I was noPfied by Synchrony Bank of possible fraudulent use on my card ending in XXXX.
2. When I retrieved and looked at my XX/XX/XXXX statement with a due date of XX/XX/XXXX, I found numerous debits ( and credits ) related to XXXX XXXX which were not made by either me or XXXX XXXX the other card holder on this account. All of these entries related to XXXX XXXX were entered fraudulently against my credit card.
3. I immediately told Synchrony Bank to close the account and not allow any further acPvity against this account with the last 4 digits of XXXX.
4. It should be noted that our credits cards were neither lost nor stolen and XXXX are, to this day, in our possession.
5. I filed a fraud complaint with Synchrony Bank on XX/XX/XXXX. I was told at that XXXX that an invesPgaPon would be done and we would be noPfied of the results. A month later now and XXXX no response from Synchrony Fraud department!
6. At this Pme, I was told I did not have to pay the fraudulent charges. Aside from the debits and credits related to XXXX XXXX, the only other debit on the XX/XX/XXXX statement was a single charge for {$130.00} to XXXX XXXX XXXX which represented my total amount owed for the XX/XX/XXXX billing period.
7. I made this total payment to Synchrony Bank on XX/XX/XXXX ( see XXXX XXXX billing statement ). Having paid the total amount owed ( aside from the XXXX XXXX debits and credits which were allegedly to be invesPgated ), I should not have been charged interest on new purchases which to my chagrin was not the case ( see below ).
8. Synchrony Bank then issued us new credit cards with an account number ending in XXXX. These cards were acPvated on XX/XX/XXXX, but have never been used and this account has also been closed because of Synchrony Banks failure to properly handle our fraud claim in a Pmely fashion.
CFPB Complaint Text 9. It should be noted, at this point, that there were sPll outstanding charges against the old XXXX credit card which were incurred before the fraud came to light and which Synchrony Bank moved to the new XXXX card ( this was OK and expected ).
10. However, on XX/XX/XXXX, I downloaded our XX/XX/XXXX statement on the new XXXX account only to find that Synchrony Bank had also transferred the balance of the fraud complaint charges ( credits minus debits ) to our new card in the amount of {$590.00}. Furthermore, Synchrony Bank also applied an interest charge on new purchases of {$15.00} which should not have been applied because I paid my bill in full per their instrucPons, i.e., paying all, but excluding the fraudulent XXXX XXXX charges!
11. I then called Synchrony Bank to complain and received a bunch of double talk that the charges had to be moved to the new card and that I would have to pay interest on new purchases because the full balance on the XXXX card had not been totally paid. When I made the aforemenPoned payment of {$130.00} to Synchrony represenPng a payment in full of my valid charges, I noPfied them of what I had done, only to get a silly form leber that said nothing but they received by communicaPon.
12. This is totally wrong! The fraudulent charges should be maintained in abeyance during the so-called invesPgaPon and not charged to me on the ensuing months bill with interest because I allegedly did not pay my bill in full. Again, I was told I did not have to pay the fraudulent charges in XXXX.
13. Then there is the issue of how the XXXX XXXX debits and credits ended up my account in the first place. As previously stated, our cards were neither lost nor stolen, so how could this happen? The only plausible answer to me is the charges came from inside of Synchrony Bank ( possibly to improve their revenue stream to apply fraudulent interest penalPes to the customer ).
14. I filed a second fraud complaint against Synchrony Bank on XX/XX/XXXX via Fax and via online secure message and told them I needed this resolved by close of business today ( XX/XX/XXXX ) or I would be forced to file a complaint with the Consumer Financial ProtecPon Bureau ( CFPB ). I received so such acknowledgement from them whatsoever.
In Summary : I believe Synchrony Bank is guilty of civil fraud as defined in the State of Arizona and is abempPng to extort money from me. I do not believe what they have done is a mistake, i.e., I believe what they have done is deliberate and is illegal or at the very least morally wrong. If this complaint does not bear fruit, my next step is to discuss the issue court!
I have cancelled my newest credit card ( XXXX ) with Synchrony Bank and I will never do business with Synchrony Bank again! They allege that I owe them money ( voicemail today ) staPng that I owe {$460.00}.
Not true, I paid all valid charges for both billing periods on both cards.
Respecfully submibed, XXXX XXXX
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| 03/06/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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On Saturday, XX/XX/2020 I went to XXXX located at XXXX XXXX XXXX XXXX in XXXX, NY. I was there with my children to shop for a birthday gift. I was on the line waiting to check out and their store manager by name of XXXX was soliciting their TJX rewards mastercard to every customer on the line. She stated that XXXX was having a special promotion during the month of XXXX where if you opened up there TJX rewards credit card no soft or hard credit inquiry would be made and everyone would automatically get approved for a credit line of {$1500.00}. She also stated that it was the last day to do open it and it had to be done in store only in order to get that special promotion. She approached me as I was waiting my turn to pay and told me about the promotion that she had been telling to every other customer prior to me. I explained to her that I was in the process of purchasing a house and that I could not do anything that would affect my credit score at the moment. She insisted that no soft or hard inquiry would be ran due to their special promotion. I explained to her that by any means could I open a new credit card because that would cause a drop in my credit score. She continously told me that this was an absolute special promotion that XXXX was having and that they do not run your credit at all. After several attempts to persuade me into opening up the TJX rewards Mastercard I finally agreed to do so. She walked me to the register and informed the sales associate that I would be opening up the mastercard to take advantage of the last day for there special promotion. For the last time I asked her once again and she laughed it off and stated that she had been offering the promotion for the entire month of XXXX and no one has gotten their credit ran. During the application process I was asked for my drivers driver 's license and social security number. I stated to them why would my social be needed if my credit was not being ran and I was told by XXXX that they only wanted to confirm my identity. As soon as they submitted the application I received a notification from an application that I have on my phone to monitor my credit that a new hard inquire was on my XXXX credit report and that it was made by SYNCB/TJX CO DUAL CARD. I was furious when that happened after I was told numerous times by store manager, XXXX that no soft or hard inquiry would be made. I demanded to speak with her since she was no longer in sight. They sent out another manager who refused to give me her name that spoke to me in a very rude and condescending manner when I tried to explain to her what had just transpired. I told her to get the store manager by the name of XXXX that was soliciting the credit card and after several minutes and me telling everyone on line how I was just scammed and lied to she finally came out. She grabbed my hand and told me to come with her so that I could keep quite and pulled me to the womens shoe department. She stated that she was very sorry and that is what was told to her by XXXX cooperate office. I informed her that XXXX just ruined my chances at getting a house because I was not supposed to have any credit inquiries or late payments on my credit so that my score would remain the same until I was able to go into contract. She stated that she would try to help rectify what was done and that she would contact TJX Rewards customer service to explain to them that my credit was not supposed to be ran due their special promotion being held by XXXX. I informed her that I have already been in the store long enough with my young children and that I also had a birthday party to attend. Store manager, XXXX wrote down her full name, hours that she worked, her title and personal cellphone number for me to call her so that she could give me an update on the call that she was on with customer service. When I got home I immediately texed her to find out what the outcome was regarding her phone call with TJX Rewards credit cards customer service and to also further express my frustration. She replied that she called XXXX and spoke to a manager by the name of XXXX. and that XXXX said to call the same number and ask for any manager. She also stated that she was told by XXXX that if the customer was not present they can not put the dispute in. And that when I call to tell them that I did not authorize my credit to be checked and that they will put a dispute in and remove the inquiry. She also recommended that I contact XXXX and dispute that inquiry as well. And told me to call her if I needed her help in any other way. I feel that I was scammed, misled and lied to into opening up the TJX credit card and in return I was affected negatively by it in a major way. The dishonesty of the XXXX store manager caused my credit to be negatively affected in a major way. I am a single mother of XXXX that has been working hard to secure a home for my children by repairing my credit. I am distraught and mind blow that a big organization such as XXXX would use such disgrasful tactics full of dishonesty in order to get their consumers to open up their TJX rewards card. I asked XXXX to please inform XXXX cooperate office of what had transpired and to this day I have yet to receive a call or an email as to how they would help rectify what had happed. Since I have received no form of feedback from XXXX cooperate office I have no choice but to seek further actions against them for their unethical and deceitful approach at soliciting their credit card.
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| 12/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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SYNCHRONY Bank corporation has completed a consumer credit transaction with myself and refuses to comply with the laws that are in place for consumers. I have attempted to resolve this matter respectfully and in good faith with an end result denied my rights as a consumer. It is also brought to my attention there has been a credit balance on my account yet has not been given to me within the 6 months time frame since the beginning of my account. This has been deemed security fraud based on the security exchange act of 1934. There also is a CURRENT credit balance however SYNCHRONY BANK is asking for payments using debt notes.
15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
a ) In general Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligors payment in readily identifiable form, by XXXX XXXX on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof.
15 U.S. Code 1666c - Prompt and fair crediting of payments ( ( Pub. L. 90321, title I, 164 ) Term : finance charge Information required by this subchapter shall be disclosed clearly and conspicuously, in accordance with regulations of the Bureau. The terms annual percentage rate and finance charge shall be disclosed more conspicuously than other terms, data, or information provided in connection with a transaction, except information relating to the identify of the creditor. Except as provided in subsection ( c ), regulations of the Bureau need not require that disclosures pursuant to this subchapter be made in the order set forth in this subchapter and, except as otherwise provided, may permit the use of terminology different from that employed in this subchapter if it conveys substantially the same meaning.
a ) In general Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligors payment in readily identifiable form, by XXXX XXXX. on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof.
( b ) Application of payments ( 1 ) In general Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted.
15 U.S. Code 1666i - Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses a ) Claims and defenses assertible Subject to the limitation contained in subsection ( b ), a card issuer who has issued a credit card to a cardholder pursuant to an open end consumer credit plan shall be subject to all claims ( other than tort claims ) and defenses arising out of any transaction in which the credit card is used as a method of payment or extension of credit if ( 1 ) the obligor has made a good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card ; ( 2 ) the amount of the initial transaction exceeds {$50.00} ; and ( 3 ) the place where the initial transaction occurred was in the same State as the mailing address previously provided by the cardholder or was within 100 miles from such address, except that the limitations set forth in clauses ( 2 ) and ( 3 ) with respect to an obligors right to assert claims and defenses against a card issuer shall not be applicable to any transaction in which the person honoring the credit card ( A ) is the same person as the card issuer, ( B ) is controlled by the card issuer, ( C ) is under direct or indirect common control with the card issuer, ( D ) is a franchised dealer in the card issuers products or services, or ( E ) has obtained the order for such transaction through a mail solicitation made by or participated in by the card issuer in which the cardholder is solicited to enter into such transaction by using the credit card issued by the card issuer.
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| 10/11/2023 |
Yes |
- Credit card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I have failed to dispute on this matter with Synchrony Bank regarding failure of Ashley to provide services and responses within a reasonable amount of time. I have disputed this twice now, with the same outcome.
On XX/XX/XXXX, I purchased a mattress ( {$2700.00} w/ tax ) and mattress protector ( {$150.00} w/tax ) along with some other items from Ashley Furniture Homestores in XXXX , Ohio using my Ashley Furniture Homestores Synchrony Bank Credit Card totaling {$2900.00} w/ tax. I was told by Ashely that using this mattress protector would add an additional warranty and were anything to get through the mattress protest, they would replace my mattress. My cat XXXX on it while we were sleeping on XXXX My wife awoke immediately to the sound and we got the cat out and removed the bedclothes only to find the XXXX had gone straight through the mattress protector. I tried to contact the store I purchased the mattress at for a several days by phone, emails, and a text line their outgoing message said to contact. I never received a response, I drove to the store on XX/XX/XXXXXXXX and received a number to call from a salesman to file the warranty claim. I waited the 10 day period with no response. After two weeks with no response, I left a XXXX review on XXXX Upon submitting that review, I received a reply to it, asking contact their escalation team, which I did ), and it was ignored as another Ashely employee began reaching out to us asking for the same information I had previously provided. We kept failing connect by phone as she was calling me when I was unavailable despite me informing her of this in an email. She never provided a phone number I could reach her at when I was available and the one on caller ID was their generic order line, was never able to reach her through it despite trying. At this point she requested I provide details by email and I recounted the issues to her on XXXXXXXX in an email. On XX/XX/XXXX, she tried to call me again when I'm not available and claims to have not received despite me using the same email chain we had been. At this point it had been 40 days since the incident and I still had no resolution, so I filed the first dispute with Synchrony Bank on the full charge of the transaction, as Ashley claimed to no longer have information the transaction for me to only file on just the affected items. On XX/XX/XXXX, while the the dispute was still under review and 23 days after filing the dispute and 66 days since the initial incident, Ashely attempted to contact us through my wife 's phone and left a voicemail ( we saved if needed ) after business hours. The message stated the warranty the claim needed to go through the mattress protector manufacturer, XXXX, and not Ashley, contrary to what we had been told at purchase. The Ashley employee also stated claim with XXXX had already been started by Ashley and approved, but I needed to contact XXXX to complete things. I contacted XXXX on XXXXXXXX to check on this. The XXXX representative checked for claims under both mine and my wife 's phone numbers and found that Ashley had not filed anything as they had told us. He assisted me in starting a claim, making sure to note that I had not been getting responses from Ashely but had let them know immediately that I had a problem. I received a judgement within two hours from XXXX that my claim was denied due to not filing within 5 days of the incident. Upon receiving the response from XXXX, I updated the dispute information one my Ashley Furniture Homestores Synchrony Bank Credit Card with this information, outlining that it took Ashely 66 days from the incident to provide me information on this, and prior to the voicemail on the XXXX, it had been 26 days since they attempted to contact me.
I received information that the dispute had been resolved in Ashley 's favor on XX/XX/XXXX, I was still liable for the remaining payments, and a further email would be sent when all documents were available for me to review. On XX/XX/XXXX, I received an email from Synchrony that all claim documents were available. Upon reviewing them, I found it included a receipt of the transaction despite Ashley telling me it no longer existed. Reading the documents, it was clear that Synchrony had disregarded that it took Ashely Furniture Homestores 66 days from the time I tried to contact them to provide me information that I should have gone through XXXX and that I was already well beyond XXXXXXXX XXXX 5 day post-incident window to file while Ashely failed to respond to me. I contacted Synchrony on XXXX hoping to be able to appeal this decision and was told the only thing I could do was to file a second dispute, which I did, amending the disputed amount to reflect only the mattress 's cost + tax ( {$2700.00} ) and making sure to outline it taking over two months for Ashely to provide me accurate information. On XX/XX/XXXXXXXX I received the decision that this dispute had also been found in Ashely 's favor.
Ashley Furniture Homestores gave me incorrect information as to who to contact in the event of an issue. Had they responded promptly with accurate information to my initial attempts to contact them, this whole issue could have been avoided. Not only did it take them 66 days to provide accurate information, I was lied to about a replacement already being approved. All of this has very clearly been ignored by Synchrony Bank on the transactions on my Ashley Furniture Homestores Synchrony Bank Credit Card
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| 09/26/2023 |
Yes |
- Credit card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Dear Sir / Madam, This is regarding the consumer account ending in XXXX ( formerly XXXX ) which as of XX/XX/2023 has been charged with deferred interest in the amount of {$590.00} The purpose of this letter is to dispute the legitimacy and legality of this interest charge which is in violation of the Code of Federal Regulations under 12 CFR Part 1026 due to the failure on the part of Ashley XXXX XXXX, XXXX ( hereinafter referred to as Ashely ) and Synchrony Financial ( hereinafter referred to as Synchrony Bank ) to follow the guidelines set forth in 12 CFR Part 1026 which I will outline below; Under 12 CFR Part 1026 1026.16 ( b ) ( 2 ) ( 2 ) If an advertisement for credit to finance the purchase of goods or services specified in the advertisement states a periodic payment amount, the advertisement shall also state the total of payments and the time period to repay the obligation, assuming that the consumer pays only the periodic payment amount advertised. The disclosure of the total of payments and the time period to repay the obligation must be equally prominent to the statement of the periodic payment amount.
Note : Neither the advertisement from Ashely nor the loan documents or subsequent statements disclose the monthly payment amounts needed to pay off the extended credit during the promotional period in order to avoid interest charges.
1026.16 ( d ) ( 6 ) ( ii ) ( C ) ( C ) In the case of a promotional payment, the amounts and time periods of any payments that will apply under the plan. In variable-rate transactions, payments that will be determined based on application of an index and margin shall be disclosed based on a reasonably current index and margin.
Note : Again here, the amounts were not disclosed.
1026.16 ( h ) ( 3 ) ( 3 ) Stating the deferred interest period. If a deferred interest offer is advertised, the deferred interest period must be stated in a clear and conspicuous manner in the advertisement. If the phrase no interest or similar term regarding the possible avoidance of interest obligations under the deferred interest program is stated, the term if paid in full must also be stated in a clear and conspicuous manner preceding the disclosure of the deferred interest period in the advertisement. If the deferred interest offer is included in a written or electronic advertisement, the deferred interest period and, if applicable, the term if paid in full must also be stated in immediate proximity to each statement of no interest, no payments, deferred interest, same as cash, or similar term regarding interest or payments during the deferred interest period.
Note : The advertising material published by Ashley via XXXX mailers clearly state the special promotion as Interest Free for the specified promotional finance period without any mention of a term or disclaimer such as if paid in full nor is such a term mentioned in any of the official bill of sale or loan contract documents.
( 4 ) Stating the terms of the deferred interest or similar offer. If any deferred interest offer is advertised, the information in paragraphs ( h ) ( 4 ) ( i ) and ( h ) ( 4 ) ( ii ) of this section must be stated in the advertisement, in language similar to Sample G-24 in appendix G to this part. If the deferred interest offer is included in a written or electronic advertisement, the information in paragraphs ( h ) ( 4 ) ( i ) and ( h ) ( 4 ) ( ii ) of this section must also be stated in a prominent location closely proximate to the first statement of no interest, no payments, deferred interest, same as cash, or similar term regarding interest or payments during the deferred interest period.
( i ) A statement that interest will be charged from the date the consumer becomes obligated for the balance or transaction subject to the deferred interest offer if the balance or transaction is not paid in full within the deferred interest period ; and ( ii ) A statement, if applicable, that interest will be charged from the date the consumer incurs the balance or transaction subject to the deferred interest offer if the account is in default before the end of the deferred interest period.
Note : Nowhere in the Bill of Sale or in the loan contract does is clearly disclose or mention a statement that indicates the date when interest will be charged from or the exact date when interest will begin incurring in accordance with paragraphs i and ii above.
Considering the above nonconformance to the XXXX on the part of Synchrony Bank and its retail partner, Ashley on this transaction, I have offered, in good faith, to settle this account and pay it off in its entirety, less the deferred interest amount charged retroactively in XXXX of XXXX in the amount of {$590.00}.
Hence, I have offered to pay a lump sum of ( {$1100.00} - {$590.00} ) = {$520.00} which includes the remaining principle plus accrued interest since the lapse of the 12-month interest free promotional period. Thereby, with the payment of {$520.00} settling my obligations entirely with this account.
I gave Synchrony Bank ten ( 10 ) business days from the receipt of this letter to respond to this dispute this or provide a counteroffer of settlement. No response was received within that time period, despite several attempts via Certified Mail to the company 's official addresses in both XXXX, FL and XXXX, PA. The first letter was sent on XX/XX/2023. No response was ever given.
Kind Regards, XXXX XXXX.
XXXX XXXX XXXX XXXX.
XXXX, MD XXXX
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| 10/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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In going through checkout on XXXX XXXX website, a promotional banner ad stated that if I applied with their credit card, I would receive an immediate credit towards my purchase. This is an ad that I regularly see ( I shop on XXXX several times/month ), but have never researched in depth. I was purchasing a more expensive item today, so decided to click on the ad when I was in my " Shopping Cart '' ( prior to " Proceed [ ing ] to Checkout '' ) and apply for the credit card and take advantage of the offer. The application process was easy and within a couple minutes I was approved for the card and completed my purchase. After my order was complete, a different banner ad appeared for a different credit card offer. To my shock and dismay, this was the card I believed I was applying to the first time ( a VISA rewards card ). The card that was opened was a " Store Credit Card '' offered through Synchrony Bank. Neither card has an annual fee ; however, the store credit card has a significantly higher APR and is not acceptable at other merchants, nor is it eligible for rewards on XXXX XXXX purchases ( as is the case with the VISA card ). Finally, the Store/Synchrony card offers a {$60.00} instant reward, while the VISA card offers a {$70.00} instant reward.
I am very frustrated, as I realized this immediately after completing the application and purchase process. I had a meeting, but called XXXX approximately 1 hour after opening the account/making my purchase to explain the dilemma and see if anything could be done. I was told that " yes of course, I could apply for the VISA card. '' When I prompted the customer service rep ( XXXX, I believe ), he acknowledged that I would then have 2 credit cards. This did not resolve my issue. I had to speak to his supervisor ( I think she said her name was XXXX ), and she told me my options were to cancel the order and have Synchrony close my account, or to cancel my Synchrony account after my item had been delivered. This still did not solve my problem, because all I wanted was the VISA account and the item I purchase. The supervisor finally transferred me to Synchrony, where an unhelpful representative told me that she could close my account after I cancelled my order through XXXX and it would not hurt my credit to close the account. At that point, my inquiry with her was whether or not my credit history would be impacted, or if something could be done to mitigate/remediate the credit pull. The account had been opened for just over an hour and was essentially opened on accident, given XXXX XXXX failure to adequately describe it's various credit card programs. The Synchrony rep again wrongly informed me that it wasn't going to impact my credit history. This is not true, as I work for a bank. I was so fed up after this exchange that I had to disconnect from the call before I lost my cool Here are my issues : 1 ) XXXX XXXX failure to clearly describe and distinguish its various credit card options on its website when you click on the " apply now '' link. I was under the impression from looking at the banner ad that there was a single credit card option. I would not have known any different unless I scrolled to the very bottom of their website to look at the footer where there is an " XXXX Payment Products '' section, which then lists their " Visa Rewards, '' " Store Card, '' and " Business Card. '' This is not apparent for consumers clicking on an " apply now '' banner. This is a deceptive practice.
2 ) XXXX XXXX switching products between a " Store Card '' and a " VISA Rewards card '' misleads consumers into thinking there is a single card. These are separate cards with different terms and different available rewards. I ended up with a card with less favorable terms than what I intended to apply for. This is a deceptive practice.
In both instances above, the deceptive practices are material misrepresentations resulting in real consumer harm that a reasonable consumer would fall prey to, and could have been easily avoided by XXXX.
Here is what needs to happen : 1 ) XXXX needs to do a better job of clearly and conspicuously describing its various credit card options to all consumers, regardless of which ad they click, at the point they are taking to the linked landing page. Had I realized I was about to apply for a Store Card and not the VISA card upon clicking the link, I would have been easily able to stop what I was doing and apply for the correct card.
2 ) XXXX needs to iron out a process with its card partners to cancel customer applications and transfer them without negatively impacting the customer 's credit history. This would also require XXXX provide customers with the appropriate " instant reward. '' I am pretty furious that this has happened, and feel like I'm a fairly well-informed consumer considering I work in consumer lending, so I can imagine the throngs of people who have had similar experiences. XXXX needs to change its deceptive practices immediately to cease hurting future consumers. I also want the additional {$10.00} reward issued to my account, as I mistakenly applied for an inferior product with inferior terms, for the sheer inconvenience of this poor customer experience.
For your review I have included some screenshots, but my ability to capture the complete customer experience was hindered by the fact that I now have an opened store credit card and have already ordered my item ( and do not want to create an additional order ).
|
| 10/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
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I have an existing line of credit from Synchrony Bank. In XXXX XXXX they issued an additional line of credit without my consent, and sent me a secondary credit card. This was advertised as a card to be used in lieu of the existing card, but was not, in fact, an equivalent credit product in that it differed in usage capabilities, consumer benefits, and XXXX 's.
I called the company directly and explained I wanted the additional line of credit closed and that I felt automatically opting-in customers was unethical. I asked the agent to confirm the additional line of credit had been closed and he confirmed this.
On XXXX XXXX, XXXX I signed back into my account and saw that XXXX lines of credit were still available. I initiated a chat session for help this time, in order to have everything in writing.
Allegedly, they have agreed to close the account, but in order to make them take action I had to use the magic words " official financial complaint '' before they agreed to take action.
Since Synchrony seems to have done this to a group of customers, I wanted this to be officially documented with the FTC. Here are the details of the chat interaction : XXXX PM : XXXX : Initial Question/Comment : Hello- I previously spoke with an agent about removing the XXXX that Synchrony took the liberty of extending without my consent. At the time, I was assured by the person I spoke with that it had been removed. Can you explain why this is still showing up when I log in to check my accounts?
XXXX PM : SystemSystem : Welcome to XXXX XXXX. Your chat may be monitored and recorded for quality purposes. A chat agent will be with you momentarily.
XXXX PM : SystemSystem : XXXX XXXX has joined this session!
XXXX PM : SystemSystem : Connected with XXXX XXXX. Your XXXX XXXX for this chat is XXXX.
XXXX PM : XXXX XXXX : Hello XXXX, thank you for contacting us today.
XXXX PM : XXXX XXXX : I 'll be happy to help you today.
XXXX PM : XXXX XXXX : XXXX I have the last XXXX digits of card number you are referring to?
XXXX PM : CustomerXXXX : [ redacted for privacy ] XXXX PM : XXXX XXXX : Thank you.
XXXX PM : XXXX XXXX : May I have XXXX minutes while I review your account?
XXXX XXXX : XXXX : Yes, and thank you.
XXXX PM : XXXX XXXX : Welcome.
XXXX PM : XXXX XXXX : Thank you for waiting. This seems to be taking longer than I anticipated. May I have another XXXX minutes?
XXXX PM : CustomerXXXX : That is fine. THank you for checking in.
XXXX XXXX : XXXX XXXX : XXXX thank you for being on hold. If you do't use the mastercard for XXXX days the account gets automatically closed.
XXXX PM : XXXX XXXX : If you activate the mastercard the old card will gets blocked automatically.
XXXX PM : CustomerXXXX : So why was it not closed immediately when I asked? When I asked for confirmation it had been closed, I was told it had. I explained to the agent at the time I felt it was an unethical business practice to have extended this ( regardless of whether or not it is a " replacement '' ), and was actually quite angry with Synchrony for this action.
XXXX PM : XXXX : ( just to clarify- At the time, I told the agent it was unethical ... in other words, I still feel this way ) XXXX PM : XXXX XXXX XXXX I am really sorry for the inconvenience.
XXXX PM : XXXX XXXX : Let me go ahead and see if I close the card for you.
XXXX PM : XXXX : Thank you- I would like to make clear that this is an official financial complaint that I have with Synchrony. I did not agree to that line of credit, and I would like it to be closed immediately.
XXXX XXXX : XXXX XXXX : XXXX, to close the XXXX you need to close the regular carecredit card.
XXXX XXXX : XXXX XXXX : I request you to not use the rewards card for XXXX the card gets deactivated automatically.
XXXX PM : CustomeXXXX : So, am I understanding that while your company was able to open a second line of credit ( without my consent ), you are somehow unable to close that line of credit?
XXXX PM : CustomerXXXX : That does not make sense, and this probably needs to be escalated.
XXXX XXXX : XXXX XXXX : XXXX, let me check once again.
XXXX XXXX : XXXX XXXX : Kindly bear with me.
XXXX PM : XXXX XXXX : XXXX I have the last XXXX digits of card number you wish to close XXXX?
XXXX PM : CustomerXXXX : [ redacted for privacy ] XXXX PM : XXXX XXXX : Thank you.
XXXX PM : XXXX XXXX : Please be aware once any care credit rewards XXXX XXXX account is closed it can not be reopened. If there is a balance on the account, payments are still required. XXXX would you like to keep your care credit rewards XXXX XXXX account open?
XXXX PM : XXXX : XXXX : I want to close the XXXX XXXX XXXX XXXX XXXX account that I never authorized in the first place.
XXXX PM : XXXX XXXX : We respect your decision XXXX.
XXXX XXXX : XXXX XXXX : I have processed your request XXXX. You will be receiving an email in XXXX to XXXX hours.
XXXX PM : CustomerXXXX : Thank you, XXXX. For your awareness, I have documented this chat transcript.
XXXX PM : CustomerXXXX : I appreciate your help resolving this issue.
XXXX PM : XXXX XXXX : Welcome XXXX.
XXXX PM : XXXX XXXX : Once again I am sorry for the inconvenience you faced.
XXXX PM : XXXX XXXX : Is there anything else I can help you with?
XXXX PM : CustomerXXXX : No, thank you for resolving this.
XXXX PM : XXXX XXXX : Thank you for contacting Synchrony Bank. We appreciate your business. Have a great day.
XXXX PM : CustomerXXXXXXXX : Thank you
|
| 12/23/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
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In XXXX of XXXX, I purchased XXXX aligners through XXXX XXXX XXXX, a dental services provider in XXXX XXXX, MO. The total price of treatment was approximately {$5500.00}. While I was sitting in the dentist 's chair, the provider told me that I could pay for my treatment by credit card or I could enroll in CareCredit, use their service to finance the treatment and receive a " 12 month interest-free '' promotion. I chose to finance through CareCredit as a result of the promotion. The dentist 's office manager took my driver 's license, filled out the application, and told me that I was approved. I recall looking at the CareCredit web site and reviewing my information to make sure that it was correct, but I did not enter the information myself and I was given no opportunity to review the terms of the agreement. I trusted the provider 's description of the promotional period as just that -- an offer to induce people to finance through CareCredit, the same as a typical credit card may offer interest-free promotions to new customers. When I contacted my provider to get a copy of the agreement, they sent me a copy of a sales receipt that included the promotional terms in fine print. However, the printed policy contradicted what I had been told and was only provided after the transaction occurred -- it is a receipt, not a contract.
I made payments for a year. I never received a physical card or paper statements even though CareCredit had the correct mailing address and I called them to inform them that I had not received anything after several weeks. The service rep I spoke with told me that they would send the card out right away, but it never arrived. Because I had no paper statements, and because CareCredit could not provide my account number over the phone, I made payments when CareCredit sent me a text with a link that allowed me to pay my bill without logging in each month. I did not pursue the paper statements any further and made payments as normal.
After 12 months, the " promotional period '' ended. In XX/XX/XXXX, CareCredit added more than {$2000.00} in interest charges to my account. When I noticed the increased principal upon going to make my payment for XXXX of this year, I called CareCredit to ask why my balance had increased. The company informed me that my promotional rate had expired and that they had applied the 26.99 % deferred interest rate associated with the promotion. Moreover, the interest rate was applied to the principal balance, as if I had made zero payments over the course of 12 months. I told them that I had not agreed to that interest rate and would not have financed with them if I'd known that the " promotion '' was deferred interest instead of no interest. The company told me that there was nothing I could do and that I owed them the full balance.
Since discovering the additional interest charges, I have called CareCredit on several occasions : twice on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have asked repeatedly for a copy of my agreement to the promotional terms under which they have charged interest. I have received varying answers. The first time I called, I was told that CareCredit does not store any documents pursuant to their agreements with consumers and they would need to request the documents from my dentist, which would take up to 60 days, during which I would be charged additional interest.
Later, a supervisor told me that I agreed to the promotional terms as soon as I applied for an account, even though that application was what they used to determine my interest rate and, even if I had been given the opportunity to review the terms of the agreement prior to applying, I could not have known what the terms were because there was not yet a defined interest rate. I asked him to confirm if my understanding was correct and he told me that it was. He then told me that nobody at CareCredit had the ability to waive any interest charges under any circumstances and that I owed the full amount.
The only other conversation of note with CareCredit was on XX/XX/XXXX. One of the customer service reps that I spoke to told me that she would file a complaint with the company on my behalf. As I understand it, that should prevent the company from charging additional interest until the complaint is resolved. However, I have not received any confirmation of the complaint and I am loath to take the company at its word.
When I was researching CareCredit, I discovered that the CFPB investigated the company and signed a consent decree with it in XXXX ( File No. XXXX, In the matter of XXXX XXXX XXXX Bank XXXX Carecredit LLC XXXX. The decree, most of which seems to still be in effect, outlines a range of conduct in which CareCredit and its providers engaged and from which they were prohibited from engaging in the future. Both Carecredit and my provider engaged in this conduct during their dealings with me, and that prohibited conduct is what drew me to deal with CareCredit in the first place. Moreover, the decree outlines a specific procedure that providers must follow when enrolling patients in the card. Specifically, they can not enroll consumers on their own. Rather, they must ask consumers to sign up directly and provide them with a toll-free phone number to do so. Then, CareCredit must follow an approved script that explains the terms of the promotion, after which the consumer can enroll. Neither CareCrediXXXX nor my provider followed this process.
|
| 08/30/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
|
A few years ago my husband and I went shopping at a XXXX store. It was during the Holiday season of XXXX so I believe XXXX. During the purchase, we were convinced to get a credit card in order to receive a discount. After much resistance I finally gave in and we decided to apply for one. I ended up qualifying for a card and received my discount on the spot. Afterwards the store clerk informed me that I would be receiving my actual card in the mail within a few weeks.
A few weeks passed after I completed my purchase and my card never came. I went back to the store and asked them about my card but the clerk assured me that I would receive it in the mail. She stated that it was probably being delayed because of the Holidays. I asked if I could make the payment in store and the clerk said it was n't necessary as I would simply make the payment to the credit card issuer. I listened to her advice and waited some more. XXXX came around and I still had n't received my card. I was now getting worried as I thought that maybe someone had stolen it and I should let XXXX know just in case.
I went back to XXXX and spoke with their customer service department. I informed them of my card that had never arrived. I asked if I could simply pay the balance as I just wanted to be done with everything but the representative refused to take any money. They informed me that they could n't take any money from me. I actually begged them to take my money and XXXX XXXX continued to refuse. To this day I am still amazed at how I had to beg someone to take their money and they would n't do it. All they did was give me a number to call. I tried for weeks and that number was never answered.
After so much fighting with XXXX I finally decided that I would stop stressing over something I had no control over and kept living my life. Unfortunately, when later that year my husband and I attempted to purchase a home we were denied because there was a recent " charge-off '' on my credit report. Sure enough when I asked the lender to whom or what for she told me it was for XXXX. Because I had spent so much time fighting them and had actually attempted to pay them in the past I did n't know what to do anymore. I decided to hire professional help. I went to a company called XXXX XXXX XXXX. After they heard what happened, they informed me that there were options available for me as the credit card issuer can not simply place something on my credit report without validation or legitimate reason. I decided to hire them and they assisted me with attempting to resolve the account.
At first, we disputed the charge-off with all three credit bureaus. After about a month, I received packages from all three credit bureaus stating that the account was verified as legitimately being owed. I took it to XXXX XXXX XXXX and they assured me that this was n't the end of their assistance. What they suggested is to call the creditor directly as the creditor was in clear violation of the Fair Credit Billing Act. He informed me and my husband to tell the creditor exactly what happened. We decided to call XXXX XXXX who is the bank issuing the XXXX XXXX credit card and spoke to a few representatives. This was on XXXX XXXX of XXXX. Ultimately the final representative we spoke to was a lady named XXXX. XXXX informed my husband that they had in fact received a mail return in the first billing cycle and charged-off the account because of it. When she asked for our home address, we provided it to her. XXXX admitted just as the prior representative who we had spoken with before being transferred to her that the address they had on file was not the address that I was providing them. That bothered me a lot considering I had lived at my address for 5 years and everything I had including my Driver 's license was listed at the address I provided to XXXX XXXX. It all started to make sense.
XXXX stated that she could in fact undo the charge-off and would gladly do so. She stated that she would undo the charge-off, remove late fees, interest charges, any codes in their system that says " I will not pay '' and remove all the negative history from XXXX of XXXX until now. I still have the recording. I thought everything was going to be fixed until several months later I still have n't received a credit card from them, I still have n't received a single bill, ans when I review my credit report again, XXXX XXXX is not only reporting a charge-off, but a charge-off for a much greater amount than before.
I do n't know what to do anymore, I 've done everything I could think of to try and get this fixed. It 's not my fault that the XXXX XXXX store wrote an incorrect address when I applied for the credit card even though my driver 's license and every other document I have only had the address I lived in. It also is n't my fault that I was not allowed to pay an account in store on numerous occasions or that the number I was provided to resolve this situation was a bad number and never worked. To this day I STILL HAVE NEVER RECEIVED A XXXX CREDIT CARD! Not to mention any bill. Even after I call XXXX XXXX with the aid of XXXX XXXX XXXX and provide them with all the appropriate information to send me a card, bill me and have this charge off removed, XXXX XXXX does not do anything that they promised. I am at the point where if this does n't get fixed I will have to sue as they have been preventing me from buying a house for almost two years now. Please help me.
|
| 12/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX CRIMINAL ENFORCEMENT This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found out your company used and authorize others to use my social security number for the purpose to obtain credit without my authorization. SYNCHRONY BANK/TJX COS failed to provide me with a copy of any express written authorization of OPT OUT NOTICE pursuant to 15 USC 6802, whereby SYNCHRONY BANK/TJX COS was authorized to disclose/divulge/share my social security number a/k/a credit card with any third party in any manner, as well as by means of communication, any information, documentation, data, property and the like in reference to me. SYNCHRONY BANK/TJX COS failure in providing authorization and OPT OUT NOTICE pursuant to 15 USC 6802 constitutes SYNCHRONY BANK/TJX COS are in violation of including not limited to XXXX XXXX XXXX XXXX. SYNCHRONY BANK/TJX COS possess neither express written authorization OPT OUT NOTICE pursuant to XXXX5 USC 6802, nor consent from me for using/ revealing /disclosing/divulging/sharing with any third party my social security number ( customer information of a financial institution ). Summary of rights of identity theft victim Pursuant to 15 USC 1681g ( e ) ( 11 ) Definition of victim, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. Pursuant to 15 USC 1681g ( e ) ( 1 ) ( B ) I am a victim of identity theft. I attached a IDENTITY THEFT AFFIDAVIT, FTC COMPLAINT, POLICE REPORT, DRIVER LICENSE AND SOCIAL SECURITY Please send me copies of the documents that you have in your files as of this date that you used to authorize your company to use and/or transfer my social security number to third parties. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used for authorization. If you do not have any documentation in your files that authorizes you to use or transfer my social security number then please delete the account immediately for fraudulent activity as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing the unauthorized use of my social security number on my credit report and distributing my social security number 3rd parties you are invading my privacy, damaging my reputation and credit worthiness. SYNCHRONY BANK/TJX COS knowingly and intentionally violated or knowingly and intentionally attempts to violate 15 USC 6821- PRIVACY PROTECTION for customers information by false pretenses. SYNCHRONY BANK/TJX COS disclosed to " Internal Revenue Service '' and " Credit Reporting Agency '' my social security number ( customer information of financial institution ) by making a fictitious statement by not providing the OPT OUT NOTICE to me and [ XXXX XXXX is criminally liable for a fine not more than {$5000.00} or imprisonment not than five year or both pursuant to 15 USC 6823 . TRUTH IN LENDING CRIMINAL ENFORCEMENT I entered a consumer credit transaction on or about XX/XX/2013. The deceptive consumer credit contract from XXXXYNCHRONY BANK/TJX COS in regards to this unverified alleged debt contains fraudulent statements like " borrower '' " lender '' and " loan. The above referenced alleged debt has been derived from fraud. Meaningful disclosure was not given at the time the consumer credit contract was signed which prevented me from making an informed use of credit pursuant to 15 USC 1601 ( a ). SYNCHRONY BANK/TJX COS failed to provide meaningful disclosure on the false, deceptive and misleading consumer credit contract because SYNCHRONY BANK/TJX COS did not disclose to me that I was the creditor as defined under 15 USC 1602 ( g ) ( 2 ). I was the card issuer meaning : I issued my social security number a/k/a credit card as defined under 15 USC 1602 ( l ) to SYNCHRONY BANK/TJX COS ] ( card holder ) . SYNCHRONY BANK/TJX COS ] ( card holder ) accepted credit card ( social security number ) which SYNCHRONY BANK/TJX COS ( card holder ) has used or authorized others to use for the purpose of obtaining credit. SYNCHRONY BANK/TJX COS such as by commission, omission and otherwise : ( a ) Failed to disclose meaningful disclosure of credit terms so that I will be able to compare more readily the various credit terms available to me and avoid the uniformed use of credit pursuant to 15 USC 1601 ( a ), SYNCHRONY BANK/TJX COS willfully and knowingly violated the Truth in Lending Act provision 15 USC 1601 ( a ), 1638 ( a ) ( 1 ), 1638 ( a ) ( 2 ), 1638 ( a ) ( 3 ), 1638 ( a ) ( 4 ), 1638 ( a ) ( 5 ), and 1638 ( a ) ( 6 ) and [ XXXX XXXX ] is criminally liable for a fine not more than {$5000.00} or imprisonment not more than one year or both pursuant to 15 USC 1611 ( 1 ) & ( 3 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Hello CFPB, Yesterday I reached out to you regarding Care Credit imposing a 70 % interest on my outstanding balance. My outstanding balance was {$2200.00} as of XX/XX/XXXX, but got charged an interest of {$1500.00} because no one at Care Credit or the provider 's office explained to me anything regarding their " promotional period '' purchase or how " accrued interest '' works. I was simply told I had a 0 % interest. Until yesterday I discovered a large sum of interest being charged to my account without my knowledge.
After discovering this, unable to fix the issue with Care Credit, being treated unfairly by Care Credit, filing a complaint with CFPB, I decided to quickly pay off everything I can to raise my credit score and be done with Care Credit as soon as possible. Yesterday on XXXX, I made a payment of {$5000.00} towards my outstanding balance, and today on XXXX, I made another payment of {$1500.00} towards my outstanding balance.
I received an email saying my payments were processed, however, Care Credit 's outstanding balance did not reflect my total {$6500.00} payment, so I chatted with a customer service agent to address this issue. During the conversation, the agent said she just released a payment of {$680.00} to my account. However, I never made any payment of {$680.00}! Prior to this {$5000.00} and {$1500.00} payment, I set up my account in auto-pay to withdraw {$500.00} from my account every month. I was never aware of any payment of {$680.00}, I never authorized Care Credit to withdraw an amount of {$680.00} from my checking account linked to the credit card!
I panicked and asked what is this {$680.00} because I have XXXX knowledge about this payment, and I did not give consent for Care Credit to withdraw {$680.00} from my bank account. I felt very unsafe about storing my bank account information with Care Credit, because yesterday I just discovered that they charged me an insane amount of interest of {$1500.00}, today I learned that they can take money out of my bank account without my knowledge or consent! Care Credit agent did not explain what the {$680.00} was for or how she came up with that number. Please see attached a full chatting history between me and the agent.
The agent was unable to explain the unauthorized {$680.00} payment she was clearing from my account and told me to call their customer service number. I called the customer service number multiple times, no one ever picked up the phone. When I demanded the live chatting agent to explain what the {$680.00} was, she disconnected the chat.
This left me no choice but to file another complaint with your organization against Care Credit. What I have experienced with this company is beyond disappointing. It was a terrible, horrifying experience. I felt scared for my financial information stored at this credit card company, and I'm losing faith in the financial system in general. I believe banks have a responsibility to safeguard people 's assets. On the contrary, Care Credit and their inadequate customer service dismissed customers ' questions, took customers ' money without their knowledge and consent, impose hidden fees and interests, do not fully disclose how their promotion works, and took advantage of customers who don't fully understand financial terms.
I looked up online and saw this article regarding CFPB 's investigation with Care Credit ( please see article pasted below ). I really hope/ beg you, please pass my information, experience and feedbacks to the highest level of management at Care Credit. I truly believe CFPB is my only hope to get my money back from Care Credit. I also truly believe that CFPB is the only voice we citizens have against these banks that take advantage of people. I really appreciate your help and everything you do for us.
-- -- - According to the CFPB order, since XX/XX/2009, consumers who signed up for the credit card frequently received an inadequate explanation of the terms. Many consumers, most of whom were enrolled while waiting for health-care treatment, incurred substantial debt because they did not understand how they could have avoided deferred interest, penalties, and fees. The CFPB began investigating CareCredit after receiving hundreds of complaints from consumers. During the course of its investigation, the Bureau found evidence of : Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredits limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue.
Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a 26.99 percent interest rate.
Poorly trained staff : Many staff members in the health-care offices, who were responsible for explaining the CareCredit agreement to borrowers, had received little or no training by CareCredit, and relied only on pamphlets. In interviews with CFPB investigators, some providers admitted that they were themselves confused by the deferred-interest card.
|
| 05/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
The purpose of this letter is to file a formal notification of complaint alleging numerous violations of the Consumer Credit Protection Act ( 15 U.S.C. 1601 ) on the part of CareCredit, in that CareCredit, aka Synchrony Bank is a " '' creditor '' '' by definition of 15 U.S.C. 1601-103-f ( Consumer Credit Protection Act. ) Care Credit charged back interest of 26.99 % when all payments were received on time via autopay and no promotional period was agreed to, no warning was given that this would even be a possibility on email paperless statements which I was encouraged to sign up for. They also inflated my original balance by XXXX and that is just the beginning.
I have requested THREE times that my original contract be mailed to me and was told to go to the CareCredit website which wont allow you to log in to anything but a page with their logo ( blank elsewhere ) but no way to access your account or contact them anyway other than by phone which is also nearly impossible.
The last time I called and spoke to a man about obtaining my contract so I could prove I never agreed to any promotional period OR interest rate of any amount, let alone 26.99 %, he said, I dont think Id be able to obtain your original contract. Convenient for them, BUT highly illegal and falls under Deceptive Trade Practices.
Care Credit charged illegal and exorbitant fees without any form of legal disclosure and has instituted retroactive " '' terms and conditions '' '' without proper notification, in violation of XXXX of the CCPA. - has provided such " terms and conditions '' in a format that appears to be a third- or fourth-generation unreadable photocopy consisting of print so small and faded as to be illegible. Ive had to take photos and enlarge them to read them. These are the first copies Ive received in one years time. They do not send email statements. Each time I ask to see my contract stating I ever agreed to their fraudulent terms, they merely send me blurry statements.
Care Credit has made it virtually impossible for customers to contact them about these very sudden, astronomical, and illegal charges by failing and/or refusing to answer telephone calls ( by placing the customer on hold for incredibly long lengths of time ) and by disconnecting them after lengthy hold times or when we request our contract, and by failing and/or refusing to provide any means on its web site of contacting CareCredit by email or any other means than an unanswered telephone line.
The minimum payment on the above account is {$72.00} per month which fluctuated constantly, leading to more confusion. This loan was granted at 0 % interest if paid within 24 months. The original loan amount was for XXXX for XXXX XXXX.
They have claimed I had a Promotional period that ended in XXXX, XXXX which is completely false. This was a 0 % interest loan.
I would never agree to paying 27 % interest in the first place. If I wanted to pay a ridiculously high amount of interest, Id have used my credit card at 15 %! I only agreed to use Care Credit because Id had a previous loan with them for XXXX XXXX a few years ago with the same terms 2 year note with 0 % interest.
Now, they suddenly charged me with 26.99 % back interest in the amount of {$470.00}, then an additional XXXX and XXXX deferred interest which makes zero sense. The amounts constantly change on the blurry statement copies they finally sent and no one at the company can, or will, explain why.
Original loan amount : {$1700.00} Statement : XX/XX/XXXX : {$2000.00} ( stating previous balance ) There is no previous balance.
They inflated my new balance by {$250.00} but then on a more recent statement they go back to the original loan amount of XXXX.
My new balance is suddenly {$1900.00} after paying on time through autopay for an entire year.
Statement XX/XX/XXXX promotional bal {$1400.00} + {$470.00} interest.
Statement : XX/XX/XXXX : {$1800.00} + interest of {$42.00} Since the beginning of this loan, I have paid each month, totaling {$740.00} which leaves a true balance of XXXX minus the XXXX interest they charged me last month which I will not be paying, making my correct balance {$950.00}. I intend to pay the original agreed upon debt, as I always pay my debts, but I will need to see my original contract. I did not sign anything and this loan was done over the phone at my doctors office as was the first loan I had with CareCredit in XXXX which was paid in full at 0 % on XX/XX/XXXX and with none of these illegal charges.
Because this company was sued and lost XXXX XXXX to over XXXX XXXX customers over the exact same behavior as Im dealing with, I demand to see my original signed contract. I will NOT pay any interest whatsoever, nor will I pay any late fees. I have been an accountant for over 35 years and would never agree to these terms especially with my good credit score and common sense. These deceptive trade and predatory practices are meant to prey on consumers who are either desperate or are completely insane. I fall into neither of these categories.
I am requesting legible copies of statements be mailed to me along with my original contract before they received any further payments from me. At a rate of XXXX current complaints and losing XXXX XXXX in just one of many lawsuits, I would think theyd have their act together by now and not be violating federal consumer protection laws.
Thank you for your attention to this matter.
|
| 05/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
Since discovering the unauthorized suspected hacking and/or cloning or duplication of my Synchrony Care Credit and duplication of my Synchrony PayPal card in XXXX to present, Synchrony has not followed either their contractual agreement to not allow for unauthorized cards without notifying me OR followed any of the Consumer Protection Laws filing a anti-money laundering suspicious activity reports. As shared with 2 other banks, FBI, IRS, Attorney Generals in XXXX, XXXX and XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX local and state police- I am certain reports were never filed because I would have been investigated as the crimes were conducted using identity fraud in both of these accounts.
1. In XXXX, my Care Credit card was resolved when Synchrony learned my XXXX for my XXXX XXXX was used to illegal transfer funds. The criminal had no idea the insurance check from XXXX for XXXX was in transit from my home in XXXX to Care Credit. Therefore, the hacked payments of XXXX authorized by me took 2 reports for you and I to know the balance was paid in full by a criminal who assumed their hack of the XXXX monthly payments would go to their account. Instead, the insurance paid XXXX in full and there would be no more than 3 payments of XXXX. However, I did not know this balance was paid. I found log in information for carecredit on my computer with an unrecognizable log in. In fact, I never set up an account page, just auto payments of XXXX from my XXXX XXXX XXXX to Care Credit. According to XXXX XXXX XXXX XXXX desk agents in XXXX, this is a common crime in laundering.
2. I was one of the first consumers to own PayPal for primary use on XXXX in XXXX.
My record is spotless and I actually ( age XXXX ) didn't realize it was a credit card, thought of it as a transfer funds for the longest time. Therefore, I have no record in 19 years of transferring funds to my PayPal, especially XXXX in and out of my XXXX XXXX XXXX ( now owned by XXXX ) to a PayPal card. I have no record, however, according to the teller at XXXX in XX/XX/XXXX, while under a restraining order, XXXX XXXX accessed and duplicated my PayPal to what I know suspect is laundering over XXXX. I asked the XXXX XXXX XXXX XXXX where did the money go? She said your PayPal. Please review my records. It did not go to me. However, I have submitted the dates and amounts using XXXX as shared by XXXX XXXX XXXX staff is Joint Venture ( XXXX ). Simply depositing funds in my individual account allowed the suspect access to my account. I lived in XXXX and was charged in XXXX, XXXX for a balance inquiry. I originally thought he took funds from my account, however, IT WAS ALL unknown deposits and withdraws to PayPay credit aka identity fraud or using my name to commit crimes. The police don't care, or help.
Beginning this horrendous hamster wheel in XXXX, XXXX XXXX ( location of XXXX XXXX ) told me to go to XXXX XXXX PD as I live there, stating the law recently changed. XXXX XXXX said XXXX XXXX was lying. Economic crime unit in XXXX XXXX, home of the criminal but also XXXX XXXX during tracked transactions, said they'd get back to me, but nothing. FBI agents in XXXX XXXX said, not much I can do. FBI XXXX- collectively ( there's ALOT more than Synchrony Bank ) duty agent and cyber crime expert said, " this is obviously fraud. '' XXXX XXXX responded that I am obviously the victim of crimes and should notify police. The chief of police in XXXX, XXXX said, " now you have to prove he was sitting in a chair in XXXX when he committed these crimes using your identity. '' XXXX. Without records from Syncrhony as to where my funds went, XXXX XXXX redacted with a mercant ID ending XXXX that is not my account. on XX/XX/XXXX XXXX was processsed to where. You can not redact my records from my account.
4. PayPal hired attorneys to serve subpoenas to recoup funds from consumers. I had to take a day off of work, go to court, present to a judge that I need records to see if I owe PayPal or they owe me given the XXXX of unauthorized transfers. The overburdened judge agreed. I would rather have relentless emails and phone calls than lawyers making money to cause more trauma, more loss to consumers when PayPal needs to release records IN MY NAME. Then, only then will anyone help me clear my name. This is clear laundering. Money in/out, no idea where it came from totaling XXXX from XX/XX/XXXX until XXXX XXXX when I closed the XXXX account before their merger. Fortunately, I have my records from XXXX. I've spent years asking XXXX XXXX XXXX, who blamed the merger, XXXX XXXX, blamed XXXX, The XXXX XXXX XXXX said there were crimes, go to the police. WITHOUT non redacted records I can not go anywhere.
5. I have a court date XX/XX/XXXX sued by Synchrony Bank. The attorney 's office needs to stop and Synchrony Bank most recently told me to tell their fraud XXXX, who said I benefitted. I HAVE XXXX PAYPAL account since XXXX. Please locate any and all accounts in my name used to commit crimes ( ID XXXX on statements ) from XXXX to present..
6. Send me a statement for court that we continue to identify my balance and your balance to me again as with Care Credit. You must look for accounts in my name, as it was either cloned or hacked. I have no record on my Care Credit or PayPal that matches what you found. You can't keep the records or not work with me and then send a sheriff to my house with a subpoena twice. Its awful and abusive.
|
| 10/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
I've been a CareCredit / Synchrony Bank customer in the past, having no issues in financing a medical procedure and paying it in full within 2 years -- interest-free! However, I closed the account afterward to eliminate extra credit lines.When it became necessary several years later to finance dental work, I eagerly signed up again for CareCredit. I put the account on autopay and wasn't concerned enough with checking my statements, as I trusted this credit provider and the two businesses where I provided the card information.
I would've previously recommended Care Credit to a friend, but certainly not after they signed me up for their " Card Security program '' without my consent or authorization. It looks like this is a very common scenario based on the numerous reports I see from others. They've promised I should see the refund within a week ( most of it -- their total promised refund is {$520.00} and some change ) but their behavior when I called in was sketchy and I thought it was worth bringing to the attention of CFPB as I'm sure there are many victims who are still unaware, and some who can not speak with this shady " protection '' business without having their calls disconnected. I also want to ensure I get my full refund, compensated further for my time in an ideal world, but at least the actual amount I am owed since we live in reality.
I noticed that I had strange charges on my statements for every single month I had been a card holder, with the charge increasing as the card balance did. Because the charges were initially unknown to me, rather than call the number listed on them, I directly contacted the Synchrony Bank Fraud Department on the night of Friday, XX/XX/XXXX ( PST. Saturday the XXXX in EST where CFPB and Synchrony Bank are located ) For any other consumers reading, I do live in a state where phone calls only require " one-party consent '' to record audio. This means the only person who needs to know about the ongoing recording is the person doing the recording. Please look up your state laws but I encourage you to record your calls if it's legal to do so. In some states you must have consent of 2 people on the call, which means a company like this must be informed of recording and then can hang up on you in retaliation.
I recorded this interaction and notified the representative before launching into my issue. She refused to help as the charges " came from the bank, '' told me she would have to transfer me to customer service. ( Hmm, so Synchrony is the fraudster? ) I reiterated that they were fraudulent and unauthorized, and after her debating with me the meaning of the word fraudulent, I told her I'd like to talk to a supervisor to have the issue resolved. She was very happy as this let her get rid of the call.
Surprisingly, rather than pull the old " send the caller back to the queue '' trick, she did transfer me to an Account Manager who seemed understanding and friendly, but told me she could only access the past 3 months of my account ( super strange, if true -- not only are you an Account Manager but you're part of the fraud department, and can not see all history on a card!? ). She said she'd be putting in a refund and cancellation request for those 3 months ( at this time I've seen nothing to confirm this ) but advised me to call the number on the statement during their business hours to see about a full refund. I thanked her and ended with some nice words as she did seem like she wanted to help. I notified this rep at the beginning as well that the call was being recorded, and no push back on her end.
My first call to their " Card Security '' department on XX/XX/XXXX, their automated system told me the calls " may be recorded. '' When the representative answered the phone, I did begin by letting her know I was recording on my end. She then disconnected the call. Seems sketchy, yes? That is the type of behavior you'd see from those technical support scammers, not from a legitimate business.
I called back immediately while continuing my recording. The representative that picked up this time, I asked him, " Is it true that these calls may be recorded? '' His response was, " Yes, for training purposes, we do record them on our end. Is there a reason you are asking? '' To which I said, " No, just curious. '' I could tell he was looking for a reason to disconnect the call, and because I'm protected under state law I saw no reason to be honest when answering that particular question from this dishonest company.
That representative did promise that they'd be crediting back {$520.00} ( a few dollars short of my total, but not enough to debate over ) and cancelling the " subscription '' effective today. He said within a week I should see the refund. I ended the call by asking him why they are permitted to record on their end but not the consumers. He said all he knew was they used it for training purposes but he wasn't allowed to speak about any other reasons. Interesting.
Summary of Charges : - {$20.00} on XX/XX/XXXX - {$19.00} on XX/XX/XXXX - {$19.00} on XX/XX/XXXX - {$18.00} on XX/XX/XXXX - {$18.00} on XX/XX/XXXX - {$18.00} on XX/XX/XXXX - {$65.00} on XX/XX/XXXX - {$63.00} on XX/XX/XXXX - {$63.00} on XX/XX/XXXX - {$61.00} on XX/XX/XXXX - {$78.00} on XX/XX/XXXX - {$82.00} on XX/XX/XXXX XXXX : {$530.00} My recordings are available to CFPB upon request. Synchrony Bank certainly already has them.
|
| 11/08/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
On XX/XX/XXXX @ approximately XXXX XXXX., I contacted Care Credit 's Customer Service ( XXXX ). Care Credit was used to pay for dental expenses with XXXX XXXX XXXX. Due to the pandemic and falling behind on my payments, Care Credit closed my account. I first requested Care Credit to stop the ACH automatic withdrawals from my XXXX checking account ending in XXXX. This request would stop the automatic payment of {$62.00} due on XX/XX/XXXX and payments thereafter. I disclosed to customer service of Care Credit, that I was rated XXXX XXXX XXXX XXXX XXXX XXXX and Unemployable by The Department of Veterans Affairs ( I am a XXXX XXXX XXXX, after serving in The XXXX XXXX ) I went on to disclose that a BVA judge gave me a retroactive date back to the year XXXX, which meant, I should've been receiving free dental care from The Department of Veterans Affairs from XXXX until present. As a result, I was in the process of submitting dental expenses/bills and medical bills I have incurred, that should've been covered by The Department of Veterans Affairs . Care Credit is one of the bills I was preparing to submit, to have The Department Veterans pay my outstanding balance. The representative advised, they would stop my ACH automatic withdrawals for XX/XX/XXXX and thereafter. I also requested Care Credit to send me a detailed statement, which would show my card was used to pay for dental treatment. I would then submit this to The Department of Veterans Affairs. The customer service representative advised, they would honor the request and I should expect to receive the statement within 7 to 10 business days. I thanked the representative for their assistance.
On Saturday, XX/XX/XXXX, I reviewed my XXXX checking account balance, as I always do to check for discrepancies and to stay within budget and I noticed an ACH withdrawal in the amount of {$62.00} posted on XX/XX/XXXX from Synchrony Bank, which is the bank Care Credit uses. I immediately logged into my Care Credit account/Synchrony Bank Account and noticed the {$62.00} payment posted to my Care Credit/Synchrony account on XX/XX/XXXX. I did not authorize this payment. I requested the automatic payments to be stopped and I am sure Care Credit received this request because I received the detailed statement I requested in the mail, several weeks ago. I immediately initiated to speak with a representative via Care Credit 's online chat, to have documentation of why they withdrew money from my account without my authorization ; however, the chat representative informed me, I needed to contact their Internal Dispute Customer Service. I requested the phone number to this department and the representative gave me the number ( XXXX ). On XXXX XX/XX/XXXX, at approximately XXXX XXXX., I did as advised and contacted CareCredit/Synchrony Bank 's Dispute Department and spoke with a female representative. I explained to her in detail, the aforementioned. The representative informed me, they have been experiencing technical issues, which may have been the reason my ACH request to stop automatic payments did not go through. The representative offered her apologies and stated she would transfer me to customer service, when I inquired about the {$62.00} refund back to my XXXX checking account. The dispute representative advised me, she would explain in detail to the customer service representative, the issue, so I would not have to explain everything again. I thanked her for assisting me and was transferred. A male representative came on the line, stating he was aware of the issue and stated that I would receive a check within 7 to 10 business days, for the {$62.00}. I inquired of the representative, why could the {$62.00} not be placed back into my XXXX checking account, the same way it was taken without my authorization. I did not want to risk the check being lost or stolen, especially during times like these with a lot of scamming going on during the pandemic. The representative informed me, that was information from their supervisor and manager. I requested to speak with a supervisor. The representative transferred me to a supervisor and another male representative came on the line. I inquired of him, the same question. The supervisor informed me, it was their company 's policy to send a check. I expressed this not being acceptable to me, because Care Credit/Synchrony Bank should be able to issue a refund the same way they took money out of a customer 's account. The supervisor showed no remorse and was unapologetic. Care Credit/Synchrony Bank has a history of this. It was several years ago with this same company, they charged over {$600.00} to my Care Credit card, signing me up for a security/fraud program with their company, I did not authorize. They had to end up re crediting my account for all that money they charged. How ironic, this company continues to commit fraud against their customers and charge extremely high interests, which prevents a customer from ever paying off their account. I regret my dentist office, XXXX XXXX XXXX, encouraging me to get this card for dental treatment. I needed to submit this complaint for others to be weary of Care Credit. If I had to do it all over again, I would've never gotten this card. Having this card has hurt my credit score, more than helped it. No matter how hard I have tried to pay it off. Care Credit 's high interest and deception, keeps you in debt with them.
|
| 04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX ; XXXX have Tendered payments thereto said creditors as of XX/XX/XXXX with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. In fact the first response I received was written on XX/XX/XXXX which is 13 days after it was received. And I did not receive it until XX/XX/XXXX making it 20 days.
False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was sent to me in the mail 21 days later written on XXXX XXXX was that they will not modify or delete my status report. And that my account now reflects the amount of {$1300.00}. However the bill I have when I submitted the tender of payment states that my remaining balance was {$1300.00}.
I do not have a contract with synchrony as they have stated in the document that was sent to me by mail. The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. The letter synchrony sent me states that I entered an agreement with them each time I authorized a transaction on the account. What does that mean? I do not have a credit card with synchrony to authorize any transactions. I was never provided with one. Furthermore, without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.
By law if the Tender of Payment is declined or rejected it must be returned to me along with legal and lawful reasons why they can not accept payment of said type. The document sent to me by synchrony states that they will not delete or modify my status report. I believe that it is there way of stating that they are not accepting my Tender of Payment however it was not sent back to me. And if the original Tender of Payment is not sent back five days after the corporation has received it then undamaged then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. It is left to be implied due to the amount of time given to said company/bank which is well passed the five day time to respond. Attached are the FDCPA laws.
The new law states " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83.
Therefore all are hereby notified that XXXX XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full.
Rather it has been over [ 34 ] thirty four days and nothing has posted as paid tendered or discharged and this disables me XXXX XXXX XXXX by way of doing business employment and living free. I have the United States Post signature as undeniable delivery proof which is and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED!
|
| 04/03/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Account number ending in : XXXX The complaint is against Synchrony Bank. The purpose of the complaint is for committing fraud against me, lying. stealing my merchandise and money. The amount is XXXX dlls. I bought a music player ( XXXX ) back on XX/XX/XXXX from XXXX XXXX on XXXX. The payment method used was Paypal Credit which is provided by Synchrony Bank. XXXX XXXX initially had the producct for much higher price. XXXX XXXX had it roughly for around XXXX or XXXX USD ( don't remember exactly ) but he ended up making a good offer I couldn't resist. The seller ended up lowering the price between XXXX and XXXX dlls off the original price. Even though I had my doubts I felt such a good price would have made up for it ; that's why went along with it and finished the deal. Most probably it was my error for rushing into buying and now I'm paying the consequences. After the product finally arrived home I didn't use immediately and in fact I didn't have much use for it since it was only used for pleasure. Between 2-3 months later I started noticing issues with the device, but I thought it was like low battery or kind of thing since it didn't turn on. I don't have much knowledge about troubleshooting a device like this, I just notice it didn't turn on. It was acting funny and not functioning properly, so I decided to contact the seller to see if I could get a refund. The seller made so tiring for me to return the item. In fact he didn't wanted to take it, but after lots of convincing the best he could do was to refund me 50 % -60 % off the original value once I return it. I decided that wasn't proper because I paid the full amount for a functional item, not a defective one. Consequently I went ahead and open a claim with Paypal back inXX/XX/XXXX which was owned by a community bank. I provided all the required documentation and after they investigated they denied my claim saying that it was a warranty issue. I also appeal the claim afterwards where I provided proof of XXXX XXXX XXXX testing the unit and they found it defective. Paypal still denied my claim after providing this. This all happen back in XX/XX/XXXX. I should have gotten the money since then in my opinion.
Forward to year XX/XX/XXXX, The product was never used from years XXXX since it was defective. During two years I didn't knew to whom to go with, so that's why I never got in contact with any authority who could assist me with my issue. It was my lack of information which didn't open the doors to any company which could assist me with my issue basically. In the year XX/XX/XXXX i accidentally bumped with Syncrohny Bank/Paypal Credit. They told me they could open the claim on my behalf since paypal was not owned anymore by the same community bank in XX/XX/XXXX and now Synchrony has taken over. They added that me opening a claim with Paypal back in XX/XX/XXXX wasn't an issue. They considered themselves " the new owners '' of Paypal Credit and said they all owned all member accounts. They also told me there was not limitation as far as to when I could open my claim and that they would get my money back. I went ahead and open the claim back in XX/XX/XXXX. The claim was over the phone. Synchrohny told me I had to ship the item back with a tracking to the seller so I could receive my refund. i went ahead and shipped item with a tracking, insured, plus extended tracking, etc and paid XXXX dlls thru XXXX. This was out of my own pocket thru XXXX. I also faxed the proof of delivery to Synchrony where the seller signed once it was received, XXXX XXXX proof showing the item was defective and pictures of the item as a back up. The investigation took about three months total. After the three months passed I received a denial letter on XX/XX/XXXX saying they were not going to be issuing credit back since for 'quality ' issues of the product they only allow 180 days since the date of the purchase. If they had that 180 day limitation ; why did they told me to ship it back in the first place!? I was clear with them that the item was bought inXX/XX/XXXX and that in fact Paypal ( owned by the community back in XX/XX/XXXX ) denied my claim in XX/XX/XXXX. They never inform about the 180 day rule until they close my dispute with no help whatsoever. Once I received the denial letter on XX/XX/XXXX I called Synchrohny and spoke with a million of customer services representatives. Also, spoke with managers to discuss the decision on the letter and I was basically begging them to listen to me. They were also lying saying that they never told me to ship the item back, so I started reading to them the three letters where they in fact told me to ship it back. They shouldn't have people like this working at all. In the present I don't have the money nor the product as it was stolen by Syncrohny and XXXX XXXX. Finally, i want to include that the amount of XXXX was financed for 2 years and I finished paying that debt in full. The money ended up coming from my own pocket to cover that debt. This has taken over my mind causing a lot of anxiety and worrying to the point I feel depressive. I trusted this company during the dispute process and during all the time I had been with them just to end up noticing they just play me. If I knew this nightmare was going to happen I would have never gotten involved with this shady company. I have all documentation necessary to prove the case.
|
| 07/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
Dispute in response to a letter received from Synchrony Bank about closing my Synchrony XXXX and JCP Mastercard accounts as well as my 7 other Synchrony accounts that I have.
We refinanced our home at in XXXX and asked for bill payoffs in the process ( including my Synchrony XXXX for {$3900.00} and JCP XXXX for {$5800.00} ). The checks for the credit accounts ( other than the old mortgage ) were overnighted to us via XXXX on XX/XX/XXXX ( holiday weekend ) to mail to the creditors. The payment on both of my Synchrony accounts ( XXXX & JCP ) were both due on XX/XX/XXXX which we did not pay. This was because we closed on the XXXX and knew the balances were going to be paid in full based on the previous month ( XXXX ) statement. We thought that Synchrony would have received the checks directly from the lender before the end of the month. Immediately after the missed payment date. On XX/XX/XXXX, I received an email notification that my credit limits would be lowered on both accounts significantly ( Synchrony XXXX by {$5800.00} and JCP by {$2000.00} ). I thought this was a bit excessive for the first time missing a payment for an account that I had since XXXX.
On Tuesday, XX/XX/XXXX, I called and spoke with a representative on both accounts alerting them that I had the checks from the lender to pay off the balances and that I was mailing them to Synchrony to pay off those two accounts. The representatives said they could take the payment over the phone, and they took the information and processed the checks. However, on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( JCP ), I was notified by email that the payments were reversed on both accounts.
After that reversal of payment, I called JCP to let them know I was going to mail it again, but the representative said they would take the information again and resubmit as a phone payment. The did this for the JCP account and it was reversed a second time. My wife suggested to me that we should mail the checks because the obviously could not be processed that way and she took the checks to the post office that weekend on XX/XX/XXXX to mail them. My wife then contacted Synchrony on XX/XX/XXXX to let them know that she mailed the checks and to notate the account. Knowing the checks would take days to arrive and be processed, the representative stated they would expect to receive the checks in 7-10 days.
I logged in to see if the payments had been received/applied on Friday, XX/XX/XXXX about XXXX XXXX It showed that all 9 of my Synchrony accounts including the last three being opened just 2 months ago in XX/XX/XXXX. We called that morning and spoke with another rep who notated again that the full payments were mailed on Monday. She stated to us that the payments should not have been processed via phone payment if it was a third-party check. She stated that she could not do anything about closed accounts and had to transfer us to a manager. We explained the situation to the manager noting that the whole point was for us was to pay down some debt with Synchrony which was about {$10000.00}. She informed us that Synchrony has the right as the bank to review an account and make the decision to close it. She stated that Synchrony reviewed the accounts- with a missed and reversed payment, they decided to close the account ( s ). We totally understand the right of the Bank to do this, but this situation warranted a review by Synchrony for the reason for the reversed payments ( taking a third-party check by phone payment ). Especially considering we have never had a reverse payment and you know a check was coming for the full amount on these two accounts.
We asked the manager to have the previous recorded calls reviewed and a complaint filed on this issue. If the first representative would not have suggested taking the payment over the phone, we could have sent the checks overnight to you if that were required by Synchrony. We did not know what your policy was relative to a third-party check but that is why we called first. The manager stated that there was nothing she could do and that accounts are not re-opened.
We are just in total disbelief that a Synchrony would close all my accounts instead of just focusing on the two with the reversed payments especially when I have been in contact with you about the full payoffs. All my other accounts were in good standing and paid accordingly. We called back later that afternoon on XX/XX/XXXX and spoke with a different manager and was told that the complaint review process may take months up to two billing cycles. We are at a total loss as to how this happened so quickly and with a creditor that I have not had a negative payment history with over the previous years. The lowering of the total credit limits was not ideal, but we were ok with that because we knew the balances would be paid in full. However, to find out that Synchrony closed all my accounts was a huge shock to say the least. This decision not only limits my familys ability to buy needed things for our household, but it is one that could damage my credit majorly by the closing of all nine accounts at once which is huge part of my credit.
Finally, I received an email notification that the mailed payments have been received/applied for the JCP and XXXX XXXX accounts as of XX/XX/XXXX both showing a {$0.00} balance.
|
| 03/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
On XX/XX/XXXX I contracted for Medical services with XXXX XXXX XXXX ( XXXX XXXX XXXX ). During this time set aside a XX/XX/XXXX time of service for major XXXX XXXX XXXX due to intense and debilitating XXXXXXXX XXXX. During the XXXX visit to XXXX XXXX XXXX, I was offered an option to pay using a " promotional '' credit card service from XXXX XXXX ( Care Credit ) during this time the representative for XXXX office acted as representative for XXXX XXXXXXXX as to relevant Financial information provided for credit application and any disclosures. The total cost of services to be provided was {$12000.00} and this would be satisfied via {$1100.00} paid by me directly and of which i have attached evidence in addition to {$11000.00} credit granted by Synchrony - Care Credit as per the representative.
During the partial orientation, I was not fully disclosed and or a poor explanation of services was provided. Since English is not my primary language and I am not fluent in understanding same I asked for XXXX explanation. No XXXX information or disclosures were provided, I was not made aware or proper disclosure were not effected, in reference to any " Security Monthly Fees '' as well as I was not provided full disclosure of " Promotional Terms ''. An initial credit of {$11000.00} was provided by Care Credit for my procedure and on XX/XX/XXXX I received XXXX XXXX for XXXX XXXX.
As of XX/XX/XXXX I immediately began paying $ XXXX monthly which I did for over 12 months awaiting for XXXX XXXX to notify me via email or document that the promotional period was about to elapse and that a determined final amount balance was due prior to incurring in differed interests. By XX/XX/XXXX I had already paid electronically {$9000.00} of a total of {$11000.00} and was awaiting to receive final bill or any type of notification to process final {$2400.00} payment. This documentation or email should have been disclosed and or provided as of XX/XX/XXXX so I could have remitted final payment.
Since I am not either fluid in English nor computer literate, I tried to contact Synchrony Care credit but never received any information or disclosures. In XX/XX/XXXX and XX/XX/XXXX I noticed that my bank was continued to be drafted and when I contacted Care Credit In XX/XX/XXXX I was told that my balance was {$5000.00}. I requested to speak with someone in XXXX and XXXX came on the phone and mentioned that even though I had already paid over {$10000.00} out of a total of {$11000.00} balance which should provide a balance left of {$900.00} to satisfy account, that I had a new balance of {$5000.00} which Included " SecuirtyFees '' and " Loan Deferment Fees '' based on an initial loan promotion plan. I mentioned to XXXX that I was not made aware of any Crerdi Card Secruity fees at contract and I had not approved of samewhich total over {$1700.00} nor was I ever either provided or disclosed about promotional program information for final payment as of XX/XX/XXXX -XX/XX/XXXX. After having been paying $ XXXX/month and completed {$9000.00} by XX/XX/XXXX it is evidently clear my intention was to pay in full for credit provided prior to any deferment period expiration, but since Synchrony never informed me of final balance I was duped into believing that a a final bill would be issued for final payment which never came, either in the mail or through email.
Its unfortunate for me being a XXXX and quasi XXXX individual who's language is not English and has limited understanding of the language to be defrauded in such a manner by Synchrony -Care Credit and its representatives from medical office who acted on their behalf offering their advertised financial services. If the individual representing Synchrony-Care Credit is not an officer or dully authorized representative it is the responsibility of Financial Service Provider ( Care Credit-Synchory ) to provide written documentation and disclosures as to contract and to include the language of debtor.
Finally, I was not provided financial documents in writing, no disclosures were given, verbally or in writing as to " Credit Card Security fees '' and no final balance documentation or statement was provided to notify of Loan Deferment Program end and or final balance to satisfy account. My actions have always been demonstrated clearly as I have paid in time and with intent of satisfying account prior to 12 on the expiration yet I was never provided proper discourse nor balances documentation that could allow me to satisfy total balance. I requested Synchrony to intervene and correct this situation but they have failed to do so I am interested in paying reaming {$900.00} balance to complete my {$11000.00} total debt for which I have already paid in excess of {$10000.00} and would appreciate CFPB and FTC intervention so this type of situations do not happen to the XXXX and people who do not understand English. I believe Synchrony-Care Credit, as a Financial Institution, has fiduciary responsibility to have notified me of final balance information as well as provide all and full disclosures to consumers. Synchrony-Care Credit did not hold its fiduciary responsibility in this case and is harming me by trying to collect in excess of 38 % usurious interest rates using hidden, undisclosed fees and deceptive practices violating FDUPTA.
|
| 10/28/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Between the dates of XX/XX/XXXX and XX/XX/XXXX of this year, I called Synchronicity Bank, connected to PayPal, to request an extension on XXXX 's due date. I did so, because I did not have the funds available at that moment, but to inform them that I would receive another check on or before XX/XX/XXXX, and as soon as I received payment, I would call and make my payment.
The agent thanked me for calling, said he noted the account, and instructed me to call back, after I make my payment, and any late fees or penalties would be removed.
On XX/XX/XXXX, I received an e-mail from PayPal, thanking me for my XXXX payment. I balked at this, knowing full well I have no overdraft protection, nor funds available, so I surmised the e-mail an error.
On XX/XX/XXXX, I received a call from PayPal, asking me if I would like to make a payment. I responded that I had made arrangements to pay on or before the XXXX, or as soon as I had funds available. The agent claimed PayPal has every right to try to collect this debt. I said I understood, rights, but I had made an agreement to pay on a specific date. Since that date had not yet arrived, I found the call obtuse, ignoring the previous agreement to pay on or before the XXXX. The agent apologized, but offered nothing else for bothering me on a Saturday, for no reason.
After completing my outdoor tasks, I set to my computer to see if I had funds available in my bank. I did, but also found that I was missing funds. I made my payment to PayPal, and then called back to report this, and report that PayPal had made two attempts to access my account without my authorization.
Over the course of several phone calls PayPal claimed that 'I ' set up the autopay function on XX/XX/2020, and then later claimed that I did so on XX/XX/2020. When I make a change to my account, PayPal sends me an e-mail notifying me that a change was made. I have no record of ever receiving an e-mail verifying that I set up autopay on XX/XX/XXXX or XX/XX/XXXX. I told the last agent I spoke with that I DID turn the autopay on last week, then immediately back off, to demonstrate that a an e-mail receipt is created, and it was. I requested that a copy of the XX/XX/2020 e-mail, verifying I set up autopay on that day, but was told they could not do so.
As my normal MO, I do not set up autopay functions, as I make {$880.00} a month, and often times my account has {$0.00} even a few days after I am paid.
Synchronicity Bank 'claimed " I did so on XX/XX/XXXX, which made no sense, given I called only a week earlier to inform them I would not be able to make my XXXX payment. Synchronicity Bank then 'claimed " I did so on XX/XX/XXXX, but my records show only this e-mail from them on that date : Hello, XXXX XXXX PayPal Credit Your No Interest if paid in full in 6 months purchase Thanks for using PayPal Credit for your purchase on XX/XX/2020.
With this purchase, you'll enjoy No Interest if paid in full in 6 months.
Interest will be charged from the date of purchase at a variable Annual Percentage Rate ( APR ) of 23.99 % if you do not pay the promotional purchase in full in 6 months. This APR will vary with the market based on the prime rate.
How to avoid interest charges and late fees To avoid paying interest on this promotional financing purchase, be sure to pay the full balance of this purchase within 6 months. If you dont, interest will be charged to your account starting on the date of this purchase.
Minimum monthly payments are required with this promotional financing offer. To avoid paying late fees, be sure to make your required minimum monthly payment each month before your payment due date on your statement.
Log in to manage your account.
Manage Account You can cancel this promotional financing on your purchase by calling us at the number below.
Questions?
Give us a call at ( XXXX ) XXXX Monday-Friday, XXXX XXXX - XXXX XXXX ET and Saturday-Sunday, XXXX XXXX - XXXX XXXX ET.
PayPal Do not reply to this email. We are unable to respond to account inquiries sent in reply to this email.
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov.
This email is not for marketing purposes ; it contains information about servicing your account. If you previously opted out of marketing communications from us, those preferences do not apply to this email.
The PayPal Credit account is issued by Synchrony Bank.
PayPal Credit is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX Due to the many failures, I was told that I would be refunded the late fees incurred at my bank, that all fees and penalties would be waved, and that the next month 's payment would be postponed without further fees or penalties.
Instead of returning the {$70.00} to me, my bank, or my PayPal account, my credit account was paid, leaving my bank short on the funds promised. So instead of return the funds, they simply took next month 's payment 30 days in advance!
I did NOT set up autopay. I called to inform PayPal 's bank that I would not be able to make a payment in XXXX.
Synchronicity Bank accessed my account TWICE without ANY authorization, after being explicitly informed and agreeing a postponed due date.
|
| 09/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
My ongoing issues are with Pay Pal Credit ( now owned by Synchrony Bank ). The problems started when Pay Pal Credit merged into Synchrony Bank ( sometime in XX/XX/XXXX ). I have a number of staggering 6-month promotional financing purchases - staggered meaning they mature on subsequent due dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also have a 24-month promotional financing purchase ( called an XXXX XXXX purchase with a " fixed '' monthly payment amount ). In my case, the purchase was on XX/XX/XXXX for {$710.00} which ( when Pay Pal Credit was actually Pay Pal Credit ) equated to {$29.00} per month. So, all of my payments have been based on this amount up until Pay Pal Credit ( now as Synchrony ) told me in XXXX that it is actually {$29.00} per month rather than {$29.00}. Anyway, any reasonable person would understand that with a 24-month fixed XXXX XXXX plan, that after 9 payments of {$29.00} ( or {$29.00} ), the remaining balance on the {$710.00} original purchase SHOULD BE {$440.00}. Instead, the balance is {$370.00}. Here is the first and biggest issue : Since XXXX, I have been making monthly payments of {$120.00} ( and now {$120.00} after Synchrony changed the minimum on the XXXX XXXX balance ). Instead of applying the {$29.00} fixed amount portion to the XXXX XXXX balance and the remaining {$100.00} towards the nearest dated ( XXXX ) promo balances, they have IGNORED the XXXX balances and applied the excess amount to the farthest dated 24-month promo balance!!!!! Please note that Pay Pal Credit originally informed me that I have to make the payment online and then subsequently call in to have them allocate the {$100.00} portion to the nearest dated items. This was fine until Pay Pal Credit became Synchrony, Since XXXX, they have not been able to resolve this issue after repeated calls - sometimes several times within a week and two times talking to supervisors. Synchrony told me they could not fix the XXXX payment allocation but only from XXXX forward ( and I have requested the allocation after EVERY payment ). As of XX/XX/XXXX, I had 3 promo purchases due on XX/XX/XXXX totaling {$320.00}. After 2 payments of {$120.00} ( due XXXX and XXXX ) and 1 payment of {$120.00} ( due XXXX ), {$300.00} of those payments should have been applied to the promo balances maturing on XXXX, leaving the remaining balance of {$24.00} ( {$320.00} - {$300.00} = {$24.00} ). Despite my repeated calls and requests for them to fix this, I have a remaining balance of {$100.00} which makes no sense ( let me note that on XXXX, it was showing {$94.00} and then mysteriously went up to {$100.00} - I will explain this nonsense in a minute under ISSUE # 2 ). They partially fixed it but not completely fixed it. That is ISSUE # 1. I am now forced to pay a much higher balance on XXXX despite my telling them how to allocate MY payments. Here is ISSUE # 2. On XX/XX/XXXX, I made a purchase on XXXX for {$100.00}. The total was {$100.00} ( eBay split the payment into {$100.00} for the item and {$8.00} separately for OK state tax ). This went to my PayPal credit as a 6-month promo balance with a due date of XX/XX/XXXX. The item was defective and I returned it. On XX/XX/XXXX, {$100.00} and {$8.00} was credited back to my PayPal account ( different than Pay Pal Credit ). However, I noticed after my XX/XX/XXXX payment, that oddly {$100.00} only was refunded to my Pay Pal Credit and the {$8.00} tax portion was still showing as a promo balance!! I called Pay Pal Credit and they agreed that they could see the {$8.00} tax portion refunded to my PayPal account but it disappeared and had not been applied to my Pay Pal Credit account to refund the {$8.00} promo balance. After a few days, I checked to see if it got resolved. You won't believe this. So, they wiped out the {$8.00} promo balance and brought it to {$0.00}. Instead of leaving it resolved, they ADDED the {$8.00} to my remaining incorrect promo balance due on XXXX!!! It went from {$94.00} up to {$100.00}!!! When I saw the balance had gone up mysteriously, I did the math and figured out that they just moved the {$8.00} to the XXXX due balance when this refund amount that should have been applied and gone away!! I called to complain about this and talked with a supervisor. I AGAIN mentioned that I should only owe {$24.00} ( rather than {$94.00} ) on my XXXX promo balance and that the {$8.00} should have been refunded to my credit account rather than sneakily moved to the XXXX balance. He promised to resolve this and said he fixed it while on the phone. Unfortunately, instead of applying it towards my XXXX balance where it was incorrectly applied, he adjusted a different ( further dated ) promo balance due on XX/XX/XXXX!!!! Here is their trick : They apply everything to the furthest dated balances EVEN IF YOU ASK THEM TO ALLOCATE YOUR PAYMENTS TO THE NEAREST DATED BALANCES!!! I make an online payment and call after to ask them to allocate it to the nearest-dated balance ( 6-month promo balance ). They don't do it! They instead reduce the far-dated ( 24-month promo balance ). They pulled the same trick with the {$8.00} balance by pretending to refund it but deceptively and cleverly adding it on to my XX/XX/XXXX due balance!!! This is seriously deceptive, unfair, and possibly abusive.
|
| 11/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Originally had and enjoyed using a credit card from Toys-R-Us, when they went out of business a Synchrony Bank credit card was issued to us without our requesting it ( XXXX approx ).
Card was NOT needed, we used it to purchase Toys for grandkids, and now was not useful to us, destroyed issued card. Original card number issued was XXXX acct.
XXXX XXXX, XXXX started receiving bills to pay {$13.00} owing ( card never used! ) : ( billing dates XX/XX/XXXX thru XX/XX/XXXX due on XX/XX/XXXX ( bill ) for purchase on Amazon XXXX XXXX XXXX AMZN.COM/XXXX XXXX for {$14.00} *XX/XX/2020 bill shows previous balance of {$13.00} with purchases of {$14.00}, fees charged {$13.00}, and interest charges {$0.00} : New balance of {$41.00} as of XX/XX/XXXX ), ( billing cycle XX/XX/XXXX thru XX/XX/XXXX ) XXXX XXXX, XXXX bill shows " new balance '' of {$14.00} after noting XX/XX/XXXX refund of late fees -- {$13.00}, XX/XX/XXXX adjustment-purchases - {$14.00}, XX/XX/XXXX interest charge - {$0.00}, balance transfer of {$41.00} ; interest charges of {$0.00} ; a balance owing of {$14.00} due on XX/XX/XXXX.
XXXX XXXX, XXXX bill shows new balance of {$28.00}, showing previous balance of {$14.00}, late fee of {$14.00}, and interest of {$0.00}. Notes show XX/XX/XXXX " pending claim ''. Online showed " last payment of {$5800.00} on XX/XX/XXXX ''. NOTE : never used card, never made ANY payment on this account. something is really messed up with their accounting!!! XX/XX/XXXX they told us to " disregard '' the fraud problem after speaking with them via phone call. ( XXXX ; XXXX XXXX ) XXXX XXXX, XXXX bill showed new balance of {$14.00} due on XX/XX/XXXX. Wondered what " disregard '' meant about fallacious balance here?
XXXX XXXX, XXXX bill started all over again showing previous balance of {$14.00}, fees charged of {$14.00}, and interest of {$0.00} for a new balance of {$28.00}. On XX/XX/XXXX made ANOTHER call at XXXX XXXX to XXXX at Customer Service about FRAUDULENT ACCOUNT, then handed off to XXXX ( Dept of Collections ) regarding account. He referred us to the {$5800.00} payment indicated was made on XX/XX/XXXX concerning what they had for activity on the card. XXXX said would remove account, and notify credit bureaus to remove negative report. NONE OF THAT WAS DONE!
XXXX XXXX, XXXX bill still continuing like NOTHING was done ; previous balance {$28.00} and {$0.00} interest payment ; new balance owed of {$29.00}.
XX/XX/XXXX : one week reminder, owe {$28.00} due XX/XX/XXXX XX/XX/XXXX : owe {$28.00} due by XX/XX/XXXX XX/XX/XXXX : owe {$28.00} due by XX/XX/XXXX XX/XX/XXXX : owe {$28.00} due by XX/XX/XXXX XX/XX/XXXX : survey about our phone call to Synchrony regarding account we have never used or charged anything on.
XX/XX/XXXX : same as above, another survey XX/XX/XXXX : " Closed XXXX account at our request and we owe {$28.00}.???
XX/XX/XXXX : {$29.00} owed by XX/XX/XXXX demand XX/XX/XXXX : {$29.00} owed demand XX/XX/XXXX : {$29.00} owed demand XX/XX/XXXX : {$29.00} owed demand XX/XX/XXXX : {$29.00} owed demand XX/XX/XXXX : Synchrony acknowledged FRAUD CLAIM XX/XX/XXXX : Missed payment demand {$29.00} owed XX/XX/XXXX : {$29.00} owed demand XX/XX/XXXX : {$29.00} owed demand XX/XX/XXXX : Synchrony APPROVED FRAUD CLAIM for XXXX claim XX/XX/XXXX : {$29.00} owed demand XX/XX/XXXX : {$29.00} owed demand XX/XX/XXXX : {$29.00} demand, XXXX week overdue XX/XX/XXXX : {$29.00} demand XX/XX/XXXX : {$29.00} demand, overdue XX/XX/XXXX : Spoke with XXXX in Customer Service, cancelled card again!
after XX/XX/XXXX : received NEW card in mail, after we told them to CANCEL the account!
XX/XX/XXXX : {$29.00} demand, overdue XX/XX/XXXX : letter acknowledging closing account XXXX at our request XXXX how many times do we have to do this? ) XX/XX/XXXX : {$29.00} demand, overdue XX/XX/XXXX : {$29.00} demand XX/XX/XXXX : {$29.00} demand XX/XX/XXXX : {$29.00} demand XX/XX/XXXX : " Please contact us regarding payment '', owe {$29.00} XX/XX/XXXX : Cancelled Card again, opened claim for unauthorized activity ( again ), they were to notify credit bureaus, etc ( heard this story several times before ) talked to Fraud Solutions Team XXXX ) XX/XX/XXXX : Approved FRAUD CLAIM ( XXXX ) XX/XX/XXXX : Denying FRAUD CLAIM ( XXXX ) siting : Payments made by you ( never used card, never made a payment, this was card issued to us without our request after they cancelled the first card! which was never used!! XXXX, said card was activated by number belonging to you ( we still have that card in envelope, never activated, never used! ), and site purchases made with card, when FRAUD activity was initiated with former card, not this one!
This Bank needs to be removed from XXXX XXXX. They are so messed up, don't know how they're doing business. We have made in excess of 20 phone calls, told many times it would be taken care of and removed from any negative reporting, all of which doesn't appear to have been accomplished or even attempted. This started evidently in XXXX, and didn't become " visible '' to us until XX/XX/XXXX. We want this resolved, and everything CLOSED regarding any accounts and contact with this bank! This has been absolutely and remarkably XXXX to have to go through, this bank should face reprimands for their LACK of PROFESSIONALISM and SERVICE.
|
| 06/06/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On or about XX/XX/XXXX, I called Synchrony Bank TJX Rewards Credit Card customer service regarding my account ending in XXXX that the bank had closed without my knowledge and prior notification to this effect on XX/XX/XXXX. I requested the account be re-opened stating reasons of improper or lack thereof of proper notification. The agent advised that my account could not be re-opened. The agent did not provide any valid reason ( s ) as to why my account could not be re-opened other than to say that it was Synchrony Bank 's policy not to re-open accounts that had been previously closed. The agent told me I would have to re-apply for a new line of credit. I told the agent that I was still in possession of my TJX Rewards Credit Card but had stopped using to avoid incurring more debt while I worked on other aspects of my financial plan to increase my FICO score alongside the assistance of a financial counselor. In addition, I gave reason ( s ) including the fact that I had been an avid shopaholic across all associated stores, both in-store and online including TJ Maxx, XXXX, XXXX, and XXXX XXXX XXXX for over four years prior to applying for the TJX Rewards Credit Card in XXXX. I was advised by my financial counselor that it was possible to have my TJX Rewards Credit Card re-opened upon request as my payment history with this credit card would positively impact my FICO score. When I realized I was getting nowhere with the agent, I insisted he provide me with an address to submit my request in writing. On XX/XX/XXXX, I wrote and mailed a letter addressed to Synchrony Bank General Inquiry Department XXXX. XXXX XXXX XXXX FL XXXX as advised by the agent I spoke with via USPS first class registered mail.
On XX/XX/XXXX, I received a phone call and an email with a link to view a secured message from Synchrony Customer Service. The letter stated it may take two billing cycles to receive a response. However, On XX/XX/XXXX, I received a letter signed by the corporate specialist that stated Synchrony Bank was unable to honor my request to re-open my TJX Rewards Card Account ending in XXXX. The letter further stated that once an account has been closed, it can not be reopened and I was invited to re-apply.
I am extremely dissatisfied with the company 's response to my request to open my TJX Rewards Credit Card ending in XXXX given a. ) My long standing loyalty as a customer dating back to XXXX prior to opening my account in XXXX ; b. ) The fact that I was never late and always paid my account balance in full every month for two years c. ) My TJX Rewards Credit Card Account ending in XXXX was closed without my knowledge and/or permission ; d. ) My TJX Rewards Credit Card Account ending in XXXX was closed without any notification of the bank 's intent to close and with the bank 's full knowledge of my phone number & mailing address at that time ; e. ) My TJX Rewards Credit Card Account ending in XXXX was in good standing at the time of closure with no balance ; f. ) Prior to closing my TJX Rewards Credit Card Account ending in XXXX, I had received communication by mail from Synchrony Bank that it was reducing my credit limit from the initial {$500.00} at the time the account was opened to {$300.00} at the time the account was closed. No reason ( s ) were stated in the letter as to the bank 's decision to suddenly reduce the established credit limit amount within a short time span of my opening my TJX Rewards Credit Card Account ending in XXXX. In spite of the unlawful decision to reduce my credit limit, this written communication from Synchrony Bank serves as proof that it could have contacted me prior to closing my TJX Rewards Credit Card Account ending in XXXX. Their failure to do so and subsequent refusal to re-open my account is cautionary g. ) Synchrony Bank 's discretionary decision to reduce my credit limit from {$500.00} to {$300.00} negatively impacted my FICO score with respect to credit utilization in the years that I was using my TJX Rewards Credit Card Account ending in XXXX h. ) Synchrony Bank 's discretionary decision to reduce my credit limit from {$500.00} to {$300.00} was unlawful especially as I was paying off my balance in full every month for the duration of the time the credit card was actively utilized.
i. ) In spite of the aforementioned challenges I faced with my TJX Rewards Credit Card Account ending in XXXX - insufficient & inadequate credit limit and credit utilization, I always had a XXXX account balance prior to the end of each billing cycle i.e. XXXX of each month and prior to minimum payment due date on the XXXX of every month.
I was unable to attach the last statement received for my TJX Rewards Credit Card Account ending in XXXX that was generated XX/XX/XXXX due to 10MB file size limit. I had requested and received a copy via USPS on XX/XX/XXXX. I am attaching the interim response and final response I received from Synchrony Bank and my appeal letter requesting that my TJX Rewards Credit Card Account ending in XXXX be re-opened so as not to lose out on 6 years of full on-time payment history I have had with Synchrony Bank.
I look forward to a favorable response to re-open my TJX Rewards Credit Card Account ending in XXXX upon careful consideration of the aforementioned facts.
|
| 03/12/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My HSN ( Home Shopping Network ) account was hacked back in early XXXX of XXXX.
The hacker gained access to my HSN account and used my HSN Synchrony credit card that was on file, and purchased an XXXX XXXX XXXX, XXXX. This was obviously an unauthorized purchase / transaction. The purchase date was XX/XX/XXXX, and the HSN order number was XXXX. I found out about the unauthorized purchase after receiving a Synchrony Credit Card bill for {$970.00}. I immediately contacted HSN and filed a fraud complaint. HSN took all of my information and indicated they would take care of the problem. I ended up receiving another Syncrhony credit card bill, and I contacted HSN immediately again. I was then told that I needed to contact Synchrony Financial because they are the ones that are holding the debt.
I will provide all the details on what all has transpired with Synchrony, but in short, they are not accepting my fraud claim ( s ). I have filed 5 ( yes five ) different fraud claims and they simply provide back the same response indicating either or both ... '' the merchandise was delivered '' and/or " I participated in or benefited from the purchase ''. Both of these responses are completely false, as explained further below. I also filed a police report with XXXXXXXX XXXX XXXX Police Department ( case # XXXX ). The investigating offers were XXXX XXXX and XXXX XXXX on the report. XXXX phone number XXXX. All of the police report information was provided to Synchrony Financial as well.
There are some very strange things that transpired with the so called delivery of the package by XXXX, which I have brought attention to in all of my Synchrony fraud complaints and documentation, however Synchrony has never provided any investigative details or information regarding my specific concerns and comments. Synchrony financial simply responds with the same brief form letter and same brief responses.
In addition to my HSN accounted being hacked, this is also what has transpired.
According to XXXX, the item/package was delivered to our residence on XX/XX/XXXX at XXXX XXXX. XXXX indicates it was an " Inside Delivery '' and package was " Received by '' a person by the name of " XXXX XXXX ''. We know nobody by the name of XXXX XXXX. My wife, XXXX children, and myself were home that evening. Our XXXX camera never went off, and we never received any XXXX notifications about activity or motion ( ie. package or delivery person ). The doorbell never rang. Again, we know nobody by the name of " XXXX XXXX ''. We certainly do not have strangers in our home accepting packages. XXXX said it was an " inside deilvery '' and was accepted by a person we have never heard of ( XXXX XXXX ). I have screenshots of alot of this information that I downloaded off of he XXXX website. I also have some copies of prior fraud forms I have provided Synchrony Finanical. This is ALL completely inaccurate information that was captured in the XXXX system regarding the delivery. All of the information about the delivery is inaccurate, and I have conveyed all of these details, via signed affidavit to Synchrony Financial via their fraud forms on 5 separate occasions now. I have come to find out that XXXX delivers packages to the wrong address fairly frequently, and the actual address of where the package is delivered is not always updated in the system. XXXX does not take pictures of the delivered packages, however XXXX does. If XXXX would have simply taken a picture of the delivered package, I would not bee in this mess.
Despite the HSN account Fraud, and all the aforementioned strange details about the delivery having been conveyed to Synchrony, they continue to ignore it and do nothing. I actually don't think they are doing any investigation whatsoever, despite them responding and saying ... '' after concluding our investigation ''. It is all just words with no real action behind it. They are merely hanging there hat on the inaccurate information that the package was delivered to hour home according to XXXX. Had it been, it would have been returned ASAP to avoid having to pay the {$970.00}. I should not have to pay for something I did not order, or even receive in this case. Absolutely ludicrous.
I am XXXX years old and have never had an upaid bill or bill collection in my entire life. I am not a criminal and do not have any kind of a criminal background or record whatsoever. This entire situation has been completely frustrating, time consuming and tremendously upsetting. I will gladly participate in any discussion, questioning, polygraph, arbritation, or court preceeding regarding this matter... .and so will all members of my family. If we need something, we buy it, legally.
Please help me with this. I need more than just somebody helping me to get them to respond. They will respond. That is not the problem. The problem is they are not listening to me or understanding all the crazy things going on with the order and delivery. I feel like I am being bullied by Synchrony Financial and taken advantage of. This should not be happening like this. I tried to actually get a local news channel to interview me and do a story on it but they were not interested. Apparently it was not big enough of a local story.
Best Regards, XXXX XXXX XXXX
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| 06/08/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I opened an Ashley Advantage credit card at my local Ashley Furniture home store in XXXX, Florida back in early XXXX. The financing was through Synchrony Bank. I purchased a living room set to furnish the apartment that I would be moving into. I paid this set off before the promotional offer terms ended and went back to purchase a bed months later in late XXXX. I ended up paying the bed off early too, and wanted to take it easy for awhile on monthly furniture payments until I was in need of another purchase. So, I waited until I moved back to my hometown in XXXX to try and purchase a new bedroom suite . I attempted several purchases online with my Ashley Advantage card financed by Synchrony Bank. I had zero luck, thought maybe it was as a system error online or poor internet connection and would try again later. Many major life events occurred in between the attempted XXXX purchases. I was confused as to why my card was not working and I figured it was because I hadnt used it in awhile. I called Synchrony bank to see if my account was still open and active and each month on my credit report that is exactly what it has reflected so I really didnt worry too much about it. Sunday XX/XX/XXXX I wonder if I can try another purchase as I was browsing online and found a dresser and rug that I really loved, an online only purchase. I attempt another time to make a purchase on the Ashley website. I get the same error as months and years prior. I immediately got on the Ashley customer service chat to start my investigation to see why my card STILL isnt working. I spent a huge portion of my night speaking to multiple chat agents, some helpful, some not. I reached out to Synchrony customer service via phone because the Ashley chat agents are pointing fingers at Synchrony. Following my Ashley Chats, I spoke with 2 XXXX people from Synchrony bank. I could hardly understand them and I could not even finish speaking before they felt it was necessary to cut me off by saying nothing is wrong and that its Ashley Furnitures fault. The next business day, I call the local Ashley store to try and make a purchase with a salesperson over the phone. She was happy to help me and starts paperwork until I told her it was an online purchase only and told me that I could not order items online through the store itself and that they couldnt assist me. I had to babysit my nephew that afternoon, so after he went home I drove down to the XXXX, FL store where I was greeted by the same sales person that spoke to me on the phone, XXXX. I requested politely to speak to a manager. I was directed to the middle of the store where an unkempt, unprofessional young woman was sitting at the desk with her vape and cell phone in plain sight. I did an internal sigh and was polite while explaining the situation. She seemed reluctant to help me, but she got on the phone which Synchrony bank for me to try and address the issue as to why I can not make any purchases on my credit card. I kept getting a payment option error or billing error. Both the Ashley store manager and Synchrony agent still can not detect an issue and still blaming each other. The manager suggest I update my billing address with Synchrony, so I left the store and sat in my car to make the changes. The automated system to update my information informed me changes would be effective immediately, but I wanted to wait at least 24-48 hours to give each system time to catch up with the billing address change. I called a live Synchrony agent to ensure that my address was in fact the one I had just updated to, and it was. I explain AGAIN to ANOTHER person what has happened while I am still in the parking lot of the brick and mortar store. Still nothing can be detected as to why my card doesnt work. So, I waited 48 hours to attempt another online purchase. Yes AGAIN I am getting an error online stating its either a billing or payment option issue. At this point I am at my whits end with BOTH Ashley Furniture and Synchrony. All I want to do is make a {$600.00} purchase on my {$5500.00} credit card and utilize my credit line so they do not close my account due to inactivity. I am going to be livid if this is what ultimately happens in the end. I chatted with another online agent XX/XX/XXXX to see if I can try again. She gave me a number to call to see if my card is activated, so I called and it was. She couldnt assist me further so she suggested to send my information to the finance team at Ashley and told me they would be reaching out in 1-2 business days. Today is XX/XX/XXXX and if I do not hear back from them by the end of the day I am going to go back down to the store after work to see if I can get another manager. My patience and kindness is running out and Im going have to start being firm in order to protect my credit score. Both of these companies do NOTHING to help the customer. I am almost to the point where I am going to close the card myself and take the hit on my credit, these people do not deserve my hard earned money if they cant even assist me when I have a problem. Both companies have also treated me as if I am the problem and I am OVER IT. I really want to call the local news channel to spread the message and to inform people to NOT DO BUSINESS WITH THEM.
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| 11/21/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am writing because I would like to cancel my order. I went into Ashley Furniture on XX/XX/XXXX and was walking around, just browsing. A saleswoman came by and started talking to myself and my daughters. Eventually, after claiming there was a good sale for the XXXX Holiday, she talked me into purchasing some couches and a bar table and stools. She ran my credit and stated that I qualified to finance the furniture.
The total came to {$4400.00} and a sales order stated that I would receive the furniture As soon as possible A few months passed, and I was concerned, but I understood that COVID had affected so many aspects of life and business, so I gave the business, the benefit and continued to wait.
In the meantime, a family member told us that they had ordered furniture from XXXX and had a delivery set up soon XXXX separate occasions and never received the furniture. They claim they got excuses that the furniture was not in stock and various other excuses, while they set-up the delivery, misleading the consumer.
Another family member had a delivery date the next day and sold their current furniture, in anticipation with the next day delivery, to never have the furniture and were without furniture for months, finally having to go to XXXX XXXX, because Ashley furniture failed to deliver the product as promised. When they called, XXXX stated that the furniture had been damaged or something to that nature.
Another issue, some family friends said that they had ordered some stools from XXXX and had heard nothing from the business. They went into the XXXX XXXX store, and they stated that the stools were in the warehouse, but refused to go and physically get the stools, which they sold and did not want to deliver to the customer at that moment. The customer had to go themselves and get the stools because the employees would not handle the stools, but they failed to call and let the customer that the stools were in stock and failed to set up a delivery.
Finally, on XX/XX/XXXX, after XXXX months, I thought I should call and inquire about my furniture status. I called ( XXXX ) and said to the person on the phone that I wanted to cancel my order. The phone cut out suddenly, I thought it was the service or something. I called back to the store again, and I was hung up on to my shock! I called back XXXX or XXXX more times to have the same thing happen.
I was very concerned at this point, so I called to the corporate office to let them know what happened and ask them to CANCEL my order, because I did not want it to go on my credit. I dialed XXXX. I spoke to a woman and expressed my concerns and told her I just wanted to CANCEL my order, so that I could get the furniture, that I had been waiting for to come in for the last XXXX months. She then transferred me to another woman, who offered me a {$600.00} credit to keep my order. I replied, make it {$1500.00}, and I will think about it, and she replied I can do {$1200.00} and have your furniture there by XX/XX/XXXX. ( Again, misleading me and using aggressive sales tactics to keep me from canceling my order. ) When I tried to call the store, I get an automated message saying that my furniture is no scheduled for delivery ( another misrepresentation ). They recognize my cell number and I can not speak to a human being. When my husband calls from his cell, it rings and rings and rings. I have tried on several occasions to call the store and I can get no one on the line.
XX/XX/XXXX came and went and no one ever called me to advise me of anything. At this point I was at my breaking point, so I thought I would file a complaint with my State Attorney Generals Office. I was hoping they could mediate the situation, but then again, Ashley furniture failed to respond to the XXXX email that the advocate sent. They did not even want to try to work the issue out.
I currently tried to finance a purchase, and the salesperson stated that there was a HOLD on my credit. The last large purchase I tried to make was at XXXX. Now they are harming me, by having a HOLD on my credit.
Today at XXXX am, on a Sunday, I received a text from XXXX that reads as follow : XXXX from XXXX XXXX.
Good news, your order # XXXX is ready to schedule! Please call XXXX and follow the prompts to reserve your delivery time. You can also text XXXX and schedule with our automated texting service. We look forward to hearing from you soon.
When I called the XXXX XXXX XXXX, I received an automated message that advised me to call back during business hours and disconnected.
This business makes it impossible to speak to a person, hangs up on customers that they promised services to and fails to cancel, when they fail to provide them with the service they requested. I feel that Ashley Furniture is promising services they are not able to provide and misleading consumers. All other businesses will receive your calls and not hang up on you ( This should have been a red flag ).
Please assist me in rectifying this situation and cancelling my order. After this entire mess and no response, they are aggressively trying to get me to accept delivery of a product I no longer need nor want. PLEASE JUST CANCEL MY ORDER and STOP them from affecting my credit.
XXXX XXXX
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| 11/05/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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XX/XX/2020- XXXX XXXX received an alert on credit report saying her XXXX XXXX XXXX account has been closed with a balance still revolving.
The account has never been late ( more then 5 days ) ever, never has had a missed payment for the life time of the loan two years ago.
XXXX XXXX has numerous accounts w synchrony bank and has again a hundred percent payment history on her credit report even after having her marketing company severely impacted due to the pandemic.
The other cards for synchrony include XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX with the XXXX XXXX XXXX being the last and final one opened ; XXXX XXXX has been impacted severely due to the pandemic having a non essential marketing company. Before all this happened with the pandemic in XXXX of 2020 XXXX XXXX credit score was at XXXX its now down to XXXX solely because of synchrony bank. As XXXX XXXX pays her cards down every month since this pandemic has started it can be fully proven that all synchrony account limits are lowered as Mrs XXXX pays her cards. Destroying her credit utilization no matter what she does due to no fault of her own. All cards have been paid down, while Mrs XXXX had to beg and borrow to keep her score from being impacted its being destroyed by this company constantly for no reason at all, synchrony claims they closed my XXXX XXXX XXXX account due to my credit limits and my usage being too high, however again it can be fully proven that every time Mrs XXXX pays down her cards from this bank they lower her limit bringing her right back to where she was before sinking her credit. Every account that has been listed in the beginning has had the limit lowered, no missed payments, during a pandemic. Why is this happening? The rep at synchrony informed Mrs XXXX they are doing this to a lot of people and thats extremely unconstitutional.
Synchrony bank also states Mrs XXXX card was closed due to her not paying enough off of her cards, so the question here is that its doesnt matter if someone is making a payment again during a pandemic where there income is very limited this company is allowed to just close their account because they have decided Mrs XXXX isnt paying enough to their liking?. XXXX XXXX has also paid off the highest card balance on her credit to XXXX and shes just having her credit depleted by this company for no reason at all.
Synchrony bank took Mrs XXXX agreement of a 5 year no interest when this account was opened to a same month payment not even sure how or why. The furniture that was purchased was garbage and returned at that time the new item was more Mrs XXXX at that time never ever applied for more credit but used the credit that was available from what was paid on her account. A new term was not ever discussed however they did not put Mrs XXXX in one term but 2. They state they never had the credit from XXXX XXXX XXXX on the account while Mrs XXXX provided the email from corporate, they changed her payment from {$25.00} per month to more then double to {$75.00} a month when again the only term and contract Mrs XXXX agreed to was when the credit was given the first time. Mrs XXXX was explained by the rep that she has 2 purchase and 2 terms. How is this not illegal? Mrs XXXX can not refinance her home due to solely synchrony bank, she can not get a new vehicle for herself and XXXX children while her current vehicle has issues and a $ XX/XX/XXXX monthly payment. Why was this done to her? Why can a responsible consumer whom has never missed a payment, never been late, a consumer whom is sucking wind during a pandemic be treated in such a way. Everything synchrony bank listed on the form is absolutely false accept for the one that states all balances and limits are too close, its fully proven only with the synchrony accounts that is the case and the issue because of what they are doing to Mrs XXXX. It states Mrs XXXX has too many inquiries on her credit report, when again fully probable there has never been any cards opened this year, applied for, nothing so anything they are in mention of is before the XXXX XXXX XXXX card was open and they were fully aware when it was opened. They claim Mrs XXXX real-estate and credit cards are too close, most debt on cards are at $ XXXX and the home is worth {$450000.00}. This is sickening, and Mrs XXXX will go to every government agency every XXXX man everyone who matters to document all issues so when a lawsuit is filed it will be filed for breaking contracts, fraudulently putting consumers in contracts, ruining consumers credit scores for no reason, all legal fees all damage, all time taken from Mrs XXXX.
Also synchrony deferred Mrs XXXX payment for XX/XX/XXXX, XXXX XXXX did not see the message and made the payment she called right away asking for it back they refused she also at that time asked how she got from {$26.00} per month to now {$110.00} and the rep informed her thats her payment. Mrs XXXX then asked the rep why the late fee was in there and included the rep informed her no it was not a late fee. It was a late fee and they refused to send the payment back and still never deferred any payments on the account and never credited the late fee on a payment again Mrs XXXX has in writing was deferred
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| 01/13/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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XX/XX/XXXX : I went to Sam 's Club cashier lane as the self checkout register doesn not accept cash. The cashier employee asked if I wanted to apply for a Sams Club credit card to which I kindly declined and said, No thank you. Questions came up on the key pad and she asked me to answer them. Again, I reiterated and stated, No, that I do not want to apply for a Sams Club credit card as I further explained that I'm certain this will get my credit score pulled. She stated she could not cancel the process, reassured me if I was to enter fake information and a random small annual income it would not go through. I proceeded to follow her instructions and entered a fake Social Security Number and a small annual income. I proceeded to ask the cashier employee if it was canceled. She said it was canceled but attempted to provide me a Sams Club credit card pamplet, and asked me to sign a form of receipt to which I replied, No, as I did not want a credit card. I refused to sign the form and asked again if it was canceled. She reassures me again and confirms it was canceled and did not go through.
XX/XX/XXXX : I checked my mail and received a letter stating : Thank you for your application for a credit card with Sams Club. We are unable to complete the processing of your application. It goes into further details and on the third page it says, some information used to make this decision was obtained from the consumer reporting agency ( agencies ) listed below. XXXX and XXXX.
About XXXX, I created a XXXX and XXXX free membership account to view my credit report. Upon inspection my information stated there was an unspecified hard inquiry pull from SYNCB/SAMSCLUB inquired on XX/XX/XXXX which will be on record until XX/XX/XXXX.
Upon this new information, I immediately contacted Sams Club Customer Service around XXXX as the store closes at XXXX. The Customer Service employee informed me the cashiers can request for a credit card by pressing one button, apply, and the application will be pushed through even without my signature in the end. She provided Synchrony Bank 's phone number of, XXXX, so I can contact them in regards to the dispute and fraudulent activity. I left message with her and was informed that a Sams Club manager would shortly return my phone call but I did not receive a returned call.
Right after that phone call, I contacted Synchrony Bank, explained the situation and stated that this is a fraudulent action. They stated they will mail out a deletion letter to both Credit Bureaus, XXXX and XXXX. However, it can take up to 60 days for the inquiry to be removed.
Right after that phone call, I filed a dispute and fraudulent activity with, XXXX. I received an email confirmation at XXXX statong a dispute is open. A few hours later at XXXX I received an email from XXXX stating my dispute results are in and the inquiry has been deleted.
XX/XX/XXXX : I went to Sam 's Club and explained the situation above. One of the supervisors had a Customer Service employee contact Synchrony Bank to remove the application in their system as the application is still showing, pending. We all then learned that I was considered " pre-qualified '' for a credit card. Even though I replied, No, I do not want a Sams Club credit card and because the cashier employee pressed the button, apply, it automatically gets pushed through. It didn't matter that it was a fake Social Security Number and small annual income. Becuase I was pre-qualified once the cashier employee pressed the button, apply, there was no undoing and stopping the process as it was already initiated. They were uncertain and didnt know if it was possible to abort and cancel the application. They will need to try it out themselves to see if it will work or not. The supervisor informed me the cashier employee asked me to sign the form of receipt because it would have stated that the application went through ; it was not a cancelation receiptof the application. I explained that I did not sign the receipt, declined by saying, No, each time and the cashier employee kept reassuring me it would not go through. Fuethermore, explaining the mail that I received could easily be disregarded as junk mail, thankfully I looked at it. While being transferred to about three different departments, Synchrony Bank stated the only option is to contact them, have them send a deletion letter to the Credit Bureaus so they can to delete the inquiry from my credit report. To which I replied that has been completed for one Credit Bureau and I will have to submit the other one day. The supervisor informed me that they will keep me updated, conduct an investigation by reviewing camera footage, have a discussion with their employee and may deliver a disciplinary action.
Around XXXX today, I reached out to XXXX and they informed me they have not yet received a deletion letter from Synchrony Bank/Sams Club . They have reached out to them stating fraudulent activity and there isn't anything else we can do but wait for a response. They provided me further information about Consumer Financial Protection Bureau and advised me to contact my State Attorney General 's office since this is the first time I've dealt with a situation like this.
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| 12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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On XX/XX/2021, I went to a dentist for 3 tooth extractions and they claimed I needed bone grafts for all three teeth, and they asked if I would like it, I say sure. As the procedure is taking place, I know for " certain '' he is not doing any bone grafts, that is what was going through my mind the entire time. I even asked him what kind of bone graft was done after the procedure was done and he immediately became fidgety and literally said along the lines, " don't worry about that, everything is fine. '' I digress. As I was leaving the office after getting my extractions, the front desk asked me, " how am I paying? '' you don't ask some body this " after '' they have the procedure, when you first informed them the insurance company covers it. Therefore, I said I was not paying anything to them, worse of all, they never did any bone graft. I then asked them, " where do you expect me to pull {$1500.00} from? '' then they offered Care Credit, which I thought was a part of their company at the time. At this point, I was ready to call the police, but it would have been me against a whole office of frauds. There is no way the police would have taken my side over theirs, especially when I had no paper work at the time to prove they were liars. As a result, I agreed to the Care Credit, then " immediately '' called my insurance company to let them know what XXXX XXXX did. XXXX informs me to contact Care Credit.
I contact Care Credit, they open an investigation and XXXX XXXX sends Care Credit a letter that will reveal he is nothing but a fraud. Yet somehow, Care Credit saw the dispute in his favor and still asked me to pay the {$1500.00}.
In the first paragraph of the document titled, " XXXX XXXX XXXX XXXX XXXX '', he stated that 3 tooth extractions were done, and they were, I am not denying that. I am denying he did bone grafts, because in fact he never did them. In the document titled, " XXXX XXXX XXXX XXXX '' he then stated I signed a dental agreement, which would show a complete breakdown of work, showing I agreed to a total {$1500.00}. Where is it? Care Credit has yet to show me that document, yet is still claiming it is in his favor. If he can not prove this, then the {$1500.00} dept should be wiped clear. What's worse is that XXXX XXXX never sent Care Credit a record showing bone grafts were done. Care Credit is having me pay {$1500.00}, when XXXX XXXX has yet to send one document of proof for the things their stating.
I warned Care Credit that if they don't do the right thing, I would open a dispute with the XXXX and I am sure glad I did. Once I opened the dispute, Care Credit uploaded documents to the XXXX that XXXX XXXX sent to them as " proof '' and it is utterly laughable. If you look at the document I am uploading titled, " Bone Graft Fraud '' it indicates a bone graft was done on teeth # 3 and # 30, but remember in the document titled, " XXXX XXXX XXXX Letter '' where it states it was done on three teeth? This fraud contradicted himself big time with this one. He never did any bone grafts at all, but lets just entertain the idea. At first he claimed he did it for three teeth, with each tooth bone graft being {$500.00}. So that would have been tooth 3,19, and 30, which would add up to {$1500.00}. But in a separate document titled, " XXXX XXXX XXXX '' he says a bone graft was done on # 3 and # 30 which indicates two teeth and a total of {$1000.00}. Yet, Care Credit refuse to see this as fraud.
Now mind you, when a dentist completes a bone graft as XXXX XXXX is " claiming, '' there should be a record of a complete break down of what was done ; because even with just a quick simple research on my end. Not all bone graft procedures are the same and no matter what, there is to be documentation showing it. Care Credit has not received this documentation from XXXX XXXX as of yet.
XXXX XXXX is going after the wrong person for the {$1500.00} which is me. I proved without a doubt I do not owe this. They are to go after the real culprit which is XXXX XXXX who made a complete fool out of them by sending obvious bogus documents, that they accepted without second questioning.
Consumer Finance, if possible when Care Credit responds to this dispute. Can you make it to where all three of us ( Me, Consumer Finance, Care Credit ) can communicate to each other? And if possible, I would " truly '' appreciate if you can add XXXX XXXX in the mix. All they have been doing is hiding.
By the way, I opened a dispute with XXXX XXXX and they have yet to respond to my complaint, knowing I would easily refute what their saying. They only respond like cowards when they are speaking directly to an entity, knowing I can not see their interactions like as what they did with Care Credit and even XXXX. When it involves a platform where I can see what they write and submit, such as with the XXXX or email, they become a ghost.
If you can contact XXXX XXXX to explain their side to me and Care Credit to where we all can see it, I would truly appreciate it.
Consumer Fiance, please let Care Credit know they are charging me {$1500.00} for work that was never done, and there is no proof of it. They are on the verge of impacting my credit score because of this.
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| 08/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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1 ) Purchased a hotel and airline tickets through a XXXX travel reseller in midXX/XX/2020 for a mid-XXXX vacation 2 ) COVID pandemic became aware to us in serious form about 1.5 weeks prior to XXXX trip departure, but we were determined to stick it out 3 ) COVID situation continued to escalate to such serious level by XX/XX/2020 that we canceled the trip with the XXXX travel reseller the day prior to our departure on Sun, XX/XX/XXXX, providing as much notice as we could under the vastly heightened circumstances.
4 ) XXXX travel reseller refused to refund anything, claiming their standard cancellation policy applied and that we forfeited our funds.
5 ) XXXX travel reseller then later said they'd " try '' to negotiate some partial credit with the hotel itself, which we refused and stated the reseller themselves needed to refund us in full without further question/discussion, then they could settle whatever matter with the hotel with whom we were not in contact nor did we buy directly from.
6 ) XXXX travel reseller delayed and stonewalled repeatedly and then went unresponsive entirely for long period.
7 ) We proceeded to dispute on XXXX XXXX via the card issuer, Synchrony Bank, as we had informed the XXXX travel reseller we would if they failed to communicate and cooperate promptly.
8 ) Synchrony Bank from day 1 delayed, obfuscated, and poorly managed/handled the matter but eventually issued a " provisional credit '' on our account for the full purchase price paid. Synchrony proceeds to request " Additional documentation/information '' on XXXX XXXX which simply is the same dispute form letter asking for all the same information we already fully provided in the initial dispute form submission online. This is our first clear indication Synchrony 's dispute management process is broken.
9 ) After extended delays and unbelievably poor communication continuing from Synchrony, repeated inquiries and restarts from our side in attempts to regain traction on the matter, Synchrony came back with no documentation, no communication or any explanatory response of any substance whatsoever, simply sending a form letter dated XX/XX/XXXX stating that the matter had been closed in the merchant 's ( reseller 's ) favor.
10 ) We then contacted XXXX XXXX, Executive Vice President and Chief Executive Officer, Retail Card, Synchrony Financial for help in achieving an actual acceptable resolution. While no response was ever received directly from him, we did eventually receive, after a few attempts, a response from his apparent designees in the " Office of the President '' who contacted us on his behalf.
11 ) More of the same delays, non-responsiveness occurred even from this " Office. '' 12 ) " Office '' designee eventually tries to call us back again and keep the conversation verbal instead of in writing. Designee argues with wife about " why did think to even book a vacation like this in mid-XXXX this year. '' Synchrony utterly fails to discuss the merits of the dispute or our situation or our reasoning for the dispute in the first place. We ask Synchrony 's " Office '' in writing to confine all future response/communication to written form.
13 ) We contact the XXXX reseller to ask about their vague refund offer that had meanwhile suddenly appeared back on XX/XX/XXXX during the dispute, on their condition we close the dispute. No response.
14 ) We informed Synchrony, both via the Customer Service portal and via the executive " Office '' of the merchant 's purported, non-specific refund offer if we closed the dispute. We ask why Synchrony won't reopen the dispute and find it our favor, given such facts, and charge the merchant back as they ought to have done in the first place. No response from Synchrony to this day.
15 ) We mysteriously receive in the XX/XX/XXXX mail ( postmarked XX/XX/XXXX ) the " missing '' XX/XX/XXXX documentation from the dispute wherein the merchant allegedly provides substantiating details for their rejection/challenge of the dispute. In actuality, the 24 pages contains nothing but nearly illegible boilerplate the merchant has copied and forwarded ( apparently from their website somewhere ) and the only vaguely substantive response is from a " first name only '' individual at the reseller stating on page 22 of 24 : " Customer canceled stay day before arrival. Standard cancellation policy applies and they should have used travel insurance for such. '' 16 ) We have never said or claimed that there was any 'billing error ' as Synchrony falsely misstates. We have never said or claimed that we did not cancel the day prior to our trip/stay. This is not the basis of our dispute and never has been. These are red herrings that Synchrony and the merchant are throwing out because they clearly do not wish to address the primary point we have repeatedly made : This is a force majeure event legally and morally. We are therefore not obligated to fulfill the contract/agreement under these " unprecedented circumstances '' that they and everyone else in the world pretty much universally acknowledge exist. We are thus entitled to a full, unequivocal, immediate refund. Clearly, neither Synchrony nor the merchant wish to address this point.
|
| 12/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XXXX XXXX, XXXX, I received a letter sent by a XXXX lawyer named XXXX XXXX stating that through XXXX XXXX in XXXX, he located me as XXXX of XXXX of his client XXXX XXXX XXXX who died from XXXX in XXXX without a Will but left a XXXX account with XXXX XXXX XXXX XXXX He offered to make me the XXXX on XXXX XXXX 's account through legal procedure before the balance was being surrendered to the government abandoned property department on XXXX, XXXX, in exchange for his share plus donating XXXX XXXX to charity in memory of XXXX XXXX XXXX He also sent me the XXXX XXXX and XXXX XXXX certificate matching the balance. Prior to death, my grandfather mentioned he had a brother go to the XXXX before losing the contact, plus the decedent shared the same surname and nationality as well as the age would correspond to my XXXX cousin, supported by XXXX-issued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Case # XXXX presented by the lawyer, so I believed. Before transferring the estate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Branch Supervisor XXXX XXXX and the lawyer asked me to pay USD XXXX to their XXXX company " XXXX XXXX XXXX '' in XXXX with a XXXX account " for both parties ' security '', and promised me the XXXX fund would be returned to me after the XXXX-transfer was completed because " XXXX law and court mandate that estate be kept with integrity, whereby the XXXX fund can't be deducted from. '' I was given the XXXX company 's bank account details as below : Bank Name : XXXX Add. : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Routing Number : XXXX XXXX only : XXXX XXXX : XXXX Beneficiary Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone # : XXXX ( XXXX ) XXXX Before XXXX I called the above number, specifically asking the XXXX if they were an XXXX company working with the XXXX bank, and he confirmed " the XXXX fund will be returned to you after the XXXX transfer is completed. There's nothing to worry about. '' So I presented my bank Synchrony Bank with the above XXXX transfer details specifically naming the " XXXX XXXX XXXX XXXX XXXX ''. Despite that Synchrony Bank has XXXX transfer verification mechanism, the XXXX Transfer Department negligently failed to verify the receiving bank account not to be an XXXX or XXXX account, or at least the business " XXXX XXXX XXXX '' doesn't exist at all, and debited XXXX from my account on XXXX XXXX, XXXX. XXXX days after, I didn't hear back from any of the XXXX and XXXX parties. So I called XXXX Customer Service to report this XXXX fraud. A representative answered, unable to reveal an account holder 's identity for privacy, but repeatedly verified that the account holder who received the XXXX belonged to an individual, not an XXXX or business account at all. The company XXXX XXXX XXXX doesn't exist. XXXX XXXX XXXX XXXX also verified the lawyer and his law firm were fake, and the XXXX XXXX was fake, too. It's all fraud. I immediately notified my bank Synchrony Bank of this XXXX fraud on XXXX XXXX, XXXX and filed a XXXX XXXX Case # XXXX with my XXXX XXXX XXXX XXXX Department which was shared with Synchrony Bank. From the very beginning, Synchrony Bank has been very elusive and discouraging to me with regard to their so-called investigation : XXXX XXXX, XXXX, XXXX from XXXX Team called me trying to push me over to XXXX, then backed off after I told him that I had already contacted XXXX Customer Service of a scammer account holder, but they can't assist me as I'm not their customer. XXXX concluded the conversation by saying 'There 's no guarantee we can solve this and get your money back. '' without even giving me a case # or line of communication. And that was the only time somebody from Synchrony Bank has ever reached out to me regarding this XXXX fraud even though Law requires a timeline for the financial institution to update their customer about the status of their investigation into a fraud or scam. From XXXX XXXX through XXXX XXXX, XXXX, I called Synchrony Bank Customer Service XXXX times inquiring about the status of their investigation, always being told " still going on '' by the representative instead of directly someone from the XXXX XXXX actually conducting the investigation. XXXX XXXX, XXXX, I called Synchrony Bank Customer Service again as that's the only way you can reach them. When I questioned why the fraudsters still contacted me XXXX days after I reported this XXXX fraud with the same XXXX account details and same fraudulent business name if Synchrony Bank had contacted XXXX XXXX day when I reported this fraud, and expressed my serious doubt if Synchrony Bank had even really been investigating and tried to retrieve my funds from the fraudulent XXXX account holder, Account Supervisor XXXX repeatedly strong-armed me by asking me to 'understand " that it's my fault ( to be defrauded ) and then asked me to go ahead suing Synchrony Bank because its Policy prevents them from doing anything to help me. Synchrony Bank 's gross negligence, failure on control measures and compliance law, and non-existing customer support are abetting scammers and fraudsters roaming freely to harm law-abiding people!
|
| 05/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Several years ago, I was visiting a new XXXX for the first time. Instead of doing the XXXX that was scheduled and covered by my insurance, the XXXX was extremely pushy about me getting a XXXX XXXX that cost hundreds and hundreds of dollars. I explained to her that I was a XXXX XXXX XXXX and could not afford the procedure, but she kept pushing me. Then she said Here, lets just sign you up for Care Credit and you can pay it off at 0 % over 24 months! I tried to back out but she kept pushing. She had me write down my social and she called the company. After about 1 minute she hung up the phone and said I was approved for {$15000.00} of credit and had 24 months to pay it off, so I might as well get the procedure. I reluctantly scheduled it but cancelled the next day after consulting with another XXXX who said that I did not need the procedure. I ended up using the Care Credit card several months later at two different XXXX for some XXXX XXXX. When I tried to clarify with them how long I had to pay it off, they said that was all determined by Care Credit and it was whatever they told me when I signed up. On XX/XX/XXXX, I logged onto my Care Credit account to update my address. I noticed the balance looked pretty high ( I dont go on the account very often because I only used the card for those two procedures and I use autopay for the monthly payments. I opened up my statements and noticed two fees- one for {$350.00} in XX/XX/XXXX and one for {$190.00} in XX/XX/XXXX. I called the company immediately. I explained to the representative what had happened and she said that I had been charged the fees because if you dont pay the balance off in 12 months, you get charged 22.99 % of the original purchase price. I explained to her what I had been told by the XXXX and that I was never informed of this policy, and she basically told me it was my fault and I should have looked over my statements closer. She said if I wanted to see the promotional period length, I would have to try to track down a signed receipt. I asked her if it was possible to wave the fees since I was never told about this policy. She refused, so I asked to speak with her manager. The manager was extremely rude and basically said it was my fault. She said that she couldnt waive the {$35000.00} fee because apparently you only have a certain timeframe to contest the fee and it had past, but she could waive the XX/XX/XXXX charge since it was still within the timeframe, I reiterated that I had no idea about this policy and offered to pay the account off in full if she would just waive the fees. She refused. At this point I was baffled, I always pay my credit cards on time and keep track of them well, and I have good credit, so I was so confused about how this happened. I went online to see if anyone else had had similar issues with CareCredit- sure enough, I found tons of reviews with nearly my same exact story. I was also shocked to discover that they had been penalized by the Consumer Financial Protection Bureau in XX/XX/XXXX for misleading and unclear policies that were intentionally used to profit off of consumers. They were fined nearly XXXX XXXX dollars and given specific orders for all future business to ensure that they would not deceive and take advantage of their customers anymore. Based on my experience with them, there are several orders that Care Credit is still currently violating. For example, it is stated in the order that if a customer calls and says that their XXXX did not inform them of the interest rate or did not go over all of the terms with them, it is Care Credits responsibility to investigate the claim ( yet they told me it was my responsibility ). If the provider did not explain the terms clearly or if clear terms were not given by the Care Credit representative on the phone, the patient is not responsible for the charges even if services were rendered, according to the order. Also, for customers enrolled in auto- pay, the order states that they are to receive two emails stating in the body of the email that their promotional period is ending and clearly explain the fee that they will be charged if it is not paid off. Care Credit never sent me an email notifying me of this. There are numerous aspects of the order that they are violating, which Ive attached to this complaint. I called to speak with a manager the next day, and when I cited these examples of things they are in violation of, she tried to tell me that the order only applied to customers in the past from the class action law suit ( which is clearly not true as it states right in the order that it is for all future business. Im shocked that this company is continuing to conduct business this way even after being fined {$30.00} million just a few years ago. They are blatantly lying to their customers about their policies ( or at least the ones that they are supposed to be following ), and ignoring the order that your organization put into place. Additionally, they reported me as delinquent on my account, which affected my credit score, and tried to make a collection call to me. Both of these things are prohibited by the order in any customers who are in the process of a complaint.
|
| 05/09/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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In 2011 , XXXX XXXX , a division of XXXX , w on a court judgement ( XXXX ) against me, XXXX XXXX , by default on a credit card account with GE Money. I did not find out about the case, nor did I have an opportunity to defend myself. The judgement did follow months of disputing the account and balances - a right afforded me under FCRA. During months of harassment and threats which even included the threat of imprisonment, I disputed the validity of the account, the age of the account, the balances, including computed interest, penalties, late fees and the rate of interest - on numerous occasions with the lender prior to the sale of the account and during pre-judgement collections after the credit card account was purchased by XXXX . In spite of my declarations, and the disregard of my prior requests for proof of the account and documentary support as to the collection account balances, XXXX XXXX told me by phone that under FDCPA, I alone had the burden of proving that I did not owe the debt and the balances, while threatening legal action. They asked me to settle {$8000.00} or risk a lawsuit or imprisonment. Notwithstanding, XXXX never produced me a full account validation or a copy of my signed card agreement. Instead they went ahead and filed a legal claim to the Court of XXXX XXXX , CA. XXXX and then proceeded to submit to the Court several documents containing false statements, including but not limited to an affidavit falsely stating that they were not aware of any disputes and that I essentially agreed to the account balances simply because I had accepted billing statements and provided no to those statements previously to the lender during the course of having the card. All of which I believe violates my rights and unjustly diminished my rights of defense. Unfortunately, I had defaulted on the court judgement because I did not personally receive the summons and was aware of the date of the hearings. I was also unfamiliar with the rules of the court and had limited due process. Had I been able to attend the court hearings I would have made it clear that XXXX never met its obligation to me under FCRA. It is my conclusion as the relevant court documents, that XXXX secured a default judgement against me solely by only using an affidavit ( as is the case of thousands of other cases by which XXXX secured liens through default judgements ) without any original-level account statements, and that the affidavit submitted had false statements. In effect XXXX , as with tens of thousands of other judgments against consumers, submitted a sworn affidavit representing that I did not file a timely written dispute and that my account and the stated amounts was therefore " valid. '' Further, XXXX 's own counsel submitted an affidavit in which he misrepresented that he had personal knowledge of facts contained in affidavits, including that he knew for a fact that I owed the claimed debt and that he himself could appear as a witness to attest to those facts - all when neither the lawyer nor XXXX could answer my dispute, provide account documentation, attest to my signing the credit agreement or truthfully claim that I had agreed ( non-disputed ) to the validity of the debt, amount, rate, etc.. It is my belief that my case falls squarely in the category of the many other cases that were misappropriated and mishandled by XXXX XXXX , in the same unjust manner highlighted in the CFPB 's damning findings and its consent decree. I have called XXXX XXXX and its legal office in XXXX XXXX numerous times, left messages, and have not had any calls from any representative or paralegal from its legal department to address this matter. Earlier today I called the CFPB to see how I can have my case reviewed, and I was told that XXXX was in effect self-policing itself and should have contacted me once my case review showed any violation covered by the consent decree. I have a feeling that my case is not a single discrepancy a nd may end up being part of a pattern of XXXX not fully complying with the terms of the settlement with CFPB on the consent decree. My request which has not been dealt with to date, is that my rights under FCRA be defended and that I have a full and thorough of my account, as to a determination of whether or not the account is invalid and/or has been misrepresented as well as the overall legal basis for XXXX 's claim, the legitimacy of the affidavits be examined by the CSFB and by XXXX XXXX - prior to my assuming the expense of an attorney. As of date, XXXX XXXX continues to call and has sent over since the default judgement was secured, numerous legal threats related to this account. I have attached a copy of the summons retrieved from the XXXX County Court system. Amount : {$11.00}, XXXX Debtor : XXXX XXXX Creditor : XXXX XXXX XXXX Date entered : XXXX XXXX , 2011 XXXX : XXXX XXXX : XXXX XXXX of California Case No. : XXXX Recording Date : XXXX XXXX , 2011 Recording No : XXXX , of Official Records Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
|
| 12/29/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
Servicemember |
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On XX/XX/2019, Sam ' s Club offered a " One Day Sale '' in which they offered discounted merchandise, no interest offer, credit card promotional offers during this one day event.
I was interested in purchasing a 65 '' XXXX TV on sale during this event. I was approached by a Sam 's club employee by the name of XXXX in Customer Service. He proceed to show me a Sam 's club promotion offer book " relating to Sam 's club One Day Sale ''. The promotion book demonstrated pictures of items reduced during this sale and pictures of a " Sam 's club Mastercard '' with a {$55.00} off today 's purchase offer.
The Sam 's club employee stated if I opened a " Sam 's Club Mastercard '' I would be eligible to receive {$55.00} off my purchase today, 5 % cash back for gas, 3 % dining and 1 % cash back on other purchases.
I agreed to apply for the Sam 's club credit card due to the perks cited by the employee XXXX. I asked him if will get the black card specially on the front of their advertisement. XXXX responded " The black card is for plus members, you will have to upgrade your membership to receive that card specifically ''. My husband asked XXXX what do we need to do to apply for this card.
My husband and I was not given any disclosures, notices or documentation relating to the card we were interested in applying for. The Sam 's club employee asked for my drivers ' license and social security number.
Upon, the Sam 's club employee entering my personal information to complete the credit application he advised me I was approved. I was ready to utilized the perks as advertised by the employee for the gas, dinning and any other offers relating to the Sam 's Club Mastercard.
On XX/XX/2019, I received a letter from Synchrony Bank dated XX/XX/2019 stating they were unable to " assign the best interest rate they offer to my account ''.
On XX/XX/2019, I received a Sam 's Club Retail Credit Card, agreement, disclosure and welcome letter.
This was not the credit card I applied for. This card was not offered to me at the time of application. I did not apply for their Sam 's Club Retail card. I applied for the Sam 's Club Mastercard on XX/XX/2019.
I proceeded to contact the phone number provided on the introductory package from Synchrony Bank. I spoke to a customer service supervisor by the name of XXXX who stated " I did not have a choice in which card I applied for ''. He also stated the decision is based on approval. I advised him that Sam 's Club and Synchrony Bank have mislead me into approving a credit card with the wrong card benefits. The Sam 's club employee showed me a promotion offer for the " Sam 's Club Mastercard '' and the card benefits was cited verbally prior to me agreeing to proceed with the application process.
1. I was not afforded any Synchrony Bank/Sam 's Club disclaimers, notice, disclosure citing : Applicant does not have a choice in which card they apply for.
2. The credit card benefits cited at the time of application was solely for the Sam 's Club Mastercard. I should have been notified by Sam 's Club and Synchrony Bank if I was not approved for the Sam 's Club Mastercard as advertised.
3. I did not apply for a Sam 's Club Retail card as the card benefits greatly differ from the Sam 's Club Mastercard. When I asked Synchrony bank why wasn't I notified at the time of application why I was not approved for the Sam 's Club Mastercard they was unable to provide me with any proof they attempted to open a Sam 's Club Mastercard on my behalf.
4. Synchrony bank failed to provide me with a denial letter or acknowledgement for my application for the Sam 's Club Mastercard.
5. Synchrony Bank and Sam 's Club falsely represented the terms of the credit card I applied for.
6. I refuse to believe the statement made by the Synchrony bank employee, I as the applicant have no choice in which card I apply for. I have a choice if I want to apply for a Mastercard or a retail card. There is a significant difference.
7. I was told by Synchrony bank representative XXXX they can close the account and I need to satisfy the balance 8. This response is unacceptable and a gross attempt to avoid or acknowledge their responsibility is this problem.
9. Synchrony Bank/Sam 's Club misrepresented the credit card application. They failed to notify me as the applicant that they would take it amongst themselves to give me another card at their discretion. I was approved for an entirely different credit card and if I wasn't approved for the Sam 's Club Mastercard then Synchrony Bank /Sam 's Card should have disclose to " me the applicant '' on XX/XX/19, they were not able to approve me for the Mastercard .
Synchrony Bank/Sam 's Club should have afforded me the option to request/apply for the Sam 's Club Retail card for this application. That way the applicant does not have a " new revolving retail account via all 3 credit bureau 's '' that they did not request or apply for. This action taken by Synchrony Bank/Sam 's Club voided my choice to willfully/knowingly open the Sam 's Club retail credit card.
This will negatively effect my credit report if the account is closed due to this error.
|
| 09/04/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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|
I needed a laptop for a job. Went online to the XXXX XXXX and was presented with the option if obtaining a Synchrony Financial financing credit card since the two companies had joined forces.. I applied and filled out an exhaustive amount of personal info and was approved. I purchased the laptop without any issues and paid to ship it expedited due to work. After a week or so I hadn't received the laptop nor any updates from neither XXXX nor Synchrony Financial.
I checked my XXXX XXXX to discover that not only was my order canceled all of my credit cards including my Synchrony Financial card were frozen. I couldn't use any of them. Everything from my power, cell phone, subscription to critical services were getting rejected, amassing fees, and some even being canceled all because of the following, admitted to mistake by XXXX and Synchrony. XXXX said they did this for my protection. You see XXXX a day or two later initiated this cancelation without even notifying me that post purchase they wanted me to send them a picture of the Synchrony Financial card else they cancel that and all my accounts. I tried calling XXXX but they told me to contact Synchrony. I contacted Synchrony but they won't attend to me because I don't have the card info. I called again as a non customer and was told it takes 8 to ten days after one signs up to get the Synchrony card. Synchrony never bothered nor did XXXX to take note of this as it's physically impossible to comply with the screenshot of the physical card as it takes 8 to 10 days to receive it. So for the entire XXXX holiday and new years I suffered unwarranted charges and cancelation of services as well as an inability to buy any gifts because my use of my cards were restricted and frozen, not to mention online was the only option to obtain things because this was at the height of the pandemic. I wrote the CEO of Synchrony bank as I work in Payments and she was on my XXXX. I pleaded with her as this would effect not just myself but all customers going to the XXXX XXXX and financing through Synchrony. A rep from Synchrony contacted me and I explained the issue to her and she said shebwould let XXXX XXXX the CEO now Synchrony Financial board member know. Never heard back, never had any of mybother questions answered so I waited and finally received my card. I provided it to XXXX and was asked to wait two months for the laptop as it was no longer in stock. They tell me this naturally after the order is placed and you can't back out. I loose my job as I can't start without a working laptop. I pay all my fines and restart my services that were canceled. When I get the laptop it's not working and contact XXXX several times and they trouble shoot but are unsuccessful in fixing it but refuse for untold reasons not to send me a replacement or repair mine despite its warranty covers that and I even paid for insurance on it.
Meanwhile I get billed by Synchrony via email and I attempt to make a payment but the link in the email asking for payment doesn't work. I'm like come on. I spend hours once more trying to get somebody at Synchrony to help me but again because I don't have a valid account number they won't attend me. I write their current ceo Mr XXXX, write XXXX again, post on XXXX, and wrote their legal team as well. After one month I get an alert that Synchrony has put a negative mark on my credit score which after much work I had improved over the years. It shows an open line of credit opened and closed for my initial order which is my understanding is the worst kind of mark and then shows another negative mark for missed payments dating back to my purchase. Reps call me for payment and I tell them the issue they say make a payment and we will inform them. I do and they don't. I write the legal team again since they are the only ones who respond to me. They get some lady to walk through what I have shared. They see the link doesn't work. They acknowledged my card is not showing up under my name. We try a handful of things none work. Nothing has been resolved. I have suffered Financial harm, stress, lost work, and couldn't lease the car I needed for another job because Synchrony doesn't give a XXXX XXXX about their customers having their accounts frozen or credit destroyed by them despite the fact its unwarranted. Now I get debt collection recovery services calling on their behalf at least 4 to five times a day during working hours. Both XXXX and Synchrony share blame. I wrote the California state attorneys office and they reached out to XXXX who wrote back and admitted to all I have shared here but went on to flat out lie stating they were working closely with me to resolve the issue. I haven't had anyone help me from either side except for that one rep from Synchrony who was insulting and rude the whole time because she could see I was right I need help with both but if only one foe the moment it has to be Synchrony. It's been almost a year and my current work and credit is being unlawfully impacted by their arrogance since most if not all Merchants are responsible to no one and take liberty to score over the public and they get away with it.
|
| 11/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I am a Verizon Wireless customer and have been for over XXXX years. Verizon has a permanent splash page advertising their Verizon Visa Card offered by Synchrony Bank. I typically don't use credit except for the reward benefit as my wife and I do not carry a balance on any revolving credit card we own. The entire purpose of the card was for the benefits in that the reward dollars accrued could be applied to our Verizon Wireless bill and the monthly benefit or savings we received for setting up autopay using this Visa. For months the card worked brilliantly and we averaged between $ XXXX {$140.00} per month that we used against our phone bill. In XXXX of this year, we took advantage of some promotional offers through Verizon to purchase new phones and we additionally added lines for our parents -- extending the same benefit. We had owned our phones and hadn't had any issues for many years. The entire upgrade and additional lines was a problem which we spent countless hours trying to resolve with Verizon and those indeed were resolved. One issue that was created from an IT solution -- a solution that was not my choice, was not part of any offer or benefit to me and one that wasn't explained in any way to me -- was that to resolve an activation issue on a new phone, Verizon created a " sub-level '' account. How I understand this is if my account number had been XXXX, creating a sub-level account would now reflect this account as XXXX. When this occurred, it disassociated my Verizon Visa card from the Verizon Reward program which is the only way that these reward dollars can be redeemed. Nor Verizon or Synchrony have any alternative for reward redemption except Verizon 's reward program through their application. I have literally spent well over 50 hours on the phone Verizon and Synchrony since to resolve this issue -- all to no avail. Each time I call I have to re-explain the issues, most of the time I'm dealing with people who don't understand this issue and offer solutions that have been exhausted. In XXXX, i finally asked Verizon while they were " working '' to resolve the issue to apply the reward dollars that I had accrued from XXXX that had not been redeemed due to the ongoing issue, to be applied against my Verizon Wireless bill. After multiple efforts to effectuate that, Verizon applied over {$500.00} in credit to my wireless bill and I had acknowledged that I would no longer use the Verizon Card for future purchases until the issue could be resolved. To " fix '' the issue and " help '' Verizon since they couldn't resolve the issue, my wife applied for the Verizon Visa Card through the Verizon Mobile App as advertised. She was approved and we began using the cards as soon as we received them. The issue that exists on my account, is also preventing my wife from redeeming the rewards we accrue. I again notified Verizon and Synchrony and have since been emailing and calling them for resolution. I'm assured that they've " escalated '' the issue higher and that ill receive weekly updates ; however they don't follow through with their promises -- prompting further calls and emails from me. I emailed Verizon XX/XX/2021 indicating that my wife and I were going to discontinue use of the XXXX cards immediately. I requested a credit of the {$440.00} that has accrued since the XXXX credit for both my wife and I and emailed them the monthly statements for both. My XXXX bill/rewards has not been generated however if estimated to be over {$100.00}. I advised that I would not ask for XXXX 's rewards for a bill I haven't received ; however that I needed credit to my wireless bill immediately and although they failed to resolve the issue, i would be " satisfied '' as it relates to my grievance and not pursue the issue further. I have not received a response at this time. Verizon and Synchrony advertised a benefit that we are not realizing. My wife and I have spent countless hours patiently trying to resolve this issue. We now have XXXX accounts with inquiries and a new tradeline that has an impact to our credit. If we close those accounts, the inquiries remain and the closed accounts reflect negatively to our bureaus. My wife and I are upholding the end of our agreement. We've never carried a balance, we pay purchases and transactions almost immediately after we've charged them, we make numerous payments each month against those transactions. Verizon and Synchrony are not holding up to their representations and warranties or terms and conditions of use. The level of " service '' and response t this is appalling. My time on an hourly basis is the same or more than the entire month 's reward total and they have required me to spend these countless hours frustratingly trying to resolve their issue and hold them to the terms and conditions we agreed to when we entered into a cardmember agreement. I'm certain I'm not the only one dealing with this. Recently I've been made aware by both Verizon and Synchrony that they're aware that an issue exists ; however have yet to remedy it or be proactive with their customers to offer some good faith measure to mitigate their frustration or actual damages.
|
| 01/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Synchrony Bank ( SB ), issues, underwrites and services a branded merchant card : LOWES ADVANTAGE CREDIT CARD ACCOUNT.
Background : I have a closed-end revolving credit card for XXXX XXXX XXXX which was issued and is serviced by SB.
{$5000.00} credit limit. Account in good standing ( 0x30, 0x60 etc ), over 25 months old ( XX/XX/XXXX - present ) ; {$1200.00} balance outstanding. The last telephone bill payment { I.e., electronic payment } was made few days late on XX/XX/XXXX - an oversight. On XX/XX/XXXX, my credit card was denied for a {$2800.00} refrigerator ( 2 attempts by associate ).
On XX/XX/XXXX, subsequent to that denial, missing a sale price, and unable to complete my purchase, I called SB and spoke to their customer service representative, XXXX, she confirmed that my XX/XX/XXXX, payment reflects in process that I need to wait 24-hours.
So SB is suspending the entire available credit limit of the account, in this case {$3700.00}, until they receive the funds which, here amounted to {$110.00} for a first time few-days late payment!!! Thats an absolute UDAAP breach.
Also, this practice is in direct contravention to regulation Z ( XXXX Payments ; staff interpretations section 2 ) and their own poorly-worded, threatening and deceptive credit card account agreement. And the card application explicitly threatens that crediting non-electronic payments could be delayed of up to five days.
1 ) From application : See item # 2 of the IMPORTANT TERMS FOR ELECTRONIC STATEMENTS : Payment Information. When you elect to stop paper. Please note, if you do not pay us electronically, the crediting of your payment may be delayed by up to five days after receipt.
2 ) Regulation Z ( XXXX Payments ; { a } { Official interpretation of 10 ( a ) General Rule ( 2 ) : II ) Date of receipt. The date of receipt is the date that the payment instrument or other means of completing the payment reaches the creditor. For example : Payment by check is received when the creditor gets it, not when the funds are collected.
3 ) from SECTION III : STANDARD PROVISIONS of their LOWES ADVANTAGE CREDIT CARD ACCOUNT AGREEMENT HOW AND WHEN TO MAKE PAYMENTS When Payments Are Due. You must pay at least the total minimum payment due on your account by XXXX XXXX. ( ET ) on the due date of each billing cycle. Payments received after XXXX XXXX. ( ET ) will be credited as of the next day. ( THEY ARE NOT PRACTICING THIS ) ..We may delay making credit available on your account in the amount of your payment ( THEY ARE NOT PRACTICING THIS ) even though we will credit your payment when we receive it. ( THEY ARE NOT PRACTICING THIS ).
So Ive clearly demonstrated with my little account example at least three major non-compliant acts, processes and practices ongoing at SB!
Id like to know what the CFBP and all the other applicable regulatory and supervisory offices will do to stop this brazen, corrupt and abusive practices, but SB is running a rodeo.
Deceptive, unfair, abusive practices -and my account was never x30, x60 ; I can only imagine the suffering that results from these abusive practices they freely and proudly employ on their customers ( elderly and perhaps other protected classes ).
Reg Z violation for how and when they actually ( delay and stall ) crediting payments to accounts. How all the extra time contributes to pad interest fee charges across a multi-billion dollar portfolio would be interesting to add up??
Then force them to return it all.
And last but not least, they are actively violating the Fair Credit Reporting Act ( FCRA ).
From the Important information about your account section, see the following, which omits at least ( 10 ) ten requirements/disclosures under FCRAE.g., right to free copy, right to dispute, timeframes, how to contact each credit bureau, full address, phone number etc, hmmm do they have any substantiative Red Flag Program, do they measure how effective they clear identity theft alerts, and that performance evaluated against any documented requirements, standards, policies?
Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be shown in your credit report. Tell us if you think we reported wrong information about you to a credit bureau. Write to us at XXXX XXXX XXXX, XXXX, FL XXXX. Tell us what information is wrong and why you think it is wrong. If you have a copy of the credit report that includes the wrong information, send us a copy.
Their governing agreements fail to define the following key terms : Payment received- Payment in process- Payment credited- When each form of payment is received by SB ( ach, check, electronic payment etc ) When, how and based on what specific account characteristics will SB suspend every available penny versus what their agreement describes, just the equivalent amount of the minimum payment amount due?
How are all of these high-risk processes measured?
I hope the regulators seriously perform their duty-bound due diligence at SB ; there simply isnt any tolerance for thisfrom a shoe store, let alone a financial center.
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| 04/09/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have asked Synchrony Bank to provide in writing their reasons for accepting or declining the Tender of Payment i XXXX XXXX XXXX had only received a phone call and they left me a voice message stating that the payment was sent to the back office and that they would be looking into the tender and processing that tender, i have not received any notices of any other kind.
XXXX : PROCESS REQUEST NUMBER - Contract # XXXX XXXX XXXX contract # XXXX AFFIDAVIT OF TRUTH THIS AFFIDAVIT IS SELF AUTHENTICATING BY WAY OF THE LAWFUL NOTIFICATION : FOR TENDER OF PAYMENT OFFERING RECEIVED ACCEPTED OR DECLINED IN WRITING I HAVE NOT RECEIVED.
Come now and notice that I the woman owner of said property acquired by purchases! havent received a letter [ s ] from the CEO or Controllers from the Back Office of Synchrony Bank, agency or corporation concerning the decline of the Tender of Payment Offer. Please provide in writing your legal and or lawful reason [ s ] for not accepting the government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. A letter from the Research Department is not the proper channel for this type of payment because they do not know what the Tender Of Payment is! Such is legal Tender for property and this card was used to secure such.
A copy of the Tendered payment was mailed to the US Treasury and received for you to retrieve payment! Please note ; In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the contractual agreement is the document that pledges the property as security for the loan.
3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged.
Thus all is dealing with property of State of the people and my private property.
ss # XXXX XXXX XXXX all calls are recorded IN THE MATTER OF ARBITRATION BETWEEN THE FOLLOWING PARTIES Arbitration or Meditation Demanded if there is threat of collections or taking of property hereafter the tender of payment has been offered thereto Synchrony Bank a XXXX XXXX Bank or XXXX Bank in concert with the FDIC and the United States Of America.
You are unlawfully demanding and or attempting to collect late fees and/or parents in violation of the terms of the agreement and the arbitration process as you have claimed a debt is owed after tender of payment, you are hereby order to cease and desist from any further attempts at such collection! If you continue to ignore the terms of the agreement, the daily penalty rate will insure for each day since the entering of agreement and the default of infraction. A request will be made to the Arbitrator to adjust the award as a result of the calculations not previously taken into account by the soon to be arbitrator, as is permitted via the Federal Arbitration Act 9 USC 1-16.
Please note this is a legal tender and not a fictions currency but back by the " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83.
Therefore tender of payment or The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Therefore this is lawful money and United States Currency and not illegal
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| 07/14/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Problem with customer service
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Web |
Servicemember |
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THIS COMPLAINT IS SPECIFIC TO MY CARE CREDIT CARD WITH SYNCHRONY BANK. WHILE IT MAY INCLUDE SIMILAR THEMES ARE PREVIOUS COMPLAINTS, IT IS NOT A DUPLICATE COMPLAINT AND SHOULD NOT BE CLOSED AS SUCH. CLOSING THIS COMPLAINT AS A DUPLICATE WILL ONLY RESULT IN NEW COMPLAINTS BEING FILED UNTIL THE ISSUE IS RESOLVED.
ISSUE 1. Most transactions on my Care Credit Card were placed on promotional terms for deferred interest, however those promotional terms were selected for me and at no time was I ever presented with any/ all of the available options for promotional terms at the time of purchase. This means others made decisions about those financial transactions on my behalf without authorization. While the promotions XXXX seem like a benefit for me as a cardholder, each of those transactions had multiple options for promotional terms and I should have been the only one that chose which terms were right for me.
In the terms that govern my Care Credit Card, it states " At times, WE may offer you special financing promotions for certain transactions ( special promotions ). The terms of this XXXX apply to any special promotions. However, any special promotional terms that are different than the terms in this XXXX will be explained on promotional advertising or other disclosures provided to you.
It also states " Offers are subject to credit approval. These promotional offers may not be available at all times for all purchases. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered '' and indicates the possible options for promotional terms are 6, 12, 18 or 24 months with no interest if paid in full.
At no time have I ever received any promotional advertising or other disclosures that would have informed me of the terms of these offers. When I have contacted the credit issuer about my concerns regarding the arbitrary choice of terms they selected for me ( all were either XXXX or 12 months ), their failure to disclose the terms of those promotions, and my demand that I be able to choose from the options for promotional terms that were available at the time each purchase was made, their representatives have repeatedly tried to deflect responsibility for those decisions and disclosures onto the merchants where the purchases were made. The problem with their weak, unethical attempt to shift blame is the fact that they made it very clear in the terms of the card itself that " WE may offer you special financing ... '' While one agent tried to argue with me that " WE '' meant " Synchrony and the merchants '', this would not be how Synchrony has defined " WE '' in the cards terms, where they state " Synchrony Bank may be referred to as we, us or our ''.
Issue XXXX. On XX/XX/XXXX Synchrony made the decision to close all my accounts I had established with it, using the vague excuse that reason for their decision was " Activity on account ( XXXX ) with Synchrony Bank indicative of high risk of failure to pay '', however even though I have made many attempts to get specific information on what actions they are talking about, Synchrony has failed to provide clarification. Knowing that I have done nothing to violate the terms of each card agreement between myself and Synchrony their actions have left me seeking justification. While they have not specifically provided me with such, now that time has passed, it is beyond clear what their intent was in closing my accounts. Allow me to explain ... As a result of Synchrony closing the XXXX accounts I held with them, my credit score dropped XXXX, XXXX, and XXXX points with the XXXX major bureaus. This substantial drop caused my credit rating to drop from " Good '' to " Poor '', leading other credit providers I had relationships with to believe I had become a greater risk than I actually am, so several of them lowered the amount of credit they were will to extend to me, with one of them also deciding to close the account I held with them. In total on top of the amount of credit I lost when Synchrony closed my accounts, I also lost access to {$58000.00} of credit from other credits thanks to Synchrony. Add that to what Synchrony itself took away and my access to credit dropped {$110000.00}.
Why is this important? By causing all this damage to my credit profile Synchrony has destroyed my financial situation and ironically has now made me a high risk of failure to pay. It is my assertion that Synchrony has done this for its financial benefit. By knowing destroying my financial stability, Synchrony knew they would leave me unable to payoff the {$18000.00} in purchases that currently have and are accruing deferred interest, before the promotional terms expire, thereby earning them tens of thousands of dollars in interest they would not have gotten had they not done what they did.
Issue 3. By denying me the right to make my own credit decisions, as is outlined in Issue 1, Synchrony was setting up the scheme they intended to carryout that's detailed in Issue 2. They've known all along they intended to create this opportunity to fleece as much money as they could from me.
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| 11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt.
In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is EQUIFAX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification.
In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer.
Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate.
In numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity.
The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
This creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.
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| 11/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I am a XXXXn XXXX customer and have been for over 13 years. XXXX has a permanent splash page advertising their XXXX Visa Card offered by Synchrony Bank. I typically don't use credit except for the reward benefit as my wife and I do not carry a balance on any revolving credit card we own. The entire purpose of the card was for the benefits in that the reward dollars accrued could be applied to our XXXX Wireless bill and the monthly benefit or savings we received for setting up autopay using this Visa. For months the card worked brilliantly and we averaged between $ XXXX {$140.00} per month that we used against our phone bill. In XXXX of this year, we took advantage of some promotional offers through XXXX XXXXo purchase new phones and we additionally added lines for our parents -- extending the same benefit. We had owned our phones and hadn't had any issues for many years. The entire upgrade and additional lines was a problem which we spent countless hours trying to resolve with XXXX and those indeed were resolved. One issue that was created from an IT solution -- a solution that was not my choice, was not part of any offer or benefit to me and one that wasn't explained in any way to me -- was that to resolve an activation issue on a new phone, XXXX created a " sub-level '' account. How I understand this is if my account number had been XXXX, creating a sub-level account would now reflect this account as XXXX. When this occurred, it disassociated the XXXX Visa card from the XXXX Reward program which is the only way that these reward dollars can be redeemed. Nor XXXX or Synchrony have any alternative for reward redemption except XXXX 's reward program through their application. I have literally spent well over 50 hours on the phone XXXX and Synchrony since to resolve this issue -- all to no avail. Each time I call I have to re-explain the issues, most of the time I'm dealing with people who don't understand this issue and offer solutions that have been exhausted. In XXXX, i finally asked XXXX while they were " working '' to resolve the issue to apply the reward dollars that I had accrued from XXXX that had not been redeemed due to the ongoing issue, to be applied against my Verizon Wireless bill. After multiple efforts to effectuate that, XXXX applied over {$500.00} in credit to my wireless bill and I had acknowledged that I would no longer use the Verizon Card for future purchases until the issue could be resolved. To " fix '' the issue and " help '' XXXX since they couldn't resolve the issue, I applied for the Verizon Visa Card through the XXXX XXXX XXXX as advertised. I was approved and we began using the cards as soon as we received them. The issue that exists on my husbands account, is also preventing me from redeeming the rewards we accrue. I again notified XXXX and Synchrony and have since been emailing and calling them for resolution. I'm assured that they've " escalated '' the issue higher and that ill receive weekly updates ; however they don't follow through with their promises -- prompting further calls and emails from my husband and I. My husband emailed XXXX XX/XX/2021 indicating that we were going to discontinue use of the XXXX cards immediately. He requested a credit of the {$440.00} that has accrued since the XXXX credit for both my husband and I and emailed them the monthly statements for both. My XXXX bill/rewards has not been generated however if estimated to be over {$100.00}. He advised that we would not ask for XXXX 's rewards for a bill he hasn't received ; however that he needed credit to my wireless bill immediately and although they failed to resolve the issue, we would be " satisfied '' as it relates to our grievance and not pursue the issue further. We have not received a response at this timeXXXX XXXX and Synchrony advertised a benefit that we are not realizing. My husband and I have spent countless hours patiently trying to resolve this issue. We now have XXXX accounts with inquiries and a new tradeline that has an impact to our credit. If we close those accounts, the inquiries remain and the closed accounts reflect negatively to our bureaus. My husband and I are upholding the end of our agreement. We've never carried a balance, we pay purchases and transactions almost immediately after we've charged them, we make numerous payments each month against those transactions. XXXX and Synchrony are not holding up to their representations and warranties or terms and conditions of use. The level of " service '' and response t this is appalling. My time on an hourly basis is the same or more than the entire month 's reward total and they have required me to spend these countless hours frustratingly trying to resolve their issue and hold them to the terms and conditions we agreed to when we entered into a cardmember agreement. I'm certain I'm not the only one dealing with this. Recently I've been made aware by both XXXX and Synchrony that they're aware that an issue exists ; however have yet to remedy it or be proactive with their customers to offer some good faith measure to mitigate their frustration or actual damages.
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| 01/01/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The companies included in this is Synchrony Care credit and XXXX animal emergency.
On XX/XX/XXXX I brought my cat XXXX to XXXX animal emergency clinic because he wasn't eating or drinking, When we got to this clinic he was taken into a room and looked at, they said he needed to be in overnight for evaluation but I wanted to take him back and just bring him to a normal clinic in the morning but they were being pushy on not letting us just bring him home. We didn't have the money which they wanted for him to stay overnight which was XXXX and they told us about care credit so I applied because of the emotion I was feeling and being pushed about it. When I applied to care credit It had a page in the contract stating that if the pet or the one being treated died within a certain time payment would be voided and not taken because of the death. I signed for the care credit and used it for rockets treatment. When paying for everything in the clinic I signed documents approving the transaction and other things but never received copies of what I signed, I was being rushed to sign these documents and wasn't given a chance to even read them, I was being pushed to sign other things while signing the payments I never got to read or a copy of as well. I left soon after because rocket was signed to stay overnight for treatment. My boyfriend who was the co owner of rocket called them about XXXX hours later and was told that they got rockets blood work back and that everything was fine so we went to bed thinking rocket was ok. The next morning We gave them a phone call at XXXX XXXX and were told that rocket was eating drinking and urinating normally again and he was being active so we had high hopes to get our kitty back. We were expecting to get a phone call later that day because we were meant to pick him up later that day at XXXX, but never received a call. We started calling them at XXXX that afternoon and were told we would get a phone call in XXXX minutes from the vet who was in charge of his care, we never got that call so I called them back and they said wait another XXXX minutes, never got that call so called them back and they told us to wait another XXXX minutes, about half way through we decided to just go get him because they never called us the whole time he was there it was us calling them then they were refusing to call us about an update on rockets health. I gave them another call and said we were on our way to get him and were told ok they would give us a call still. We lived about XXXX minutes away from that clinic and took us an hour to get there because of traffic and never received a call. we walked in and demanded to get him and he wasn't ready despite us telling then to get him ready. Took about XXXX minutes for us to see him and when we did they wouldn't let us take him out of his crate. they went over bare basic things like what they gave him what they fed him. They fed him wet food and we specifically told them he doesn't like wet food much less the flavor they were giving him they shrugged it off. We got only XXXX document back when we left, which were a receipt of what we paid and what was credited back, the medicine and I paper explaining his discharge. Nothing else despite us asking for vet recommendations and how to give him the medication. I have a recording of the night we picked him up conversation but the file is to big. We brought him home and got him out the XXXX crate but he couldn't walk, he was able to walk a bit before we brought him. he wasn't eating or drinking. we were trusting the process and gave him his meds and went to bed after cuddling with him. the next morning I woke up he had a XXXX, so we rushed him to a local clinic where we were told he had XXXX XXXX and passed away. we were never told at XXXX animal emergency he had kitty XXXX which is impossible to cure at his stage. We never got any document from XXXX XXXX emergency until it was to late. I got a call 2 days later and was able to get his records. Which I sent in the files, It shown his bloodwork was terrible, and stated that the clients/ us were expressing financial issues which leads me to believe they neglected him because we couldn't pay and they refused on payment plan options. We believe they malpractice against rocket which resulted in his death early. I have sent all this information and documents to care credit multiple times but they deny my dispute and are treating it like a payment dispute. as I mentioned earlier when I signed to care credit we had sometime saying if the one the payment was used for dies in a amount of time payment would be voided, they said they never had that despite me signing it. unfortunately I didn't receive a copy of what I signed from care credit neither which I should have received. I believe that XXXX animal emergency killed rocket because of malpractice and that Synchrony care credit is being not only insensitive but going against what I signed and denying my disputes.
I have reviewed the synchrony care credit but they won't show my full number and I never received my card so I only have the last XXXX digits
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| 07/18/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX D.O.B : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To whom it may concern, SYNCHRONY BANK , I am putting you on notice that you have violated my rights as a consumer. The charged off account you furnished on my consumer credit report is inaccurate and you have written off this charged off account on your taxes and received a tax credit for it. In addition to getting a tax credit for this cancelled debt you then sell the cancelled debt to a NON-AFFILIATED DEBT COLLECTOR ( XXXX XXXX XXXX ) this violates 15 U.S. Code 6802 ( b ) ( A ) ( B ) ( C ) you literally shared and sold my personal identifiable Information, my name, my address, my phone number, and my social security number with a complete stranger without my consent which is identity theft for additional profits. Once a debt has been canceled by the lender and the lender has written that debt off on their taxes and received a tax credit for that debt it can not be sold to a NON AFFILIATED third party debt collector for additional profits because the original creditor has written off the debt and received a tax credit for that debt and they are required to send the consumer a 1099-C that they must file on their federal income tax return because the account is no longer a charge off or debt it is now gross ordinary income as defined by the IRS. The consumer must file a 1099-C that they receive from the original creditor on their federal income tax return even if the consumer does not receive a form 1099-C, from the original creditor they must report the cancelled debt as gross ordinary income on their federal income tax return. The consumers income is not a part of their consumer credit report. The original creditor ( SYNCHRONY BANK ) and the debt collector who they sold the account to ( XXXX XXXX XXXX ) have fraudulently furnished inaccurate accounts on my consumer credit report. The IRS considers a cancellation of debt or charge off as gross ordinary income which must be filed on the consumers federal income tax return. The fraudulent actions of the original creditor ( SYNCHRONY BANK ) along with ( XXXX XXXX XXXX ) the debt collector they sold the account to has caused me and my family financial stress that has affected our general mode of living this is a a nightmare! I would like the CFPB to investigate the actions of these two companies their actions violate multiple consumer laws that they continue to ignore and refuse obey. The U.S. CONGRESS put consumer laws in place to protect consumers so that the proper authorities will enforce them and bring to justice the violators that break them!
( The lender must file Form 1099-C and send you a copy if the amount of debt canceled Is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter1.
The above paragraph is taken directly from IRS publication 2021.
INCOME DOES NOT GET REPORTED ON THE CONSUMER CREDIT REPORT!!!
SYNCHRONY BANK AND XXXX XXXX SERVICES HAVE VIOLATED : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
I demand that you delete this erroneous and inaccurate account now from all major consumer reporting agencies!
XXXX XXXX
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| 12/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I opened a Care Credit account from Synchrony Bank to pay for a medical procedure which had a 12 month interest free promotional period. When I enrolled in the account, I was prompted to set up e-billing and automatic payments, which I did. Despite making all automatic payments on time and in full, I was charged a large deferred interest fee at the end of the promotional period, and I was not proactively notified that this fee was about to be charged. This is because the automatic payment amounts did not cover the full balance by the end of the promotional period, and because with e-billing I was not sent any notification ( e.g., by email ) stating that the promotional period was ending and I needed to pay off the balance to avoid deferred interest payments. In order to find this information, I would have had to log into their account portal ( consumercenter.mysynchrony.com ) and download my statement. I did not visit the portal because I had enrolled in autopayments and believed that making them would be sufficient to avoid penalties. I also thought that I would have 12 payments in the promotional period, but this was not the case, because I did not receive my first statement until 60 days into the promotional period. Instead, my promotional period expired after only 10 payments ( 10 months ).
Had I known I was about to be charged a deferred interest fee, I would have paid the balance in full at that time. I called Synchrony Bank as soon as I notic
ed that the amount of my automatic payment had increased ( because of the large deferred interest charge being added to my balance ), and not only did they refuse to allow me to pay down the original balance and remove the interest charge, but they repeatedly lied to me, and when I asked to be " escalated '' ( their term ) I was just passed to another person with the same title ( Account Manager ) - I spoke to four of them over more than 1h 30min. When I asked for other options, I was told I could send a fax to " General Inquiries and Correspondence '', and I should receive a response in 1-2 billing cycles ( 30-60 days ). When I asked an Account Manager if I could speak with someone other than an Account Manager who is more senior, they initially said " no '', and after I pushed, they said I could request a call-back from an " Admin '', which should happen within 3-5 business days. When asked if I could call an Admin directly at a different time of day, I was informed that Admins have no set hours of availability, but there should be one available at XXXXXXXX XXXX EST the next day. However, they could not say until what time that person would be available. In short, Synchrony Bank made it extremely difficult to try to get a resolution to this problem.
I believe this system is set up deliberately to make it highly likely that consumers will not realize their promotional period is about to end and they will be charged a large deferred interest fee, for at least XXXX reasons : 1. When opening an account, consumers are encouraged to enroll in e-billing and set up autopayments.
2. Autopayments default to an amount that does not pay off the full balance within the promotional period, and this is not explicitly disclosed to the customer.
3. Electronic billing does not provide any proactive notifications, but rather requires that the customer log in to their account and accesses a statement. No specific communication is sent notifying customers of the end of a promotional fee or of the deferred interest fee being charged.
4. Notifications of fees or promotional periods ending can only be set up proactively by customers at a different time than when the open the account and/or set up e-billing and automatic payments ( and their customer service people reached by phone can not guide you on how to set them up ).
5. They have a " no exceptions '' ( terms and conditions of all agreements must be followed and no changes to fees can be made ) customer service policy, while many other banks will work with customers to resolve credit card fee disputes if they are raised promptly and in good faith by the customer.
6. Their customer service people use deceptive language and have prepared, evasive answers to deal with complaints about their system guiding customers to end up with large interest fees even when they make all automatic payments on time, about proactive notifications of promotional balances ending not being provided, etc. Further they have an opaque, frustrating escalation process to make it extremely difficult to reach a person who can actually resolve a problem ( likely with the hope you will just give up ). Further, detailed terms and conditions ( which I requested from customer service ) for the credit account, enrolling in autopayments, and enrolling in e-billing are not available on the customer portal website ( XXXXsynchrony.com ) with statements and account balances. Rather they are only available on a separate site ( synchronyXXXX XXXX. When I asked to be emailed, I was told they can only send them by mail, and it will take around 60 days to receive them.
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| 01/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I am a first time homeowner, having purchased a condominium in XXXX.
In XXXX of XXXX, I opened a Synchrony Home Design credit account in order to pay for critical housing repair expenses and several concurrent renovations. The timing resulted in two separate balances on the card ( after initial payments made with funds available ) ; about {$3000.00} for a plumbing leak and replacement bathroom fixtures, and about {$9400.00} for new heating and air conditioning systems.
The {$3000.00} rate was placed on an 18-month deferred interest plan, expiring XX/XX/XXXX. The interest rate when the promotion expires is XXXX XXXX. The {$9400.00} charge has a fixed payment reduced APR of XXXX XXXX.
This year, after receiving my tax return, I intended to use it in order to pay down the remaining balance on the deferred interest balance first, to avoid being charged the full interest accrued when that promotional rate expired XX/XX/XXXX. After some research online, I determined that according to the CARD Act, a credit company must put any payment over the minimum monthly to the balance with the highest interest rate.
With that information, I placed an additional, separate payment of {$400.00} onto the account during a billing cycle where I had already made a minimum monthly payment of {$190.00}. That payment was not applied to the deferred interest rate when the payment posted during the next billing cycle. Synchrony advertises a 60-day window after a payment to apply it as you request. On XX/XX/XXXX, I called their support number and requested that {$400.00} payment, filed on XX/XX/XXXX, be allocated to the deferred interest rate. On the same phone call, I provided my bank details to allocate an additional payment of {$1800.00} to be made to the deferred interest rate balance, which would pay the sum total of {$2200.00} remaining on the deferred interest rate plan. I made sure to clarify on the call that these payments should both be applied to the deferred interest rate balance. The representative told me he applied those changes.
Once that payment posted, I checked again and determined that these payments had both been posted to the 9.99 % APR balance, rather than the deferred interest rate. I called their customer support again XX/XX/XXXX, who initially told me that these payments had been posted to the deferred interest rate balance. I informed the representative that I had my online statements open in front of me, and I could see that these payments had already posted, and they had been applied incorrectly to the 9.99 % fixed payment reduced APR balance. The representative placed me on a brief hold and then informed me that both the {$400.00} and the {$1800.00} payment had been applied correctly to the deferred interest rate balance with a promotional period ending XX/XX/XXXX. Those changes have not posted or been reflected on my balance as of yet.
To my understanding, the CARD Act specifies two provisions for promotional/deferred interest rate plans : One, that any payments over the minimum monthly payment must be allocated to the highest interest balance.
Two, that for the last two months prior to a promotional rate expiring, all payment over minimum must be allocated to the promotional rate balance.
This period has not yet arrived, but given my above-stated experience I do not trust Synchrony to follow the law. It may be argued that Synchrony 's actions are currently within the law, as the current interest rate on the {$3400.00} balance is an effective 0.0 % until the deferred interest rate expires, but that is beyond my legal knowledge. It may also be argued that the option to apply payments via phone call to a specified balance is available ( if deliberately obfuscated ), they are compliant with legal requirements for providing payment to the highest interest rate first. Again, this is beyond my understanding as a lay-person.
However, as I received verbal confirmation on recorded telephone calls that my payments had been applied to the deferred interest balance, specifying and confirming that they were to be applied to the promotional interest rate expiring XX/XX/XXXX, and I confirmed that these payments had not in fact been allocated correctly, I believe Synchrony has operated in bad faith with full intent to minimize any payments applied to the deferred interest balance, in order to maximize their revenue when that promotional rate expires. At this time they may well have corrected the issue after my second phone call ( made XX/XX/XXXX ), but I have no confidence this is the case. No changes to correct the issue are yet visible on my account, if they have even been made. Even if it is corrected, I believe their previous actions demonstrate a clear and intentional violation of CARD Act provisions for consumer protection.
The confirmation numbers for the two payments are as follows : {$400.00} submitted XX/XX/XXXX : XXXX {$1800.00} submitted XX/XX/XXXX : XXXX Both of the aforementioned phone calls to the Synchrony customer support line should be recorded by Synchrony for validation purposes.
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| 04/28/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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This complaint is actually about deceptive practices of Lowes home improvement stores.
Unfair and Deceptive Practices Act issue.
I cancelled an order that was originally charge to the Lowes credit card and I just wanted a full refund. Which IS WHAT THERE POLICY SPELLS out for major appliance purchases. the following email is what I send to " XXXX '' today.
I ordered a washer and dryer on XX/XX/XXXX from the XXXX XXXX XXXX store for delivery the next day.
I tried to pay with a check from XXXX XXXX with my name on the check and address ( the check was a an interest free balance transfer type check ). No one at the customer service desk knew how to process the check.
A friend who was visiting offered to let me charge it to her Lowes cc which she didn't have with her but they looked in up. it was actually my ex wife and weve done this before with her Lowes card.
Next day both washer and dryer come for delivery and both appliances were damaged. The washer has a leg broken off and the dryer has some significant dents. The odd thing is how two guys did not see any of the damage while they were still inside the truck. I refused both appliances.
So I called Lowes and said are you sending new appliances? but by Monday morning I decided the delivery was too fishy and I didn't believe that Lowes could send out TWO damaged appliances. I have ordered approximately 15 major appliances in my life and NEVER did i receive a damaged item.
So I cancelled the order online at about XXXX XXXX and got an email that said you order was successfully cancelled. The credit card will not be charged for canceled items. this was well within 48 hours ( actually Sunday didn't even count cause it was XXXX ).
Now I called the XXXX customer service number and they said well merchandise credit cards were mailed to me and there is nothing they can do. Then I called the store and they said merchandise credit were mailed to me and there is nothing they can do.
Why did the email say the Lowes credit card would not be charged????
On Tuesday XX/XX/XXXX i went to the store and the assistant managed XXXX said well we cant do anything. I said thats not Lowes written policy and thats not what the Lowes cancellation email stated. it gets worse. because these replacement store credit cards value also shorted me by {$100.00} compared to the original charge.
I called the store back and XXXX effectively hung up on me by transferring me to the fulfillment center. i was so frustrated I drove back to the store the same day and walked into the Store managers office. XXXX is his name. he had no solution for me.
I was told that they needed the original lowes credit card to refund the value on the replacement cards. but that was with my former spouse on the other side of the state. Either way it was NOT Lowes written return policy for major appliances.
Im skipping some details now but I talked to 3 asst managers after i got the replacement cards. Remember XXXX already hung up on me. and this guy XXXX was absolutely obnoxious and did not concede that Lowes was doing this replacement credit thing which DID NOT FOLLOW lowes own return policies for major appliances.
so this week I called the XXXX number 3 times and they tried to escalate with the fulfillment center and I got them to transfer me to that center ( the place XXXX tried to transfer me too ). I talked to XXXX and then she transferred me to XXXX and XXXX said well heres why we do this cancel and rebill thing. He said I could take the replacement credit and get it refunded in cash or used as a credit to other credit cards I owned. im thinking XXXX is XXXX XXXX.
So i drove back to the store after todays call and the store said XXXX is nobody and NO i can not transfer the value to another credit card.
NONE of this mystery is documented anywhere in Lowes website, or explained by store personnel or by the cancellation email that said cancelled items will not be charged to your credit card.
Basically EVERYONE lied to me at lowes. The store manager XXXX, XXXX and XXXX asst managers, the fulfillment center, and the people on the XXXX customer care number.
I shopped at XXXX XXXX a LOT for multiple decades and this nonsense would never have happened at all. All of the lowes employees keep pointing fingers elsewhere and keep trying to GET ME to talk to someone else. This has been going on since XX/XX/XXXX.
I worked in banking and actually used to work for Synchrony and I could not believe how dysfunctional Lowes is, in this case. HD would have called XXXX while I was standing there and refunded money after i canceled the order after I went to the store to complain about mysterious replacement credit mailed to me.
Once this is cleared up I WILL NEVER enter a Lowes store again.
Sincerely, XXXX XXXX p.s. I worked in XXXX XXXX for 40 years at large banks/ synchrony and was an XXXX for 20 years. this kind of nonsense are some of the things i used to blow up because the processes and people and CULTURE were seriously flawed. Well now I know Lowes culture is XXXX
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| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This complaint is based on violations of the Fair Credit Reporting Act by SYNCB/XXXX, XXXX, XXXX and XXXX.
___ On XX/XX/XXXX, I reviewed my XXXX, XXXX and XXXX credit reports and saw a derogatory account reported by SYNCB/XXXX. All three ( 3 ) of my credit reports contained damaging information that was contradictory to each other. It is not possible for information to be different on three ( 3 ) separate credit reports yet accurate at the same time.
___ On XX/XX/XXXX, I disputed the account with XXXX, XXXX and XXXX. In my dispute, I included the following : The creditor reported different information on all three of my credit reports, including the date of first delinquency, the high balance, and the payment history. Please delete this inaccurate account.
___ Between the dates of XX/XX/XXXX and XX/XX/XXXX, I received the results of the investigations from all three credit reporting agencies. The results continued to reflect information that was contradictory to each other, which can not be accurate if the information is not reported in an even and uniform manner. I have provided the following examples of false information that was verified and updated on my credit reports ___ Example No. 1 : XXXX updated the original charge off date to XX/XX/XXXX while XXXX and XXXX updated the original charge off date to XX/XX/XXXX.
___ Example No. 2 : XXXX and XXXX updated the original charge-off amount to {$1400.00} while XXXX updated the original charge-off amount to {$0.00}.
___ The results of the investigations conducted by the credit bureaus and the furnisher are both misleading and damaging, including false statements that I originally defaulted for different amounts from one credit report to another, and with charge off dates that are earlier on one report yet later on other reports. These inaccuracies all pertain to negative information which can cause the remarks to remain on my credit reports for longer than allowed by law. Finally, credit scores are further impacted by recent negative activity more than older negative activity.
___ SYNCB/XXXX failed to mark the disputed account as " disputed '' upon completion of their reinvestigation on my XXXX and XXXX credit reports.
___Based on the aforementioned facts ( and supported by the attached updates provided to me by the credit bureaus ), the companies in my complaint have engaged in the following violations of the FCRA : ___ ( a ) That SYNBC/XXXX violated the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies which is reflected in their inconsistent reporting.
___ ( b ) That SYNBC/XXXX violated the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to review all relevant information provided in my dispute to the credit bureaus ( including the fact that information can not possibly be verified as accurate if it is in direct conflict to information they provided to different credit bureaus ).
___ ( c ) That SYNBC/XXXX violated the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate information on my credit reports.
___ ( d ) That SYNBC/XXXX violated the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) ( i ) in that they failed to modify the account with a notation that it was disputed upon the completion of their investigation to one or more of the credit bureaus, as required by 1681s-2 ( a ) ( 3 ). The Tenth Circuit, applying XXXX, found XXXX argument insufficient to support an award of summary judgment, stating that a jury could reasonably conclude that [ the defendants ] decision to report the debt without any mention of a dispute was misleading in such a way and to such an extent that it can be expected to have an adverse effect [. ] Id. at 1186 ( emphasis in original ) ( quoting XXXX, XXXX XXXX XXXX XXXX ).
___ ( e ) That XXXX, XXXX and XXXX violated 15 USC 1681i ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute of inaccurate and conflicting information. If the credit bureaus had actually participated in the investigation and/or at least reviewed the furnishers records, the information would be reported in a consistent and uniform manner and not be in contradiction with each other.
___ In a recent decision in the U.S. District Court of MD, the court ruled that reporting inconsistent information to varying credit bureaus in response to a consumers dispute is a violation of the FCRA : This inconsistency between the type of account reported supports an inference of carelessness on [ Defendants ] part sufficient for a cognizable section 1681s-2 ( b ) claim. See XXXX, XXXX XXXX XXXX, at XXXX ( finding that alleged inconsistencies between information provided by the furnisher to different credit bureaus sufficient to survive a motion to dismiss ). Accordingly, XXXX XXXX XXXX motion to dismiss XXXX claims under XXXX ( b ) will be Denied. XXXX v. XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX. XXXX, XXXX ).
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| 08/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/XXXX I responded to an invitation in my XXXX app to apply for a XXXX credit card. I filled out the application for the XXXX credit card directly in the XXXX app, and the application was further processed by Synchrony Bank. After a few short moments I got the feedback within the app that more information was needed to confirm my identity.
Parallel to this I got a notification from XXXX and XXXX XXXX notifying me that SYNCB/XXXX had done a hard inquiry on my credit score/report. I was also notified that my score dropped with 6 points because of this inquiry.
To further confirm my identity I was required to upload : - a photo of a state issued ID card - a letter/utility bill with my address - a photo with my SSN.
Since I had just recently moved ( XX/XX/XXXX ) to my current address my Driver License still has my old address on it. When I went to the DMV after the move they gave me a little DMV Change of Address card which has my DL Nr and my new address written on it by hand and a DMV date stamp of XXXX
To fulfill the further ID verification requirements I uploaded : - a photo of my CA driver license together with the DMV Change of Address card.
- a photo containing a letter/bill from XXXXXXXX XXXX XXXXXXXX electricity and XXXX XXXX which both contained my name and my current ( new address ).
- a photo of my SSN card which contains my name and my SSN.
In the previous weeks I had also updated my address with my two bank accounts and had seen that my address was updated in both accounts and also in some of my online credit report monitoring platforms ( XXXX XXXX XXXX, XXXX ) so I didn't expect there to be any discrepancies in my application in regards to my address.
After uploading these documents and checking back in the XXXX app under the XXXX Credit Card offer section it stated something along the lines of 'Application in process - Currently Verifying your documents '.
A few hours later when I looked again, the XXXX Credit Card offer section was entirely gone. No notification, no email, no further information requested.
On XX/XX/XXXX I received a letter from Synchony Bank with the reference XXXX stating 'we are unable to approve your request at this time for the following reason : We were unable to verify your identity '.
I contacted XXXX, and they gave me the Nr of the Synchrony Bank Credit Card service that handles the XXXX applications and explained the situation clearly, and asked to be explained how it was that they could pull my credit report and receive my documents and still were not able to verify my identity. I asked if something was missing and if I needed to provide anything.
-The first time the Synchrony employee said she would connect me with the verification department but then while being put through the call was disconnected.
-The second attempt the Synchrony employee said that verification was done automatically and a denial is not reviewed by a person and therefore it is impossible to know why my identity was not successfully verified. In other words nothing she could do.
-The third time the Synchrony employee said he would put me through but in the end all he did was connect me with XXXX XXXX Customer service who in return said I can apply again earliest by XX/XX/XXXX but could not tell me why my identity wasn't verified either.
-The fourth attempt was similar to my first attempt.
The reason I am complaining about this, is not because I necessarily need a XXXX card, but because of the principal that large companies should not be able to get away with denying someone that has a decent credit score and no negative payment history ( or even someone with bad credit for that matter ) for reasons that are seemingly incorrect and vague ( since I provided clear photos of my DL, SSN and utility bills ) and without any way to find out what it was that was unclear or not successfully verified. Leaving the applicant with merely a ding in their score ( 6 points drop in my case ) and a hard inquiry which remains on their report for 24 months.
Since I know that they successfully performed a hard pull on my credit score/history and that they received clear photos of my CA DL, my SSN and two utility bills/ letters with my current address it seems unfair to deny my application with the reason they gave me and not providing any further information or possible way to provide more proof of my identity ( they could have asked for my Passport or Permanent Resident Card and I could have provided these ).
At this point it seems they could just as easily denied my application because they don't like my name, or my face on my ID card. For if it was a piece of information missing in my ID verification they could easily request this and I could provide it. And if it was my credit score ( XXXX in XXXX and XXXX in XXXX XXXX score - prior to their hard pull ) they could have stated that as the reason.
Thank you for reading my extensive statement, and I hope you understand my point of view. Kind regards, XXXX XXXX from XXXX XXXX, CA.
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| 06/15/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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XXXX XXXX - Funds pending ( {$5000.00} ) from my XXXXXXXX XXXX account at XXXX to Synchrony Bank XXXX XXXX - Synchrony Bank restricted my High-Yield Savings Account XXXX XXXX - Funds transferred ( {$5000.00} ) from XXXX to Synchrony Bank I don't know exact dates after this, but I began communicating with Synchrony Bank back in XXXX. For the majority of the about 50 calls now that I have made to them, they have been EXTREMELY rude and disrespectful, abusive and cruel. They have generally refused to give me any information about why the account has been restricted and how to unrestrict the account.
Only within the past two weeks, on XX/XX/XXXX, did I finally get a man ( a very awful, nasty man [ who is in the audio recording ] ) in the Fraud Department to tell me that the account has been restricted because I " committed fraud '' - although I did not. That is a very egregious accusation and it has nothing to do with the truth. When I asked him for his definition of what fraud is, he told me, verbatim, " Fraud is something illegal. '' When I pressed him to elaborate, he told me that because I am not the owner on the account from which the funds were transferred, that is fraud. In fact, to qualify as fraud, the behavior must include willful deception for personal gain. I have only transferred money from the account into which I first transferred the funds from a different bank - and all of this is known by the account owner, my mother, XXXX XXXX. I am not the owner of the account, but my mother is. I am an authorized user on the XXXX XXXX account. No deception has occurred. My mother is aware of EVERYTHING and as upset as I am that Synchrony Bank is being so criminally abusive.
Accusing me of fraud with no true proof of fraud is fraud. Synchrony is the one committing fraud for the purpose of personal gain while they use my funds for their bottom line but refuse me access to my own money and try to tell me that I am not due the accrued interest for the passed time while they have held my funds in the High-Yield Savings Account.
When I told all of this to the awful man representing Synchrony Bank, he told me, " I'm not going to remove the hold on your account. '' When I asked him to perform another review and to call XXXX and ask them about my relationship to the XXXXXXXX XXXX account, he would not confirm forthrightly, so I do not believe that any further investigation witll be done. His idea of an anti-solution was to tell me that the funds in the original amount need to be retracted into the XXXX account WITHOUT THE ACCRUED INTEREST that is due on this High-Yield Savings account. About {$20.00} has accrued on the original amount by now as it has been close to two months. It will be closer to {$30.00} after two months. He also told me that the " review '' timeline can go anywhere from 30 to 60 days to beyond. He effectively told me that Synchrony Bank has had success in the past with this practice of stealing people 's money indefinitely without any blowback and that they will just steal my own money forever if they can get away with it. He told me a supervisor would call me back but wouldn't be available because of travel until XX/XX/XXXX. Then, later that same day in the evening a supervisor called me and left a message to call back the main customer service line. All of this is misguided abuse. Synchrony Bank is an unlawful bank that abuses its clientele.
If Synchrony Bank falsely accuses me of fraud, refusing to correct its error in the face of the truth and uses this false accusation of fraud as a means by which to withhold the accrued interest which I am due, Synchrony Bank is the criminal in this situation - committing fraud by falsely accusing fraud and for the purpose of withholding due accrued interest in a violation of contract terms, benefiting its bottom line while violating contract terms and refusing to payout the interest that is due. They have told me multiple contradictory things - that the money would be sent back to XXXX by Synchrony and that the money must be retracted by XXXX. Synchrony has not returned the money nor the accrued interest. Ultimately, Synchrony has done nothing to resolve the situation.
NO ONE deserves the abuse to which I have been subjected by this very vile bank -staffed, in my experience, entirely by malevolent people who have no interest in the truth.
I spoke to a different representative, for example, on Monday, who promised to call me back this morning, Thursday, XXXX XXXXXXXX XXXX XXXX XXXX EST, but never followed up. I am literally physically sick from the abuse. This has been very distressing for a long time now.
I am a victim of theft as it is from my perspective. Synchrony Bank has stolen {$5000.00} from me since XX/XX/XXXX and with a flagrant disregard for the law, the truth, and all basic human decency.
Synchrony Bank is cruelly criminal.
Please review the audio recordings here : Synchrony Bank Accuses Me of Fraud XXXX : XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
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| 03/14/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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In XXXX, my boyfriend and I relocated to Oregon to take new jobs offered to us in XXXX. We spent a number of months searching for a home, and finally found the right place in XXXX. While we make a good living ( I am a XXXX with a XXXX XXXX XXXX XXXX, and he is an XXXX at a local financial institution ), we are like every other consumer - working on a budget, and searching for the most affordable way to live our lives. As part of our new home, we were buying new furniture, and were spending days and days out visiting local businesses searching for the right quality at the right price.
We spent considerable time searching, and eventually landed at Ashley Furniture in XXXX. We were greeted by XXXX XXXX, a sales representative there, and later her manager ( a XXXX gentleman presumably around the age of XXXX whose name we could not capture ). Both, at first, were very helpful. Within minutes of walking into the store, XXXX informed us that Ashley Furniture was " really pushing '' their Synchrony Credit Card at this time, and stated that " if you finance with us you get 50 % off, and if you purchase a mattress as well, that can get up to 65 % or even 70 % off. '' Needless to say, this was an offer we wished to maximize.
My boyfriend, being a finance XXXX asked a number of pointed questions, to be absolutely certain that the offer was in fact legitimate, and was regularly told " yes, we're serious, 65 % off. '' We asked about conditions and contingencies upfront, and even have a comprehensive email chain regarding such with Ashley Furniture ( snapshot attached ) which further solidified the guarantee of 65 % off. At one point, we even asked clearly and pointedly, " are there any conditions to this offer, '' and were informed " no conditions, you just have to buy a mattress and the mattresses can't be discounted because we don't control that pricing. '' Fair enough. We proceeded ahead fully excited about the offer.
We visited Ashley Furniture five times over the next three weeks - spending hours with XXXX and her manager. We eventually agreed to purchase nearly {$60000.00} in furniture XXXX {$21000.00} after the discount ) and were thoroughly excited. It was the best furniture deal we had ever seen, and having the Ashley brand behind it, as well as the email guarantees solidifying price, we agreed to proceed. At this point, we began finalizing the deal, to which we found out that Ashley had included a " furniture service and warranty '' program for {$1500.00}, as well as an adjustable base for our new bed which we had never agreed to. We immediately told them we had no need for these items, and asked that they remove them from the transaction. They said " ok, no problem. '' They showed us the new total, and we agreed.
At this point, XXXX and her manager sent us to the finance area to complete the securing of our financing ( it is a Synchrony co-branded PLCC product ), under the agreed terms, which we did successfully. We then made our initial payment ( as one item needed to be paid for separately since it was coming off the floor at another store ) and we waited for our final delivery paperwork.
It was at this point when XXXX and her manager approached us, and told us " we just got off the phone with our Regional Manager, and we can only do 45 % off, so your new total is {$25000.00}. '' We expressed extreme dissatisfaction, and my boyfriend began informing them that this was not only fraud, and a typical bait and switch, but further let them know that given that they had attached financing to the offer that this was a clear UDAAP violation and an issue to be taken up with the CFPB. They said " well if we give you this deal we're get fired, so this is the deal. '' We then reminded them that they had confirmed the deal in writing, we explained that this was bad business, and they just stood there looking at each other and said " this is the deal. '' We then informed them that there would be a detrimental effect to my credit, given that I now had a hard inquiry on my bureau 's which would remain for at least two years, and that they had caused material damage to my credit even though they knew that we had confirmed the agreement before they told me to secure the financing. They showed no remorse, conceded that they were deceptive, and further agreed that their regional manager " was a scumbag, '' completely passing the blame to him/her.
Perhaps even worse however was the fact that they had said they would see what they could do the next day about helping with the credit bureau or Synchrony ( regarding correcting and removing the inquiry and account ), but they never reached out. They never responded to our emails. They never returned our calls.
They wasted our time, they were fraudulent, and as the manager supported the actions of the employee, it could be argued to be willful negligence. I need help in getting this corrected. They lied, they caused material harm, and they showed no remorse and offered no corrective action. Please help us correct this.
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| 11/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name.
They got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though.
At some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the spring of 2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months.
I did attempt to file a police report in XXXX of 2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ).
I have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however Equifax absolutely refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block 5 fraudulent accounts from my report.
They have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 2 months taking up dozens and dozens of hours of my time causing me to lose time at work and money.
I reported the accounts that were fraudulent to them and were needing to be blocked back in XXXX of this year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days ). I called and pleaded with them several times during this 30 day period, explaining to them the damage to my credit history and the problems it was causing me- but to no avail. I documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose.
I even signed up for a paid monitoring service with them, with the false impression that I would be assigned a specialist to help with me with the ID theft. They did nothing about it ; except waste hours of my time. Then, as the 30 days neared its end they claimed they needed my social security card so I sent them the card and attempted to get the accounts blocked again. ; now they claimed the copy of my drivers license sent to them was not sufficient ; so I resent that and called again ; but by this time they had opened a new reinvestigation despite the fact they had just supposedly concluded one a few days prior. They attempted to tell me I needed to wait another 30 days. Then, I spoke to a tier 2 supervisor who deferred the reporting to the creditors and told me I needed to call them all individually but provided me phone numbers that either were not appropriate or no phone number at all. ( I think this is also a violation of the FDCPA- a creditor reporting a debt without providing accurate contact information ). The very first creditor I spoke to ( XXXX XXXX for XXXX ) told me that they DID NOT have an account for me anymore reporting ( they had deleted it ) and they would be sending me correspondence.
This is proof Equifax intentionally lied to me. I am not sure why they are playing games like this and blatantly violating Federal Law. I do not know what they want from me? More money? This is not a joke or a game. This is my life and they are ruining almost every aspect of it. I am not asking for special favors I am asking that they obey federal law. It is my understanding they have been sued several times in class action law suits and also by an Oregon woman for XXXX XXXX dollars for exactly what they are doing to me now. You would think they would have learned from their courtroom losses, but here they are doing the same thing to other people.
Please help me.
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| 06/25/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I opened up a Amazon Store card with Amazon Prime " Synchrony Bank '' in XXXX. I started using their promotion for amounts of {$140.00} or more that can be paid 6mos. later with deferred interest rates. Interest is not supposed to be charged if paid by the 6mos. due date.
I opted to do this and have made payments over the phone or online by asking to have my payments specially allocated for the " promotional purchases '' that will be expiring on the day of the payment was made or before it was due.
I made sure that before making the payment that it would be allocated properly to the expiring promotional purchases. I have had issues with paying online because a month later when I call, I look at my statements and saw that I was charged interest for a promotional purchase because it was not paid off. I was then told that I should call to allocate those payments over the phone. That is what I started doing. I called each month to allocate and pay off the promotional purchases specifically.
However, I continued to have issues even though I had an associate help me allocate payments over the phone. The issue turned out to be that " somehow '' those payments were not paid off and I was charged interest. The previous associate had made an " error '' or something.
Sometimes I would call them to make sure that I didn't have any interest charged for just the expired promotional purchases. I know that I am charged little interest for my non-promotional purchases ( which is just like any other credit card ).
I would be assured by the associates that there was no issue. Usually the associates were from XXXX noticeable through their accents. It is only up until recently I noticed that Americans have started to answer the phone.
Couple of months ago when an American answered the phone and I asked have I been charged any interest on the expired promotional purchases in the past according to my account. I was told yes. I went ballistic because I was just asking to make sure and expected them to say no as the previous associates assured me. Many times my statement of whether the promotional purchases have been paid off and what the associates see from their system is not in line. They say something else so it makes me think that there is something fishy going on.
When I was told a couple of months ago that I was in fact charged interests on an couple expired promotional purchases, I told them that they had to go back from the inception of my account and when I first started using their promotion of pay 6mos. later for purchases made $ XXXX with deferred interest if paid in full by the dude dates.
They had only gone far back to XX/XX/XXXX - XX/XX/XXXX. They reversed nearly {$300.00} in interest rates that I should not have been charged. This issue went to their corporate and I was told that they had no information whatsoever about any payments I made toward my promotional purchases prior to XX/XX/XXXX. I said that that did not make any sense! How could they not have a record?
The associate said that they could not go back further to look and that they had no information on my account previous to XX/XX/XXXX. Worse is the fact that this was the second time I had asked their accounting team to go through my account to check for any charged interest on promotional purchases. They reversed some interest and told me they had thoroughly checked my account. But months later in XX/XX/XXXX when I called to ask if I was charged interest on my account for expired promotional purchases, they said that on such and such months I was charged interest for expiring promotional purchases.
The whole duration of my having this store card, I had paid off in full ALL of the promotional purchases I have made in the past without accruing interest. That was the whole point of my using their promotion so that I didn't have to pay interest for XXXX.
I asked them for a copy of my credit statements from XXXX of when I opened my card and up until now. They have access to that but not my " account '' information through which they can tell me whether I was charged interest for any expired promotional purchases. I have made XXXX purchases using their promotion offer. I have had many many arguments over the phone with them because my payments toward promotions did not line up the next month when I call to make sure it was applied correctly.
I am certain that I have more interest charged from past expired promotional purchases that they do not want to disclose or reverse, which is why they put a stop to it because they know they owe me money.
I am not happy with the fact that I was constantly charged interest on promotions that I paid off. I do not trust this company and I believe that they are refusing to go through my account from XXXX until XX/XX/XXXX because they practice fraudulent activities with their promotions to charge customers more interest. The company should have a record of how many times I have called to make purchases and notes.
Please help.
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| 02/13/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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I Received an unsolicited XXXX/Store/card in XX/XX/XXXX ( EXHIBIT 1 ), believing it to be from XXXX and being a long time member of XXXX XXXX, I placed an order of item/s of {$10.00} on XXXX ( EXHIBIT 1A and 1A1 ), and {$21.00} on XX/XX/XXXX ( EXHIBIT 1B1, 1B2 and 1B3 ). Total XXXX purchases ever was for {$32.00} using this card. No invoice was sent from XXXX or from anybody else, until I received a call from Synchrony Bank for late payment issues in late XX/XX/2018. I told them, I was expecting an invoice from XXXX for purchases, besides I did not apply for the XXXX Store Card from Synchrony bank, that their method of trapping customers by disguising to be what they are not, was unacceptable, the person I discussed this issue with, accepted my argument and waived the late charges so far, if I would pay {$46.00} immediately.
As per our discussions with the customer service persons, I agreed to make a payment, total of {$46.00} before the due date of XX/XX/XXXX ( EXHIBIT 1C ) and all late fees and charges would be deleted. I paid over the phone the amount of {$46.00} on XX/XX/XXXX, to bring balance to XXXX as should have shown on the next billing cycle of XX/XX/XXXX ( EXHIBIT 1D ). EXIBIT 1D clearly shows the transaction date and the post date to be XX/XX/XXXX, it also shows late fees and charges added on XX/XX/XXXX on top of the fees that were agreed to be deleted. At the time of what I believed to be the final settlement, on XX/XX/XXXX I informed Synchrony I was never going to use the card.
Over the course of about a week leading to the XX/XX/XXXX I spoke with several Synchrony Customer service agents, clearly stating my discontent as well as reason for not sending me the bill in time. No clear answer was given to me why they did not send me the bills prior to their call in late XXXX.
Synchrony bank continued to harass me for late payments so I called XXXX Customer Service to complain and ask if Synchrony Bank is part of XXXX, the response was, I have to deal with the bank directly. Then the only course for me was to report this activity to the three credit bureaus, since they were reporting as delinquent account and affecting my credit score negatively.
Payment History of Credit reporting record of all three bureaus shows in XXXX balance as cleared : - 1. XXXX as on EXHIBITS 2 shows Repayment History of XXXX indicates OK as per payment of XX/XX/XXXX, EXHIBIT 2A of XX/XX/XXXX shows " closed {$140.00} past due as of XX/XX/XXXX '', EXHIBIT 2B generated on XX/XX/XXXX shows " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. It also indicates payment of {$46.00} made on XX/XX/XXXX, contrary to my payment by phone on XX/XX/XXXX as acknowledged by Synchrony Bank in EXHIBIT 1D. Also the " Before your Dispute '' column of same EXHIBIT 2B, under status shows " closed {$100.00} past due as of XX/XX/XXXX '', whereas the " After Your Dispute '' column where the status entry and the amount seems to be redacted, only the " as of XX/XX/XXXX '' is showing. As of in EXHIBIT 2A the month of XXXX shows as OK.
2 XXXX, EXHIBIT 3 shows the same as EXHIBIT 2 above.
3. XXXX EXIBIT 4 has reporting issues ). The response to my dispute from XXXX ( EXHIBIT 4A ) states my dispute was verified as follows ; " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated '' The credit bureaus limited my explanation to less than one and/or two hundred words, so they claimed I did not explain enough, hence they reverted to Synchrony to investigate the issue and get back with them. This is like delegating a fox to look after sheep. Synchrony Bank being, a multi-billion Dollar institution and provider of Private label credit cards for companies such as XXXX should not continue to pray on unsuspecting consumers by sending unsolicited credit cards and by not sending invoices in a timely fashion. But after agreeing on a fair settlement, instead of closing the issue, the operatives of the bank chose to fudge the date of settlement to fall after the due date and bring back the late payments and charges, which was agreed to be waived.
No purchase using the card since the closing of the account by myself on XX/XX/XXXX, still the bank continues to claim it canceled my card, and continues to show the account as active. FROM THE ORIGINAL PURCHASE OF {$32.00} from XXXX, another giant, Synchrony Bank is working hard to make money fraudulently, from all charges showing manipulating the late payment of XXXX that we agreed to be waived, bringing forward to reflect in XXXX, and continuously have been adding late fees and subsequent charges of late payments to show current owed by me ( EXHIBIT 5A, 5B AND 5C ), and in all of them, the date of settlement payment is XX/XX/XXXX, and the latest fraudulent claim ( EXHIBIT 5C ) is for {$260.00}.
ALL COMMUNICATION with Synchrony Customer Service should be recorded with them
|
| 07/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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I have a JC Penny store credit card with Synchrony Financial Services which was opened on XX/XX/XXXX with a interest free promotion through XX/XX/XXXX. The original balance on the card was {$5400.00}. When I first contacted Synchrony on XX/XX/XXXX, I had a remaining balance of {$830.00} I requested a hardship relief due to the COVID 19 pandemic. I expressly did not cite COVID 19 when speaking with the customer service representative as I thought it was implied given that all financial institutions have been working with consumers to help them through these trying time. The representative communicated to me that she was unsure about whether the store promotion could be extended but stated they were granting at minimum a 1 month extension and she asked that I call back " sometime in XXXX '' and follow up on my request. In XXXX when I checked my account as directed to me by the agent, I saw that the accrued interest of {$2900.00} had been charged on my account. I called Synchrony XX/XX/XXXX to inquire about the unexpected charge. The supervisor was extremely rude and unhelpful. She refused to hear me and she cut me off and told me that she could not help and that I had to pay this amount. When I asked if I could speak to a supervisor, she said that she was the senior most person and that I would get the same response from any other supervisor. She eventually transferred me to someone else who agreed to look into my request for reconsideration. All I needed on that day was to understand why they did not give me an extension as communicated to me in XXXX and if there was a miscommunication from their side, that they would give me a few days to payoff the principal balance without charging me the accrued interest. On XX/XX/XXXX, I borrowed money from friends to make the payment on the remaining principal balance and late fee of {$560.00}. On XX/XX/XXXX I received a curt letter stating that they could not assist me and that I needed to pay the accrued interest. I called again on XX/XX/XXXX and spoke to a representative who declined to help me. I feel I was deceived by Synchrony Bank when they gave me a false sense of security that I would be given an extension to payoff my principal balance and had I known that I was being tricked by them I would have begged and borrowed from family and friends to payoff the small balance that was left in my account in XXXX. My sole reason for calling Synchrony a week before my last payment was due was to get hardship relief in the form of a promotion extension so that I would be able to clear my debt without interest.
On XX/XX/XXXX I called Synchrony again and the representative told me that she was very sorry that they had made an error and that I should have been given the promotion extension through XX/XX/XXXX. She transferred me to a supervisor who was going to reverse the accrued interest on my account which by then had increased to {$3100.00}. I was relieved that I was being finally heard but to my utter dismay the supervisor that got on the line told me that the charge was correct and she could not reverse it based on the notes she had on then account. She was condescending and extremely scornful and even went to the extent of accusing me of not understanding the terms of my promotion. When I asked to speak to someone else, she refused to transfer the call to another person and said that there was no one else who could help me. I asked her why she was discriminating against me and other customers who had received an extension through XXXX and she told me that when I had called for a hardship relief I had not used the magic word COVID 19. As I am an XXXX XXXX, I felt that my accent and my race may have played a role in the discriminatory treatment I had received thus far so I asked my friend XXXX XXXX to speak to the Synchrony that same day. The individual who came on the line stated that the team member who was supposed to research my case earlier in XXXX was unfortunately on vacation and that they would be listening to transcripts of the XX/XX/XXXX conversation and would get back to me.
I have been in a holding pattern since XX/XX/XXXX and in the meanwhile the charges are adding up. Synchrony has refused to reverse the charges and I am being charged interest on interest every single day that I am waiting for them to resolve my case. It is completely unacceptable that an institution the size of Synchrony is bullying and traumatizing a person who has faced unprecedented financial hardship due to this pandemic. Synchrony has conducted itself in an extremely callous, discriminatory and unethical manner. I feel that Synchrony has committed unfair and deceptive acts when inferring that I was eligible for a promotion extension and then not honoring it. Synchrony is also in violation of fair and responsible lending laws based on the fact certain similarly situated customers got an promotion extension through XXXX but I was refused it because I did not cite COVID 19 as my hardship.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX on my Consumer Reports.
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the XXXX major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by SYNCB/LOW will amount to Communication.
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX.
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.
15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.
15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures.
The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form 1099-C, you must report cancelled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate.
15 USC 1681 s-2 Says you SYNCB/LOW are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately!
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect/inaccurate information.
The lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS XXXX publication.
SEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.
|
| 12/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2021 I was trying to pay my XXXX XXXX bill on my online app.I received an error message to call customer services The first representative that I spoke with was XXXX I gave her my information and she stated to me that my account was closed due to fraudulent activity.I said since when? XXXX stated it was done on XX/XX/XXXX XXXX replied Today is XXXX XXXX, XXXX stated that a letter was mailed out to me on XXXX XXXX In which I explain to her I never received it but why didnt think of any bank call me immediately once they was notified about any fraudulent activity on my account. I am your Consumer and your customer, at this moment I feel as though my privacy had been breached. I stated to XXXX I have two other accounts with synchrony bank, where they affect it? XXXX stated to me no they werent. So at this time I am perturbation. XXXX stated they probably havent received the update paperwork? I said that doesnt make any sense you have documentation that it was fraudulent activity on my account you should close all of my accounts, but my other two accounts are open and active? I thought all of my accounts were under the same entity.Im calling in to make a payment in which I do every month.And I never will if I wouldve called if my account wasnt close through the web portal. But synchrony bank knew about this matter for six days and never reached out to me So at this point Synchrony bank is actually committing Fraud at this moment!!! By Excepting information in regards to me and my personal account information with synchrony bank.I asked XXXX well the documentation that you Currently have, is my wet signature on a document? XXXX stated to me I Can not disclose any information about this issue you need to call the credit Bureau.And thats what I did I called XXXX XXXX XXXX and XXXX and they all stated that they dont have any fraud alert or any reports about any fraudulent activity. I called synchrony bank back. I was transferred back to the Fraud department representative by the name XXXX, soon as he came on the phone he basically repeated everything that XXXX the previous representative said, so I explain to him when I got off the phone with XXXX. I called XXXX XXXX XXXX XXXX in which all of them stated there was no fraud alerts or any fraudulent activity that has been done on your accounts. So I stated to XXXX I didnt call My car in as lost or stolen so how is someone else able to call them or send any documentation to your department and have my account close? And why didnt Synchrony Bank , reach out to me concerning this matter Immediately, I Said XXXX XXXX me oh that was a letter sent out to you you should be receiving it soon as this so I am your Consumer your customer and Account holder. But have to wait for a letter? but something That happened 6 days ago. But some I know person can send over documentation About me and my personal information and have my account close so thats a form of identity theft!! XXXX stated it was XXXX XXXX who sent over documentation that my account was fraudulent and had fraudulent activity detected on there. I said well I just spoke to them and they stated they dont have any fraudulent Activity or any fraud alerts in reference to this account I even went on some out websites for all the credit bureaus and I didnt see any alerts either, So at this point my stress Beyond controllable, My anxiety was elevated cause Im so concerned about my credit report being affected by this damaging allegations And as you can see I have exceptional credit history for all of my accounts throughout the years.So XXXX apologize , stated your right maybe we need to review our policy and procedures on how we conduct Matters like this moving forward. Then he stated XXXX XXXX your account is completely closed and I asked Why arent all of my accounts showing the same status, Im still the same person on all of my accounts But only one is reported for fraud? that didnt t seems suspicious? The only XXXX XXXX was the one that sent all the documentation without my wet signature on there so how is that validated Synchrony bank did not call me to ask me any questions about this matter? So how was it for Verifiable, factual information? So XXXX Stated there was nothing he can do, my account is completely close and under investigation and once I receive the documentation by mail I have a certain timeframe to send it back so my old Credit card can be reinstated.I told XXXX XXXX worry about reinstating my car because I Dont want to be a part of a financial institution that do not value, respect, protect their consumers. I feel so embarrassed I feel so upset I feel totally depressed They put me in a XXXX XXXX, because I worked really hard to keep my credit and all of my accounts in good standings. Im definitely expecting to hear from the CEO of Synchrony bank XXXX XXXXAnd also Im seeking some form of compensation for the pain disrespect and suffering that I endured dealing with the situation. respectfully
|
| 11/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
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Re : synchrony bank ; Care credit - Rooms to go- Amazon - TJ Max Care credit card opened on XX/XX/XXXX has been open for 36 months plus, 35 Months of paying this card of atleast {$100.00} and one month of a {$1000.00} payment in XX/XX/XXXX, states that out of a {$4400.00} balance only {$900.00} has been paid.
When contacted They claim the interest was deferred when the rep for synchrony bank explained 12 months no interest at the same time I was approved for XXXX card which is the same for 6 months no interest. When contacted care credit stated I missed over 7 payments in the first year when I explained that was false and asked why it was reported to the credit bureau as paid the rep insisted it was falsely reported, I have proof the payments were made.
Also on a deferred interest account the interest can only be charged by the account balance, this balance was brought from {$4400.00} to {$2400.00} in the first year then back up to {$3900.00} when the differed amount kicked in, however the amount that was charged was the initial {$4400.00} interest amount 12 times and never lowered to the balance amount. They refuse to fix at this point it should be illegal and entrapment what they did to me I have numerous synchrony accounts that have never been like this because its a medical card they can just do as they please I have been paying this company from the same account and its shows over {$4500.00} given to them on a {$4400.00} balance for them to say {$900.00} is paid off, all attorney fees and damages will be filed in a lawsuit if this Can not be worked out This is complete insanity I never missed a payment they have lowered my limit 3x this year for no reason all false reasons listed and as I pay more they tKw more off my limit ruining my utilization and lowering my credit score at a time of need due to no fault of my own Rooms to go account recently closed for no reason, when original purchase was broke and switched out they changed my payment from {$25.00} per month to {$75.00} stated the 5 years no interest what I originally signed for was changed however no additional credit was added to my account w the purchase. They had no reason to do so, a recorded rep tried to tell me I have same payments per month and no longer a 5 year no interest to what was signed and agreed to. They also differed my payment in XX/XX/XXXX due to Covid I did not see it and made the payment 2 days late not only did they not differ my account like I have in writing as they claimed but they charged me a late fee after I called and asked they had told me no late fee was added my new payment was now {$100.00} from {$25.00} but it was a lie I asked them to give the payment back but to no avail.
AmaZon account synchrony bank broke the contract that was signed to and was charging me {$100.00} plus for a min payment of a balance at {$600.00} it was supposed to be one percent of the balance plus interest however my account balance didnt move again w this account. When bank was contacted it was admitted they broke the contracted agreement and charged me illegally for numerous months, they also lowered my limit for no reason at all. All my cards have 100 percent payment history and have not been used this year but they are destroying my credit by lowering all my limits with false reasons saying I put too much on my balances Recently when I can prove no card has even been used this year opened or anything.
Tj Maxx : This bank closed my account Stating I wanted it done, lowering my credit score yet again for no reason when I would call I would be abused by reps telling me the account is closed so they dont have to speak to me. When the bank investigated the issue and had to pull up the script the rep had to legally go over and the phone call they realized I was correct and I never asked for my account to be closed hence them opening it again and lowering my credit score yet again I want all balances wiped And XXXX out w synchrony moving forward and all accounts closed after that is done if they do not wish to work w me a lawsuit for multiple damages, time missed from work constantly calling, credit being ruined at a time of a need and importance along w all Legal fees. This bank should have criminal charges filed against them for robbery to their consumers cause this is what the definition is robbery I have multiple cards and none that work like this, if and when a lawsuit is filed and an attorney is obtained I will subpoena all phone calls and show all consistent attempts to fix this, I was hung up on 4 times the other day when asking why my rooms to go account has been closed, its extremely ugly during a time of need and panic our nation is faced w these banks are hurting there consumers even more, I promise I will make sure this bank is smothered in legal fees and everything else by the time Im done if they dont want to settle w the abundance of money that they have literally stolen from me, who else is having this done to them?
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| 08/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Add-on products and services
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Web |
Servicemember |
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XX/XX/2022 : Called Synchrony Financial ( otherwise known as mysecuritycard.com ) to file a claim on my credit card protection program ( otherwise known as debt cancellation ).
I was informed they were non-operational. I requested a refund for the month as I was not able to use it, specifically stating that I did not want a cancelation, but a refund only for the month I was not able to file a claim.
The rep informed me that I would be receiving a letter in the mail letting me know if the refund was approved. She provided the website address for me to get information on the product since I did not receive anything at the actual time of purchase.
XX/XX/2022 Contacted care credit to inform them of the issue, and to find out what could be done. Nothing. They insisted I call synchrony financial.
XXXX XXXX : Synchrony Financial paid XXXX XXXX XXXX XXXX XXXX ) payment for us, because their site was down since XXXX, and we could not file a claim.
We were told a letter would be sent to us letting us know if a payment was approved on our behalf and that a claim form would be sent out.
We received nothing from them in the mail or otherwise.
XX/XX/2022 Called Synchrony financial again to follow up. The site was still down. No word from anyone on refund or when a claim could be filed.
I asked to be refunded for the XXXX XXXX payment, as well given that I could not file a claim. I specifically told them that I did not want to cancel the program.
XX/XX/2022 Following up to file a claim, get a refund on the payment for XXXX, and have a claim form mailed. No new information was provided.
XX/XX/2022 Following up to file a claim, get a refund on the payment for XXXX, and have a claim form. Asked to have a claim form sent out. I was given the opportunity to file a claim over the phone, however, I wanted to have written documentation of the process. No form was ever sent out for claim filing.
XX/XX/XXXX : Synchrony Financial Canceled our XXXX without authorization or notification. I found out a month later while on a call with care credit.
XX/XX/2022, XX/XX/XXXX, XX/XX/2022 Called Care Credit to find a solution. We informed them the XXXX was canceled without my authorization.
I was eventually connected with an Account manager on XX/XX/XXXX, who agreed to stay on the line while I XXXX dialed Synchrony financial re : XXXX cancellation XXXX We were told I would get a call within 7-10 business days with an answer, and a letter in the mail. We received neither.
XX/XX/XXXX : Synchrony Financial reinstated XXXX per our request following a XXXX phone call with the Care Credit Account Manager. No notification of reinstatement was provided. No claim form was sent out. No phone call was made to us as promised.
XX/XX/XXXX : Synchrony Financial canceled our XXXX without Authorization or notification a second time.
XX/XX/2022 I contacted synchrony financial to find out what happened. In order to get straight answers, I told the representative who took the call that I would be recording the call. She said she would have to hang up, and did so promptly.
I called Care Credit numerous times before getting to XXXX, an account manager who was willing to XXXX call synchrony financial to find out why the XXXX was canceled again.
Synchrony Financial claimed Care Credit canceled it. XXXX at Care Credit claimed they no longer had the power to do that.
I was told I would get a call within 7-10 days. I told them that I would not be receiving voice mail messages and that they would have to send out a letter for documentation purposes.
We tried to confirm my address, they had my office address XXXX XXXX XXXX # XXXX, XXXX, Ca XXXX. All mail, including my XXXX gold and platinum statements, are automatically forwarded to me from this address, always. Nothing was received at either my office or my home address of XXXX XXXX XXXX XXXX # XXXX, XXXX Ca XXXX.
XX/XX/2022 XXXX called me to follow up. I had not received any communications from synchrony financial. We decided to wait another week. In the meantime she would call them to find out what she could do and that she would call me on XX/XX/2022 at XXXX XXXX to let me know what she found out.
XX/XX/2022 XXXX called back at XXXX XXXX. There was no furthering of the issue.
XX/XX/2022 I called Care Credit to talk with XXXX the account manager. I was informed she could help me no further as those were her detailed notes on the account.
Upon request, I was transferred to XXXX, another account manager who also stated he could not help me. I explained the unauthorized cancelations and that this was fraud. He simply transferred me back to synchrony financial, the people who would not send out claim forms, canceled the XXXX twice, and hung up on me when I stated that I would be recording the call.
XXXX I contacted the CFPB to find out which organization oversees Credit Card Protection programs. They told me I could file a complaint with them. Here is the complaint.
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| 04/21/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I, like many around the world, fell on hard times during this pandemic due to Covid-19. It began XXXX when my payment was due. {$27.00}. Due to the looming threat of the virus, my work had slowed down tremendously. I wasn't able to make a payment until XXXX. I assessed a late fee and paid the minimum. I was then laid off XX/XX/XXXX. I applied for Unemployment Benefits, but so had most of XXXX XXXX. I was not able to receive benefits until a month later. After having to pay rent and for food, I was not able to pay my Synchrony Bank Amazon Credit Card bill for the month of XXXX. Something about eating and having shelter over my head seemed to make more sense. I received a call about payment and after explaining my situation, I was granted a deferment. I was very appreciative. I then received an email from them on XX/XX/XXXX at XXXX saying that i had a letter from them. I clicked the link and logged in and there was a letter saying that they would remove all late fees and reports of delinquency to my credit report. It was dated XX/XX/XXXX. I was grateful, but it also felt unnecessary since I was only a week late with a minimum payment of {$27.00}, but ok. It wasn't like I was a month or two of not paying, ignoring calls, etc.
I thought all was well, until today. I looked at my credit report and it had dropped by 20 points do to a credit decrease of {$760.00}. The company to do this? Synchrony Bank Amazon Credit Card. The decrease raised my credit utilization to 89 % for this card. Unbelievable. I thought that maybe this could be resolved. I contacted the company. This was my experience : 1st Time : I called and was picked up on. I explained that I would like know why my card limit was decreased and explained that it had dropped my credit score by 20 points. The response of the representative was 'Let me check something. ' I was placed on hold with a horrible loud and annoying message saying 'You are on hold. ' repeatedly. After six minutes, I could not listen anymore and hung up. I called back.
2nd Time : I called and spoke with someone and explained the limit decrease and credit score drop. I was told that I was sent a letter on XX/XX/XXXX to my email, explaining the credit decrease. I checked my email. I checked my spam. I even checked my trash which doesn't get emptied until a month after something is deleted. There was nothing there. I explained that the only email I had received was the letter explaining they would remove reports of delinquency. He had no answer for me other than, 'I don't know what to tell you, we sent it. ' I asked if they could resend it. They said 'no '. I asked if I could have the reason and he again mentioned the letter that I did not receive. I asked if I could have my credit restored or the decision reversed and he said he could not do that. He said hat I had two late payments. I said, 'No I had one late payment. The other was deferred. Also, its a little hard to make payments during this time, I think its 'XXXX ' you guys are decreasing people 's limits during a pandemic when they may need it most. ' ( I'm from the XXXX XXXX, so I cuss ) He asked me not to swear, so I amended my statement and replaced 'XXXX ' with 'garbage ' and was hung up on.
3rd Time : After being hung up on for no reason whatsoever, I contacted them thru Live Chat. I've attached a transcript of the conversation. Basically the same conversation, but with something different this time. I told them I would be reporting this to the CFPB and they asked me if i would like to apply for a credit line increase and what my annual income is. Now, here is something that is really cold and heartless to do. Especially, because I had a good job and made a livable amount of money until I was laid off due to all this. I told them that they had my information and asked them to restore my credit limit to {$1400.00} like it used to be. The representative said she needed my salary. I gave her what I made last year. It wasn't approved. I told her that her company was horrible and that they were XXXX. Because they are.
I am not really worried about having the credit limit increased so I could go on a shopping spree. I hope, like most Americans, to have access to it if I would need to. For piece of mind. But it's mainly for my credit score. And these guys lowered it with their actions and then humiliated me by making me beg them for it back. And didn't do it. During a time of uncertainty. We could get sick. Industries could go away forever. Unemployment could rise even more than it has. All this is happening and XXXX XXXX is making XXXX XXXX dollars. Synchrony bank is XXXX people over for {$27.00} and Amazon 's stock went up when everything is crashing. And during it all these guys are cutting people 's credit limits. What if I had needed that money to get my kid diapers. Or buy formula or clothes or whatever for my family. Every other company and CC company has been great and helpful. These guys ' are trash.
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| 09/06/2023 |
Yes |
- Credit card
- Store credit card
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- Other features, terms, or problems
- Privacy issues
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Web |
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On XX/XX/23 XXXX I called Care Credit, on a recorded line, to report a missing card and ask for another one. I was advised by XXXX that my account had been closed, due to non use, and I would need to reapply.
He advised me of the XXXX options for reapplying. XXXX. In person at the doctors office or XXXX. Via the carecredit.com website I went to the website, completed the information required, went to read the terms and conditions, prior to accepting, I called my doctor to ask about the interest and what special offers were going on, because if there was going to be interest, I would just go another route. The doctors office advised it would be 6 months no interest, once I submitted the application, I would receive an email with the details of the card & I would need to give it to her to hold my appointment. I submitted the application, with doctors office on the phone, I could not proceed due to the message on the screen telling me to call XXXX and give ref # XXXX to proceed.
I called the number provided, XXXX with the reference number and this is where I felt like I was being scammed or a breach into my privacy was happening, or maybe I am on a fraud website by mistake because this has never happened. XXXX proceeded to tell me I need to go to a website using MY mobile device and do some type of facial recognition, I was not ok with this, as I was not on my mobile device or did I want to give them access to control my device. She couldnt move forward so I asked for a supervisor, XXXX XXXX came on the line. Super rude and defensive when I asked her to provide me a copy of this requirement. She could not produce it. I asked her if she could direct me to the place in the terms & condition for applying, that state I could possibly be forced to give Synchrony Bank Access to my Mobile Device for verification. She was angry still, didnt want to keep repeating herself. There is nowhere that says Synchrony Bank needs access to my phone in order to approve my Care Credit Application. XXXX XXXX places me back in the waiting que ( didnt tell me ) XXXX answers and its the same thing. Either allow us access to your phone ( take over my phone ) or will need to fill out a XXXX page letter, that they will snail mail me, have it notarized by my bank ( I have to prove this ) and then mail it back.
Problem # XXXX I read the terms & conditions for Applying with Care Credit, I accepted the terms as they were presented. However more terms & conditions have been added, & if I do not give Synchrony Bank access to MY mobile device, then I can not have credit. I have a credit score of close to XXXX.
Problem # XXXX Synchrony is making access to consumers phones a condition for credit, but not telling them this up front, so consumer can opt out Problem # XXXX I was advised I could go in person to REOPEN my account. But when I went in person, they gave my doctor a different number for me to call & a different reference # to refer to.
Problem # XXXX I am being discriminated against. My doctor can not believe this, they have never experience anything like this.
I didnt get my XXXX because of this discrimination.
Synchrony bank owns Lowes, and you didnt require this or did any other Synchrony Account that I currently have.
I own a business, I opened a Synchrony account in XXXX, and they didnt even ask me for any type of id. But approved me for XXXX of dollars. Most of my XXXX have XXXX limits.
I currently have several other credit cards with Synchrony Bank and have had many over the years. All having all the same info. I have lived in the same place for nearly 20 years, same Care Credit account information, same name, same everything, so it came as a surprise that I needed to call in to complete the application, especially when my credit score is XXXX.
So this is unfair credit practice, or a serios unlawful breach into privacy.
Since when did it become necessary for a bank to have access to our phones, to verify my identity?
If this is only for the purpose of verifying my identity, then why couldnt you accept that all my information is consistent across all bank accounts? All appliances I purchased with XXXX card, delivered to me at my address. All the same info tied to my former Care Credit account.
Synchrony bank could never tell me what they were wanting to verify, or why it had to come from my mobile device. Or Why me being in front of the doctor with my identification wasnt enough.
I suffered a hit on my credit, I was not extended credit when I should have. Synchrony Bank deceived me, tricked me into applying, and then told me, unless I allow them access to my phone XXXX cant move forward.
If Synchrony Bank made this condition known, I would have chosen not to apply, but they did not. Why is this ok?
Care Credit or Synchrony Bank could not provide any documentation or anything period that shows they require access to my phone to proceed. If this is a condition for credit, it needs to be made know,
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| 08/25/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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Care Credit is predatory lending at its finest, especially considering the way they offer these cards to people, including myself, who have to use them for emergency services. I have been charged over {$900.00} interest this year on a {$3000.00} credit purchase of emergency XXXX work plus previous balance of about {$1500.00} from Care Credit. It's only XXXX. I understood this was an interest free card for emergency medical care, and that is what I used it for. I did not know the interest kept accruing during the promotional period and was charged all at once the day after the promotion was up. I got this card in XXXX for a procedure and payed it back within the promotional period then held onto it thinking it was an ok deal. I would have used a basic credit card with less interest rate if I knew this was the deal. Looking at the statements, it is still impossible to figure out what went on, just that i'm on the hook for {$900.00} of interest for half a year 's lending of less than {$5000.00}. It seems to me that this is predatory lending aimed at already poor people in need of immediate money for emergency XXXX and other medical work. I was offered this card in a better time, and I was able to pay back the initial loan in 6 months. This time, considering COVID, is an exception, so now I see how utterly fraudulent this predatory lending from Care Credit is. I downloaded all of the statements and can still barely make out what happened that I could be charged this much, despite making on time minimum payments and bigger chunks of payments, two of {$1000.00} this year, plus chunks of payments last year to pay on the older debts.
Here is a portion of my XXXX statement, where I payed over {$200.00} interest on the portion of my debt from XXXX work last year for one month while still in the promotion period for the majority of my debt. Seems to me they were charging interest on the full amount of debt, including the part still in the promotional period. It also seems they are charging more than the monthly percentage of the APR.
Promotional Purchase Summary Promotional Expiration Date Promotional Balance Billed Interest Charge Deferred Interest Charge Description/ Tran Date Initial Purchase Amount EXPIRED {$870.00} {$190.00} {$0.00} Deferred Interest/No Interest If Paid In Full XX/XX/XXXX {$1500.00} XX/XX/XXXX {$3000.00} {$0.00} {$390.00} Deferred Interest/No Interest If Paid In Full XX/XX/XXXX {$3000.00} A summary of your promotional purchase is provided above.
To make more than one payment see Make Payment To address or pay online at mysynchrony.com.
Transaction Summary Tran Date Post Date Reference Number Description Amount XX/XX/XXXX XX/XX/XXXX AUTOMATIC PAYMENT - THANK YOU ( {$140.00} ) FEES TOTAL FEES FOR THIS PERIOD {$0.00} INTEREST CHARGED XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$210.00} TOTAL INTEREST FOR THIS PERIOD {$210.00} XXXX Totals Year-to-Date Total Fees Charged in XXXX {$0.00} Total Interest Charged in XXXX {$250.00} Total Interest Paid in XXXX {$0.00} Interest Charge Calculation Type of Balance Expiration Date Annual Percentage Rate ( APR ) Balance Subject to Interest Rate Interest Charge Purchases NA 26.99 % {$570.00} {$13.00} Deferred Interest/No Interest If Paid In Full EXPIRED 26.99 % {$960.00} {$190.00} Deferred Interest/No Interest If Paid In Full XX/XX/XXXX XXXX % {$3300.00} {$0.00} Then here 's XXXX where I payed a {$1000.00} chunk Transaction Summary Tran Date Post Date Reference Number Description Amount XX/XX/XXXX XX/XX/XXXX XXXX PAYMENT - THANK YOU ( {$1000.00} ) FEES TOTAL FEES FOR THIS PERIOD {$0.00} INTEREST CHARGED XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$480.00} TOTAL INTEREST FOR THIS PERIOD {$480.00} XXXX Totals Year-to-Date Total Fees Charged in XXXX {$0.00} Total Interest Charged in XXXX {$740.00} Total Interest Paid in XXXX {$0.00} Interest Charge Calculation Type of Balance Expiration Date Annual Percentage Rate ( APR ) Balance Subject to Interest Rate Interest Charge Purchases NA 26.99 % {$1400.00} {$31.00} Deferred Interest/No Interest If Paid In Full EXPIRED 26.99 % {$2500.00} {$450.00} I just made another {$1000.00} payment which is breaking me during COVID especially, but I'll keep paying $ XXXX/month in interest alone if I don't get rid of this ridiculous debt. Mind you, their suggested monthly payment, which I've been paying, has been {$130.00} - XXXX. So this year, I've made 8 of those payments = at least {$1000.00} plus {$2000.00} extra payments and my debt has effectively gone from XXXX to just under XXXX.
I'm most upset that this type of lending targets poor people without the ability to pay back the loan. I would have rather dealt with medical debt straight from the office and medical collectors, but this was sold to me as a reasonable alternative. Also, Care credit was already fined {$34.00} XXXX for this exact issue, so why is this allowed to continue to aggressively target those with minimal means.
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| 05/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I am writing to complain about Synchrony Bank, the issuer of XXXX XXXX XXXX MasterCard Credit Card, the company 's recent unethical Cash Reward practice has unfairly treated customers like me and also ruined my credit record.
I have had this credit card since XXXX, the credit card has a cash reward program for purchases not just in XXXX XXXX XXXX.stores. in the past, the company mailed out a cash back check in XXXX each year. I had no problem receiving the check even after I stopped renewing my XXXX XXXX XXXX membership back in XXXX. In XX/XX/XXXX, the cash back check did not arrive, instead, I suddenly received an email on XX/XX/XXXX from Synchrony Bank that this year 's cash back reward will automatically be loaded onto my XXXX XXXX XXXX membership account and I will need to redeem my cash back rewards at the store ( see the attached image ). I called the Customer Service and also spoke to a manager. I explained that I do not have XXXX XXXX XXXX membership anymore. I offered that I can pay off my remaining balance and closed my card after my {$150.00} or so Cash Back points are applied as statement credit. The manager refused and she said that I would need to go back to renew my XXXX XXXX XXXX membership in order to get my cash back reward. I protested that I had never been given any notice of this sudden change and I had been advised in the past by their customer service people that I was still allowed to use this card without my XXXX XXXX XXXX membership. The manager even told me that it costs only XXXX dollars to renew the club membership, in return I got XXXX dollars cash back rewards. the math makes sense indeed, however it prompted me to believe the bank did this to help XXXX XXXX XXXX increase its sales revenue while many customers like myself could end up losing my cash back rewards and the bank benefited from the customers ' loss. I called the bank the next day again, I told the customer service woman ( she sounds like someone located in XXXX ) that I would like to request a hold on my card and would also like to dispute all my charges on my Credit Card based on the fact that I was misled and the bank failed to inform me properly. I made it clear that it would be my last bill and I would like to speak to the bank further to resolve our differences before I pay my last bill. the woman heisted but eventually agreed to log in a dispute case for me. However, the bank never contacted me regarding my dispute, days later, I received my bill statement with an added late fee and financial charges. I called the customer service again and made it clear that I would not make any more payment until our differences are resolved. A different customer service rep reiterated that the only way to get my cash back reward is to renew my XXXX XXXX membership. But she promised to ask someone to contact me later and she also advised that I could lose my cash back rewards if I close my account.
But No one has contacted me in the following weeks.
On XX/XX/XXXX, I received their email informing me that I have missed my payment and I was asked me to contact them again, I called and I heard from the message that my account has been closed and no payment is dueetc Days later, I started to receive collections call aggressively pushing me to make payments and also threatened to keep adding late fees and financial charges..
In one of the conversations I had with the collection agents, I understood that they did not find any record in the system that I filed a dispute case. The customer service woman did not log in my dispute case in their computer system. I also understood from them that they actually knew that I stopped renewing my XXXX XXXX member back in XXXX, but they continued to allow me to use the card and continue to issue me cash back checks in Year XXXX and XXXX until they suddenly changed their cash back reward program in early XXXX It became clear to me the bank did this with an incentive to benefit the bank itself and its partner by forcing some cardholders to forfeit the cash back points. If a XXXX XXXX membership is a requirement for the cash rewards program, they should have informed customers like me that I am no longer eligible for the cash reward program. They could have either deactivated my credit card or made it clear on my monthly statement that I did not receive any cash back points. But my monthly statement kept showing the cash back points I earned for the past year.
All the evidences support my belief that the bank is unethical in its business practice and has unfairly treated the consumers. The companys customer service rep is also irresponsible and poorly managed. The company also closed my account in such a short time period ( about one more also ) and enforced collection on a customer who had never been late on any payment in the past years. They did this with a reason that needs to be looked into to make sure the bank complies with the law protecting consumers rights
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| 11/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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my issue is with an item I bought from Amazon, on their Amazon Prime Store Card, issued by Synchrony Bank, returned to Amazon, Amazon acknowledges the return and has stated they have issue multiple credits, multiple times for this ONLY item on this card, and yet for nearly 1 year now, Synchrony Bank has posted NO CREDITS.
Today XX/XX/XXXX I get an email from XXXX XXXX stating my credit report now shows a delinquent account, and an email from XXXX stating basically the same.
So NOW my credit score has been affected, and I have never missed a payment in my XXXX years of living.
XX/XX/XXXX - ordered commercial XXXX XXXX from Amazon ( order # XXXX ), needed this immediately for my small business, item shows as ordered, I never receive it. * My Amazon analytics page shows Return Reason as SHIPPING ADDRESS UNDELIVERABLE for this item and order.
XX/XX/XXXX - I call Amazon, explain the situation that I did not receive this blender, and I urgently needed it, so Amazon says the item is LOST. Reorders another immersion blender for me, this order number I believe is XXXX?
I waited a few more wks, no immersion blender shows up from Amazon, period!
XX/XX/XXXX - I ordered the same immersion blender from XXXX, and I have the order confirmation, and it was delivered a few days later.
I've had the charge posted to my Synchrony Amazon Card account, I've had to dispute the charge with Synchrony Bank, back and forth, back and forth, resolved, then not resolved, etc.
XX/XX/XXXX after a call with Amazon- spoke with Amazon just to make sure they issued 2 credits since I never received either immersion blender. I called them a few mins ago.
XXXX from XXXX said there were 2 credits/chargebacks issued for the 2 immersion blenders I never received, and she provided me with the chargeback id # issued to Synchrony Bank XXXX They are as follows # XXXX {$620.00} on XX/XX/XXXX, and # XXXX {$620.00} on XX/XX/XXXX. This should bring my account up to date with both credits.
** XXXX XXXX XXXX - randomly I receive from XXXX a extremely dirty box, like its been laying around collecting dust, etc. with the IMMERSION BLENDER I ordered from XXXX back in XXXX. Just out of the clear blue sky, XXXX tracking number was XXXX, and Amazon did and will confirm that this was returned and received back to Amazon. The only Immersion blender I have is from bakedeco.com, paid for using my person credit card, has nothing to do with Synchrony.
XX/XX/XXXX - Email from Amazon showing me the 5 times they have issued credits to my Synchrony Amazon Store credit card account, and still nothing shows on the Synchrony statement, no credits exist and I continue to receive account past due, phone calls continually, etc. This entire time, I continue contacting both Amazon and Synchrony, because Synchrony ALWAYS tells me that I have to contact Amazon, they have NEVER RECEIVED ANY CREDITS from Amazon, and this just continually continues. By XX/XX/XXXX, I've called Amazon at least 18 times, and Synchrony Bank regarding my account minimally 15+ times with no resolution, still to this day.
NOTE : I was told by Synchrony IF a credit was issued, and the item in question was under dispute, that credit would NEVER post. What? Makes absolutely no sense.
I've tried unsuccessfully to escalate this on both sides, no luck at all.
XX/XX/XXXX - lastly yet another call to Amazon and XXXX sent me an email showing me all of the additional credits they posted on XX/XX/XXXX and says it should take up to a week to post to the Amazon Synchrony Store Card.
XX/XX/XXXX ( I think ) was the 2nd time I've called and even logged in to my Synchrony Amazon Store credit card account and there are STILL NO CREDITS POSTED.
I have rarely used this Amazon XXXX XXXX XXXX from Synchrony Bank, period. If you check the purchase history on this card, you will see only a few charges all the yrs I've had this card. Now that they continue to escalate something that should have been handled nearly 1 year ago and my credit is now affected, I am closing this account once my credit is applied and account history is cleared.
Please know at NO TIME was anyone from Synchrony Bank interested in researching or doing anything at all. Every voice message stated to call their number, every time I did they wanted payment, and I continually told them what was going on and honestly they could not have cared less. I've read a lot of complaints only yesterday about Synchrony bank suing customers and lawsuits, etc.
the tracking label for the randomly received XXXX blender I received in mid XXXX, is attached as well. I have tons of other documents, I can send over it needed. Additionally I have the documents I received yesterday after Synchrony Bank filed with the credit bureau regarding my account with them being delinquent. Whatever else you need I can certainly send over. I didn't know I needed to attached the documents, or I would have better organized them. Thank you so much! Sincerely
|
| 05/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX ( owned by XXXX XXXX XXXX ) is falseley reporting a collection account on my credit report to XXXX and XXXX . I sent a debt validation/dispute letter via certified mail in XX/XX/XXXX , and XXXX XXXX responded, but they sent no verification. XXXX XXXX 's response letter included 23 violations of the California Fair Debt Practices Act ( CFDCPA pursuant to California Civil Code Division 3, Part 4 Title 1.6., 1.6C., 1.6C5., and 2.97. In addition, XXXX XXXX also violated 5 corresponding federal violations under the Fair Debt Pracitces Act ( FDCPA ), which are enforceable under state law in small claims pursuan t to the Rosenthal Act. As a result, I followed up with a second letter in XX/XX/XXXX acting in a good faith effort to resolve the issue. XXXX XXXX responded with a carbon copy version of their first response. It was apparent that nobody read my second letter, nor did they care to comment on th eir 23 California state law violations of the CFDCPA. I gave XXXX XXXX courtesy calls to discuss a resolution, but once again they refused to verify the debt or remove it from my credit reports. In XX/XX/XXXX I file d a small claims lawsuit against XXXX XXXX ( XXXX XXXX XXXX ) i n the state of California. XXXX XXXX promptly made a motion to vacate the proceedings based upon an existing bankruptcy filing on their behalf. Therefore, as required by law, the judge had no choice but to vacate the hearing, because XXXX XXXX has indeed filed for bankruptcy as of XX/XX/XXXX . I once again reached out to XXXX XXXX and asked them to remove the debt due to their bankruptcy status, but they said they would continue to collect debt while actively filing for bankruptcy. At this point, no consumer in the United States has any legal recourse against XXXX XXXX due to their bankruptcy status. Which means that they have all the freedom in the world to violate any and all laws under the Fair Debt Collections Practices Act, and nobody can sue them for their violations due to their bankruptcy status. I can not believe this is legal, because this debt collection company has free reign to violate all debt collection laws at will now that they have filed bankruptcy. I request that the CFP B review my documents and verify the 23 violations of the CFDCPA c ommitted by XXXX XXXX , and pursue regulatory actions against this entity for its calculated violations. XXXX XXXX is violating the law in an effort to increase their ability to collect debts with no legal accountability to consumers due to the protection provided by their current bankruptcy status. Upon the conclusion of a successful investigation by the CFPB, where they were to find no verification of this erroneous debt ; I would hope that the CFPB can enforce an injuctive action against XXXX XXXX requiring them to remove the false debt from my credit reports. These ar e the CFDCPA violations c ommitted by XXXX XXXX : California Civil Code Division 3 Part 4 : Title 1.6. : 1 ) 1785.25 ( a ) XXXX XXXX furnished inaccurate information to the CRA 's 2 ) 1785.25 ( c ) continued reporting to CRA 's without marking account " disputed '' 3 ) 1785.26 ( b ) never sent notice before reporting negative information 4 ) 1785.26 ( c ) did not mail negative info notice within 30 days of reporting 5 ) 1785.26 ( d ) XXXX XXXX liable for the previous violations 6 ) 1785 .30 XXXX XXXX did not acknowledge demand/dispute within 30 days Title 1.6C. : 7 ) 1788.17 pursuant to the Rosenthal Act all FDCPA violations are inclusive : 8 ) 8 07 ( 2 ) ( A ) False representation of character amount 9 ) 807 ( 8 ) failure to communicate a disputed debt as disputed 10 ) 807 ( 10 ) use of false representation to collect a debt 11 ) 807 ( 11 ) 1st communication failed to disclose " this is a debt collector '' 12 ) 808 ( 1 ) collection of amount not authorized by agreement Title 1.6C.5.
13 ) 1788.52 ( a ) Failed to possess mandatory documents prior to communication 14 ) 1788.52 ( a ) ( 1 ) failed to provide proof of sole ownership of debt 15 ) 1788.52 ( a ) ( 2 ) failed to separately identify the charge-offed balance 16 ) 1788.52 ( a ) ( 3 ) failed to note the date of default and the date of last payment 17 ) 1788.52 ( a ) ( 4 ) failed to provide original creditor info ( acct #, name & address ) 18 ) 1788.52 ( a ) ( 5 ) failed to provide my name and address at time of charge off 19 ) 1788.52 ( a ) ( 6 ) failed to provide name & address of previous debt owners 20 ) 1788.52 ( b ) failed to provide copy of contract or monthly statement 21 ) 1788.52 ( d ) ( 1 ) failed to include " you may request '' notice in 1st communication 22 ) 1788.52 ( d ) ( 2 ) failed to include time barred debt notice in 1st communication Title 2.97. : 23 ) 1812.700 ( a ) failed to include Rosenthal Act notice in 1st comm unication
|
| 04/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT SYNCB/CARE XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXXr system that doesnt even contain my reasons for the dispute is not reasonable.
Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
|
| 01/24/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
XX/XX/year> I applied for and was approved for Amazon store card but according to 6 synchrony bank Amazon lawyer customer service XXXX XXXX and no one could explain how I applied for credit and allegedly denied but was approved for a debit card in which requires funding the bank is breach for non proformance as they were give value an by law must return the same or the undertaking is void from the inception bedcaise synchrony bank never gave anything of valuable consideration transferred around for two hours for every point of contact held a different deceptive tactic as times chuckling anticipating me to release the call and accept the fraud by agreeing to a new offer to offset the the damages for the failure to offer equal credit opportunities basing decisions off of a machine using ambiguous banter with words like you we me they but have no terms to reference these titles and their applicability as no one has actually denied me because synchrony bank only exist On paper and no one could provide me with a a liable party who cant support the denial saying letters will come 7-10 days from Now saying Im approved for debit when I applied for credit and can not make sense of the buffoonery if Im denied Im denied its no denial if Im extending the credit and Im the account owner id I wanted to apply for a debit card I could go to any corner store to get one and the whole 2-3 hour phone call the agents literally sitting lying to my face getting tangled in their own webs two hours of still not knowing who denied me and why and by what authority as I provided synchrony with an asset on their books with all my identification non public private information and is not denying me trying to force involuntarily servitude by way of a secure card that is what was applied but forced upon as a new offer to contract as they commit fraud and I have 6 agents on one call all showing how disgusting synchrony bank an its practices how they train their XXXX keyboard keepers as they swindle the uninformed forcing me to try an give up federal reserve notes while holding my credits hostage saying synchrony bank wont give me the card never actually denying just using fraudulent conveyance of language and bullying customers off the phone with clear discriminatory tactics by unauthorized use of your social security account fraudulently furnishing that they have gave you business but holding the account hostage passing it off as a fake denial and no one to be held accountable unless you file complaints and administrative processes if the county is back by the full faith and credit of the people how is there good credit as credit or even then idea that one person deserve to live better than the next but will say thats not discrimination it its clear if everything is backed by the people how can one be denied is not everyt financial institution insolvent? Is there a lawful way to pay as XXXX XXXX and the other XXXX agents clearly believe that there is but when asked how they have no clue but this is a valid offer of consideration that they offer to their customers and when debit and credit dont mix so how did my consumer credit application turn into a debit that needs funding because of willful Negligence and deceptive practices to unjustly enrich synchrony while forcing people to go slave and bring back federal reserve notes which is illegal so how can you try to force me in to involuntary servitude is slavery still in existence? Because no where in my in life have I ever been approved and denied to a choice of the financial institution whos now in possession of an asset of mine being synchrony bank has not performed as the Equal credit opportunity acts states : This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
So again is credit not MY RIGHT? As synchrony bank seems to be attempting to monopolize off of human rights violations as I am a decedent of a XXXX XXXX XXXX veteran from XXXX as an indigenous inhabitant of this land my status and identify documents will be attached Im hoping synchrony bank just had on a bad shift who just didnt understand what they were looking at but RIGHTS ARENT PRIVILEGES THEY ARE DIRECTLY FROM THE CREATOR NOT SYNCHRONY BANK. IS synchrony banks cfo ceo or any of the directors be willing to submit an affidavit signed and sworn by penalty of perjury that Im not credit worthy?
|
| 03/21/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
XXXX XXXX card complaint Synchrony Bank Once again I was faced with deceptive loan practices by Synchrony bank when I purchased a guitar XX/XX/XXXX on XXXX for {$890.00} with a 12 month interest deferred credit card loan through my XXXX XXXX card that is provided by Synchrony Bank.
Note that many years ago I had previously cancelled an XXXX XXXX card before due to the same deceptive loan practices.
The card statement terms and conditions clearly state : You have a deferred interest promotion ( s ) expiring on XX/XX/XXXX. You must pay each deferred interest promotional balance in full by its expiration date to avoid paying accrued interest charges. Please see the promotional purchase summary section on this statement for further details.
Deferred interest : To avoid paying Accrued lnterest Charges on any deferred interest promotion ( s ), you must pay at least your minimum payment due, if any, each month and the entire applicable Promotional Balance by the Expiration Date.
Eligible card purchases may be billed under one of the following promotions : No Interest if Paid in Full within 6, 12, 24, months.
We will charge this fee it we do not receive the total minimum payment due on your account BY 5 p.m. ( ET ) on the due date.
1. The XXXX XXXX card statement ( attached ) calculated {$25.00} a month minimum payment. However I calculated {$75.00} a month for 11 months and {$74.00} as the final - 12th month payment. I had already made a payment of {$75.00} in XX/XX/XXXX for the XX/XX/XXXX deadline due date. This payment had been credited to my account. The terms state To avoid paying Accrued lnterest Charges on any deferred interest promotion ( s ), you must pay at least your minimum payment due HOWEVER I WOULD accrue interest if I only paid the minimum payment. See # 2 for more issues related to this deception.
2. As I stated in complaint # 1 above The XXXX XXXX card calculated {$25.00} a month minimum payment. However I calculated {$75.00} a month for 11 months and {$74.00} as the final - 12th month payment. I had already made a payment of {$75.00} in XX/XX/XXXX for the XX/XX/XXXX deadline due date. This payment had been credited to my account. Synchrony does not provide these valid payments on their system. It appears they want to trick consumers. Read on to complaint # 3.
3. I had calculated {$75.00} a month for 11 months and {$74.00} as the final - 12th month payment. However the Synchrony system blocked me from entering the last scheduled payment of {$74.00}. I tried at different times that on XX/XX/XXXX to make the entry and I was still blocked. Highly deceptive and manipulative in my opinion. Read on it gets worst 4. So I contacted and DOCUMENTED ( attached ) the live chat with a customer service agent ( XXXX and her manager, XXXX ) and told her that the system would not allow me to schedule the last payment. I direct you to the attached terms and conditions which I have also excerpted at the beginning of this complaint. I was making early payments and was told I would incur late fees. I was also told that should I pay off the balance early I would also incur a late fee. Look at the attached script and you will see that I was very clear and concise when I told the agent XXXX that I had already made a payment in XX/XX/XXXX for the XX/XX/XXXX payment and that I could not enter the XX/XX/XXXXlast payment. The degree of deception that I was witness to was appalling and sickening : '' XXXX, I see that all your payments are scheduled for the 10th of every month. However, the due date id the 01st. You will incur late charges. If the payments are not processed by the 01st of every month, late fee will be charged for all your payments. '' " I am referring to the future payments. Also, early payments are not considered for future billing cycle. '' " The payments need to be processed after the statement is generated and by the due date. '' " I am sorry for all these confusion ; however, please know that early payments might also result in late charges. '' " Yes, early payments are not considered for future billing cycle. '' In response to me stating that I would pay off the balance : " Thus, will result in late fee. '' Her manager also chimes in. He apparently is making up his own terms and conditions above and beyond what is documented in the statement : " The due date is 1st of each month. The payment has to be made after the statement date and by the due date. '' Her manager contradicts the customer service agent and says that if I pay off the balance that night would there be no penalty. " Yes. There will be no penalty. '' I have a discount credit of {$50.00} that is being processed through XXXX by the merchant that I purchased the guitar from ( RE : XXXX XXXX ). Once I have recovered that money through this Synchrony XXXX XXXX credit card I will be canceling the credit card. Synchrony continues its deceptive loan practices. This has to stop!
|
| 01/07/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2018, I was notified by Synchrony Bank that my XXXX XXXX financing card was closed due to two returned payments, one in XXXX and one in XXXX that were resolved within two weeks and yet they closed my account. I called them XX/XX/XXXX and all they said was that it's in the contract and there was no way they could reopen my account but I was free to apply for a new account. I told them I was dissatisfied and they just said sorry. So I did an online chat on the XX/XX/XXXX and a guy named XXXX XXXX again told me that I was free to apply for a new account but there was nothing they could do to reopen my account once it's closed which is totally not true.
This is the transcript of the conversation I had with XXXX XXXX from Synchrony.
ME Hello, my account was closed on XX/XX/XXXX for making two late payments but I have looked throughout the terms and conditions of my card and can not find where it states ...
I would like the part of your terms that does state that otherwise I need my account reopened.
PC I understand you'd like to reopen your account. Let 's get you over to a live chat agent so we can explore your options Connect to Live Chat Connecting to Customer Service Representative Welcome to XXXX XXXX Financing credit card account Live Chat. Your chat will be monitored and recorded for quality assurance. A chat agent will be with you momentarily.
Hi XXXX, Hello XXXX, MY name is XXXX XXXX, your live agent.
I understand your concern.
ME Nice to be speaking with you XXXX Same here.
I am sorry XXXX, if two or more payment are returned then the account will be closed automatically.
ME I'm just trying to figure out where it says that in the terms and conditions, I couldn't find it anywhere.
XXXX XXXX, You will see this on the terms that we have sent to your on the account opening time.
Or else I will help you with the link.
Please allow me a two to three minutes.
ME I know it says you can close it without notice for anything, but it would have been nice to know before it happened because this is my most favorite account because I love XXXX products and that's why I always paid XXXX every month, I would have made both of those payments if they were only for XXXX but i did XXXX because I thought it meant something between us because it meant a lot to me but it seems like it means nothing to synchrony bank which makes me really depressed since I can't get the new XXXX XXXX and Nest for XXXX.
XXXX means $ XXXX, not sure why it shows up like that.
XXXX means XXXX XXXX dollars.
XXXX I am sorry for the delay.
I request you to please click on the below link.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I completely understand how you feel.
However, you can certainly reapply for a new account online any time.
ME It states that the late payment fee can be applied to any of 6 previous payments. where exactly does it state the limit to two returns, that's the one I have read and have not seen it.
XXXX I am sorry XXXX, ME I used CTRL F and could not find it related to missed or the number 2/ two XXXX I You will see this information on the terms under Important information about your account.
Under that closing your account section will give you the information.
ME That's not very specific but I see how Synchrony works now, I'm very disappointed.
We may close your account at any time, for any reason.
XXXX I understand XXXX. I am sorry as there is no manual control over this and this is completely decided by the system based on terms applicable for every customers.
ME But the terms don't state the two time limit otherwise I would have put it on another card or account and there's always a manual override. I know computers.
Someone always controls the computer XXXX I am sorry XXXX, as a chat agent we will not be able to reopen account. As once the account is closed we will not be able to reopen it.
ME Also, I did reapply but it has been two days and I have not received an email.
XXXX However, I have coded this as a complaint and forwarded this to the concern department.
They will definitely look into this.
ME How do I check on the status of a new account decision?
I just want to say that I'm not mad at you and I'm sorry if it seems like I'm being rude, it's just that I'm very upset about my account getting closed for something I had no way to prevent since I did not know it would happen : ( But please, try to have a Happy Holidays, I know I'll try. Have a great night.
XXXX I understand, However, you can contact us at XXXX our phone banking agents will transfer your call to our application team.
They will look the status of your application.
I wish I could have resolved this to your satisfaction.
Is there anything else you want me to assist you with?
ME No, thank you and have a Great night : ) END of Transcript They are only about making money. I have not heard anything from them since this interaction I included here.
|
| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : XXXX XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me.
I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file.
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Please furnish me with copies of any and all such certification.
( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Please furnish me with the required statements and data.
Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information.
( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days.
|
| 07/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Made an agreement offered by company to bring account current. Company now demanding additional money not requested in original agreement.
My due date is the XXXX of each month. As I just XXXX and had been out of work, I had fallen behind on payments and had been struggling to catch up by making partial payments of whatever I could afford. In XX/XX/XXXX, the amount due was {$170.00} and I went to make a partial payment online as I had previously. When I did so, a pop-up came up with an offer of a payment plan to bring the account current. The agreement was that I would pre-schedule three payments of {$71.00} each, which would cover the past due ( {$170.00} ) and whatever additional was needed to bring the account current. During this time I would be unable to use the account, so that the amounts paid would be sufficient to bring the account current. I assumed this offer was made because it had been noticed that I was struggling to pay but still trying. I agreed to this offer, as it seemed like a great way to get my account back into good standing, even if making {$140.00} worth of payments in a single month ( XX/XX/XXXX ) was a bit difficult on me financially. All were auto-debit, scheduled on the dates the website provided/stated they needed to be made by ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and all have been made as agreed.
The company has now sent an outstanding balance of {$100.00} to their collections department, claiming this was due XX/XX/XXXX in addition to the {$71.00}. This is not what I agreed to. The three payments of {$71.00} were supposed to bring my account current as of XX/XX/XXXX, and I was supposed to return to regular payments after that ( XX/XX/XXXX ). They've also slapped an additional late fee on for XXXX 's payment, bringing my total now due to {$170.00}. I am in no better place than when I started.
Looking through my email, I now see where the following occurred : XX/XX/XXXX : I received a bill that said I owed {$170.00}, to be paid by XX/XX/XXXX.
XX/XX/XXXX : I logged in, tried to make a partial payment, accepted the agreement to pay three installments of {$71.00} to bring the account current. All three payments were scheduled at that time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
XX/XX/XXXX : Payment of {$71.00} was debited.
XX/XX/XXXX : I received a bill with a minimum due of {$170.00}. I did not open this bill at the time because I knew the amount that I had agreed to was already scheduled to be deducted and assumed all was well.
XX/XX/XXXX : Payment of {$71.00} was debited.
XX/XX/XXXX : I received a bill with a minimum due of {$170.00}.
XX/XX/XXXX : Payment of {$71.00} was debited.
XX/XX/XXXX : Call from collections.
From the XXXX bill, showing {$170.00} due, it appears that the agreement I was offered was just never applied or acknowledged by the company in any way ( {$170.00} was due XX/XX/XXXX, I paid {$71.00}, the balance of {$100.00} was tacked on to XXXX 's bill, which made for an amount of {$170.00}, I paid {$71.00}, the balance of {$100.00} was tacked on to XXXX, now {$170.00}, minus {$71.00} for a total of the {$100.00} outstanding, which they have further added a {$39.00} late fee plus XXXX 's regular payment to for a total of {$170.00}. ) The entire point of me not being able to use the account during this time was so no additional charges could be incurred so it could be brought current, and the calculated amount due to achieve this SHOULD have accounted for things like interest and late fees - that is the reason I agreed to it. I tried to do the right thing, making two hefty payments in a single month to get caught up, and they did not stand by that agreement.
I also see now, going through email records, that I was never sent a copy of this agreement, either. The only proof I have of this agreement is where I made three scheduled payments of {$71.00} all at the exact same time ( XX/XX/XXXX at XXXX ). The fact that I did not receive an electronic copy of this agreement suggests to me that PayPal Credit is not acting appropriately. I regret that I did not screenshot this agreement, as I assumed in good faith that the company was acting in a professional manner. Contacting customer service has gotten me nowhere. Agents appear to be deliberately avoiding sending me to supervisory employees or management - I was hung up on, and then sent in a loop around their call center until I was finally sent to a dead end.
Further investigation into my computer history did reveal several webpages that support what I am saying : one that, when accessed, says " We may be able to help '' and mentions payment plans to get caught up. The subsequent pages that were visited include " plan, '' " terms, '' " payment, '' and " success. '' The three emails of my scheduled payments mentioned above all came in at the same time the " payments '' and " success '' pages were accessed - XXXX.
|
| 08/20/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
On XX/XX/2018, I went to XXXX to make a purchase. I was given incorrect info. from a XXXX associate to re-apply for an additional XXXX credit card, he stated that my existing XXXX card was closed. I was a credit card account holder with XXXX and initiated a purchase in XX/XX/18, when I was told by the sales associate that my existing XXXX card was declined due to inactivity. I then asked him to re-activate the card in order to complete the purchase and was instructed by him to re-apply for another XXXX credit account because he said he could not re-activate the card. He said I had to apply for another one so I did right there on the spot. He called in the information and it took 30 minutes total between him being on hold with Synchrony and verifying my credit worthiness by giving him my social security, address and current contact numbers. I received the actual card in the mail within a week and called in to activate the card when I was informed by the customer rep. that my previous XXXX card was indeed still active and not expired. I ended up with 2 XXXX Credit cards due to the ill-advised information given to me from the Store # XXXX on XX/XX/2018, terminal XXXX at XXXX, the item purchased was XXXX XXXX XXXX '' riding mower. Sales XXXX XXXX.
I called to have the 2nd XXXX card cancelled and requested that the credit inquiry be withdrawn from my credit report as it was a hard credit check. I received a letter by mail from XXXX XXXX XXXX ( credit bureau specialist internal inquiry XXXX ) XXXX XXXX XXXX XXXX FL XXXX, stating that Synchrony will not be withdrawing the inquiry because I provided my ss # annual income and the other required information in order to complete the credit check. The problem is that I was told to re-apply by the sales associate because my existing card was declined due to inactivity, this was the only reason I applied on XX/XX/2018. Points were deducted from my credit score because of this ordeal. and the fact that XXXX ( credit Bureau Specialist # XXXX ) is unwilling to remove the points is unacceptable. I received 2 additional letters dated XX/XX/18 from XXXX XXXX and spoke with her at ( XXXX ) XXXX ext XXXX. Her position was that people frequently apply for multiple credit cards with the same company for numerous reasons, perhaps to attain a increased credit limit and she also stated that there is no policy that directs them to inquire with the consumer why he or she would open an additional credit card with an active credit existing credit card. I was flabbergasted that they would allow people to open additional credits cards when they already have an existing credit card with them. She added that the only way the system would flag an existing consumer applying for an additional card is if the applications were submitted within a few days of each other, otherwise, they allow people to open as many credit cards with them as they apply for, pending approvals of course. She further stated that they don't ask consumers why they open additional credit cards with them, they just process them. On XX/XX/18, I received another letter from Sychrony, this time a XXXX XXXX ( credit bureau specialist XXXX ), with more of the same position being stated. This letter actually referenced both the existing and new account & the acknowledgement of my existing card which was still active and could have been used instead, along with an apology for the ill-advised information given from the lowes associate. But they will not withdraw the credit inquiry from the credit bureau. I have never received any information stating that my existing XXXX account was closed but I was told that from the XXXX associate that it was declined due to inactivity ... and that I could not re-activate it, that I had to apply for a new card. I initially contacted XXXX and then Synchrony for the issue and resolution but neither attempt was successful and only resulted in an apology. My next step was a complaint filed with the XXXX for both companies Ref # case # XXXX and the result of the complaint was more apologies and a XXXX gift card for the inconvenience on behalf of XXXX. Sychrony 's position remained the same in the last 3 letters that I received from them but they did finally acknowledge that I could have used my existing card, so why didn't they explain that to me when I was providing my information for a new card ... somebody should have said, wait Ms XXXX, do you know that you still have an existing card that you can still use? Nobody from synchrony did that and I was on hold for almost 15 minutes with synchrony trying to secure another credit card when I could have just used my existing card. I take my credit very seriously and this entire process was unnecessary and could have been avoided if I was given the correct info. from XXXX and if synchrony cared more about the consumers versus increasing their profit line.
|
| 08/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX SYNCB/XXXX XXXX Todays Date:XX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
SYNCB/XXXX XXXX Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.
Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 08/01/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by SYNCB/CARE CREDIT. SYNCB/CARE CREDIT Acct # XXXX closed my account in XX/XX/2021 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/CARE CREDIT never informed me of my rights. SYNCB/CARE CREDIT has the obligation to correct action. On XX/XX/XXXX, the CFPB released Circular 2022-03 to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX to let SYNCB/CARE CREDIT know about the many issues under TILA & BILLING ERRORS 15 USC 1666 with this account. I have tried to explain multiple times to SYNCB/CARE CREDIT what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number " I EXTEND CREDIT '' SIGNED CONTRACT IS THE INSTRUMENT and it is my right to operate in commerce. Does SYNCB/CARE CREDIT know or care about what the penalties for not complying with the ECOA are ? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. Not only is SYNCB/CARE CREDIT appear to be discriminating against me by not letting me extend credit, they are also using defamation there ruining my credit worthiness, tarnishing my name by furnishing negative information " late payments & charge off '' on my consumer reports which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which SYNCB/CARE CREDIT NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " late payments & charge off '' defamation on my consumer report? I don't know maybe, coercion, extortion, wanting me to be quiet while I'm being discriminated against by them? So how can SYNCB/CARE CREDIT say '' I owe '' this alleged debt and think SYNCB/CARE CREDIT has the Power & Authority to close this account when FEDERAL LAW states 18 USC 8 The term obligation '' or other security of the United States includes all bonds , certificates of indebtedness, national bank currency, Federal Reserve notes , Federal Reserve bank notes , coupons , United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law is clearly stating so SYNCB/CARE CREDIT CAN NOT use the excuse " the consumers lack of timely payments '' as reasoning to close my account. And UNDER FTC AND GRAMM LEECH BLILEY ACT it states I have the right to privacy. I never gave my lawful, legal consent, authorization to SYNCB/CARE CREDIT to furnish, spread for profit my NONPUBLIC PERSONAL INFORMATION to unauthorized 3rd parties. I'm just trying to make it clear that I have strong reason that under ECOA there is some discrimination occurring. And there is no Law that states a " a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally, or lawfully can not state that either. FEDERAL LAW supersedes there " company policy '' I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the DISCRMINATION AND DEFAMATION going on by SYNCB/CARE CREDIT against me and my of Consumer Rights.
|
| 12/01/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Older American |
|
The below bank is a monoply tying all retail stores & credit cards to their bank. I have 7 accounts ... Synchrony bought/merged my existing retailer credit to this bank!!! They won't bargain to lower interest rates when prime changes telling consumer the small print states they do not & consumer is stuck. I lost my job and will consider bankruptcy! There goes my credit. I am XXXX years old & resent this bank can XXXX consumers with blessings of company.
XXXX XXXX XXXX XXXX GA XXXX Synchrony Fact Sheet Synchrony ( XXXX : SYF ) is a premier consumer financial services company delivering customized financing programs across key industries including retail, health, auto, travel and home, along with award-winning consumer banking products. With more than {$140.00} XXXX in sales financed and XXXX XXXX active accounts, Synchrony brings deep industry expertise, actionable data insights, innovative solutions and differentiated digital experiences to improve the success of every business we serve and the quality of each life we touch. More information can be found at www.synchrony.com and through XXXX : @ Synchrony.
Stronger Connections. Broader Engagement.
Weve built relationships with national and regional retailers, healthcare providers, manufacturers and more. We serve hundreds of thousands of partner locations across the U.S. and XXXX, and each one is important to us.
Our financial expertise spans key product areas, including apparel, electronics and appliances, home furnishings, automotive, power products and sports, jewelry and luxury, other retail, elective healthcare procedures and services, and more.
Our investments in technology across multiple platformsin-store, online and mobileallow us to engage consumers when and where they want. Our programs and tools strengthen the relationship between our business partners and their customers, driving growth and opportunity across the board.
SYNCHRONY is a leader in consumer financial services with more than 85 years of retail heritage. Our consumer finance business is the largest issuer of private label credit cards in the U.S. and encompasses three sales platforms : Retail Card, CareCredit and Payment Solutions. Synchrony Bank also offers a range of FDIC-insured savings products directly and online. Youll find more detailed descriptions below.
Retail Card We provide private label credit cards, Dual CardsTM and business credit products for businesses of all sizesfrom national retailers to XXXX XXXX XXXX. Our tailored credit card and loyalty programs engage customers when and where they shopin-store, online or via mobileand add value with targeted offers and features.
National and regional retailers with which we have ongoing program agreements.
Our patented Dual Cards are credit cards that function as a private label credit card when used to purchase goods and services from our partners, and as a general purpose credit card when used elsewhere.
We currently issue Dual Cards for use on the Visa and Mastercard networks and we currently have the ability to issue Dual Cards for use on the XXXX XXXX and XXXX XXXX CareCredit CareCredit is a leading provider of promotional financing for consumers who can use the health, wellness and personal care credit card at health-focused retailers and for procedures at healthcare practices, including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, primary care, day and XXXX XXXX XXXX, medical specialists and ancillary services.
Accepted at more than 210,000 provider and healthfocused retailer locations nationwide.
We have relationships with more than 110 professional and other associationsincluding the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. We also work with various state XXXX and XXXX associations, manufacturers and buying groups. They endorse and promote ( in some cases for compensation ) our credit products to their members.
Payment Solutions We offer promotional financing for major consumer purchases. Our private label credit card and financing programs are offered through participating partners : retailers, dealers, manufacturers, buying groups and industry associations across many markets.
We work with partners in Automotive, Electronics and Appliances, Furnishings and Flooring, Home Specialty, Jewelry, and Power Equipment and Sports Synchrony Bank Credit is extended by Synchrony Bank Synchrony Bank offers the savings products that feature award-winning rates and the safety of FDIC insurance*CDs, IRAs, Money Market Accounts and Savings Accounts. In addition, our customers are rewarded for balances they keep or the length of time they have been a customer.
*FDIC insurance up to {$250000.00} per depositor, per insured bank for each ownership category.
By The Numbers 85+ years of history $ XXXX in deposits $ XXXX in financed sales 2019 Synchrony All Rights Reserved Privacy Terms XXXX XXXX XXXX XXXX XXXX
|
| 08/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX SYNCB/LOWES Todays Date:XX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
SYNCB/LOWES Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable.
Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 07/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by SYNCB/PPC Account # XXXX. SYNCB/PPC closed my account on XX/XX/2021 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/PPC never informed me of my rights. SYNCB/PPC has the obligation to correct action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX to let SYNCB/PPC know about the many violations and discrimination and under TILA & BILLING ERRORS 15 USC 1666 falsely furnishing negative damaging information " late payments '' on this account. I have tried to explain multiple times to SYNCB/PPC what the FEDERAL LAWS says in FCRA 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions ORINATE FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT " I EXTEND CREDIT '' and it is my right to operate in commerce. Does SYNCB/PPC know OR care what happens when penalties for not complying with the ECOA happen ? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. Not only is SYNCB/PPC appear to be discriminating against me and denying me extending credit i they are also damaging my credit worthiness, there tarnishing my name by furnishing negative information " late payments '' on my consumer report by coercion to pay this alleged debt which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which SYNCB/PPC NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " late payments '' on my consumer report? I don't know maybe coercion, extortion, wanting me to be quiet while I'm being violated and discriminated against I'm not going to be silent anymore or be in fear by them. Also there violating my privacy under the XXXX XXXX ACT by furnishing, spreading, around for profit my NON PUBLIC PERSONAL INFORMATION to non affiliated third parties. And how can SYNCB/PPC say '' I owe '' this alleged debt and by them assuming this role to falsely believe they have the Power & Authority to close my account when FEDERAL LAW clearly states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law is clearly stating so SYNCB/PPC can not use the excuse " the consumers lack of untimely payments '' as reason to close my account. I'm just trying to make it clear that I have strong reason that under ECOA there is some Violations and Discrimination occurring. And there is no Law that states a " a drop in a consumers credit score '' is valid reason to deny or cancel a consumers extension of credit. So SYNCB/PPC legally , or lawfully CAN NOT state that either. I'm asking the CFPB to draw on its authority to police unfair, deceptive and abusive practices to rein in lending discrimination against SYNCB/PPC against me.
|
| 08/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX SYNB/BP Todays Date:XX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
SYNCB/BP Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable.
Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 05/24/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I am writing to officially lodge a complaint against Synchrony Bank. Synchrony Bank is the credit issuer for several of my credit card accounts : JCPenney, Lowes, XXXX, XXXX, XXXX and Old Navy. Synchrony Bank has randomly over the period of the last 2.5 weeks decreased my credit limits and or closed my account with them with no notice. Case in point, the credit limit on my Lowes account up until this month was {$3500.00} and this month without notice they decreased my credit limit to {$1500.00} which left me with {$170.00} in available credit basically maxing out the account and showing that I am not a credit worthy consumer. I had made a payment on my account of {$310.00} on XX/XX/2019 which left me with ample credit on my account to make the purchase on my account I was making on XX/XX/2019. I made a purchase in one portion of the store on XX/XX/2019 for XXXX and then went into another portion of the store to get the rest of the items that that I needed. The total for the next purchase was over {$500.00}. Keeping in mind that my credit limit was {$3500.00} I knew that I had ample available credit to make my purchase, so I swiped my card and it was declined. The person at the register told me to swipe the card again so I did and it was declined again. I was extremely horrified, embarrassed and humiliated that this card kept getting declined, so I put the purchase on another credit card which I was not planning on doing because it then left me with no available credit on that card. I lost the ability to have the 5 % discount and the option of being able to pay off the purchase over a 6-month period on that purchase by not being able to use my Lowes credit card, in addition I now have to pay off this {$500.00} + purchase immediately in order to have available funds on this account and keep my account in good standing with XXXX XXXX. This has caused an extremely negative impact on my credit worthiness and rating.
Two days after the incident with Lowes, I received an alert from my credit monitoring company informing me that my XXXX account was closed without notice. The alert asked if I had closed the account and stated that if I had not to confirm with the credit grantor that this was not an error. I then logged into my XXXX account which is managed via Synchrony Bank to see what was going on. And it showed that I did not owe them any money, but that I also had no credit available to use. I was totally confused at this point as this account had a XXXX balance but you randomly decide to close the account again without notice, again credit a negative effect on my credit score, credit worthiness and credit rating.
Three days after the alert from the credit monitoring company I received a letter from Synchrony Bank informing me that my credit limit had been decreased on my XXXX account from {$4000.00} to {$1300.00} which left me with {$48.00} in available credit. Again, without any notice to me, the same bank ( Synchrony Bank ) made a random decision and it has created yet another negative impact on my credit rating, credit worthiness and credit score.
XX/XX/2019, I received a letter in the mail again from Synchrony Bank on behalf of JC Penney informing that they have again decreased my credit limit on this account. My credit limit was {$5000.00} and now it is {$2700.00} which left me with {$85.00} in available credit and maxing out my credit card. This again has reflected in a negative impact on my credit score, credit worthiness and credit rating.
XX/XX/2019, I received yet another notification from my credit monitoring company that Synchrony Bank closed my XXXX card, again with no notice which also had absolutely no balance owed on it. This will also have a negative impact on my credit score, credit worthiness and credit rating.
I feel that I have been targeted by Synchrony Bank for absolutely no reason. I also feel that this has been unfair and unjust actions by Synchrony Bank which will take me a long time to recover from without the assistance of an organization such as yours. I am a homeowner and small business owner who takes her credit very seriously. I work extremely hard for everything that I have and to have my livelihood and credit impacted by one company in such a harsh way is not just unfair but also illegal in its tactics. My credit score prior to the actions by Synchrony Bank was just under 700 and now, according to the latest letter that they sent me on behalf of JC Penney, I am sitting at a XXXX. I am requesting an investigation into this matter and would appreciate your assistance in getting this completed. I fear that the actions of Synchrony Bank with have a trickle-down affect with my other credit grantors which would place me in an impossible position which could ultimately end up forcing me to file bankruptcy which could have serious implications for my business.
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| 04/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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In XXXX XXXX I visited the GAP Store, the retail cashier offered me the GAP/SYNCHRONY BANK Credit Card to be used at their stores and at any other stores that acc epts VISA, I explained her that I didnt have SSN ( Social Security Number ) only ITIN ( Individual Taxpayer Identificatio n Number ) but she said that it wasnt necessary and proceed to fill the computer template with my information ; everything was ok and told me I should receive the card in a couple of weeks. After I received the card during XXXX XXXX I tried to activate it in their website but it wasnt possible because a SSN was required. A few days later I called customer service to report this incident and they requested me to send by fax a letter including my ITIN and proof of it, and I should wait 30 days for them to process the information. The fax was submitted per their request on XXXX XXXX XXXX , after the period of time they established I called customer service again and the card was finally activated without any issues. I started using the card in XXXX XXXX , I called customer service to check the balance and the payment due date because I was unable to login to the website and access this information, the last 4 digits of the SSN were requested, I entered the las t 4 di gits of my ITIN unsuccessfully. The representative told me those numbers didnt match and I explained them again that I didnt have SSN only ITIN and they requested a letter. They had in my account a different SSN and the fax with my ITIN supposedly wasnt received in the correct department and asked me to resend it and to wait another 30 days for them to process it ; in the meantime I could make the payments thru the phone using a debit card, but charging me {$10.00} for each payment done in this way, the 1st payment was due o n XX/XX/XXXX and it w as paid on time. After this date, every month I call them to make a payment and explained this situation to every customer service representative. It was suggested to me to contact the fraud department and Ive being calling the m 2 or 3 tim e a month to find answers about this and how to proceed to have the correct information in my account. Sometimes theyve said the ITIN is not accepted and Ive questioned them why the card was activated under this circumstances. Other times theyve said occasionally they accept the ITIN but arent aware of why it wasnt in my case. Based on this situation and because they havent figured out how to fix this problem I filled out my SSN application, went on XXXX XXXX , XXXX to th e Social Security Administration offic es and submitted it ; my SSN card was delivered to me afte r 2 w eeks. I called customer service and fraud department once again to explain them Im a SSN card holder now and asked me to send a letter by fax requesting them to update my account information with my SSN, the letter was submitted on XX/XX/XXXX with a copy of proof of my SSN card. At the same time SYNCHRONY BANK sent me a letter with XXXX XXXX forms ( copies attached ) with XXXX different SSN they are related to me and want me to sign them to authorize the bank to research with th e Social Security Administration if any of these SSNs correspond to me. I called the Social Security Administration o ffice and verified if these numbers were actually related to my name ; their representative have informed me the only record they have with my exact name is the one that they assigned me in XXXX XXXX . At this time the card has been deactivated by the bank until this situation is clear out. They insist me to send the XXXX forms signed to verify my information. Ive explained them thos e SSN numbers are not related to me and that was confirmed by the Social Security Administration o ffice, in addition Ive told them that Ive submitted them the letter with all my correct information to update my account. Sometimes the customer service representatives have been rude and they have hanged up the phone on me. I insisted them that I wont sign those forms because I can be subject to a fine. Ive asked them if the letter with my explanation and SSN copy was received and nobody cant tell me if so, neither if they will update my information, theyve suggested to wait another 30 days and see what happens. Since I activated the card Ive tried to fix this situation unsuccessfully, now they want to correct this situation they have created themselves with those forms that Im not comfortable to sign, neither have they taken in consideration all the information I sent them already. Nobody has offered me a solution to my complaint and it has created more problems with other credit institutions. I dont know what to do or how to proceed, with the objective to capture new customers theyre not following the right procedures and theyre affecting me.
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| 09/11/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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In XX/XX/XXXX, while shopping at a XXXX XXXX XXXX, I opened a Synchrony bank credit card in order to make a store purchase. I applied for a store specific credit promotion of 0 % interest until XX/XX/XXXX. I was aware the 0 % promotion ended in XX/XX/XXXX, however I did NOT know that this was a deferred interest credit card offer. Neither the store employee or credit card company shared or made this critical detail apparent or clear.
I also was NOT warned in advance that all of the deferred interest would be charged as of XX/XX/XXXX. Not a single email was sent to me to warn me or make me aware of this looming fate.
The last time I reviewed my statement was XX/XX/XXXX and saw that I had a balance of {$1900.00}. I was under the impression that an APR rate would kick in as of XX/XX/XXXX, but not that I would be responsible for a retroactive year 's worth of interest. I made the decision to leave the balance of {$1900.00} and not pay it in full, because I was closing on my first home on XX/XX/XXXX and wanted to hold on to any extra cash I had for use towards my home closing fees.
In the months of XX/XX/XXXX and XX/XX/XXXX, I was closing on my first home, renovating and moving in to it. I DID NOT log in to my Synchrony account until XX/XX/XXXX to review my account details. After I logged in, I looked into the account and nearly had a heart attack when I saw an interest charge of over {$1000.00}.
Synchrony DID NOT send clear and transparent warnings that there was deferred interest in the credit card or that the deferred interest was going to kick in on XX/XX/XXXX. IF I HAD KNOWN THIS WAS THE REALITY, I would have paid the {$1900.00} balance IN FULL before XX/XX/XXXX.
When I logged in to review my statement on XX/XX/XXXX, I noticed the approx. {$1000.00} of interest charges and sent a secure message to Synchrony bank in order to resolve the discrepancy.
Three days later they responded on XX/XX/XXXX and explained the deferred interest charge with the following language included : In addition to this email, a letter further explaining the expired promotional balance on your account will be sent to you in the mail. You should expect to receive the letter within the next 7-10 days.
If I had not sent that message to Synchrony, I would have never received email communication or a letter in the mail explaining the deferred interest charge.
Later in the month I followed up with a call to Synchrony Bank in order to resolve or settle the incredulous high interest charge. On the call, I was met by the most ruthless, rude, discourteous Account Manager. I would have listed her name here, but when I asked her for it she responded with " she doesn't have to provide her name to me. '' The Synchrony Bank Account Manager not only attacked me, but also in plain terms accused me of lacking responsibility and said it was my own fault for not reading the " fine print. '' She also said to me you never even logged into your account, so its not our fault this happened. This is untrue ; I did in fact log in in XX/XX/XXXX. The manager added that if I was responsible, I would have at least logged in to my account and not have to have met this fate. She also compared me with her own responsible behavior and how she definitely reads the fine print on all of her own personal credit card offers. If I worked for an untrustworthy bank like Synchrony, I would probably also be wary of ANY fine print and comb through 40 pages of it most meticulously.
Its safe to say that I was speechless. My response to her was an incredulous : Are you fighting with me? And her response was Yes, Im fighting with you.
In short, the lack of transparency and communication on behalf of Synchrony, and the unprofessionalism and offensive nature of their employee, proved to me that this credit offer was completely setup to dupe consumers. On the XX/XX/XXXX call, Synchronys staff person met me from the get-go with attacks and offensive behavior, which were unwarranted, unprofessional and excessive. This behavior convinced me that Synchrony Bank is intentionally masking critical credit card details and burying them deep in their terms and conditions, in order to deceive customers and gain earnings from consumer naivet. This duplicity is then followed up with a customer service employee who attacks like a pit-bull in order to scare off misled consumers from asking any more questions.
I would like to resolve this issue, and I am unsure as to the best method or avenue in doing so. I have called Synchrony Bank again today and have asked for ANY type of resolution to this problem, and once again was met by unrelenting staff who can not provide me with a single solution.
As of today, I have paid of my {$1900.00} balance in full. The deferred interest remains on the account and I kindly ask for some type of settlement or resolution.
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| 01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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The letter I wrote them and sent on XX/XX/XXXX, advising them they have gone well past the allotted date allowed to respond.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Birth date XX/XX/XXXX Last 4 of SSN : XXXX Synchrony Bank dispute dept XXXX XXXX XXXX, Fl XXXX RE : Synchrony Acct # XXXX Merchant Acct # XXXX To whom it may concern : This letter is regarding an accounting dispute and investigation, which I claimed and was processed on XX/XX/XXXX, by a representative of your company by the name of XXXX, employee # XXXX. At that time, I spoke to the representative and explained that the reason for non payment was due to the XXXX XXXX XXXX XXXX XXXX, installing the wrong, most expensive equipment available ; a 3 ton condenser unit and over charging me in the process. When attempts were made, on at least 8 occasions, to contact the contractor to correct the problem, I left messages, but received no phone calls in return, I was left with no choice but to get a second, third, and fourth opinion, to where all of the HVAC COs claimed the A/C unit installed was grossly oversized a unit ( 3 ton condenser ), for my house. And, the multiple opinions I received had told me I was ripped off and told me they could have installed one for XXXX. Also, XXXX said the bigger unit would solve the problem of my upstairs being hot in the summer, while the down stairs was freezing. This DID NOT fix the problem at all. Lastly, I also asked why The charge off amount was XXXX but my report shows XXXX. A XXXX difference unaccounted for. But he could not explain.
This info was provided to your bank for dispute investigation review on XX/XX/XXXX. You had 30 days to respond, per FCRA Regulations and as of XX/XX/XXXX, I have not heard a word as to the results of my dispute. With that said, I demand immediate removal of this charge-off from my credit report along with the removal of the judgement at once. This is a formal notice that my claim is being escalated to a litigious level, barring any foreseeable changes in your companys reporting.
Also, on XX/XX/XXXX, I spoke with a XXXX ( who refused to give me his employee ID for security purposes and he fought with me stating the account was recalled on XX/XX/XXXX and that I must have my dates wrong. I told him I called on the XXXX, spoke to XXXX and you had 30 days from then, not XX/XX/XXXX like he insisted. He even said I must have called on the XXXX of XXXX and I told him that say I had, today is XX/XX/XXXX and today represents the XXXX day in his assumption. I also advised him that I keep meticulous records and that the FCRA allows 30 days from the date informed of dispute, not the day you decided to recall the account from your attorneys, which he says was XX/XX/XXXX. He then proceeded to hang up on me! Is this the level of professionalism I can expect from your company? Hanging up on a customer trying to solve a problem??
So, please be aware, that my simple request to investigate the debt was submitted on XX/XX/XXXX. You had 30 days to respond and get to the bottom of the investigation. You have failed to complete this task in the time required by law, therefore, justifying the simple removal of the negative charge off, on all three bureaus, and remove it immediately! Because any negative mark found on my credit report on any of the bureaus, by you or any company that you represent, for a debt I dont owe due to fraud, is a clear violation of the FCRA & FDCPA ; and demands the removal of the charge off be completed within 10 business days of the receipt of this certified letter, and the removal of the Judgement with immediate effect, as well!
Failure to respond to my second attempt to resolve this issue, within 30 days of receipt of this certified letter, may result in small claims legal action against your company at my local venue. Where I would be seeking a minimum of XXXX in damages per violation for each day it remains on my report for the following : Defamation Negligent Enablement of Identity Fraud Violation of the FDCPA ( including, but not limited toSection 807-8 ) Violation of the FCRA ( including but not limited to Section 623-b ) Violation of FCRA ( Section 695-c ) Please note this was an attempt to correct your records, and any information received from you will be collected as evidence should any further action be deemed necessary.
My contact info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four of SSN : XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including any documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below.
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : FCRA Regards, XXXX XXXX
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| 08/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Complaint is against XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX who backs the TJX Rewards Platinum Mastercard.
Charges started on XX/XX/2017. They are showing {$400.00} in charges, plus additional interest. I see even more charges from these scam fraud companies.
I called the credit card company as soon as I saw the charges on my bill. Told them I didn't purchase anything and told them to shut my card down. They issued me a new card and then they continued to let these companies charge things to me yet again! So I started to investigate myself and obtained one of the phone numbers for the fraud companies from the credit card company from billing. Upon calling the companies, they wanted all my info! They claim the purchase was made at XXXX, which in itself is a red flag. I never received any items from these 7 plus companies ever! Of course now I have given them my address over the phone, so they had my info to claim they shipped things to me with. Nobody will tell me what was purchased on either side. The company in California claims someone called the next day to cancel the purchase. It wasn't me either, since I didn't get their number till the next months billing cycle. I wear no make up products, creams and don't use any devices on my body. I was also in an accident just before these purchases, where I was XXXX XXXX XXXX XXXX XXXX and unable to XXXX XXXX XXXX XXXX without extreme assistance. Still injured to this day. XXXX XXXX can see that my credit history shows only local purchases in the area I live in and I am not a big spender, most is food and some thrift store purchases. I have never given out my credit card info to purchase anything online except a couple of times from their stores they are connected to which is TJMaxx. They can see the whole time I have owned the card that is all I have used it for. I would never order any skin products period. I get XXXX from everything and have a real problem getting XXXX even from the doctor, because I am so sensitive. XXXX XXXX can NOT say I purchased these products or whatever it was, as I didn't and they can't seem to show proof of my signature anywhere for purchase or delivery of such items. Nothing has come to my home by mail, XXXX or XXXX. When I disputed the purchase to the California company they said it won't work out in my favor, but they will refund me 30 %. What? I never made the purchases! It seems this company has a lot of fraud connected to it and that was only one of the many companies that charged to my credit card. I didn't call any others, as I didn't want to give out my info to even more of them. I have opened a fraud case every month with XXXX XXXX, since I found out and they close them with saying Merchandise was shipped to verified address, which is very false. Still no proof of purchase or delivery with my signature. What was even ordered from 10 places? They started out with small charges like {$1.00}, {$2.00}, XXXX, {$16.00}, then moved up to larger charges of {$94.00}, XXXX, etc. Multi charges all within a short period of time of just days. Then the next month it started again and again. I don't understand why XXXX XXXX is taking the side of someone who is committing fraud and companies that are part of it, if they are even real companies or not. I told them right away and they let it continue. I have a freeze on my account and have put fraud alerts on the 3 main credit reporting bureaus. I have received notice from XXXX, my own person bank and XXXX XXXX that my info has been breached and released including credit card numbers, pins, codes, my address, account info, etc. I even filed a police report. I will not pay the charged amount. I have been paying my own charges that are valid by the due date. The card is still frozen and I would have done that the second I found out charges were made if I knew I could. I wasn't told that till many months later. I would not open an account with XXXX XXXX again, as those fraud companies again would be charging to my account. I looked online and there are so many complaints against XXXX XXXX who seem to back local stores for credit. I have no issues with any other creditors and all my cards are paid off except this one. I won't be paying these charges ever, as they are not mine. I guess it will put a ding on my credit, but it will forever be marked as fraud to me. With all the money I have spent using this card you would think they would be able to figure out that they weren't my charges. It is a big waving red flag that they seem to be blind to. Other credit card companies will be getting my business from now on. My credit score is very high. XXXX XXXX should be ashamed for siding with a bunch of scamming fraud companies! I will file with every company or agency I can to report this fraud until it is resolved. I will not stop till they correct it period.
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| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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In XXXX and XX/XX/2023, I mailed Synchrony Bank a Billing Error Dispute Affidavit and they did not respond. I informed them also via phone, but I got no response in writing. So on XX/XX/XXXX, I uploaded a notarized version here with the CFPB to get their attention because they were refusing to honor my requests for Documentary Evidence as provided by the law 15 U.S. Code 44 - Definitions Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. They gave a flimsy answer here around XX/XX/XXXX to CFPB BUT STILL REFUSE to contact me directly to address the real concerns. The affidavit said rebut item for item if you dispute the laws Im standing on because I believe and still believe I was being billed in error for a debt that I did Not owe to Synchrony. Even so, they never stopped their debt collection and demanded payment. I told them on their own recorded lines several times that we are in a billing error dispute and they were to cease collection because I did NOT have to pay until we resolved it by Synchrony providing the Documentary evidence, notifying the credit bureaus of the Dispute ( which they never did ), placing Dispute label on my account ( which they never did ) and responding to my affidavit of truth regarding my billing error dispute ( which is again Re attached ). I made the payment in full but sent another copy of the billing error dispute to them along with payment in full. The payment and billing error dispute were then mailed via USPS certified mail with signature required to the attention of the CEO. They received it on XX/XX/XXXX and it was signed for on that day, but they then pretended until XX/XX/XXXX that they could not find it. Around XXXX XXXX they posted the lawful payment for XX/XX/XXXX and closed my account. This was clearly an act of Aversion as the law prohibits during a billing error dispute. They said the reason was for payment delinquency. This account was never lateI placed them in a billing error dispute according to the law and lawfully withheld my payments. According to the law which states : 12 CFR 1026.13 - Billing error resolution ( Regulation Z ) ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ) It prohibits acts of aversion : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
Synchrony bank violated all of my lawful rights under the billing error dispute and Im not sure if its because they didnt value me as a XXXX XXXX or a person with a XXXX but Im attaching the recording of their own managers agreeing that the account should not have been closed because they saw the dispute on my account finally in late XXXX. Im incurring damage daily as I needed my card for XXXX expenses. I was told in late XXXX the account would be restored within three days. But its XX/XX/XXXX and its still closed and XXXX XXXX who did the previous flimsy lazy response hasnt contacted me nor has XXXX XXXX in the billing inquiries department responded after numerous messages I left for her. I have recorded my number messages for proof and my conversations with Synchriny because they always say it will be recorded so I always say that I agree to the recording of the call and so I record too. Ive attached only two but all of them are available to them or to the CFPB. I want my account reopened with my same {$3800.00} credit limit with {$3800.00} available to me immediately. Correction, the audio files exceed the limit allowed by the CFPB. I can mail on a flash drive if desired. I made copies.
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| 07/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XX/XX/XXXX I purchased what I was told was a painting. In XXXX XXXX the painting was sent to me via XXXX. The painting was left outside my door in the rain. When I opened the package, the painting was in the wrong frame and wrinkled. I also learned at that point that it was not an actual painting. It was a print copied onto canvas and some type of clear paint added to make it look like an actual painting. The painting came with a certificate of authenticity, a registration number, and the actual print was numbered ( XXXX out of XXXX ) and signed. I contacted Park West Gallery and sent them pictures. After some back and forth the XXXX agreed to take the painting back and reframe it. Park West arranged for XXXX to come pick up the painting. On XXXX XXXX XXXX the painting was picked up by XXXX. At this point I learned almost XXXX weeks later that XXXX had mixed up shipping packages and lost the painting. I made every effort I could on my end to locate the lost painting even spending XXXX hours going though thousands of pallets of returned goods in warehouses. XXXX informed me that they acknowledged they lost the painting and they would reimburse Park West once they made a claim. I spoke back and forth with Park West and they refused to cancel the charge. I disputed the charge immediately with XXXX Bank when the painting first arrived damaged. I was told to fill out everything online using a link that was given to me. I also followed this up with a letter. After opening the dispute I did not ever receive anything in writing from synchrony. When I followed up with the credit card company, they said they would mail out confirmation of the dispute including any responses from Park West. The next communication I received is that the dispute was closed and found in favor of Park West because they agreed to send me a DIFFERENT painting. I informed Synchrony that I did not want a different painting and that I should not be forced into purchasing a different painting. I tried to file a claim with XXXX but was told that Park West must file it because they arranged for and paid for the shipping. When I contacted Park West they wrote back stating that they would not be filing a claim and that I would be forced to accept a different painting. Again, my painting was registered, numbered and was not an actual painting as I was told it was when I purchased it on the cruise ship. I let Park West and XXXX know that forcing me to purchase a different painting with a different registration number and different number in the limited edition series was not acceptable. I also let XXXX know that Park West had the option of getting their money back from XXXX if they would file the claim. At this point ( Beginning of XXXX ) I was told that the dispute would be reopened and again was told that they would mail out everything in writing. I have explained the situation to XXXX and I was told that I could file the claim myself if Park West would sent me a release to do so on their letterhead. They have refused to do so. I have attempted to dispute this charge with XXXX XXXX times. Each time they say I am liable for an item I never received due to the stores no return policy. I don't believe this policy should take the place of never receiving the item. XXXX to replace the item with a different item is not acceptable. Park West has the option of getting the money back for the painting, they just refuse to do it. I believe they are waiting for me to pay for it, then they will file with XXXX essentially selling and collecting money for two so called paintings not just one. If they offer me the same painting it would have to have the same registration number and have the same XXXX out of XXXX on it signed by the artist as the first one did. If they do this it will be fraud. There is no way for them to replace a painting that is registered and numbered. It was a one of a kind item. They have the ability to recoup the money from the lost painting, but they refuse to do so. This makes no sense to me. Being charged by XXXX and ruining my credit for an item never received is also fraud. Not complying with the law to send me documents in writing mailed out to me is also not right. This company misleads consumers and tells them they are buying actual paintings and they are not actual paintings. They sent out certificates of authenticity with registration numbers and hand number the paintings on the back, then claim they can just replace the painting... .How can there be an exact replacement if the painting was registered and numbered? I would like to know why I am being harassed by Park West and Synchrony and also having my credit destroyed when Park West could simply file a claim with XXXX and get their money back for the lost painting. No person should be made to pay for something that was not received.
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| 05/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Older American |
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I have had a credit card with Amazon ( Synchrony Bank ) for many years. Over the last 10 years, I have opened several credit cards with Synchrony Bank. Almost one week ago, it came to my attention that my Amazon Credit Card account was closed as I went to check the balance and there was a message at the top of the internet page that read : " This account has been closed. No further purchases will be allowed. Continue to make payments until your balance is paid in full. '' I was really nonplussed because of how long I have had a card with them and I use it often and, importantly, I pay it off on time and 99.99 % of the time in full. Furthermore, I had contacted them just a few weeks prior to this and asked for my credit limit to be raised. It had been at {$1100.00} limit for many years. I was looking at buying something that might cost me over that amount and my credit was raised to {$3900.00} just a few weeks ( not even one month ) before all my accounts were closed.
After contacting them, I realized that it was a decision by Synchrony Bank. So, I checked all my credit cards with Synchrony Bank and they had all been closed. I called again and was told that a letter had been mailed out to me but, apparently, I was considered 'high risk. ' I am a medical doctor with an excellent income and compared to many people, little debt.
These are the cards and limits that I had with Synchrony Bank.
XXXX {$5000.00} PayPal Credit Card - {$5500.00} PayPay Credit account - {$6000.00} XXXX XXXX - {$500.00} ( recently, this year added ) JCPenney 's - {$1900.00} XXXX XXXX XXXX - {$2000.00} Care Credit - {$14000.00} There might be another one that I am forgetting. But, eight that I can come up with, quickly. I have had most of them for years. The balances on all of them were completely at zero except for another {$60.00} that I owe on my PayPal credit account and my Amazon account.
I have used all of them - at times sporadically ( like the XXXX and the Care Credit for my pets ) but they've all gotten paid off the very first cycle - unless there was a zero percent interest over 6 or 12 months. All payments timely and all in full.
As an older woman, the Care Credit card meant a lot to me should anything awful happen to my pets. I used all the cards. Over the last few months, I had received offers with other banks which I felt that I could not pass up ... specifically XXXX which offered me cards with introductory miles for travel ... so, I had not used any of the cards in a few months.
My credit score did drop a bit as I opened the newer XXXX cards - from XXXX down to the low 700s. However, my credit score when opening all my Synchrony cards was never that high. I have worked years building my credit score. I imagine now that I have the XXXX cards ( I had wanted a travel card with the mileage perk for years and applied once half a dozen years ago and was declined ) - I had planned on going back to using my PayPal credit card because that particular card offered the best rewards back at 2 %.
I own two homes with a small fraction of each home 's value payable in a mortgage for each. In other words, there is nearly XXXX XXXX dollars in equity in the two homes. One of the homes is a family home that has been in my family since XXXX. There is no way that I would not pay any bill. I also have a very good income. There is no reason for all of these accounts to be closed.
Furthermore, by doing so, Synchrony bank changed to debt to credit ratio significantly in my credit reports and thereby hurt my credit score inappropriately and unwarrantedly. It is one thing for a consumer to close an account ; it looks quite differently for a bank such as Synchrony to close 8 different accounts all without true reason. This 'high risk ' is a fabrication for an unknown purpose.
I also had rewards on some of those cards and they are now lost to me. It is an unkind, disrespectful and unwarranted way to treat a customer who has been with them close to a decade and faithfully paid each and every bill on time and in full.
I would like to state here, also, that my Amazon card advertised that large purchase could be done at zero interest - I believe that it was either 6 or 12 months. I purchased somethings on Amazon at the very beginning of XXXX and I am expecting them to honor this as the letters that they sent me on each account are dated XX/XX/XXXX.
I XXXX " Synchrony Bank closing accounts '' and, apparently, they have done this with many, many people. Some - probably many to most - with excellent credit history such as my own. And to do this type of business during a pandemic is extremely disheartening. They should not be allowed to do business in this manner.
Please note that the copy to each credit card mentioned above has the same letter except the name of the credit card is changed.
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| 06/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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It took me almost a year to get to the installation stage ; however, around or about XX/XX/2019 this consumer was able to go into Lowe 's XXXX XXXX, XXXX, AL and inquire about a granite kitchen countertop where someone actually assisted me. The granite I had chosen from online actually turned out to be a laminate, so I paid {$75.00} for a home measurement where the scheduler would call two days later. I waited over a week and no one called, so I called Lowe 's XXXX, AL and was transferred three times, then placed on hold and then transferred to some lady in corporate. She was very rude and disconcerting, kept me on the phone for 15 minutes with nonsense. She could not find my file and stated that I did not have an order. This consumer hung up the phone and waited for another hour or so and called Lowe 's XXXX, AL back where I was transferred to a XXXX who, supposedly, is the manager who I had a problem a year ago trying to place an order for the countertops -- stating that " he was assisting paid customers and there was no one there to assist you. '' The manager assured me that someone would call within two days to set up a time and date for the measurement -- no one called. I called Lowe 's XXXX, AL and spoke with the manager, again, and that same day the estimator called and set up a home measurement.
The estimator came out and was professional, but in his haste to leave noticed that a measurement had not been done on one of the cabinets. Remember the upfront {$75.00} paid for this measurement. Consumer was told that the estimate would be available within three days. After waiting for about a week no one from Lowe 's called. I filed a complaint with the XXXX where I received an email and a phone call from Lowe 's corporate office. Corporate was able to get the estimate for me and explained the next step which was to contract the estimate. In the meantime, I received a phone call from the sales rep at Lowe 's XXXX, AL relaying the estimate. He had previously quoted an estimate of {$1200.00} for the laminate and {$2500.00} for the granite. After measurement, the estimate for the laminate was {$2100.00}, so I decided to go with the granite. I went into the store to contract, and the sales rep could not remember ever giving an estimate for granite, so I refreshed his memory by showing him the granite I had previously chose. He stated that a fabricator needed to be sent out for the granite estimate at no charge - thank God. Now we are up to around XX/XX/2019. I waited a week for the fabricator to call and called the sales rep who stated that the fabricator had tried calling and had left a VM msg - I do not have voice mail.
The problem was that I had assumed the phone call was a telemarketer and hung up. The fabricator called after about a week and a half and set an appointment for the estimate. This fabricator came out and was very professional, but no one called with the results until I contacted corporate, again, and was given an estimate of {$2700.00}. I went into Lowe 's and contracted on or about XX/XX/2019. The scheduling was done through XXXX XXXX XXXX, XXXX, TN and was scheduled for Saturday, XX/XX/2019. The installers from XXXX XXXX XXXX installed the granite countertops but not the backsplashes. The installer stated that he had forgot the backsplashes and that he had called someone to bring them but that person did not answer, so he needed to come back with the backsplashes. Mind you, this is a Saturday, all my counter stuff in placed on a kitchen table and the glue on the stripped walls are showing. Also, the installers unplugged my computer/phone without my permission in which I did not know this was done and was thinking my cable was down because the TVs flashed a strange comment and my phones did not work for almost two hours. Luckily I did not lose any unsaved data. Also, one of the pieces of granite is chipped, but still they installed it.
The XXXX XXXX XXXX scheduler stated that the installers would reschedule for Wednesday, XX/XX/2019 between the hours of XXXX XXXX and XXXX XXXX No one showed up. The scheduler called around or about XXXX XXXX. on Wednesday, XX/XX/2019 and stated that the installers was still on a job that would take 3 hours and that she needed to reschedule for Thursday, XX/XX/2019 between the hours of XXXX XXXX and XXXX XXXX but I objected and stated that the scheduling should be the a.m. and she stated that the installers would be in Mississippi on a job. She stated that she could not understand why I was so upset. No one showed up on Thursday nor did the scheduler call to reschedule.
I am left with an unfinished granite installation where one of the pieces is chipped and the backsplashes are missing with glue skirted on the spaces and exposed. I am not sure why I can not get the service that I paid for - {$2700.00}.
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| 03/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Payment was made but they keep stating that they Synchrony Bank can not locate payment when i have proof of service signed by an employee agent of said bank located in XXXX FL. It appears that Synchrony Bank is may not be following the law. i XXXX XXXX XXXX have received your recent emails stated and letters stating that the Tender of payment was missing and the back office had not reviewed or received it as of yet. Well its a Tender of Payment Coupon redeemable at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( XXXX XXXX, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; XXXX XXXX, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; XXXX XXXX, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Please forward payment to the back department or the Remittance Department asap. Base upon law " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XXXX XXXX, 1933 on HR 1491 p. 83.
The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( XXXX XXXX, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; XXXX XXXX, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; XXXX XXXX, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) I spoke will speak with many Representative of Synchrony and validate and verify that the payment was received as of XX/XX/XXXX2019, and she said yes allow ten days for processing. Well its been well over ten days and i am receiving emails again as of XX/XX/XXXX2019 claiming that my services will be interrupted when you have been paid by tender. Notice there can not be any increase in the principle balance or interest. Therefore XXXX XXXX you are hereby notified that I do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute.
I XXXX XXXX have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute.
Therefore it is not invalid bank information. There is no reason to locate the bank account provided because it would be that of either the Federal Reserves Bank or the US Treasury. You will not need banking account status for this is a tendered payment by law. The funds or i.e. credits are available. Use either the Money Order Remittance or the Coupon.
You have received both payments for both cards please apply the credits thereto both of my accounts. If i do not see them credited within the next fifteen days ill file a complaint with CFPB SEC FTC CONSUMER AFFAIRS & Small claims court.
XXXX XXXX XXXX for account No. [ s ] XXXX XXXX SYNCHRONY BANK XXXX XXXX XXXX XXXX FL [ XXXX ] Routing/ABA # XXXX GOVERNMENT OBLIGATIONs REMITTANCE COUPON Pay and Pledged to the Order of : SYNCHRONY BANK without recourse Amount of Obligation : BY A NON TAX PAYER AT PAR INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of XX/XX/XXXX1933 ; the act of XX/XX/XXXX 1933 ; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ).
Memo : Discharging of Government Obligations Beneficial Interest Holder and Citizen of the United States of America XXXX XXXX, 2019 I have called multiple times and was told that i would need to allow ten business days for the payment to be posted but it has been past ten business days and the letters continue to poor in claiming i need to make a payment when i have tendered the payment to Synchrony bank.
i have the letters from the USPS with signatures from your agents receiving the mail.
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| 10/07/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I can not be sure because I am just finding out, I have been sick off and on and my bf helped me pay off ALL my cards when he was forced to sell his small home.
I told XXXX XXXX Synchrony bank!!! ) do NOT ever open another card for me here again, ever, many months ago maybe over a year ago, I do not remember. ( they sort of trick people! ) I found the msgs I wrote them and now I can not find it due to overwhelming stuff going on here at my home. I was getting all sorts of spam mail thinking it was from XXXX but it was n't because it was sending to another user name I have on my emails and when i clicked /hovered my mouse XXXX time it was NOT XXXX so, long story short, I am thinking my purchases from ( not sure exact dates ) are from my own accounts personal bank so I can keep track and my bf accounts but now I get a call from them ( which due to so many scam and spam phone calls I did not answer, when i did, they just listen, nobody is talking but they are there.
I have had fraud issues so many times before I still can not recoup from the emotional trauma of it. Now I am paranoid.
But when my bf paid off this stuff for me this is what has me steaming! The Synchrony bank/XXXX were told never to do this again and they went ahead and they opened a card AGAIN! All along I am thinking I 'm using my own card and it 's being paid automatic, you know monthly auto pay as I set this up to repair my credit but due to illness have n't worked fulltime so this is a true hardship to try and fix all this.
I finally spoke with someone from synchrony all upset at them only to find out they are n't even in my country. Paranoid? I am about to break down. They told me they are in XXXX! I flipped on this man saying do not ever call me, I am upset enough now I have someone who wants my credit info from another country?
I am too paranoid to talk to anyone, thinking all my stuff is getting paid even if interest only until I get well and find employment ( at age XXXX! ) due to this mess and others like it that put so many consumers in a debt of XXXX, really and now all that hard work on my XXXX XXXX because of this trickery and deceit how am I going to start all over? I am going to lose my home instead of refinance it because now they reported me to the credit bureau destroying me AGAIN! I hate this bank! Therefore, America is in so much debt!
I am over XXXX XXXX XXXX, wear trifocals and they are still messing with my life.
I was so mad telling them do not EVER make me a credit with your bank ever again.
Now I have a about a XXXX bill! HELP!
I have a XXXX of XXXX account that I had signed on for past several months that says I owe nothing so please I feel like they are causing me a XXXX XXXX this is so deceiving, it is trickery. This type of deceit must be stopped especially with the senior folks who, with a good conscience try to have good credit.
If they had to pick up all these tabs to everyone they do this to, then once their pockets started to burn a hole in it, only then would they stop, that 's just what I believe. Its caused me to have so much anxiety especially being the second time. A home, my dear friend 's home was sold to help me end this and now he has nothing and i am back here again? Only ones, Synchrony bank! But if that is n't bad enough now my credit info is in XXXX? what is going on here?
I am not from XXXX and do not want anything going out of my country, I have been frauded too many times. Nothing personal against any country but seriously this is too much risk for me in addition to deceit now my info is traveling all over the planet.
They should have to pay for all the deceit, my peon self wo n't make the difference, it should be any time they do this and be ordered to redact the DAMAGE to my credit report the damage they did to all XXXX credit companies.
They should have to fix it by either pay it themselves or accept XXXX XXXX as payment to principal ONLY until i can figure this mess out. I have no meaningful employment only a job XXXX hour a week and am on gov assistance. I want my credit report fixed please!
So, the bottom line is all this time I thought things from XXXX was being billed to my bf XXXX bank or mine as we set up auto payment for our bills because we lose track and forget and it wasnt. Thats what ruined my credit. Synchrony bank. If I find my mgs to them on the account telling them never to do this again please tell me where to send it. Unless they removed it because I made such a stink.
I cant help it, my ranting on because I am so angry and a good customer of XXXX. I order for my children my grandchildren the entire family and the XXXX hour a week job I have is delivering for XXXX!! I deliver all XXXX packages for the XXXX on XXXX and XXXX Holidays! It is Synchrony bank that makes me upset.
Thank you for reading.
XXXX
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| 12/07/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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I was approved for an XXXX XXXX Credit Card in XXXX XXXX. I made several payments on time except for a month or two in XXXX XXXX. However, On XXXX XXXX, XXXX I accidentally paid my account in full in the amount of {$340.00} and during the same night, I telephoned XXXX XXXX and advised them of the payment that was made and advising them that I mistakenly paid the balance in full but only wished to pay {$98.00}. I spoke with a XXXX who then advised me that in order to reverse the payment, I would have to fax over a copy of the payment that was paid showing that the monies that were paid were taken from my checking account. He then stated that it would be up to the discretion of the company to return the balance paid and that all monies could be returned except for the past due amount of {$98.00}. However, due to the holidays coming and Black Friday Sales, I decided to allow the whole amount to continue to remain as paid due to me wish to shop with XXXX XXXX on another date. A couple of days went by and on XXXX XXXX, XXXX I attempted to make a purchase but the account showed I had no available credit available. I then contacted XXXX XXXX on another date and I was told by a representative that there was not any information showing where a payment was made. I then waited another couple of days and would continuously see " no available credit available ''. I then contacted XXXX XXXX on XXXX/XXXX/XXXX and as I spoke with a representative she began to inform me that my account was closed due to inactivity or purchases on the account. I then contacted XXXX XXXX again on XXXX/XXXX/XXXX and was told that my account was closed due to me being a high risk and inactivity on the account and was advised to call back at a later time due to the time zone they were in. I called back to XXXX XXXX and spoke with a XXXX who then advised me that the account was closed due to my credit being pulled and my credit score and my account was then closed. I was also informed by either a supervisor or representative of XXXX XXXX who informed me that in order for an account to be closed for inactivity on an account it would have to be XXXX months of inactivity on the account. I was then told to re-apply for credit with the company. I then re-applied but thought on how I should not have to re-apply when I paid my account as required and there was no reason to close my existing account. I was also told that I was a high risk to the company and the account was closed after establishing credit with XXXX XXXXSychrony Bank since XXXX XXXX As a customer of XXXX XXXX and a customer who may have missed a payment but my payments were made on time or sometimes twice a month, I feel I was discriminated on due to me being an XXXX American Female and due to me calling to reverse a payment that was mistakenly made. I was also informed that on XXXX/XXXX/XXXX my account with XXXX XXXX was closed and that I would be receiving a letter dated as of XXXX/XXXX/XXXX. I also checked my credit rating on my credit report and it was stated that my account was closed in good standing by the Creditor in which I feel has a negative impact on my credit score rating as well. I am again very dissatisfied with the way I was treated as a customer of XXXX XXXXSynchrony Bank and I know I have been discriminated against. I also am dissatisfied of how my account was closed when I made payments as required. I also am dissatisfied that I was not informed that my account would be closing prior to closing it out. I was told that my account was closed based on a credit report that was pulled and at the time it was pulled it was a score of XXXX. I feel that that the XXXX that handled my account that night should be spoken to on how he dealt with the situation of a paying customer. I also will be following up to ensure that my credit information is corrected on my credit report and also will contact the Better Business Bureau and Federal Trade Commission as well. An apology letter stating their error in closing my account, My account to be noted on my Credit Report as Paid in Full and no comments noted about Creditor closing the account, Actions to be taken in regards to the Supervisor handling the call of closing my account due at his discretion. Correcting the notes in my account to show that my account was not inactive or without purchases to cause the account to close. XXXX XXXX/Synchrony Bank should also reward me for actions they took on closing my account for no apparent reason, also noting my credit records in which has an impact on my future credit purchases. I feel as though XXXX XXXX/Synchorny Bank should not make a choice to pull anyone credit to at random to see if a customer should remain a customer or have their account closed based on their current credit score while the account is opened and in fair standing.
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| 09/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
Older American, Servicemember |
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XX/XX/2023 following Synchrony customer service supervisor info how to get higher payment added to fixed payment promo statement, that all I had to do was pay off new charge, which I repeated back, saying the amount, I took a cash reserve with local bank to do so, and minutes later called back customer service to do as supervisor had said, say I wanted {$250.00} paying now allocated to the new charge, so it would be paid in full. I was given a confirm number of payment, told in 48 hrs would be applied, including weekends.
XX/XX/2023 found no allocation to pay off in my account, but found money misallocated to other promos that had fixed payments and were not past due. Called & chatted with bank & told allocation was scheduled to happen by end of that day, XX/XX/XXXX Mon, would see it by Tuesday.
XX/XX/2023 Tuesday, no changes. Called to see what happened, and now told check back by the XXXX of XXXX, could be then, that sometimes it can take 1 to 2 billing cycles, and as I heard the rep coming up with more and more vague dates, realized sounded like a runaround to cause me to lose window of time payment could be applied without additional money. At no time was I told that the minimum of the fixed payments had to be paid on top of that, but was being told that my {$250.00} had satisfied the minimum, which turned out to be only true if I didn't want to pay off my new promo, as I would have to minus the minimum from new promo, and that would leave me {$140.00} short, so realized now it seemed this was purposefully getting kept from me as if to deceive me long enough to lose the window of time to pay the difference.
When I got that lightbulb moment, then sent an internal message in reply to yet another generic response from a pleasant synchrony worker for help that I realized i had to pay the fixed payments normal minimums in order to have my original {$250.00} applied just to the new promo, and I would be doing that, but I would also be filing this complaint so that the consumer finance would help to oversee that Syn would do the right thing and actually apply my payments to my purchase I wanted to pay off, and not try to trick me I didn't need to pay more in order to do so.
This last email got a response that due to nature of my last letter, it would be forwarded to the corporate office for help. So finally got them to stop giving canned response when said was filing formal complaint against lack of action from them and mismanagement of my payments to apply that money to another promo that had a fixed payment so in effect break two contracts I had with them to only have x dollars fixed payments until paid off. But still to date in my account the money paid stays applied to other promo and not to the new promo as Synchrony printed promotion tells me I can do, which is pay off before 6 months without interest or penalty.
Even after I paid on XX/XX/2023 the {$110.00} for the fixed payment 's minimum, days yet ahead of payment due date, still none of the misappropriation amounts change, my {$250.00} I paid to pay off my new {$250.00} charge on XX/XX/2023, has been returned to that and that charge counted as paid in full. However, I was told in 24 hours the payment would be applied, but I heard those words before, so this time I need to seek supervised help on this allocation, that they both are actually applied and done, instead of being told they are 'done ' yet nothing changes. This to me is a stall tactic to block my being able to do a pay off, and make it more expensive for me to pay off by tacking on next billing cycle money due, and see if I will pay the higher monthly due the system is stuck on using my auto pay so that they can charge me fees for the auto pay is {$30.00} less than this new charge, but {$110.00} is only what I owe, and not {$140.00}. I am finding that Synchrony entreats me to get help by telephone, but on the back of paper statements they say that any help by phone does not count, yet I am told to make allocations by phone, so this seems a setup to think you are going to get to pay off your promo early easily only to find yourself facing seeing your money applied in wrong ways, and then a bunch of wait a few more days, and more days and so on as some kind of method to trick you to wait too long, and then blame it on their system. In the initial brochure I got on this carecredit, it says I could pay off my promo any time, but when I have come to actually do it in order to stop a sudden higher monthly payment I was not told would happen, am finding not being informed correctly of dollar amount to do so, and seems perhaps to get trapped into a system response that will then misapply the funds in other ways, and blame it on the system. 100 % though no promises have resulted in the wrongly moneys changed and the paid in full made.
|
| 09/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
I had 9 credit card account with Synchrony Bank ( aka Synchrony Financial ). My average credit score with the 3 credit bureaus is over XXXX ( Excellent ), have a perfect payment record, zero defaults, no public record, zero debt utilization and {$27.00} total debt on about XX/XX/2021.
On around XX/XX/2021 I applied for credit limit increases on all my credit cards that allowed me to do this without any impact to my credit record. Synchrony Bank approved my credit limit increases on all 9 of their credit cards and in some cases granted me credit limit increases much more than what I requested for. They positively reported 2 of these credit limit increases and on the next day ( about XX/XX/2021 ) closed all 9 of my credit cards with them without any notice whatsoever. Upon looking at the 9 closed accounts on my XXXX credit report I saw that the new higher credit limits were reported by Synchrony on all of the 9 credit card accounts with the description " Exceptional payment history '' and " Closed by Bank ''.
I called the bank several times and was told that the accounts were closed because I was deemed to be " high risk ''. They could not explain why since my credit record showed no such evidence. They explained that the decision was final and there was nothing I could do to appeal this decision to close the 9 credit card accounts.
I asked about one of the new cards where I was owed a {$100.00} bonus for fulfilling the promotional offer but was told that I lost that because the account was closed ( even though it was the bank that closed it for no current reason or evidence of any type of default on my part ).
If high risk was the reason for closing the 9 credit cards why then did Synchrony grant me credit limit increases the day before on ALL 9 credit cards? This is contradictory and disingenuous since there was NO change in my credit card record in the one or two days between granting me the credit limit increases and closing the 9 accounts. Further, if I was high risk why did Synchrony not already close my 9 accounts well before I applied for any credit limit increases. After all Synchrony had effectively finally decided that even reducing my credit limits on all XXXX credit cards to almost zero was essentially " high risk '' since the closed accounts represented XXXX total credit limit and zero risk. It is a fact that all credit cards expose the banks to some level of risk. In this case Synchrony had previously determined that I was not high risk when I did not apply for the credit limit increases but was high risk after I successfully received their credit limit increases but at this moment even a {$1.00} credit limit was a high risk against me ( as they did in fact close all XXXX accounts ).
I see that the extreme and aggressive uncalled for action of closing all XXXX of my credit cards as a flagrant attempt by Synchrony Bank to severely destroy my credit record. If I am high risk to warrant XXXX credit at my exceptional credit standing then essentially the vast majority of all Synchrony Bank 's existing credit cart customers with lesser credit standing ( record ) than mine are ALL " high risk ''. If Synchrony applied this high standard consistently across its credit card portfolio then it would have to close out up to 90 % of its current customer credit card accounts.
So we know that Synchrony for some strange unknown reason targeted me simply because I requested the credit limit increase that was available to all at the Synchrony Bank credit card web site. At no point during this Synchrony credit limit increase process did Synchrony ever warn me that I might be " punished '' with a credit card closure for just simply requesting ( asking ) for a credit limit increase which Synchrony may for any reason accept or deny ( in my case it was always approved because of my excellent credit record is the only plausible reason I can come up with ) and they always accepted and granted me much more than even I asked for in some of the cases!
I sincerely believe that Synchrony Bank was extremely unfair to me who was a loyal and one of their biggest single customer and in no way at all any credible credit risk to Synchrony as demonstrated to Synchrony in the last 10 to 30 plus years. One just can not obtain an exceptional ( XXXX or above ) score and be currently a high risk when one only owes {$27.00} to the entire world.
There is no reasonable way that Synchrony can explain the above deliberate and malicious course of action they took to more destroy my credit record than for any of their flippant, theoretical and abstract reasons that have absolutely no basis in the real world. Decisions based on possible and probable future events are just speculation for after all it is knowable that almost all things are possible or possibly not.
|
| 07/21/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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My complaint is with Synchrony Bank, which is the company that provides credit card services for Guitar Center and Pep Boys, the companies I have cards for. I apologize for not having as many details for Guitar Center as I do for Pep Boys, but a lot of it applies to both cards. I opened the Synchrony/Guitar Center card on XX/XX/XXXX and was approved for a {$1300.00} credit limit. I opened the Synchrony/Pep Boys card on XX/XX/XXXX and was approved for a {$1000.00} credit limit.
In early XX/XX/XXXX, Synchrony informed me that my credit limit for the Guitar Center card was being reduced to {$610.00}. My balance at the time of the reduction was {$580.00}. I currently owe {$440.00} on this card. On XX/XX/XXXX, Synchrony informed me that my credit limit for the Pep Boys card was being reduced to {$400.00}. I currently owe {$380.00} on this card. Both times, the reasons listed for these reductions were : -Delinquent or Derogatory Real Estate Secured Loan -Balances on Accounts Too High Compared to Credit Limits and Loan Amounts -Delinquent or Derogatory Accounts -Average Time Since Revolving Accounts Opened is Too Recent I can't say what my credit rating was when the Guitar Center card was reduced as I don't have the Synchrony letter about the reduction anymore, but in the letter for the reduction on the Pep Boys card they state that my XXXX credit score was XXXX on XX/XX/XXXX. When I checked XXXX XXXX for my XXXX credit score on XX/XX/XXXX, it showed as being XXXX on XX/XX/XXXX, down from XXXX on XX/XX/XXXX. It did not decrease below XXXX between these dates. When my Guitar Center card reduction happened, I called Synchrony for clarification and they reiterated the reasons above.
It should be noted that my credit score was XXXX points better in XX/XX/XXXX than it was when I was approved for the {$1300.00} Guitar Center credit limit on XX/XX/XXXX. This is also the case when I was approved for the {$1000.00} Pep Boys credit limit on XX/XX/XXXX. It should also be noted that the delinquent or derogatory real estate information was 3 late payments from XXXX. This was known information when I was approved for both cards, nothing has changed whatsoever in regards to my mortgage, which has been on time and current since XX/XX/XXXX.
Aside from the 3 missed mortgage payments from XXXX, I don't have a single derogatory remark on my credit report, regardless of credit reporting agency. Every account is paid on time and shows as so on the reports, whether the account is a credit card, a personal loan, or my mortgage. And the last new credit account I've opened was on XX/XX/XXXX, for a XXXX credit card provided by, you guessed it, Synchrony bank. In addition, I don't have a single card maxed out, not by a long shot. Some of the balances may be high, but nothing is maxed.
The reason I'm telling you all this is because, aside from " Balances on accounts too high compared to credit limits and loan amounts '', Synchrony had no legitimate reason to lower either card 's credit limit. My belief is that they arbitrarily lower these limits on their cards as the cardholder 's application approval date nears it's one year anniversary, which is detrimental to both the cardholder and the vendor that Synchrony provides their services for.
This practice is detrimental to the cardholder because the reduction of the credit limit negatively impacts their credit rating, causing their credit score to go down and severely hindering any future credit application approvals, including applications for housing, buying a vehicle, etc.
This is also detrimental to the vendor as it impacts any future business they may receive. A perfect example is that I'm due for an oil change and had intended to go to Pep Boys for the service and pay for it on my card, but now that I only have {$11.00} available on my card I have to think of another option for getting the service done, including going to a different service provider.
I understand that I may not ever have an emergency that would require my making a purchase of some kind at Guitar Center, but part of the reasoning behind my having the Pep Boys card was specifically for peace of mind at the possibility of having to cover the cost of emergency repairs for my car. Synchrony reducing my credit limit to the point that my card is all but maxed out takes away that peace of mind, not to mention puts me in a possible hardship to cover any vehicular repair emergencies that may arise. I haven't missed a single payment to either card and have paid both on time every month going back to the first statement on each.
I am asking for you to investigate Synchrony Bank over this business practice, as I believe that they are causing possible financial hardships to consumers as well as negatively impacting consumers credit ratings.
|
| 11/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Synchrony Financial will not verify my payments made for their account through XXXX XXXX. They are disregarding their contracted collection agency payment arrangements when pulling accounts back. They 've now sold to another collection agency for the full amount which is incorrect and require me to postal mail all bank statements. I could not get a phone number or fax number for Synchrony 's dispute department. Only a PO box from an offshore representative with a 30 day turn around on response, if they choose to respond.
XXXX - Synchrony Financial charged off my JCPenney credit card for the amount of {$1500.00}.
XXXX - XXXX XXXX XXXX picked up the account in XXXX XXXX. I setup a payment arrangement with XXXX XXXX XXXX to deduct {$45.00} from my XXXX bank account until the balance was paid in full. Was given the option to settle in the letter but decided to pay in full so my my credit report would look better when I purchase a house. I made 16 on-time automatic deductions of {$45.00} from my XXXX account between XXXX/XXXX/XXXX - XXXX/XXXX/XXXX before XXXX XXXX stopped the automatic deductions for the XXXX XXXX payment. My total payments to XXXX XXXX was {$720.00} with a remaining balance of {$790.00}. This has been verified through the XXXX XXXX reps.
XXXX - I called XXXX XXXX when I noticed the XXXX amount had not been deducted from my XXXX account. I was told Synchrony Financial had pulled the account back for unknown reasons and the account was closed. I received no mail or calls from Synchrony Financial regarding this decision or after this occurred.
XXXX - I receive a letter from a new creditor, XXXX XXXX XXXX, seeking the full balance of {$1500.00} again on behalf of Synchrony Financial. I sent XXXX a dispute letter by certified mail on the amount owed requesting them to verify the amount and told them about the previous payments made.
XXXX - Synchrony Financial is also reporting a balance of {$1500.00} and past due amount of {$450.00} on my XXXX Credit Report. Disputed with XXXX and amounts were not updated when the investigation was complete, Synchrony Financial responded with incorrect amounts again.
XXXX/XXXX/XXXX - XXXX responds with a large packet of JCPenney website screenshots from XXXX saying the account is now verified, still say I owe an incorrect amount of {$1500.00}. I called Synchrony Financial again telling them about the XXXX XXXX payments totaling {$720.00} were not applied to this debt before they transferred to XXXX. The rep was located offshore and only able to provide me with a PO box to mail my XXXX bank statements and payment proof from XXXX XXXX. Told him they should be the ones to contact XXXX XXXX about payments made to this account not transferring between their companies correctly. Again the burden of proof was put back on me - I again requested a phone number to contact someone who I can speak with about this and he could only refer me to a mailing PO box to dispute!
XXXX/XXXX/XXXX - Called XXXX XXXX asking for payment history and tell them what is going on with XXXXXXXX XXXX. Told a manager is only able to access my account for payment history since it 's closed now. The rep said it would be sent and I will receive it in about 10 business days. She verified the amount left when the account was closed was {$790.00}.
XXXX/XXXX/XXXX Called XXXX XXXX and explained my situation. The manager told me they would send the account back to XXXX XXXX as disputed.
XXXX/XXXX/XXXX Followed up with Synchrony Financial on the dispute - Was told by the rep my fraud dispute was denied. I never told XXXX it was fraud, only that the balance still owed was incorrect! They 're requesting again I send in payment proof again to the PO box and it could take up to 30 days to get a response. Asked him if I could just pay the remaining {$790.00} to resolve this matter, was told I owed {$1500.00} still!
XXXX/XXXX/XXXX - Spoke to XXXX XXXX and they say the payment information was sent to Synchrony Financial when the account was returned. The rep told me today she did n't see where the manager had requested my payment history be sent from my call on XXXX. She said they 're sending me payment history by mail. I should have it by next week to send to Synchrony Financial. ( I recorded call - and includes information on my payments and balance ) I have all phone conversations recorded to prove these conversations occurred. I have all XXXX bank statements attached with my sixteeXXXX {$45.00} XXXX XXXX Payments highlighted. When I get the XXXX XXXX payment history proof next week in the mail I can mail it, but I should n't have to. They should have a communication line to their collectors. I have no confidence they will verify any proof I send since they 've taken no effort to do so to date. Please help!
|
| 04/11/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Dear Madam or Sir, I am contacting your agency because I have been trying to close a regular PayPal account ( Not a credit card account ) I had used sometimes when purchasing items online so that I did not have to put my banks debit or credit card numbers on merchants website and risk someone stealing my card numbers. I have called PayPal at least three times in order to do this, but they have told me that their other company or subsidiary PayPal Credit ( Synchrony Bank ) will not allow them to close this account although it is completely different from their credit card services. With this PayPal they just act basically as a processor and my purchases were paid for with my personal banks debit card or credit card that I would pay purchases with and I have actually had this account since XXXX, but as I said they would not allow me to close it although it has nothing at all to do with PayPal credit and of course since my purchases were made with my personal bank cards I do not owe PayPal anything at all.
I feel PayPal Credit is not allowing me to close this regular PayPal account although PayPal Credit has closed my PayPal Credit account as a form of harassment and acting in a way I feel is punitive reasons because of the balance they have stated I owe them on a PayPal credit account that I have a substantive disagreement with so I would like to file this complaint because of both of these reasons and because of some additional information I need to add below and I am asking that you please instruct PayPal to close the other account as I have instructed them to do, but they have refused to do so and I feel at this point that the fact that PayPal Credit which is serviced by Synchrony Bank has did and not allowed me to make any form of payment arrangement but just continue to add fee 's although the account was closed in XX/XX/XXXX without my knowledge and closed when it went over my credit limit of XXXX is punitive and seems like some form of retaliation.
From the moment my PayPal Credit ( Synchrony Bank ) account went over my credit limit of {$700.00} because of a late payment fee they only tried to contact me by phone one or two times and when I told them when I could make a payment they agreed to that time frame and told me they would not add anymore fee 's to my account. They also told me that my account was still open, which I found out later was not true. When I did tried to make a payment to the agreed amount I found out at that time they had not did what they said they would do, but had added additional late fee 's which I did not have. I asked to have a supervisor call me back and I was instructed one would call me back, but no one ever did.
Although I called several times afterwards. Instead every time I called and spoke with customer service they would not agree to do any kind of payment arrangment. They simply told me I had to bring the account current and make the scheduled payments the way they were scheduled, but they kept adding late fee 's and over the limit fees and any fees it seemed they could find. Now they have the balance owed at well over XXXX and late fee 's at XXXX per month. Unlike regular credit companies looking to minimize damages they have not tried to return my calls or contact me at all by phone regarding this debt. I realize that it seems like they are purposely trying to make this debt get as high as they possibly can by adding late fee 's each month and other fee 's because they feel they can. I have informed them because of an older family member who is over 90 years of age that I have had to take care of because of covid that I am not working now, but they do not care at all and although they closed this account right after it got over the XXXX credit limit they have continued to add late fee 's and other fee 's on this account that seems as if they are retaliating and not trying to minimize anything, but simply try to get as much money as possible from me which should not be allowed. They are simply trying to take advantage of me and by even trying to make me keep a regular PayPal account open, although they have closed the PayPal credit account does not make any sense unless they are trying to harass me and possibly trying to make it look like they have more people using PayPal services then they actually do for stock holders or something like that. I am also concerned because I feel I am being used and they should not have the right to keep my personal information including my bank and debit card information on that site when I have asked them to close this account. If your agency can not help me, can you tell me what agency may be able to or if I should file a complaint with the attorney general here in California?
PayPal Credit account number XXXX Thank you, XXXX XXXX
|
| 01/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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ATTN : Synchrony Bank Legal Department Synchrony Bank Customer Service Department XXXX Synchrony Bank, Legal Operation, XXXX. XXXX XXXX, XXXX XXXX, KS XXXX, ATTN : ARBITRATION DEMAND. The party seeking arbitration must select either the XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, or XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX. XXXX XXXX. XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, UT XXXX XXXX XXXX Department Paypal Legal Department - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX cc : CFPB cc : XXXX cc : FTC Synchrony Bank XXXX Paypal Credit/Bill Me Later XXXX Paypal Bill Me Later?
Paypal email address XXXX Synchrony Bank contact email address for every account I have with them ( at one point was over 10 ) XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, CA XXXX Paypal Credit/Bill Me Later/Synchrony Bank Payment date change without proper opportunity to pay violating multiple laws of the Credit Card Act of XXXX primarily 1 ) Bank servicing changes, 2 ) payment due dates changing without providing accurate and timely information 3 ) new information on where to make payments, 4 ) how to make payments over the phone as opposed to the digital way Ive made for the previous 6 years of having the account.
The inaccurate late payments ( which are only 2 on XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX reports accurately XXXX late payments ). Its even more interesting because XXXX reports for 7 yrs, but XXXX only 6 months, and XXXX 8 months. The information not transferring to SYNCHRONY from Paypal for those bureaus doesnt make sense. I understand that your organizations pay for this data to report, but I dont understand why this isnt reporting consistently.
The inaccurate reporting on my credit report associated with this account are due to the servicing of the Paypal account transitioning from Paypal direct servicing to Synchrony servicing department. This particular challenge and mishap also has to do with the unavailability for me to have access to digital account information for this account. When I call into Synchrony bank, they have my phone #, my email address, my address, for my other accounts at the time were available up to $ XXXX in available debt XXXX XXXX balances XXXX, but not accessibility to my new information. This phone number is not associated with any account like that. Ive since closed all relationships with Synchrony bank since this happened ( except one for dental work ).
Synchrony Bank became the servicer of this account XX/XX/XXXX or XX/XX/XXXX XXXX no one at Synchrony can give an accurate answer so there is an issue ) and changed the payment due date without providing the ability to information to make the payment or when it was actually due. During this time I moved from the XXXX address to XXXX XXXX With my change of address, I have no proof of Synchrony/Paypal providing me information of change of the account. I had no idea that Synchrony bank was the servicer. Also, since I cant access the information online, I cant ( like every other account for every other credit card in the US ), cant access online.
The curveball in all of this is the Paypal account that was associated with this particular account was a business account. When this transitioned to Synchrony, for some reason or another, my having 2 email address with Paypal, one business and one personal, it didn't give me access to either.
This credit card had a 7 year perfect payment history, in fact my credit profile has a 25 year perfect payment history, and the only reported late payments are this account. As soon as I found out what was going on with this, I paid the account in full. I figured as a sign of good faith that this would be resolved in the proper and accurate manner. It hasnt. Im not asking for anything other than the right thing to do. This affecting my ability to get good mortgage rates, which is the difference of communities in which I raise my children. Ive called, Ive dedicated time to resolve this but I dont get anywhere. You dont have to do too much online research to see the Paypal/Synchrony relationship has done a lot of bad things to a lot of people. Its unnecessary, its unfair, and when its all said and done, its illegal. Im not looking for anything other than these items deleted from my credit reports. This is matter between private entities me as a citizen and you as companies. Im now including government agencies who police you which I prefer to avoid but it appears to be a necessity at this point.
Just do whats right. Well take necessary measures if you decide doing whats right isnt what your companies decide to do.
XXXX XXXX XXXX
|
| 03/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
Older American, Servicemember |
|
1. I am writing again because my complaint has not yet been resolved with CareCredit/Synchrony Bank . Within 60 days they agreed to send me the document of who created the account requesting the
CareCredit/Synchrony Bank card . Reminding CareCredit/Synchrony Bank , who wrote to CFPB confirming earlier that it was requested by the medical office and its staff. Which is the truth, 80 days have passed, and they have not sent me who was responsible. I ALSO REMIND CARECREDIT/SYNCRONY THAT I HAVE NEVER CREATED A CARD IN SPANISH I DON'T READ SPANISH I SPEAK A LITTLE I AM NOT A TRANSLATOR AND DID NOT UNDERSTAND WHAT HAPPENED FROM THE BEGINNING. 2. RECEIVED A LETTER FROM CARECREDIT/SYNCHRONY BANK XX/XX/XXXX. CLARIFICATION OF YOUR LETTER WHEN WROTE MY CLAIM TO CFPB IN XXXX I WAS AT XXXX I DID NOT KNOW WHERE THE SCAM CAME FROM BECAUSE I DID NOT APPLY FOR THE CARECREDIT/SYNCHRONY CARD AND DID NOT UNDERSTAND HOW I WOULD DO IT MY CLAIM. XXXX XXXX DID NOT UNDERSTAND EITHER BUT TOLD ME SHE WOULDN'T PAY EVEN {$1.00}. Dollar MORE TO CARECREDIT/SYNCHRONY BANK I THOUGHT MY CREDIT WILL BE AFFECTED BECAUSE SHE SAID THAT SHE PAYED INTEREST TO CARECREDIT/SYNCRONY BANK BUT THE INSTITUTION SAYS THAT INTEREST WAS NOT PAID AND THEY DID NOT EXPLAIN ANYTHING TO ME. WHEN I CALLED CARECREDIT THEY HANG UP MY PHONE " I RECEIVED THAT TREATMENT, THEY JUST SAY I HAVE TO PAY ''. FANNY FOUND WHERE TO COMPLAIN ABOUT SCAMS AND ARRIVED ON THE CFPB PAGE. I PASSED ALL THIS WITHOUT HAVING REQUESTED A CARD AS I EXPLAINED ABOVE IN MY CLAIMS.
CARECREDIT/SYNCHRONY BANK TO ANY CUSTOMER WHO RECEIVES {$1000.00} PER MONTH. APPROVES A CREDIT OF {$4000.00} IN MINUTES. That does not exist, it is a rule in every financial institution to verify data and income. IN MY LETTER I WRITE TO CFPB THAT I RECEIVE SOCIAL SECURITY WHICH I CAN SHOW THAT I RECEIVED {$1000.00}. AND HOW DO I APPROVE CARECREDIT/SYNCHRONY A CARD WITH AN AVAILABLE OF {$4000.00} IN MINUTES Observation! IF I APPLIED FOR ( A CARD ) I WAS SUDDENLY QUALIFIED FOR XXXX or XXXX I DID NOT QUALIFY FOR A {$4000.00} line of credit. Also, at that time that I was in debt with other cards, it was impossible to approve that amount. But the medical office in accordance with CARECREDIT request a card and approve it in minutes using my name TO BENEFIT THE MEDICAL OFFICE AND CARECREDIT/SYNCHRONY BANK.
3. Point clarified in XX/XX/XXXX, they withdraw the {$1500.00} of interest, CareCredit/Synchrony Bank finally explains to me that they do not charge interest ( WHEN PAYMENT ON TIME AND IN 24 MONTHS, THEREFORE THEY LOOK AT MY PAYMENT RECORD AND INFORM THAT I PAY THEM ON TIME EVERY MONTH EXCEPT FOR THE PROMOTION MONTH. THAT MONTH I RECEIVED A CALL FROM CARECREDIT/SYNCHRONY BANK TO INFORM ME OF A MONTH FREE OF PAYMENT AND WITHOUT PENALTY DUE TO THE COVID PANDEMIC THEN CARECREDIT CLASSIFYED THIS MONTH AS LATE PAYMENT TO PLACE ADDITIONAL INTEREST OF {$2000.00} I STILL KEEP THE RECEIPT WHICH WAS REMOVED THANKS TO THE INTERVENTION OF CFPB ) 4. Point not clear IN XXXX WHEN EXPLAINING CARECREDIT/SYNCRON WE LEARNED ABOUT THE FALSE INTERESTS FROM THE MEDICAL OFFICE. XXXX XXXX immediately contacted the medical office, she thought that there was an error by her staff when billing, but it was not like that, what happened there is a scam, the medical office changed the price ( All this and with proof of prices, she explained in her claim ID XXXX - XXXX of XX/XX/XXXX that did not cost that price ) Synchrony Bank does not protect the consumer either. XXXX XXXX filed the complaint with the CFPB, but CARECREDIT / SYNCHRONY BANK says that she does not recognize her as a client, but they did RECEIVE THE MONTHLY PAYMENT FROM HER XXXX DEBIT CARD which shows that she paid. At the time of the first letter, I was unaware of the ( doctor 's office ) price scam. I will also follow my claim in other institutions until I am heard. CARECREDIT/SYNCHRONY BANK harms and takes advantage of clients as a business where professional ethics is. XXXX XXXX could pay with her cards because medical office solicitous a card that she did not need, to increase the price and benefit and using a practice of lying and deceiving the patient at a difficult time.
5. They have not yet credited me with the sum of the {$900.00} dollars that they owe me. If the price of the medical procedure were correct, I would not complain, but here is a scam in the price of the procedure performed, first the doctor 's office declares that it is interest when the lie is discovered, they declare that it is the price. Therefore, the evidence from another medical office was sent to the CFPB where a price quote for the procedure was previously requested in XXXX, and 3 other institutions were also consulted. They are outraged by the excessive charging by the medical office at a difficult time.
|
| 08/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
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Web |
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please see recent case # XXXX. Synchrony responded by taking away interest charges of {$1100.00} for a Citihealth transaction in XX/XX/XXXX, but still insist charging me 26.99 % interest rate for charges that did not occur with Synchrony. All money presently due were transacted with Citihealth, which I know the interest rate was not 26.99 %. I have never gone over {$4000.00} limit and my payments have always been {$75.00} or less per month.There is also another promotion expiring of {$250.00} they are getting ready to charge me XXXX additional interest charge if not paid next month which is again another transaction in XX/XX/XXXX with Citihealth. I do not know how they have the right to charge interest rates of 26.99 %. I can see if these charges occurred within the last 5 months since my account was sold to Synchrony from Citihealth which was not of my doing. So Synchrony thinks they can take advantage of me without showing me my previous interest rate with Citihealth. They are now trying to get me for {$510.00} minimum payment due now. Something is not right with this company and I can not pay this monthly amount. I have not used my card since XX/XX/XXXX, may payments should still continue to be approx {$67.00} per month as they have been up until XX/XX/XXXX. Below is my first complaint. In XXXX, my dentist applied for me a line of credit {$4400.00} with Citihealth. I have since been paying this card and using it as well when need to have dental work done. 0 % the first year, and a small interest fee every yer there after. I have paid at the most month ; y about {$75.00} a month give or take and on time. I last used my card in XX/XX/XXXX for approx {$3000.00} and XX/XX/XXXX for {$250.00}. Recently in XX/XX/XXXX/XX/XX/XXXXof XXXX, I was notified by Citihealth that my line of credit had been sold to XXXX XXXX XXXX and that Synchrony would be sending me a card and I would need to set up an online payment account with them, as my account would no longer be active with Citihealth within the next month. So then I did as was told. I started making payments with synchrony in XX/XX/XXXX of {$67.00} per month as I had been with citihealth. This month as I went online to make my monthly payment and noticed my line of credit was {$800.00} in the negative, instead of + {$400.00}. So as I look further, I noticed a message on my statement about a " promotion expiring '' and my new interest rate was {$26.00}. So I called Synchrony and was told that the {$3000.00} line of credit from Citihhealth I had used back in XXXX of XXXX, they were now gon na charge me 26.99 % interest because I did not pay it off within the year, and more interest if I do not pay off the {$250.00} charge I had used in XX/XX/XXXX. Citihealth has never charged me that much ever. I also do not have any statements as I have gotten my statements via email and then paid my accounts online. I asked for proof of this interest change, and was told they only have the 4 month I was with them on record, and could not verify this with Citihealth, and I should call citihealth. I called Citihealth on XX/XX/XXXX to get my previous statements for the last 2 years. I was told Synchrony had them and that Citihealth legally has to purge all documents once they have sold an account on a customer to another bank. I then called Synchrony again and explained what Citihealth told me. They told me they can not help me this. I have paid my monthly payment to Synchrony of {$67.00} as agreed with Citihealth and intend on paying that every month until resolved which I did tell this to Synchrony. I feel Syncrony is being dishonest with their " promotion '' of an outrageous 26.99 % interest rate, especially since they are not willing to prove this interest rate was of Citihealth doing. When I normally used my credit with citihealth, I was aware I had a year to pay off with 0 %. IF not, I knew I would be paying a small interest rate since XXXX. So now Synchrony is calling me daily telling me I owe late fee and overdrawn fees ( I was late because I got thrown off on the XXXX XXXX when I went to make payment and saw something was off ). I did make a {$67.00} payment for XXXX. They also sent me the only 4 statements they have with me, and now today a certified letter but I want to see the agreement with Citihealth and Synchrony regarding interest rates, which they tell me they ca n't provide. If I am wrong, they need to prove it to me. I used a line of credit given to me by Citihealth since XXXX, and I am pretty sure the interest charge of 26.99 % is incorrect. I Have always had a good credit history with Citihealth. I have not used this credit since being sold to Synchrony. Please advise. I believe I am being scammed by Synchrony since they will not show proof of the interest change.
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| 04/07/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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On XX/XX/2018, I opened a CareCredit/Synchrony Bank ( CC/S ) Account through my XXXX office for XXXX for {$5600.00}. On the sales draft between me and CC/S, the XXXX office coded the purchase correctly for no interest for 12 months. That day, a few minutes later, the XXXX called the company back and had them change the purchase to No Interest If Paid In Full for a term of 36 months. The representative of CC/S advised both of us, on speaker phone, on the 1st statement, it should change to the correct term of 36 months.
From XXXX to XX/XX/2018, the promotion was correct ; No Interest If Paid In Full. On XXXX 's statement, the promotion was changed to Fixed Payment Reduced APR. Myself and the XXXX called continuously to CC/S to get the promotion changed back. On XXXX 's statement, the interest charges were refunded onto the account. Then on XXXX 's statement, the promotion was changed back to Fixed Payment Reduced APR. When calling CC/S, they advised someone had called and told them the cardholder ( me ) asked for it to be changed to a Fixed Payment Reduced APR promotion. When asked for the confirmation for that phone call, they are unable to produce my call, as I did not make one asking for the change. I did not accept the Fixed Payment Reduced APR promotion by writing, orally, or through any type of expressed consent.
From XX/XX/XXXX to present day ( XX/XX/XXXX ), the promotion has been Fixed Payment Reduced APR and I have been being charged interest each month.
Within this time period, myself and the XXXX have called CC/S over an unknown amount of times. Myself and the XXXX have called separately and together in the same room to CC/S, as they tell us both that we both need to call to have it changed. When the XXXX calls, they tell the XXXX I need to call. When I call, they tell me the XXXX needs to call to have it changed. When we are on the call together, they tell us they can not change it anymore as it is past the 90 days.
I have talked with multiple representatives, mangers, and supervisors. Each one tells me they are unable to change it back as it has been over the 90 day period, though we have both been calling since the month it was noticed it was not changed.
I have had two supervisors over the last few months tell me they can change it, as I have told them ( as I have in the past ) that I have the original sales draft with the correct promotion. The first supervisor told me they would request the change and it would take 2 statements to change and all of the interest, well over {$1000.00}, would be refunded to the account. He advised to send in the sales draft using their online message and he would personally get it fixed. On XX/XX/XXXX, I sent in the sales draft. On XX/XX/XXXX, I received a message advising it had not been changed due to not having a 36 month promotion and to respond to have it changed to a 6,12, or 24 month. On XX/XX/XXXX, I responded back asking questions about how the 24 month would be implemented. On XX/XX/XXXX, I received a message saying they corrected the purchase to 24 month deferred interest and within 24/48 hours, the interest should be refunded.
On XX/XX/XXXX, I checked the account for the change. It hadn't been changed and therefore, I sent a message using the same chat feed to ask about the interest charges still showing. On XX/XX/XXXX, they responded advising they needed more time to complete research and would send a written response and it could take up to 30 days. On XX/XX/XXXX, I sent a message asking for another update on the interest charges and advising the sales draft, which was the legal binding contract needed to send to have it changed, was sent. On XX/XX/XXXX, I received a message stating the information was incorrect and this individual would forward the inquiry to the Promotions team to code to a 24 month promotion and it could take two billing cycles. A written response would be sent with the resolution.
On XX/XX/XXXX, I received the written statement advising the promotion would not be changed and advised to refer to the store/provider where the item was purchased to have the promotion corrected.
On XX/XX/XXXX, I contacted the company about the " resolution '' and the supervisor advised she requested for the change to happen to 36 months and to look for the interest to be refunded on the next/XXXX statement and a written letter again.
As of this date, XX/XX/XXXX, the interest has not been refunded. The account has been paid on time and in full each month.
I have sound recordings and text copies of chats and phone calls from the more recent communications with CC/S. I have all statements, any letters from CC/S, and the original sales draft. I have also been told by CC/S that all of their calls are also recorded.
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| 12/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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SIMPLY PUT - SYNCHRONY STRIKES AGAIN!
I noted a charge for {$69.00} to " XXXX '' on my paypal credit account. I googled the name of the merchant and it took me to a XXXX website, I was more sure than ever this was not a valid purchase. I called paypal credit and filed a fraud claim. A few weeks later a nondescript white bubble mailer arrived to my mailbox at my company. It was not signed for, rather the postman just scanned and left in the box. Not knowing what it was I opened it to find a bubble roll inside with a box inside that " working lamp '' - again no idea what it was. I showed it to my husband and asked my employees - no one knew what it was, and for the record, I AM THE ONLY PERSON with access to my paypal credit account. I went back to the XXXX website I found earlier and I thought I would try to see if this was just an error, and I wanted to return the item received, as it was not intended for me. I got an email reply pretty quick. It should be noted between the website, the merchant name and the email reply is XXXX different company names- definitely a nice shell game going on. I was told the item sent was for heat press and screen print to align items. Well, that is nice. I do not do either trade. I sell knives in our store. When I made contact with the company their offer was for me to return the item to XXXX!! That would easily cost me {$20.00} in shipping and then I have no guarantee it was received. The package was sent to me from XXXX, CA. In lieu of returning the items, I was offered, " We can provide you with a 50 % refund equivalent to USD {$34.00} and you get to keep the product. '' WOW, isn't that convenient?? Still NOTHING I ORDERED, NOTHING I CAN USE. I am not even sure what it is or what it does! I had my claim denied by paypal because " item was received '' by buyer. I called paypal and opened another case, again explaining everything here to date. Then several weeks after the case was opened I got a phone call from someone with very broken english stating they were from paypal credit. Now the caller asked me for my account number! Which I knew right away was a scam. However, the caller insisted they were there to help me with my claim to XXXX. In fact, the caller WAS THE MERCHANT! They were trying to get me to admit I bought the item or that I was willing to negotiate on the cost and let me keep it. I IMMEDIATELY called paypal afterwards and reported the conversation. I was told the claim was still being investigated and would resolve on XX/XX/XXXX. On XX/XX/XXXX I got a letter by email that the claim was again denied, and the reason was .... " purchased items were shipped to your address '' ( yes, but still NOT ordered by me or any other person- I do have CONSUMER RIGHTS for UNSOLICITED items received at my address, I attempted and wish to provide said items back to its shipper ). Also denied " you authorized, participated in, or benefitted from the purchase '' - SAYS WHO!?!?! Again, UNSOLICITED MERCHANDISE. It has NOT been used, I do not even know what it is!! And my favorite denial " payments have been made by you on this account '' - UH, I HAVE A PAYMENT DUE! I have items on this account I DID MAKE and I DO OWE. Seriously, you can NOT tell me to not pay my due amount that is NOT related to my claim. I called again today XX/XX/21 and spoke with XXXX in Fraud investigation. After putting me on hold to quiet their barking dog, we spoke for nearly XXXX minutes, until I continue to inquire WHY the {$69.00} was on my account now twice. XXXX said, " oh I see, hold '' - and I went back on hold, to within minutes have a new person on the line insisting they would help me. ABSOLUTELY NOT. I was not starting over, and when I called in previously I was told I could ONLY speak to fraud. This matter needs to be addressed. I did NOT purchase, intend to purchase, nor do I accept a DROP SHIPMENT of a " working lamp ''. I am happy to return ship it to a XXXX address for that is where it came from. I need my account adjusted to ONLY reflect my current XXXX promotions - one expiring in XXXX for {$250.00} and one expiring in XXXX for {$3000.00} - total balance {$3200.00} ( my now current balance on real time online says " XXXX '' that is {$130.00} MORE than my actual due balance. And note that {$130.00} is {$69.00} DOUBLED! So in fact, not only am I NOT being listened to, I now being charged TWICE for a fraud amount. I have tried to call again, and I get nothing but circles on the phone tree. It asks for the last XXXX digits of my account number, and then my phone number, and just repeats over and over. I press XXXX a gazillion times to finally hear it is trasnferring me and then I get hung up on. THIS NEEDS TO BE RESOLVED, I will seek legal counsel and support. This is WRONG WRONG WRONG.
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| 02/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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As I am unable to amend or add to a prior complaint, please add this to that complaint. Do not delete under the guise of " duplicate complaint ''.
The following is a message thread between PayPal and myself. They are not investigating the problem thoroughly. They did not correct the problem two years ago and I had to determine different ways to pay them. Since they have deleted and refuse to add my accounts back, I refuse to bend this time. The following are the case numbers from investigations two years ago that were never completely resolved by PayPal.
XXXX XXXX Both of my bank accounts that have been associated with PayPal for years are not able to be connected. I received a late fee in XXXX if {$41.00} I would like reimbursed. I would also like you to link the following account in order for me to pay my accounts ( both PayPal Credit and PayPal Mastercard ). Routing XXXX XXXX Account : XXXX. YES, the numbers are correct! I have a payment due in four days and have no way to pay it! I want to set up automatic payments and stop having to mail checks!! It should be possible!!! No, the problem is not with my bank. It is with PayPal. I am starting my Consumer Credit Bureau investigation and will submit it if this is not resolved by the end of the day XXXX XXXX XXXX Hello, XXXX! Thank you for using PayPal XXXX! My name is XXXX, I'm a Customer Service XXXX. I'll be happy to assist you with your account needs today.
I am very sorry for any inconvenience that you are facing with the system I understand this could be frustrating but do not worry I will gladly try my best to help.
In order for me to help you as best possible I will need further information please confirm with me the 4 last digits of the bank account or cards that the system is not allowing you to connect I will gladly check on them and try to connect them on my end if that is ok with you.
I see the card ending on XXXX XXXX both unconfirmed We can try to confirm them if that is good with you?
I also see the bank account ending on XXXXand XXXX Disable we can try to reactivate it again if you like.
Please feel free to reply whenever you want and we will respond to you as soon as we can.
XXXX XXXX - XXXXXXXX XXXX is good, but I have been told over and over you will not allow me to pay my paypal credit accounts with my debit card. I need the checking account ending in XXXX activated, so I can make payments. I don't have anything ending in XXXX.
It will not allow me to connect to my XXXX accounts. I have been paying the mastercard with my XXXX checking using autopay, but paypal disenrolled me for some reason. I have been paying my paypal credit account with an actual check, but I am going to be out of town for a month and a half and have not received the bill. I will need account linked in order to pay accounts. I do not want my savings account ending in XXXX linked.
XXXX XXXX AS XXXX I understand how important is from you to have the correct payment instrument linked to the account for you to proceed with the payments.
after revising the information about the issue the system is showing me that a block is being generated already, it might be because of numerous reasons like for example recent updates in the account, unusual device used to login, public wi-fi and others, at the moment it would be necessary to wait a timeframe of 48 hours for the system to automatically remove the block and in that way you will be able to add the bank account again.
I apologize for all of the inconveniences that this is causing to you I would love to remove it right away however it would be necessary to wait the 48 hours without any other attempt otherwise the system will restart the 48 hours period. Also for the Payment with PayPal credit and to see if the fee can be reimbursed it would be necessary to reach them at PayPal Credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for them to give you the options for the reimbursement.
Feel free to respond if you have more questions otherwise please click on End Message to finish the chat session, Thank you much for being a valued customer on PayPal and I wish you a beautiful day!
XXXX XXXX - XXXX There is absolutely nothing wrong with my accounts. This issue stems from a similar problem where paypal was reporting that payments were not made because of insufficient funds. Absolutely incorrect. XXXX investigated and found there were no requests for funds from PayPal/Synchrony XXXX The request is not leaving your system. Please find the problem on your end and correct it. Please place both accounts on hold until this is done. I have requested that the Consumer Financial Protection Bureau investigate the matter. I will not compromise on my end and leave the problem at PayPal uncorrected.
XXXX XXXX
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| 03/31/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I have always had auto pay enabled for this account, and the whole point of autopay is so that I don't have to pay attention to making payments, because it's AUTO pay. This has always been turned on for this account ever since it was first opened. I have made 2 purchases with this card at separate times - a very large sofa with a rug, and a king sized bed with a foundation and some other stuff. The large sofa was paid in full using auto pay without any issues. I attempted to do the same with my king sized bed.
However, even though I had auto pay setup for my king sized bed, at some point something turned it off, and it was NOT me. I was not notified that auto pay was turned off so for 3 solid months no payment was made on my account. I happened to be looking at my email late one night and saw a statement come in for this account saying I owed over {$200.00} and that's the only reason I found out that there was something wrong. I received no other form of communication to alert me to this problem.
Once I got the email, I looked into it and found that auto pay was disabled for whatever reason. So I tried to talk to synchrony. No one could tell me why auto pay was disabled and in fact at one point I was told that I never even had autopay turned on -- EVER. I find this highly disturbing because it sounds like there is inefficient logging around transactional logic in their system, a potential XXXX violation because audit logs are REQUIRED and this is a credit card company?!
This company can't even tell that autopay was enabled in the first place, let alone how or why it was canceled. Furthermore, I can't even pull my entire statement history to prove payments were made consistently on the same day, so I have nothing to show for this complaint because they don't even provide sufficient documentation around MY transactions. Their website doesn't go back that far. This is just reckless and lazy. I should be able to access ALL my statements but that's a different issue.
I told everyone I talked to -- to look at my payment history and you will see my account has been paid every month on the same day ( due to auto pay ) and I have always paid at least double the minimum payment. Eventually, synchrony negated the late fees and whatever other ill-gained charges this account had been rewarded for non payment, so I thought that would be the end of it.
However what I find now is that during the 3 months this company had shut my auto pay down for, they had also been going behind my back and reporting to the credit agencies that I had not been making payments on this card.
Then, this same company pulled my credit report after the wrongful reporting, and decided to drop my credit limit from roughly {$6000.00} to around {$1000.00} which is not only a joke, but it's also an insult considering this was not my doing that shut off auto pay. Why would even I do that? I have a 6 figure income, I think I can handle a $ XXXX payment -- yet I'm getting treated like some homeless bum who is living above their means and can't control their spending. One of their reps was actually talking down to me because of what this company was reporting to credit agencies which is probably what I'm most upset about.
So, this company has basically shot themselves in the foot with the problems they have caused. I am extremely upset and basically if my credit limit is not restored and these negative remarks removed from my credit histories, I will be closing this account. I originally had around an {$800.00} balance left on this card but since this started happening it's been so upsetting that instead of waiting for this balance to be paid off naturally thru monthly payments, I've been throwing a lot more money at this balance and it will now be paid off within the next 2 weeks. Maybe even sooner if I don't stop thinking about this because all it does is get me upset to the point that I don't want anything to do with this card, this company, or rooms to go.
If my credit limit is not restored and these negative remarks removed from my credit report, that will be the final straw for me, to the point that this card is no longer worth my interest. Once the balance is paid in full, this account will be closed and I will simply find another furniture store with a different card that I can open a new account for. There's nothing I can do in a furniture store with a {$1000.00} credit limit and even if there was, that limit is too low for me to care about, especially when you look at the credit limits for my other cards. It makes this one pathetic. And at this point, this entire experience leaves a really sour taste in my mouth so I'm not sure I even want this stupid card even if everything is resolved, it's been that frustrating.
|
| 07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I had a PayPal Mastercard credit card issued through Synchrony Bank that I could no longer afford to pay. I enlisted XXXX XXXX XXXX to help consolidate my credit card debt and work out a payment plan to pay off my credit cards. Everything was fine for years, and I slowly paid off my debt. In a letter dated XX/XX/XXXX, I received a notice that the aforementioned card was paid in full, and it would take up to 45 days for it to be reflected by the credit reporting agencies.
On XX/XX/XXXX I called XXXX XXXX XXXX to inquire about the status of my account, after noticing withdrawals continued in XXXX, XXXX, and XXXX. They had continued to pay Synchrony Bank after my account was paid in full, and the bank had accepted these payments for my closed account. This had not happened with any of the other credit cards. On that same date, XXXX XXXX XXXX called Synchrony on my behalf to see what was going on. They had received extra payments of {$88.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told that Synchrony recognized their mistake, and that I would be receiving a refund from them soon.
Months passed, and I did not receive anything from Synchrony. In the meantime, I had forgotten about the refund. I called XXXX XXXX XXXX first, and they gave me the Synchrony number to call and how to explain my issue to them. On XX/XX/XXXX I called Synchrony myself for the first time to inquire about it, I told them I had never received anything from them since the paid in full notice a year ago. They apologized and told me they would reissue and resend the check in the amount of {$260.00}. I assume the extra {$2.00} was for interest on my balance.
I was given a 4-6 week timeframe, so I called again on XX/XX/XXXX. I told them I never received anything, they apologized and said they would reissue and resend the check again. On XX/XX/XXXX I called for an update and was told that my account did not show any refund and that I was owed nothing. The representative became argumentative when I questioned why I had been told differently the other times I called. I was basically lied to by the previous representative, who had never issued anything. I asked to speak to manager, I was put on hold for a while, and eventually told to call back tomorrow because they were all busy.
On XX/XX/XXXX, I called Synchrony again, this time the representative said they could see the refund and that it had been cancelled for some reason but could not say why. They put in an escalation request, and I was able to speak to a supervisor. I was told they would put in a request to reissue the refund check since I had never received it. I called again on XX/XX/XXXX to see if the check had been sent out and was told the request was approved, and I would have to continue waiting for it. After giving the check enough time to arrive, I called on XXXX/XXXX/XXXX, and after a lot of back and forth, I spoke to a supervisor who apologized and said they would reissue and resend the check yet again.
After another 6 weeks, on XX/XX/XXXX, I called once more because I had not received any mail from Synchrony. I asked for a manager almost right away this time, and I explained everything I am writing here. I asked every question I could think of as well, and was told the only time a request to reissue the refund had ever gone through was on XX/XX/XXXX, and that it was denied the very next day, on XX/XX/XXXX. This means that almost everyone I spoke to was lying to me when they assured me the refund was being sent out or on its way. On this most recent call, I was also initially told that the check had been received and cashed. When I asked who cashed it, they said " treasury '', but they could not provide any details or proof of receipt, and eventually backtracked saying they couldn't confirm if I had received anything or if the check was ever cashed, only that the funds were sent to the bank 's " treasury ''.
At this point, they sounded very confused by Synchrony 's own internal notes and/or policies. They said the only course of action left was to open a dispute and to wait 2 billing cycles in order to receive a response, which is what I have done. However, I do not feel confident that it will be resolved in my favor at all, especially after being told so many different things by so many different people over and over again. There has to be some accountability for the dishonesty of the representatives I spoke to, and with how Synchrony handles their overpayments. There seems to be no oversight, and from what I understood, the debt now owed to me has been erased without explanation even though I have continuously asked for a refund. I have no way of knowing whether anything was ever actually sent to me at any point, but it does not appear so.
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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This Complaint is against Synchrony Bank Credit Amazon store Credit Card XXXX XXXX XXXX XXXX, PA XXXX Phone Number XXXX website : XXXX Accepted settlement XXXX weeks ago for XXXX payments over 3 months. Paid first two on time as they were set up as I thought the third was. I get a notification via text on XX/XX/XXXX XXXXXXXX XXXX central ( why wasnt I texted when it was actually due? ) saying my payment is due XX/XX/XXXX. I called same day and asked how much I owe. Gentleman said the payment was late? I told him my account was on autopay so how was it late? He said it doesnt show that here. I then tell him id like to settle the rest that is owed ( XXXX ). I paid over the phone. He told me that they will make a decision if they will settle the account or not within 30 days and contact me. I said okay.
I filed a complaint against them on XXXX same day with no response as it was sketchy. ( XX/XX/XXXX ) Checked my bank few days later ( included picture ) and was charged the XXXX.
On XX/XX/XXXX 8 days later I get a letter that from a sketchy email thats 'from synchrony ' so I check it. I included that in the pictures as well but will type it out.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account number ending in : XXXX Dear XXXX XXXX, We are contacting you regarding the Amazon Store Card account referenced above.
Due to us not receiving the settlement payment as agreed, we are now reporting this account as a bad debt to the credit reporting agencies.
Please note any future dated payments you may have set up with us have been cancelled and will not be processed.
If you have any questions, or want to discuss payment options for this account, please call the phone number listed below.
Sincerely, SYNCHRONY BANK XXXX this is an attempt to collect a debt any information obtained will be used for that purpose.
Account is owned by SYNCHRONY BANK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Got this around XXXX at night on XX/XX/XXXX. I tried logging into my synchrony account and they cancelled my login. I tried to pay what I owed via guest pay and it wouldn't let me. I included images as proof attached.
so had to wait till the morning to call.
I called around XXXX XXXX XXXXXX/XX/XXXX the phone number provided on the sketchy looking letter and the guy asked me for my account number or FULL SOCIAL SECURITY NUMBER. I told him no way i fill comfortable giving someone my full social over the phone. I hang up and call the number on the back of the card.
Lady confirms the letter is true. My accounts were closed and 'charged ' as a bad debt. I tell her I just made a payment a week ago and there is no reason for them to charge as a bad debt without notifying me first so I had a chance to pay the rest as I let the gentleman know on the phone XXXX days ago. She kept saying sorry do you want to pay it and I kept saying I have to contact CFPB to report now and get my credit repaired after as this is now on my credit even though I let them know XXXX days ago I was fully willing to pay.
-Did n't even give me XXXX hour after notice to pay the account in full before reporting bad debt.
- Didn't let me know of the decision to not honor the settlement because It was 'late ' even though I am enrolled in automatic payments.
- Their website doesn't show what day the settlement payments are due nor does it give you the contract signed so you can check. Website doesn't give how much you owe or show any paid off balance after first few payments.
- said they would reach out and let me know- I was still continually paying so no reason to report to debt collector agency ( which looks like their own bank? ) -Was n't able to pay this bad debt before being let know I had a bad debt even with your 'pay as guest feature '.
-Cant even login to my account to 'pay off the bad debt ' thanks for giving me the chance to screenshot this.
- Seems like retaliation after I filed complaint against them to XXXX - letter seems to be from their debtor agency and doesn't give me amount or ample time to pay debt. Just says they will be reporting to credit agencies. Seems like they are spiting me.
- I paid when I got the text that the payment was due. Image attached.
- I also attached images showing their website not showing what is owed in the settle when or what time. It also shows im enrolled in autopay and says my payment is due in 5 days. Scheduled payment of XXXX is scheduled as well.
- already charged me ( paid in full ) so the payment wasn't canceled yet reported to credit agencies
|
| 06/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Servicemember |
|
When I got the Care Credit Card, issued on behalf of Synchrony Financial Bank, about a little over two years ago, I had a credit score of roughly XXXX.
I had a {$1500.00} credit limit which was increased to {$3000.00} after about six months.
So, I use this card for mostly Pharmacy, vet and a XXXX bill. I made full on Time payments for the first year I had this card. Sometimes, I paid twice a month. At the beginning of last year, this card roughly had a {$1400.00} balance, which is the highest balance I've ever had on it. So I wasn't even using half the limit.
In all of the time I've had the card, I was late one time, and I did not realize that payments were due at XXXX XXXX and I paid about three hours after the deadline but it was considered late and I offered to pay the late fees and they declined and took the late fees off. I was crying on the phone because I've been working on my credit for 5 years and I was so worried that I missed that deadline. Normally, I had been paying once or twice a month so I never really had to worry about a deadline.
Last year, I lost my job for 6 months. Despite the worry of eviction in losing my whole life oh, I still made these payments every month and on time. Now, it was the minimum balance, but I make sure it got paid even before I bought groceries.
It was last XXXX when I got notification that my credit utilization went from 12 % to 90 %. Even through my turmoil, my credit score kept increasing because I do the right thing. We received zero notification from this company and I learned about the utilization increase from XXXX XXXX, which I check everyday. I went online to the CareCredit site and realized that they decreased my limit from XXXX to XXXX. So it left me with about {$100.00} left on my limit.
I did not understand this and CareCredit claimed that something on my credit triggered the decrease. I know that that was a fictitious reason as my credit score was 60 points higher than it was when they gave me the card and a XXXX limit and I have not missed a payment for any credit card or loan that I have. I have a 100 % on-time payment history on my credit.
So I began to research this company, which I should have done before I agreed to take the card, to realize that this exact scenario has happened to thousands of other people. If you get any sort of balance on your Care Credit Card, no matter if you pay or not on time, they will begin lowering your balance until you pay it off and then they will close your account with no reason.
So I was terrified that would happen and further damage my credit. So at this point, I'm using 98 % utilization on this credit card because of the limit decrease, and I begin to pay off the balance because just that act alone caused me to lose 40 of the 60 points I had gained over the last year on my credit.
I pay off the entire balance over a 60-day period of time and I leave {$50.00} on the card because I was worried they would close it when I paid it off. I requested an increase, which they denied, and within 3 days of that request, I learned that they have, again, decreased my credit limit from XXXX to {$500.00}.
Now, this just happened and I did not receive any notification whatsoever. XXXX XXXX has not yet picked this up and even though I have a credit rating of almost XXXX I'm sure this will again lower my score.
And I am confident that when I pay that {$50.00} balance off, they will close my account like they have thousands of other people and will further destroy everything I've worked for for the last five years.
How is this legal? How is this fair that they can make changes to so jeopardize all of my hard work and something that my whole life relies on and they don't even have to notify me for it?
They've gotten every time and they've gotten interest and I have attempted to reach out to the company so many times but every single person you talk to tells you something different. You're high risk, how do you define high-risk? No answer. So making every payment on time without fail is high-risk? Was I not supposed to use the card? I'm high risk because for six months I pay the minimum balance? So, as a human being, I'm not allowed to be laid off and not have everything I've worked for implode because of it? And they wouldn't have even known about my situation outside of that I paid minimum payments but still on time without fail.
How can this company treat so many people like this and get away with it? Consumer Reports, XXXX, XXXX, every place that has Synchrony Bank reviews says the same thing. Care Credit says the same thing. If you use any of the balance at all and even make a minimum payment, they close your account as soon as you pay it off or sometimes even before.
|
| 08/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving 3 to 6 robocalls each day (including weekends and holidays) to my cell phone from Synchrony Bank (XXXX, XXXX) in an attempt to collect a debt. The calls began in XX/XX/2019 when my accounts were not more than 45 days delinquent and at times start prior to XXXX, the earliest call being XXXX. I have been working with a debt settlement program since XX/XX/2019 which has been in contact with Synchrony Bank and is in the negotiation process on all accounts yet I still receive these calls. I ended up blocking the numbers and sending all calls directly to voicemail. My voicemail specifically states that I do not accept calls from unidentified numbers, robocalls calls, or automated messages and to leave a live voicemail and I will return the call. The XXXX number is the only number to leave a voicemail and only on 3 occasions. The voicemails were automated voicemails and did not identify the caller but requested me to contact the phone number and also provided an address. Looking up the address on the internet helped my identify the caller as Synchrony Bank. I finally called the number back yesterday after being extremely frustrated with the notifications going off on my phone for the blocked calls and no messages being left. I have also begun to receive calls from pinger numbers within 2 minutes of receiving a call from Synchrony. This is absolute harrassment. They cannot robocall my cell phone in an attempt to collect a debt, cannot call prior to XXXX, and they cannot call my phone that many times a day and not identify themselves. If they are using the pinger numbers that increases the level of harassment. XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, 1XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2019(XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX XX/XX/2019: XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXXXX/XX/2019(XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019: XX/XX/2019: XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019(XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX,XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX,XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): 1XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XXXX XXXX XXXX XX/XX/2019(XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019(XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXXXX/XX/2019: XX/XX/2019: XX/XX/2019 (XXXX-XXXX-XXXX):XXXX XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019(XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXXXX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX XX/XX/2019 (XXXX-XXXX-XXXX): XXXX, XXXX, XXXX
|
| 01/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Recently I applied for a personal loan and was declined. I was shocked because I've always had great credit. The following morning ( XX/XX/XXXX ) I accessed my free credit report to try and figure out why it was declined.
It said I had a delinquent account on file - which I immediately knew was an error as I've never paid a bill late let alone seriously delinquent. It showed it was a joint XXXX 's account w/ a balance of {$250.00} & is 120+ days past due. I promptly filed a dispute and then contacted XXXX 's to find out why they had my name on the delinquent account.
Being as the credit report does not list the last four digits of the account number, they used my social security number to pull up any accounts I was on. They had a record of only my personal account, which had a zero balance and good credit history. I explained the situation and they said they would contact XXXX, to let them know the delinquent account was not mine and was an error they needed to further investigate.
I was pretty excited about this, as I figured it was pretty black-and-white and this issue would not take the estimated 30 days to get corrected. ( Again, I am in serious need of this loan which I am unable to get because of a credit score that is incorrect due to this error ). I called XXXX the following day to ask if they had received the information from XXXX 's which I was told they did not. I called XXXX 's back and was informed that everything happens through the postal mail, and that all I could do at this point was wait.
A day or two later, I used the online feature on XXXX 's website to check the status of my dispute. After entering my personal information however, it was declining my efforts stating it did not match the information on file. Again I was stumped. I had no choice but to call in and after explaining the situation, they repeated my personal information back to me to verify it was correct and I learned they had a XXXX address on file for me! Not only have I lived at my XXXX residence for the last 5+ years, but I have never lived in XXXX !
At this point I'm infuriated and wondering who is at fault for all this incorrect information on my credit report. Thankfully I had already uploaded my drivers license, when filing the dispute, so they could verify the information I provided them. ( they did all but demand I mail a copy of my Social Security card but I was adamant that I would not do that! It does not have my address on it & I find that incredibly risky. ) It's been almost a week and a half and the issue is still not resolved. Not only has this been incredibly stressful but I have since had ( I was notified on XX/XX/XXXX ) two credit cards completely slash my credit limit, due to a tanking credit score because of this incorrect information. This will further damage my credit score, as it looks like I maxed out those two credit cards when indeed I did not. One of those cards is what we use actively for purchases. So we basically lost our lifeline and I had to borrow money from family, just to pay our bills because of this situation.
I desperately needed that loan, as I had some interest free credit cards that were coming due and now I'm paying 20+ % interest, when if this incorrect information had never been on my credit report - I would have easily been granted a personal loan & would have a much lower interest-rate.
I would like to know who is responsible for these two issues. Why is my name on a joint account, that I do not have and why despite ALL of my open credit cards and bills being a PA address did they have a Texas address on file?
This has caused so much emotional distress and financial damage And I think it's incredibly disturbing that nearly everything is done virtually, except for issues revolving our credit score which is a huge deal in today society. A simple phone call could have verified this account was not mine. A simple email could have done the same But instead I am left waiting, watching my credit tank even further which I'm not even sure it will fully recover, since even after the dispute those credit cards are not required to reinstate the credit they cut. I recently checked & my credit score was in the mid 700 's before all this happened. It is now in the upper 500 's & that was BEFORE they started cutting my credit limit down to just above my balance - which I read that Credit utilization is the 2nd most important part of my credit score. So again - more damage.
Ps. It appears a purchase was made in XX/XX/XXXX on this joint lowest account & no payments were ever made. So that means since XX/XX/XXXX my credit has been decreasing. The card was then reported on XX/XX/XXXX - just 2 weeks before I applied for the loan.
|
| 11/04/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XXXX, I purchased a reclining sectional sofa from Rooms To Go ( RTG ) in XXXX XXXX, TX. At the time of purchase, I opened a RTG credit card which is serviced by Synchrony Bank. Total purchase price was {$2800.00}. The sectional was delivered in two phases in XXXX and XX/XX/XXXX. At the time of purchase, I also purchased an extended warranty through RTG for the furniture. Shortly after delivery of the sectional, one of the rarely used pieces began to tear significantly at the seem. I contacted the warranty company who directed me to contact RTG, stating issues within the first year after purchase are covered under the RTG limited one year warranty, thus I began my nightmare working with RTG. After replacing the initial defective piece, one of the recliners stopped working, again I contacted RTG, they sent a repairman out who stated he needed to order a part. Months pass without the part arriving or word from RTG. I again contact RTG and was advised the part needed to be ordered and could take 90 days. I wait some time and again call RTG and am informed there is a note on the account indicating we can return the sectional in exchange for something else. I went back to the store and picked out another couch ; however, this couch was much cheaper, I was informed by the sales associate the condition of the return is that is the new couch must be equal or greater value as the initial couch. I advised RTG management they sold me a defective couch, while they may not have known at the time of sale it was defective, the company clearly knows at this point the couch is defective, they no longer sell the couch and less than one year after purchasing RTG had agreed to return the couch, which according to the RTG employee " never happens, '' I advised you can not claim you're allowing me to return a defective product then place stipulations on said return. The manager agrees they would refund the difference and I could purchase the cheaper couch, which I was informed was a difference of {$780.00}. We complete the transaction, I leave and later start reviewing the original paperwork along with the " new '' couch receipt and I realize there is a large discrepancy in the refund amount vs the original purchase. I went back to the store the following day and after speaking with a manager he, agreed to cancel the new sale and refund the original sectional. Again the refund amount excluded the extended warranty as well as the delivery fee I initially paid. I advised the manager those items should be refunded as well, he informed me the extended warranty could not be refunded as the extended warranty was covering the return of the couch. I knew this was not truthful as I had personally spoken with XXXX, the warranty company who again confirmed they had no dealing with the return as the couch was deemed defective within one year of purchase. I relayed this information to the manager who told me to call customer service. None the less, I was refunded in the store on XX/XX/XXXX and told to call customer service for a refund on the extended warranty. Today is XX/XX/XXXX, and there still has been no refund posted to my RTG Credit Card with Synchrony Bank. I have called RTG who advised they submitted the refund and to contact Synchrony Bank, I have contacted Synchrony Bank who advised they have not received a refund and can not post a credit to my account without it and directed me back to RTG. RTG picked up the defective reclining sectional from my home on XXXX, I am still being charged for a product I no longer have, additionally, I am due a substantial refund for the defective product RTG sold me that again, I no longer have. I have exhausted all my avenues of attempting to resolve this between the merchant and the Credit Card company. At this point, Synchrony Bank needs to provide a full credit to my account and go after RTG for the money. The entire experience with RTG has left me confused as to how there has been no regulatory oversight into their business practices. I am aware that the CFPB is generally for financial products/companies ; however, the business model RTG is currently operating under is simply deceptive and harmful to the public. A simple online search will yield thousands of consumer complaints, most of which ( I believe roughly 78 % ) are 1 star reviews. While RTG may be the fourth largest furniture chain in the US, I truly believe it is simply because people fight with them for resolution until they give up, and when you purchase furniture from RTG you sign multiple disclosures ( which in and of itself is incredibly odd, I've purchased many furniture pieces over the last five years from other well known companies, NONE OF WHICH REQUIRED I SIGN A DISCLOSURE ).
|
| 03/04/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On XX/XX/2020, I made a purchase at XXXX, specifically the store located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. During checkout, a store employee told me that I could receive 10 % off my purchase if I had a store rewards card. I asked if she was referring to a member card used only for discounts, and she confirmed that to be the case. During the signup process, I asked several more clarifying questions to be certain that I was only signing up for a free store loyalty card that had no function other than to provide discounts. Specifically, I asked the following questions : Is it free? ( She stated that it was XXXX Is it a store loyalty card, similar to a XXXX card? ( She stated that it was ) I also again asked if it was used only for discounts ; she stated that it was.
At no point did she mention that it was a credit card, that it would affect my credit, or anything else that would indicate that I was signing up for anything other than a store loyalty card that is not used in transactions except to provide discounts. Once I provided my signature, she used the word MasterCard for the first time. I immediately stopped what I was doing and asked her if it was a credit card. She confirmed that it was indeed a credit card. I pointed out that she had not informed me of this fact prior to that point, that I did not want a credit card, and that I wanted her to cancel the process. I was told that it was too late to cancel the process, as she had already submitted my information, that she could not do anything to stop a card from being issued in my name, and that I would need to finish the process in order to check out and leave the store with my purchased items. I expressed that I felt deceived and told her that I did not want to use the 10 % discount that I had been offered.
Upon leaving the store, I immediately called the credit card issuer ( Synchronicity/TJX ), explained what had happened, and told them to cancel the card. Less than 10 minutes after checking out, the card had been cancelled, and I was informed that the issuer would be submitting a request to the credit bureaus to dismiss the hard inquiry on my credit report. I was told that I would receive a mailed letter within 30 days informing me of how that request had been resolved.
30 days elapsed last week. I gave them an additional week in case the letter had been mailed out right before the deadline. Having still not received a letter after the additional week had elapsed, I called the issuer. I was told that my letter had been sent to the wrong address. I was also told that they considered me to have provided my information willingly, and therefore they would not submit a request to dismiss the hard inquiry.
I believe that the intentional deception and fraud in which the employee engaged violated my consent, and thus I did not provide my information willingly. The employee purposefully concealed information from me and did not honestly answer my questions when I attempted to confirm that I was not signing up for a credit card, and as such it was not possible for me to provide informed consent. As soon as that deception had been revealed, I attempted to stop the process while still inside the store. As soon as possible after that, I contacted the issuer to stop the process and undo anything that had already been done.
As the issuer has now refused to submit the request to dismiss the hard inquiry, I am now filing a complaint with the Consumer Financial Protection Bureau. Following the conclusion of the CFPB process, my next step will be to contact the Federal Trade Commission to inquire about filing a complaint with them. If the hard inquiry has still not been dismissed once those complaint processes have both run their courses, I will use the documentation to file a police report. Once that report has been filed, I will then use the complaint documentation and the police report to file a dispute with the credit bureau.
I am not seeking monetary compensation or any other sort of recompense. I do not wish to file a police report and will only do so if it necessary to get this inquiry removed from my credit report. I do not know the name of the employee, and a name is not listed on my receipts, but I can provide a description of her appearance, and I would be able to positively identify her if I saw her again. All I want is for this fraud-based hard inquiry to be removed from my credit report. Ideally, I would also like the store and issuer to keep these events in mind when dealing with other deceived/defrauded customers and to change their practices to eliminate potential deception and fraud ; those remedies may be outside the scope of the CFPB, the FTC, the police, and the credit bureaus.
|
| 06/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I had two credit accounts that use Synchrony Bank. One for my XXXX purchases, and one for CareCredit, a debt I incurred for services from my dentist. When I first set up these accounts ( at about the same time for both ), I did not realize that both payments needed to be made to Synchrony Bank. I thought they would be made to XXXX and CareCredit. I set up an automatic payment on my XXXX account with the information given to me for the first. When I tried to set an automatic payment for CareCredit, the XXXX system would not allow it because, it said, " you already have a Bill Pay account for Synchrony Bank. '' When I got a notice that my Synchrony bill was due, I assumed that it was being handled by the automatic payment I had set up with my XXXX Bill Pay. In fact, the notice was for CareCredit, and not for XXXX. And so, I ignored it. At no point did I ever intend to not pay my debt, as Synchrony Bank is claiming.
Synchrony Bank began charging me a late fee for the CareCredit account the week of XX/XX/XXXX, and the harassment for the amount due began. It was non-stop. It STILL IS non-stop, with several text messages, phone calls and emails each day.
As soon as I realized that I had confused the two accounts and was in fact late on my CareCredit payments, I answered one of Synchrony Banks emails and went to their website, AS INSTRUCTED. There were several options to pay the outstanding debt. One of them was to set up automatic payments, with the last payment due starting XX/XX/2021. I filled out the form, including my bank router number and account number. I thought that making automatic payments of {$500.00} per month would cover the amount overdue and terminate the debt sooner to get this off my back.
But the harassment continued. Phone calls, emails, and text messages were non-stop. Yesterday, I called Synchrony Bank to find out what the problem was. The agent acknowledged that I had set up the {$500.00} payment and that they had my bank account router number and account number, but insisted that the harassment would not end. I offered to pay the entire amount owed ( {$2800.00} ) with my XXXX debit card. The agent ridiculed me.
I hung up the phone. Since I am a caregiver, taking care of my XXXX XXXX XXXX mom during the day, I didn't have time to make the payment online until later in the day. I waited until XXXXXXXX XXXX this morning to check with XXXX to make sure the {$2800.00} had been withdrawn. It had.
However, around XXXX XXXX, I started to get harassing calls and text messages again from Synchrony Bank. I panicked, thinking that I had made the payment to a scam. I quickly called ( what I keep thinking is ) CareCredit. My fears were confirmed when the introductory message for the number I called informed me that my outstanding debt remains {$2800.00}.
I asked to speak to an agent, and explained that I had made the payment to a scam instead of CareCredit, and I was going to call XXXX to try to stop the payment.
He then admitted that the payment was indeed made to Synchrony Bank and that I should not call my bank to stop it. I asked him to please stop the harassment, since Synchrony Bank now has my money and the debt is paid. He answered that the harassment would continue for as long as it takes to " process the payment, '' even if it takes as long as 48 hours.
I asked him again to please stop the emails, phone calls, and text messages. He said they would not.
In addition to the loan sharking practices of Synchrony Bank, I object to the false representation of CareCredit, as a benevolent organization that helps people who are in need of medical care. ( Really -- you should see their brochure -- you'd think it was XXXX XXXX giving you charity. ) The fact is that there is no such company as CareCredit. It is a front for a Synchrony Bank credit card that charges 2 % interest on debt. I didn't even understand that until I got into the Synchrony website and reviewed the details of the charges.
While we may tend to praise them for the low interest rate, I might point out that, presently, you can get credit from some other banks at 0 % for the same period of time that Synchrony is offering their loan. The CareCredit deal was presented to me as a great way to pay my dentist. In fact, I would have been far better off with another bank, not to mention purchasing additional insurance. Clearly it is a system designed to take advantage of those desperate for medical care -- whether or not the dentist 's office understands that.
I regret that, as a result of this conflict, I no longer have the funds necessary for future visits to the dentist -- or any additional expenses for a long time to come.
I would like for the harassment to stop. Now.
|
| 09/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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After several months of dealing with Paypal & their new method of hierarchy payment system, I am at my wits end with their misleading statements & mishandling of my payment allocation & need to file a complaint toward how my payments are being handled on special financing deferred interest purchases. I made several purchases on Paypal 's 6 month special financing promotions as well as one purchase that was made with their 24 month 'easy pay ' promotion. Up until a few months ago, all of my payments have been allocated properly until the 24 month promotional purchase was made. After accepting the 24 month easy pay promotion, I noticed that my payments, which normally would allocate towards the earliest expiring promotions were being almost entirely allocated towards the 24 month promotion. I caught this when I was reviewing my statement several months ago & contacted Paypal by phone immediately. I spent about 2 hours on the phone & I was told that Paypal had started applying payments using a new method & unless the customer calls & makes specific allocations, the majority of the payments would first apply towards the 24 month promotion. This made absolutely no sense to me & it's concerning as I feel that this is a way to collect a hefty interest on expiring promotions from consumers that may be unaware of Paypal 's new payments allocation method. Offering a 24 month interest free promotion yet applying a payment made in it's entirety towards that promotion when there are other interest deferred promotions coming due within a span of a few months is a very questionable practice. I have been calling every month after making my payment to make sure that they are being allocated properly & yet, each & every month the payments have been allocated improperly. Every month after diligently calculating & asking for proper allocation, I am left with more of my payments going towards the 24 month easty pay promotion as opposed to paying off the balances on special financing purchases that are rapidly coming to expiration. So each month I am having to figure out their mishandling of the requested allocation & having to work off of their allocation since they refuse to go back to the previous month to correct their mistakes. The 2 customer service reps that I spoke with in the previous months were equally baffled as myself at their new hierarchy payment process & agreed that this is a very suspicious way of handling the payments. During my very first conversation with one of their reps, I explained how to process my payment allocated even though I felt this was ridiculous waste of time. When the next statement came, I noticed that the payments were not allocated the way I had asked it to be. I contacted Paypal & spoke with another rep to allocate the new payment & also to go over previous mis-allocation. I spent again over 2 hours on the phone trying to get this fixed & payment applied properly. I have been extremely diligent in making my payments to ensure that my balance is paid off by expiration date but the way Paypal is allocating the payments is highly suspicious & according to the reps that I have spoken with, I am one in a sea of complaints they are receiving about the same issue. I contacted Paypal again today to allocate a recent payment & was told that yet again, the previous month 's allocation was not applied properly. Because I did not want to deal with wasting anymore time each month on this, I had made a payment to take care of all previous promotions leaving me with just the easy pay plan but due to their mis-allocation from the previous month, I am left with balances on promotions that are coming due yet my 'easy pay ' promotion with the most amount of time left to pay a minimum payment has been reduced almost in half against my requests. Today 's call was especially disturbing as I found out again about the mis-allocation & after being told repeatedly that my latest payment would allocate correctly with a remaining balance, when I asked to be transferred to a supervisor & going over the payment & remaining balances, he confirmed that the rep that transferred me to him had once again mis-allocated my payment & gave me completely wrong information on the balances. I believe there is either a complete mismanagement and/or an attempt to defraud consumers of interest fees with this new system that makes zero sense & is so convoluted & time consuming that I'm sure most people are just giving up & paying interest fees that they would not have incurred if the payment application was being handled properly. I would appreciate an investigation into this matter as I am certain that there are many others like myself stuck in this very same situation.
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| 08/12/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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On XX/XX/XXXX, I filed a formal written Dispute by mail to Synchrony Bank / Care Credit for incorrect balance on my Care Credit Medical account of {$1300.00} over what I owed and request for credit/refund to my account..I only owe {$3000.00}. and they show I owe {$4300.00} - which is wrong.___ I sent a two-page letter and 5 attached documentation to Corporate Offices of Synchrony Bank ATTN DISPUTES - CARE CREDIT. Certified Mail with Return Receipt to address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. I received signature confirmation from the Post Office that it was delived and signed for my XXXX XXXX, Agent on XX/XX/XXXX. ____ It's XX/XX/XXXX and I haven't received a reply so I tried calling again today and no one knows anything. I keep getting transfered to others who know nothing and I can't get Corp 's phone number.____Summary, I have had several XXXX accounts on Promos from back in XXXX. One was {$8000.00} for 16.99 % interest from XXXX called " Until Paid in Full promo ''. The rest were 0 % interest if paid by a certain date .... I've been paying down for 4 years and finally down to just {$390.00} for the 16.99 % " Until Paid in Full promo '' and paid by phone in full for {$390.00} on XX/XX/XXXX. Balance was {$0.00}! ___ Also on XX/XX/XXXX, I paid two promos off totaling {$3500.00} by phone rep. The 2 promos expired XX/XX/XXXX but I was told I had a 30-day grace period if paid by phone by XX/XX/XXXX. However, they said that the computer would automatically charge the interest but it would be credited back by the next statement cut-off. ( I double-checked this info ). So my total balance as of XX/XX/XXXX should have been forjust 2 remaining Promos : {$1500.00} + XXXX Totaling {$3000.00}.
__ I called to correct my statement as they had put {$860.00} on the 16.99 % promo that I had just paid off on full and also showed my total balance as {$4300.00} ( but should only be {$3000.00}. __ I spoke with rep XXXX and she took the info and said that because I made two payments in the same month that the computer appied it wrongly but it would be straightened out by my next statement of XX/XX/XXXX. I asked to speak to her supervisor and she confirmed. She said I had to wait for her allocations to be done and she was starting them.___ Because the reps seemed uncertain, I contacted Corporate, - at least I thought I had and spoke to a Manager, XXXX, in Customer Service . She was helpful and spent at least XXXX minutes with me going back to XX/XX/XXXX to count up my payment and late fees/credits applied. We got down to my XX/XX/XXXX paydown to XXXX of the 16.99 % intest promo and she agreed it was {$390.00} balance and I paid {$390.00}. She also saw the {$3500.00}. payment I had made for the two promo payoffs. She asked if I wanted her to send my statements from back to XX/XX/XXXX and I accepted this offer. I received them but they didn't help as it didn't show the Promo balances ... but I was able to access them online and print them out.__ She said she shouldn't interfer with what the rep XXXX was doing as it might make things worse with the computer so I should just wait until my XX/XX/XXXX statement and things should be fine.____On XX/XX/XXXX, I check my statement and it was still the same ... wrong at owing {$860.00} on the paid off 16.99 % promo and a total balance of {$4300.00} which should be just {$3000.00} total.____ I called the main customer service line and the rep said all allocations were done. She didn't seem to understand my dispute ... I told her I was going to contact corporate ... .. I then received a standard boiler plate letter from Synchrony Bank dated XXXX saying Thank you for your Inquiry. I don't understand the XX/XX/XXXX date as I didn't call until XX/XX/XXXX. It didn't address my dispute, it just gave general guidelines of how they apply credits.___ Today, I tried to call corporate and speak to XXXX again but got transferred to 5 different phone numbers and even got a number that said it was for following up on disputes, but the man, XXXX, said he didn't have info and sent me back to the main customer service where they know nothing. I left my complaint with her and she said she'd tell her manager.___Now they want a monthly payment of {$190.00} by XX/XX/XXXX. I told them in the letter that I wouldn't pay this as they seem to add to my account, instead of subtract, and I couldn't do anything until they straightened out my account.__ I will never do business with Care Credit again and will warn everyone I know. There are positives, but if you have more than one account, their computer system doesn't seem to be able to handle it .... I don't know what else to do but to try to get help from Consumer Protection Bureau.
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| 08/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I was made aware of a fraudulent charge to my account on XX/XX/XXXX from a lending institution which had processed a credit report. A delinquent account labeled Synchrony MC was noted on the report with a charge dated XX/XX/XXXX.
On XX/XX/XXXX I contacted Synchrony as I was not aware of a Synchrony MC account in my name nor did I know what the charge on my account was for. The service representative had difficulty verifying my account as the phone number, address and mothers maiden name did not match the information in their files. I was transferred to a woman in " Security ''. The Security rep was able to tell me that a purchase was made in XX/XX/XXXX in XXXX XXXX, Michigan using a XXXX XXXX XXXX credit card. She also told me the purchase was described as " pre-school educational supplies '' and that the XXXX XXXX XXXX card account had been converted to Synchrony. I stated that I had not been to XXXX XXXX, MI, had not made a purchase for pre-school supplies and that while I had opened a XXXX XXXX XXXX credit Card account with XXXX in the past, I had not used that account in many years. I did not receive a new card from Synchrony. I was asked if I wished to report the charges as fraud and I said yes. I was then told that the charges would be reported as fraudulent and that I would receive a letter in 7-10 business days.
I received a notice dated XX/XX/XXXX that an address change had been made to my account.
I received a notice dated XX/XX/XXXX that the Synchrony MC account had been listed with a collection agency. When contacted, Synchrony stated it was a timing issue between the account going to collections and my notifying them of the fraudulent charges.
On XX/XX/XXXX I called Synchrony again, speaking with an Investigations Account Manager, as I had not received the letter as I had been instructed I would. I was told the letter had been sent on XX/XX/XXXX. I was then told that the letter was sent to a different address and that my correct address would be noted and a new letter sent. I was also told that the " balance on the account is zero '' during the investigation.
On XX/XX/XXXX I received an account statement from Synchrony in the mail which listed a balance transfer from the original card number to a new card account number, fees and interested charges. It listed a Minimum Payment Due of {$51.00} and a New Balance of {$220.00}. On XX/XX/XXXX I called Synchrony to clarify why I received a statement with a balance. I was told the day before that the current balance on the account was " XXXX ''. The Synchrony Account Manager in Investigations told me that I am " not responsible for any payments during an open investigation ''.
On XX/XX/XXXX I received a letter from Synchrony which included was a Fraud Investigation Form which I completed and faxed XX/XX/XXXX.
I received another letter dated XX/XX/XXXX confirming an address change.
On XX/XX/XXXX I contacted Synchrony to confirm that the Fraud Investigation Form had been received. Investigations confirmed receipt of fax XX/XX/XXXX.
On XX/XX/XXXX I contacted Synchrony to check on the status of the Fraud Investigation. I was told by the Investigations Account Manager the investigation was " 40 days in '' and it is a " 60 day process ''. She told me there was no new information and that the notes are added onto the account once the investigation is concluded.
On XX/XX/XXXX I received an account Statement from Synchrony MC noting Late Fees and Interest Charges in the Transaction Summary. It also noted a Total Minimum Payment Due {$98.00} and Amount Past Due {$51.00}.
On XX/XX/XXXX, after receiving the account statement, I contacted Synchrony. I spoke with an Investigations Account Manager and requested to know the status as well as why I continue to receive account statements with minimum due and now past due amounts. The Account Manager stated an adjustment had been made on the account and that pending the results of the investigations fees and interest will be credited if the charges are determined to be fraud. I asked to speak to someone who could provide me more information on the status of the investigation. I was told there was no one. I asked to speak to a supervisor, her supervisor or another person who could share more details of regarding the investigation so far. She told me that she was an Account Manager and that Fraud Investigators do not speak with clients. When I requested again to speak to a higher level I was told " there is no one for me to transfer you to. '' I asked again " so there is no one at a higher level present '' and was told again, " there is no one to transfer you to. '' She provided me with her employee number when I asked for it.
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| 01/06/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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i, XXXX XXXX am Im submitting this complaint myself and and there is no third party involved. XXXX XXXX XXXX, XXXX has continued to contact me presenting me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. XXXX XXXX XXXX, XXXX has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b 2, 15 USC 1692j a, 15 USC 1692e 2A, 15 USC 1692e 7, 15 USC 1692e 8, 15 USC 1692e 10, 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them.
XXXX XXXX XXXX, XXXX also attempted to act as if my claims of violating my consumer rights under Title 15 Chapter 41 are irrelevant to this situation at hand. This alleged debt was a consumer credit transaction so Title 15 Chapter 41 is very relevant to this situation. XXXX XXXX XXXX, XXXX was also sent a Bill of Particulars, XXXX XXXX XXXX, and Cease and Desist exercising my consumer rights pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to send information that is not sufficient to my request and demands ( which they have already previously been informed that it wasnt sufficient ) and I have viewed this information as an attempt to manipulate me and coerce me into paying an alleged debt that does belong to me nor do I owe. I demanded that XXXX XXXX XXXX, XXXX send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX responses with only half of this requested information which I have construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. Sychrony Bank who sold this alleged debt to XXXX XXXX XXXX, XXXX gave a response that was not sufficient as they did not provide all the information requested above. I have also contacted XXXX XXXX XXXX, XXXX for the above information which I have yet to receive from them also informed me that they are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction.
XXXX XXXX XXXX, XXXX has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and 15 USC 1692f by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so.
I demanded in writing that XXXX XXXX XXXX, XXXX stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this information. XXXX XXXX XXXX nor Synchrony bank no longer has my written permission to furnishing my report with this false information.
The United States government created a bond on me which is my birth certificate with which negotiable instruments may be issued, my bond and social security number provided the security interest for the consumer credit transaction with Sychrony Bank. Security which covers all obligations or alleged obligations which is that of the United States government. Pursuant to 31 USC 3718 XXXX XXXX XXXX, XXXX has to have a contract with the Treasury in order to even collect an alleged debt which XXXX XXXX XXXX, XXXX does not have.
I also informed XXXX XXXX XXXX, XXXX that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file a fault judgement in favor of me, the consumer. As of today XXXX XXXX XXXX, XXXX is in default and the necessary actions are being taken against XXXX XXXX XXXX, XXXX
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| 08/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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UNDER FEDERAL ORDER # XXXX OREDERING GE CAPITAL, GE MONEY BANK XXXX SYNCHRONY BANK XXXX XXXX XXXX XXXX PAGES XXXX ) ALL 23 GE CAPITAL BANK ACCOUNTS WHERE TRANSFERRED TO SYNCHRONY BANK AND FURTHER REPORTED TO ALL 3 BUREAUS AS PAID IN FULL, PAID AS AGREED, AND CLOSED EXCEPT FOR : XXXX MONEY BANK CARD ( ISSUED XXXX ) XXXX WAS TRANSFERRED TO SYCHRONY BANK, AND SYNCHRONY BANK SOLD TO DEBT COLLECTOR IN XXXX XXXX
XXXX, XXXX XXXX XXXX MONEY BANK XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX XXXX SYNCHRONY BANK XX/XX/XXXX XXXX XXXX XXXX XXXX CFPB ACTION FILE No : XXXX XXXX XXXX XXXX MONEY BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX RE : DEBT VALIDATION LETTER DISPUTE This Letter is being sent to you as notification of your failure in your providing to me the following notifications : 1. Notice sent to me on or about XX/XX/XXXX and 2. Responses to your reporting on all 3 Credit Bureaus Be advised this is NOT a refusal to pay, but in fact a notice to you of your failure pursuant to the Fair Dept Collection Act, 15 USC 1692G, stating your claim is DISPUTED and that I hereby request Validation of the Original debt.
This is NOT a request for Verification or proof of my mailing address, but in fact a request for VALIDATION made pursuant to the above referenced : Title and Section of 15 USC. I am requesting that your office provide me with competent evidence or the ORIGINAL Debt, that I have a legal obligation to pay you.
At this time, I will also inform you that your office have reported invalidated information to all THREE ( 3 ) of the Credit Bureaus ( XXXX, XXXX, and XXXX ) and this action may constitute fraud for the last SIX ( 6 ) years, and please be assured that due to this information being reported incorrectly, I have no hesitation to bring legal actions against your firm, and all parties reporting such derogatory information under : Violation of the Fair Debt Reporting Act, and Violation of the Fair Debt Collection Practices Act, and Defemination of Character, and personal injury for damages for Credit Refusal for the last SIX ( 6 ) years.
If your offices are able to provide the proper Original Documentation as requested in the following Declaration, within 30 days at which time I will investigate the Original debt. If you are unable to provide the Original Debt within the 30 days required, all collection activity must Cease and Desist. If any further action that is taken against me which would be construed as detrimental to the already ruined credit history ( s ).
I am ready to authorize my attorney for suit in seeking damages. This will also include any listing of all information reported to all repositories that is reporting inaccurate or invalidated information.
If your office fails to respond to this validation for the Original Debt validation request within 30 days from the date of this of your receipt, all references to this account MUST be deleted and completely removed from my credit files and a copy of such deletion shall be sent to me immediately.
The following information must be provided : 1. Name and Address of Original Alleged Creditor 2. Name on File of Original Alleged Debtor 3. Alleged Original Account Number 4. Address on file for Original Alleged Debtor 5. Amount of Original Alleged Principal Debt 6. Date that the Original Alleged debt became payable 7. Date of the Original Charge or Delinquency 8. Was this Original Alleged Det assigned to a Debt Collector or a Bulk Purchase 9. Original Amount Paid if Debt was Purchased 10. Commission for Debt Collector if Collection efforts are successful Additionally, please provide proof of : Any and all Agreements or Proof that grants XXXX XXXX XXXX XXXX, XXXX the authority to Collect the Original Alleged Debt.
In closing, I am confident that you can provide all Documents of the Original Alleged Debt.
Sincerely, XXXX. XXXX XXXX XXXX XXXX Notifications and Reference : XXXX. XXXX XXXX. XXXX XXXX, XXXX, TEXAS. XXXX XXXX. XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX GE Capital Bank XX/XX/XXXX to Synchrony Bank ( Discriminatory credit card practices, events of certain hardships, involuntary unemployment or XXXX ) VIOLATION OF ADMINISTRATIVE PROCEEDING File No. XXXX XXXX Document 1 Filed XX/XX/XXXX Page 1 of 46 XXXX XXXX IT IS SO ORDERED, this XXXX day XXXX, XXXX.
Director Consumer Financial Protection Bureau To the CFPB : Regional Director, CFPB XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, Suite XXXX XXXX XXXX, CA XXXX To the DOJ : Chief Housing and Civil Enforcement Section Civil Rights Division U.S. Department of Justice XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
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| 07/02/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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I have had a CareCredit/Synchrony account since XX/XX/XXXX. From here on, I 'll refer to them as Synchrony, as they own CareCredit. There is an anomaly in my XX/XX/XXXX statement, an error of approximately {$420.00}. I also have some questions as to how large payments are applied to promotional balances, as there is no information anywhere that I can find, neither in my statements nor on Synchrony 's website as to how such payments are applied, and said application seems erratic. I had assumed that payments, however large, are applied to promotional balances first, and then the balance on regular purchases are paid once there are no more promotional balances. This always seemed the way it was done when I made payments in the past, and since my regular purchase balance is larger, it would allow Synchrony to collect as much interest as possible. Some would say it is unethical, but I have no such opinion. I know banks are n't charities, and this appears to be common practice. I should have read the fine print and been wiser, I figured. So that is not my complaint. I had also believed that the total balance on my card was the sum of all my promotional purchases and my regular purchase balance. If I add the total of my promotional balances ( {$1600.00} ) to the regular purchase balance ( {$2100.00} ) on my XX/XX/XXXX statement, the total is {$3800.00}, which is close to the total on same statement. It 's not exact, and I 'm a little unclear as to why, even after adding my interest of {$49.00} for that month. But it is still very close after adding said interest. Now, in XX/XX/XXXX, I made three payments totaling {$1000.00} : {$300.00} on the XX/XX/XXXX, {$400.00} on the XXXX and another {$300.00} on the XXXX According to their own data, all three payments were received by Synchrony on those dates, the latest date still being before the due date of XX/XX/XXXX, and well before the expiration of any of my promotional balances, the earliest one set to expire on XX/XX/XXXX. However, when I accessed the member portal of Synchrony 's website, I still received a message saying that I had promotional blances expiring in less than 30 days, and my XX/XX/XXXX statement said that only my promotional balances that were set to expire XX/XX/XXXX and XX/XX/XXXX, totaling {$380.00}, had been paid off ; all other promotional balances still remain on my account. I then looked at my regular purchase balance on my XX/XX/XXXX statement to see if the remaining {$610.00} of my payment had been applied there. Said balance had only decreased by {$180.00}.
Here 's where I go back to the math I was talking about in my XX/XX/XXXXstatement, how the total of my promotional purchases and my regular purchases equaled my total balance. In XX/XX/XXXX, the math changed completely. Though my XX/XX/XXXX balance of {$3300.00} seems to reflect my payment, taking into account a {$490.00} purchase I made, the total of my promotional purchases and regular purchases on my XX/XX/XXXX statement is {$3700.00}. It 's not even close to my reported balance ; it 's {$350.00} higher. Even though the total balance at the front of my statement looks correct, there is {$420.00} of my {$1000.00} total of payments in XX/XX/XXXX that has not been applied to either my promotional balance or my regular purchase balance. I would like to know why this is. Is it an error? Is there an explanation that makes sense as to why it is not an error? It seems to me either more of my promotional purchases should be paid off, or my regular purchase balance should be much lower in which case I am then being overcharged on interest on my regular purchase balance. I 'm sorry, but this seems to be bordering on fraud or theft by deception. And the difficulty in understanding Synchrony 's statements and their complete lack of transparency on what formulas they use to decide where and how payments are applied only makes their practices look more sinister. If it is an error, I hope it will be fixed and I will be credited back the interest I was overcharged if they do decide to credit their discrepancy to my regular purchase balance. However, I ca n't help but wonder how many of their other customers this has happened to. I also wonder how many of them have scoured their statements and done the math as I have in order to become aware of such discreapancies. For this reason, I will be forwarding this letter, along with copies of my XX/XX/XXXX and XX/XX/XXXX statements, to the Consumer Financial Protection Bureau. If they decide an investigation is in order, I 'm sure they can get the ball rolling on that. Thank you very much. I am looking forward to a timely reply and resolution of this matter.
|
| 12/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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THEIR IS A BILLING ERROR ON MY ACCOUNT-MY ACCOUNT IS NOT IN THE NEGATIVE IT IS IN THE POSITIVE STANDING AND I WAS APPROVED FOR OPEN END CREDIT SO BASED ON 15 USC 1666 ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
AND XXXX Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( XXXX ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of XXXX ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and XXXX.
( XXXX ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( XXXX ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( XXXX ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( XXXX ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
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| 02/09/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
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|
Web |
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I am in the process of building my credit history by establishing some new accounts, and by making timely payments each month on those accounts. In the process of doing this, I have been relying heavily on the advice that I received from using XXXX XXXX, and XXXX XXXX respectively, which I believe to be reliable sources. As my credit profile has started to take form, some of the suggestions I have received by the two credit trackers were to open certain accounts to ( among other things ) create a good credit balance and ratio. Despite the usual recommendations on the type of cards to apply for ( e.g., XXXX XXXX, XXXX XXXX, XXXX and so on ) one account I decided to apply for was the XXXX Master Card.
Regretfully, after I applied for the Walmart credit card, I received a denial letter in the mail giving the following reason for denial : Number of Recent Credit Requests. I have reason to believe that this denial reason is not adequate. I have enclosed a copy of my XXXX report that will show that I have no more 3 recent credit requests within the past 90 days, and only 6 inquiries within a 2-year time span ( one of which was for the Walmart credit card ). Also, at the time of the initial credit application, the following inquiry has expired on my credit profile, and should not be included because it has been over 2 years : XXXX XXXX Requested on XX/XX/XXXX *I have recently contacted XXXX XXXX to have this expired inquiry removed from my credit profile.
Therefore, I wanted to have my application for credit reconsidered by Synchrony Bank, so on or around XX/XX/XXXX, I contacted Walmart Credit Services at ( XXXX ) XXXX, and this is where my nightmare began!
After speaking with 2 representatives ( because my call got disconnected on the first call ), I requested to speak with a supervisor. I spoke to a supervisor named XXXX, ID # XXXX ( I asked her for her ID number specifically ) who assured me that she will submit a request to have my credit application reconsidered without me having to get my credit pulled again, and she also informed me to call back within 20 days to follow-up on this request. Why she told me to call within 20 days, Im not sure.
On XX/XX/XXXX, at around XX/XX/XXXX, EST, I decided to call Walmart Credit Services again, and spoke with the following representatives, and this is what occurred : 1. XXXX, who told me that he could not find my application after I provided my name, address, and social security number, as well as read to him the letter I received at my address in XXXX, NY. I was then provided with a phone number for Consumer Applications at ( XXXX ) XXXX, only to find out that this number was disconnected.
2. After calling back on the ( XXXX ) XXXX phone number, I spoke with XXXX, again explaining that I spoke with a supervisor named XXXX, ID # XXXX, and was following-up on my application only to be informed ( among other things ) that my application for credit would not be reconsidered -- and then my call was disconnected again.
3. I called Walmart Credit Services again, and spoke to XXXX, who said he actually found my application. However, he informed me that I was misinformed, and told me that in order to have my application reconsidered for credit, that I would need to reapply. Meanwhile, no one up to this point was able to identify the previous Supervisor I spoke with several weeks ago named XXXX, ID # XXXX! At this point, I requested to speak with another supervisor.
4. I was connected to a woman named XXXX, who identified herself as a supervisor ( she did not provide an ID number, upon my asking ). XXXX then informed me that Walmart Credit Services/Synchrony Bank did not have a process that will allow them to reconsider my application for credit ( as it is all automated ), and as such, she suggested that I reapply for the credit card. She also informed me that she did not have the ability to locate or identify the supervisor I spoke to several days prior, named XXXX, Operator ID XXXX, because there are several individuals named XXXX, and therefore it would be difficult to this individual. At this point I informed XXXX that I would like to contact the Executive Office for Walmart Credit Services and/or Synchrony Bank to file a complaint. I was provided with the following information : XXXX XXXX XXXX XXXX, FL XXXX Incidentally, after conducting a XXXX search I came up with a name for the CEO for Synchrony Bank ( Creditor ), Ms. XXXX XXXX XXXX ( which was not provided to me when I asked ), as well as an alternate address to contact the executive offices located in XXXX, Connecticut. I am not sure what exactly is going on here, but I find this to be highly unprofessional, and unacceptable!
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| 01/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XXXX XXXX has chosen to deliberately break the law and cause immediate financial harm towards myself and my family and unless XXXX XXXX and XXXX initiate an Expedited Dispute Resolution ( that means within 3-days ) by correcting the false and inaccurate information SXXXX XXXX furnished, they are all complicit.
Here is a summary of the facts : *NOTE : XXXX XXXX , XXXX XXXX XXXX and XXXX are in the business of credit reporting and furnishing information to credit agencies. They are all very familiar with regulation and what their requirements are, therefore, when they adapt policy or take actions which violate the law, it is deliberate.
1. On XX/XX/XXXXI filed a complaint with the CFPB case # XXXX claiming a XXXX Credit Card I have not used in years displayed a balance of {$1700.00}. I disputed the entire balance and requested XXXX XXXX to make sure they have not or do not report this balance to the credit bureaus and to investigate and provide me with the results.
2. OnXX/XX/XXXX, I filed my fraud claim through the CFPB case # XXXX, I provided an affidavit of fraud, informed them of the imminent harm I would suffer if this was not properly reported.
3. On XX/XX/XXXX I certified mailed the same complaint to XXXX XXXX along with the original affidavit of fraud.
4. As of XX/XX/XXXX, XXXX XXXX responded to case # XXXX. In their response SYNCHRONY Bank contradicted themselves numerous times ; 5. XXXX XXXX is aware they could have reported false information to the credit bureaus as a result of my dispute and affidavit.
a. ) a balance of {$1700.00} and wrongly closed the account 6. XXXX XXXX refused to remove the balance reported and status of account being closed by credit grantor 7. By claiming to have conducted a proper investigation between XX/XX/XXXX - XX/XX/XXXX On XX/XX/XXXX, a fraud investigation was initiated 8. XXXX XXXX admitted a new card was mailed to me on XX/XX/XXXX and activated ONLINE on XX/XX/XXXX but they have no knowledge of the IP address it was activated from.
A card for the above referenced account was reissued and mailed to the address on your account on XX/XX/XXXX The new card was activated onXX/XX/XXXXWe do not KNOW the IP address from which your account was activated. see letter attached NOTE : Claiming they do not know the IP ADDRESS it was activated from is absurd and I have contacted a few experts who concur. Either XXXX XXXX does not want to provide the IP ADDRESS because it will strengthen my claim or their security system dates back to the XXXX. Anyone with the most standard understanding of technology would be hard pressed to believe this claim. So why have they lied?
9. XXXX XXXX claims to have concluded an investigation in four days and found the information they furnished to the credit bureaus is correct and they have NO reason to believe it is not. We have reviewed your account record and verified we have accurately reported your account history information to the major credit bureaus.
If XXXX XXXX investigated properly they would have known I was over 2000 miles away in XXXX Florida from XX/XX/XXXX through XX/XX/XXXX. Therefore, physically impossible for me to make most of the charges I am disputing. See attaching boarding pass 10. Falsely assuming I used their online banking platform, I have NOT! I receive paper statements and typically mail in my payments.
11.XXXX XXXX is refusing to address an obvious security concern. This account has not been used in years, then suddenly over a few weeks it was activated and used dozens of times. How did their security system not recognize the increased activity?
The law clearly states when furnishers provide information to a Credit Reporting Agency ( CRA ), they have obligations under the FCRA to ensure the accuracy of the information they furnish. As a rule, its illegal to report information that they know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) I have provided more than allegations, every court in this country recognizes an AFFIDAVIT of Fraud surpasses the threshold of reasonable cause Additionally, as of XX/XX/XXXX I have filed an ID theft claim with the FTC, requesting the Credit Bureaus to BLOCK this tradeline within 4 days.
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| 09/29/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2022 I made a purchase for {$5200.00} at Conn 's XXXX XXXX. This was a differed interest purchase so no interest has been accrued. The minimum payment was {$140.00}.
On XX/XX/2022 I made a {$3700.00} payment leaving the balance at {$1300.00} On XX/XX/2022 I cancelled a portion of the warranty on the original purchase made on XX/XX/2022.
As a result of cancelling the warranty, the Credit Card Company Synchrony XXXX counted the cancellation as a second purchase of {$5100.00} on XX/XX/2022. No purchase was made on XX/XX/2022. Fraudulently bringing the total balance on the Credit Card to {$6400.00}.
Upon noticing this on the statement, I called the Store Manager on XX/XX/2022 who confirmed there was no second purchase, the Store Manager called Synchrony and had their in store Credit Department send the paperwork over to Synchrony and I filed an official dispute with the store. The Store Manager provided me the number for Synchrony at which point I called them twice and filed a formal dispute with their Fraud Department on XX/XX/2022, I was transferred and spoke with the billing department who stated they would cancel the auto-pay for XX/XX/2022 and not debit us for the month as the debit amount was twice the minimum payment due of {$140.00} at {$290.00}.
On XX/XX/2022 I received a letter via email that stated below.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " We're here to help you resolve your recently opened dispute claim. '' " Here 's what we've done so far : '' - '' Opened a claim for the disputed charges, If we need additional information, we'll send you a form to complete and return to us. '' - '' Adjusted your account to reflect the disputed amount. You're not responsible for this amount while our review is underway. No fees or interest will be accrued on the disputed charges during the review process. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/2022 they debited my account for {$290.00}.
On XX/XX/2022 I noticed they had debited my account and called the Synchrony Fraud Department. I reiterated the situation and they transferred me to another agent who spoke with my account manager. I asked for them to review the previous recording 's from XX/XX/2022 to confirm the billing department stated they would cancel auto-pay for the month and would not debit my account. They stated that the recordings would have to be subpoenaed. They stated they had no records from the store and I would have to call my bank and file a fraud dispute for the {$290.00} debit.
On XX/XX/2022, I called the Store Manager again and went over what the Synchrony had told me over our phone calls. I asked the Store Manager where specifically the in store Credit Department sent the paperwork over to Synchrony, he stated he was unsure, however on XX/XX/2022 he had already emailed the in store Credit Department and they confirmed they were working to get it resolved. On XX/XX/2022 the Store Manager emailed the in store Credit Department again early in the afternoon and stated we should hear back before the end of the business day. I asked if the in store Credit Department could provide the specific location or email that they are corresponding to Synchrony with to provide the paperwork proving there was no second purchase. The Store Manager stated that they would attempt to retrieve that information from the in store Credit Department.
The Store Manager stated that they have seen this a couple of times before where the bank creates a second order on the credit card when there is no purchase made. Again, I confirmed there was no purchase made with the Store Manager and the store only has record of the original purchase from XX/XX/2022.
On XX/XX/2022, I called my bank and stated that Synchrony debited from my account and reported the transaction as fraudulent.
As a result of Synchrony creating a second charge on the Credit Card, there has been significant impact to my credit score, in which they have failed their fiduciary duties and must resolve the correct statement balances with the Credit Bureaus.
Litigation is being considered *Disclaimer I am not currently represented* as Synchrony is not resolving their issue in a timely manner and fraudulently debited my bank account. Additionally, Synchrony stated it would take weeks up to a month for them to reverse the debit. Synchrony stated it would take 60 days for them to investigate this dispute.
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| 01/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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I am reaching out to you in hope that you can help me resolve an ongoing issue with my Care Credit account.
I opened an account back in XX/XX/XXXX at my doctor 's office. At that time I received a letter from Care Credit along with my credit card. They offered a 0 % interest for 24 months with fixed payments. I went paperless shortly afterwards to preserve trees. I didn't have any issues with the account until later ( XXXX ), when I was convinced to use Care Credit at the XXXX of XXXX XXXX. That doctor 's office offered me the same deal : 0 % interest on 2 medical procedures as long as I don't miss or delay any payments. I was told that Care Credit will automatically debit my checking account every month with fixed payments. I did not get any statements regarding the new transactions from Care Credit via email nor paper. I noticed that my monthly payments immediately went up as they were debiting my checking account, so in my understanding, everything was fine.
Ever since, Care Credit debited my checking account every month ( they also determined the amount they charged me ), so I thought I was being compliant with the terms explained to me.
Towards the end of XX/XX/XXXX, as I was nearing the end of my fixed payments with Care Credit, I called them to make sure my last payment was due in XX/XX/XXXX. That is when the representative first mentioned to me that there was, in fact, a 26.9 % APR going in full swing on some of my transactions. I was very confused, as at that time I did not understand there even could be an APR on a Care Credit account. I was sold a 0 % deal. It took me sometime to understand the way they operate : 4 different charges on the same account with completely different terms. Yet, just one combined monthly payment ( initiated and determined by Care Credit ). For some of the transactions, Care Credit did in fact honor the promised 0 % APR deal and the fixed payments were set up so that I would meet my requirements for that 0 %. Meanwhile other transactions slipped into a 26.9 % APR, as Care Credit charged me way less than they should have every month, just little enough so that I would not meet the criteria and slip into a 26.9 % APR. I tried calling multiple representatives to explain that I was sold a different product and get the situation resolved. At first, I was offered to send a letter to a PO Box . Apparently, Care Credit does not do email communications in XX/XX/XXXX, nor does the company offer their corporate leadership 's phone numbers to customers like me with escalated situations. We were able to reach a mid- level manager, XXXX XXXX who kept wasting my time for several weeks ( so that I occur even more APR ), giving me empty promises and pushing the blame entirely on me. I was told that it is not their problem that I did not get any correspondence from them ; it is not their problem that I was sold a 0 % fixed-payment product by the doctor 's office, which ended up being a 26.9 % APR credit card. I feel like I am a victim of false advertisement. I also feel like Care Credit intentionally confuses their customers with multiple transactions under 1 account with 1 single monthly debit yet on completely different terms. If the terms are, in fact, all different, why not make this clear to a customer? Why not mail a separate package for each of the transactions to a customer, and have them read terms and disclosures and then determine options for each of the transactions separately? Why not separate those transactions into separate accounts with separate payments? Why empower and incentivize doctor 's offices to sell their product, yet not even follow up with those offices to ensure they deliver correct information to consumers? Why perform direct monthly debits from their consumer 's checking account with amounts smaller than needed for that given consumer to meet the 0 % APR criteria? Why make it so impossibly hard for a consumer to even figure out what is happening to their account? Or to reach the right person over the phone/email?
I feel like I have been tricked into a 26.9 % APR credit card, under a false promise of it being a 0 % fixed payment deal. I have so many credit cards with 0 % APR deal, that this would have been a no-brainer for me to pay off Care Credit balance at any time to avoid getting hit by a 26.9 % APR. In fact, I was going to use my debit card at XXXX of XXXX XXXX in the first place, had they not convinced me to use Care Credit, had they not posted " 0 % Care Credit '' advertising all over their walls. Now I am stuck with thousands of dollars in APR balance, and all I get from " Care '' Credit is that they don't, in fact, care about their customers.
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| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XXXX XXXX - {$0.00} XX/XX/2021 when I noticed the fraudulent charges SYNCB/CARECR - {$980.00} XX/XX/2021 when I noticed the fraudulent charges SYNCB/LOW - {$570.00} XX/XX/2021 when I noticed the fraudulent charges The Accounts above is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I XXXX XXXX the natural person Never gave The Accounts above consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. The Accounts above Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States , or the District of Columbia , from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; The Accounts above Credit Dispute has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; The accounts above is in violation of 15 U.S. Code 1692d - Harassment or abuse in Exhibit A, B & C A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. The Accounts above has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. The Accounts above is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. The Accounts above has provided false information to XXXX, XXXX, & XXXX
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| 03/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Servicemember |
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After a XXXX in XXXX I gained XXXX pounds and in XXXX I decided to do some thing about it because consistent diet and exercise wasnt working. XXXX I wanted to lose weight to stay within height and weight standards at the XXXX XXXX military. After researching diet plan and gastric bypass options, I decided to go with a XXXX XXXX XXXX and go to XXXX XXXX XXXX. I went to XXXX XXXX XXXX XXXX XXXX and had a consultation with a consultant. She did not obtain my way to height on a scale or tape. She obtained no objective data during the consultation visit. She only asked me how tall and how much I weighed. Then she told me that they had per done many procedures on US military service members and had great success. Before the procedure risks were given, and I was given care credit application to fill out that day so I filled the credit application out and was approved for {$9000.00}. HOWEVER after reading everything I decided to change my mind, and a XXXX XXXX XXXX And they said that I could not reverse my decision because Ive already been paid for the procedure, and I would have to take it up with a care credit. I called care credit and they said that I owe them the money even though I hadnt had a procedure next I went ahead with the procedure. Unfortunately, XXXX XXXX, a board-certified XXXX XXXX had inserted the XXXX XXXX, but he XXXX XXXX XXXX by XXXX. He gave the balloon a total amount of XXXX XXXX. It was an extraordinarily large amount given my short stature of XXXX. I became very ill and turned yellow. I also had constant projectile vomiting and explosive XXXX ( 2 weeks ). I was severely dehydrated and I went to the ER. the md at ER said the XXXX looks like its XXXX on my XXXX and my XXXX. They tried to contact XXXX XXXX @ XXXX XXXX XXXX and were not able to do so. Next, they told me that I needed to have an emergency procedure to have the XXXX taken out but they didnt have anyone there trained to do it. I needed to go back to the surgeon. I called the surgeons office and they said he was out of town and I asked for the on-call doctor and they didnt have an on-call doctor. ( This is called medical malpractice ), I had to wait in excruciating pain for XXXX hours after I called his office for him to respond to the emergency procedure. When I was at the clinic, they made XXXX comments about me that they thought I couldnt hear, but I was totally able to hear everything that they were saying ( While I was in excruciating pain and undergoing a medical emergency ). after the XXXX was out, XXXX, XXXX XXXX didnt follow up with me. ( Again, this is malpractice on XXXX XXXX ) They didnt our order any testing or any labs. I went to my doctors office because I was still very XXXX My medical lab showed that I had elevated XXXX XXXX. To this very day I am not able to have a normal XXXX XXXX most likely because of damage to my XXXX and XXXX XXXX. I contacted the Oregon state medical board and made a complaint about XXXX XXXX and they made him change his practice standards at the XXXX XXXX XXXX. I made a complaint so that it insured that XXXX XXXX was accountable for his actions and to make a paper trail of what they did to me because unknown to me a XXXX XXXX XXXXXXXX had killed a woman and XXXX Washington months before what happened to me in XXXX Oregon. Next I started receiving nonstop care, credit demands for payment then I was harassed on the phone and then I started getting synchrony, bank collection, letters, and threats to take me to court. I have disputed the care credit, XXXX to present. I think its XXXX XXXX would just go with what the clinic was telling them and the clinic was telling them lies that I had, and disputed the amount within XXXX hours, and that I had a perfect outcome, XXXX XXXX XXXX and CareCredit/ synchrony bank. Started harassment, letters, which I disputed over the last XXXX years. I recently disputed the account and received two letters from synchrony bank ; a dispute letter and a you still owe us letter both arrived on XXXX XXXX XXXX.
This was a medical procedure and a medical debt. I was injured because of the procedure and XXXX XXXX malpractice as evidenced by the Oregon XXXX XXXX XXXX XXXX, taking action to make him redo his standards of practice at his office.
Furthermore, unknown to this United States military service member of XXXX XXXX XXXX was absolutely not allowed under the United States uniform act two in place a XXXX XXXX in the United States military service member. The US surgeon generals office XXXX notice if. NO XXXX XXXX is allowed in US service members was printed and sent to care credit and a XXXX XXXX XXXX after their continued harassment to pay the debt.
|
| 06/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Summary : The credit card department at walmart.com has serious problems with their systems. After working with them over 2 months, Ive decided to pay my balance and close the card 1. I filled out an online application@walmart.com for Walmart credit card.
2. I was approved and told I could use a temporary card until I received the permanent card. I had over {$75.00} worth of merchandise in cart to qualify for the {$25.00} statement credit.
3. I tried to check out using the temporary card but the online system rejected my card saying the card was invalid and I should call customer service, which I did.
4. Cus service rep could not solve problem and suggested I wait for the permanent card coming in the mail.
5. After receiving the card I tried to activate it. The recorded message said there was a problem and it could not be activated.
6. Customer service manually activated the card and said I would not have any more problems.
7. I tried to use the card at a gas station the next day, and it was declined. Cus service said they solved that problem and I would not have any further problems 8. I tried to use the card again at a different store and it was declined. I did not call them back ; I decided I would never try to use the Walmart cc again ...
9. The card went through fine when paying the total amount for the items in my walmart.com online cart, which was over {$75.00} so I would be get the {$25.00} statement credit 10. I set the card up with my bank for it to be automatically paid each month, but I never received my statement, instead, I received emails telling me my statement was ready with a link to go to Walmart statement managing system, where you can view and download statements. Unfortunately the system would not let me register, saying the info I submitted was wrong.
11. Then I received an email from Walmart stating my c card pmt was due in 4 days and they had not received pmt yet.
12. Since I could not register on the walmart.com credit card web site so I could view my statements, I had no choice and had to call cus svc again.
13. XXXX, the cs rep, told me the last 4 digits of the social security card were not matching what I was giving her, and she told me there was not anything she could do to give me access to my statements. I needed to make a payment, but I would not be able to view the transactions I was paying for. She told me she would send the one I missed, and request that I get paper statements from then on ... I asked to speak to a supervisor.
14. XXXX, the supervisor, told me what XXXX had said ; the last 4 ss # digits did not match. She said she would send me the statement I missed, and new statements thereafter. When I asked her what I need to do to use the view statements web site, she said I should make copies of my ss card and my drivers license, and send them to corporate in Florida. How is it that Walmart/Synchrony bank can check my credit with the wrong social security number? It had to be in there correctly for them to check my credit. I know the last 4 # s of my card.
15. Having to do even more work and spending more of my time did not make good business sense. I told her my feeling was that if they checked my credit and approved me for a credit card with the information they had on file, I did not think it was up to me to send them more identification in the mail. I especially did not feel it was safe to send copies of my ss card and drivers license in the mail 16. The supervisor told me it was the only thing I could do. I disagreed. My other option is Once I finally get my statement I can pay off the balance and close the credit card.
17. I made a payment that night through her so my payment would not be late. She said that it normally cost {$10.00} to pay that way, but she would waive the fee. At his point, being told I was getting something free did not make me feel grateful.
18. As a final penalty for getting a Walmart credit card, every other day I am receiving text messages on my cell phone from their Get Human system asking me if the problem had been solved. There is no place to answer this question. Then the text goes on to ask what I am expecting them to do, and that they are waiting for my response. There is no link to respond, no input fields to make a comment.
I can only surmise that this entire department and their Interaction with customers through their online system is proving the Peter Principle is still thriving in some of the largest corporations in the World. There is no excuse for this kind of ineptness which lands squarely in the lap of the customer. If it is happening to me, it is happening to other credit card holders as well.
|
| 11/14/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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All of this started back in XXXX of XXXX when PayPal was sending a charge for some service or product that was not clearing on my PayPal credit account, or clearing through the preferred payment card that I had on file to all of the other payment cards that I had on the account. Now, PayPal requires a person to add any card to their account in order to use it to pay their bill, so I had multiple cards that were not to be used for transactions on the account. I had attempted to remove all of these extra cards, but PayPal kept giving me error messages and " saying try again at a later time '' and because I had not had any issues prior to this, I didn't worry too much. However, back in XXXX when they sent this charge to multiple cards, they ended up sending this charge to a credit card that I had on file, and it ended up over-drafting that account. Because I had NOT given PayPal permission to bill that card as it was not the preferred card, and it was only on the account because I used it to pay them, and because the company whose product or service I was using did not have access to that card information, my credit card company refunded the charge and put the company on the block list so no future charges could be processed by them. Once my credit card company had resolved the issue on my end, I logged into my PayPal account on XX/XX/XXXX to get those extra payment cards off of my account so that this did not happen again. I have video of my attempting to do this and PayPal giving me that same message of not being able to process my request. I also then realized that all of a sudden, I had a negative balance {$40.00} something dollars on my PayPal cash card that I had not used since I went to XXXX back in XX/XX/XXXX. I believe I used it XXXX time after I came back home in XXXX, and there was only like {$0.00} remaining on the card. So I messaged customer service in regards to the negative balance on the PayPal cash card and why I couldn't remove my extra payments cards off of my account. They responded with their generic apology and said basically, try again. They didn't even address the fraudulent charge that was on the PayPal cash card at all. Not to mention that I didn't even have the PayPal cash card anymore because it had expired, and because I only got the card for my vacation, I didn't order a new one because I knew I wasn't going to use it. I stated that I needed them to fix this now, and the person who was responding essentially told me that they couldn't do anything. That is when I ACCUSED PayPal of fraudulently holding my financial information so that they could send charges wherever they wanted to, and that they did not have my permission to do that. I also stated that I was not paying my PayPal credit balance of {$280.00} something until they resolved these other issues. Mind you, the payment wasn't even due yet so there was time for them to fix the problems in order for me to pay them on time. In fact the rep could've fixed the problems right then by helping me with my issues, but chose not to. So I REQUESTED for them to start the process of closing the account because I no longer trusted PayPal credit. I immediately reported this to the XXXX XXXX XXXX. ( I can only access the report through their portal, but It's old so I am not sure how to do that ). While waiting on the XXXX response, I had attempted to log into my PayPal account on XX/XX/XXXX and I couldn't get in. I have video of this attempt and it telling me that some unusual activity had occurred on my account, and that I needed to change my login info. I reported this to the XXXX as well and PayPal and Synchrony Bank where passing the blame back in forth on each other. Even stated that they showed no report of fraud or unusual activity on the account so they didn't know why it was stating that when I tried to login. have no access to my billing statements or the chat of the conversation I had. I never received a final, closing billing statement for the charges that I knew I owed them, and the fraudulent charges were never even addressed. All I have received is a bill for {$410.00} from PayPal and the collection agency. There is no explanation for why the bill is {$410.00}. This collection showed up as being removed from my credit in XXXX XXXX XXXX. It is possible that it was removed in XX/XX/XXXX but I did not pull a report for that month, same with XXXX of XXXX, as the account was re-added to my credit reports in XX/XX/XXXX. I am waiting on statements from the other banking services regarding the multiple attempts they received from PayPal to show they did exactly what I am stating they did. And again, I also have videos.
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| 07/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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I was defrauded by a website called XXXX and then my credit issuer PayPal Credit ( handled by Synchrony Bank ) did not investigate my chargeback despite my calling and begging them to dozens of times over the course of 4 months.
I purchased a flight on XXXX XXXXn in XX/XX/2021, for the total of {$540.00}, and within a few days of my purchase, the country of the flight 's destination changed their COVID rules and US travelers were no longer allowed entry into that country at all.
I attempted to call the airline to have my flight cancelled or changed. They told me only XXXX could handle it, as it was a " travel agency. '' I called XXXX multiple times but was never able to reach anyone on the phone. I called many times and was put on hold for half an hour, or just hung up on directly. I paid an extra {$80.00} on top of the cost of the flight to XXXX in order to have a " flexible ticket '' which could be changed up to 3 days before the flight. However, the ONLY WAY to make those changes was to call them by phone, there is no customer service email address, and surprise! They don't answer their phones. They soon disconnected the customer service phone number that was on their site and replaced it with a new one. Very weird and not normal for a " travel agency. '' Oh but they do have an " enhanced service '' option for an extra fee which I declined. I guess I should have paid the extra money on top of my {$80.00} in order for my " flexible ticket '' to be actually flexible.
Searching social media for mentions of " XXXX '' confirmed my worst fears had come true and I had been scammed by a fly by night operation of tricksters taking advantage of COVID country closures. One person said they were on hold for hours and then the person who picked up the phone laughed at them.
The airline confirmed that the tickets were in fact real, but because I had gone through XXXX, they could not refund me, which they would have done immediately otherwise because COVID closures are not within anyone 's control.
When I attempted to dispute this fraudulent charge with Synchrony/PayPal Credit , they sent me around in circles for months, telling me I had not provided any documentation of my claim, and each time I tried to submit documents something mysteriously went wrong : first PayPal Credit 's web submission forms were broken, but only for me, nobody else, they claimed. They remained broken throughout this 4 month process. I sent multiple faxes which were ignored, and finally I even sent the documents by mail, with a tracking number through USPS Priority Mail ( which cost me another {$8.00} ), to a po box number that their dispute department provided me, and they still claim they never got them. They ruled against me without ever really giving me an opportunity to plead my case.
I tried calling Synchrony/PayPal Credit about this dozens of times. They always told me either -- " Just wait another 90 days, everything will be handled. I think you have a good chance of it being ruled in your favor '' -- or conversely, they'd claim never received my documents and my dispute was then closed because they claim I never responded to their requests for documents. I had the dispute reopened 3 or 4 separate times and made multiple good faith efforts to send in proof that I had been defrauded by XXXX. They pretended that they never got any of my proof and ruled against me every time.
Among the documents I sent PayPal Credit, which were never reviewed, there was a copy of the email invoice, which confirmed that I had paid and extra {$80.00} for the flexible ticket and that the only way to change the flexible ticket was to call them at their phone number, ( which was later disconnected ). I also sent them my phone records proving that I attempted to call a number that was listed on their website at the time of my purchase ( but again, they disconnected that number and changed it to a totally new one, very weird for a " travel agency '' ).
Synchrony pretended they never received any of it, even though I have tracking from USPS proving it arrived at the po box that their dispute department told me to send them to.
The way that my dispute was handled somehow felt even worse than just being stolen from by a shady website I shouldn't have trusted in the first place. I've been a loyal customer of PayPal Credit for 10 years, they were supposed to have my back. They treated my issue like a XXXX, they treated me like I was an XXXX, and at times, less than human with their hostility and condescension. PayPal Credit/Synchrony Bank helped a horrible scam website run away with my money and I will never, ever be using them again.
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| 06/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Please refer to CFPB COMPLAINTS XXXX ( made by spouse ) AND CFPB COMPLAINT XXXX made by myself.
XXXX SUBMITTED COMPLAINT REGARDING RECEIVING COMMUNICATION IN REFERENCE TO APPLYING FOR A TjJMAXX CC. UNLESS WE ARE OVERLOKKING THE LISTS OF COMPLIANTS FILED THIS COMPLAINT NUMBER IS NOT LISTED NOR DO WE SEE THE COMPLAINT, XXXXSPOUSE RELEASED FROM BANKRUPTCY XXXX AND DID COMPLETE A TJ MAXX APP PROVIDING HER CURRENT ID AND SS #, SHE KNEW SHE WOULD BE DENIED BASED ON 1. SUBMISSION OF COMPLAINT XXXX IN XX/XX/22 REFERENCED RECEIVING COMMUNICATION AND DENIAL SHE APPLIED FOR A TJ MAXX CARD WHICH, SHE DID NOT DUE TO BR, I APPLIED FOR A CARE CREDIT CC RECENTLY AND WAS APPROVED, IN ADDITION, I HAVE MAINTAINED A PAYPAL ACCOUNT FOR YEARS. BOTH ACCOUNTS PAID ON TIME AND IN GOOD STANDING, A EMAIL WAS SENT TO ME ON YESTERDAY XXXX STATING I REPORTED MY CARD TO BE EITHER LOST OR STOLEN AND I WOULD RECEIVE A NEW CARD IN 7 TO 10 DAYS, AS MY SPOUSE STATED IN HER COMPLAINT WE WONDERED WHAT WOULD BE NEXT REGARDING SYCHRONY BANK.
WELL, AS OF THIS MORNING XXXX I LOGGED INTO MY PAYPAL ACCOUNT AND IT WAS CLOSED AND BALANCED DELETED, IRONICALLY, I CONTACTED PAYPAL SEVERAL MONTHS AGO BECAUSE IT APPEARED I WAS BEIG OVERCHARGED FOR ORDERS I HAD PLACED AND ORDERS I RETURNED I WAS NOT GETTING MY RFUNDS TIMELY AND THE AMOUNTS REFUNDED WAS QUESTIONABLE, ITEMS APPEARED TO HAVE BEEN CHARGED PRIOR TO BEING SHIPPED AND SOMETIMES I DID NOT RECEIVE THEM.
I DID CONTACT CARE CREDIT ON YESTERDAY XXXX VIA PHONE, THEY PLACED ME ON HOLD FOR ALMOST 40 MINUTES, IT APPEARED THERE WAS SOMETHING SHADY TAKING PLACE. I WAS INFORMED THE ACCOUNT WAS CLOSED DUE TO XXXX BASICALLY INFORMING THEM I HAVE ID THEFT AND FRAUD NOTATED ON MY CBR, I INFORMED THEM I DID NOT ASK THEM TO CLOSE MY ACCOUNT BECAUSE I DID NOT REPORT THE CARD BEING STOLEN, LOST OR MISSING. AGAIN, THEY STATED XXXX BASICALLY TOLD THEM TO CLOSE IT. FURTHERMORE, THE ACCOUNT WAS CLOSED FOR 60 TO 90 DAYS AND IT WAS UNDER INVESTIGATION?? I PROVIDED PERMISSION FOR MY WIFE TO SPEAK WITH THE CUSTOMER SERVICE REP. SHE INFORMED THEM WE HAVE HAD ID THEFT./FRAUD FOR SOME YEARS. WE WERE NOTIFIED BY THE IRS. FURTHERMORE, IF THEY SAW IT ON THE CBR THEY SHOULD HAVE NEVER APPROVED THE CARE CREDIT ACCOUNT, MY WIFE IS IN THE MIDDLE OF A VERY SERIOUS DENTAL PROCEDURE AND SHE INFORMED CARE CREDIT THEY WERE CAUSING ADDITIONAL INJURY AND HARM AND IFSHE DIES OR GETS ILL WE WILL HOLD SCYN, BANK FULLY LIABLE, SHE ASKED TO SPEAK TO THE LEGAL DEPARTMENT, THE CS REP WAS RUDE AND DID NOT PROVDE ANY NUMBERS. IT WAS VERY OBVIOUS SHE WAS COMMUNICATING WITH ANOTHER DEPARTMENT IN ORDER TO ENSURE THEIR LIES SOUNDED LEGIT AS IT RELATED TO THE CLOSING OF THE ACCOUNT. WE WERE INFORMED A TEMP CARD COULD NOT BE ISSUED, ' GIVING THE DRAMA WE HAVE BEEN GOING THROUGH OVER THE YEARS WHICH, WAS CREATED BY OTHERS SUCH AS FRAUD ETC, I RESEARCHED THE BOARD MEMBERS OF SYN, BANK AND IT APPEARS THERE ARE MAJOR CONFLICTS. THERE IS A VERY HIGH PROFILE DIVOICE TAKING PLACE IN MY FAMILY AND A COUPLE OF THE BOARD MEMEBERS ARE AFFLIATED AND APPEARS TO WORK WITH THE INDIVIDUAL WHO FILED FOR DIVOICE, IN ADDITION, THIS INDIVIDUALS FATHER IS HIGHLY CONNECTED IN THE BANKING INDUSTRIES, THIS INDIVIDUAL WHO FILED THE DIVOICE MADE A THREAT AGAINST BOTH MYSELF AND WIFE REGARDING SABOTAGE AND MORE.QUITE IRONIC!
ALSO, SEVERAL OF THE BOARD MEMBERS ARE PREVIOUSLY OR CURRENTLY INVOLVED WITH MORTGAGE COMPANIES WHO ISSUED FRAUDULENT MORTGAGES AGAINST OUR PERSONAL AND OR COMMERICAL PROERTIES, WE WERE UBDER THE IMPRESSSION THE XXXX XXXX XXXX XXXX GA WOULD ASSIST US WITH INVESTIGATING THE FRAUD BUT, THEY DID NOT. THEY STOLE OUR ASSESTS AND SOLD THEM TO THEIR COLLEAGUES AND OR BACK TO THE BANKS WHOM WE NEVER EVEN RECEIVED MORTGAGES FROM. OUR INFORMATION WAS UTILIZED TO OBTAIN INITIAL LOANS AND THE MONEY WAS STOLEN. WE THOUGHT WE HAD MORTGAGE LOANS BUT, AFTER INVESTIGATION WE DID NOT. WE WERE PAYING MONEY MOTHLY AND STILL TO THIS DAY DO NT KNOW WHO STOLED IT.
GIVEN THE ABRUPT TERMINATION OF MY SYN ACCOUNTS AND THE BEHAVIORS OF THE ABOVE INDIVIDUALS IT LEADS US TO BELIEVE THERE COULD POSSIBLY BE INVOLVEMENT BY THEM AND THE ATTORNEY WHICH I RETAINED WHO HAS BASICALLY STOLEN A XXXX RETAINER AND DID NOTHING,. WE DO BELIEVE HE IS HIGHLY INVOLVED WITH WHAT APPEARS ILLEGAL BEHAVIORS. HIS ROLE APPEARS TO BE THE INDIVIDUAL WHO NOTIFIES MORTGAGE COMPANIES. BANKERS, ATTORNEYS, JUDGES AND OTHERS WHO ARE INVOLVED IN XXXX BEHAVIORS AND IS POSSIBLY COMPENSATED BY THE BANKS, MORTGAGE COMPANIES AND OTHERS TO STAY ONE FOOT AHEAD WHEN WE MAKE REPORTS SUCH AS THIS, AGAIN, WE COULD NNOT LOCATE THE ABOVE REPORT NUMBERS IN THE CFPB SYSTEM, NO PROBLEM WE WILL RE UPLOAD.
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| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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in XX/XX/XXXX a payment was returned to synchrony bank from my bank hope credit union on XXXX the XXXX i corrected the problem i used my walmart debit card ending in XXXX to pay XXXX for the XXXX payment. my account with synchrony bank has always been set up as a ACH payment for years under XXXX XXXX XXXX account ending in XXXX when i called in on XXXX it was to make a one time ACH payment using my walmart green dot visa card ending in XXXX that is what i stated to the customer service person that this will be a one time ACH FOR XXXX which means they would continue to take the monthly payment from account ending in XXXX i told the customer service person that the reason i was using my walmart debit card is because they money is not in the regular account at that time. well thats when as far as i can tell everything went to XXXX. the customer service lady put the card in as where synchony bank should be getting all of their monthly payments from i did not tell her to change my information i did not tell her to remove any information she did that on her on. i recieved a call from synchrony saying the have not been getting their payments i called my bank while the customer service person was on the phone i asked my bank why were they not giving synchrony there payments my bank said because they have not been requesting any money in checking the info the customer service person said account ending in XXXX i asked her why would she try to take money from that account when i already have reaccuring payments coming from account XXXX she said in XXXX i changed the infomation to account ending in XXXX i told no i did not .she said i had the old information removed and added the new and that is a lie when changing information she had to read me different documents and i have to agree to allow synchrony to get monthly payments and no one read or ask me that i was only read a disclosure to allow them to take one payment for XXXX from account ending in XXXX i have called synchrony over 15 time trying to correct this issue they have put a 30 day and a 60 day late on my credit report for something their customer service person did wrong they have charged me XXXX to bring my account out of delinquency. which is different then what my credit report say i was told after calling and making 3 different disputes with synchrony that they would pull the calls and get back with me and it might take 30 days i was sent a letter that stated they contacted the credit agencies for them to correct the information but it still not corrected i did a dispute with XXXX and they removed the 60 days late but left the 30 days late i am asking synchrony to honor the letter that shows the review in my favor thats dated XX/XX/XXXX i will be uploading u that letter also i recieved a letter from synchrony bank stating that i did 2 ACH PAYMENTS FOR XXXX and one of them was returned thats a lie once again their customer service person did something wrong and its being blamed on me by synchrony. i called synchrony bank on XX/XX/XXXX to make a payment to stop the delinquency that was wrongfully being put on my credit report i did not put the information into their computer their customer service person put the information and she had to have done it wrong once again because i recieved a letter stating that my ACH for XXXX was reversed i called them and ask them what were they talking about they said that they did get one of the XXXX but the second one was reversed and i got very mad and said what are u talking about two ACH for XXXX why would i pay u two my purpose was to stop the negative information that they were putting on my credit report. on XX/XX/XXXX i talked to a guy name XXXX i told him i was calling for the XXXX time trying to correct their wrong with charging me with all the fees and the negative that they put on my credit report XXXX said that they would pull all calls from XXXX until now i asked him was by law i am allowed to have a transcript of the calls in writting and he said no well i feel that no one is policing those calls and they can say anything they want since they were the ones listening to their own calls just like the letter i recieved showing in my favor but they still have the negative info on my credit report i was told by XXXX that synchrony can charge me any fees they want to charge me and that i would never be believed by anyone cause i have to have all these dates all these names if not i will not win aganist synhrony well i say if everything is recorded then why would i need all that which shows me that they mistreat and lies on their customers cause the recording will show who the liar is.
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| 10/26/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO : AMAZON AND SYNCHRONY BANK, AMAZON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : SYNCHRONY BANK AMAZON CREDIT CARD INACCURATE CREDIT REPORTING, AND NOTICE OF DISPUTE OF FRAUDULENT SYNCHRONY BANK CREDIT CARD BILLING DATES AND PRICES, DISPUTE OF THE ATTACHED UNAUTHORIZED AND UNWARRANTED XXXX XXXX XXXX {$8.00} PAYMENT, DEMAND FOR REFUND, AND DISPUTE OF EACH CREDIT INACCURATE REPORTING NOTED IN THE EXHIBITS AND DEMAND FOR VALIDATION AND IN WRITING REASONS FOR THE REPEATED SYNCHRONY BANK CREDIT REPORTING INACCURACIES NOTED BELOW.
DEAR AMAZON AND SYNCHRONY BANK DIRECTORS : I WRITE THIS LETTER WITH RESPECT TO THE BELOW EXHIBITS EXEMPLIFYING REPEATED INACCURATE CREDIT REPORTING THAT IS UNWARRANTED, HARASSING AND HAS CAUSED ME PROBLEMS.
PLEASE SEE EXHIBIT 1. THIS EXHIBIT IS FROM AMAZONXXXX. THIS EXHIBIT SHOWS 2 ORDERS.
1. XXXX XXXX XXXX FRAUDULENT BILLING FOR XXXX PREMIUM PLUS FOR {$14.00}. I SERVICE I NEVER ORDERED OR USED.
2. XX/XX/, BILLING FOR A BOOK TITLEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
HOWEVER, IN EXHIBIT 2, BOTH OF THESE ITEMS ARE INACCURATELY PRICED AND REPORTED ON THE AMAZON SYNCHRONY BANK CREDIT CARD STATEMENT. THE CREDIT CARD DATE AND PRICE INACCURACIES ARE : XXXX. THE XXXX PREMIUM IS BILLED AND CREDITED ON XXXX XXXX XXXX AS AMAZON XXXX FOR {$17.00}. THE DATE AND PRICE ARE INACCURATE AND INCONSISTENT WITH THE AMAZONXXXX RECORDS. THIS INDICATES FRAUD. COMPARE EXHIBITS 1 AND 2.
2. THE BOOK TITLED, XXXX XXXX XXXX XXXX XXXX IS BILLED AND CREDITED ON XXXX XXXX XXXX FOR {$21.00}. THE DATE AND PRICE ARE INACCURATE AND INCONSISTENT WITH THE AMAZONXXXX RECORDS. THIS INDICATES FRAUD. COMPARE EXHIBITS 1 AND 2. SYNCHRONY CREDIT STATEMENT RECORDS ARE FRAUDULENT AND INCONSISTENT WITH AMAZON RECORDS. THERE IS A PROBLEM.
ALL OF THE ABOVE IS INDICATIVE OF FRAUD. PLEASE STOP IT AND MAKE SURE SYNCHRONY BANK, REPORTS THE ITEMS I BUY FROM AMAZON ACCURATELY. THIS MEANS THAT SYNCHRONY BANK MUST REPORT THE AMAZON ITEMS CREDITED, IN ACCORDANCE WITH THE DATE AND SAME PRICE FROM MY AMAZON ACCOUNT.
PLEASE NOTE CLEARLY, IN EXHIBIT 2, IT SHOWS A NEVER ORDERED XXXX FOR {$17.00}. PLEASE RETURN THE {$17.00} CREDIT TO THE BALANCE. I DISPUTE THIS FRAUD.
PUT IN WRITING THE REASON SYNCHRONY BANK HAS INACCURATE DATES AND PRICES, WITH THE AMAZON CREDITED ITEMS, IN EXHIBITS 1 AND 2.
PLEASE NOTE CAREFULLY. I DISPUTE THE OUT OF NO WHERE, NO PAYMENT DUE, UNAUTHORIZED PAYMENT FOR {$8.00}. SEE EXHIBIT 3. I DID NOT MAKE SUCH PAYMENT AND SUCH PAYMENT WAS MALICIOUSLY AND CRIMINALLY USED IN MY CHECKING ACCOUNT. IT IS UNAUTHORIZED. REFUND THE UNAUTHORIZED AND UNWARRANTED PAYMENT OF {$8.00} XXXX XXXX XXXX
PLEASE CORRECT THE ADDITIONAL CREDIT INACCURACIES IN EXHIBITS 4 AND 5. BOTH EXHIBITS SHOW THE CURRENT BALANCE AS THE SAME AMOUNT OF {$1000.00}, YET EXHIBIT 5, SHOWS A XXXX AVAILABLE CREDIT ERUPTION THAT IS NOT DEDUCTED FROM THE CURRENT BALANCE OF {$1000.00}. PUT IN WRITING THE REASON FOR THIS INACCURATE CREDIT REPORTING AGAIN, AND FIX THIS BY DEDUCTING THE {$17.00} FRAUD FROM THE ALLEGED {$1000.00} CURRENT BALANCE.
PLEASE SEE EXHIBITS 6 AND 7. PLEASE PUT IN WRITING WHY THE AVAILABLE TO SPEND IN BOTH EXHIBITS ARE THE SAME, {$160.00}, YET THE CURRENT BALANCE IN EXHIBIT 6 IS {$940.00} AND IN EXHIBIT 7, IT IS {$850.00}.
PUT IN WRITING, WHY WAS THE EXHIBIT 7, {$100.00} PAYMENT NOT APPLIED TO THE AVAILABLE CREDIT? WHAT IS THE PURPOSE OF THESE REPEATED CREDIT REPORTING INACCURACIES?
ACCORDING TO THE EVIDENCE IN EXHIBITS 7 -9, THE CURRENT BALANCE IS {$900.00} AND THE AVAILABLE CREDIT IS {$110.00}. THE CREDIT LIMIT IS XXXX. PUT IN WRITING WHY SYNCHRONY BANK IS USING INACCURATE CREDIT REPORTING AS A METHOD OF OPERATION IN MY ACCOUNT. IS THIS SOME NEW HARASSMENT TO SABOTAGE ANOTHER GOOD-STANDING NEVER LATE OR MISSED ACCOUNT?
IN CLOSING, I INVOKE MY GOD GIVEN AND FDCPA, FCRA, EQUAL CREDIT OPPORTUNITY ACT AND EQUAL PROTECTION OF THE LAW RIGHTS, TO HAVE THIS ORGANIZED FRAUD, GOOD-STANNDING CREDIT CARD ACOUNT SABOTAGE STOPPED. I DISPUTE ALL THE FRAUD NOTED AND DEMAND VALIDATION. I DEMAND WRITTEN REASONS AND STOPPAGE FOR EACH AND EVERY CREDIT INACCURACY ADVERTISED. PLEASE CORRECT THE ACCOUNT BALANCE AND AVAILABILITY EXPEDITIOUSLY AND STOP THIS MALICIOUS INACCURATE CREDIT REPORTING VERIFIED IN EACH EXHIBIT ATTACHED. THANK YOU.
SINCERELY, XXXX XXXX XXXX XXXX XXXX REFERENCE POSTED AT : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX : XXXXconsumerfinance.govXXXX XXXX XXXX XXXX FEDERAL TRADE COMMISSION, https : //reportfraud.ftc.gov/ # XXXX XXXX XXXX
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| 03/16/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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I applied for a Mastercard through Synchrony Bank. I was denied the credit card. I was not provided an explanation for the denial.
I applied for a Sam 's Club Business Mastercard in my business name. Without being informed, I was switched to a Sam 's Club store branded credit card. Synchrony Bank representatives informed me I / my business was DENIED for the Sam 's Club Business Mastercard. But, they refuse to provide me written notification of the DENIAL. I am unable to dispute the denial. I am unable to determine if any information used to process the application is incorrect.
On or about XX/XX/20, I / my business joined Sam 's Club as a Sam 's Club + member, and applied for the Sam 's Club Business Mastercard in my business name. A Sam 's Club store membership representative completed the application on the membership rep 's tablet. I did not see the information they entered in the system application on their tablet.
There was a problem with the application of a nature unknown to me. I got conflicting information from Synchrony Bank. I received a letter from Synchrony Bank that I / my business was DENIED the card because they were unable to verify my business phone number. I called Synchrony Bank. The representative informed me the bank never received the Mastercard application, that it was stuck in limbo at the Sam 's Club.
I was directed to go to the Sam 's Club to resolve the matter. I returned to the Sam 's Club on or about XX/XX/20. The membership representative deleted the original application and prepared a new Mastercard application in my business name. This time, I viewed the tablet screen as information was entered. Several attempts were made. First, they completed the application for a consumer store brand card, rather than a business Mastercard. I pointed out the error. I specifically wanted the business Mastercard because of programs associated with the card ( e.g., 5 % cash back ). The Sam 's Club membership rep started a separate application for a business credit card. They entered in my Social Security Number, rather than my Employer Identification Number. I had to insist several times to enter in the EIN and DUNS number, before the rep entered the information correctly.
About 30 minutes later, I was informed the application had been approved with a {$2500.00} credit limit. I understood this to mean I was approved for the Sam 's Club Business Mastercard, with a {$2500.00} limit. I was informed I would receive the card in 7 - 10 business days.
Several days later, I called Synchrony Bank to delete the application for the consumer credit card. The bank rep informed me the application was deleted.
Synchrony Bank switched my business to the Sam 's Club branded business credit card, without me being informed of the switch. The Sam 's Club branded business card DOES not have the same program benefits as the Mastercard.
I've called Synchrony Bank twice ( Thursday XX/XX/20 and Monday XX/XX/20 ), speaking with supervisors both times. I perceive that they are feeding me a line of XXXX XXXX, telling me that I was informed of, and accepted, the switch from the Mastercard to the store brand card.
I WAS NOT informed of the switch at any time. Both supervisors clearly stated I was DENIED the Mastercard, and that they have no obligation to inform me of the reason for the DENIAL, because they issued my business a store branded card. They claim I was informed through the online application form, which was never shown to me by the Sam 's Club store reps. The Synchrony Bank reps claim they are not responsible for the actions of the Sam 's Club store employees processing the Synchrony Bank applications. The Sam 's Club store employees are representing Synchrony Bank when they process the credit card applications. As such, they must be knowledgeable of the bank policies, and conduct themselves as Synchrony Bank reps.
I called the local Sam 's Club store on XX/XX/20. The store manager informed me there is a note in my business member profile that Synchrony Bank mailed me a letter on or about XX/XX/20, explaining the denial for the Mastercard. The Synchrony Bank rep with whom I spoke on XX/XX/20 says there is no such system information for the club personnel to access.
Synchrony Bank did a Bait And Switch. I did not apply for the store branded card. I was never informed of the change. I do not want the store branded card. The store branded card is not the same as the Mastercard. It does not have the same program benefits.
My business did not receive the credit for which I applied. My business was denied the credit, with no written explanation.
|
| 01/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I saw an ad on XXXX for cosmetic injections, which I had been thinking about. When I called to inquire I was told that the doctor was offering deep discounts of {$350.00} per syringe when other doctors were charging {$800.00} for the same product. I made an appointment for XX/XX/2021 at his location in the XXXX section of XXXX XXXX. Upon arriving I filled out some preliminary paperwork asking what area or problem I wanted the doctor to inject and was also asked my form of payment. I showed them my Care Credit card and they took the information down. I was then led to a small room where there was no exam table but only a wooden chair. XXXX walls of the room were lined with folding tables holding duffle bags and suitcases overflowing with clothes like someone was living there. I sat on the chair but thought I might be led to a regular exam room but was not. The doctor immediately picked up a pre-filled, unlabeled syringe laying on the top of a nearby duffle bag in this dirty room and started injecting my face. There were no boxes or bottles anywhere that indicated he was using the popular brand products he advertised. Being new to cosmetic procedures, I was very nervous and asked the doctor what product he was using, and he barked at me, " I know what I'm doing. You don't need to know! '' I was shaking but didn't have the courage to question him or to even get up and leave. I had such a fear and even thought he might mess up my face if I questioned him. After doing maybe XXXX injections he put the syringe back on to of the duffle bag and picked up another pre-filled, unmarked XXXX and also gave me XXXX or XXXX XXXX with that. While XXXX me he never wrote down what product or quantity of product he was using. All in all, I would say I had no more than XXXX XXXX in my face- but it didn't look like anything he did had any effect and not seeing any labeled product, later I thought he could have just injected me with water. He didn't take before or after pictures which I understand is customary to show improvement. When he finished I got up to leave, was not given any paperwork at all, got no indication of the total cost and just left. I was so shaken up that I sat in my car half hour before I could calm down enough to drive. Two weeks later when the swelling and bruising went down, I wasn't sure what to do but I filed a formal complaint with the NY Attorney General and followed up once a month as they said it would take a while. They eventually told me it was given to the Health Care Bureau who I then started following up with. After another few months of following up I was told there was nothing they could do, only the investigation! I thought they would get involved but not. What a waste of time! I thought they would intervene. I did contact the doctor 's office after my " treatment '' to stress my dissatisfaction but they refused to do anything or offer more information. In the mean time when my Care Credit card bill arrived, I was in a state of total panic! There was nothing this doctor did that would justify a {$7000.00} charge! I was never even given a breakdown of the charges or product quantity used! I then thought Synchrony Bank would look into it, realize it was a fraudulent charge or even a scam and credit the charge out but they determined that no credit was do! XXXX sent me a paper obviously from the doctor showing the generic names ( not brand names ) of product used but there was no indication of quantity or number of syringes used which was the way patients were to be charged. I even sent XXXX a copy of a newspaper article indicating that the doctor 's licenses were suspended for performing " invasive aesthetic procedures with inadequate formal training and little regard for the health and safety of his patients ''. It also said he had substandard protocols for medical recordkeeping, patient follow-up, and storage of medical supplies, including products that require refrigeration and strict temperature control. I can testify that there was no medical refrigerator in that office. An inspector went to one of his offices to confirm all this information. So I was injected with reused, unsanitary syringes holding product that was not refrigerated or stored properly, never informed or given a bill or breakdown of the product or quantity used and Synchrony Bank determines I still owe the entire balance? What about the fact that his licenses were suspended by state medical authorities and that he had inadequate formal training? I am shocked how long these investigations took and the fact that Synchrony thinks all this is just fine! How is this fair?
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| 03/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Synchrony Bank is making a mockery of the law. i XXXX XXXX XXXX have received your recent emails stated and letters stating that the Tender of payment was missing and the back office had not reviewed or received it as of yet. Well its a Tender of Payment Coupon redeemable at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Please forward payment to the back department or the Remittance Department asap. Base upon law " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83.
The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) I spoke will speak with many Representative of Synchrony and validate and verify that the payment was received as of XX/XX/XXXX, and she said yes allow ten days for processing. Well its been well over ten days and i am receiving emails again as of XX/XX/XXXX claiming that my services will be interrupted when you have been paid by tender. Notice there can not be any increase in the principle balance or interest. Therefore XXXX XXXX you are hereby notified that I do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute.
I XXXX XXXX have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute.
Therefore it is not invalid bank information. There is no reason to locate the bank account provided because it would be that of either the Federal Reserves Bank or the US Treasury. You will not need banking account status for this is a tendered payment by law. The funds or i.e. credits are available. Use either the Money Order Remittance or the Coupon.
You have received both payments for both cards please apply the credits thereto both of my accounts. If i do not see them credited within the next fifteen days ill file a complaint with CFPB SEC FTC CONSUMER AFFAIRS & Small claims court.
XXXX XXXX XXXX XXXX for account No. XXXX XXXX XXXX XXXX XXXX SYNCHRONY BANK XXXX XXXX XXXX XXXX FL [ XXXX ] Routing/ABA # XXXX GOVERNMENT OBLIGATIONs REMITTANCE COUPON Pay and Pledged to the Order of : SYNCHRONY BANK without recourse Amount of Obligation : BY A NON TAX PAYER AT PAR INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of March 9, 1933 ; the act of May 12, 1933 ; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ).
Memo : Discharging of Government Obligations Beneficial Interest Holder and Citizen of the United States of America XX/XX/XXXX I have called multiple times and was told that i would need to allow ten business days for the payment to be posted but it has been past ten business days and the letters continue to poor in claiming i need to make a payment when i have tendered the payment to Synchrony bank.
i have the letters from the USPS with signatures from your agents receiving the mail.
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| 09/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The company 's name is Paypal Mastercard issued by Synchrony Bank. Phone number is XXXX. The other party is XXXX Inc I subscribed to XXXXXXXX XXXXesting out their svcs for a few months. It didn't work for me so I decided to cancel the services. In the cancellation phase, I was told that if I fully canceled all my account info would be deleted but I should take the option of pausing the billing and I could come back at any time and restart. I took that option. I didn't go back to the website after doing this pause XXXX of 2021.
I have been paying down my paypal synchrony card & noticed it was still increasing even though I was hardly using it. I decided to check my account and saw a charge in XXXX from XXXX which I had not authorized. I contacted the company after logging in to my account on their portal and seeing where they had restarted billing in XXXX of 2021. They had not notified me by email that they were doing this nor did they ever send me even one email over the course of 16 months with any billing reminders, statement, nothing at all. I had not given them authorized to restart billing me and was unaware of it. Not one email have I ever received from them over that entire period of 16 months.
I reached out to their support dept about how upset I was seeing that they had been charging me all this time without my knowledge or authorization. The first rep confirmed that she saw that I paused the account in XX/XX/2021 & never logged in or used it again after that but they don't do indefinite pausing and their system automatically started billing me again. I asked why I did not receive a notification of this as every merchant I do business with gives me that courtesy. I was told they were not required to by law.
She decided to give me a refund of 4 of the charges on XX/XX/XXXX & told me the next day upon checking with her superiors she was only able to credit me one more payment as her system would not allow her to go back and do more. She advised me to open a fraud claim with my cc provider to get the other 11 payments.
I opened a claim with paypal synchrony bank, I was transferred to their dispute department who opened a dispute and then told me the most they could help me with was 6 months, they then transferred me to the fraud department as they stated they were better able to serve me and go back as far as 2021. The fraud representative closed my card and issued me a new one and advised me that I need not worry they would ensure that I get all my payment refunded to me. I explained that the merchant had already refunded me 5 payments and I was only seeking the remaining 11 payments. By now the 5 payments from the merchant was already showing back up on credit card. A few days later paypal reversed the refunds that the merchant gave me. When I called to find out why they did that, they said it was their own provisional credit they were reversing. I complained about that not being true as the refunds were already on my account when I called them. A few days later they gave me 7 credits. A few more days later they reversed 3 of those 7 credits leaving me with 4. When I called they claimed it was because the disputed department was closing out the file and that the fraud department would take over and credit me back.
A few days later the final 4 credits I had was reversed so now I had no credits at all. I called on XX/XX/XXXX and was told that the fraud department had closed my case and sent it back to disputes as this was not considered a fraud case. I then called the disputes department and was told that they were working on it. I explained that they kept sending me numerous letters stating they were crediting me while they conducted their investigations but no credits were showing up on my account. I asked them to please put back on my account the five refunds that XXXX gave me because after all the runaround they have been given me, I felt unsafe with them, I also did not trust that they were operating in my best interests and that the disputes department told me previously that they sided with the merchant and ruled against me and this is why they refunded the merchants credit back to them.
This is when I realized I needed help from either the Better Business Bureau or the Consumer Finance Protection Bureau. Please help me.
Sincerely, XXXX XXXX XXXX & they took me all over the place between filing a dispute, reversing the 5 payments that the merchant gave me, transferring me to a fraud claim, closing it & sending it back to disputes. Basically I now have neither the 5 credits the merchant refunded me nor the other 11 payments
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| 04/27/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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Background : Credit card customer since XXXX with over 65 on-time, in-full payments month over month. Current Rewards Dollars tally = {$320.00} which can be used for clothes and purchases at Banana Republic, Old Navy, Gap, XXXX XXXX, or XXXX. These earned rewards were taken upon account closure.
XX/XX/XXXX Made monthly payment online to Synchrony Bank ( Banana Visa ) XXXX Payment was rejected after my paying institution told me that there was a small portion of funds still on hold. I did not realize that the funds were on hold and would thus impede payment. This was a surprise to me.
XX/XX/XXXX Discovered that there was a payment problem, when I saw the funds returned to my paying institution. I thought " that was odd, what happened? '' Upon discovering issue, immediately re-issued payment in full from the same account at XXXX XXXX
XX/XX/XXXX Discovered, to my surprise, that Synchrony closed the account with no prior notice given. I reached out to customer service and was told that after a 7 day hold on the XX/XX/XXXX payment, the ACCOUNT WOULD BE REOPENED.
The agent also reversed the late fee on my account as a courtesy, which posted on XX/XX/XXXX.
In order to EXPEDITE account re-opening, the agent advised taking the following steps : Fax a XXXX XXXX confirmation of the new payment to XXXX.
Include 4 digits of my Visa account number, confirm the dollar amount paid and be sure it is on XXXX XXXX letterhead, stating that the amount paid to Visa has cleared.
If I were to do this, I can use the card starting the following Monday or Tuesday of the coming week.
XX/XX/XXXX Since we are under a state-mandated quarantine, I decided against going somewhere to fax a notice and instead sent BR Visa a confirmation of the transaction on XXXX letterhead via their email inquiry page on the website inside my account. This confirmation was generated by XXXX as part of their normal notification process.
In my email, I requested and reiterated that they reopen my account immediately.
XX/XX/XXXX Received email notification of getting an additional {$100.00} in credit card rewards, bringing the total to {$320.00} in rewards dollars.
XX/XX/XXXX I received a letter in the mail ( dated XX/XX/XXXX ) giving notice that my account was closed due to " the number of dishonored payments on this account ''. Given the XX/XX/XXXX date on the letter, I better understood the action that I saw online.
XX/XX/XXXX I went online to confirm my account status since 7 days are well overdue, and see that there is a RED NOTICE saying that the account is yet closed. This surprised me since I was given verbal confirmation from the agent on XX/XX/XXXX of the fact that they would re-open my account after 7 days, after a hold and also after receiving confirmation of payment.
XX/XX/XXXX I called the 866 number on the mailed letter, and spoke with an agent about my concerns ; he put me on hold for over 16 minutes to come back and say, " my manager said we can not reopen the account '' without explanation. I then asked to speak to his manager and a 2nd agent came on to inform me that they would not open the account in spite of being verbally promised to do so on XX/XX/XXXX as stated above, AFTER a 7 day hold and/or expediting the re-open request with confirmation from my paying banking institution. This person was horrible, disregarded the length of time that I have been a customer paying on time and in-full and I was shocked at how unhelpful and callous she was, especially when so many businesses are helping customers during this time of uncertainty and pandemic.
This call ended at XXXX The second agent said the Synchrony policy is after 2 rejections within a 24 month period, their action is to close the account. Since I also had one in XX/XX/XXXX ( due to miscommunication ), they refused to re-open the account. This is also my first time hearing from ANY Synchrony communication, the rule on " 2 payment rejections in 24 months '' = account closure.
As a customer for over 5 years with 65+ on-time, in-full payments, I am appalled that I would be treated in this manner. Earned rewards dollars were stolen from me, and I was subjected to such misleading information and late/odd/disorienting communications on their decision to close my account. They should revamp their policies for customers with an obvious and glaringly apparent SOLID payment record. They should also hire better agents to assist their MOST LOYAL customers. This has been a wholly frustrating experience and has disrupted my households ability to pay for our necessities during this time.
Thank you.
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| 03/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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|
Web |
Servicemember |
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I tried to activate a Synchrony bank MasterCard the last week in XX/XX/XXXX that was a replacement card for a XXXX XXXX store card that also acts as a general purpose credit card. When I tried to activate the card, I was told via the automated activation phone # that the card would not activate and the account was closed.
I tried to call the XXXX # provided on the back of the card for customer service to find out why I could not successfully activate the card. I was unable to touch base with anyone. When I selected the option for an operator, the line would hang up on me. I tried this many times for about 30 minutes and was not successful in getting anyone.
I started calling other # s for Synchrony provided on the internet and connected with someone who told me that they didn't handle my situation. However, I finally connected with someone who could assist. The operator told me that ( I believe it was XXXX ) that there was a deadline prior to XX/XX/XXXX to activate the card. I told him it was prior to XX/XX/XXXX that I tried to activate it so why did it not activate and why did their XXXX # on the back of the card not work. ( He told me that he could not confirm when I tried to activate it. ) He could not answer my questions satisfactorily, so I asked to speak to a supervisor. I spoke with 2 supervisors, the first one whose name I do not recall ; he said that the card was a special offering from XXXX XXXX and had a limit on it. I explained that I was unaware of a timeline to activate the card and the XXXX # didn't work. He said that he was unaware of why the # wasn't working but there wasn't anything he could do about activating the card. I asked to speak to a more senior person in their hierarchy and he said there was no one, but he did transfer me over to another supervisor, XXXX. XXXX was rather rude and told me that I was not going to be able to open that account and that was the way it was. Nothing could change it. I told her about the non-working customer service phone # and she said " I'll have to look into it '' when I asked for a more senior person to speak to, she told me there was no one. I said " perhaps a V.P? '' And she said " Well, they wouldn't be interested in talking to you '' And I replied, " Really, I am a customer of your company, and your V.P. would not be interested in talking to me? Is that correct? '' At that point I decided that she was not assisting me and I told her that I needed no further assistance from her and hung up.
I immediately registered a complaint with XXXX 's problem resolution department and was contacted by XXXX twice on XX/XX/XXXX to listen to my complaint and XX/XX/XXXX to provide the follow up on it. ( He is located in South Dakota ). XXXX explained that the card would not activate, because it was a limited offer by XXXX XXXX and the time was over for it's offering but could not give me a definitive date as to when the offer had terminated or what the timeline was for the offering. He could not confirm that it was prior to XX/XX/XXXX as one of Synchrony 's operators, XXXX had told me. I told him that I tried to confirm prior to XX/XX/XXXX and I was told that my account was closed and that I had no customer service # to follow up with because the # on the back of the card was not functional. XXXX did not seem to be too concerned saying that he was unaware of that # ( I provided it to him from the back of the card ), explaining the # did not show up on any of his lists for customer service # s for Synchrony. I responded to him that I hope Synchrony didn't put a false # on back of the card in case a customer might want to question why they couldn't activate the card. He said that he went through Synchrony 's compliance department to see if my card could be activated but his request was turned down, so I could not activate the card.
This is a card that I wanted to use because it is a general purpose MasterCard. I was disappointed that I could not activate it and I feel that Synchrony deliberately misled customers as to the time limit needed to activate it and provided a false # on the back of the card so the customer could not get immediate assistance. I still feel as though this card should be re-instated for me since there was no communication about what they were doing and the limitations on it. They said they could not determine when I attempted to activate it, nor provide the timeline in which I should have activated it.
I would appreciate it if you would follow up with Synchrony about this incident.
I have other complaints about Synchrony, which I will send in as a separate incident.
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| 04/14/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX have tried to protect my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). The damages done to me under a legitimate identity theft claim in unprecedented. I am a XXXX XXXX XXXX, working XXXX XXXX raising children to believe in the American system. Yet, national banks can make moves against me as an individual for collection on debts that could have easily been made whole by filing claims through the Federal Deposit Insurance Corporation ( FDIC ). In XXXX I did everything by the book by submitting an identity claim filed with my local police department, stating that a family friend had acquired several of my credit cards, and ran them up on charges without my knowledge. Identity theft is a federal crime, 18 U.S. Code 1028A. Aggravated identity theft, see recent USA v. Soffan ( 3:19-cr-30004 ), Massachusetts District Court , Filed : XXXX. This individual received several years in federal prison as a sentence and hundreds of thousands of dollars in restitution for the same crime procured against me. Yet, the person who committed identity theft against me has never been question by a federal agent or arrested for a malicious crime where I along with my entire family has been financially harmed. The national banks on the other hand have been in a position to erase these debs against me through a claim under the Fair and Accurate Credit Transaction Act. His law was implemented in XXXX by the United States Congress as a protective means against identity theft, yet it has little effect in general. The local Soffan case is an example, identity theft is run on a rather large scale in my general region. My research has shown that each of these credit card debts went through several stages, or at least should have gone through before any legitimate collection process could begin. That criteria are as follows : 1 ) My original credit approval submitted a credit card in my name for usage in purchasing goods and services.
2 ) The line of credit was packaged into a securitization in a pooling and servicing agreement, governed through the Securities and Exchange Commission, and sold off as secured receivables through such pooling and servicing agreements, normally in the one billion dollar amounts or greater, particular securitization not researched. When any credit card went 120-days into default, then under Regulation 5000 the account is classified as sub-standard charge off status. Upon that time the receivable is reversed out of any securitized trust, WILLARD v. BANK OF AMERICA, CIVIL ACTION NO. 16-01199, and the original lending party become responsible for payment enforcement, unless the original debt is sold to a third-party under guidelines of Henson v. Santander Consumer USA, NA., whereas if that was the case then my rights under FDCPA are VOID. ( See Attached US Supreme Court Decision XXXX XXXX XXXX
3 ) All banks in my identity theft took zero action to see that the person responsible be brought to justice like Mr. Soffan. I believe that XXXX has played a major part in not protecting my rights under the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). This is not acceptable under any circumstances.
4 ) I will submit a complaint to the Massachusetts Office of Attorney General as well as the National Association for the Advancement of Colored People, https : //www.naacp.org, as I can prove that the lack of honesty in going through protocol was ignored based upon my race.
5 ) At all times since the original creditor was reassigned ownership of these debts from a securitized trust did any of the bank concerns, or collection agencies file a claim with the Federal Deposit Insurance Corporation ( FDIC ), but the same banks had no problem destroying my personal credit rating, making it impossible for me to obtain mortgage approval to buy a home in a safe neighborhood.
6 ) These debt collections must be deleted permanently from all pertinent credit reporting agencies. All securitizations are self-insured through their credit ratings, insuring a premium on each pooling agreement package that is 100 % profit to all banks packaging securitizations. I filed an identity theft claim with all national banks, and I was ignored completely. I demand the removal of theses collections, the purging of my information on file, and a cease and desist from any further collection attempt, including but no limited to calls made to my cell phone and employment.
XXXX XXXX
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| 07/26/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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This complaint is in follow up to my good faith effort to resolve this issue with Synchrony Bank/CareCredit both directly and through a XXXX complaint, filed on XX/XX/2023, Complaint ID # XXXX. I reported deceptive billing practices on my CareCredit card. I have been a longtime CareCredit consumer and have always paid my monthly payments on time and in good faith paid my promotional purchases off in advance of their due date to avoid accruing interest. I do not receive statements in the mail and utilize their online website to pay my bills. It recently came to my attention, when I thought I two promotional purchases left to pay off that the balance of my promotional purchases did not add up to the remaining balance of my credit card. When I inquired about the discrepancy, I was told I have been incurring interest on other promotional purchases that were not paid before their due date. This purchase that had been accruing interest for over a year was not made clearly visible to me, the consumer, thus making me unaware of the compounding interest that I was being indebted to CareCredit for. CareCredit intentionally hide the purchase history, only showing the two promotional purchases that were not interest bearing UNTIL this was brought to their attention in the XXXX complaint and quickly modified my visibility on XX/XX/XXXX to reflect the interest bearing purchase. This is consumer fraud to not have truth in reporting and billing. They refused to proactively settle via the XXXX and subsequently closed the complaint instead.
When asked for a clear understanding and explanation as to the discrepancy between my remaining promotional balance of XXXX and the outstanding card balance of XXXX I was provided with excuses and then a new regular charge appeared on my account as of XX/XX/XXXX which had not previously been there prior to the XXXX complaint. This billing practice is retaliatory.
Respectfully I declined the non-resolution offered by CareCredit and Synchrony Bank as a result of the XXXX Complaint. As a longtime consumer who has in good faith paid my credit card every month and has in GOOD FAITH, PROACTIVELY paid off ALL my promotional balances to date prior to the due date, I was shocked to realize that my remaining two promotional balances did not add up to my credit card balance. CareCredit only recently made modifications to my online billing statement as of XX/XX/2023 AFTER this was formerly brought to their attention via the XXXX Complaint as a retaliatory measure against me calling them out for their fraudulent billing behavior. Prior to this complaint there was NO indication that there was still a regular purchase that was accruing interest. I religiously go online to make my monthly payments and when a promotional purchases is coming due I am sure to make extra payments leading up to and request that the payments be allocated accordingly. Synchrony Bank XXXX CareCredit made changes to visibility of my billing AFTER this claim was brought forth. This is deceitful. As a consumer, I am only able to pay what I am unable to see. Withholding pertinent information because it was in their best interest to do so is financial and consume fraud. Withholding this regular purchase history from my online billing portal was in their best interest and enabled them to continue to charge me interest without transparently disclosing where the interest was coming from. Worse yet, they chose to do so, during a down economy and pandemic.
As a result of this company 's steadfast complicity with deceptive billing practices, I am following up with this formal complaint to the Consumer Financial Protection Bureau. It has been said before that, Medical debt is already a big problem for many Americans. Poor credit card transparency should not be making the problem even worse, said CFPB Director. Deferred-interest products can be risky for consumers in the best of circumstances, and todays action ensures that CareCredit will no longer profit from consumer confusion. The Bureau will not tolerate financial companies that take advantage of patients and their loved ones.
Under the Dodd-Franck Reform and Consumer Act, the Consumer Financial Protection Bureau has ( and should again ) seek the necessary authority to take action against institutions such as Synchrony Bank & CareCredit who continue to engage in unfair and deceptive practices. To ensure consumers harmed by the inadequate disclosures and deceptive enrollment processes are appropriately compensated, and that consumers are no longer subject to these unfair practices.
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| 02/07/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
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I have had an Amazon Store Card ( ASC ) issued by Synchrony Bank ( SB ) since XXXX. From XXXX until the present, I have set things up so that my bank, a subsidiary of XXXX XXXX ( XXXX ), through a service called XXXX, directly receives my monthly ASC bill and is instructed to automatically pay SB the full amount due on my ASC, thus reducing my account balance to XXXX each month. This arrangement has been in place since XXXX and has never been changed. The arrangement worked as intended from XXXX until XX/XX/XXXX, when SB, without my knowledge or consent, began to deduct only the 'minimum amount due ' ( as specified on my monthly ASC bills ) each month. As a result, an unpaid balance began to build up in my ASC account, on which SB charged interest, per the cardholder agreement, at APRs of up to 25.99 %. I have had credit cards for over 40 years and never carried an unpaid balance or accrued interest charges ; I have certainly never instructed an issuer to only be paid the 'minimum amount due ' ; at all times I kept sufficient funds in my XXXX account, at ultra-low interest rates, to cover any possible balance on my ASC and other monthly bills. Having automated the payments on my ASC, I did not detect SB 's unauthorized actions until early XX/XX/XXXX, when I first complained to SB about the matter. XXXX informed me that XXXX is a third-party provider, and that XXXX allows payees like SB to decide how to interpret my instructions and determine how much they will deduct from my account ; since SB has not disputed this information in four months worth of phone calls and correspondence, it is clear that SB ( rather than XXXX or XXXX XXXX made the decision to switch from deducting the full amount each month to deducting only the 'minimum amount due '. SB also does not contend that I changed my long-standing instructions or agreed to such a change. In fact, SB does not contend anything at all, since in those four months of contact they have not offered any explanation for their actions or, indeed, made any substantive response at all. SB has been thoroughly unresponsive and evasive, resisting providing me access to a complete set of my account statements ( so I could determine what happened and when, and calculate how much interest they had charged ) and, when pressed, sending almost comically irrelevant form letters that revealed a complete unwillingness to investigate the facts and discuss the substance of my complaint. As soon as I obtained a complete set of statements I calculated the total amount of disputed interest and promptly paid my entire balance less that amount ; since then, I have made timely payment for all purchases while withholding the amount of disputed interest. Although Amazon ( not SB ) has left me a series of voicemail messages confirming that, while they are investigating my complaint, I will not be obligated to pay interest, SB has added an interest charge to each monthly bill. As of today 's date ( XX/XX/XXXX ) I calculate that SB has added {$740.00} in unauthorized interest to my account ; although ASC offers a 5 % discount on Amazon purchases, the unauthorized interest far exceeds the value of that discount from XXXX to the present. As a customer, I feel that SB has wronged me, first by unilaterally and without notice or consent disregarding my long-standing instructions to fully deduct my bill each month, and then by refusing to engage with the substance of my complaint for a period which has now reached four months. As an attorney, I contend that SB has breached its contract with me, which consisted of my long-standing instructions and a consistent course of dealing implementing those instructions for a period of over four years. This breach of contract resulted in substantial potential financial benefit to SB in the form of APRs of up to 25.99 % ; it is worth noting that, since I have a high credit score, SB must have known that it ran no risk by trying to convert my 'full payment ' arrangement into something that gave SB what amounted into an option to defer collection and charge interest on the amount deferred. Naturally I have no idea whether SB singled me out for this special treatment or did the same thing to others, but I do remember that, in the not-too-distant past, SB ( formerly GE Capital ) paid a {$220.00} XXXX settlement to the CFPB in a case involving deceptive credit card practices. I have exhausted myself trying to engage SB about this matter, and I hope that the CFPB will be able to step in and force SB to undo the mess that they themselves unilaterally created.
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| 07/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/2020 I my dentist told me a new upper denture would cost {$1800.00}. So I asked if he had any type of payment plan and his receptionist told me to apply for a Care Credit card and they offered a 12 month same as cash option. She said a lot of the dentist 's patients used it so as soon as I hung up the phone, I went on line and filled out the application for the Care Credit Card.
After I filled out the entire application I was told I needed to call them at XXXX so I printed out that paper and called the number. The person who answered the phone told me I needed to go to " XXXX '' and would need to submit a video of me holding my driver 's license. He said I could black out my license number but they needed this for them to verify who I was.
I told the Care Credit Card rep that I had recently refinanced my house and purchased a new XXXX pickup truck and my credit rating was very good. He said that didn't matter and I needed to supply them with my picture to verify my identity. I told the rep that was crazy and said I'd pay for it out of pocket.
I then got thinking that possibly someone had stolen my identity so I immediately went to all three credit reporting agencies and down loaded my credit reports. Everything on them was as it should be and there was nothing out of the ordinary. So, the next day, I decided to call each credit reporting agency and talk to a rep from each company. When I told each of them Care Credits request that I send them a video of me holding my drivers license, all three people told me NOT to do it and said they could see no reason for me to be denied the card. So, I decided I'd let it go and pay out of pocket for my dentures.
Then on XX/XX/2020 I received a letter from Synchrony Bank who is the parent company of Care Credit. The letter thanked me for my recent application and said in order to finalize my application I needed to call XXXX. When I called the number a rep from Synchrony Bank said she'd have to transfer me to the Care Credit rep, XXXX but before she did that I asked her why they needed a picture of me and she said it was for my protection. When I talked to XXXX at Care Credit, he said the same thing and I told him I wasn't sending a video of me to them and I was done with them.
I thought that would be the last I'd hear from them but on XX/XX/2020 Synchrony Bank emailed me a letter stating their agents had checked multiple data bases that contained my social security number, address, and phone number and had also checked my credit reports again too, and none of that information proved to them I was who I said I was. My wife were both dumbfounded but, knowing I had recently talked to the reps from all three credit reporting agencies, I said I was satisfied that no one had stolen my identity and couldn't figure out why Synchrony Bank couldn't figure out who I was.
Move on to XX/XX/2020 when my wife and I went shopping at XXXX XXXX XXXX in XXXX, XXXX At the check out the cashier said we could save {$45.00} off of our bill if we signed up for a XXXX XXXX XXXX Master Card. Knowing the issue I had with Care Credit, I told them OK and signed up for one. I was IMMEDIATELY approved for the card and the cashier said I'd be receiving the card in the mail in about a week.
Sure enough, on XX/XX/2020, I received my new XXXX XXXX XXXX XXXX XXXX with a very high credit limit on it. When I called to confirm the card, there was no issues what so ever. BUT, the really odd thing about that is the company who approved me for the XXXX XXXX XXXX Master Card is SYNCHRONY BANK who had emailed me a letter on XX/XX/2020 stating after all of their research they couldn't verify I was who I said I was when I applied for a Care Credit Card.
I was going to leave it all go until I attended a graduation party for my nephew on Saturday, XX/XX/2020. I told a few people at the party the problems I had trying to get a Care Credit Card and 3 of the people I talked to had Care Credit Cards and NONE of them had to submit their picture to receive the card. They said they filled out the online application and were approved immediately.
They also said I should contact you folks and get this ironed out because something like this could affect my excellent credit rating in the future.
So, that brings me to filing this complaint today against Synchrony Bank, who said in a letter they emailed to me on XX/XX/2020 they can't verify my identity to get a Care Credit card but on XX/XX/2020 verified my new XXXX XXXX XXXX Master Card when I called the number provided to activate the card.
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| 07/23/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing to file a formal complaint regarding the fraudulent charges and the subsequent mishandling of my case on my Lowes Consumer Credit Card, managed by Synchrony Bank. I have made numerous attempts to resolve this matter, but unfortunately, I have encountered significant delays and unsatisfactory responses from your customer service representatives. I hope that by detailing the events that occurred, you can better understand my frustration and help bring about a prompt and fair resolution to this matter.
On XX/XX/2023, I received a text alert notifying me of fraudulent activity on my credit card. Immediately, I confirmed that I did not authorize these charges and received a call from Synchrony Bank 's representative. The fraudulent charges were as follows : 1.XX/XX/2023 : - 4 charges in small amounts under {$100.00} - {$2000.00} - {$860.00} - {$210.00} - {$640.00} Synchrony Bank, to their credit, did credit my account for these unauthorized purchases. However, the ordeal did not end there. On XX/XX/2023, four more charges were placed on the account, totaling : 2. XX/XX/2023 : - {$1000.00} - {$1900.00} - {$2000.00} - {$1000.00} Once again, these fraudulent purchases were made at various Lowes stores throughout Texas, and they were all for gift cards. I was assured by the Synchrony representative that these new charges would be addressed by the fraud division, considering they were aware of the initial fraudulent charges on XX/XX/XXXX. As a solution, they offered to close the existing account and open a new one.
Regrettably, this only led to further issues and delays. My previous balance of {$4000.00}, for which I had been making monthly interest-free payments for 12 months, was rolled over to the new card along with the four additional fraudulent charges made on XX/XX/23. The old card was canceled on XX/XX/2023, and the new card was activated on XX/XX/2023.
After receiving a letter stating that the fraudulent charges were under review, I diligently followed up on multiple occasions with your customer service department to inquire about the status of the investigation. The dates and responses I received are as follows : - XX/XX/23 : Contacted customer service to ensure the complaint was registered.
- XX/XX/23 : Inquired about the status and was told to wait 15 more days.
- XX/XX/23 : Called again and received the same response, requested to note each call.
- XX/XX/23 : Made another inquiry, and the response remained unchanged.
- XX/XX/23 : Received an email stating that the fraudulent claim was approved, and I would receive a credit within 10 business days.
- XX/XX/23 : Called to inquire about the credit not being received, discovered my account was locked, but the representative provided a code to request an unlock.
- XX/XX/23( later ) : Called again with the code and spoke to a female representative, who couldn't unlock the account and insisted on closing it and issuing a new card.
This constant back-and-forth and miscommunication have caused me an enormous amount of frustration and wasted time. I genuinely believe that this entire issue could have been resolved much earlier if proper attention had been given to my case.
Moreover, despite the assurance that the fraudulent charges were approved for credit, I have been charged interest fees on these unauthorized transactions, totaling {$130.00} in my XX/XX/XXXX statement, {$130.00} in my XX/XX/XXXX statement, and an additional {$200.00} balance transfer fee on XX/XX/23, which I have no knowledge of.
I kindly request that you thoroughly review my account 's history, including call logs and correspondence, to understand the inconvenience and distress this situation has caused. My primary resolution remains the same : I expect my account to be credited for the four fraudulent charges made on XX/XX/23, along with the interest payments and the {$200.00} balance transfer fee.
I hope that you will handle this matter with urgency and transparency and take appropriate steps to rectify the situation promptly. I have been patient and cooperative throughout this ordeal, and I expect the same level of commitment from your end in resolving this matter.
I kindly request a written response within 14 days of receiving this letter, confirming that my account has been credited appropriately and explaining the actions taken to prevent such issues in the future.
Thank you for your attention to this matter. I trust that you will address my concerns promptly and restore my faith in Lowes Consumer Credit Card 's customer service.
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| 07/14/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I AM THE VICTIM OF THEFT BY PEOPLE THAT I ALLOWED INTO MY HOME TO CLEAN. THE THIEVES STOLE AND USED MY WALMART MASTERCARD ACCOUNT ENDING : XXXX, AND MADE A PURCHASE IN THE AMOUNT {$150.00} FOR WHICH I FILED A FRAUD CLAIM IN XXXX 2017, WHICH WALMART DENIED STATING THAT : " CUSTOMER BENEFITED FROM USE OF CARD/PARTICIPATED IN THE PURCHASES. '' I CONTACTED WALMART FRAUD DEPT. AND ASKED WHAT THIS REASON THEY CITED MEANT, AND WAS INFORMED THAT : " YOU MADE THE PURCHASE BECAUSE YOUR PIN NUMBER WAS USED. '' THAT IS WHEN I LEARNED THAT THE THIEVES HAD ALSO STOLEN MY PERSONAL DIARY WHICH THEY ALSO HAD ACCESS TO BECAUSE IT WAS IN THE SAME LOCATION AS MY WALLET. I ALWAYS KEEP MY WALLET AND MY PERSONAL DIARY IN THE BACK OF MY TOP NIGHTSTAND DRAWER IN MY MASTER BEDROOM, WHICH THE THIEVES RUMMAGED THROUGH, WHEN THEY WERE SUPPOSED TO BE CLEANING MY HOME, TO STEAL, AND USE MY CREDIT CARDS AND GAIN ACCESS TO ALL OF MY PERSONAL INFORMATION. ONCE I REALIZED THAT THE THIEVES HAD MY IMPORTANT, PERSONAL, VALUABLE INFORMATION, I PLACED A " FRAUD ALERT '' TO ALL OF THE CREDIT REPORTING AGENCIES, AS WELL AS, FLAGGING MY BANK ACCOUNTS, AND OTHER CREDIT CARD COMPANIES BECAUSE MY DIARY CONTAINS : MY SOCIAL SECURITY CARD, ALL OF MY BANKING ACCOUNT NUMBERS AND BANK ACCOUNT INFORMATION, MY ATM PIN NUMBERS, ALL OF MY CREDIT CARD PIN NUMBERS, MY HOME ALARM CODE AND PASSWORD, MY CAR LOAN ACCOUNT INFORMATION AND PIN NUMBER, MY GRANDCHILDRENS SOCIAL SECURITY NUMBERS -- ALL OF MY IMPORTANT, VALUABLE INFORMATION ; WHICH I EXPLAINED TO WALMART 'S FRAUD DEPT. I FILED A SECOND FRAUD CLAIM WHICH WALMART ALSO DENIED STATING : " WE DID NOT IDENTIFY ANY UNAUTHORIZED PURCHASES APPLIED TO THE ACCOUNT. '' I EXPLAINED OVER AND OVER TO WALMART THAT I DID NOT MAKE THIS PURCHASE NOR DID I AUTHORIZE ANYONE TO USE MY CREDIT CARD ( S ) BUT WALMART WANTS TO HOLD ME RESPONSIBLE FOR THIS CHARGE.
I BELIEVE THAT WALMART IS DECEITFUL IN THEIR SO-CALLED INVESTIGATION INTO THIS PURCHASE THAT I DID NOT MAKE OR AUTHORIZE TO BE MADE. I STATED TO WALMART THAT IT CAN EASILY BE PROVEN THAT I DID NOT MAKE THIS PURCHASE. THE PERSON THAT STOLE AND USED MY WALMART MASTERCARD HAD TO SIGN FOR THIS PURCHASE. IT CAN EASILY BE PROVEN THAT I DID NOT MAKE THIS PURCHASE. ALL THAT NEEDS TO BE DONE IS TO RETRIEVE THE SIGNATURE FOR THIS PURCHASE AND MATCH THE SIGNATURE TO MY SIGNATURE, THE SIGNATURES WILL NOT MATCH, AND IT WILL PROVE THAT I DID NOT MAKE THIS PURCHASE BECAUSE THE SIGNATURE FOR THIS PURCHASE WILL NOT MATCH MY SIGNATURE. WALMART 'S INVESTIGATOR INFORMED ME THAT THE PURCHASE DID NOT HAVE TO BE SIGNED FOR. NOT TRUE! NOT TRUE! NOT TRUE! I KNOW FOR A FACT, THAT, WHENEVER YOU MAKE A PURCHASE USING THE CHIP READER, YOUR SIGNATURE IS REQUIRED BEFORE THE CHIP READER WILL RELEASE YOUR CREDIT CARD. THE PURCHASE CAN NOT BE COMPLETED UNTIL AFTER THE REQUIRED SIGNATURE HAS BEEN OBTAINED.
I BELIEVE THAT WALMART IS USING DECEITFUL AND UNFAIR CREDIT PRACTICES. I DID NOT MAKE THIS PURCHASE, I DID NOT AUTHORIZE THIS PURCHASE, I DID NOT SIGN FOR THIS PURCHASE, AND I AM NOT RESPONSIBLE FOR THIS PURCHASE. I ALWAYS PAY MY BILLS AS AGREED. I ALWAYS PAY FOR MY PURCHASES WITHIN THIRTY ( 30 ) DAYS, THEREFORE, WALMART IS UNABLE TO ACCESS INTEREST. I BELIEVE THAT WALMART IS TRYING TO HOLD ME RESPONSIBLE FOR THIS PURCHASE THAT I DID NOT MAKE OUT OF " GREED '' BECAUSE WALMART IS TRYING TO CHARGE ME INTEREST, BECAUSE IT HAS NEVER BEEN ABLE TO ACCESS INTEREST BECAUSE I ALWAYS PAY AS AGREED AND BEFORE ANY INTEREST CAN ACCRUE.
I AM AN HONEST PERSON. I PAY MY BILLS ON TIME. I DID NOT MAKE THIS PURCHASE, AND I AM NOT RESPONSIBLE TO PAY FOR A PURCHASE THAT I DID NOT MAKE. I DESPERATELY WANT TO SEE THE SIGNATURE FOR THIS PURCHASE. I KNOW THAT IT IS NOT MY SIGNATURE BECAUSE I DID NOT MAKE THIS PURCHASE. I DEMAND TO SEE THE SIGNATURE FOR THIS PURCHASE. I CAN PROMISE THAT IT IS NOT MY SIGNATURE!
I REQUEST THAT THE CFPB INVESTIGATE WALMART 'S DECEITFUL AND UNFAIR CREDIT PRACTICES, OBTAIN THE SIGNATURE FROM THE MERCHANT WHERE THE ABOVE-REFERENCED PURCHASE WAS MADE, WHICH WILL PROVE THAT I DID NOT DO THIS, AND THAT I AM NOT RESPONSIBLE FOR THIS PURCHASE. I ALSO WANT THE CFPB TO PUBLISH THIS DESCRIPTION SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. I AM TRUSTWORTHY. CONSUMERS NEED TO BE MADE AWARE THAT WALMART IS NOT TRUSTWORTHY, AND THAT WALMART WILL TRY TO MAKE INNOCENT PEOPLE LIKE ME AND THEM PAY FOR A PURCHASE OR PURCHASES THAT THEY DID NOT MAKE AND ARE NOT RESPONSIBLE FOR BECAUSE WALMART IS SO GREEDY, IT WILL TRY TO ACCESS INTEREST EVEN WHEN A CUSTOMER DOES NOT OWE IT.
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| 05/13/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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Synchrony Bank/ Paypal Credit / Paypal After a solicitation from Paypal I opened a credit account with Paypal Credit in XX/XX/XXXX The credit account is managed for Paypal by Synchrony Bank Among other special offers, the account offers 6 months free interest for purchases of {$99.00} or more Occasionally, Paypal ( and not specifically Paypal Credit ) emails offers for 12 or 24 months of easy payments allowing for 12 or 24 months of payments for purchases on XXXX or elsewhere.
In XXXX of XXXX I made three large purchases on eBay in response to the easy-pay promotion totaling approximately {$950.00} with 12 monthly installments totaling approximately {$79.00}, and expiring on XX/XX/XXXX.
After several statement cycles I noticed that my payments were not going to pay down regular balances or 6 month interest free balances, but were paying down the installments all at once, so that by XX/XX/XXXX there were only 3-4 payments left on the 12 month installment plan when there should have been 8 left thorough XXXX.
By XX/XX/XXXX there were 0 installments left, the balances were XXXX, and all my payments had been incorrectly allocated to the installments.
On XX/XX/XXXX I used the easy payment program again, to purchase an auto part on XXXX for {$880.00} with 24 easy-payments of {$36.00} ending in XX/XX/XXXX.
Thus began a series of 30+ minute calls to customer service at Synchrony Bank/Paypal Credit.
I called once or twice a month to try and correct the continuous cycle of misapplied payments, often spending 30 minutes or more on the phone.
They stated that to have the payments allocated correctly I needed to call in each time I made a payment and that it would take 1-2 payment cycles to correct their errors and that their system was not capable of handling the easy pay installment payments automatically.
I looked into Synchrony Bank/ Paypal Credit thinking perhaps they were a small bank that didnt have an sophisticated IT infrastructure. What I found was that they were one of the larger credit card lenders in the US, with billions of dollars of issued credit cards.
They recommend that when I call I request US-based customer service which added significantly to the already lengthy time on the phone.
Each time I waited a month or more to see the corrections, and the installments were never properly reinstated.
I have logged many of the calls, and have statements and screen shots showing the dwindling installments.
At XX/XX/XXXX, there were only 9 installments left to be paid of the XX/XX/XXXX 24 month plan, when only 3 installments should have been paid. The original 12 month installment plan was paid off in full, when there should have been 4 payments left.
Synchrony Bank/ Paypal Credit had misapplied approximately several hundred dollars in payments to the installment balances.
I called again on XX/XX/XXXX and spent 1 hour and 5 minutes on the phone attempting to get the payments correctly reallocated.
After escalating the call to a manager, I was told that the 12 month installments left ( approximately {$75.00} x 4 installments or {$300.00} ) could not be corrected since it was already paid off.
They stated that they had put in the request to correct the 24 month installment plan for over {$400.00} worth of payments ( or 11 misapplied payments ).
On XX/XX/XXXX, after the the statement cycle ended, I logged in to find that the 24 month installment easy-pay ( ending XX/XX/XXXX ) had been paid in full.
I can not spend hours more on the phone with Synchrony Bank/ Paypal Credit getting absolutely nowhere.
Synchrony Bank/ Paypal Credit ( fraudulently ) induced me to make purchases using their credit platform with an offer ( essentially a contract ) promising installments, knowing their systems could not properly apply the payments, and despite repeated requests and communications did not honor the installment contract.
I have had to make large payments against the account to satisfy early expiring obligations, because payments were mis-allocated to pay off installments.
I feel defrauded by Synchrony Bank/ Paypal Credit .
Synchrony Bank/ Paypal Credit should be responsible for maintaining an infrastructure that allows for the fair application of payments made and this should not require multiple unsuccessful phone calls and corrections after the fact. Certainly when the corrections do not get applied.
I appreciate any assistance and attention to help resolve this matter.
-- the statements and screen shots have personal information, but will be provided upon request
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| 06/01/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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Back in XX/XX/XXXX my daughter needed some XXXXl services. I applied for a XXXX XXXX Care Credit and the credit card was granted on XX/XX/XXXX, so I paid my child XXXXl service with the new XXXX XXXX Care Credit card.
The first payment was scheduled on XX/XX/XXXX, unfortunately I did not receive a bill with the payment phone number or the payment address to send a payment, so almost at the end of the month decided to call and ask the best way to process my first payment, the XXXX XXXX Care Credit representative told me that I needed the account number to make the payment, number that in the time of the call I unknown, for their security reason she couldnt gave me the account number, so the best was XXXX XXXX send me the bill to my mailing address and then process the payment. Until XX/XX/XXXX I received my first bill from XXXX XXXX Care Credit, it was the XX/XX/XXXX bill with the payment information, STETEMENT WITH CLOSING DATE OF XX/XX/XXXX, PAYMENT DUE DATE of XX/XX/XXXX, and a MINIMUM PAYMENT DUE OF {$190.00} Dollars.
On XX/XX/XXXX I paid {$100.00} dollars to XXXX XXXX Care Credit over the phone, and in XX/XX/XXXX I paid another {$100.00} dollars online, so the minimum payment was covered before the due date.
Come XX/XX/XXXX, I tried to process the monthly payment over the phone, XXXX XXXX Care Credit refused to accept my payment because they had the suspicion that I applied for bankruptcy, I informed to the representative that it was not the case and I will continue with my payments in time before the due date, the representative refused to accept the payment. In a second call before the XXXX payment due date I called to the XXXX XXXX Care Credit to check if they cleared the information and if I could process my payment, again the representative refused to accept the payment and this time I was informed the account was sent to the collection department, even when my previous payments were paid in time and I was trying to pay the third month. I tried to get the recovery or collection department phone number to stop the collection work, but the representatives told me I cant contact or make a payment because they were updating the account to the collection department and they will contact to me, I told several times to the representative that I was in the position to continue with regular payments and continue with the original credit card agreement, but they refused to give me a solution to stop the collection process. After several calls I gave up making my XX/XX/XXXX payment because the continually refused to accept it.
Months went by and never did we receive another phone call or notice or some documentations or letter in regards this debt.
The XXXX XXXX Care Credit sold my account to a collection agency named XXXX XXXXXXXX XXXX XXXX. XXXX XXXX hired a Law Office to collect this debt, on XX/XX/XXXX they sent me a paper work of the account and I discovered the details that make this illegal collection.
Originally the payment schedule was : 1rst minimum payment of {$98.00} before XX/XX/XXXX 2nd minimum payment of {$98.00} before XX/XX/XXXX 3rd minimum payment of {$98.00} before XX/XX/XXXX. And continuing every XXXX of the month until the balance be paid in full.
But as I said the first bill was lost in the mail or just XXXX XXXX Care Credit never sent out, So the 1rst payment was paid on XX/XX/XXXX over the phone, the second payment was paid on XX/XX/XXXX, On XX/XX/XXXX the first and the second payment were covered before the second payment due date. On the third payment it was not possible to process because on XX/XX/XXXX2016 XXXX XXXX/Care Credit sold the account to the collection agency XXXX XXXX XXXX XXXX, even before the third payment due date -remember the due date is the XXXX of each month-, that should be the real reason why the did not accept my payment because they sold the account to a collection agency before the account was a charge-off, but the account was not a charge off because I paid the first and the second minimum payments before the due date of the second payment. XXXX XXXX/Care Credit excused in I was applied for a bankruptcy but that is a lie, the true is they sold an account to a debt buyer before the account was a charge off.
Now XXXX XXXX XXXX XXXX ( debt buyer ) hired a law office -XXXX XXXX XXXX- the law office is attempting to suit me for this debt, a debt the I never refused to pay ( the original creditor refuses to accept the payment ) I want to pay in the original terms stipulated with the original creditor.
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| 08/17/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The creditor 's 3rd party debt collector agreed to delete the account and remove it from the credit report on XX/XX/XXXX, as part of the settlement. HSN further agreed to delete the account on XXXX XXXX XXXX, and XXXX. I have filed complaints against the bank with the XXXX XXXX XXXX, Ohio Secretary of State, SEC, and the FTC.
HSN and their 3rd party credit collectors made fraudulent misrepresentation is a statement that the debt collectors made knowing it was false or that they made recklessly to induce the other party to enter a contrary in order to settle the account in violation of the Fair Debt Collection Practices Act 807. False or misleading representations debt collector may not use any fraudulent, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
(
11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are a legal process.
( 14 ) The use of any business, company, or organization name other than the actual name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 USC 1692f I request the removal of any reference to this debt from my credit report and the complete removal and full debt settlement as agreed to on XX/XX/XXXX. The creditor 's 3rd party debt collector agreed to delete the account and remove it from the credit report on XXXX XXXX XXXX, as part of the settlement. They fraudulent misrepresented their position per 807 FDCPA.
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| 05/24/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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On XXXX XXXX I went to XXXX XXXX and purchased some beds. I was unhappy with the purchase and was promised that if the price went down within 60 days or I was unhappy, I could return it. The salesman lied to me. I have a bed that I purposely bought to help with my health and have had two XXXX XXXX in the last five years. I am on XXXX and have tried everything to purposely help my back to get better. To spend so much on a bed is a lot to have issues!!!! I also paid money out of if pocket on another card to XXXX XXXX. The warranties are void and the beds are all so uncomfortable. I purposely went here due to the return policy and money back guarantee and price protection if anything went down in 60 days. Well, XXXX XXXX declared bankruptcy on XX/XX/XXXX or XXXX of 2020. I immediately called the store and went up there with no success. Then the stores decided to close completely due to covid and do not answer any phones. It was all over the internet and TV in Michigan as XXXX XXXX used to be a great business until it was sold off a few years ago. They did decide to open back up in XXXX of 2020 and had a liquidation sale. I was promised that I would get 60 days and price protection as well in the 60 days if the prices went down or a refund if I was unhappy with the beds. I have tried to dispute this with synchrony bank numerous times and was promised that I did not need to send in paper work or make a payment while this was in dispute. They said all the late charges would be refunded. I even tried to make payments so my credit would not get messed up due to the dispute but they would always cancel me payment since it was in full dispute. I have late charges on there and they finally gave me two letters. One that I received was not even mine. It was another customers with their personal information on it mailed and addressed to me!!! Then, they gave me a letter and said I can no longer dispute this and that I was o to getting the {$700.00} fromXXXX XXXX in their favor. I called them and asked what number are you calling for XXXX XXXX as I would like to call them. They said to XXXX it. The number does not work. They have totally given me the run around from a store that they provided service from and self me someone elses information!!!! So back to XXXX XXXX opening back up. I went in there, got photos of the items I purchased and proof of the price going down. They had commercial. They then opened up under XXXX XXXX which is now also filing bankruptcy. Nobody has helped me and I am stuck with a {$10000.00} bed with a giant gap in it that is not comfortable at all!!!! I even have auto pay set up with synchrony bank and they still will not remove the late charges. I was transferred to five different people and finally the woman was very rude and she said that I did get the letter. Well I did not get in time due to the mail being delayed and was charged another late fee. She said we already removed late fees for you. It is the law and they promised me I was going to reimbursed for all the late fees while in dispute. No, I literally had to call every single month and be transferred all over the place and was given so many wrong numbers from multiple representatives at Synchrony Bank. Nobody ever could do it and you have to wait until the dispute is closed I was told every single time. I have proof of the beds being uncomfortable, the prices going down during the liquidation sale when they did open up briefly and proof of this giant gap in the bed. I have bought aftermarket products that do not work to get the crack out which is a 6 inch gap or more. Its not my fault the salesman lied to me and that they filed bankruptcy. I have to go and buy a new bed again through sleep number so I dont have the gap and spend another $ {$10000.00}. I have turned this in on here before and nothing happened. Nobody ever called me or wrote me or anything. So, I am asking what can I do to get my money back due to the promise bing broken since they filed bankruptcy and Synchrony Bank will absolutely not help me at all??? I am going to attach all the proof including if it will allow me the latest commercial I got of the XXXX XXXX filing bankruptcy and everything must go with no prices denied. I really need help and want to sleep. Its literally impossible on this bed yet I can just go out and purchase other ones with this still having all this money owed on it. Please call, text, or email me back. Ok I am looking forward to collaborating wit you to get this issue resolved once and for all.
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| 03/20/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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|
Web |
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Ive been an XXXX store card holder since XX/XX/XXXX. Ive always been enrolled in auto-payment and have a tendency to practically pay the card off annually after receiving my tax refund at the beginning of the calendar year. In an effort to do so this year, the extra payment ended up being returned because my tax refund was unable to be direct deposited on XX/XX/XXXX as initially estimated by the IRS.gov refund status tool. I thought I had cancelled the payment, but according to Syncrony Bank, I didnt. Synchrony Bank, which offers and services the XXXX Store Card returned the payment and I was charged the corresponding fee through my bank. No issue on that front.
My complaint is focused around what happened as a result of that returned payment. Synchrony Bank closed my account. I did not receive any notification from the institution and attempted to order from XXXX on Sunday, XX/XX/XXXX. I received notifications from XXXX on the days that followed that my payment was rejected. That seemed odd to me considering that Id made a large, extra payment on the account over the weekend ( payment of XXXX applied XX/XX/XXXX ), and I was no where close to my limit of {$3000.00}. I attempted to rectify the issue on XXXX the evening of XX/XX/XXXX by reselecting the same card. A few minutes later I received another e-mail notification from XXXX that there was a problem. So I contacted Synchrony. They informed that they have a policy of auto-closing accounts that have 2 returned payments. I inquired about when the 1st returned payment occurred. The customer service rep indicated it was in XXXX. I asked if there was any possible way to re-open the account. I was told no, but that I could open a new account. I indicated that I did not want to do that considering that a new account would result in a hard pull on my credit and reduce the average age of my credit accounts. Both of which would have a negative impact on my credit score. I also asked if it mattered that the recent payment that was rejected was an extra payment, and wasnt a normal minimum payment that would result in my account being overdue. I was told it didnt matter. The associate offered to escalate to a supervisor upon my mention of the negative impact to my credit score if I opened a new account. While I was on hold I began researching the validity of the returned payment in XXXX which had been indicated as the first qualifying returned payment. I couldnt remember a late and/or returned payment in recent memory. Sure enough, there was no returned payment fee corresponding to my XXXX XXXX Store Card payment that appeared on my bank statement or my store card statement.
When the next individual greeted me, she indicated that the 2nd payment had been in XXXX. I noted the discrepancy in comparison to the first representative. The supervisor responded that she mightve been confusing the dates, and that she was going to look into it further. Upon doing so I asked her similar questions about my account being up to date and that the return was a failed attempt at an extra payment due to the timing issue of my tax refund. Additionally, I indicated that I had never received notification in XXXX or XXXX pertaining to the 1st alleged returned payment nor for the account closure which apparently occurred on XX/XX/XXXX ( more than a week ago from today, XX/XX/XXXX ).
The supervisor then indicated that the first returned payment was actually from XX/XX/XXXX. Almost 2 years ago. My account has been in good standing that entire time and I never received a notice even then that a 2nd returned payment would result in my account being closed. I asked the representative if there was a time limit on when the 2 returned payment account closure policy applied to. She then indicated that it was a 2 year window. Im not even able to access my account statements back that far on my XXXX Store Card account. It doesnt seem fair that they can dig back that far to close my account limiting my average account age without allowing me to see the documentation to support their claim.
Overall, this practice seems unfair, deceptive, and manipulative as a sales tactic to get customers to open new accounts when their prior accounts may continue to accrue interest despite being closed against their will. It negatively impacts uneducated consumers that may be unaware of the impacts that newly opened accounts can have on their credit history, and completely disregards hard working individuals who keep their credit accounts current.
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| 06/27/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
Older American |
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I received an emailed letter on XX/XX/XXXX from Lowes that my XX/XX/XXXX {$30.00} payment had been denied. ( However, that letter ended up in my " spam '' file, so I didn't see it until XX/XX/XXXX, so I immediately made a {$40.00} payment and started to investigate. I was stunned. I called Lowes customer service, basically to get frustrated for a sundry of reasons : A poor connection due to the head set of the rep. I spoke to overseas, an answer that had no explanation, and I hung up in frustration. Then I got a message from XXXX XXXX that the account had been closed. I then went through another frustrating " session, '' asked for a manager, who told me that " when a customer 's payments are returned twice in 12 months, account is closed. '' Again, I checked my bank account. ( Somewhere along the way I had also made a {$50.00} online payment that also was " reversed, '' " returned, '' or whatever the nomenclature was that was used. ) I had ten times the amount of those payments in my account and could not find any payment being presented to my bank from Lowes. This led to me calling AGAIN ( keep in mind that every number I call leads to the same call center. Also, I have at least 3 accounts with Synchrony, the bank that funds Lowes ; and I have never had a problem or a late payment. And I make all my payments from same bank account online. ) I made another call, albeit futile, to customer service and was now told that payments made on XX/XX/XXXX and XXXX were returned due to " Stop Payments. '' I explained what a " Stop Payment '' is to rep., and asked if they are sure that these payments didn't go through due to a " Stop Payment, '' as this was contrary to the information I had received previously, and all they could say was " Stop Payment. '' After giving a phone payment ( which went through with no problem ) and continuing to get nowhere regarding how to resolve this problem, I asked for an address, email address, etc., to present documentation from my bank so that Lowes could correct THEIR mistake as my bank and I did NOTHING wrong. I also couldn't check my Lowes account online to reinsert my bank information in case there was an error on account number, etc. Although since I had the account for many months, my bank info. never changed, and up until this point all payments went through fine, the option to check my information on my account was no longer available. I am unable to retrieve any information on account other than to key in " make payment '' and " payment amount '' ( showing last 4 digits of my checking account. ) ( Did someone key in the wrong " code '' when posting my payment or incorrect account number when getting payments back? I don't have any idea, but it's not due to anything MY BANK OR I DID! ) Finally, on XX/XX/XXXX I spent {$14.00} to fax to the number given to me for " Payment Research Department '' documentation from my bank explaining ( first, regarding what I was told problem was about returned or denied payments ) that payments were never presented and there was plenty of funds on those dates to cover said payments, then I reached out to my bank to please document the fact that a " Stop Payment '' was never placed on Lowes Synchrony, and THERE WERE NEVER PAYMENTS PRESENTED TO MY BANK. Yesterday, XX/XX/XXXX, I took a deep breath and called Lowes Customer Service AGAIN to find out if there was any " movement '' or status on their end since I had faxed my documentation a week prior. I spoke to someone who was more helpful than the previous reps I had spoken to, however ; other than telling me that I was given an incorrect fax number ( she figured out after at least XXXX minutes ) so XXXX knows where all my documentation went last week ) and that there was nothing stating that anything new had happened on my account ( I'm paraphrasing ) and that " she takes calls like mine all the time ; adding that many customers are frustrated for the same reasons I am of getting their accounts closed for no fault of theirs ', and it is impossible to straighten out ; '' and also that " they too have more than one Synchrony account and Lowes is the only one they have problems with ... '' ( I am paraphrasing, but almost verbatim. ) To summarize, my hands are absolutely tied because the Synchrony/Lowes company is not only inept, but there are absolutely no " mechanisms '' for customers to resolve anything. Every phone number leads to an untrained, inept, call center who can't even give proper addresses to send important documentation to.
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| 02/25/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I had a Qcard with QVC I bought an item and paid for it in full on my Qcard. I have copies of my payments and spoke with Synchrony Bank of Qcard and they said my balance for the items were paid in fill nothing is owed to QVC, this was on XX/XX/XXXX and my account was closed. I never heard anything further from Qcard or QVC, nothing in the mail or anything until On XX/XX/XXXX I received a collections bill for {$98.00} from XXXX XXXX XXXX XXXX demanding unpaid charges from QVC. SO QVC has my address and never once sends me a message if I still owed them money- you know why they didnt because I DONT owe them anything as the bill was paid in FULL! I tried callin g QVC to straighten this out and have them call the Q card people but a lady name XXXX refused to do so and just kept giving me the phone # to XXXX XXXX. I tried calling to XXXX XXXX as contact this at the number listed - XXXX-but it states to write a letter within 30 days of the date of the letter which was XX/XX/XXXX- so I called as there is no address to send this to, and I wanted to orally dispute this on the phone but the lady would not listen instead she kept stating that this was an attempt to collect a debt and any information I state will be used against me for that purpose!! What the heck! I couldn't even dispute the bill on the phone. I do believe that XXXX XXXX was sued for this very reason in XX/XX/XXXX District Court of NJ and in XX/XX/XXXX in XXXX District of WI that oral disputes are equally valid and that not informing consumers such is a violation of FDCPA. This letter and the disregard I received is such a violation. Furthermore, the letter doesn't give an exact address of where I would even send a letter of dispute, instead it has no address the section advising of written dispute within 30 days and it gives several address elsewhere. SO which address is it? Furthermore, when I attempted to contact QVC to contact their Qcard people to resolve this issue as Qcard states I paid the balance in full - QVC refused to speak with me and instead kept giving the phone number to XXXX XXXX. IS this some sort of scam??? This bill is paid in full and since I seem to be unable to dispute this orally or in writing to XXXX XXXX or QVC I am advising the XXXX and will also advise the FTC that XXXX XXXX is in violation of the FDCPA and also depriving me of my rights to dispute this collection bill. Maybe XXXX can advise XXXX XXXX in violation of the FDCPA and QVC in violation of never sending me a bill since XXXX, never contacting me advising that they believe I still owed them money and further more by ever corresponding with the Qcard people to gather how the bill was already paid in full. QVC and Qcard are a disaster and should be shut down at how they run their business. XX/XX/XXXX ACH Transaction - QVC XXXX QVC EPAY XXXX ACH Debit - {$19.00} -- XX/XX/XXXX ACH Transaction - QVC CC QVC EPAY XXXX ACH Debit - {$75.00} -- XX/XX/XXXX ACH Transaction - QVC CC QVC EPAY XXXX ACH Debit - {$50.00} plus per Qcard payment phone discussion on XX/XX/XXXX payments for {$130.00} and {$87.00} were also made. Qcard advised they would send me statements in the mail within 12-14 days as the card and QVC account are closed and they can not email them to me.
I want a correction to my credit report, I want this bill correctly placed at XXXX as paid in full because it is. I have made several payments, I want no more contact from this XXXX XXXX XXXX XXXX as this debt is not even valid and clearly they didn't even attempt to verify it. I am not exactly certain of the actual purchase/ transaction date with QVC , but originally Qcard was sending my bills to wrong address, but they did correct that issue and removed all the late fees on XX/XX/XXXX- at that time I paid a large sum to them. Qcard and QVC stated I would receive one more bill which I did on XX/XX/XXXX for {$19.00} which paid the bill in full and my accounts were closed.
I am not exactly certain of the actual purchase/ transaction date with QVC , but originally Qcard was sending my bills to wrong address, but they did correct that issue and removed all the late fees on XXXX- at that time I paid {$130.00} to them and Qcard and QVC stated I would receive one more bill which I did on XX/XX/XXXX for {$19.00} which paid the bill in full and my accounts were closed.
Dates I complained to the company/organization : First Date : XX/XX/XXXX - To QVC and Qcard Second Date : XX/XX/XXXX - To QCard Third Date : XX/XX/XXXX - To QVC, Qcard and to XXXX XXXX
|
| 03/30/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
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|
Web |
Older American |
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I am a XXXX-years old woman and I can not recall if I ever applied for an on store credit card through XXXX XXXX when back in XX/XX/XXXX ( allegedly ) I made a purchase of {$27.00} at XXXX XXXX XXXX Store located in XXXX XXXX XXXX. That was allegedly my only purchase and my only transaction made through the mentioned credit card. I dont remember ever receiving it and I have never ever used or activated any credit card from XXXX XXXX. From that day up to XX/XX/XXXX, when I was first contacted by a debt collection agency ( XXXX XXXX ) for the collection of the amount of {$290.00} on behalf of XXXX XXXX, I have never been contacted by XXXX XXXX and I have never received any letter, any written contract any statement of account, any account balance any solicitation to payment, any notification or any other letter from XXXX XXXX detailing my transactions and initial debt or late fee charges. This is the reason why I forgot about my on store credit line with XXXX XXXX and unfortunately also about the only purchase of {$27.00} made on XX/XX/XXXX ( as per copies sent to me by the bank ). I was finally sent a copy of my records ( I can not tell if what the bank sent is a full or partial copy of my records ) only after my daughter contacted the bank on XX/XX/XXXXvia phone and asked for details on my account and copies of my account activity. Prior to that I first heard about XXXX XXXX last XX/XX/XXXX when I was contacted by the debt collection agency about the collection of the amount of {$290.00} I presumably owed to the creditor XXXX XXXX.
How this happened and how was it possible to send my name and my account to a debt collection agency without making sure I the debtor was previously correctly notified of the existence of my debt, I dont know. I can only assume that based on the copies of the account records the bank sent me on XX/XX/XXXX they listed an incorrect address in their letters if any were ever sent and thus none of those letters were delivered to me, assuming they ever sent any. As per copies sent on XX/XX/XXXX the address on their papers appears to be listed as XXXX XXXX XXXX XXXX NY XXXX ( the building number XXXX and the street number XXXX XXXX are all attached, no dashes, no space, no comma, name of addressee is Last Name First Name instead of standard First Name Last Name order. No Apartment Number is listed. No recommended Zip + 4 code format. Please compare this to the correct address which should instead read as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please consider the fact that I live in a building where having indicated the exact address including the apartment number is of critical importance in order to have the mail delivered as there is no guard or service staff helping post employees in their task. In fact this finally corrected address is listed in the mail I finally received from the XXXX XXXX XXXX and XXXX XXXX office datedXX/XX/XXXX, after prior phone call made by my daughter to the office and prior contacts with debt collection agency. During the calls my daughter has repeatedly brought up the fact that I was not aware of the fact that I had a credit line opened through XXXX XXXX as well as the fact that I have never ever received any letter from XXXX XXXX.
For all the reasons stated above, while I recognize my initial debt of {$27.00} to XXXX XXXX and am willing to pay this debt, I do consider the successive practice of XXXX XXXX consisting in charging monthly late fees on my account without never ever notifying me or without any guaranties ( certified mail, return receipt ) making sure I ever received even a single letter from the bank as an unfair bank practice to say the least and as such in violation of federal consumer protection laws and regulations.
To unfair bank practice would also amount the successive step of sending my account for collection without a prior final notice to me the debtor and without evidence I received such notice. Please consider the fact that I have an excellent credit score having me and my family already paid off a mortgage loan of {$100000.00} in record time. There is no reason for which I would have avoided on purpose to pay a bill of {$27.00} to XXXX XXXX if I was aware of my debt and if I was ever correctly notified by them. Upon receipt of my debt validation letter, the debt collection company wrote to me that my file has been closed and returned to the creditor and that they are no longer pursuing collection activity on my account ( please see attachments ).
|
| 02/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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I have a complaint with Synchrony Bank, regarding my CareCredit account. First, I will admit I have been delinquent on my account and I am not denying I have fallen behind regarding even my minimum payments. After living in XXXX XXXX for 20 years, I moved out because it has become too expensive to live there over the years. I moved to the outer area of XXXX, OH, and living with my elderly father to assist him since he is alone but does not need a caretaker.
After I arrived, I attempted to call Synchrony to make payment arrangements to make some payment on my account. I had received a letter regarding that my account had been forwarded to a collections agency. On XX/XX/18, I attempted to call the collections company, but no luck as the agent I was talking to didnt seem to understand English as I had repeated my name five times - even spelling it, and the person still could not comprehend what I was telling him or her, for I couldnt tell. Frustrated, I then called Synchrony Bank directly to make contact and was able to get through. The person I spoke with understood me and seemed like she knew what she was doing, not an offshore call center and she sounded older. I let her know my financial situation at the time, that I would be making payments on my account but I wasnt exactly sure when exactly I would be making them. But at least one {$100.00} payment on my account in the next month. She continued to notate on my account, and asked me if I could make two payments around certain dates ; I agreed to making two payments in the month of XX/XX/2018. I gave her a ballpark idea of dates since I was unemployed ; she set actual dates I needed to make payment by : XX/XX/18 and XX/XX/18, but never let on as those being exact set dates. This whole time, I stated with the assumption I was making an old school, promise-to-pay on my account and that I would be making the two {$100.00} payments myself online, not permitting Synchrony to automatically take two {$100.00} payments in XX/XX/2018 on set dates. She also verified my account information, including my checking account was still the same.
So thinking I was late with my first payment, I made an online payment myself XX/XX/18 to Synchrony for {$100.00}. A few days later XX/XX/18, another payment for {$100.00} was processed by Synchrony automatically and not by me. I didnt notice this for at least a week, and was baffled how that happened. I went online XX/XX/18 and removed my checking account information to prevent this from happening again since {$200.00} was paid as promised by then. Days after I removed my bank information, another {$100.00} payment was processed on XX/XX/18 by Synchrony. As soon as I caught this on XX/XX/18, I called Synchrony to file a complaint and have the payment credited back to me as financially this put my checking account in the red. I told them I never authorized for them to automatically take money out of my account for payments and that I agreed to make the two {$100.00} payments myself online. I was transferred over to a supervisor, but the issue was not resolved at that moment as the blame seemed to be put on me by her, and that if I verified my account information including my checking account information, that I was authorizing them to automatically process payments to my Synchrony account. I was also told that my complaint would take 30 days to investigate before I would be considered for a refund. I asked how could they legally still process a payment if I had removed my checking account information from my profile, but no clear answer was given except that I had verified my checking account information and thus permitting money to be withdrawn by Synchrony.
Weeks later, I called back Synchrony and told them to stop my claim as that third payment would cover me for XXXX payment, even though I did not approve for them to automatically take it from my checking account. This call was to an offshore call center, and agent assumed if you are not working you can collect unemployment. And of course, they asked for more payment. Also did not receive anything in writing from Synchrony in regard to these payments nor any emails.
So basically at this point, I am apprehensive to make payment to Synchrony because of this that occurred. I would think what they did was wrong on their part. Please investigate the practices of Synchrony CareCredit, so this does not happen again. And if I was wrong, then I understand but I know from my perspective what my intentions were.
|
| 12/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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At the end of XXXX, I began to notice that my Venmo VISA Card, serviced via Synchrony Bank, had an unusually high balance due. I began to take photos of my transaction history as it appeared in the Venmo Application for XXXX on XX/XX/XXXX, of the offending transactions. I subsequently contacted the company to question the charges and within just days after doing so, I noticed that the charges had been amended as they now appeared on my transaction history in the Venmo application. I contacted the bank again to question why these changes were made and I filed an appeal. After some time had gone by and I received no communication of a resolution, I contacted the company again to inquire about the dispute. I was told that no dispute had been filed after having previously been told by a different representative on an earlier call that one had. Again, I asked for them to file a dispute which they followed through with this time. I was also told unofficially before any official investigation by a representative that these " Payment between Friends '' type transactions I had been making were not actually considered cash advances, even though they had all of the traditional interest rates and fees, and other features associated with them. It should be noted that the card had a {$270.00} Cash Advance limit with a {$2700.00} total limit. After XXXX XX/XX/XXXX, I believed the source of all the disputed charges to be funded by a different source that was connected to my Venmo Account. I had several bank accounts and credit cards connected to the general Venmo Application account since I opened it. After {$270.00} any cash advance approved by Venmo should have come from an alternate source connected to the Venmo Application ; not my Venmo Line of Credit cash advance or any balance.
After again receiving no correspondence from Venmo or Synchrony after ample time had passed, I reached out to the company and was told a resolution to my dispute would be decided soon. This resolution came back in the bank 's favor, with me still being responsible for the charges in question. I appealed this decision. Again I received the same resolution. I repeatedly tried to contact Synchrony as well as the XXXX and XXXX Credit Bureaus to correct this error. Now it is over 1 year later and I have been denied an auto loan application as a means to get to my place of employment, along with other credit applications multiple times. My credit score has suffered irreparably during this time with this card being the major impacting factor. I feel that this will never be fairly resolved by dealing with the company, as they continue to drag their feet with investigations and fail to acknowledge any wrongdoing or error on their part ultimately anyway. Disputes filed with XXXX and XXXX have yielded the same disappointing lack of justice, fairness, and accuracy.
In total, from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX Venmo Card as serviced by Synchrony Bank continues to claim that charges in the sum of {$1500.00} on my account are valid charges that I remain liable for and provide no explanation as to why they were altered in my transaction history as photographic evidence I possess clearly exhibits. The {$4200.00} that the bank claims I owe them today was calculated using the actual legitimate and validly executed and documented transactions balance which I never disputed, the {$1500.00} that I did dispute which I believe to have been fraudulently charged and reported on, and the accrued interest and fees associated with the account since my unsuccessful attempts to come to a fair resolution with the company as it pertains to my dispute.
Please see the attached images for evidence on my behalf which shows many examples of the transaction types and additional information such as what time the payment occurred, to whom it was sent, and the interest rate I was being charged for the transactions that have been altered or removed as in the instances of identifying information that would obviously make it a cash advance. The transaction ID numbers have even been changed from the originals. My statement now lists the transactions as 'VENMO* Visa XXXX NY. '' My current statement also shows that my {$270.00} cash advance limit has been exhausted, but this can't be true since their entire case is that these charges are not cash advances, and they have changed my transaction history to reflect them as ordinary card charges. Fraudulently so, I might add and emphasize.
|
| 10/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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On XX/XX/XXXX, I purchased/ordered a GE and two XXXX refrigerators from Lowes. I subsequently canceled the GE order, and my account was credited. In XX/XX/XXXX the XXXX refrigerator ( Invoice # XXXX ) was delivered to my house damaged. I then called the Lowes Manager and was offered 10 % off the XXXX refrigerator if I accepted the damaged refrigerator. However, when I went into Lowes to return the other XXXX refrigerator ( Invoice # XXXX ), I discovered that the manager gave 10 % off the less expensive XXXX refrigerator that was not delivered. The Lowes manager then researched the error and refunded the correct amount of XXXX. I was told the initial 10 % discount of XXXX processed over the phone for the wrong XXXX refrigerator may take a couple of days to process and the return refund issued on XX/XX/XXXX was for XXXX, XXXX less than the amount I actually paid on XX/XX/XXXX. No receipt was available for the phone credit of XXXX. I then left the store and called the Lowes credit card company, Synchrony Bank, to pay my credit card balance in full as I have always done with all of my credit cards to avoid paying interest. I explained the situation and asked if the 10 % phone credit of XXXX was reflected on my account, and I was told no. I explained that I wanted to pay the balance in full and asked if I overpaid my balance due, would Synchrony Bank send me a check, or would I have to use up the credit by buying something else at Lowes with my card? I was told they would not send me a check. Based on the information provided to me on that call with Synchrony Bank, I then subtracted the credit amount of XXXX and the returns that I had just made in store for XXXX, XXXX, and XXXX from the balance due and confirmed that once the credit was reflected on my account that my balance would be considered paid in full with a XXXX balance. Months later, during covid 19, I received a Synchrony Bank collections notice for the disputed credit amount. I spent hours on the phone explaining the situation and they noted my account and said it would not affect my credit while they sent it to their back office for review. The issue was not resolved and in XXXX of XXXX I spent many hours explaining the situation and sending purchase receipts with no success. I tried contacting the Manager at Lowes but did not receive a returned call after multiple attempts. I could not go to the Lowes store to resolve the issue due to Covid-19. Finally, on XX/XX/XXXX, I received a phone call from the store manager who researched the issue and informed me that the credit was indeed issued. I then called Synchrony Bank and was informed that they closed my account. I asked them if the credit was reflected on my account, and they said it was received. I was very upset that I was given misinformation when I called to pay the balance in full initially on XX/XX/XXXX, and that in multiple subsequent phone calls and correspondence that no one informed me that the credit was actually reflected on my account all along. This wasted over 20 hours of my time and impacted my credit. They waved the interest and fees associated with the balance and I immediately paid the remaining balance of XXXX in full on XX/XX/XXXX. They again told me that all their notes were being sent to their back office so they could make sure this did not hurt my credit. I recently called Synchrony Bank to request that they remove this from my credit file. I was told that my account was still active and that I would receive a card in 7-10 days. I told her that my account was closed and explained the situation and how it impacted my credit. She continued to tell me that there was no problem with my account. I asked to speak to a supervisor, who confirmed my account was closed and that she would send her notes of the situation her back office. I asked if I could speak to someone in the back office and was told that was not possible. I have no confidence that the back office will give this fair and equitable consideration to correct my otherwise perfect credit score. Please assist me in getting this misunderstanding exaggerated by Covid-19 resolved. Attached is a pdf of the purchase receipts and the notes from my XX/XX/XXXX call to pay the balance in full for XXXX. I also created an XXXX spreadsheet to reconcile the purchases, returns and discounts ; and to further notate the XXXX balance due calculation that Synchrony Bank helped me determine on XXXX. Thank you for your attention to this matter.
|
| 01/10/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
Servicemember |
|
On XX/XX/2021 I placed an order using Paypal ( Credit ) for the purchase of a XXXX XXXX for my daughter, charging {$140.00} to my Paypal Credit account for the item. However, I quickly grew concerned about the validity of the site, so on XXXX XXXX ( less than XXXX of placing the online order ) I sent a request for cancellation through the online site ( XXXX ), which also, happens to be a XXXX ran ( online ) shop.
After sending multiple emails to have the order cancelled, I received an email from the online seller stating that the item had already shipped ( from XXXX ) and that it could, thus not be cancelled. So, I would just have to wait for the item ( i.e., XXXXXXXX XXXX ) to arrive. In response, I contacted the seller/shop multiple times ( via email ) to obtain information about the shipment carrier and tracking number to try to assure that I wasn't being scammed or defrauded.
However, the email ( s ) I relieved from the seller provided none of the information I requested about the order. The information and response I did receive from the seller was to continue to wait for the order to arrive because the order was already in transit, though, I had not, nor did the seller provide me at any time any knowledge of precisely where the order was while in " transit. '' I was also not given an expected delivery date or time frame for the order, which only fueled my skepticism and feelings of being scammed further.
Seeing that my attempts to cancel, and then obtain necessary information about my order had been ignored, I contacted Paypal Credit by phone to inform them of the issue. Over the phone Paypal Credit directed me to submit an online dispute form suggesting I select order cancellation as the reason for my dispute for the charge of {$140.00}. So, I complied and followed Paypal Credit 's instructions as suggested.
Then, on XX/XX/2021 through my XXXX " shop '' app ( which I had installed on my phone prior to this situation, and still use to track ALL online orders made using my email address ), I received a notification that the order was " delivered. '' But there was no XXXX XXXX or any package from the seller to be found. I waited approximately two more days to see if the package would perhaps arrive, as sometimes ( I've been told ) packages get scanned early prior to delivery and may arrive a day ( or two ) afterwards. However, by XX/XX/XXXX I contacted Paypal Credit ( again ) to inform them that, thanks to my app I had a tracking number for the order, but though the " XXXX '' app displayed the order as delivered, I had no package.
I could not have been more frustrated and upset about the outcome of this situation and ordeal, because despite continued and repeated communication with PayPal Credit and their instructions to file and submit another dispute form ( for a unreceived order ) and supporting documentation online through " secure messaging, '' I have not received a credit/refund for the charge ( {$140.00} ), and I do not have the item and order in question. A XXXXXXXX XXXX
An perhaps, worse, I went to a post office on XX/XX/XXXX, but had to return to my " local '' post office on the XXXX ( as my local office was closed on the XXXX by XXXX pm ) to see ( as suggested by Paypal Credit ) if I could have the tracking number verified and have a form of evidence provided ( i.e., printed ) by USPS to be submitted with my dispute. However, USPS could not provide me any such documentation, or refused ( unknown to my knowledge ). Though, they were able to see what I saw on my app, that the " package/order '' was " delivered '' on XX/XX/2021 at approximately XXXX pm and was noted to have been left in my mailbox. Though, my apartment mailbox is too small for such an order/package and the order was not there.
So, despite, every attempt to contact the seller and Paypal Credit to receive a refund and/ have the charge removed ( the latter being my preference ), I am still being charged for the order/item I never received. And in communication with Paypal Credit, they mentioned that the seller had provided them evidence that they had shipped it, though I do not have the item ordered or any item from the seller. So, as already stated, I am currently still being charged with all attempts to dispute the charge yielding no refund, credit, charge removal, or justice for the consumer.
If or when this gets resolved, I'm committed to closing my PayPal Credit account and never opening or using PayPal again.
|
| 06/22/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I am very upset and shocked to find that 4 of my synchrony store credit card accounts have been closed due to 2 disputes I made on PayPal. The following accounts were closed : Synchrony love sac account, Synchrony Container store account, PayPal, and amazon credit card. I am hopeful that no other accounts were closed. I would like to begin by stating that I was not notified that the accounts were being closed by email, letter, or any other form of contact. This led to multiple payments that I had on autopay on PayPal not going through including my XXXX vitamins that I need for my wellbeing and that of my XXXX child. I had no idea what was happening. I feel that this is unprofessional and improper of a credit card company to do.
I contacted the synchrony love sac account on XXXX to inquire why my account was closed. After being transferred to 3 different representatives I received the explanation that my accounts were closed due to a business decision related to my disputes on my PayPal that rendered me as a danger to pay. First, I would like to add I have had my amazon account and my PayPal account for YEARS and have never been delinquent. I have never missed a payment on my synchrony accounts as well. My credit is in the high XXXX and is considered EXCELLENT credit. My disputes on my PayPal account were due to a very real issue. I have also been trying to contact PayPal and the customer service line is not in existence due to COVID 19, so I was never able to speak to a person at all.
Regarding the disputes on PayPal. I have included in this letter emails that show the progression of this issue. I purchased in XXXX a poster for my new home. The poster was purchased through tee chip the purchase went through to a company called XXXX. The purchase was for XXXX including tax. I later noticed in XXXX that I was charged an additional XXXX by the company for an additional 3 posters which I did not order. I attempted to file a claim with the company at that time and was denied because they indicated the items were already shipped. At that time, I filed a dispute with PayPal due to being charged 3 additional times for an item that I did not authorize payment for. My claim was eventually denied.
I then noticed recently that I not only was I charged 4 times for the same item, but I never received my item. I emailed the company again and they provided a tracking number. I checked the tracking number and it indicated that the item was delivered on XX/XX/2020. I never received any items at all. I then filed an additional claim for the original {$41.00} and the {$97.00} again because I never received these items. Even if my original claim was denied if I received the items, I would have done something like send them to friends as gifts, but I never received the items. I believed that this was part of the benefit of PayPal. I used PayPal specifically because I trust them! Because they have this service that allows you security in your purchases! I never in my dreams imagined that this would lead to repercussions such as this. There is no warning when disputing a charge that you will have your account closed. There is nothing to that effect. I would have just taken my loss if I realized that this would result in this. I use my amazon credit card almost weekly and pay it off in full repeatedly. I also was just going to purchase a new mattress for my new home using the synchrony account. This mattress was set to be delivered this Saturday. I now dont even know what to do. Your company may have very well left me, a XXXX woman who is XXXX XXXX XXXX, sleeping on the floor if I had not uncovered this. I now must repair all the damage that was done to me. All because I disputed 2 charges ( for the same company that charged me 2 separate times ). I am viscerally upset by this. I have never experienced something so unjust by a credit card company. I reiterate that I have not missed any payments. I utilized a benefit that PayPal flaunts as a benefit of the company. I have not abused the benefit. If I receive a service or an item, I never would dispute it.
I hope that this company can look at this compelling appeal and see how unjust this was and then proceed to reinstate my credit cards. I feel offended and hurt that this happened to me over {$130.00}. If I knew that your company did not stand by its promise of customer satisfaction without repercussion, I would have never filed the disputes and would have just taken my loss
|
| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
During the pandemic I was furloughed from my job XX/XX/XXXX. My income was reduced over 50 %! I work in service industry, and was not permitted to return to work because of my high risk factors due to underlying condition. 99 % of all my creditors were understanding offered assistance and payment plans. All of which I am back on track with and the accounts are all current and paid ahead of schedule. 99 % of them did not report any negative adverse derogatory statements to account/credit bureaus. Synchrony bank/Paypal Credit on the other hand did the exact opposite.
I made several calls to the them requesting help during this unfortunate time. Prior to covid my payment record was 100 % on time with Synchrony bank and all my other creditors. When I would call to seek help from Synchrony I was repeatedly told no, once I was told let me check your payment history to see if you qualify for assistance. I was put on hold and she returned stating sorry but you don't qualify and not providing further explanation of why! I feel extremely discriminated against because I had perfect payment record prior to covid. There were times I called and I was transferred to a supervisor after requesting on, the supervisor was at home as most people were working from home. I could tell that patience was low, and focus and attention was elsewhere with whatever was going on in their background. I was told to call back another day, or to call credit consolidation.
Everytime I call i seemed to get the same supervisor who provided the same poor service and an answer of no when I requested help. I began getting credit alerts and that my score had dropped over 100 points because of Synchrony negative reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have changed the specific months between those four months. I have included photos showing the discrepancies. I complained to the company requesting correcting of this negative reporting they claimed to be working on but I find out they just added more late payment status to my account. These people are unfair and not empathetic.
Despite my payment status they persist on ruining my perfect payment status despite my efforts of bring their mistakes to their attention. I am unable to speak directly to the credit department, instead I am speaking through an associate who creates a ticket and sends a message. The last supervisor I spoke with on XX/XX/XXXX who was named XXXX became defensive and stated " I don't want to argue with you '' they are working on it and asks is there anything else I can help you with. Her highly defensive tone and stating she didn't want to argue when it simply wasn't an argumentative conversation although she took my claims as such. She also did not seek to provide any help in the matter, she just wanted to end the conversation and get me off the phone which I've found to be common practice.
Through my experiences with this company it has been evident that this is a sytemic issue, poorly trained associates whom are not trained at being compassionate, empathetic, hospitable, or to provide helpful solutions. I feel that I have been discriminated against during this time. If there was a system of being qualified based on past payment history, there is no reason why I should not have qualified because my payment history was stellar.
The account is currently in closed status, the only offer the company gave me they asked if I wanted to close the account to halt interest and pay as little as {$10.00} a month. I agreed to doing that. They did not tell me that it would negatively affect my credit report, I was also not told that they would be stating on the credit report that THEY chose to close the account instead of the account being closed for to me choosing to close it. It was to my understanding that I was doing so temporarily by my choice until I paid down the balance. They instead NEGATIVELY reported this to the credit bureaus.
I will attach documents of my payment history which shows the amounts paid and dates paid. You will see the flip flop in reporting dates change late payments change from month to month. After I dispute they just change things around instead of deleting the content. They don't account for payments made as shown.
Apart from trying to resolve this directly with bank, I have also disputed directly with credit bureaus XXXX, XXXX, and XXXX only getting generic computer generated responses that the account is valid.
|
| 04/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In early XXXX I had XXXX XXXX XXXX handling this account for me, we settled with XXXX XXXX ( Synchrony debt collector ) in the amount of XXXX with a payment plan set up over the course of 19 months in which 15 payments had been made as follows : Beginning XX/XX/XXXX payments will be as follows- 6 paymentsXXXXXXXX XXXX XXXX XXXX XXXX Final payment of XXXX in XXXX XXXX.
Total of XXXX After getting the receipts, looks like they never changed from XXXX to XXXX so it shows XXXX XXXX XXXX and XXXX and that's when it was supposed to go back to Synchrony to debit my personal account for the remainder XXXX I had left to pay.
These monthly payment were being taken out of my account I had with XXXX XXXX.
In XX/XX/XXXX, I had released all POA rights between XXXX XXXX XXXX and myself. So I set up my own account just for XXXX XXXX to debit these payments from. When I spoke to them they said they could not take payments from me or my personal account, which I find odd, so I called Synchrony and explained to them I need to continue making these payments what do I do? He told me I needed to call XXXX XXXX and ask them to bring my account back " In house '' and Synchrony would be able to continue the payments from my debit account, for the reminder of the settled amount. Confirmed. So I did just that, XXXX XXXX advised me it could take up to 8 weeks to complete, ok, so I called them back at a later date, they dropped the ball it wasn't transferred so they did it again and check back again, it was done so I call Synchrony and they said they had no notes on my account in regards to talking to me or agreeing to this. I said well you should, let me make more calls and find out what's going on. Everyone else had done their job and it was confirmed my account was no longer at XXXX XXXX. So I called XXXX to make sure they had sent a release so everyone could even talk to me. Got that. Now its XXXX XXXX, I called synchrony again and now they're telling me that not only do they have no notes of this because they no longer have my account but that they can't even speak to me that I need to call XXXX and XXXX as that's where my account it now. Called XXXX and XXXX XXXX XXXX and yes they now have my credit card account in their office. So it was sold again, after working with everyone for months to get this all in place to continue paying and now I have a judgement filed against me for XXXX in XXXX XXXX XXXX in Missouri.
Furthermore, the last payment I made the end of XX/XX/XXXX was in fact made and then it shows reversed on my statement, so I asked the bank who reversed the payment because it wasnt me and they stated : " XXXX received an email from the creditor stating " These accounts are no longer in our office. Please delete any future payments ''. Your debt settlement provider is notified and both XXXX XXXX XXXX XXXX and the creditor have to agree and then the payment is reversed. '' Email attached This confirms, the creditor ( Synchrony ) also agreed to stop payments from the global account through XXXX XXXX to switch the payments to be taken from my personal account I had set up. I did not default on my payments or agreement.
This is all negligent unfair consumer practice.
I still have no copy of said judgement as I was out of town over the holidays when they tried to serve me, by the grace of god I happen to see the court date the day before on XXXX and got it continued to May so theres no default on the judgment. That was filed in XX/XX/XXXX and its now XXXX and Ive sent numerous requests to XXXX and XXXX for this summons to no avail.
I still have not been served properly, the Synchrony statements XXXX and XXXX XXXX office did finally mail to me last week is from XXXX with none of my payments I made shown on any documents.
I again called Synchrony in XX/XX/XXXX, last month, and was yelled at by a gentleman on the phone who said he cant talk to me.
To make these matters worse I was getting ready to refinance my home mortgage and this judgement/Lien is against me and I cant close, losing money out of pocket for appraisal fees etc I had already paid, lost the interest rate I was locked into etc. with a new closing date of XX/XX/XXXX. Due to this event I even offered to give XXXX and XXXX XXXX JUST so I can refi my home and be done - they wont answer my emails I sent on XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX. This is now affecting my health, my home and my credit and needs to be resolved immediately.
|
| 06/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
hope all is well. I am writing to express my discontent with the handling of Identity Theft and fraud associated with an Amazon /Synchrony Bank credit card that I never requested nor used. I became aware of it on XX/XX/2020 when I started the process of refinancing my home that an unauthorized Credit Card associated with my Social Security number was sent to collections due to nonpayment.
I am in the process of refinancing my home for my family and in the middle of escrow. immediately after finding out about the collection debt, I called Synchrony Bank and spent 2 hours on the phone trying to clear and reestablish my credit. My loan officer Mr. XXXX ( whom has been helping me with this case ) and myself, finally spoke to XXXX in the Fraud department whom was very rude and unprofessional, we explained him the situation and he instructed us wait for Fraud claim form that he requested to arrive in the mail, he instructed us to fill it out and mail it back to Synchrony Bank to remove this collection from my credit. we asked if there was a different form of delivery of the letter ( email or Fax ) and he said NO, due Synchrony Bank policy and procedures, it requires that the letter be sent to the claimant via regular mail. He said the Investigation process can take up to 2 months for a fraud analyst to review the case and make a decision. We informed him of the urgency of the matter and that we needed a DELETION LETTER removing this collection from my credit report so I can continue to move forward with the refinance of my home and take advantage of the lower mortgage interest rates during that time. He reiterate us again that there was nothing he could do anymore for us that we had to wait for the letter and a response from the fraud analyst investigator once his investigation was completed. Out of options offered by XXXX, we agreed to wait for the letter to arrive in the mail, he verified with him our mailing address ( our XXXX. XXXX ). He said that he had requested the letter and once we receive it we needed to fill it out and send back as soon as possible. The letter sent XXXX in your fraud department never arrived, on the other hand we received a collection notice vial mail to the same XXXX XXXX by XXXX collecting the balance in your behalf. We called XX/XX/2020 and spoke with XXXX this time ( thats all the information that he wanted to provide us about himself, no last name or anything else ) he confirmed that in fact the collection was sent to XXXX due to the fraud investigator decision, on the case. When we asked XXXX for the decision factors from the investigator to complete his case, this is what he said the claim was denied due to the following : Fraud claim form wasnt received : he said that the letter was mailed on XX/XX/2020 but received back on XX/XX/2020. As we explained XXXX previously this letter was never received, we wanted to make sure that we received this letter thats why we asked for different alternative methods of delivery ( Email or Fax ) but we were not grated those options. I receive ALL my mail in this XXXX XXXX fine as you can see I got the collection notice from XXXX.
Applicant Information ( Name and address matched to the credit bureaus ) : we explained to XXXX on XX/XX/XXXX that my name is XXXX XXXX XXXX, I have a son XXXX XXXX XXXX that lives with us in my home. I also explained to XXXX that I dont buy stuff on line and I dont use Amazon or have an account with you guys. He asked IF my son could have done this, I told him that I didnt know but IF it was him I was willing to press charges if needed, I really take care of my credit and its NOT fair that I have to go through this horrible experience.
Valid Payments made on account with no return payments : I asked him if he could provide me with proof how this payments were made, maybe this way I can find out who established this account but he said that he couldnt. Again I feel that Im not given an opportunity to correct this by your representatives.
It is unacceptable the manner in which Synchrony Bank is handling my case, It was evident that someone else used my information to established a fraudulent account and when Im taking some much time off from work to fix this problem no one wants to help me. Time is of the essence and every day that passes by, I am at risk of losing the opportunity to obtain a better rate for my home and this is turning to thousands of dollars due to something that I didnt do.
|
| 07/18/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
This Complaint is related to another Complaint I filed today regarding a service provider XXXX . I applied for a CareCredit card to pay off a veterinary bill accrued at XXXX . The facts are as follows : My dog XXXX was discharged from a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX , NY XXXX ) on XXXX XXXX , 2017. On the day of his discharge I met with a XXXX employee called XXXX XXXX . He informed me of the final amount of XXXX XXXX bill and that he would be using the CareCredit card I was encouraged to sign up for by XXXX to pay the balance. At that time he showed me a form that limited my interest deferral repayment period to 6 months. I told him that was unacceptable and I would not be agreeing to that.
Prior to that day, at no point in time was I told by XXXX or CareCredit that my repayment period would be limited to 6 months. XXXX XXXX charged my CareCredit account and I left without having signed the form. Since that day I have reached out to XXXX XXXX employees XXXX XXXX and XXXX XXXX by email and telephone numerous times and told I would be getting a response, I did not until today. XXXX XXXX called me back on XXXX and told me that I needed to call CareCredit and inform them that I never signed the 6 month deferment agreement form.
I had previously called CareCredit and was basically told that that was too bad that XXXX never told me about the interest rate or its promotional period and that there was nothing that they could do. I called CareCredit again today and they told me it was up to XXXX to fix. CareCredit also told me I was wasting my time calling to speak to them since there was nothing they could do. No one at CareCredit could explain to me how I was supposed to know that CareCredit had a separate agreement with XXXX that I was not privy to regarding how I would pay back CareCredit. No one at XXXX or CareCredit will take responsibility for the fact that they were obligated to disclose the interest rate and promotional deferment period to me PRIOR to charging my card.
I am a consumer that has been mislead by two large corporations for their failure to disclose material lending terms. The staff at XXXX while encouraging me to sign up for CareCredit failed to disclose the fact that XXXX would be dictating the terms of my repayment with CareCredit. CareCredit failed to provide the service provider with adequate guidance in clearly laying out the terms of the deferred interest loan prior to applying my credit. I did not even receive any documentation from XXXX regarding the terms of credit with CareCredit or the interest rate until the day of my dog 's discharge when they presented me with the 6 month interest rate deferment form which I refused to sign. As I applied for CareCredit online at the suggestion of XXXX there is no way I could possibly have known that the promotional period was only 6 months without XXXX or CareCredit disclosing that to me. In fact upon application, CareCredit should ask me where I intend on using it and inform me of the terms of my repayment or CareCredit should obligate XXXX prior to encouraging me to apply for CareCredit to disclose the terms of the agreement XXXX has with CareCredit. There is no way that I as a sole consumer would be able to ascertain the fact that XXXX and CareCredit have a separate agreement that I am not a party to and the terms of that agreement. I have advised XXXX and CareCredit that I want to pay my balance in a fair and equitable way. I should not be penalized because these two corporations have violated numerous consumer credit protections. I was never told by XXXX or CareCredit prior to their applying my credit that my interest deferment period would be limited to 6 months, in fact I explicitly objected to that. I ca n't understand how neither of these two entities are responsible or obligated to disclose to me this material lending term and how they can apply my credit without my consenting to all of the terms. I know CareCredit has been fined before for deceptive enrollment processes, inadequate disclosures and poorly trained staff I can state without reservation that this company continues to act with impunity and reckless disregard for the finances and wherewithal of its consumers and that should not be permitted to continue, it is a company with the resources to correct its failures.
|
| 07/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX BIGGEST SCAM TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
I am one of millions of American consumers who has been entwined into a scam by various collection agencies in America. Attached is a document known as a qualified written request or QWR. There are seven posted collections on this QWR, all with account numbers backed by copies of collections from XXXX XXXX XXXX XXXX XXXX On each of these collection notices it specifically states that XXXX XXXX XXXX XXXX XXXX is the new owner of a debt or debts that were originally with another creditor. However, a fully completed QWR on each of these debts will prove that not only is XXXX XXXX XXXX XXXX XXXX the new owner, but that any transfer would have been illegal unless said transfer came from a securitized trust agreement. All of these debts were sold off into a trust, and the QWR for each debt will prove so. Now Ill explain how this scam originated in the United Stated over the past year.
On XX/XX/XXXX a decision was handed down in the United States Supreme Court on a case called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This XXXX decision comes right to the point on the application of the Fair Debt Collection Practices Act ( FDCPA ), the rights consumers should have under this act, and the tracking of new ownership. This decision left a window open for the debt collection agencies and their counterpart original creditors to pass off charged off debts without the proper documented trail. The decision states that a buyer of debt ( s ) can work outside the FDCPA protections guaranteed to consumers.
The problem is becoming a giant problem pertaining to trade rights for Americans who should be protected under FDCPA. Im making the claim that each and every one of these collection has perpetuated a fraudulent activity that should be beyond a civil complaint, but more criminal in nature.
XXXX XXXX XXXX XXXX XXXX has never acquired these debts legally. There was no tracking of the debts from originality to a securitized trust, and from a trust with multiple signatures to XXXX XXXX XXXX XXXX XXXX This process is not only fraudulent, but a process that has caused me great damage to my personal credit history. This agency is now doing this process to virtually millions of Americans amounting to hundreds of millions of dollars in fraudulent collections.
XXXX XXXX XXXX XXXX HAS NO SUBMITTED PROOP OF OWNERSHIP!
A COPY OF THE XXXX XXXX XXXX XXXX XXXX XXXX IS ATTACHED!
I DEMAND A FULL HISTORY OF OWNERSHIP BASED ON A QWR!
I DEMAND THE PURGE OF MY FILES FROM XXXX XXXX XXXX XXXX XXXX
TO EACH CREDIT REPORTING AGENCY, XXXX, XXXX AND XXXX XXXX RESPECTIVELY : A scam is being presented to each credit reporting agency in millions of cases. The Federal Trade Commission agreed years ago that the debt collection business is broken, and now, because of a loosely held Supreme Court decision, the debt collection industry has gone off the charts on illegal activity of the transfer of trade for personal credit matters. Each of these violations where proof of ownership is not sustained is a serious breach of an implied agreement between the collection agencies and the credit bureaus through the subscriber agreement between the parties. Your credit reporting agency needs to investigate this abusive practice and the Consumer Financial Protection Bureau ( CFPB ) must initiate a serious investigation on this abusive practice. My files should be purged permanently as the fraud has already been committed, and I am subject to my rights to sue for damages.
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| 04/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I opened a Care Credit Card through Synchrony Bank in XX/XX/XXXX for XXXX expenses of my rescues. After noticing in XXXX of XXXX that my balance wasnt really budging, I took a closer look at my online statements and noticed a XXXX XXXX XXXX was on it. My husband always pays this card and he never noticed it all these years because it starts as a very minimal fee and grows throughout the years. I DID NOT SIGN UP FOR THIS ADDED FEE when I originally applied for my Care Credit account. I absolutely would never because it charges you a extra percentage, lowers your balance, and there is no need for it.
I called in on XX/XX/XXXX to Care Credit Customer Service, where I was told by the representative that this is a common occurrence thats been happening and she has seen it a lot. She gave me the Card Security phone number and said that all I had to do was call them and they would cancel the card security, along with return ALL FEES that was charged since it was put on. She looked at my account and told me the fee was charged since I first opened the card back in XX/XX/XXXX. I called Card Security on XX/XX/XXXX and was greeted by a rude woman who was consistently reading off a script on what to say to my complaint. She kept telling me I signed up for it when I did the original application which is a COMPLETE LIE! I made sure she was aware that Care Credit already told me that this was a common occurrence thats been happening and Id get all my fees returned. I also looked into this matter further online and found hundreds of people who have experienced the exact same thing I am. Apparently the Card Security Fee box is being checked AUTOMATICALLY when you agree to the terms of the Care Credit Card. So unless you study your statements, you wont know and its a common scam they are doing to get extra money from you. I told this all to the Card Security agent and she said I can cancel it and also do a escalation of my complaint on the refund amount to be reviewed. So on XX/XX/XXXX is was canceled and gave me a complimentary refund of {$280.00}. I also did the escalation for the remaining fees Im owed and she said Id hear back in 5-7 days via email or regular mail.
In this time period I contacted Care Credit via the online massage center and asked to have EVERY statement since XX/XX/XXXX sent to me, so I can see how much I am owed in fees. I did receive them all and calculated how much I am owed. I called back Card Security on XX/XX/XXXX after not hearing from them as they said I would. Same script was read to me and they said to wait another 7 days because of a software issue putting them behind. I asked to have a supervisor call me at this time and was told I could start another escalation if I wanted but that would restart the whole process. So I left my original escalation and said Id call back in 7 days if I dont hear. They noted this all on my account.
On XX/XX/XXXX I called again after getting no communication about my full refund or a call from a supervisor and the same script about me supposedly signing up for this was said again. Had to explain all over again about this being a scam, I never signed up, and already did a escalation to get my full refund back, along with no call from a supervisor. She said to wait ANOTHER 7 days and kept repeating that to me even after asking what happens if I still dont hear anything from anyone. Again it was a script being read. She said she could also see on my account that I asked for a supervisor to call me on XX/XX/XXXX, which I told her no one has. I made sure I told her to also note in my account that I have screenshots from Care Credit themselves telling me that this is a common occurrence and id receive all my fees back, along with proof of other users having the same issue done to them. So here it is XX/XX/XXXX and I still havent heard anything from a supervisor or about my full refund. Im getting nowhere with Card Security and getting a complete runaround. I need this handled RIGHT AWAY!
I included screenshots of my Care Credit Chat with them saying Id receive all fees back, messages with Care Credit where they told me my problem was being forwarded to corporate for review after telling them I was reporting to the CFPB if I didnt get my money ( which I never heard from either ), me asking for all my statements which I received in full so I know the exact amount Im owed, and proof of others experiencing the same scam issue.
Thank you
|
| 09/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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|
Hello, Let me start by saying I have been severely wronged by TJMAXX as well as the 3 main credit score reporting companies. I can not provide dates or paperwork because the delinquent charges that has been subscribed to me by TJMAXX are fabrications. I paid TJMAXX each month on time except during my first payment because my sister went into a XXXX and died and I was devastated. After that each payment was on time. TJMAXX continuously refunded my payments back to my bank account, sometimes, two to three months after I had already made the payment or new purchases. I have no statements for evidence because I never received a late payment statement because my payments were never late until several months later would recieve large late payment fees that did not coincide with my payments. However, TJMAXX would continue to refund my payments with sufficient money in my bank account, with the correct account number, and without informing me. I would call to make the payment I would have a late fee. I didn't understand what was going on so I kept paying it realizing that my bill was becoming greater than original purchase price made. Finally, three consecutive payments were refunded to my account. Repeated phone records will show that I contacted TJMAXX over and over again about this problem. They could not explain why they were refunding my money and removed the late fees for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX my payment went through sucessfully. I made a payment XX/XX/XXXX,XX/XX/XXXX, and then I received a letter, in XX/XX/XXXX, stating that I had been deferred to a collection agency. I was livid. Recorded call will once again show that TJMAXX admitted that they received payments and sent them back to my account for no known reason. I explained that I was sick of this problem, that they only had payment by phone and not in store so it was imperative that they correct this problem that I had since I opened the account and that in XX/XX/XXXX TJMAXX assured me that that was the last time it would happen the problem had been resolved. They refunded most of my late payments and apologized. I paid off the account in full because I was tired of this problem that had been going on for 6 months. I asked that they correct all damage to my credit score. They informed me that a separate department did that and gave me a phone number. I called the phone number several times, left messages, and received no response. I called TJMAXX three more times after that. While they empathized with my problem they provided no solution ( other than their credit service line who was not returning my calls ). After paying them in one lump sum ( which I do not recommend ) they added insult to injury and closed my account due to deliquency ( this is why I do not recommend it ). Delinquency. Deliquency that they they were the source of through poorly managing my account and many other meaner phrases I can think of. They messed up my credit score and when I reported it to the credit bureaus they did not rectify it. It is bad enough to make your own credit mistakes but when a company does it and refuses to fix it it is abuse of the customer. TJMAXX does awful business. They do not offer communication with the customer or return calls in the credit dept. They have departments set up in different places that do not communicate with each other therefore rendering customer service powerless. They made huge mistakes in my account and are still unable to explain why. If it is TRUE and I had been late several times why was I able to shop in the store with several months deliquency? Why did I contact customer service so many times about the same problem? Why did it take so long to send a late statement? ( It is because TJMaxx allowed me to pay them for two or three months at a time and then suddenly refunded those two to three payments in one lump sum ). Why would you correct delinquency in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but not XX/XX/XXXX-XX/XX/XXXX? Why did you company refund me several hundred dollars in late fees? I will tell you why! Because I was cheated by your company, the mistake was on your end and your end alone. And you messed up my credit score with your irresponsibility, lack of respect for the customer, and lack of accountability for your awful mistakes. If I had foresight I would have never opened an account with you. You ruined my credit for a few throw pillows. This is terrible.
|
| 12/01/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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XXXX & XXXX XXXX Order No. : ending in XXXX XXXX XXXX XXXX XXXX Reference No. : ending in XXXX Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking Number : ending in XXXX Charged {$370.00} to a Synchrony bank XXXX XXXX XXXX XXXX store credit card ending in XXXX.
I ordered this cell phone on XX/XX/2020 online at XXXX XXXX XXXX XXXX for total charge of {$370.00} ( enclosed is the order and invoice, # 1, # 2 ), charged to a Synchrony bank XXXX XXXX XXXX XXXX store credit card ending in XXXX. Expected Direct Signed package delivery was XX/XX/2020. I never received the Merchandise, No attempted delivery at all. ( Enclosed is the 2 confirmed delivery emails, # 3, # 4 ).
The Direct Signature required package was then Re-scheduled for delivery on XX/XX/2020. Still never received the merchandise. A period of time from XX/XX/2020 to XX/XX/2020 passed and was no more updates, no more re-scheduled deliveries.
On XX/XX/2020 the status magically changed to Delivered Wednesday XX/XX/2020 at XXXX. NO signature Req. I nor anyone on my behalf requested a No Signature. And the Merchandise simply was never delivered to my address, but Im billed for merchandise never received. I obtained directly from XXXX a proof of delivery ( Enclosed is XXXX proof of delivery, # 5 ) and my name is blank in the Delivered to : field and also my address is NOT listed in the Delivery Location field, and there is not even a zip code listed, as well as NO Direct Signature from me on the document. Only my XXXX where I reside is listed as the Delivery location.
On XX/XX/2020 I called XXXX and they informed a package trace was completed and closed and had determined the package was LOST and they informed me the store, XXXX XXXX XXXX XXXX must do a lost claim.
Since the store XXXX XXXX XXXX XXXX was not available/responsive to help resolve this matter and when I finally was able get thru a call to them, they just will not cooperate and tell me the issue is frivolous. I therefore was forced to file a charge dispute with Synchrony bank.
On XX/XX/2020 a claim for the disputed charges was filed with Synchrony bank XXXX XXXX XXXX XXXX store credit card ending in XXXX. ( Enclosed, digital letter, # 6 ).
On XX/XX/2020 Synchrony bank denied my charge dispute ( Enclosed, Synchrony bank denial Letter, # 7 ) based on misinformation from the Merchant, XXXX XXXX XXXX XXXX, as the merchandise was NEVER delivered. And both the merchant and now Synchrony bank, it seems to have ignored the proof of delivery documentation I have sent to them, ( included here ). AND the fact the Package was determined to be lost by XXXX and Synchrony bank is charging me for the merchandise never received.
This seems to go against the Federal Fair Credit billing act ( FCBA ).
Synchrony bank has denied my charge back claim and refused to contact XXXX to verify the package for the Cell Phone was lost and re-imposed the {$370.00} charge as confirmed by an XX/XX/2020 billing statement ( Enclosed, XXXX XXXX XXXX XXXX/Synchrony bank Statement, Account number blacked out, # 8 ) Isnt this against the Federal Fair Billing Act to charge me for merchandise never received?
This is also unfair and deceptive and is Illegal in Massachusetts MGL c. 93a, section 2, 9 and 11.
Furthermore, I called Synchrony bank customer service on XXXX and was told the delivery ticket matched my address ( from XXXX & XXXX XXXX XXXX. I want to see this as my XXXX proof of delivery dated XXXX direct from XXXX, ( enclosed, # 5 ) and more recently, dated XX/XX/2020 ( Enclosed XXXX Direct FaxBack, # 9 ) already sent to Synchrony bank is BLANK for Delivery To, Delivery location and only states delivered to MyCity, MA for Delivered Location. There is NO address match. Theres no Zip code There is NO direct Signature!. Also this proof of delivery does not reflect that or was updated to reflect that on XXXX XXXX case ID XXXX the package was determined to be lost.
On XX/XX/2020 I sent a response to Synchrony bank charge back denial by online credit card account that they did not include the copy of the delivery ticket ( from Merchant? ) they did not include the copy of the Merchant 's response, Enclosure XXXX ( unless they us post mailed it ). I get no response.
It seems nobody can provide proof of my signed delivery for this Direct Signature required XXXX parcel I demand this charge be removed from my Synchrony bank XXXX XXXX XXXX XXXX store credit card ending in XXXX.
|
| 01/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/XXXX I used my Synchrony Bank Gap Visa card to purchase tickets in the amount of {$480.00} for a concert in XXXX, MN to be held XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX, the merchant, stating the concert was cancelled, would not be rescheduled and that I would receive store credit of 120 % of the full value of the order total. I live in XXXX, ND and XXXX is four hours away so if the concert wasn't happening I have no use or interest in credit with that store. On XX/XX/XXXX, I attempted to call the merchant at the number listed in their email. After waiting on hold for an hour and forty minutes, i had to hang up. That same day I emailed them back that I was not interested in store credit as I live too far away, I only bought tickets to see the concert that they cancelled and I had no interest in any other concerts and to please credit my money back to my credit card. The following day I received an email response saying the mailbox I emailed is not monitored. They gave me an option to chat so I did and conveyed the same info to the chat agent to which she responded that because the concert was cancelled for reasons out of their control she couldn't refund my money. On XX/XX/XXXX I contacted Synchrony Bank, servicer of my GAP Visa credit card and filed a dispute and provided the details and advised that the merchant was unable to provide me the purchased services by the agreed upon date. On XX/XX/XXXX I received a subsequent dispute form asking for more information which was everything I had already provided on the phone but I filled it out and sent it in that day. On XX/XX/XXXX I received a letter from synchrony bank stating credit was given for {$480.00} disputed amount and chargeback sent to the merchant and they have 60 days to respond. I received my XX/XX/XXXX statement from synchrony bank and it showed both a credit and a rebill for {$480.00} on XXXX XXXX. I called synchrony bank on XX/XX/XXXX and asked to speak to a supervisor in disputes and I was told I could not speak to anyone in disputes, only in customer service. I asked why I was credited and rebilled the same day and I was told it was because the dispute was resolved in the merchant 's favor! I explained to the representative my dispute, that the merchant was unable to provide the purchased concert service, the concert hadn't been rescheduled and even if it was rescheduled, a later date would not work for me. The customer service rep agreed it should be a " no brainer '' that I get my money back for a concert that was cancelled and she reopened my dispute. I never did receive a letter from synchrony bank explaining that they resolved the dispute in the merchant 's favor. Today, XX/XX/XXXX I received a message from synchrony bank on my Gap visa credit card app telling me " a credit will not be issued because I entered into an agreement with the merchant for the charge in question. As the merchant sets the policies regarding cancellations or refunds, please contact the merchant directly for any additional questions. '' I tried to contact the merchant before I opened the dispute and that's why I opened the dispute! I'm so frustrated with Synchrony Bank! And the agreement I entered into with the merchant was for tickets for a concert service to be provided on XX/XX/XXXX and the merchant failed to honor that agreement ; terms and conditions do not apply when the merchant is unwilling or unable to provide the agreed upon services by the agreed upon date. Therefore the contract is void and I should get my money back! I called Synchrony Bank Gap Visa today and again asked to speak to a supervisor in disputes and I was told I could not so I asked for a manager in customer service. I was transferred to XXXX id # XXXX and asked if I could be transferred to someone in disputes so I could explain my dispute and he told me " our disputes department does not speak to customers '' but that he could take my information to them. I explained that my claim was handled incorrectly and I was out hundreds of dollars, had received no service for what I had paid and the concert was never rescheduled. I had already conveyed all this information to the last customer rep who reopened my dispute on XX/XX/XXXX so I didn't feel it would do any good to convey the whole story again. A friend of mine who works in banking suggested I come here for help since my credit card company is failing me. Please help me.
|
| 08/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
NOTICE OF DISPUTE, NOT A VERIFICATION OF DEBT.
Non-Negotiable Ashley Furniture Account Ending in XXXX Thank you for the letter I received XXXX of 2023 that your institution recently sent me expecting payment for an alleged debt, and your claim is disputed under 15 USC 1692 et seq. Please furnish me with the following information : XXXX. Evidence that Synchrony Bank/Ashley Furniture has used its own capital, funds, money or money equivalents to pay for any charges on the alleged account.
XXXX. Evidence that banks ' funds, other than consumer 's notes, were used to pay for charges on the alleged account, proving that Synchrony Bank/Ashley Furniture did not receive " something-for-nothing ''. vv XXXX. Evidence that Synchrony Bank/Ashley Furniture disclosed the above information in their agreement prior to soliciting applicant to become bound by it.
XXXX. Evidence how Synchrony Bank/Ashley Furniture has complied with federal statutes directly or indirectly ( as stated herein ), thereby avoiding the use of false, deceptive or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, which constitutes fraud.
XXXX. Evidence that due to the securitization of the initial outstanding balances of the alleged account, Synchrony Bank/Ashley Furniture is a holder in due course and therefore can incur a loss or make a valid claim.
See : https : //www.fdic.gov/regulations/examinations/credit_card_securitization/ch2.html XXXX. Evidence that when accounts are overdue, Synchrony Bank/Ashley Furniture does not receive a payoff of the amount due from insurance, whose premiums were unknowingly funded by the so-called borrower.
XXXX. A complete statement of Damages, including each and every loss that Synchrony Bank/Ashley Furniture incurred under the alleged agreement.
XXXX. A copy of any insurance claim having been made by Synchrony Bank/Ashley Furniture regarding this account.
XXXX. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website.
XXXX. The name, address and telephone number of Synchrony Bank/Ashley Furnitures CPA auditor .
XXXX. Verification that this alleged debt has been or has not been assigned or sold to a third party.
If you can not verify this debt by the above listed means, then what right do you have, under the Fair Debt Collection Practices Act 15 USC 1692, to show a Charge Off? I do not give you permission to report transactions or experiences concerning XXXX XXXX. " Fraud vitiates the most solemn Contracts, documents and even judgments '' [ U.S. vs. Throckmorton, 98 US 61, at pg. 65 ] I demand that you report this Notice of Dispute to the three major credit bureaus immediately. You are required by law to do so. See 15 USC, section 1681s-2 ( b ) ( C ). If any negative mark is found or continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character.
In order to settle this matter, I am sending this letter via certified mail. And I am sending an affidavit for you to sign confirming that you have read the agreement, that you understand GAAP, the bookkeeping entries, accounts receivables and deposits, the banking laws, and the Federal Reserve banks policies and procedures.
Failure to validate the debt within XXXX ( XXXX ) days by signing the affidavit confirms that no further action will be taken and an absolute waiver of any right to collect the alleged debt. Furthermore all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
This notice also constitutes a Notice to Cease Telephonic Communications. Non-compliance with this request will violate the Telephone Consumer Protection Act 47 USC 227.
NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
Thank you very much and best regard.
Sincerely,
|
| 06/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
On XX/XX/XXXX, JC Penney sent a letter to me, XXXX XXXX XXXX, included in this complaint as part of the uploaded documents, in which they wrote that XXXX XXXX which administrates their credit card decided to reduce my credit limit from {$1000.00} to only {$370.00}, without contacting me as a customer before making this decision, and no matter I have an excellent payment history with them, as shown in the same XXXX XXXX Report Included, of today, XX/XX/XXXX, courtesy of XXXX XXXXXXXX XXXX and their XXXX XXXX website, see evidence included.
Basically XXXX XXXX decided to use a credit score system to predict my creditworthiness, and decided that there are past due amounts on some accounts, and too high balances on credit cards, but, XXXX XXXX and JCPenney did not mention the following : 1. This problems are present in other accounts, not with JCPenney, in which my payment record is perfect ; 2. Banks like XXXX XXXX XXXX XXXX, listed my main credit reference, the mortgage loan, as affected by natural disaster, the well known Hurricane Maria who destroyed this Island of Puerto Rico, but JCPenney and their Bank, just mention their credit scoring system, nothing else ; 3. The main credit card with the problem of a past due balance, is my oldest credit reference dating from the year XXXX, a XXXX Credit Card, which has a past due balance, but XXXX is well aware of the problem which was discussed with XXXX several times, over the phone and in writing, and evidence of just one of those communications is included here. Simply this card was used under the emergency and the balance went over the limit, and XXXX is asking for a minimum payment that they know I can't afford, now more than 700 dollars ; 4. No matter, this same XXXX card with the problem keeps receiving payments on my part, but just the regular payment that can't fully update its balance ; 5. The other XXXX card, a newer one, has a high balance but it is within the limits ; 6. I contacted JCPenney today, XX/XX/XXXX, with my Son XXXX XXXX XXXX typing in English on their online chat service, that it was unfair on their part to reduce my credit limit from XXXX to XXXX dollars, just because they predict problems, no matter my payment history with them is perfect, in spite of all the problems we have that they don't care at all, with this disaster already mentioned but not by them. 7. JCPenney informed in their letter of XX/XX/XXXX that my credit score at XXXX XXXX was XXXX on XX/XX/XXXX, but today XX/XX/XXXX my score at XXXX XXXX is just XXXX points, and by unfairly reducing my credit line at JCPenney they created the unfair situation that I had no credit with them available, making my credit score even worse, unfairly because my payment history with them is perfect, and that is not based on a scoring system and a credit report they used unfairly, and in a discriminatory manner against me as a matter of fact, my payment history is not based on predictions, but on a perfect payment history month after month, shown at XXXX XXXX even today XX/XX/XXXX. Is totally unfair that in the middle of all this, JCPenney allows this using unfairly my XXXX XXXX Credit Report : and Why they sent a letter dated XX/XX/XXXX, with reference of a credit report from XX/XX/XXXX? From 2 months before? JCPenney decided not to include a XXXX XXXX Credit Report from XX/XX/XXXX, probably because they unfairly contributed to lower my credit score even more with this action a reducing my credit line, for problems I don't have with them. This is discriminatory, probably due to my age, to tell you exactly what I think with my Son XXXX XXXX XXXX writing this complaint on my behave. Please see all the included evidence to support my claim, including the chat transcript of today, XX/XX/XXXX, where their XXXX XXXX Chat Representative asked me if I wanted to ask for a credit line increase, which is evidence that the chat representatives are not really aware of the problem, because another hard pull on my credit report under these circumstances will unfairly lower my credit score even more, I mentioned their Agent, that I understood he was not authorized to do anything, but he offered to file a complaint on my behave, that I had nothing to worry, after I announced I will formally complaint about this, please see the chat transcript, and the partial transcript which clarifies a part that I was not able to print on time because their web site logged out.
|
| 03/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
FORMAL COMPLAINT Formal Request Account Number Ending in XXXX My name is XXXX XXXX, and I am writing to you, to request the removal of all negative payments from my credit report ( XXXX, XXXX, XXXX ). In support, I want to state the following : 1. The account was opened on XX/XX/XXXX.
2. On XX/XX/XXXX, I entered into a verbal agreement with Synchrony Bank, due to COVID19 financial complications.
3. On XX/XX/XXXX, I received a Synchrony Bank letter that laid out the COVID19 recovery plan I was enrolled and approved for.
A. A 60-month special payment plan program set to expire on XX/XX/XXXX B. The plan reduced the monthly minimums to {$36.00} per month.
C. A reduced interest rate of 0 % APR will be applied to your next billing cycle.
D. The account is closed for future purchases.
E. The Customer Assistance Plan extends up to 60 months from the date of this letter, unless completed or terminated earlier. ( Maturity date was extended ) The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) will provide emergency assistance to healthcare providers, individuals, families, and businesses affected by the novel Coronavirus ( COVID-19 ).
The CARES Act protection covers a " covered period '' as the period starting XX/XX/XXXX, until 120 days after the end of the national state of emergency declaration, which is XX/XX/XXXX.
If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).
In XX/XX/XXXX, my statement was around {$250.00}, and in XX/XX/XXXX, my statement dramatically increased to around {$1600.00} ( 84.76 % fee increase ).
Meanwhile I was still current, I was informed over the phone the interest were going to be removed, since I was in a COVID19 program.
I requested a new statement, because I was completing all my payments and I did not want any issues.
The representative assured me that a new statement would be sent out, and I could pay the amount I owed, which was around {$250.00}. I never received the corrected statement.
I was later informed that the 84.76 % fee increase was due to a special promotion which incurred backup interest, and this goes against the written agreement ( A reduced interest rate of 0 % APR will be applied to your next billing cycle and payment plan program set to expire on XX/XX/XXXX ), received on XX/XX/XXXX. ( See enclosed ) When I agreed to COVID19 Cares Act program, Synchrony Banks representative misrepresented material facts, when asked about backup interest : NO BACKUP INTERESTS WILL BE ADDED. ONLY PAY WHAT YOU CURRENTLY OWE.
This above behavior goes against Synchrony Banks Code of Conduct, which states : Each employee, officer and director should protect the Companys reputation by dealing fairly and honestly with Synchrony Financials clients, customers, service providers, regulators, employees and the public. No one should take unfair advantage of another through manipulation, concealment, abuse of privileged information, misrepresentation of material facts or any other unfair practice. We are committed to customer transparency and fairness.
Our Policy : Promote fair customer treatment and prevent unfair, deceptive or abusive practices and illegal discrimination Moreover, the misrepresentation and concealment of material facts from the call to the written agreement goes against : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive, or abusive act or practice.
I am formally requesting the removal of all negative history from my credit history due to : 1.COVID19 Cares Act program with a written contract. ( See enclosed ) 2.COVID19 Cares Act program written contract overrules the old agreement.
3.Synchrony Banks representative concealed and misrepresented material facts on our call.
Synchrony Banks unfair, deceptive, and abusive practice have caused me extreme financial hardship for over two years and with this letter I am requesting for all the negative history to be removed from my credit bureaus ( XXXX, XXXX, XXXX ) as soon as possible.
Thank you in advance and I hope to hear from you as soon as possible. This is an urgent matter.
|
| 02/21/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
In XXXX, I opened a Synchrony XXXX account and was awarded a {$2000.00} credit line.
I was told that I would be able to use the balance for an online purchase right away. That didn't turn out to be the case, the transaction I tried to carry out on Synchrony XXXX with the account was declined.
When I called them to report the problem, they insisted it failed as I was trying to make a purchase without the actual physical card. I found that to be quite unlikely seeing as all the account information needed to make the purchase was available, so whether or not I had a physical card in my hand making an online purchase or not, was obviously not logical.
I called back to speak to another representative to report what I had been told and verify it against the first person 's account that it would be usable. I was told the account should work, and that no, it didn't require the card.
Over the next two days, I tried to make purchases but to no avail. On one occasion, a representative from XXXX called Synchrony to execute the transaction with them on the phone ( see attachment message from XXXX at XXXX ).
On my fourth call to customer service over that time, I asked them to delete the account so it wouldn't show on my credit report, as they seemed to have issued me an account that was not functional at XXXX where it was supposed to be used, and were clearly incapable of repairing the error.
At one point a year or so later, I tried to purchase a device on XXXX online and the account appeared in my available payment options. Curious, I attempted to use it but the purchase never went through, despite, apparently, the account still being open. I once again thought it was some sort of error that it still appeared available, but that it didnt work as it was closed.
I couldnt check this, as the account was never listed in my Synchrony bank profile, where I have two other active cards. I have included a screen shot of that account overview where the card does not appear, also a screenshot of XXXX offering the card as a payment option as of today.
So, not only did Synchrony issue me an account that was impossible to use, marking an inquiry into my credit for no reason, but they failed to close the account as requested, never sent me any statements and didnt include the account on my Synchrony profile.
I found the account nonetheless existed as it turned up on my credit report seen from the XXXX XXXX app as two accounts closed from Synchrony XXXX. I had seen these XXXX closed accounts before, but thought it was my Synchrony Care Credit and Guitar Center cards that looked closed from when Synchrony took the accounts over from XXXX, as there was no indication it was XXXX. I was going to look into having that removed when I discovered this issue.
As stated on my credit report, two separate accounts reported to have been opened on the same day, then closed on the same day Synchrony XXXX.
Speaking with them today, XX/XX/XXXX, requesting that they inform the credit bureaus of the error both in the reporting of the account ( as it was dysfunctional ) as well as in the reporting of two separate accounts, whereas there was only ever one, they claim that they do not do that.
They went on to quiz and taunt me in a snarky tone, as to how there was no record of me asking to close the account. He pressed me on how did I do it, as if calling their rep and making the request that they didnt comply with or notate, was my failure. No response to my query of how they should offer accountability for the account not functioning.
The rep did tell me that apparently, there was a record of the account being 'lost ' a month or so later. He claimed that that was when they created a new card and a thus second account. Ive never heard of a replacement card causing a second account to be generated. I do not think this is accurate.
Hard facts are : The account they provided me never worked and thus was inactive. They closed it due to inactivity, that inactivity being due to the fact it was unusable. They reported two accounts to the credit bureaus to have been opened and closed on the same day.
These two issues, the fact that the account never allowed purchases, and they fact they reported two separate accounts are entirely Synchrony XXXX responsibility. They are refusing to make any attempt to rectify their negligence and repair the damage done to my credit report.
|
| 01/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American, Servicemember |
|
My Synchrony XXXX XXXX account was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX I mistakenly made a payment of {$2600.00} to the old Synchrony account. When the XXXX statement came showing a missed payment of {$2600.00} I discovered the error and called the number on the back of my Synchrony XXXX XXXX XXXX and was connected to XXXX. They said they would correct the error and no interest would be charged, I just need to fax my bank ( XXXX XXXX XXXX XXXX ) information showing the transaction.
This I did on XX/XX/XXXX. When the XXXX statement arrived and no correction had been made, I called again and was told it could take up to two billing cycles to clear. XXXX came and still no correctio and I called. They then told me my fax needed to have a statement from the bank showing the transaction with a tracing number. I immedatly went to the bank and they mailed me the requested information ( attached ) and I faxed XXXX this information on XX/XX/XXXX. XXXX came and still no correction. I called them and they said they only received the cover sheet from my fax. I was frustrated and asked the XXXX representative ( XXXX ) for a good number to call Synchrony Bank myself and he gave me XXXX. This was XX/XX/XXXX, XXXX. The representative was helpful, sent me a replacement copy of the Synchrony XXXX XXXX statement showing the {$2600.00} credit balance ( attached ) and that he would submit a request for refund and it would take up to 17 business days to receive a check. I received an e-mail from Synchrony asking for me to take a survey on how the dispute was resolved. I did not open it as the 17 days had not expired so in my mind it had not been resolved yet. When I did not get any response after 17 days, I opened the email and it said it had timed out and I could not submit a response.
I called back to Synchrony on XX/XX/XXXX and was told they would resubmit the request and it would take XXXX weeks.. I grew leery and called back after about a week and was then told that my account was closed and they could give me no more information. I was passed off to XXXX. I was told by XXXX to refax the information they said they only received the corer page on. This I did on XX/XX/XXXX. They said they did not receive it at all, so I resent it again on XX/XX/XXXX, XXXXThe representative I spoke to on the XXXX had told be to call back in the evening and insist they tell me if they received it. This I did and it appeared to annoy them but was finally told they had it but " unfortunately, Synchrony had my money and I would have to deal with them ''. I immediately called Synchrony and this time the automated answering service no longer recognized my Synchrony account number and I had to go through a torturous process to get a live representative, but even at this time he could see the {$2600.00} balance and gave me a fax number to sent my bank transaction Info. Fax number XXXX XXXX. On XX/XX/XXXX XXXX The XXXX XXXX tried twice to send it and both times it failed. I called back the same day And the Synchrony Rep ( XXXX ) gave me the same fax number but I asked to speak to a Supervisor. This supervisor said I needed to take it up with my Bank and she offered to do a conference call. I agreed and she called XXXX XXXX XXXX XXXX, but by the time I got through their automated answering service, The lady from Synchrony was no longer on the line. I called XXXX again a exhausting process - and again the reps name was XXXX XXXX He again saw the {$2600.00} and I asked to speak to a supervisor. This time I was met with hostility and was told XXXX had purchased those accounts and all balances were automatically transferred to them and Synchrony no longer had access. I told her " XXXX had just looked it up and told me he saw the {$2600.00}. She said she did not know who XXXX was and repeated the same spiel. I tried to get her to tell me the date and amount of the " XXXX '' transfer took place and she angrily said she had told me XXXX times that Synchrony no longer had access to the account. after about XXXX minutes we ended the call.
I have sent certified letters to both Synchrony and XXXX to aske that they resolve this issue. Yesterday I drove down to XXXX to what was suppose to be a Synchrony Bank but when I arrived I was told they had moved out and now had only call centers.
It is my sincere hope that this complaint will help end this XXXX XXXX XXXX
|
| 10/20/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Friday, XX/XX/XXXX Synchrony Bank/XXXX XXXX : At XXXX, I received an email from Synchrony Bank/XXXX XXXX that I had a statement balance of {$3000.00}. I immediately called XXXX XXXX to report the charge as fraudulent and they told me there were two charges : o Monday, XX/XX/XXXX {$120.00} o Wednesday, XX/XX/XXXX {$2900.00} || Monday, XX/XX/XXXX XXXX Police Department : Filed a police report with the XXXX Police Department ( XXXX-XXXX-XXXX ). Report # XXXX. XXXX XXXX.
|| Thursday, XX/XX/XXXX Synchrony Bank/XXXX XXXX : At XXXX, I received an email from Synchrony Bank/XXXX XXXX that I had a statement balance of {$3000.00}.
|| Friday, XX/XX/XXXX I submitted a message via the online Consumer Center citing the phone call I made on XX/XX/XXXX disputing the charges.
|| Friday, XX/XX/XXXX Synchrony Bank/Synchrony Fraud Solutions Team ( XXXX XXXX ) : I received a Claim Review Completed letter stating my claim was unable to be approved because The purchased item ( s ) were shipped to your address.
I called the phone number on the letter ( XXXX ) and spoke to XXXX who reopened my case for 30 days. XXXX advised me to contact directly the XXXX XXXX store in XXXX, MI. I suggested that Synchrony Bank call directly the XXXX XXXX store in XXXX, MI but was told she could not do so.
I called the XXXX XXXX store in XXXX, MI ( XXXX ) and spoke to XXXX who verified that the order had been picked up and not delivered. I suggested that XXXX of the XXXX XXXX store in XXXX, MI call directly Synchrony Bank but was told she could not do so.
|| Monday, XX/XX/XXXX XXXX XXXX Corporate Loss Prevention : I received a call from XXXX of XXXX XXXX Corporate Loss Prevention ( XXXX ) explaining she had spoken to XXXX of the XXXX XXXX store in XXXX , MI. XXXX advised I call back the Synchrony Bank/Synchrony Fraud Solutions Team to update their records that the order had been picked up and not delivered. I suggested that XXXX of XXXX XXXX Corporate Loss Prevention call directly Synchrony Bank but was told she could not do so.
|| Tuesday, XX/XX/XXXX Synchrony Bank/Synchrony Fraud Solutions Team ( XXXX XXXX ) : I called the phone number on the letter I received on XX/XX/XXXX ( XXXX ) and spoke to XXXX . XXXX stated the only thing he could do was send me a letter packet where I could appeal in writing in my own words. I suggested that Synchrony Bank call directly the XXXX XXXX store in XXXX, MI but was told he could not do so.
|| Wednesday, XX/XX/XXXX Synchrony Bank/Synchrony Fraud Solutions Team ( XXXX XXXX ) : I called the phone number on the letter I received on XX/XX/XXXX ( XXXX ) and spoke to XXXX advising that I had never received the letter packet mentioned by Carl on XX/XX/XXXX. XXXX said hed mail another letter packet. I suggested that Synchrony Bank call directly the XXXX XXXX store in XXXX, MI but was told he could not do so.
|| Thursday, XX/XX/XXXX Synchrony Bank/Synchrony Fraud Solutions Team ( XXXX XXXX ) : At XXXX, I received a voice mail, Hello my name is XXXX calling from Synchrony Bank . Im trying to reach XXXX XXXX. If you could please give us a call back at XXXX wed appreciate it. Thank you. Have a nice day.
Synchrony Bank/Synchrony Fraud Solutions Team ( XXXX XXXX ) : At XXXX, ONE MINUTE LATER, I returned the call ( XXXX ). The call was answered by XXXX. XXXX informed me that the investigator had left no notes or questions and he didnt know why I had been asked to call back and instructed me to disregard the phone call. I told XXXX that I did not feel comfortable disregarding the phone call and to please document that I called immediately back. XXXX confirmed that he would update the record to show I had called back immediately.
Synchrony Bank/Synchrony Fraud Solutions Team ( XXXX XXXX ) : Mailed Fraud Investigation Form to : ATTN FRAUD DEPT/XXXX SYNCHRONY XXXX XXXX XXXX XXXX OH XXXX || Sunday, XX/XX/XXXX Synchrony Bank/XXXX XXXX : At XXXX, I received an email from Synchrony Bank/XXXX XXXX that I had a statement balance of {$3000.00}.
Synchrony Bank/Synchrony Fraud Solutions Team ( XXXX XXXX XXXX : At XXXX, I called the phone number on the letter I received on XX/XX/XXXX ( XXXX ) and spoke to Ice ( female ). I advised Ice that I received a statement balance email and wanted to know the status of the fraud investigation. Ice told me that the investigators are not available until XXXX and I must call back this same number at or after XXXX.
|
| 01/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/XXXX, a contract was entered into with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) for completion of two exterior hardscape projects at our home address. An addendum to the contract was also signed on XX/XX/XXXX for an addition to the backyard project scope.
The first project was for backyard improvements in the amount of {$58000.00}. The second project was for front balcony XXXX in the amount of {$7200.00}. So, the total for the two projects was {$65000.00}.
The two projects were to be financed through two Synchrony Bank cards ( one in my name XXXX XXXX for {$35000.00} ( + {$29.00} activation fee ), and one in my wife 's name XXXX XXXX for the remaining project balance of {$30000.00} ( + {$29.00} activation fee ) with a special XXXX, no-interest financing promotion. Original statements showing the charges can be provided by your request. The Synchrony Bank address we sent our letters to is XXXX XXXX XXXX, XXXX, FL XXXX.
The contracts signed for the cards on XX/XX/XXXX, stated that the cards would not be charged until the projects were complete. However, XXXX XXXX XXXX XXXX XXXX charged the full amounts to the two cards before any work was even started and Synchrony allowed those charges to occur ( charges levied on XX/XX/XXXX and XX/XX/XXXX. In my opinion, this is a violation of the terms of the credit card agreements.
The backyard project ( {$58000.00} + {$29.00} ) was finally completed in XX/XX/XXXX ( see attached email string between myself and XXXX XXXX XXXX XXXX XXXX ). However, on XX/XX/XXXX, XXXX XXXX XXXX XXXX stated they could not perform the balcony improvement project work and agreed to cancel the project and refund the {$7200.00}. I confirmed my conversation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the cancellation and refund of the balcony project amount of {$7200.00} via email to XXXX XXXX XXXX XXXX XXXX office manager XXXX XXXX ( attached ).
We began to get the runaround from XXXX XXXX XXXX XXXX XXXX about the refund, with XXXX XXXX stating she would forward my information to " Upper Management ''.
With no refund forthcoming by XXXX XXXX, we wrote to Synchrony Bank initially on XX/XX/XXXX. I stated in my letter that I disputed the charge of {$7200.00} because the work was never performed and also pointed out that the card never wasn't supposed to be charged in the first place until the project was completed. Synchrony Bank responded with a form letter saying that their investigation would take up to 60 days and that they would advise us of the outcome. We did not receive a response at all from Synchrony. In following up with a Synchrony Bank customer dispute supervisor by phone on XX/XX/XXXX, we were advised that the investigation had been closed, but she couldn't understand why from the notes. She stated the dispute would be reopened based upon the information we provided her on the phone call. Again, we never received a response from Synchrony Bank. We wrote to Synchrony Bank again on XX/XX/XXXX and again on XX/XX/XXXX. In my XX/XX/XXXX letter, I told Synchrony Bank I expected them to respond within XXXX weeks given the already lengthy delays I'd experienced. I also sent a copy of the XX/XX/XXXX letter and attachments to XXXX XXXX XXXX XXXX XXXX. As of today, XX/XX/XXXX, I still have not received a response from Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX. In attempting to call Synchrony Bank last week to get a status update, I was on hold for XXXX minutes before the phone was answered. When I explained the situation and asked to speak with a supervisor, I was told I'd be put on hold for a brief XXXX minutes and then a supervisor would come on the line. After waiting another XXXX minutes, I hung up in total frustration with Synchrony Bank.
In my opinion, fraud has been committed by a dishonest general XXXX company, XXXX XXXX XXXX XXXX XXXX XXXX, and resolution of this crime has not occurred because of both their dishonesty and by Synchrony Bank for allowing XXXX XXXX XXXX XXXX XXXX XXXX to violate the terms of the credit card agreement with us by charging the accounts before any work was performed, and then failing to respond to our numerous dispute letters. Please assist us in getting this matter resolved and a credit issued in a timely manner. Also, please don't hesitate to get in touch if you need additional documentation.
Respectfully, XXXX XXXX
|
| 05/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to dispute a charge of ( {$330.00} ) to the credit account I had closed on XX/XX/2023. A new credit account was opened in my name ( XXXX XXXX ) by SYNCHRONY BANK after XX/XX/2023 for the charge of ( {$330.00} ). The charge ( s ) are in error because I did not authorize the following transaction ( s ).
I was a member with SYNCHRONY BANK for many years through two different companies ( Ashley Furniture Store and Sams Club ). I have made several transactions between both companies and have always paid my debt transactions in full.
However, in XXXX, someone had made an unauthorized transaction with my credit account number through Sams Club. This prompted me to notify SYNCHRONY BANK back in XXXX of XXXX to inform them that the charge ( s ) were in error because I did not authorize the following transaction ( s ). I was told by a customer service technician back in XXXX of XXXX that I would not be responsible for the unauthorized transaction ( s ). I requested that my account be closed because it was clear that someone had my credit account number ; and I did not want my credit history to be tarnished.
Towards the end of XX/XX/2023, I received another statement from SYNCHRONY BANK informing me that I owed {$140.00} by XX/XX/2023. I did not act on this information because I was assured by a customer service technician back on XX/XX/2023 from SYNCHRONY BANK that this matter had been resolved and the credit account had a XXXX balance. SYNCHRONY BANK took it upon themselves to open a new credit account in my name, XXXX XXXX, with the following charge ( s ) listed at the top of this paragraph. I did not authorize the opening of this new credit account ending in????. Towards the end of XX/XX/2023, I received another statement from SYNCHRONY BANK informing me that I owed {$190.00}. I asked a witness to stand in my place and speak to another customer service technician at SYNCHRONY BANK. The customer service technician assured this witness that ALL unauthorized transaction ( s ) would be cleared from the following account ending in????. The witness requested that this information be placed in an email form and sent to XXXX XXXX The customer service technician informed the witness that I had to wait fivXXXX days before requesting in writing that the credit account ending in???? had a XXXX balance and that the credit account was closed. On XX/XX/2023, I sent a typed letter to SYNCHRONY BANK. The letter was ATTN : To Billing Inquiries Division. The letter was sent to SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, FL XXXX. I had included the prior conversation between their customer service technician and the witness. Also, I requested in the letter that SYNCHRONY BANK provide me proof in writing that the credit account ending in???? showed a XXXX balance and the credit account closed.
Towards the end of XX/XX/2023, I received another statement from SYNCHRONY BANK informing me that I owed {$230.00}. And immediately after receiving the statement, I received a Letter of Collections informing me that I owed {$230.00}. Again, I did not react immediately because I sent a letter dated XX/XX/2023 and was waiting for an updated letter showing that this matter had been resolved.
Towards the end of XX/XX/2023, I received another statement from SYNCHRONY BANK informing me that I owe {$220.00}. And immediately after receiving the statement, I received a Letter of Collections informing me that I owed {$220.00}. On XX/XX/2023, I called SYNCHRONY BANK and spoke with a customer service technician and while explaining the situation with her, she interrupted my conversation and asked me to hold. A new customer service technician took my call and I explained to her all the steps of communication that had taken place from XX/XX/2023 till XX/XX/2023. The customer service technician asked, What was the date of the transaction? I explained, The Transaction Details dated back from XX/XX/2023. The customer service technician asked me to hold. SYNCHRONY BANKS communications line was disconnected.
On XX/XX/2023, I discovered The Federal Trade Commission Consumer Advice. On XX/XX/2023, I called and spoke with a representative from this agency. I was informed to sit down and type out in detail all experiences that took place and put in a letter form. Also, I was informed to make sure that I sent all correspondence in an attachment file along with this letter for review.
|
| 10/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Customer Care Representative, Reference account number : XXXX.
I have held accounts with your finical establishment from various companies however, I have never experienced such unprofessionalism as I have recently with Care Credit and Synchrony Bank. Since it appears this complaint overlaps with potential unprofessional and unethical business practices regarding both XXXX XXXX XXXX and ethical practices involving a practicing dentist, both Agencies ; Consumer Financial Protection Bureau and the Virginia XXXX XXXX XXXX, will be included.
On XX/XX/XXXX, while in severe pain and on various pain medications for a debilitating back condition, I was given a low ball estimate for XXXX front crowns ; {$370.00} - {$1700.00}, which I still question the validity of the second crown. At the same time the dentist was over eager to replace XXXX additional front XXXX which I would not approve. This dentist is always XXXX eager to attempt replacement of back crowns with chipped porcelain and other unnecessary dental. In the XXXX timeframe, while attempting to recover from my second back XXXX, I began receiving bills from VA XXXX XXXX XXXX amounts which far exceeded my original quote.
On several occasions I attempted to resolve this matter with VA XXXX, only to have found XXXX XXXX to be filled with frustration, rude and unprofessional behavior. Furthermore, I find my treatment after my longevity with this practice to be unethical and insulting. I am currently making exceptional progress towards recovery from long term XXXX which brought about some temporary physical and fiscal set backs. This was all described in detail to both XXXX XXXX and the XXXX XXXX, along with possible repayment options. It should also be noted that although I requested to speak with XXXX XXXX XXXX, I was always rudely denied.
On XX/XX/XXXX, I spoke with XXXX XXXX regarding a potentially placing {$1000.00} of my outstanding debit on my Care Credit Account. The forms were sent to me however, I contacted XXXX XXXX the next day and informed her the option of making monthly payments from my XXXX account was I could afford the that time. I requested that she send me the Credit Card XXXX XXXX XXXX, but I never heard from XXXX XXXX again ; she refused to return or take my calls. Regardless, of XXXX XXXX never receiving my signed authorization, she on her on authority, submitted a charged against my Care Credit Card, in the amount of {$1000.00}. Furthermore, I had to XXXX XXXX to VA Smiles to obtain and sign Credit Card Preauthorization Agreement.
In XX/XX/XXXX, I received a statement from Care Credit depicting a {$1000.00}, debit against my account, at which time I contacted XXXX at XXXX and submitted a dispute, as again, this charge was never authorized. On XX/XX/XXXX, I received confirmation that my dispute was being reviewed ( attached ) and on XX/XX/XXXX, I received a letter stating that the dispute was resolved and {$1000.00} was credited back to my Care Credit Account.
Recently, I received my Care Credit XXXX ; expecting it to have a XXXX balance I was surprised to see a {$1000.00} balance, with an XX/XX/XXXX, due date. In an attempt to address this matter, once again, I first contacted Care Credit and was connected with an extremely incompetent and unprofessional representative who told me that the charges were again placed against my account, because I authorized them. When I questioned if she was able to review my notes or see the letter dated XX/XX/XXXX, she was unable to clearly articulate its content. As Ive come to expect when dealing with similar situations, when I asked to speak with a supervisor I was place on the eternal hold. So I called the Synchrony Bank phone number for reporting fraud, but to no avail, after XXXX minutes waiting for XXXX to investigate my matter she unable, so I informed her that our conversation would be followed by this letter.
This matter, put plainly, should have been addressed months ago. There was an unauthorized charge place on my account, to rectify this matter, these unauthorized charges should be credited back to my account with no negative ramifications, as stated in the Synchrony Bank letter dated XX/XX/XXXX. Furthermore, the unprofessional and unethical behavior displayed by employees of VA XXXX should be investigated to prevent similar future occurrences.
|
| 09/07/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have a CD account at Synchrony bank that was maturing XX/XX/. I wanted to close the CD at maturity. There is no way to close a Synchrony CD on-line ; it must be done over the phone. On XX/XX/, I called and spoke with " XXXX. '' I told him that I wanted the CD in question closed at maturity, with the proceeds sent to me with via a signature-on-receipt type of delivery. The call took at least half an hour, with me being on hold for prolonged periods of time. At the end of it, I was told that the maturity / closeout instructions had been submitted and that I would get the check within 7 to 10 days of the date the CD matured. On XX/XX/XXXX I logged on to Synchrony Bank to check on things, only to find that the CD had automatically renewed. I called Synchrony immediately and spoke with " XXXX. '' He said the computer information was incorrect and a check was on its way. At first he told me that the check had been cut the previous day and was being sent with signature required for delivery via XXXX XXXX. When I asked for the XXXX XXXX tracking number, he clicked around on the computer for a bit, put me on hold, etc., then eventually came back and said, well, it was sent yesterday, but apparently it's just coming in the regular mail. ( OK, well, not what I asked for, and there's nothing I can do to change the situation ... hopefully it will get here. ) Then the morning of XX/XX/XXXX I got an email from Synchrony to let me know that the CD had renewed. ( Yes, the CD that I specifically asked to cash out, TWICE, before getting the message. ) I again called Synchrony for another long ( 30-45 minute ) call, this time with " XXXX '' (? ), again with multiple periods of being on hold. I explained the situation. " Your system and your emails indicate that the CD I want to cash out has auto-renewed, when I have requested that it be closed. '' She looked into things, and first she told me that the check process had been completed on the XXXX ( today ) and that I should get the check in 7 to 10 days. ( Note that this is different from what " XXXX '' told me the previous day -- he said the check was already in the mail ). When I asked why, then, did the account information on line say that it had auto-renewed, she said that the computer reflected an automated process and was not showing the correct information and basically not to worry about it. I wanted to verify that the check was coming via a signature-on-delivery method, and she said she would have to check. More on-hold time. Then she came back on the phone and said that, well, actually the check HADN'T been cut yet after all, but that the process had now been started ( remember, this is my THIRD phone call and THIRD attempt to get the CD closed! ). She would have to check with her manager about sending the check signature-on-delivery. Then she hung up on me when she was trying to put me on hold. As I was trying to get reconnected with the bank, she did call me back. Then she promptly put me on hold again. She came back and said that yes, it was approved, the check would be coming via XXXX XXXX, it was being sent out today ( XX/XX/XXXX ) but could not provide me with a tracking number ; she said I'll have to call back tomorrow and get that. At this point, I am mystified at why it has taken THREE ATTEMPTS ( and based on what's happened so far, may take more ) to get this CD closed and to get my money back. I think they are fraudulently trying to get it to auto-renew, stalling me until everything 's past the grace period to a point in time where I won't be able to cash it out without penalty. Since you can't close a Synchrony CD on-line, I have no written proof other than cut-and-paste to a XXXX file of a message I sent them yesterday. They say they have recordings of our conversations, but that really doesn't help _me_ any. I requested written acknowledgement of the CD closure and the delivery instructions, but was told that they were unable to do that. I have received no written verification from them that they are actually closing the CD as per my wishes ; instead, I keep seeing and getting emailed information that the CD has renewed. This is either incompetence or fraud. I'm beginning to think the latter, especially when I have looked at other reviews about and complaints about Synchrony. Closing a CD should be simple. I have never had these sorts of issues with any other bank.
|
| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I would like to file a complaint on XXXX because I have been disputing two accounts XXXX XXXX and XXXX XXXX since XXXX XXXX XXXX XXXX results always come back Updated and XXXX has supplied me with many results over the course of my 1st initial dispute and my recent results. In every results XXXX generates for me there is NO NOTICE OF DISPUTE in the COMMENT CURRENT section in regards to each account.
XXXX XXXX has a current comment Account paid in full for less than full balance XXXXXXXX XXXX has a current comment Account closed at credit grantors request To my understanding in the FCRA 1681i ( a ) ( 2 ) ( A ) before the expiration of the 5 business day period beginning on the date on which a consumer reproing agency receives notice of a dispute from any consumer, the agency SHALL provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice SHALL include all relevant information regarding the dispute that the agency has received from the consumer.
Since XXXX has generated me with results over the course of my first initial dispute regarding both of these accounts. XXXX is claiming under oath that XXXX has sent notice of my dispute to these creditors including all relevant information.
According to 1681s-2 ( a ) ( 3 ) these creditors have a duty to provide a notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is dispute by the consumer.
Both of these accounts DO NOT have a notice of dispute nor have ever had a notice of dispute proving that a investigation has been conducted properly by XXXX or these creditors.
My last indirect dispute sent to XXXX was on XX/XX/XXXX was based on the fact that there was no notice of disputes in the comments sections of my report.XXXX has generated me with results on XX/XX/XXXX and AGAIN these accounts come back updated with NO NOTICE OF DISPUTES in the comment current section. If you look at the BEFORE and AFTER results on BOTH of these accounts you will see that there has NOT BEEN ANY UPDATES nor has there been any indication that theses creditors have even reported any new information because the Balance Updated shows INCOMPLETE information. If these creditors updated information with XXXX then the dates these creditors updated the information should reflect on the Balance Updated field.
I DO NOT believe XXXX is following proper procedures under FCRA 1681i ( a ) ( 1 ) ( A ) and I think XXXX is just generating me results thinking I am going to give up on disputing which I am not because it is my right to dispute anything on my consumer file that I believe to be inaccurate. The way both of these accounts are reporting is INACCURATELY and INCOMPLETE and I also DO NOT believe that XXXX is following reasonable compliance procedures to assure all reported fields are to the maximum possible accuracy before preparing me a new report 1681e ( b ).
XXXX XXXX ERRORS and INCOMPLETE information on XX/XX/XXXX results -Balance Updated INCOMPLETE -Balance INCOMPLETE -On Record Until XX/XX/XXXX INACCURATE according to the Payment History the date of deliquency was on XX/XX/XXXX XXXX dont even know if the payment history is fully accurate either.
-Comment Current INACCURATE and INCOMPLETE ( no notice of dispute ) XXXX XXXX ERRORS and INCOMPLETE information on XX/XX/XXXX results -Balance INCOMPLETE -Balance Updated INCOMPLETE -I dont know if the payment history is fully accurate either.
-INCOMPLETE On Record UNTIL ( required information to report 1681c ( c ) ( 1 ) ) -Original Balance does not apply to this revolving account ( INCOMPLETE CREDIT LIMIT FIELD ) -Comment Current is INCOMPLETE and INACCURATE ( no notice of dispute ) Bottom line I do not understand how XXXX can generate me with many results since my first initial dispute XX/XX/XXXX but these accounts do NOT have a notice of dispute proving there investigations were all legal and proper. These accounts still reflect inaccurate and incomplete information therefore under 1681i ( a ) ( 5 ) ( A ) ( i ) XXXX was required to delete these items a long time ago if they simply could not modify the errors.
|
| 05/15/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
On XX/XX/XXXX I went to XXXX Home Improvement Store in XXXX XXXX XXXX Fl # XXXX to look for a Lawn Mower, As I was looking at a particular model and associate came over and said if you open a XXXX credit account you can save XXXX.I state I just bought home and I am not sure f my credit availability.He stated he could check to see if I qualify.
He ran my credit and said you have a XXXX score and qualify for a XXXX limit!
I said O and spent about XXXX. They gave me a temporary card.Over the next few weeks I purchased some additional supplies bringing my total balance to about XXXX.
Lowes/XXXX XXXX kept claiming they sen card to me but I never got one.Finally a card did arrive and on or about XX/XX/XXXX I made my first payment ON TIME to Synchrony.
On XX/XX/XXXX I received a notice dated XX/XX/XXXX that my account was closed due to credit issue based on a score of XXXX as of XX/XX/XXXX.
I called XXXX, but was told this was an issue with XXXX XXXX. I called XXXX XXXX on or about XX/XX/XXXX and was advised it was based on report by TransUnion.I a I called XXXX and spoke to XXXX a Cust SvcRep. who stated that as of XX/XX/XXXX my score was XXXX and they had no indication that in fact my score was that low ( XXXX ) on or about XXXX. Again I Called XXXX XXXX and asked them to re-score my account, Rep stated " they do not do that ''.
I Then wrote an Email to XXXX XXXX President of XX/XX/XXXX. Stating the following : Good Morning XXXX XXXX On or about end of XX/XX/XXXX I went to your lowes store in XXXX XXXX XXXX Florida to look at Lawn mowers as I just purchased a new home.
The Associate there indicated he could save me XXXX if I applied for a credit card. I did and it was approved for XXXX limit. after I make a few more purchases and making my first payment I received a letter stating that based on my Credit account review and a XXXX score of XXXX as of XX/XX/XXXX i did not meet your standards. Question!!
I just received a Mortgage for XXXX ( no bank is giving that if you have below XXXX score!!!
Why at store did you approve for XXXX if concerned why not XXXX or start at XXXX Today I called Your customer service to tell them XXXX who I spoke with confirmed my score today at XXXX! and stated that score has been steady since mid XX/XX/XXXX, So unaware of how your bank arrived at Score!!! They at your bank said that that the score they have, I ASKED THEM TO RUN SCORE AGAIN THEY SAID THEY DONT DO THAT!!!
I just made my First Payment!!!
Govt Fair Credit agency will get copy of this!!!
So my quess is that I have been Scammed, You let me apply run up XXXX then canceled account once I bought Items so I could not but more just to sell lowes lawn mower!!! Pretty Low Trick.I I plan to cut card, go to Home depot and pay cash and post to all friends on FB etc what you do. I am Senior Citizen and if thats the way you treat us in Fl you wont get FAR!!!
Don't expect an answer why would you bother!!!!
XXXX XXXX XXXX-XXXX I further filed a complaint with the better business bureau and on or about XX/XX/XXXX o XX/XX/XXXX received a call from XXXX XXXX XXXX XXXX Office of The President XXXX XXXX XXXX
That she would follow up and in 24-48 hours I would have an answer.
Subsequently I recieved notice from XXXX that my score had been adversely effected to the point of XXXX point drop due to synchrony closing my account for credit issues!! Even though I am making payments.! This has greatly negatively impacted my credit score!
I Called XXXX XXXX on XX/XX/XXXX and left a message and sent follow-up emails on the XXXX.On XX/XX/XXXX M Prizkau called and said it would be another 24-48 hours to investigate.on XX/XX/XXXX I sent another email asking for updates.XXXX XXXX called I believe on XX/XX/XXXX to tell me nothing knew just excuses.
This all leads me to these questions and conclusions If my XXXX XXXX was 700appx o XX/XX/XXXX as stated by Synchrony then how did it get to XXXX on XX/XX/XXXX when XXXX shows it at XXXX.
If my score was close to XXXX as you state on XX/XX/XXXX how did you approve my card and give me XXXX limit and why when I am making payments already did you not lower credit line to say XXXX I firmly believe this was a SCAM by Lowes and Synchrony to get people to open credit, buy and item then cancel their cards.
I believe this to be credit fraud and present my case to you for your review Respectfully
|
| 02/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
According to my records, my statement balance was {$100.00} by XX/XX/XXXX. When I went to make my monthly payment due on XX/XX/XXXX, my statement balance read {$2100.00}. 5 different charges were made to my account that I did not authorize. In the history of my account 's existence I only made 2 purchases and only focused on paying off my balance due. I called Synchrony Bank to get this error fixed on XX/XX/XXXX, at XXXX XXXX. My account was closed that same night and I was told a new card would be sent to me while all these transactions were going to be investigated.
I received a new card and account number sometime in XXXX. I called Synchrony asking why my new account had a balance of {$530.00} when according to my records I only owe {$100.00}. It was shown that another unauthorized charge was made on XX/XX/XXXX. Im raising my concern seeing that charges were able to be made on a new account that I didnt even have access to at the time. I sent a letter through certified mail on XX/XX/XXXX stating all of these issues and that my statement balance was now showing up to {$660.00}. When after my payment of {$25.00} made on XX/XX/XXXX, is posted, my records and Synchrony 's should show I would now only owe {$25.00} to my original balance.
I requested that the errors be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. This included the late payment for XX/XX/XXXX which only was incurred due to my account being shut down and me not having access to it until I received a new account number. And the interest charge of {$2.00} Posted XX/XX/XXXX.
I had enclosed copies of my emails. The first one was from XX/XX/XXXX, which showed the current balance owed which I was agreeing to. The second is of the incorrect balance of my new account from XX/XX/XXXX. The third and fourth have my posted payments highlighted. Along with interest and late fees that Im requesting to be correct. Finally, I provided the payment confirmation of the last payment made. All these documents I believed supported my position. I asked Synchrony to investigate this matter and correct the billing error as soon as possible.
With each billing period my balance due just kept increasing. Mostly due to interest charges. I had called Synchrony once more on XX/XX/XXXX and was told that everything was still under investigation but that I would no longer be receiving any calls or email until the matter was resolved. Unfortunately that wasn't the case. The calls and emails continued with reminders to pay my bill. I called Synchrony again on XX/XX/XXXX, to find out the status of the fraud investigation seeing that they kept trying to recieve a payment. I talked with a member of their fraud department and apparently a charge was overlooked and that according to their calculations I should have a XXXX balance once all fees and unauthorized purchases were removed. I was happy to hear this since it matched up with the records that I indeed owe nothing. Finally by XX/XX/XXXX, my account statement read as a XXXX balance. To say the least, dealing with this situation has been a total nightmare so I decided to close my account right away. I received a confirmation number and I thought that would be the end of this situation.
Unfortunately, it wasn't. I received an email from my statement on XX/XX/XXXX stating that I had a XXXX balance. I didn't think anything of it. Now fast forward to today XX/XX/XXXX. I received another email statement this time it said I now have a balance of {$100.00} with my minimum payment being due. Needless to say, I'm fuming mad now. I called Synchrony at XXXX XXXX. I specifically asked why was there a balance to an account I already closed? I was told that is I was bounced back and forth between representatives and the fraud department. One person stated that the reason a balance is being presented is there was ANOTHER charge of {$180.00} sometime in XXXX. I was sent to the fraud department when a representative stated that I would need to call again the morning because the department closed for the night. I feel like I've done everything I could on my part to try to get this issue resolved the right way. I've given the company plenty of time to deal with this matter and I now just want nothing more than to cut ties with this company.
|
| 11/08/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
Originally my card account for my HSN was service by XXXX XXXX XXXX. Back in XXXX of 2019 I received a letter that Synchrony Bank was going to be the new credit provider of my HSN card. I called XXXX immediately to ask what would be the new regulations of my card. The customer service representative was straightforward and said I would be grandfathered into the same interest rate, payment structure, billing date, etc, my credit protection benefits would all be carried over. Never had missed a payment.
On XX/XX/2019 I received a letter stating that XXXX would no longer take payments after XX/XX/2019 and payments would start going to Synchrony Bank starting in a XXXX. I was suppose to get a bill and my new Synchrony issued card for HSN. To the dat, I never received a XXXX bill with my new account number or my new card either. I called Synchrony around the middle of XXXX and made them aware I had not received my bill due for XXXX and my card. They said they were still in the process of sending out cards. And that my payment date was past due. I asked them, how I could be past due on my account if I never received a bill from Synchrony with my account number and where to send my payment? The customer service representative was ignorant with me and asked if I wanted to make a payment? I found it odd and asked for a statement, as I always got a statement prior to the switch over form XXXX to Synchrony. Synchrony never sent a statement. I disputed XXXX payment with them on XX/XX/2019. To the date, no correspondence has been sent out about my dispute.
Fast forward to XXXX of 2019. I did receive a XXXX statement for Synchrony which had a bill balance of {$69.00} due on XX/XX/2019. I immediately called Synchrony and asked them how they could have doubled the amount due when I never received a bill for XXXX, and I made them aware of it. The Service rep stated, you still owe the amount even though we didnt send out a statement. I asked to put in a dispute for the amount past due which would have been, {$43.00} of the {$69.00} due. They stated they would put in a dispute again. To the date, no correspondence from Synchrony has been made by them. Meanwhile prior to the due date of XX/XX/2019 I contacted Synchrony bank again, because I found out I was having my XXXX removed due to XXXX, I told them I wouldnt be able to work for a minimum of two weeks as that was the standard time frame with XXXX XXXX XXXX and the nature of my job requires lifting, in which I wasnt going to be cleared back to work for at least two week later. I asked the representative how I could I start the process of using the credit protection benefits as a result of the XXXX and me being out of work and not getting a paycheck for a while. The customer service representatives with Synchrony bank didnt have a clue what I was talking about. They werent aware of credit protection that paid the minimum balance due as a result of certain things. The the representative insisted that I should asked a relative, friend or family member for the money, so that way I could make the payment. I was beyond shocked when I heard that. I immediately filed another dispute with Synchrony as I wanted to know why my credit protection benefits had not been transferred over to Synchrony from XXXX? Again, another dispute and no correspondence from Synchrony. From XXXX XXXX and on to the date, then Synchrony started to harass me via phone and email, no more than seven times a day to tell me Im behind on my payments. I called them the day after my XXXX and asked them where I could send paperwork showing that I had my XXXX removed and to quit harassing me and I proceeded to ask about my disputes and why no one has reached out to me about them? Customer service had another excuse.
As of my last dispute that I put in On XXXX XXXX as to my credit protection benefits not being applied to cover my payments and keep in mind, I still have to receive a card from Synchrony to the date, what was the status of my dispute. On XX/XX/2019. I got a packet in regards to my dispute and it confirms in their own mailing they never sent a XXXX bill to my address and my actually billing starts of XX/XX/2019. Nothing in the correspondence addressed my credit protection that I paid for and where to send them proof I had to have XXXX and I was out of work during part of the month of XXXX.
|
| 09/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On Monday XX/XX/2020 I was informed via phone, after calling to check a payment had been received that Synchrony Bank closed 5 accounts I had with their bank, with NO prior warning. Many of which had been open over 10 years with ABSOLUTELY no late payments, negative remarks, delinquency, or past due with their bank or any other. My XXXXedit score at the time Synchrony bank closed all of my accounts was a XXXX. The reason I was given for all my accounts being closed was, " It was an automated system decision due to high risk associated with us believing their would be an inability to repay the account balances. '' The accounts closed were : XXXX Visa Sams Club Mastercard TJ Maxx Mastercard Paypal Mastercard Amazon Store Card However, at the time of the accounts being opened, YEARS PRIOR, I was offered a program called, Card Security which, according to the terms & conditions of this contract, would protect ( PAY IN FULL ) my card balance in the event I lost my job or was fired, took an employer approved un paid leave of absence, became XXXX, XXXX or XXXX a XXXX, or died. The program terms & conditions stated that 30 days after the event or loss was filed and approved, Card Security, would make the minimum monthly payment for a period of 3 months. After which, if the reason for the benefit was still in place, Card security would then pay off the balance of each credit card account balance, in full, up to a maximum of {$10000.00}.
And by them closing my accounts while an approved benefits request is in place, they have not only put me in a position where any further payments could be cancelled and my balances not being paid!!!
My accounts that were closed, were ALL enrolled in this Card Security program, except for 1 my ( XXXX Visa Account. But my balance at the time of closure was XXXX {$0.00}. With a $ XXXX credit limit. ) PRIOR TO Synchrony Bank closing my accounts, I contacted Account Assure to file a Leave of Absence Claim. Due to the Covid 19 epidemic & no fault of my own, I was placed on an employer approved leave of absence. I contacted Account Assure to file a claim on all the accounts on XX/XX/2020. TWO months before Synchrony Bank closed them.
According to the documentation, ALL my benefit requests were approved and payment was issued on ALL accounts protected under this program. Synchrony bank accepted 2 payments FOR EACH ACCOUNT, under this benefit protection plan.
So they were WELL AWARE of the ability to repay the accounts was in place, DIRECTLY CONTRADICTING THEIR ALLEGED REASON FOR CLOSING MY ACCOUNTS!! ALL accounts under this plan were being paid. ALL the payments were ON TIME as well as ALL payments were either for the exact amount due shown on my statement or greater than. I even made small payments on my own.
So not only did Synchrony bank close my accounts after having received and accepted said benefit payments they were WELL AWARE my accounts had been enrolled in this program for YEARS prior to me requesting a benefit be processed. I have dated documentation showing each benefit request for each account was approved & paid PRIOR to these accounts being closed!!
And because of Synchrony banks actions, they have caused me undue stress, adverse action to be taken on my other credit cards/accounts issued by other banks as well as caused my credit score to drop SIGNIFICANTLY, which is NOT RIGHT!!!
I MAINTAIN THAT SYNCHRONY BANK, CLOSING MY ACCOUNTS, ACTED IN SUCH AS MANNER THAT IS/WILL BE DETERMENTAL TO MY CREDIT, MY FINANCES, MY LIFE, MY FAMILY & MY OVER ALL WELL BEING!!
THE ACTIONS SYNCHRONY BANK TOOK ARE IN DIRECT VIOLATION AND AGAINST THE TERMS & CONDITIONS OF A CONTRACT THEY OFFERED & AFFORDED TO ME!!!!
THEY EVEN STATE DIRECTLY ON ALL THEIR CREDIT CARD WEBSITES THE FOLLOWING : " Our thoughts are with those affected by natural disasters. We are here to support our cardholders in their time of need. If you are impacted, please contact us to discuss how we can help. " ... ... ... ... ... ....
How is this " helping '' IN ANY WAY SHAPE OR FASHION?!! I TOTALLY UNDERSTAND THEY HAVE THE RIGHT TO CLOSE MY ACCOUNTS. HOWEVER, WHEN I HAVE A PROTECTION PLAN IN PLACE AND APPROVED PRIOR TO THEM DOING SO, THAT GURANTEES THEM PAYMENT & BALANCES PAID IN FULL, THAT IS NOT VALID FOR THEM TO DO THIS!!
I AM PREPARED TO TAKE THIS MATTER TO COURT/ARBRITRATION IF NEED BE!
|
| 06/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
XX/XX/XXXX RE : CHARGE OFF Synchrony Bank ( SB ), Acct # XXXX To whom this may concern, XX/XX/XXXX, the Covid-19 pandemic broke out and effected millions across the nation, which eventually led into massive job losses, delayed unemployment benefits, delayed stimulus payments, delayed federal extensions, paused government and financial institutions to no fault of the consumer what so ever. XX/XX/XXXX, my federal extension was cut off without good reason by The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). By doing so, it resulted in delinquent payments and destroyed my credit to no fault of mine, see ( XXXX XXXX, XXXX. XXXX ). These exhibits clearly indicate my years of good standing credit prior to the XXXX outbreak, then plummets drastically because of the delays mentioned above. Recently, after one year and nine months, questioning ( XXXX ) adverse actions, XX/XX/XXXX, ( XXXX ) miraculously released the missing federal extension payments, see ( EXHIBIT B, XXXX. XXXX ). If ( XXXX ) processed the extension timely, it would have prevented the delinquent payments. Now, I am faced with a bankruptcy for the first time at a cost to me, which is unacceptable, disturbing, and concerning for a matter I did not create.
I did reach out to the Department of Financial Protection and Innovation ( DFPI ). I argued the same mentioned above, however, the ( DFPI ) would not engage. In my view, there are no laws or safeguards that would protect a consumer from an event that has never taken place before. Because of the pause, it created a massive financial disruption that nobody has ever encountered before. I strongly feel, I am one of thousands, perhaps millions of consumers that was dealt a brutal blow because of the circumstances mentioned above.
Furthermore, I find it very disturbing, as of lately there is a record number of bankruptcies being reported by consumers and businesses of all kinds. Consumers were given stimulus checks and federal extensions as well as businesses and now the majority are failing because of the pause, which is disturbing and concerning. I strongly feel all financial institutions do understand what has taken place. In my view, these financial institutions are Steam Rolling consumers for financial gain by taking advantage of millions of consumers who have delinquent and defaulted loans, which was created by the unforeseen historic Covid-19 outbreak.
These circumstances were way beyond the control of the consumer. ( OCCU ) and ( SB ) has failed to recognize the impact this matter has created and simply do not want to. I have found out through my time spent with this matter, all lenders I have had accounts with acted in the same manner and hid behind their terms and conditions, which are dated and do not apply to this unique circumstance. There is nothing in writing within ( SBs ) terms and conditions that would describe how ( SB ) would operate during a complete government and financial institution shutdown, because that event has never happened before in history.
Again, in my view, there are no laws or safe guards that would protect a consumer regarding this never seen before catastrophe. So, how is a consumer supposed to protect oneself with no laws or safe guards set in place? I strongly feel, the banking institutions are fully aware of what they are doing and nobody is talking about this. So, where does that leave the consumer against these financial giants with XXXX resources to protect oneself against their relentless pursuit to obtain payment? Most of the nation, including myself are now being heavily impacted XXXX years later, as its all falling apart right in front of the nations eyes with still no solution or recourse, why not?
Finally, the fault and blame lead back to the unforeseen Covid-19 outbreak and ( XXXX ) for their inexcusable adverse actions. ( XXXX ) did the right thing by issuing the past due amount. ( SB ) must and should absorb the past due debt for their adverse actions by terminating my credit line, while I paid timely trying to rebound from what was mentioned above.
Lastly, if this matter is not under the jurisdiction of the ( CFPB ), please provide the appropriate agency or agencies that may be of assistance.
CONCLUSION I respectfully request ( SB ) to absorb the outstanding debt and reverse any negative credit reporting.
Respectfully, XXXX XXXX
|
| 07/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
This complaint concerns my TJX Rewards Platinum MasterCard. In early XX/XX/2020, I received a text alert from Synchrony Bank regarding suspicious activity on my account, asking if the charges were mine. In all, there were 4 charges : XX/XX/2020, Sams Club, XXXX, KY ( {$820.00} ), XX/XX/2020, Sams Club, XXXX, KY XXXX {$840.00} ), XX/XX/2020, Sams Club, XXXX, KY ( {$840.00} ), and XX/XX/2020, Sams Club, XXXX, KY ( {$840.00} ). I immediately responded to the text indicating that the charges were not mine. Shortly thereafter I was on the phone with Synchrony Bank about the charges. Since then, I have spoken to at least 3 representatives of the Synchrony Fraud Solutions Team to answer any questions they had about the fraudulent charges and offer any additional information I thought may be helpful to the investigation. Yet, Synchrony denied my claim. When I called to ask why I was told that I supposedly failed to complete and return an affidavit that was sent to me in a blue envelope, via regular mail. I explained that I had not received any affidavit from them, and that if I had, I would have completed and returned it. They re-opened my claim and told me they'd send another affidavit. I never got one, and my claim was denied a second time. Again, I called to ask why and was told I failed to return the affidavit. I asked if the affidavit could be emailed or faxed or sent with a tracking number to ensure I received it, but for reasons that were not explained to me the answer was no. I was told it would be mailed once again. I never recieved it. My claim was denied a third time because it had been determined that I authorized or benefitted from the transactions. I was shocked. How in the world could this have been their conclusion? I called to ask for the basis of this conclusion and was not provided one. Instead, they offered to re-open the investigation yet again and send me another blue envelope with an affidavit. I should point out that on this occasion, unlike the others, they refused to reverse the charges in question pending their investigation. I asked for a reason and they would not provide one. As of the date of this complaint, I have yet to receive an affidavit or any other form from Synchrony Bank to be completed and returned. Therefore, I prepared my own affidavit and faxed it to Synchrony Bank on XX/XX/2020. I have filed a police report regarding the fraudulent charges on my credit card, and I provided a copy of the report to Synchrony Bank with my affidvit. As I stated in my affidavit, the police officer told me there was a crime ring whereby credit card numbers are obtained via the " dark web '' to buy gift cards at Sam 's Club through the store 's app, and that there were 30-40 other victims he was aware of. This explains how the charges could be made without my physical card ( which I never lost and never had out of my possession ). The officer even told me he would talk to Synchrony Bank about this and allowed me to provide his name and number in my affidavit. One more bit of information, which I did not include in my affidavit but did share with at least 2 Synchrony Bank representatives, is that I only use my XXXX XXXX card at Sam 's Club because it is the only one stored in the app, which I use every time I go there because you can scan your items yourself and skip the line. All of my purchases for the last 2 years are stored in the app. I offered to provide records but they were not interested. To my great disappointment, yesterday I recieved a letter from Synchrony Bank dated XX/XX/2020 denying my claim yet again. The reason for denying my claim is that I " did not provide any new information and/or reason to continue to re-open '' my fraud claim. This does not make sense! I have no idea what new information they are looking for!! The way they have treated me is inexcusable, and it has resulted in a lot of stress as well as a declining credit score. My score is still " excellent '' but has gone down 18 points because of this large balance on my credit card. FYI, the card number to which the unauthorized charges were made was cancelled during my first call with Synchrony Bank about the unauthorized charges. I cut up my card and recieved a new one. I cancelled that card during my last call with Synchrony because of the way I've been treated. I hope you can help. Thank you.
|
| 09/29/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2020, I called in to synchrony bank who is the financial institution that represents XXXX XXXX in XXXX Florida. The reason for my call back then to synchrony financial was to obtain the balance owed on my account and to submit payment. When I spoke to the representative there at synchrony financial to confirm my balance that was owed I was {$29.00}.
The representative from Synchrony financial told me over the telephone that the final balance once paid my account would be completely closed and that would be it. Since then until this past XX/XX/2020 I have never received any other statements or phone calls or emails from synchrony financial. This past Friday I received an email as well as a statement in my PO Box mail from synchrony financial demanding payment on the account. As well as, the balance owed of {$280.00}.
This past Friday I made several attempts to contact synchrony financial at the number thats on the statement and could not reach anybody because I was placed on hold for very long periods of time. In the email that I received today there was an additional telephone number for me to contact them.
I finally made contact with Synchrony financial and I spoke with a representative today.representative today to speak to them regarding the account and to inquire about what is going on with this account.
The representative that I spoke with made it seem that I was in the wrong and that the representative who helped me previously made a mistake back this past XXXX. I also spoke to supervisor explaining the tire situation and what has taken place in XXXX and recently now. Both representatives including the supervisor I spoke with told me that there was really nothing that they could do.
The only thing they would offer was credit me back 1 late fee of {$40.00}. I explain to the representative and the supervisor but that wasnt good enough because I did nothing wrong to incur extra interest and late fees to this account. My payment history with them was very good because I paid every two weeks instead of every month 200+ dollars every month. I did this purposely to reduce the payments in the balance that was out on the account as well as interest paid.
So Im asking from you the consumer financial protection bureau to help me resolve this matter with synchrony financial and their abusive tactics and try to rip me off and charge me more interest and fees that I do not deserve to pay because of their error. I just got a statement this past Friday or Thursday and when I saw that they were saying i still owed them money I was shocked.
Since XXXX until now I havent received any statements mailed to me at my post office box anytime since this past XXXX. Also they began to email me requesting for me to contact them regarding my account and this began Thursday or Friday of this past week XX/XX/XXXX or XX/XX/XXXX. Since this past and at no other previous time Did they tried to contact me via US mail Or by telephone or by email since this past XX/XX/2020.
In closing, I am asking for your assistance to help me and finding a resolution to get this problem taken care of. I am a responsible consumer and an adult and I pride myself in doing the right thing always. However, I will not allow someone to take advantage of me or abuse my rights as a consumer.Also Ive tried to remedy the situation however they refuse to work with me and wanting to charge me more interest and late fees that I believe I do not owe them. I made every attempt to pay off this debt and I thought based off my conversation with the representative this past XXXX that everything was paid off in full and the account was closed. And since then Ive never received any other communication from them until this past Friday that I received a statement and several emails requesting that I contact them regarding this account. If I owe them money with regards to what was it paid in XXXX I will pay it. However it is not my fault for the actions or the negligence that they did. They also have greatly damaged my credit standing and reported negative information regarding this account that in my opinion is incorrect. I am seeking restitution and corrections to my credit add to this account as soon as possible.
Again thank you for your help and assistance and I look forward to hearing from you soon.
Sincerely, XXXX XXXX
|
| 05/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I have recently received several written notices from Synchrony Bank about my Sam 's Club MasterCard account. They were complaining that they were unable to email me my statement because my email address was n't valid. I checked my email address online at th e Sam 's Club Credit site that t Synchrony operates and my email address was correct. I called them to verify that they were using the correct address. Their records matched the correct address. The next snail-mail notice from Synchrony included the supposed email address. It was mis sing the " @ '' sign in the address. I called again to correct this. It is possible that manual handling caused the problem. Synchrony uses a significant amount of cheap overseas lab or. Then the next shoe dropped. I normally pay all of my bills shortly after the first of the month. For instance, on XXXX XXXX , XXXX , I made a payment of {$100.00} on my balance. This was for the payment due date of XXXX XXXX , XXXX . No problem. On XXXX XXXX , XXXX , I made a payment on account of {$120.00} for the due date of XXXX XXXX . It was arbitrarily, without my knowledge or understanding, applied to the XXXX XXXX payment due date which had already passed and been paid. When XXXX XXXX came around on the calendar I was assessed a late fee ... for the payment that I had made online at their web site o ver three weeks prior. I did not discover this until I logged on to make my XXXX XXXX payment and discovered that I was delinquent in making a payment that I had made weeks prior. I calle d Synchrony o n XXXX XXXX and discovered that my call had been routed to " Collections '' in XXXX . After speaking with the representative, I was assured that the late charge would be credited back to my account. But the big surprise was that they insisted the entire episode was MY FAULT because I had made the payment too early for their system to deal with it. So we have a bank that penalizes a customer for paying his bill too early. After thinking about it overnight, I became concerned about how their behavior might affect my Credit Record, so I called back on XXXX XXXX . My call to customer service was routed directly to XXXX and someone with a thick accent. After demanding to speak with someone in the US, I was connected to a person in Ohio who was happy to reiterate that it was all my fault for making a payment before THEIR " cycle date. '' When I asked their representative where in all of the consumer disclosures I might have access to could I find a " cycle date '' warning or notice, I was directed to my Statement. The same Statement that I opted out of receiving via snail-mail and could not receive via email because they had mangled my email address until it was invalid. As for the credit record issue, they claim they are bound to report all negative experience to the credit bureaus ; even when they are the cause of it. So, they applied the both of the payments, the one made in XXXX and the XXXX made in XXXX , to the XXXX XXXX due date. Why did they apply a second payment to a due date that had already been paid? That makes my XXXX payment late because I made it 3 weeks early. I am now in default on the account and Synchrony tells me they can not repair this problem for 5 t o 15 days, if at all. I 'm also expecting to have a negative experience reported to the credit bureau as a result of paying my account too early. I 'm afraid to pay my XXXX XXXX payment because I suspect they might apply it to the " past due '' XXXX XXXX payment. Then I would have to make 2 payments in XXXX to " make up '' the payment that I pai d 3 w eeks before it was due in XXXX and had it misapplied. Now i 'm getting collection notices via email ( they find the correct address when they need i t ) . When I try to log in to look at my account, I get account collection screens because -- - due to Synchrony incompetence -- I 'm in default. When I call " customer service '' at Synchrony, I ' m connected to " Collections '' in XXXX . Synchrony Bank is an artifact of the XXXX XXXX . Slow, incompetent, and disrespectful ; indicates a strong need for a management refresh. I do n't have these problems with other banks I deal with regularly. I hope the CFPB can help me clear this up quickly.
|
| 03/21/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/XXXX I opened a store based credit card ( Ashley Furniture ) operated by Synchrony Bank. I have had issues related to the purchase made at the specific store tied to the card and I opened a dispute with Synchrony Bank on XX/XX/XXXX via phone with XXXX at XXXX XXXX XXXX. The same day I sent in a copy of my signed delivery confirmation via secure messenger on the Synchrony Bank website. On XX/XX/XXXX I receive a request for completion of the Dispute Acknowledgement Form. I completed the form on XX/XX/XXXX and submitted via secure messenger. I received an additional letter on XX/XX/XXXX requesting completion of the same Dispute Acknowledgement Form. I called into customer service and I do not have notes on who I spoke with that stated the Dispute Acknowledgement Form was received and she was unsure why I was receiving an additional request for completion. She stated I should ignore any additional letter requests. I received additional requests to complete the Dispute Acknowledgement Form on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I sent a duplicate copy of the Dispute Acknowledgement Form via secure messenger and received a response the following day it was received and sent to the appropriate department.
On XX/XX/XXXX I followed up via secure messenger as it was past the 60 day mark that disputes must be resolved in per the terms of service in the credit card agreement. I received a response from XXXX who stated : We apologize for any frustration or inconvenience you have experienced regarding the dispute. We can help you. We understand your concern and appreciate your patience. Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. There was no acknowledgement of the status of my dispute. I called XXXX at XXXX XXXX XXXX being connected with XXXX who left me on hold for over XXXX minutes. I eventually hung up and called back in. I spoke with XXXX in disputes who stated my original dispute was closed. I received no findings or follow up regarding the dispute. I asked to speak to a supervisor and was transferred to XXXX. XXXX put me on hold for approximately an hour when he came back he pretended he could not hear me and left the line open refusing to disconnect. It look another 30+ minutes before the line was disconnected.
On XX/XX/XXXX at XXXX XXXX XXXX I received a phone call from XXXX with the Synchrony XXXX XXXX XXXX XXXX. She stated she can see the dispute was closed after 60 days but there was no documentation as to the resolution. She stated she was also able to see the numerous requests for the same Dispute Acknowledgement Form despite her confirming that I had submitted it on XX/XX/XXXX. She asked for all my receipts and correspondence with the merchant which I provided via email XX/XX/XXXX. I received no follow up and outreached via email on XX/XX/XXXX. I received a phone call from XXXX on Friday, XX/XX/XXXX who did confirm the receipt of my email proof. She stated my dispute was closed in the merchants favor despite me having signed receipts contracting the merchants verbal reports. She reported she did not send my proof into the dispute department and has opened another dispute this time including the multiple documents I submitted.
My complaint with Synchrony is their violation of their own terms of service when they closed a dispute without any resolution or communication despite proof I had submitted the requested documents. Their siding with the merchant in the second dispute is an additional issue as I had provided paper documents proving the merchant was not telling the truth.
On XX/XX/XXXX I received a secure message from XXXX with Synchrony Bank once again closing the dispute in the merchants favor despite my physical proof with signature. She also stated : During an investigation of your account, Synchrony Bank found an error occurred resulting in a delayed response to your billing dispute. I sincerely apologize for this error and the situation it created for you. Let me assure you this was an isolated incident and not indicative of our quality standards. Please be aware that no derogatory information has been reported to the credit bureaus with regard to this matter.
This response is not sufficient for violation of the terms of the credit card that I am bound to just as they are.
|
| 06/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX and purchased some furniture. The sales person XXXX assured me that my furniture would be delivered in 30 days. Thirty days came and passed and I had not received not even a call. I contacted XXXX to see what the problem was. He said he only had the bedframe and nothing else. He said due to the pandemic they were running behind. Once again, he said it would be another 30 days. On XX/XX/XXXX, I once again called and spoke with XXXX. This time he was very unprofessional and rude. I asked to speak with somebody higher than him. I was put on hold for what seemed a fairly long time and when he finally came on the line he stated that the manager was not in. At this time, I decided to contact Synchrony Bank and let them know that I had not received any furniture and I would not be paying for something I had not received. The bank then said they would put a dispute on my behalf. The bank also gave me some options that I could do and one was calling the store and asking for them to close my ticket and when the furniture was delivered then the store could submit it so I would be able to pay off the furniture in a certain amount of time without having the interest charges. I called the store back and spoke with XXXX once again and let him know what the bank had suggest it. He then became rude and basically was threating saying they were not able to do that and that I had signed so I was stuck with that.
Once again, I asked to speak to somebody higher and he gave me the run around. I had to call and directly ask for the store manager without going through XXXX. The young lady who answered took my information and said she would have someone return my call. It had to take for me to put a post on social media ( XXXX XXXX ) to get someone to reach out to me. When I finally received a call it was from Ms. XXXX XXXX, Store Manager. I let her know how disappointed I was with the poor customer service that XXXX had provided. I also let her know the exact same thing I had share with him in regards to closing the ticket and once I would receive my furniture to submit it to the bank. She apologized for the unprofessional service XXXX had provided and even said agreed with me when I said she should have some kind of training for her employees on customer service. She did not come up with any kind of solution when it came to my furniture. I assured her I did want the furniture and if she could only close the ticket until I would have all of it. It fell on deaf ears. During the following day it was back and forth with her. She called and asked if we could meet with her in person to see what we both could agree on. I agreed and set up a time for my husband and I to meet with her. Not surprised she stood us up. We arrived at the store aXXXX XXXX XXXX we let a gentleman know we were there to meet with Ms. XXXX. He replied that she was not there but he would get a hold of her and let her know that we were waiting for her. We waited 45 minutes and she never arrived. At XXXX XXXX she sent me a text in my opinion a very poor excuse. She asked to see if she could speak with my husband and still we agreed that he would speak with her. My husband let her know that our mind had been set by the unprofessional service and we did not want to continue to do business with XXXX XXXX XXXX XXXX. From that day we never heard anything from anybody, no calls or even mail.
I continued the dispute through Synchrony. Ms. XXXX apparently has responded to the bank that she can not be responsible for shipping delays. I have attached a copy of her response to the bank for your information and a copy of the sales order with what is not my signature.
I contacted Sychrony Bank on XX/XX/XXXX and let them know I was disputing their decision on the case. Letting them know that XXXX XXXX XXXX XXXX was not working in good faith. That I had sent a certified letter to the owner, and two presidents with my complaint and I still had heard nothing from them. On XX/XX/XXXX, I contacted them to see the status on my dispute and they said that had been closed and that they are citing with the company. I let them know I had submitted a complaint with the Texas General Attorney against XXXX XXXX XXXX XXXX and that I would also submit a complaint against Synchrony with the Federal Trade Commission.
|
| 06/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I came into XXXX XXXX XXXX for an initial check-up on XX/XX/2017. After hours of waiting and a brief consult, someone who introduced herself as a XXXX informed me that I urgently needed a XXXX XXXX but before I could do that, I needed a XXXX XXXX, which would cost {$1200.00} overall. I had initially come in with my first ever insurance ( Medicare ) which they said did not cover this need. I could not afford this procedure, but they told me it was really bad and assured me I could sign up for a Care Credit Card, which was my only other option. They said I could pay off no interest over a period of x months. Having only been to another XXXX once 7 years before, I was afraid and listened to their professional advice.
On XX/XX/17, I came in for the first half of my XXXX XXXX procedure. Whoever saw me questioned why I was getting the procedure at all. After two tries of XXXX that lasted about 20 minutes, they conducted a procedure that lasted no more than 10-15 minutes. This raised some suspicions, so I contacted a XXXX I knew in another state and asked her opinion. She was alarmed at the cost and how quickly the procedure was finished and advised I asked for my XXXX and " XXXX XXXX. '' I followed her advice and did not come back for the second half of the procedure.
Over the next few months, I called XXXX XXXX XXXX. They would either put me on ridiculously long holds, tell me to call back, not pick up my phone calls, or only pick them up if I called immediately from another phone number. On my last call, I informed them I knew my HIPAA rights and wanted my records mailed to me. They put me on another hold, then came back on the phone and said this was not possible, that I could only physically view the records in office. Frustrated, I sent them a certified letter stating I wanted my records mailed. After waiting the allotted 30 days, I tracked and found that they refused this letter. So I sent another, which they received and completely ignored. By now, I was being harassed by debt collectors, to whom I sent cease and desist letters. The letters disappeared.
One year later I received a summons informing me I was being sued by the bank. I was on medical leave, state XXXX, was unable to fend for myself and set to leave the country to live with friends the next week. After consulting with an attorney, he advised me to draft a letter stating I did not owe this debt, and to send it along with a check for the reasonable amount reflecting the services I was given. The law firm cashed out my check, sent me receipts and never contacted me again.
I just got off XXXX and moved back to XXXX tentatively, and received an entry default judgment in the mail. Livid, I contacted XXXX XXXX XXXX, who told me to send them an email authorizing them to send my records to me. They did not respond to my email within their promised timeframe and ran me around YET AGAIN several times, most of which I thankfully got through e-mail this time. After reporting them to HIPAA and the dental board, they responded to my email and told me to call them. Each time I called they did not answer. I asked them point blank what was preventing them from providing me with my records for two years. They sent my records.
After receiving my records I found that they falsified information on the records, stating I called and said I " just wanted to see them on the screen and also the XXXX XXXX. '' This is completely false and made up by them, as I have no idea what a screen is and expected and have copies of letters SPECIFICALLY requesting for my paper records to be mailed. My XXXX friend reviewed them and informed me that my dental records are also riddled with discrepancies between services and charges ; there is no XXXX signature or name anywhere on the paperwork, and also most recently checked off and signed on the document states " I do not consent to this treatment. '' The XXXX name on the paperwork and emails to me is XXXX XXXX, who, according to XXXX, is a male. I was seen by ALL WOMEN. I do not recognize or know who XXXX XXXX is.
These services were never completed and unauthorized by either party but billed and sent to collections. I am now under a default judgment which I was not properly notified of, was medically and locationally unable to handle and should have never happened in the first place.
|
| 04/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Synchrony Bank issued me an XXXX store card in XXXX. This card was unfortunately charged off due to being unable to make payments due to a medical related hardship. The account was charged off in XXXX almost 5 years ago. Well I'm trying to get a mortgage so as even a lay person would know that requires at minimum satisfying the balance on any open charge off accounts that hasn't been paid.
To-do so I reached out to Synchrony Bank and offered to settle the balance, I was advised that was not an option. It was escalated to a supervisor who also said the same thing, and that further that they could not collect on the balance that was due. He was not able to explain why.
As such, I filed a XXXX complaint against the company alleging that the balance on the charged off account should be update to reflect a {$0.00} balance if the company was no longer wishing to seek payment for the balance nor would they accept payments. You can not claim a balance is owed, and then refuse to accept payments to satisfy that balance.
XXXX XXXX with President 's office took the matter and essentially stated the balance was still due, and that I could make payments. I argued in my rebuttal that when I called I was not allowed to make payments, and that further was it not possible that they could not accept payments because of the issuance of a form XXXX ( Cancellation of Debt ). She responded, and stated that the XXXX is not a cancellation of debt despite the clear language and title of the form of which I had to claim on my taxes and stated I would be able to make voluntary payments to settle the balance.
After receiving this response I contacted Synchrony Bank again to make a payment, the representative XXXX initially stated I could make payments on the balance. When I asked him if they would accept a settlement he stated he would have to put me on hold. When XXXX came back on the phone he stated they could not offer a settlement, nor could they accept payments. When I asked why, XXXX stated because the balance was " forgiven ''. I asked XXXX to please repeat that and clarified the spelling of his name, I then asked XXXX why the balance was being reported as active on the CRA 's and he stated it shouldn't be. Gave an address for me to submit copies of my report, and notations regarding the debt being forgive pursuant our conversation and the information would be updated.
To attempt to resolve this matter based on information I received, I contacted XXXX XXXX with the President 's office who handled the XXXX complaint. She stated she would investigate it and get back to me within 3 business day. I called XXXX after 3 business days she had no information and advised she was going on vacation the next day. I called XXXX back as still did not receive a call from her, and she advised the collections department had listened to the call and did not hear what I stated. I advised her that in our initial conversation she assured me that she herself would listen to the call and get to the bottom of this. XXXX advised she would not be able to-do so until she got back from vacation. I asked XXXX to please send me a letter stating that they would not accept payments on the balance, and to continue investigating the issue when she got back from vacation.
XXXX sent a letter that simply stated they are not pursuing collection of the debt, this is not the same language as not allowing payments on the balance due which in fact is what they are doing. Therefore I'd ask that the CFPB please get involved in this matter, as I've been told the debt is forgiven by a representative of their company, been told a representative of the President 's office they can not collect on the debt due to statue of limitations. So a person must ask how can a balance be owed if further collection of said balance is barred by statue of limitations as the President 's office is suggesting and it is not in fact forgiven as the representative suggested. It can't be it's that easy, you can not claim a consumer owes a balance and report as such to the CRA 's and refuse to accept payment.
This dispute has already been filed with the CRA 's regarding this matter, and based on the information received from Synchrony Bank the account balance was not updated to {$0.00} as was requested. Please assist in anyway you possibly can.
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/XXXX Synchrony Bank PayPal Credit XXXX XXXX XXXX XXXX, XXXX XXXX RE : NOTICE OF REFUSAL TO PAY /FCBA, FCRA, TILA BILLING DISPUTE CLAIM If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we can not report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Amount : {$530.00} XXXX Information : XXXX XXXX XXXX XXXX : XXXX {$420.00} XXXX XXXX XXXX ( XXXX ) # XXXX for new booking XXXX ) {$110.00} XXXX XXXX XXXX # XXXX ( XXXX ) for XXXX ) {$530.00} I am writing to dispute a charge of {$530.00} to my PayPal Credit Account account XXXX XX/XX/XXXX, and rebilled on XX/XX/XXXX, to XXXX for XXXX # : XXXX. The charge is in error because : 1. I continue to be denied the full refund with no penalties for the UNUSED HOTEL portion of my reservation, Authorized by HOTEL on XX/XX/XXXX. Please use this email as a reference for the 3rd party record and cancellation # XXXX for new booking XXXX ) ( See attached ) 2. Synchrony Bank failed to properly apply for the refund credit in a timely manner credit was issued to my consumer 's account for {$110.00} ( issued on XXXX ), as required by law.
3. Synchrony Bank and XXXX engaged in fraudulent behavior and refused a refund even though the customer was entitled to one according to your policies.
4. Synchrony Bank continues to engage in unfair and abusive acts or practices based upon Servicing and Collection practices and their failure to fully and properly investigate and respond to my billing complaints and transaction disputes.
PayPal, PayPal Credit- Synchrony Bank XXXX XXXX XXXX XXXX XXXX, and XXXX in violation of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601-1667f, and the Truth in Lending Act 's ( TILA ) unauthorized use provision, 15 U.S.C. 1643, FCRA, EOCA 1974 discriminating based upon public assistance as income, failed to inform me of all eligible IDR programs that would have limited interest accrual, Within 60 days of receipt of a written notice of error, the FCBA requires a creditor to 1 ) acknowledge receipt of the dispute in writing within 30 days ; and 2 ) within two billing cycles, or no later than 90 days, either correct the account or investigate, and provide a written explanation as to why the statement is correct.
By its acts and practices as hereinabove described, the Respondents have violated the FCBA as follows, without limitation : a. By failing to make appropriate corrections on credit account ending XXXX.
b. By committing multiple billing errors ; and c. By failing to conduct a reasonable investigation.
By its acts and practices as hereinabove described, the Respondents have violated the TILA as follows, without limitation : a. By failing to make the proper allocations, adjustments, and/or timely credits to account ending XXXX.
b. Violated the compliance requirements under the FCBA billing errors dispute and investigation process As a result of their unlawful conduct, I spent countless hours, often missing work, communicating with several agents and supervisors, and became increasingly worried and confused by the misinformation provided by XXXX XXXX, PayPal, and Synchrony Bank to the three credit reporting agencies.
After XXXX XXXX and still aggrieved by this unresolved ongoing billing dispute I grew more stressed and aggravated by the Respondents inability to coordinate a resolution and XXXX XXXX XXXX XXXX XXXXXXXX due to the Respondents unfair, deceptive, and abusive practices The Respondents are liable for statutory penalties and actual damages sustained as a result of the Respondents ' violations of the FCBA and TILA as well as attorneys ' fees and costs.
Resolution Sought : IMMEDIATE CONSUMER REDRESS INJUNCTIVE RELIEF MONETARY DAMAGES FOR EACH INDIVIDUAL VIOLATION from XXXX date of correction, plus interest for each day I was DENIED the applied credit and for NEGLIGENCE, UDAAP, BREACH OF BILLING DISPUTE INVESTIGATION PROCESS which denied and deprived me of my MONEY and caused undue emotional distress and duress.
|
| 01/18/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
on XX/XX/XXXX, I signed a contract to have windows and doors installed at my house by XXXX. The total amount of the contract was {$12000.00} which was agreed to be financed under what the XXXX called " project finance terms ''. The project was to be financed for 84 months at either 7.99 % or 8.99 % interest rate ( I don't exactly remember now ). I was required to make monthly payments and have been doing so on time every month. Upon receipt of my monthly statement for the month of XX/XX/XXXX, I noticed a charge of {$2700.00} for " interest charge on purchases ''. I called the customer service number on the back of my " Lowes Advantage '' card issued by Synchrony bank. I was advised that I needed to call the credit department. When I called on XX/XX/XXXX, I was assisted by a representative from Synchrony Bank, who stated that this was not their issue, but a store issue for which I needed to visit the local store that completed the installation. I was advised by the same representative that for some reason, the project amount had been split into a two-thirds amount ( {$8600.00} ) and a one-third amount ( {$4200.00} ), and that while the two-thirds amount was processed accurately for the project finance terms, the one-third amount was processed under different terms at 24 months at 0 % financing. I called the XXXX corporate offices number and was told by a representative ( I will call " S '' ) on XX/XX/XXXX, that I needed to go to the store and request a " refund rebill '' in order for the correct promotion to be reflected on my account. On XX/XX/XXXX, I visited local XXXX store and met with the store manager on duty ( a Mr. XXXX XXXX XXXX ), who, told me that a " refund rebill '' could not be done as it would be too laborious and in my presence, called the credit department and then advised me that he was advised that I would see the correction within 2 billing cycles. On XX/XX/XXXX, I received an email with an attached letter dated XX/XX/XXXX, stating that my request for correction of this error could not be granted. No reason was provided as to why it could not be granted. On XX/XX/XXXX, I called the corporate Lowes offices and spoke with a XXXX " XXXX '', who again advised me that the correction would be made and I would see on my statement within 2 billing cycles. I did not hear back from any one at XXXX or Synchrony bank for 2 months. I called back on XX/XX/XXXX, spoke with XXXX " XXXX '', who kept me on hold for a very long time because ( according to her ) " somebody was working on the case ''. She came back after about 45 minutes to state that the request had been denied again, stating that it was a store error and that I had to go back to the store to seek resolution again. I advised her that I had been to the store already ad that did not yield anything. I then asked to speak with a supervisor and a XXXX " XXXX '' came on the phone and said " we can't do anything here about it. It was a store error ''. I then asked to speak with XXXX " XXXX '' manager and a XXXX " XXXX ''. came on to say the same thing that nothing could be XXXX and provided me a mailing address in XXXX, FL, as the next level of escalation, as well as XXXX corporate number, XXXX. On XX/XX/XXXX, I called XXXX corporate again, spoke with an agent who transferred me the local XXXX store where I had made the project arrangements. I was placed on hold by someone who said that she worked in the XXXX department and that my issue can only be resolved by a store manager. I was on hold for about 45 minutes and then the call was disconnected. The rime was about XXXX. I called back to the corporate number, spoke with a XXXX " XXXX '', who placed me on hold again and transferred me back to the same store, where a XXXX " XXXX '', placed me on yet another hold to get me to speak with the store manager XXXX " XXXX ''. XXXX " XXXX '' was unable to get the store manager and so told me that a XXXX " J '' will call me back from the store 's main line. At XXXX, XXXX " XXXX '', called me back and said that she would escalate this to her district manager, a XXXX XXXX XXXX At XXXX, XXXX " XXXX '' called me back and left a voice message stating that she was unable to reach her district manager and that she would call me back the following day.
I have not heard back from anyone from XXXX or Synchrony bank since.
|
| 07/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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I need to give you my deceased brother 's name as the account is in his name, XXXX XXXX XXXX. My brother died in XXXX of XXXX. He had a motorcycle that he had financed in XX/XX/XXXX. He still had a balance of XXXX XXXX. We began paying the loan. I called Synchrony Bank to report the death of my brother, and I sent a death certificate. I didn't hear from them, and I didn't want them to come after my mother-in-law, so I started paying the loan. In XXXX of XXXX, I called Synchrony Bank and requested a payoff amount. I paid off the loan over the phone with the agent. The agent informed me that my title will be released in 10 days. Since XX/XX/XXXX of XXXX, I have been unsuccessfully trying to obtain the title. I waited for the title, and when it did not arrive, I called Synchrony Bank again ( 2nd call ). I was told at that time I had a XXXXXXXX XXXX balance that needed to be paid to release the title. I asked them how I could have a balance when I paid it off over the phone with their agent. It made no sense. I just paid it because it wasn't worth the aggravation. So again, I was told the title would be released in 10 days ; it is now XXXX. Again, I did not receive the title. I called Synchrony Bank again ( 3rd call ) and spoke to someone in the probate department. I was then told AGAIN that I had a XXXX balance. I explained that I paid XXXX, over the phone, with an agent. The agent said there was no record of it. I was then transferred to another department to try and resolve the payment issue. This agent told me that there was no balance on my account, but it looked like it went to the repo department. It is now the end of XXXX, and I received a bill. The bill does not say anything about the XXXX , but it does have a late fee of XXXX . So, I called Synchrony Bank AGAIN ( 4th time ) and was told the late fee would be waived. At this point, I am getting stressed out. I paid EVERY PAYMENT and a ridiculous amount of interest and ALWAYS ON TIME, and they won't provide me with the title over a XXXX XXXX late fee, which I now know they shouldn't have been collecting any money from me since it was my brother 's loan, and he was dead. So, this whole time, 5 years, I have been paying off his loan, not knowing that I didn't have to. I called Synchrony Bank again ( XXXX time ) and reached the probate department. The probate department told me I wasn't financially responsible for the loan, which would have been nice to know 5 years ago. Again, I was told that the XXXX $ would be waived and that the case was sent over to the title department and my title would be released. I still have not received the title. I came home yesterday and had another bill from Synchrony Bank for XXXX. I called Synchrony Bank again ( 6th time ). I made it through the matrix and was sent to a probate specialist. The agent got on the phone and told me there was a XXXX charge on the account and that is why the title hasn't been released. I asked how can I get a statement from you for XXXX and mention NOTHING of the XXXX charges. This agent, XXXX # XXXX listened to me and proceeded to take some action, which I greatly appreciated. He talked to the title department and relayed to me that I needed to email them a copy of the death certificate ( which I had already done, but there was no record ), the VIN # of the motorcycle, a copy of my court document showing me as the administrator and where I want the title sent. This was XX/XX/XXXX. I was told to follow up today to ensure it was processed. I called today, XX/XX/XXXX and it wasn't processed, they didn't even have the information I sent yesterday in the system. The agent XXXX looked in the email, found my information, and entered it into the system. He said my title is ready to be released, but he wanted to check on something. I was put on hold, more than once, for a significant amount of time. I can only assume there was another issue at their end. When he got back on the phone, he told me the title has been released and sent to XXXX and will arrive in 24-48 hours, but I have been told this before. The stress of trying to get this title has been a lot on me. Every time I called I was transferred and transferred and transferred, most of the time not getting to the correct person. As of today, it has been 10 weeks since I first paid off this motorcycle.
|
| 07/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Well I applied for a Care Credit Card back in XXXX and I only used it twice for Me and My Son and never used it again afterwards I paid off the XXXX Bill that was owed on the Card so fast forward to XX/XX/XXXX I was facing major XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX XXXX in XXXX, TN and when I came out of fresh XXXX XXXX I came back Home with my XXXX Sons and I had an episode that was a result of temporary trauma by having fresh XXXX XXXX as stated by my XXXX Doctor XXXX so my Daughter named XXXX XXXX took me to XXXX XXXX XXXX XXXX XXXX while I was at my lowest vulnerable points and XXXX lied to the Doctors that was examining me while I was in a very vunerable state and told them that I had XXXX and had a history of it when in fact I was just having temporary trauma from coming off XXXX XXXX couple weeks earlier so being the liar and fraud my Daughter is she out me under a Conservatorship and took all my Credit Cards, My Driver 's License, and even took my Son 's Photo ID and some of his stuff too my son is XXXX XXXXXXXX he had breathing problems lost oxygen at Birth so she put Me under a Conservatorship and took Me and My Son XXXX over to her and My Son-In-Law XXXX 's House for me to recover and while we was over there they come over to our House and started throwing everything we had and cared about like stuff my kids made like XXXX Ornaments when they was little, all my clothes, all my CDS, everything we both had down at the curb like it was trash and a bunch of people was walking up and down the road grabbing stuff up like it was XXXX to them she and my other Daughter XXXX did this not out of love but out of hate and spite and they did all this like as if Me and XXXX has done passed away well to make a long story short XXXX took our Dog named XXXX away and took him in as her own and took him away from us and took it upon herself to make herself as a user on my Care Credit Card and she ran up over {$2000.00} dollars worth of vet bills and she was commiting not only fraudulent activity in my Care Credit Card but also Conservatorship Abuse as well and now to cover her tracks she turned over the Conservatorship to my oldest Son and he's just as bad abuse wise in the verbal department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like the good book XXXX XXXXXXXX XXXXXXXX said my Daughter went on charging vet bills for 3 years and I had no knowledge of her doing this with my Care Credit Card until last year in XX/XX/XXXX I called and found out what XXXX 's been doing with my Care Credit Card so I asked the Customer Representative to close out the old Card and to take My Daughter off as a User on the Card for making fraudulent charges and I filed a fraudulent charge against my Daughter for these unpaid Bills and Care Credit has been investagating this since XX/XX/XXXX and they said in a recorded line that they would hold my Daughter financially responsible for these outrageous bills and wouldn't be held responsible for these bills so this year back in late XXXX early XXXX Care Credit sends me a bill for over {$800.00} Dollars saying they transferred the Charges from the Old Care Credit Card that I closed to my new Care Credit Card that I got that I never even used this is very bad business practices on Care Credits Part after they told Me they would hold XXXX liable for the unpaid bills and now they put what she did on Me that ain't right and Care Credit needs a XXXX XXXX for doing so as I am typing this message to you I XXXX XXXX am of sound mind and out under this fake Conservatorship by My Daughter XXXX XXXX and now transferred over to My Son and a corrupt Judge named XXXXXXXX XXXX granted this Conservatorship to my Daughter XXXX nd My youngest Son XXXX has been stuck in this House for 4 years since XX/XX/XXXX and she used my vulnerable state of mind i was in back in XX/XX/XXXX that put me in this position My Daughter XXXX needs to be investagated for not just credit fraud but for commiting perjury to the Doctors at XXXX XXXX XXXX XXXX XXXX and for putting me through the heck I've been suffering for the last 4 years and I even got documentation of my XX/XX/XXXX MRI Results documentation that I ain't got XXXX and it clearly says on there that my brain shows normal aging for my age and if Care Credit don't help me in my time of need then shame on them XXXX XXXX
|
| 11/10/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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In mid XX/XX/XXXX I reported my Synchrony Car Care card lost. Upon doing that I was told that I would be sent a new card. Weeks went by ... no card. So I logged in on XX/XX/XXXX and scheduled my monthly payment for XX/XX/XXXX ( due date ).
XX/XX/XXXX I still had not received a card and my account was no longer accessible online. I called rep and she said a new card had just been issued and made it so that I was able to set up the new account online. XX/XX/XXXX my payment had not posted to my account, so I contacted Synchrony via their message portal to have record of our conversation. I asked them where my payment was and gave them confirmation #. They replied that it takes 2 business days to process & post. I gave them 5 days before I contacted again. Payment had not posted nor had it been deducted from bank account. I asked them to credit my account for the payment and deal with finding the actual payment later since we were both in agreement that the payment had been made via the confirmation #.
They contacted me 2 days later and said " As per your request, our records indicate that an online payment of {$27.00} was cancelled on your account for XX/XX/2018. '' I informed them that I NEVER asked them to cancel a payment ... I asked them to credit my payment and they have the messages there to prove I NEVER requested that. They in turn contacted me 3 days after ( XX/XX/XXXX ) I messaged them this and stated that they had confirmation # for cancellation and they would reverse the late payment fee.
Since I found out that day that they cancelled my payment, I made them aware that I was making my payment the same day.
After I contacted them on XX/XX/XXXX again, I logged in to new account to make payment, once logged in I noticed that they doubled my payment due to {$46.00} because of the late fee. Once I contacted them about this they said " Our records indicate that the payment of {$27.00} was not paid by XX/XX/2018. Please note that the minimum payment due will increase on your account when there is a late payment. The minimum payment due is around 3.5 % of the balance, plus the late fee, plus the interest charge, plus the past due amount. '' The payment was late because THEY cancelled it!! I asked them to reduce minimum due to what it should be but now they won't reduce it to the correct amount. They keep saying I made my payment late!
I have been back and forth with them up until today. I even spoke to a manage who kept telling me that I logged in and cancelled the payment myself after I kept telling her I didn't. Why would I cancel payment if I didn't have access to old account to log in and cancel ... .and additionally why would I cancel payment if I'm asking you to credit the payment and find it since it already has a confirmation #. It didn't make sense what she was telling me. In customer service pattern after I asked her to stop over talking me and actually listen, she hung up on me. I called back and the new rep said there was no other manager to speak to, there was no one over the manager that hung up on me to speak to and she couldn't do anything because the manager that had hung up on me noted my account ( it's XXXX ... how is she already gone for the day? That was a lie ) that no one could make any adjustments and left for the day.
I have proof that I did not request my payment to be cancelled. I have proof that Synchrony did that on their own because they sent me email notification that they cancelled it because my account had a balance of 'XXXX '. Which led me to believe that when they opened my new account, my payment was there but instead of letting it sit and wait for the balance from the old account to be transferred over, they cancelled my payment and now are placing blame on me and penalizing me. My minimum due should be $ XXXX- {$27.00}. I have currently been out of work and trying to make my payments on time. The minimum due is what I budgeted for but yet the doubled my payment on me through no fault of mines but are placing fault on me and won't reduce it or adjust it.Saying because statement has already been generated they can't do anything. I've gotten so many different excuses as to why they can't fix their mistake that its crazy.
If I make a mistake or am late, I will be the first to admit, but in this case it was NOT me!!
|
| 01/15/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Purchased two pieces of furniture from XXXX XXXX XXXX back in XXXX of XXXX. I paid {$1000.00} cash and financed approximately {$1800.00} with Synchrony bank.
Upon delivery of the aforementioned, I received the wrong pieces and they were REFUSED AND RETURNED to XXXX. We went through a lot of back and forth to get the correct items. This took quite some time. Upon arrival of the second delivery, the two pieces of furniture were DAMAGED/DEFECTIVE. I called XXXX and was told that I should accept them and someone will come out to assess and take care of the problem. I was hesitant but I decided to accept them since they were very heavy and the drivers were complaining about having to take them back to the truck. I was advised to send pictures to XXXX and I did just that. After not hearing from XXXX after a week, I decided to call. I spoke with a manager and she informed me that based on the condition of the furniture, she would have to EXCHANGE them.
However, XXXX did everything to prevent the exchange. We would agree on a delivery date and time, but the time would change at the last minute when we would not be available. As such, the dates had to keep changing. In addition, XXXX decided to show up at my home even though I called in and informed reps and a manager that the time change would not work as no one would be home. Fed up of the runaround, I contacted Synchrony for assistance and was informed by the representative, that Synchrony would be able to help since I did not receive what I paid for. The rep went on to say that I " should not make any payments while the issue is being investigated. '' It took a long time to hear back from Synchrony as it relates to its decision. Surprisingly, Synchrony only requested information from Ashley Furniture and nothing from me to aid the investigation. Therefore, I disputed its decision and was told that another investigation needed to be done. Again, I was told to make no payments during the investigation. Synchrony 's decision at the end of the second " investigation '' was that XXXX could not get in touch with me. Again, no request for information from me during this " investigation. '' This is laughable! I called the store every week and my calls were not returned as promised. Also, I had only {$560.00} outstanding at that point. I was making payments in the amount of {$200.00} every month and I planned to make two payments to clear the balance. Therefore, I would have paid off the balance approximately SIX MONTHS ( or earlier ) prior to the end of the interest-free period, as indicated on the attached statement.
Fast forward to XX/XX/XXXX when another delivery attempt was made. This time the two pieces of furniture were even more damaged. I called the store, sent pictures of the defects/damages to the manager, and was told to refuse the delivery. I contacted Synchrony once again for assistance since its last decision was based on the fact that XXXX could not get in touch with me ( which is not true ). I was informed that another " investigation '' will be done, and I should not make payments until its conclusion ( no request for information from me, but it takes over a month before I heard back from Synchrony. I received a voicemail from a Synchrony employee, stating " Synchrony does not address issues with quality. You need to contact XXXX regarding issues with quality. '' This decision is totally different from the previous reasons for ruling in XXXX 's favor. Another delivery date was set up and another delivery attempt was made. Like the previous deliveries, the two pieces of furniture were damaged/defective. The material had cuts and other issues. Once again the delivery was refused and returned to XXXX.
Approximately four days ago I received a statement from Synchrony and interest in the amount of {$340.00} was added because " deferred interest '' was not paid on time. Bear in mind that Synchrony instructed me not to make payments during the investigations, which started in the summer of last year, and I was paying {$200.00} each month. prior to that. I contacted XXXX when I received the statement and XXXX agreed that I should not have been charged any interest since I did not cause the problem, still do not have what I paid for, and because Synchrony told me not to pay during the investigations.
|
| 09/22/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I'm writing to specifically dispute a charge off by Synchrony Bank for a charge on a Lowe 's credit purchase, based on a mistake by a Lowes sales associate, WHICH LOWE 'S HAS FULLY ACKNOWLEDGED!
I bought a XXXX refrigerator in XX/XX/XXXX and returned it within the 30-day return window in XX/XX/XXXX. The refrigerator was picked up by Lowes free of charge, but the Lowes sales associate apparently failed to also return the accompanying 5-year warranty and did not give me a receipt for the return. Apparently the cost of the warranty and subsequent late charges remain on my now closed account. ( I say apparently because exactly what I was charged for and the initial amount I was charged kept changing. ) I made SEVERAL calls, returned to Lowe 's in person on many occasions, and in the spring of XXXX on one occasion, a Lowes rep from their Extended Protection Policy department tried to have the charge removed in a 3-way call between me, the Lowe 's rep and a rep from Synchrony Bank . In that conversation the Synchrony rep told me my dispute was denied for reasons she could not articulate at which point I hung up.
After discovering the charge off when applying for a car loan, I sent an email earlier this year in XXXX to a number of Lowe 's and Synchrony executives. This supposedly resulted in an investigation by Synchrony Bank Senior SpecialisXXXX, XXXX XXXX, who sent a formal letter informing me that the charge remains on my account because their records show that Lowe 's " processed a refund '' in the form of a check, which is simply not true.
I received letters from Synchrony Bank informing me that I had to contact Lowe 's 'EPP ' department regarding a refund of the warranty, which I did on TOO MANY OCCASIONS TO COUNT! Each time I was told there was no record of any refund and I had to contact Synchrony. In any case, I HAVE NEVER RECEIVED A CHECK FROM LOWE 'S OR SYNCHRONY BANK IN ANY AMOUNT - EVER! And if the " processed refund '' was in the form of a credit, A CREDIT IN ANY AMOUNT OTHER THAN THE PRICE OF THE REFRIGERATOR HAS NEVER APPEARED ON MY BILLING STATEMENT - EVER!
In fact, the on duty manager of the Lowe 's store in question spoke to a supervisor in the Extended Protection Policy ' dept. in the spring of XXXX, ( because I was told by a Lowe 's rep on the phone that I could not contact an 'Extended Protection Policy ' Supervisor ; that I had to go to the original point of contact - again - and ask a manager to follow up on any " processed refund '' ). That supervisor, XXXX XXXX XXXX ' told us that my account showed no record of any check or EPP refund being processed.
Furthermore, according to the copies of the Lowe 's billing statement I've attached, I was actually charged for " deferred interest, '' not a warranty, and of course I shouldn't have been charged interest in the first place because the refrigerator was returned. ( In the letter sent to me by XXXX XXXX, the amount of the phantom " processed refund '' of {$270.00} differs from the actual cost of the 5-yr warranty I purchased, which was {$220.00}. In fact, the amount I was charged on various billing statements- with or without late charges - fluctuated, making it impossible for the four different Lowe 's managers I met with at various times to determine exactly what I was being charged for. ) And please note, in an additional Synchrony Bank letter also attached, Synchrony doesn't state exactly what I was charged for and instead offers varying explanations for the charge - none of which applied in this case. ( However in one copy of a billing statement, also attached, {$270.00} is in fact listed as deferred interest. ) And again, to be clear, according to letters from Synchrony I needed to call Lowe 's at the number provided in its letters to ask about the refund 'their records show was processed. ' But IN EACH AND EVERY CALL TO LOWE 'S I was told there was no record of any such refund and I needed to contact Synchrony Bank. ( Minus my final call during which the Lowe 's rep informed me that only the store manager could speak to a supervisor, hence the in-store call to XXXX XXXX ' ) Bottom line here - an error by one Lowe 's sales associate has been immeasurably compounded by Synchrony Bank and become a protracted, outrageously agonizing and ultimately very costly burden on me.
|
| 10/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
On Tues, XX/XX/XXXX, I went to Rooms to Go Furniture Store in XXXX, GA to purchase a new diningroom set. I already carried a Rms To Go credit card with an available balance of about {$1000.00} or {$1000.00} since paying it down FROM {$1200.00} ( that I was originally approved for ). I was approved during a time when I made LESS money, and was based on ( I believe ) a 60mos no interest with payments at $ XXXX/per mos. Because I had been working on paying off this acct, I would pay a lot more ( for ex : sometimes {$80.00}, {$50.00}, {$40.00}, and even $ XXXX/mos ) in order to a ) be ready to make my next big purchase of the diningroom set I'd been wanting for some time at Rms To Go, and b ) paying down/off debt to improve my credit scores. I knew the diningroom set I wanted would've been about {$500.00} higher than my initial {$1200.00} credit limit. I was only about {$200.00} or less shy of " paying it off entirely '' ( the rms to go cred card ). I visited the XXXX Rms to Go on XX/XX/XXXX to see if I could receive a credit line increase ( adding about {$800.00} to my already established credit limit of {$1200.00} ) to make it a solid {$2000.00}, so that I could take advantage of the XXXX XXXX Sale which was similar to my original promotion of " no interest for 60mos with low payments per mos '', as these terms worked within my budget. Again, my " available credit '' at the time BEFORE I walked in was around {$1000.00} or {$1000.00}. Once I asked for a credit line increase, I was thinking I'd be approved or disapproved, while STILL maintaining my " available balance of {$1000.00} or {$1000.00} '', while continuing to pay down the remaining balance on a per month basis. Instead, I was not approved, AND they " lowered my credit limit '' down to {$250.00} " all in ONE SETTING ''. I was heartbroken and SHOCKED. Mainly at the fact that after they disapproved me for an increase, they PROCEEDED to " lower my credit limit '' that I worked SO HARD to pay down by putting MORE MONEY towards it, so that I could make my next big purchase. I could have put more money towards other things and paid the minimum w/Rms to Go, had I known they would do this to me after I worked so hard to pay it down ( anticipating my next needed purchase ). There was no warning, no info listed in my contract that stated these types of practices, and no way to appeal ( based on my latest phone call ). I can look into the credit issue because I have worked hard on my credit ( in general ), so paying things on time IS NOT THE ISSUE. As a consumer, I felt that when you're approved for a credit card limit, and you pay it off, the avail balance returns to the original amount. I had no warning whatsoever that they'd do this from my coming in on XX/XX/XXXX to request an increase. It's like saying, " No, you are not approved, AND we are also taking the money you've paid down and not allowing you to purchase anything else from us ''. That's what it feels like. The Synchrony Bank rep-XXXX ( their creditor used ) said on XX/XX/XXXX that they lowered my credit score to keep down identity theft, and that they do this for ALL their customers if the card is not used. I did not understand that logic nor reasoning, and told him I had never heard nor had any info in writing of them lowering my credit limit without my knowledge just that quick. I called again on today ( Sat, XX/XX/XXXX ) & spoke to XXXX displaying my dismay in a calm fashion ; requested an explanation as to why ; and asked why there was no appeals address on the letter they sent. *Note : If I had NEVER came into Rms To Go on XX/XX/XXXX, I'd STILL have my AVAILABLE BALANCE OF $ XXXXor {$1000.00}, and be in a position to purchase the diningroom set of my choice ( while just paying out of pocket the remaining balance ). I am now back to paying $ XXXX/mos for the last {$140.00} or less balance that is left. The way Rms To Go and/or their creditor Synchrony Bank did this ( *lowering my credit limit when I paid well over the amts a # of times to pay it off ) is highly disheartening to a consumer. Had I known this would happen prior to my original purchase, I could have made a sound choice to either a ) proceed with purchasing OR b ) going to another retail chain for better options. The way things were done was highly deceptive practices.
|
| 06/10/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I received a letter from Synchrony Bank date d XX/XX/XXXX , stating my 11 accounts ( Paypal, Chevron, Gap, Old Navy , Wal-Mart, XXXX , TJX, JCPenney, Walmart MC , Amazon, and XXXX ) were currently under review and my charging privileges were suspended. Synchrony Bank requested that I sign and complete the enclosed IRS XXXX . Therefore, I signed and completed the IRS XXXX form and mailed it back to Synchrony Bank. I received a letter dated XX/XX/XXXX , from Synchrony Bank stating my accounts were closed due to being unable to substantiate the income provided with the IRS. HERE ARE THE FACTS : In XX/XX/XXXX , I signed and sent in form XXXX along with a copy of my marriage certificate, social security card, drivers license, as well as my non-taxable income pay stubs. On XXXX / XXXX / XXXX , I received a letter from the IRS stating they were not able to provide the requested XXXX due to the name not matching. Also, I received a letter from Synchrony bank on that same date stating my accounts were closed due to my income not being substantiated with the IRS. After numerous phone calls made to Synchrony Bank on XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX , I recei ved a return call from a representative. I explained my situation to the representative and she stated she would be mailing me out a new XXXX form in the name XXXX to sign. This was due to me writing my maiden name XXXX on the form, as my IRS tax return is filed in my maiden name " XXXX . '' I explained to the representative that my IRS tax returns were filed in my maiden name, which is XXXX . She stated this will not be a problem. I also stated to the representative that I previously sent in my MARRIAGE CERTIFICATE as proof of my maiden name. She stated once the form was signed and mailed back, my accounts would be reopened. Finally, on XX/XX/XXXX , I received a letter from Synchrony bank stating that I had to complete and re-sign the form XXXX . Therefore, I promptly signed the XXXX form and mailed it back to Synchrony bank. As of XX/XX/XXXX , I have not received any correspondence regarding my second XXXX EZ form, and all of my accounts are still closed. I have called on numerous occasions ( XX/XX/XXXX ) trying to resolve this issue, to no avail. I have not received a call back or any correspondence regarding the status of this matter. UPDATE After signing and submitted all requested documentation to Synchrony bank : two ( 2 ) XXXX forms ( one in XXXX ( maiden name ) and one in XXXX ( married name ) ) ; marriage certificate ; social security card ; XXXX Driver 's License ; proof of residency ; as well as proof of income ( non-taxable ), Synchrony bank still CLOSED all of my accounts ( 11 ). Synchrony bank has wrongfully clo sed my 11 acc ounts. I currently have an income of {$71000.00} which I submitted proof ( substantiated ) ( {$29000.00} taxable ; {$42000.00} non-taxable ). I am requesting an immediate re-investigation into this matter due to Synchrony bank wrongfully closing my accounts. I was " misled '' by Synchrony bank into providing my private IRS tax transcripts to XXXX XXXX , only for them to close my accounts. What Synchrony bank has done to me is illegal and unethical.and purposefully deceitful. As I have complied with all of Synchrony bank 's requests for verification, tax transcripts, etc. My concerns, comments, and complaints were completely ignored and every interaction was negatively escalated by representatives of Synchrony bank because they did not want to help me in the first place. Synchrony bank is a " poor '' representation of all brands affiliated with it. I wish to bring awareness to the lack of support and good business practices o f Synchrony Financial which reflect poo rly on these businesses. Synchrony bank has no morals, does not stand for the people, and is a terrible representation of American companies and brands. In order to hold Synchrony bank accountable, I am requesting appropriate sanctions as seen suitable by CFPB be imposed on Synchrony bank. I am also requesting Synchrony bank reinsta te my 11 accounts immediately. Thank you, XXXX XXXX ( XXXX ) XXXX
|
| 09/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
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On XXXX XX/XX/2022, I purchased items from XXXX XXXX online using my Synchrony Bank Pay Pal Credit Card. The order number was XXXX. On or about XXXX XX/XX/2022, I received notice from XXXX XXXX XXXX, an agent of XXXX XXXX, that the items that XXXX XXXX shipped to me were counterfeit. I sent XXXX XXXX XXXX a copy of my invoice to let them know that I did order the items from their client, XXXX XXXX and after nearly a week, XXXX XXXX worked with XXXX XXXX and determined that the items they sent to me were not counterfeit. Approximately, one month later, I received notice from XXXX XXXX XXXX that XXXX XXXX once again believed that the items that they shipped to be were counterfeit. I explained to them that we had just gone through all this but it now made me suspicious that if XXXX XXXX and XXXX XXXX both believe they shipped me counterfeit merchandise, then they must be counterfeit as the merchant would know their own items. I contacted Synchrony bank and explained the situation to them and that I suspected XXXX XXXX, based on two separate notifications to me that XXXX XXXX believed they sent me counterfeit merchandise that indeed my item were counterfeit. I asked them if I should notify local law enforcement or give the suspected counterfeit merchandise to a postal inspector as I believed that knowingly shipping counterfeit items is a crime, specifically 18 U.S. Code 2320. SInce XXXX XXXX, per XXXX XXXX XXXX, believed that they knowingly shipped me counterfeit items, per XXXX XXXX, then I wanted nothing more to do with these items since they may be counterfeit. I was told Synchrony Bank would get back to me when they opened the dispute. On XXXX XX/XX/XXXX, without any explanation or information to me, Synchrony Bank closed their dispute and the charge for the counterfeit goods ( alleged by XXXX XXXX, per XXXX XXXX ) was placed back on my account. On XXXX XX/XX/XXXX, I noticed the charge was posted to my account and explained that I should not be responsible for counterfeit items that were sold to me by XXXX XXXX which, per XXXX XXXX XXXX, XXXX XXXX had " validation '' that these items were counterfeit. I asked why the dispute was closed without Synchrony Bank seeking any additional info from me and was told they heard back from the merchant. I too have documentation from the merchant which calls into question the veracity of the authenticity of the items I received.
It is my understanding that most eCommerce purchases result in customers receiving the genuine items they originally ordered. Occasionally, however, a cardholder will purchase an item that is not what it seemed to be. In other words, the merchandise is fake.
Counterfeit goods can range from car parts and electronics to XXXX or musical instruments. However, designer goods represent a large part of this market. Buyers may find shoes, handbags, or sunglasses offered at unbelievable discounts, only to find that the item is an imitation.
And as if feeling cheated werent bad enough, some faux merchandise may pose a serious risk to buyers. Products like pharmaceuticals, vitamins, contact lenses, cosmetics, and more must past rigorous safety inspections before being sold. Knockoffs of these products, however, are not monitored, and may be dangerous.
If a customer makes a purchase, but the goods turn out to be fake, the customer should contact the merchant to demand a refund. But, if the merchant is unresponsive or not helpful, the buyer would be entitled to a counterfeit goods chargeback.
A counterfeit goods chargeback can happen in cases where goods sold as name-brand merchandise turn out to be imitations. Fortunately, any chargeback with a counterfeit goods reason code should be the result of a mistake on the part of the merchant ; the seller didnt disclose that the goods were not genuine items.
Synchrony Bank did not provide me the protections to which I am entitled and it is XXXX XXXX, the merchant, who told their agent XXXX XXXX that the item XXXX XXXX sent to me were counterfeit. But for XXXX XXXX contacting me I would have had no idea that I was the recipient of counterfeit merchandise. Synchrony Bank should not be able to condone the selling of counterfeit items and should not punish a consumer for seeking help for items that could ( per XXXX XXXX ) be counterfeit.
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| 07/21/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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On XX/XX/2020 XXXX XXXX, XXXX, California charged {$620.00} for UnRendered /not done dental services. When I got my Care XXXX Bank ( CC/SB ) credit card statement, I noticed that the charge of {$620.00} was made on XX/XX/2020 & " card security fee '' of {$10.00} charged on XX/XX/2020 without my consent.
On XX/XX/2020 and XX/XX/2020 I've called both XXXX XXXX [ to reverse the charges for unrendered services & cancel any future appt as I do not trust them/they won't further injure my person and make me sicker ] AND CC/SB [ to dispute the charges & fees ].
Both refuse to do my requests and advise I call the other!
CC/SB phone system is automated with long delays & unclear prompt options causing the caller to guess on the prompt to reach a voice speaking agent as apparently the live agents are off shore in the XXXX [ I found out after 8 repeated calls to the customer service phone # on the statement of XXXX with auto prompts & fumbling /guessing through to finally reach a voice in the XXXX XXXX This resulting in wasting my time, vioilating my credit consumer rights, along with confounding and stalling tactics. Bait and switch as well as on the back of the statement in Very Small Type they have the gall to state that written disputes override phone called in disputes-this just contributes to violating procedures and stalling tactics of CC/SB. Consumer Protection Act Violating.
The dispute procedure is erroneous, complicated, & 'stalling ' in nature/lengthly, which creates a financial burden on my credit reporting due to their preditory illegal procedures, ie : filing, dispute process, mail required back and forth ; all to stall and slow down the process & compromise my financial health.
I asked for a confirmation #, email [ that they have in my file to confirm my dispute is received ] for my complaint & dispute in addition to a paper mailed confirmation. I was told they do not provide nor have a procedure for confirmation # s or tracking of disputes. She just took my name and address. All customer service rep could provide me was for me to log date & time, she's in XXXX [ which I did for my records ].
I'm just supposed to 'trust ' them to follow through. I think not, that's why I have to waste my time filing a complaint to consumer finance.gov to get reasonable and legal resolution to this unnecessary situation.
In addition, I believe there may be selective financial or other rewards to XXXX XXXX for promoting CC/SB card to health & financial compromised patientsand the consumer should be made aware that XXXX XXXX has a financial stake or partnership in pushing CC/SB on to health compromised dental patients into opening and putting inflated dental charges onto the CC/SB credit card, esp. when financially strapped Covid-19 pandemic unemployed time framed patients are and in need of emergency dental care, do not have the financial means to pay interest on a credit card 6 weeks before services are rendered and are boxed into the CC/SB as their only solution. Trust me, in pain, it was like being boxed into a corner of buying a lemon car from a sleazy salesman when you are homeless and have to live in that care as your home and you are XXXX sick with XXXX. That is why I do not trust XXXX XXXX I'm not having them do my dental care, and not paying for unrendered services, interest or CC/SB fees attached to my account that I didn't authorize.
I dispute the charges, they must reverse immediately with no fees, interest, ornegative credit reporting, send me an email that they have received my dispute and reversed the charges.
In addition, you must Audit XXXX XXXX, Upland, California as they operate like a preditory and Illegal bank, first aggressively offering that they have financial options, that the licensed dentist will finance, then upsell services, once the patient refuses, they aggressively promote CC/SB credit card options at the patient, such as what has happened to me and push that my on option to have treatment is to open Care Credit and put inflated services onto the CC/SB credit card, boxing me in to this as only option to get my medically urgent services completed for my health and well being. No cosmetic XXXX involved.
Sick patients should not have to boxed in and manipulated into this unreasonable situation.
|
| 06/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am writing to file a formal complaint against your institution and PayPal, PayPal Credit Synchrony Bank, and XXXX regarding ongoing violations of the billing error settlement process, I am writing to inform you that I have sent all relevant parties a 30-day demand letter in accordance with MGL 93A section 9, ( PayPal, PayPal Credit Synchrony Bank XXXX and XXXX ) for their violations of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601-1661, and the Truth in Lending Acts ( TILA ) unauthorized use provision, 15 U.S.C. 1643.
Your failure to complete the investigation within two billing cycles and the erroneous chargebacks, totaling {$2900.00} as of XX/XX/XXXX, and rising, have prompted this complaint.
Furthermore, I would like to bring to your attention that as of today, you have reported my account as delinquent and are attempting to collect, which is a direct violation of federal law.
Complaint Details : - Parties involved : PayPal, PayPal Credit, Synchrony Bank, and XXXX - Violated FCBA Provision : Failure to promptly credit or refund overpayments and other amounts owed to my account, as outlined in Section [ insert relevant FCBA section ].
- Transaction Details : On XX/XX/XXXX, I purchased a XXXX vacation for {$530.00}. Subsequently, on XX/XX/XXXX, XXXX issued a refund credit of {$110.00} for the rental car portion, and on XX/XX/XXXX, XXXX, Washington XXXX DC, approved a one-time merchant refund for the hotel portion of {$430.00}.
- Unauthorized Charge : On XX/XX/XXXX, PayPal authorized a chargeback for the same amount of {$5600.00}, falsely claiming it was a provisional credit. However, it appeared on my statement as a new charge with a different receipt number. The original refund from the XX/XX/XXXX transaction was never issued.
- Consumer Financial Protection Bureau ( CFPB ) Complaint : In XXXX, I filed a complaint with the CFPB and informed PayPal in writing that I refused to pay for the charge and demanded corrective measures and the appropriate refund for the rental portion.
- Misleading Resolution : PayPal informed the CFPB that they resolved the issue and issued a refund of {$530.00} on XX/XX/XXXX, which was essentially the provisional credit from XX/XX/XXXX. However, they never refunded the original XX/XX/XXXX transaction.
- Ineffective Dispute Resolution : Despite multiple calls to PayPal to dispute the credit card charge, XXXX informed me that I had lost my dispute case, leading to no adjustments being processed. Additionally, the XX/XX/XXXX charge that had been applied to other transactions was never removed after the provisional credit refund was issued.
- Current Status : As of XX/XX/XXXX, my account remains incorrect. PayPal and the credit bureaus continue to report that I owe them {$530.00}. They are charging me interest on this transaction and have provided false information to the CFPB and credit reporting agencies, falsely claiming that they resolved the issue.
- Official False Credit Billing Dispute : In XXXX, I submitted a letter stating that I refuse to pay for the charge and filed an official false credit billing dispute complaint, which PayPal has yet to acknowledge or respond to appropriately. They have continued to report the amount owed for seven months, despite my objections, and have denied me the refunds that I am entitled to. These unfair, deceptive, and abusive practices have caused financial harm and adversely impacted my credit report.
I expect a prompt and thorough investigation into these matters and request an immediate correction of my account. Furthermore, I demand that you cease reporting my account as delinquent and halt any collection efforts, as they are in violation of federal law.
Subject : Notice of Sent 30-Day Demand Letter in Accordance with MGL Ch 93a section 9 to PayPal et . al, PayPal Credit, and Synchrony Bank Financial certified mail on XX/XX/XXXX Tracking Number ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Financial Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( PayPal et.al ) This complaint serves as a formal notice to the regulatory agency of my attempt to resolve the matter amicably within the specified legal framework. I kindly request your attention and involvement in ensuring a fair and timely resolution. Thank you for your assistance in this matter.
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| 02/08/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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I noticed some fraud/unauthorized charges on my Lowes Credit Card and called to report this in/around XX/XX/XXXX. I had not used my Lowes Credit Cards in years and the reason why I decided to review this account is because my balance did not seem to be accurate. I have auto draft payments ( minimum payment ) and I knew that there were some promotional purchases but it seemed awfully high. I called Lowes Credit Card Division immediately and let them know what was going on. They cancelled my old account number and advised me that I would receive a new card within 15 business days. I also verified that my address was correct because I had recently changed my address and I believe some of the fraud charges may have stemmed from having my old address on file. My current addressed was verified, but because the most of the charges were old I did not have access to see the transactions. I was told that I needed to request the old statements and call back in once I could identify which charges I authorized. Several weeks later I did receive the statements and I went through them one by one. I still had not received my new card but I was not concerned because I did not want to activate the card until my fraud transactions have been resolved. In/around AugustXX/XX/XXXX, I called to report the Fraud charges which started in XX/XX/XXXX and anything past that date was fraud. My belief is was someone at the previous address may have gotten a hold of my card or account information, but I wanted it investigated. I never noticed the charges because I had used my card in a very long time and since I only can pay the minimum each month, a high interest rate, and promotional purchases I figured the balance on the account was mine. I went through each charge with the agent to report the fraud charges and was informed that I would get a provisional credit and I was not responsible for any fraud on my account. This agent also advised me it could take up to 60 days to complete the investigation which I understood and was OK with. 3 months go by and I have not received my new card, no provisional credit, and no communication about the investigation. I called back in XX/XX/XXXX and asked them for the status of my account and investigation. After many transfers, a supervisor advised me that the person who took my report did not correctly mark the charges as fraud and that they would have to initiate the investigation again. The supervisor was very accusatory and wondering why I took so long to report since I was making payments. I told him that I had not used my card in years and I have the minimum payment auto draft so I assumed any balance I had on the account was mine. I also asked why it's taken over 90 days to investigate my case and now I have to wait another 60 days? He advised me it was a system issue when the report was taken. This agent was able to reissue another card and told me I would hear back regarding the investigation. A few days later I did start to receive digital letters in my Lowes account online. On XX/XX/XXXX I got a notice that they have cancelled the card I never received, opened up a claim, credited the disputed charges, and notified the credit bureaus. On XX/XX/XXXX, I got another digital letter informing me that my minimum payment for the current period would be {$0.00}. I assumed that was due to the investigation. However, on XX/XX/XXXX I received another digital letter to inform that my claim was resolved and there was no fraud on my account. The letter mentioned that the charges on my account were temporary, I am not sure how any charges that happened from XXXX to XXXX are temporary but I knew this was not accurate. My account was never credit any charges or interest and my account payment in XXXX was the normal minimum amount due not the {$0.00} as the letter suggested. In addition, I was able to receive my new card at my current address but there was a yellow forwarded sticker on it and I believe there maybe some issues with my mailing address or someone may still have my personal information. Either way I have lost all confidence in this company protecting my account and personal information. I accessed my account on XX/XX/XXXX to review what account was on file and they still had my old address along with my new one.
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| 05/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
Older American |
|
On XX/XX/XXXX I entered into a contract per XXXX XXXX in XXXX Tx for an amount of {$2400.00} to be paid to Synchrony Care Credit interest free for 2 years. This was my verbal understanding.
I received initial documents from them, which I can now see quoted an expiration date of XX/XX/XXXX for the interest deferment. As I am a XXXX, who has had three XXXX surgeries ( at that time I was XXXX, and had not yet had the XXXX surgeries, so with greater impairment ), I still relied on my verbal understanding, since the print on the statement is too small for me to read.
I set up autopayment in an amount that would have the debt paid off in the 2-year term I believed I was working with.
My contact with Synchrony has been by email which stated the expected balance each month and led me to believe I was on track to pay the full sum in a timely manner.
After my XXXX payment I received the usual email, but this one stated a balance of double what I believed I owed.
Upon logging into my account, I could only see the following : This was the weekend, and no customer service is available until regular business hours. I called first thing Monday morning and was told that my promotional offer had expired and I had been charged the above outrageous interest charge and that I should have seen a warning on my statement.
The monthly email does NOT contain the statement or a link to it. If I use the link and log on I get this confusing screen that does not easily lead me to the statements.
Having this screen which has statements in the smallest font at the bottom of the screen, virtually obscured by the View Credit Score box, its easy to see that I relied on the email and my understanding of the term and never drilled down on the statement.
After instructions from the Customer Service employee, I found the statement and can see that there was a warning that the promotion was about to expire, but I would never have found it without said instruction and certainly never thought this was an urgent issue, since I was making no purchases and had no reason to think there was a problem.
If the lender was interested in transparency, there should have been a warning on the monthly email that I would incur this interest charge after XX/XX/XXXX certainly on the XX/XX/XXXX email if no other. However, I believe it was their goal and design to hide the impending charge from me, so that they could hit me with a gotcha penalty, six months before the amount was fully paid.
In my conversation with the bank, I was told that I should have asked them to send me a paper statement if I could not see the statement online, but again, I had no reason to believe that there was an issue.
I immediately paid the reaming due {$600.00} from the original loan and am requesting that the interest charges be waived, or at least substantially reduced based on what I believe were deliberately deceptive practices to keep me unaware of the impending charge, therefore incurring an astronomical interest rate.
Upon writing this, I have seen that there was a small additional amount over {$600.00}, so have paid an additional {$10.00} to cover.
I should also mention that I have an excellent credit score ( over 800 ) and would never incur rates such as this.
Did I make a mistake in not scouring each document, month by month? Yes, but I submit that a good faith institution would have communicated the danger openly, rather than hiding it under layers of fine print and difficult to locate documents.
I believed Synchrony to be a reputable institution, having been led there by my doctor and having seen it elsewhere, and based my good faith actions on that trust. Unfortunately, that trust was misplaced, and they are merely another mob of opportunists, operating under cover of technical legality, while using tactics to assure them the greatest level of income without regard for whom they are robbing to get their questionable gains.
Again my request here is to have the usurious interest charge removed I have fully paid my original balance, or at the very minimum to reduce it to a reasonable rate commiserate with my credit score.
Please let me know if there are addition actions or items needed to further this request.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX
|
| 07/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Older American |
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XX/XX/XXXX To Whom It May Concern : XX/XX/XXXX I went on a cruise to XXXX XXXX, went into a jewelry store, looked at and liked a very expensive ring and well over my budget. The store owner after a long conversation tried to convince me I could have it ad he could make it happen. I was with my daughter so long in the store, the ship was blowing the horn to leave, and she works for the cruise line and was getting upset with the situation. I told him my only credit card Synchrony Banana Republic only had a {$4800.00} limit, the charge he wanted to put on my card was {$13000.00}. He asked if he could try my card for {$5000.00}, I agreed, it came back denied. Again was going to leave, but he said when could I pay for it? I told him a year XX/XX/XXXX, and I would be paying cash at that time because of a CD maturity, because my income would not allow a credit and/or payment for a charge at that amount. He also said he had a lot of money in New York at Synchrony Bank and he could " make it happen '' if I wanted it to. I said no, I ca n't afford the payment. I would pay cash in one year or leave without the ring. He said he would hold the credit slips exactly one year, and I could leave with the ring. I left the store and hurried to the ship, with practically no paperwork just the store receipt and appraisal. When arriving on land in XXXX, I tried to use my card for a simple {$20.00} purchase, was told my card was over limit and could n't use it. I reported fraud that day and said I would call again the next day and the next day as soon as I returned home to XXXX, I reported it as fraud. After 6 months of back and forth communication with the merchant and Synchrony Bank, I was denied because of the credit slips I signed. I argued the fact I did n't approve it nor was even informed of these charges on XX/XX/XXXX, and left the store confident that I would not have a huge charge on my account with unaffordable monthly payments. But lost the argument, as I had nothing in writing regarding the terms and I signed the slips. After several months of correspondence with Synchrony the only resolution I had was a " hardship payment plan '' of $ XXXX/month and no interest. With interest accruing with a payment I could not afford, this account would go on for over 20 years. I agreed to payment plan I was offered no other resolution. I have been paying on time $ XXXX/mo ever since XX/XX/XXXX. I noticed my credit score went from XXXX to under XXXX, and was very upset, never had such a low score, especially looking into trying to buy a home and trying to figure out why because I pay everything on time. Two weeks ago, I applied for a XXXX XXXX credit card for {$1000.00} and was denied. I have NEVER been denied credit card, because I do n't abuse my credit. My entire credit report shows every entry for over 15 years paid on time, and my credit balances on my other cards are 0-38 %. I called the credit bureau to be sure what the problem was. They informed my I have perfect credit payments, excellent long time usage, but the only negative issue is this Synchrony account showing 176 % of my credit ratio. I t is bringing my fico down to under XXXX and will until I get that 176 % ratio changed. They informed me I could pursue this incident, which I was unaware of since I have never had any problems before and felt Synchrony bank had the final decision and I had to accept it. I could not understand how this could even happen as if I never wanted an increase on my card. In the past if I wanted any increase on a credit card, I could request it, and be approved. I do n't understand why I was not even contacted about this transaction, and I had no knowledge of it until I reached XXXX and could not use my card. I feel that this was unfair and abusive practice to a senior over XXXX years old as myself. Especially without my request or approval or even knowledge. I now feel that the merchant was n't kidding about having someone in New York Synchrony where he has a lot of money, and he actually DID MAKE IT HAPPEN without my knowledge. Please note attached the page from my credit report today showing the Synchrony Bank reporting. The rest of my credit report is available to substantiate my information reported herein this report. Respectfully submitted, XXXX XXXX
|
| 08/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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Every since I have been a customer of [ Schronony Bank ] Paypal I paid on the XXXX of the month due to my finances. I never received a letter from Paypal that my due date is changing. As a customer, I should have options on due date changes however Paypal never sent me an email or letter to my mailing address which I never opted out from any mailings from Pay pal. I never received a statement either. Because I filed complaints against Synchrony Bank and Paypal they are retaliating against me.
I called Pay Pal [ Synchrony Bank ] on XX/XX/2021 as I always pay my bill on the XXXX of every month suddenly Paypal changed my pay date from the 2nd without any notice to let customers aware, customer service apologized and I tape-recorded it.
When you call PayPal customer service they hang up and/or have poor customer service avoiding customers ' calls. Their website is hard to communicate because their chat states they are still learning and don't answer questions ( see attached ).
Reference # XXXX on XX/XX/2021 about the suddenly changed due date and late charges. The customer service apologizes and {$90.00} was left in my account. Then I add XXXX to my account from XXXX XXXX. Then the customer service Paypal changed my due date back to XX/XX/2021, the XXXX of every month. [ customer tape recorded ] Now Pay pal is putting unlawful interest on my account to make my payments late without prior knowledge changing the due date I had ever since I was with Paypal. They are doing this to benefit their business and to fraudulently mess up my credit as I complain in the past and they need to be investigated. By thousands of ratings against Pay pal and complaints online by many customers, I see how they are treating customers to enrich themselves by conducting these illegal activities.
I cant get on the Paypal website to review things as I hit the button it states, Bad Request ( See attached ). Then the summary statement doesnt work and doesnt have all information. I cant get any statements they dont mail it to me, or the website doesnt work either. I had to pay {$40.00} by calling pay pal due to the website issues. They don't show on the summary I paid an extra {$40.00} and they refuse to show me how much interest and payments they take out every month too ( see attached ). I never opted out from Pay pal sending me statements. But here are the statements to show I pay the XXXX of every month and it doesn't show how much interest or payments Paypal takes out every month. For the XXXX statement, I can get it because it states Bad Request as the Paypal website doesn't work.
XXXX PayPal customer service supervisor was very disrespectful on the phone calling me " honey ''. I asked him not to call me that, I began to tape-record him because he was yelling and very argumentative as I requested his boss. He told me that he can't change my date which I had the XXXX of every month ever since I been with Pay pal.
Paypal is conducting some unlawful actions to benefit customers.
On XX/XX/2021, customer service changed my date to XX/XX/2021. Then Synchrony Bank changed it back to XX/XX/2021, on XX/XX/2021. XXXX from Synchrony Bank states that they can't change it back until I pay {$21.00} which I don't believe I owe as I don't have any statements from the Paypal website and/or never opted out from any mailings.
Then I received all these emails from Paypal that my account is compromised or I ordered something I never ordered ( see attached ).
With the COVID 19 and all the economic issues, Paypal and Synchrony Bank is trying to enrich themselves off the bank from vulnerable citizens with unexplained charges, poor website, no statements showing amounts they are taking out, and poor customer service [ yelling and screaming ] on the phone at customers. Synchrony Bank finds it amusing to treat customers poorly and their actions are nefarious and cold.
I am also copying this complaint with the Department of Justice, Congressional Oversight Committee, US Department of Treasury to investigate this company 's Synchrony Bank and Paypal for illegal policies and practices, website issues, failure to communicate with customers properly about changes, maliciously hurt customer 's credit ratings ( XXXX, XXXX and vulnerable ) and poor unethical practices.
|
| 09/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Last XX/XX/2020 I inadvertently got involved with a scammer from XXXX who persuaded me to make financial charges for his behalf under the guise of a business loan. Once I realized what was happening I made every effort to stop everything and advise everyone involved. I have paid all of my bills in full. I am having difficulty receiving credit for two disputed transactions on my Sam 's Club/Synchrony Bank Mastercards. The original card I owned ending in XXXX was compromised so a second new card ending in XXXX was issued in XXXX. The amount of credit due to me is {$2000.00} plus {$100.00}, total due {$2100.00}. I made every effort not to indicate this was the result of a scammer solely to protect the other women involved, they too were victims. I am attaching full documentation, if more is required I have it available, please advise.
I phoned my original 6 transaction dispute to Synchrony Bank Customer Service earlier in XXXX though I do not have notes for this conversation. I recall it was challenging getting a connection due to the new COVID 19 shut down.
On XX/XX/2020 I submitted a written detailed dispute to Sam 's Club FCBI Synchrony Bank for 6 transactions of varying amounts charged on XXXX XXXXXXXX XXXX. Total amount of disputes was {$7500.00} and also included a bank payment for the same amount on XX/XX/2020 from a source I was given, not an account I own. I received an automated voicemail from Sam 's Club Credit Services on XX/XX/XXXX acknowledging my dispute.
On XX/XX/2020 credit posted for 4 transactions total value - {$5400.00}. I was charged {$29.00} interest for the {$2100.00} that was not credited to my account. Sam 's Club/Synchrony Bank statement dated XX/XX/2020 reflects these transactions.
On XX/XX/2020 I submitted a letter in an attempt to clarify my bill and bring attention to the fact I had not been credited for two outstanding disputed transactions mentioned above plus the interest charged. I received an automated voicemail from Sam 's Club Credit Services on XX/XX/XXXX acknowledging my dispute. I spoke with Customer Service on XX/XX/2020 for 18 minutes and was told I owed nothing, it was still being investigated. On XX/XX/2020 Synchrony Bank responded and apparently misunderstood my inquiry clarification completely. Synchrony Bank takes five weeks for responses to be delivered by mail so I received their response after I'd spoken to customer service.
On XX/XX/2020 I submitted a more detailed credit dispute itemizing all transactions and including all bank card statements. I received an automated voicemail from Sam 's Club Credit Services on XX/XX/XXXX acknowledging my dispute. On XX/XX/2020 I phoned customer service and spoke with XXXX for 15 minutes. He understood and saw the discrepancy and credited my account for interest and late payment fees. He also read a message to me he wrote requesting a follow-up from a bank representative who could take care of my problem, I should have received a call from them within 48 business hours. I never received a call. I phoned customer service again on XX/XX/2020 and spoke with XXXX, I believe, who assured me she was giving me full credit for both disputed transactions and all interest and late payments fees. I received a written response on XX/XX/2020 dated XX/XX/2020 denying my refund completely for lack of new information. I received an online written e-response dated XX/XX/2020 stating I would not receive refund for {$2000.00} because I should take it up with the merchant. Note : they neglected to include the additional {$100.00}.
My response : I have been working with the merchant all along Sams Club Credit Services/Synchrony Bank in an effort to resolve their inaccurate accounting.
I printed my balance from my account website yesterday, XX/XX/XXXX. XXXX did credit all late payment fees and interest charges, perhaps in excess, but I am still being charged for amounts I do not owe. Due to XXXX 's generosity of credited fees my balance is now {$2100.00}.
I paid all the original charges totaling {$7500.00} on XX/XX/2020 after all original disputes failed. This is reflected on the last statement dated XX/XX/2020. I refuse to pay any of these charges twice. I should be credited for the amount still owed to my account from the original dispute.
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| 06/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2020. We signed up for an Ashley Homestore credit card through Synchrony bank. We were approved for this card and then proceeded to make an online purchase due to the " stay at home order '' from Covid-19. For some reason, the purchase was not going through and the same exact order was submitted 7 times. Each of these orders failed, meaning none of the furniture would be ordered or delivered. However, for some reason, 2 of the orders posted to our credit account in the amount of {$2500.00} each. This has put a hold on our available credit in the amount of {$5000.00}. At the time, we only had a {$6000.00} credit limit.
In the first 10 days after this, I spent well over 30+ hours on hold waiting to speak with someone and have this issue fixed. There were times when I would spend 2 hours on hold, only to have someone speak to me for 30 seconds and transfer me to " someone that can help ''. I would then be put back on hold for around 2 hours, only to have the call end without anyone ever answering. Eventually, I did finally speak with an agent who arranged for a supervisor to call me.This was on Saturday, XX/XX/XXXX. This supervisor explained that the issue would be fixed and I would be compensated for my time with a 15 % discount code that she would email to me ( which I never received ) and additionally, once we placed our next order, she would authorize an additional 10 % of the entire purchase for a total of 25 % off. We haven't been able to place an order because we do not have the available credit needed due to the above mentioned issue.
On XX/XX/2020 we decided to go to our local Ashley Homestore in XXXX XXXX, XXXX. We were hoping that somebody there would be able to help us and we could order the furniture we wanted. We were told by multiple people there that the " online '' and " in store '' were basically two completely different entities within Ashley Homestore. We wanted to order a few items while there and the finance specialist explained that if she increased our credit line, then we would be able to use the available credit for our in store purchase. We ended up placing an order in the amount of {$2000.00} and have received those items.
To date, I have called the online customer service line and have numerous messages through their online and app chat. I have spent easily over 60+ hours on hold and have spoken to at least 6 different agents via chat that have all told me this would be taken care of. I started messaging Ashley Homestore on XX/XX/XXXX due to the fact that I could never speak with anyone through their customer service phone line. I didn't get a response on the chat feature until XX/XX/XXXX. This is after continuously sending messages. I was told this issue was going to be resolved within 24-48 hours. On XX/XX/XXXX, I messaged again to state that the issue was still not fixed and I never received the above mentioned discount code from the supervisor. The agent told me that a supervisor would reach out to me soon. Of course I didn't hear anything so on XX/XX/XXXX I messaged again. I didn't hear anything back. I called the customer service line and spent hours on hold, again without speaking to anyone. I messaged again on XX/XX/XXXX and didn't receive any response. I messaged again on XX/XX/XXXX and was connected with someone.
The last person I spoke with via chat on Wednesday, XX/XX/XXXX ( 2020 ) said this issue was submitted and would be cleared on my account within 24-48 hours. I explained that I wanted to have an email sent to me with some sort of confirmation. I was told that this want not something they could provide. I asked for this agent to send me an email from her directly stating that this request was being handled. I received that email and have attached it to this complaint. It has now been a full week and this issue is still not fixed. I messaged again on XX/XX/XXXX and did not receive any response. I messaged again today, XX/XX/XXXX and still haven't received a single response.
Since XX/XX/XXXX, I have also been told on 4 different occasions that a supervisor would call me within 48-72 hours. I haven't received 1 single phone call from a supervisor. The has easily been the worst, most incompetent customer service experience I have ever been involved with.
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| 01/22/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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I needed to order custom material for a project thru Lowes on XX/XX/XXXX. The store advised me that i needed a pro account to place the order, and advised that their PRO account required a commercial credit card thru Lowes even though i didn't need a card at the time. I was told i could open the commercial credit card account under my company name or in my personal name. i didnt want a credit card, so i left to try other stores. But the material was out of stock in other places. So, on or around XX/XX/XXXX, I applied for a business credit card online ( I'm the sole owner ) with me as personal guarantor. i also released freeze on my credit reports that night. I called to check on status a couple days later and was told they could not access my credit. I explained i had released the freeze after applying and was advised that i reapply immediately. I did that and was immediately denied. i reapplied a few days later and called immediately to follow up was denied again. Right after that, I applied under my personal name just in case. I eventually got the denial for the business applications, one listed that the business DUNS could not be verified and the other 2 listed reason for denial as " Personal Guarantor files inaccessible ''. For the personal application, i received a letter asking me to call for further verification dated XX/XX/XXXX. I called on XX/XX/XXXX and was approved immediately for a {$12000.00} credit. I asked if this card would allow me to purchase commercial orders per LOWES XXXX account and was told yes. SO, I accepted the credit card. On XX/XX/XXXX, I went to the store to place my order and was told my credit card was a consumer credit card and i couldn't place a custom commercial order thru that. The XXXX agent had me apply for a commercial credit card again. He told me he would get back to me with the decision in a few hours. He called me a few hours later and advised my app could not be processed due to a credit freeze. He asked me to unfreeze the credit and come back to the store to reapply. He confirmed that there would be no problem reapplying immediately. i released my credit freeze this morning XXXX XX/XX/XXXX XXXX and went to the store. We reapplied and was denied again and was told reason would be mailed to me. The store gave me the credit dept number and the appreference no. for further information. I called the number and was directed to my consumer credit card account. I requested to convert that to a commercial account to proceed with my project and was told that could not be done. so i requested closure of the consumer credit card. I called the number again and asked for feedback on the app that was denied at the store. The rep advised the business app can not be made under a personal name and i should try applying online under my business name and tax id no. without adding a personal guarantor or my ssn. I attempted again, but the online app did not allow me to proceed without listing a personal guarantor. I listed myself again and was asked to call a number for verification. I did and followed steps, but was again denied in the end. I have been told the reason for denial would be mailed to me.
I have had similar experience with XXXX in XX/XX/XXXX when i needed to place a custom order In effect, XXXX has forced me to apply for credit i do not need multiple times when all i want is to purchase the products i want. Their commercial credit system seems to have a flaw where their commercial credit services keeps denying because they cant access my credit, but i see on my credit report that they have indeed pulled my credit. Also, it is disingenuous that their commercial credit is unable to access my credit while their consumer side was able to access and approve a much higher credit than i need. Their store reps and online reps also seem to keep giving me conflicting advise.
This effort has cost me unnecessary delays in my project and unnecessary inquiries into my credit report when none should have been needed. All i wanted was to buy the right product.
The store agents were very helpful, but havent been able to help me because of XXXX ' poor policies.
I would like to dispute all the credit inquiries and the decisions made by XXXX and its affiliates on my credit account.
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| 04/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid my Sam 's Club credit card monthly amount for XX/XX/XXXX of {$4400.00}. During XXXX, our Sams club card number was stolen, so they sent us new cards with new account numbers. My wife, who pays or bills, erroneously sent the payment under our old SamsClub credit card number, not changing the number on her billpay under our XXXX Checking account.
When we received the XXXX statement in XXXX of XXXX, our payment was not recorded. I called Sams Club and told them we paid it, and when we paid it, and sent them a copy of my bank statement, and they said they would credit back my account for the original payment made on XX/XX/XXXX. So, we paid our XXXX amount.
However, when we received the XXXX statement, Sams club issued TWO credits on that statement, then also TWO debits, in effect nulling out the credits. So I called Sams Club again, stating what had happened previously ( 2 hours on the phones ), and they said they received the proof of payment, that it was their mistake, and they would rectify it on my XXXX statement.
When I received my XXXX statement, I did receive the credit for the payment, and was very happy. The XXXX statement was also clear of any erroneous charges.
Then I received the XXXX statement, and XXXX and behold, they placed the {$4400.00} charge back on my bill. Once again, I got on the phone for XXXX hours, explaining the excruciating history of what was happening, and, once again, Sams club rep looked at the history, looked at the proof of what I sent them, apologized profusely saying they will issue the credit, and that it will never happen again. I received my XXXX statement, and they issued my credit of {$4400.00} once again.
Now, I'm starting to get nervous. I have XXXX XXXX, and this was setting me on edge.
I received my XXXX statement, and everything was good, no problems with that statement. Then, once again on the XXXX statement, yes, you guessed it, Sams club/Synchrony bank once again charges me for the {$4400.00}!!!!!!! I couldn't believe it. I'm feeling harassed at this point. Sooooo, once again, I get on the phone with Sams Club, and for another 3 hours, explain to a XXXX ( manager at Sams Club Credit Card Services ) my plight. Well of course, she's shocked! She can't believe this is happening to me! She will get this straightened out, and right away!! She asks me to fax her my XX/XX/XXXX bank statement ( again ) proving I sent the payment. I did, and she received it, verifying receipt over the phone, stating she will put it in the file of my all my problems for this payment. I asked for an email from XXXX XXXX Sams Club ) stating the problem was resolved, and she sent it to me, and I have attached all the backup throughout the year of what has happened.
So, I got my XXXX Sams club statement, and seeing that Sams Club gave me the credit for the payment, I was elated. XXXX!! But, all the while, secretly thinking, all along, that this wasn't the end. And, it wasn't.
I received the following statements from Sams club, XXXX, XXXX, and XXXX, and all were clean as a whistle.
THEN... I get text messages from Sams club whenever my account goes over {$5000.00}, and I received a text message from Sams Club on Saturday XX/XX/XXXX stating I was at {$9000.00}. My heart sank. I knew my wife nor I had made any huge purchases, so I got on line on my Sams Club account to review the acitivity.
And there it was. Once Again. The put the {$4400.00} charge from EXACTLY a year ago back on my account!!!!! THEY PUT IT BACK ON M ACCOUNT, AFTER ALL THEY PUT ME THROUGH!!!!
I was at an apoplexy, I was ballistic, I was raging mad as XXXX. I have had enough. I want not only my credit issued back, but I want remuneration for the ABUSE these people have put me through. I found the charge on Saturday, XX/XX/XXXX, and I had to go to the ER THAT SAME DAY because I thought I was having a XXXX XXXX, all due to this. I am not lying here, I will have the hospital bills to you as soon as I get them. They said it was only a XXXX XXXX, but I truly thought I was XXXX. I am so sick of this, my XXXX XXXX is through the roof. I have done everything they have asked me to do, and they still XXXX, harass and badger me to no end. I HAVE PAID THIS XXXX BILL!!! And they won't leave me alone. Please help.
|
| 12/13/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I opened a Care Credit card through Synchrony Bank at my dentist 's office in XXXX of XXXX. My dentist told me the card would provide me 24-months of interest free credit to pay for the procedure I was receiving. I was given absolutely no paperwork, and signed nothing. The initial charges totaled around {$3000.00}.
I returned to the dentist for a follow-up visit and was given a receipt for the Care Credit account that did not match the original terms, and instead specified a 12-month interest free term. The receipt was also unsigned, and " Signature on file '' was written where I was supposed to accept the contract. I explained the discrepancy ( that this was supposed to be a 24-month interest free period ), and the dentist 's office manager said they would take care of it. He said he would call Care Credit and have the issue corrected.
I started to receive bills in the mail, and continuously paid on the card through the term. In XXXX of XXXX, I noticed a large interest charge added to the account. I called Care Credit, and they explained this charge was added because my initial balance was not paid off in 18 months, and I was being charged back interest for the promotional period. I explained that my interest free term was supposed to be 24 months. According to their records, however, I was on an 18 month plan. They said there was nothing I could do at this point to rectify the situation, and I was fully responsible for around {$700.00} in interest charges. I asked them to please produce any paperwork I had signed accepting this 18 month term. They said they would mail it to me, and it could take up to 60 days. I heard nothing from Care Credit during that time. When 60 days passed, I called their Customer Service line again and was told that they were unable to find the information I requested. I asked how that was possible, and they had no explanation. I also asked if it was their standard policy to open these accounts without a signature or acceptance from the account holder, and they said I would have had to sign a sales slip that included the loan terms ( which they could not find ). I asked if there was anything I could do to rectify the situation, and they told me to have my dentist call in and correct the mistake.
I spoke to my dentist 's office manager, who agreed to call Care Credit and explain the error. Upon calling, however, he was told there was no way to change the account to the 24 month term. I called Customer Service again myself, and again asked what I could do to fix this problem, especially given that they had no paperwork from me in their records and my dentist had acknowledged the mistake. They recommended I go to my dentist and ask for the signed sales slip ( which he was required to keep ) and to fax it to their Promotions department. I returned to the dentist and obtained a new copy of the 12-month " Signature on file '' slip ( mentioned earlier ). I faxed the slip to Care Credit and called them. They said it would take them several weeks to process and review. About a month later I received a letter saying they were declining to correct the issues with my account.
I kindly request any assistance you can provide in wiping these interest charges from Care Credit account. I fully satisfied my loan balance ( less the interest ) within 24-months, and should not be liable for these additional interest charges. Care Credit 's compounding and retroactive interest charge policy was never explained to me when signing up by my dentist, and I never saw or received any paperwork ( other than a bill ) when the account was opened. I never spoke to any Care Credit representative until I called Customer Service inquiring about the interest charge 18 months into the loan. And I never saw or signed any contract explaining and detailing the Care Credit process when applying for or opening the new account. I have also continued to accrue interest at a nearly 30 % APR rate while trying to resolve this issue. To me, this seems extremely predatory. I have worked with them to attempt to rectify the situation for over 6 months, and provided every piece of paperwork and dentist corroboration they have requested, yet they refuse to budge. The interest charges are now around {$1000.00}.
|
| 10/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To whom it may concern on XX/XX/2023 I wrote a letter to XXXX stating that I had been a victim of identity theft and there tradelines and inquiries on my consumer report that I didn't authorize. And XXXX reported it to Synchrony Fraud Solutions Team. On XX/XX/2023 I received in the mail that my fraud investigation on accounts ending in XXXX and XXXX was unable to approved for the following reasons : Payments have been made by you on this account.
The account has been open for more than XXXX months with statements sent to you.
The purchased items were shipped to my address.
These allegations are false and hearsay. I have never made payments on any of these accounts nor did I receive monthly statements on these tradelines. Nor did I obtain goods, services or money as a result of the transaction issue. If I did received goods, services or money as a result of this transaction issue or have made alleged payments on these accounts please have a senior executive or someone with who has first hand knowledge of this transaction issue to certify under the penalty of perjury that I have in fact receive goods, services or money from this transactions. If you can not then it is hearsay and allegation with no substantial proof. ALSO PLEASE PROVIDE ME WITH RECEIPTS OF THE ALLEGED PURCHASED ITEMS THAT WERE SHIPPED TO MY ADDRESS AND HAVE THESE DOCUMENTS SWORN UNDER PENALTY OF PERJURY THAT I RECEIVED THESE GOODS AS RESULT OF THIS TRANSACTION ISSUE.
I, THE CONSUMER DID NOT BENEFIT, CONSENT TO OR AUTHORIZE THESE TWO TRADELINES!!
Also pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) my consumer report is not supposed to include any transactions between the consumer and the creditor furnishing the report. And also pursuant to 15 USC 1681a ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; IS NOT SUPPOSED TO BE INCLUDED IN A CONSUMER REPORT! You are commiting fraud and breaking Federal LAW! NOR DID I GIVE YOU A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT FOR ME. THAT IS FRAUD!
Please note under the GrammLeachBliley Act you have violated my consumer rights. Pursuant to 15 U.S. Code 6802 ( b ) ( 1 ) of the GLBA you may not share any personally identifiable financial information aka non-public personal information about a consumer, unless you have provided a disclosure that provides an opportunity to Opt Out as well as directions as to how the consumer can exercise that non-disclosure option.
SYNCHRONY BANK did NOT fulfill its legal obligation with respect to the disclosure of the consumers personal information in accordance with the GLBA, therefore SYNCHRONY BANK did NOT lawfully OR legally obtain the consumers consent to share its private financial information with any Consumer Reporting Agency.
SYNCHRONY BANK has reported private financial information about the consumer, to Consumer Reporting Agencies without lawful authority resulting in the breaching of the initial contract associated with the above account number, deprivation of the consumers right to privacy ; and the use of another persons identifying information without consent to commit a crime which constitutes Identity Theft pursuant to 15 US Code 1681a ( q ) ( 3 ).
In accordance with 15 US Code 1681c-2 and 15 US Code 1681s-1 ( a ) ( B ) you have 10 days to either DELETE all inequitable/ negative account information associated with the account number provided herein this notice ; OR provide me with proof that SYNCHRONY BANK provided a GLBA compliant disclosures or otherwise acted with legal authority when it reported private account information about the consumer-to-Consumer Reporting Agencies.
PLEASE NOTE THAT XXXX, XXXX & XXXX HAVE ALREADY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT AS THEY ARE AWARE THEY WERE THE RESULT OF IDENTITY THEFT.
PLEASE NOTE IF THESE ACCOUNTS ARE REPORTED BACK TO MY CONSUMER REPORT YOU WILL BE IN VIOLATION OF THE FCRA! ONCE A ACCOUNT IS REMOVED IT IS ILLEGAL TO PUT BACK ON A CONSUMER CREDIT REPORT!
This deprivation of the consumers right to privacy is causing the depravation of the consumers right to contract. In addition to credit extension deprivation, the consumer has suffered a loss in wages and financial ruin.
|
| 06/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Hello CFPB, My dispute is with Synchrony Bank and its on-line services. Synchrony Bank is set up to automatically make charges on your credit accounts regardless of pending claims. Synchrony Bank therefore is conducting itself in a fraudulent manner to extort more money through late fees on claims that are pending resolution AND charging minimum interest fees on closed accounts. This subsequently impacts your credit report, creates undue stress, financial robbery, extortion and is creating a hostile environment.
The initial credit card that I filed a fraud dispute with was a Sam 's Club Master Card ( SCMC ) owned by Synchrony Bank.
I froze the SCMC account in XX/XX/2022 because I incurred a host of fraudulent XXXX charges to my SCMC account. When I realized they were continuing to allow fraudulent charges through. I called to discuss this and they informed me that auto subscriptions continue to be charged even when the account is frozen? So much for freezing the account?! I HAD to pay the balance in order to close the account. Which I was fortunate to have the money at the time to do.
I submitted the fraud claim in XX/XX/2022 with SCMC, they automatically closed the account and issued a new account number. When they did this they subsequently transferred all transactions onto the other account number in XXXX while they dealt with the charges. All the charges were from XXXX.
I did not make these charges nor were they reflective on my XXXX account as an auto subscription charge. There was no history or reference on my XXXX account. I was also unable to access a person for XXXX to file a complaint about the charges. It is a complete automated system referring you back to your on-line account and XXXX number that they give you in the first place. Runs you in circles. That is another issue to file about.
On XX/XX/2022, all charges from XXXX were transferred to my new SCMC. On XX/XX/2022 most charges were credited off my new SCMC and I was issued a refund check. However, on XX/XX/2022, SCMC re-transferred three of the same XXXX transactions back onto my account. So, I was left with an outstanding balance. When I called to discuss it the customer service representative said that if I had filled a fraud claim then I would have not been responsible for those charges, only the others? So I waited to see if they would be dealt with. They were not.
A month later I checked the SCMC account to make sure all transactions were cleared and the account closed. What I found was, the three XXXX charges were not credited back off. Those charges were fraud and should not have been re-billed. By this time I was charged a late fee because of them. Now I had a larger balance.
On XX/XX/2022 I filed another fraud claim on the balance. SCMC automatically issued another credit card and transferred the balance again to another number. I decided to pay the balance through a bill pay from my bank so I wouldn't get anymore charges. Nope. Thinking that my check was just not posted yet, I waited. In the meantime, I find out that I have incurred yet another late fee, now of {$40.00}. So, I paid the {$40.00} on-line.
I come to find out that my bank sent a payment but it was applied to another Synchrony account that I had? The check clearly stated Sams Club on it. I filed another claim, now a payment dispute claim on XX/XX/2022.
I got back into town on XX/XX/2022 and got on-line to check the account to see if any responses or changes were made to the account. None. So I called the fraud department with SCMC. After being put on hold a couple of times to check the account, the rep talked to the supervisor and they said because the fraud charges were re-billed to the account that it was a billing issue not a fraud issue and that I would have to call them instead. What?! -They have access to all my transactions and all my on-line complaints right in front of them on the screen. So, I told them that was bs and that I was filing a formal complaint with Synchrony Bank. Which I could not find a place to file with a Human Resources division of Synchrony on-line. So, here I am writing my complaint to CFPB.
I have paid again for this account to be XXXX. I paid the amount of {$82.00} on XX/XX/2022 at XXXXXXXX XXXX MST.
|
| 08/16/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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I am writing to you for an issue I have been dealing with for over 2 years now. I have attached all the documents that I kept track of during the process of this project. I will be brief as I can with what has happened..
.Lowes was hired to do my kitchen project. I had to pay all money upfront, which I should have never agreed on, but that was their terms. I had faith in such a large company to compete this project professionally. Also, on their terms, they voided their contract after not completing the project in 3 months. I actually took them 37 weeks to get it done to the point it was functional. Lowes messed up all my flooring. They installed the wrong tiles in some places. They removed of it and replaced it. The contractor did not replace it correctly and I had issues with the tiles cracking, all the grout coming out. There were other issues causing problems as you will read below. Their project manager never came back to oversee the project, I requested he not come back and they bring in someone new. No one never came. Their contractor walked off the job holding material, which I ended up having to manage to tell a new contractor what was needed. Lowes didnt even know what to do.
I stayed home to work for many, many days when I was expecting for a contractor to come. I even kept track of the days I was home and my own hourly rate. I have attached this as well.
So after many conversations with Lowes, they kept saying to me that they will not settle or fix anything until they were able to get things in the kitchen done. Well, they ignored the issues with the floors and they kept telling me that we can discuss that after. Repeatedly I kept hearing the same thing. So when the contractor was done with kitchen part, they offered me a {$500.00} gift card. Never offering to fix the flooring issues. Then I filed my first dispute with Synchrony Bank refusing and stopped paying on the card. Lowes offered me {$8900.00} dollars back to give me a credit for my floor. Ok, I said I accept that, but that still doesnt resolve the issues that were caused by your mistakes, you are only giving me back what I paid for. I received a check for {$8000.00} not what they originally told me. I again said that this was still only a credit. I filled repeated disputes with Synchrony Bank about this issue. Lowes would not cover anything with their warranty. They told me that once I cashed that check that they would stop negotiating with me. First off, there was no signed letter stating this. I never agreed to anything like that and for them to sneak that in is tricky and unprofessional.
I filed a report with the better business bureau. I priced up what it would cost for my floors to actually be corrected, which would be over {$20000.00}. I had to glue and support the damaged flooring they installed and would not repair. I had to raise my floors in other parts of my house just to make it flush. This had to be done because you couldnt rip out the floors, which Lowes would not do.
So after the XXXX complaint, and multiple complaints, I received a letter from Synchrony Bank stating that Lowes has already agreed to settle for an additional {$12000.00} with me ( This letter is attached as well ). This was all I wanted, and was happy. This would have paid off the balance and taken care of the issues I have to redo myself. I waited, and waited no check. I called and followed up and no one has any clue as to where this money is. So, Lowes, completely lied to me, to Synchrony Bank about what they did. So, I refuse to this day to pay another dime to this account. It should have been taken care of.
Today, I received an affidavit via email from the fraud team. I never filed a fraud claim, and do not accept responsibility for the charges due to the voided terms and conditions on Lowes contract that was breached. Lowes stated they were sending {$12000.00} credit. Where is it? I am one person again this Billion dollar company, and they cant even get their story straight and have never accepted responsibility for these mistakes.
Synchrony bank since then has been damaging my credit due to this issue. They closed all of my other accounts I had with them because of this. They said once it was resolved, they would fix it.
|
| 02/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
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Web |
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PayPal credit has been actively unhelpful and negligent in handling a 3rd part ( XXXX ) credit obligation setup on my PayPal account. On XX/XX/XXXX, I made a purchase via XXXX for an item for which I opted for XXXX 's " 12 Easy Payments '' offer totalling {$2400.00}. As a result, this XXXX " Credit '' was rolled into a Paypal Credit account, ( I had no Credit account with Paypal prior to this XXXX purchase ). From the beginning, this arrangement has been riddled with misinformation and lack of transparency. I first contacted Paypal Credit after reviewing my first Paypal Credit statement on XX/XX/XXXX indicating that my XXXX purchase was being charged interest from the moment I made the purchase of XX/XX/XXXX ( {$5.00} incurred during the 5 day statement period ). This is not what I had believed my terms to have been, so I attempted to contact Paypal Credit regarding my concerns. Initially, I was redirected by a representative to XXXX for more information regarding terms ( because, I was told, this was something that Paypal Credit only administered and had no other info ) before being bounced back to Paypal Credit and a new representative who informed that, yes, Paypal is in fact the administrator to contact on this item. It was at this point in time that I was made aware of the interest calculation being applied to my account ( accrued daily from the time of purchase ). Eager to get this item paid off due to the terms that I did not feel comfortable with, I made a payment on XX/XX/XXXX to clear off as much of the balance as possible. I was told that there was nothing Paypal could do and that I had consented to the terms as outlined. Up until this point, I can say with sincerity that while I was a bit surprised by the reliance on fine print to explain what I had initially thought was a simple purchase and promo offer, I would not characterize my interaction with Paypal as negligent. However, every interaction following my next call with a Paypal Credit representative the following week on XX/XX/XXXX I would now characterize as negligent. It was on this call on XX/XX/XXXX, now made aware of the interest terms that apply to my XX/XX/XXXX charge, that I explicitly requested a dollar figure from the support rep that would close out this balance and obligation. I was informed by the rep of that amount total ( {$470.00} ), and authorized that payment over the phone. Since that date, I have since received my newest statement dated XX/XX/XXXX with the line item still listed and a partial balance remaining on the item in question. After talking with one representative on XX/XX/XXXX, who was totally unaware of the terms as they apply for a 3rd party offer such as mine, I was misinformed that I was not being charged interest on my item and told that I misunderstood the terms. I knew this to be incorrect ( I had already paid a total amount to Paypal beyond the purchase amount, so this was indisputable ), so I requested that I be transferred to someone more knowledgeable of this transaction type. After explaining the situation to the Supervisor, I was informed that the payment made with a service rep over the phone on XX/XX/XXXX was not applied in a way that would fully cover the total balance due. I informed the supervisor that I explicitly requested that that be done, and that the rep unequivocally confirmed that to be the case. I asked whether the interest incurred since that payment could be waived given the clear error. She said it could not be waived. I then asked how could I confirm that any new payment I were to make would be properly allotted so that the balance would clear. She informed me that Paypal Credit is unable to provide any documentation that confirms this action, and that as the supervisor that this would be done correctly. I informed her that I would be contacting any and all consumer protection bureaus regarding what I considered to be negligent behavior and mishandling of my account ( by providing me with incorrect or misinformed information in nearly every interaction I've had with Paypal Credit since the account was setup ) that has cost me interest incurred with no acknowledgement of error. She responded that it was within my right to do so, with no other acknowledgement.
|
| 02/03/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I opened a TJX rewards card online on XX/XX/XXXX ( account XXXX ) while sitting in the state of Colorado. I received the card in the mail within 7-10 business days after opening this card. I did not use this card until XX/XX/XXXX at the XXXX next to my apartment in the state of Colorado ( XXXX, CO ). On this same day, I received an email from TJX Rewards, and I ignored it/never opening it assuming that it was an email regarding how I just used my card for the first time, later realizing it was actually an email saying that my statement for that month had closed on XX/XX/XXXX and my payment will be due on XX/XX/XXXX. On XX/XX/XXXX, I received another email stating that my bill was due from my XXXX statement and upon viewing this bill, I saw a charge for {$550.00} only from XX/XX/XXXX. I knew that I had only used my card on XX/XX/XXXX for the first time and only spent ~ {$32.00} and that charge was not on this statement but rather on my XXXX statement. I immediately called the customer service number on the website ( XXXX ) and filed a complaint along with being transferred to the fraud department. After a 37 minute phone call, the women stated that I would hear back regarding the fraud complaint in 30 days by hard-copy mail only. On XX/XX/XXXX, I still had not heard anything, so I called the same number again ( XXXX ), this time speaking with a man who told me that no fraud complaint had ever been filed. Being shocked, since I spent almost 40 minutes on the phone with someone a month ago, the man still stated that he wasn't sure what the issue was but was going to send me a new card and open a fraud complaint. Again, another month passes and I hear nothing, although I did get my new card ( new account XXXX ). On XX/XX/XXXX, I call a different number that I found via XXXX for fraud with synchrony bank. I called them and explained that I had previously open a fraud complaint and still haven't heard anything back. AGAIN, They stated that no fraud complaint was ever noted on my account. I was then transferred to XXXX in the fraud department ( phone number XXXX ) and also XXXX in investigations ( phone number XXXX ) and they successfully marked the charge as fraud. After a few days, I finally received a notice in the mail regarding the fraud charge. On Tuesday XX/XX/XXXX, I received a letter via email from TJX Rewards stating that " XXXX XXXX XXXX XXXX has reviewed your claim and is unable to approve it because you authorized, participated in or benefited from the purchase ''. I called the number on the bottom of this letter ( XXXX ) to appeal this decision. The man, XXXX, on the line stated that the claim was denied because I used " a temporary slip with a passcode that was given to me after I opened the card in the store '', I went on to explain that I did not open the card in any store, that I was sitting in my house in Colorado on my computer when I opened the card. He stated he would re-open the case. Upon calling back the next day to get some questions answered and being that I wanted to provide more proof so it does not get denied again, the person ( XXXX XXXX, stated that in their notes, it actually does not say whether the card was opened in person or online, it just says I used a temporary code that was given. They also couldn't even tell me if the California charge was made in person or online, but they believed it was made in person at the XXXX in XXXX. On XX/XX/XXXX, I took a look back at my emails, noticed an unopened email from TJX Rewards from XX/XX/XXXX and it was an email with a temporary code, that I had never even noticed nor had I used. I asked XXXX if i could send them this code and email to verify if that was the temporary code used in the fraud charge, however, he stated no that it would not help. I asked how they had proof that I used the temporary code and not someone else, and they did not have an answer. I made sure that my case was re-opened and I asked if I could send proof of where I was on the day of the fraudulent charge ( XX/XX/XXXX ) being that I was actually traveling in the state of Nebraska and clearly not in California. They stated that I could. This is where we are in the case currently. It has now officially be 3 months dealing with this.
|
| 08/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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This is in regards to Verizon Visa Signature Card, underwritten or financed by Synchrony Bank. Synchrony Bank said that an electronic payment of {$200.00} that was made on XX/XX/XXXX by Citibank to Verizon Visa Signature Card was never received. I complied with their request to demonstrate proof of that transaction. I went in person to a Citibank to speak to a XXXX who then researched and subsequently handed me a Transaction Activity document showing that {$200.00} was debited on XX/XX/XXXX, then credited back to my account on XX/XX/XXXX. The {$200.00} was then debited once again and sent to Verizon Visa Signature Card on XX/XX/XXXX. I mailed the documents that Synchrony Bank requested in a parcel but they claimed that they never received that parcel. On XX/XX/XXXX at XXXX my mother and I spoke to a Verizon ( not Verizon Visa Signature Card ) employee named XXXX XXXX the phone. He reassured us that he would make a payment for {$280.00} to Verizon Visa Signature Card and that we didn't have to worry about anything. There was never any misunderstanding on our side nor on XXXX 's side. He was very clear and direct that he had made that payment to Verizon Visa Signature Card. He was also very cordial and professional. He even gave me a reference number ( XXXX ) as proof that the payment had been made. Then on XX/XX/XXXX Synchrony Bank informed me that I was late on the payment in dispute. I spoke to them over the phone and they opened a case to review the problem. By now the amount had risen to {$290.00}. The customer service representative told me to fax them the same documents they initially requested in XX/XX/XXXX. I once again met with a Citibank manager who gave me the Transaction Activity document. She reassured me that the {$200.00} was in fact paid to Verizon Visa Signature Card on XX/XX/XXXX. The documents I sent by fax were never received because the fax number they gave me was invalid. I resent them the documents by fax using another number they gave me on XX/XX/XXXX at XXXX. The store where I faxed the documents from confirmed that the documents were received by Synchrony Bank. I spoke to two people at Synchrony Bank named XXXX and XXXX on XX/XX/XXXX between XXXX and XXXX. They confirmed that they received the requested documents but that the problem wasn't resolved. XXXX then said she would contact the proper authorities. Another dispute was opened for review in XX/XX/XXXX, and a Synchrony Bank employee said that they in fact made a mistake and that she was sorry. But I received a letter from Synchrony Bank saying that they completed their review of the payment that has been in dispute for over a year now. I was very upset and once again spoke to a Synchrony Bank employee by phone in XX/XX/XXXX. The employee told me that he would take care of the problem and pay the entire amount. I told him to please send me a final pay-off bill showing that I didn't owe any money to Synchrony Bank XXXX He reassured me that he would in fact do that. In addition, he said he would send me a check for {$5.00}. I was confused and asked him why ; to which he responded that Synchrony Bank owed me that amount. I received that check on XX/XX/XXXX and deposited it in my account. True to his word, I received a bill that shows {$0.00} balance. A section in that bill shows a purchase date for XX/XX/XXXX, a purchase amount for $ XXXX Payment No Interest, Deferred Interest Charges - {$0.00}, Promotional Balance - {$0.00}, and Expiration Date - Paid Off. It also shows that all of the previous late fees, interest charges and purchase refunds were removed. The bill also shows that they sent me a refund check for {$5.00}. Unfortunately, this was once again false information. I had been lied to again. I received a bill from Synchrony Bank in XX/XX/XXXX for the original amount of {$200.00}. I received another letter from Synchrony Bank on XX/XX/XXXX saying that they found an incorrect balance, and they credited my account for {$14.00}. The last correspondence I received from them was a bill in XX/XX/XXXX for {$220.00}. I believe that Synchrony Bank is engaging in deceptive practices, they hire inept employees, and they are harassing me. Thank you for helping me. I will send any documents you request.
|
| 10/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
We opened a credit card account at XXXX and XXXX. The credit card company is SYNCHRONY BANK. The bank is the issue. We were supposed to get 20 % rewards. 10 % is typical, but the other 10 % was during the promotion at labor day. XXXX purchases on XX/XX/XXXX. XXXX for XXXX and the other for XXXX. Based on this we should have received. We should have received about XXXX. We received {$580.00} in reward points.
We paid off the credit card within a week or XXXX.
We called on the following dates.
XX/XX/XXXX - Inquired how the reward points would be provided. Told it would be XXXX billings cycle. XX/XX/XXXX.
XXXX - Contacted SYNCHRONY BANK through online chat. Told them it seems to be an issue, since I see 10 % pending and not 20 %. They said there is no issue. I'll get rewards by XX/XX/XXXX.
XX/XX/XXXX - Similar chat as XXXX. My reward point for the 10 % sometimes disappears, and sometimes pending.
XX/XX/XXXX - Similar response as previous days, but hoping a call would get a different response.
XX/XX/XXXX - chat - No new info.
XX/XX/XXXX - 10 % rewards show up. Not the other 10 %. Called in and was told the first time that it was 1-2 billing cycles. First time I was told two billing cycles. Seemed like something was wrong here.
XX/XX/XXXX - Called again. Said it would appear on XXXX billing cycle XX/XX/XXXX. They issued us a letter. The letter stated : " Dear XXXX XXXX, Thank you for your recent inquiry regarding your XXXX and XXXX! XXXX XXXX account, and the opportunity to be of service to you.
We are pleased to inform you that your request has been processed. Please see below for the details of your request.
Please allow up to XXXX billing cycles for the bonus rewards to reflect on your account from the end of the promotion date.
We appreciate you as a valued XXXX and XXXX! XXXX XXXX customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us at the toll free number below.
Sincerely, Customer Service Department XXXX '' XX/XX/XXXX - Called and was told the rewards would show up XX/XX/XXXX XX/XX/XXXX - Called and was told " well in is still XX/XX/XXXX, it could still show up anytime ''. We pressed for more info but was denied. No managers worked that day ( Sunday ).
XX/XX/XXXX - Called and spoke with two managers. Told by the highest manager that he agrees with everything we said. Gave a {$50.00} credit. However, he could not help us. The people in the " back office '' who makes these decision can not be called by us or him. No one would call us back to follow-up. No email would be send. We could not communicate with anyone else. Were told to just sit and wait. We asked how long should we wait? He said he did not know.
XX/XX/XXXX - Contacted Crate and XXXX XXXX complaint line. They apologized and said they would look into it but they can not make SYNCHRONY BANK do anything.
XX/XX/XXXX - Online chat with SYNCHRONY BANK ( XXXX ) The customer service rep did not know what I was talking about and had to give details exactly what the promotion was and language regarding the promotion. After I did so, first tried to tell me that the rewards were due XX/XX/XXXX. I copied and pasted the language from the letter ( from XX/XX/XXXX ) and finally agreed it was due to us XX/XX/XXXX or XX/XX/XXXX. However, she could not escalate or see the actual status. She could request for this to be reviewed, however that would take 1-2 additional billing cycles. I told her I did not want to do that. Supposedly others are looking into it, but that is doubtful. I them told her I will be contacted the CFPB for help. She said that she would let her manager know ( for whatever that is worth ). She also said " If I have all the access on instantly processing the Bonus rewards, I would have processed it already. '' Every customer service rep I talked to agreed that I am owed the rewards and apology for not getting them. However, not one of them could take actionable steps to fix it. The can resubmit another request which restarts a 1-2 month timeline again.
There appears to be a glitch in the system, and no one knows how to fix it. Or they are crooks. The online reviews of the company are terrible.
Thanks,
|
| 11/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
I became aware of this " joint '' account, with SYNCB/JCPENNY, when my XXXX score took a hit in the fall of last year ( XXXX ). I checked my score with XXXX and found out it was due to a " joint '' account opened by an ex-spouse on XX/XX/XXXX. Payments had quit being made and they closed the account around XXXX of XXXX and made it a charge off I believe during the fall of XXXX. ( Not sure of exact dates, unable to locate in my XXXX XXXX XXXX report ) I contacted my ex and asked about the card. She explained that she had money problems and had to file bankruptcy. I told her that by having my name on the account that her not paying her debts had hit my XXXX score. She replied that it hadn't hurt hers.
I filed a dispute with XXXX and XXXX. I checked back later and found that Synchrony Bank had verified the account as being mine.
I then had numerous conversations with the bank, they still say it's my account.
On XX/XX/XXXX I sent the bank a certified/signature confirmation letter and received the confirmation showing they received the letter XX/XX/XXXX.
In the letter I explained that I have been divorced from my ex since XXXX and had not lived at or received any mail at her address since then. I also provided them with my current address and explained that this has been my address since XXXX.
I also stated that, per the Fair Credit Reporting Act, I was requesting copies of any and all documentation that they had used to verify the information they had sent to the credit reporting agencies. I also requested copies of any and all applications or documents showing that I had applied for and signed to open this account. I also advised that it was my understanding that they had 30 days to comply with my request or to have this item removed from my credit report.
The bank sent me a letter, ( dated XX/XX/XXXX ) addressed to my ex and myself, ( now that they had MY address ), stating that they were opening a fraud investigation. I called them on XX/XX/XXXX about their investigation and was told I would be receiving fraud investigation forms and that I had to fill them out and get them sent back by XX/XX/XXXX, or the investigation would be dropped.
I then received another letter from the bank dated XX/XX/XXXX. It stated that the claim review was complete and they found that the payments had been made by me, the account had been opened more than 12 months with statements sent to me and that I had authorized, participated in or benefited from the purchase.
I immediately called the phone number they provided in their letter. I again explained that I had never made a payment, received a bill or benefited from their credit card. I again advised that the " joint '' account with my ex was opened 23 years after our divorce, and I hadn't received any mail at her address since XXXX. I was advised they would reopen the investigation.
I called the bank again on XX/XX/XXXX and asked if they had acted on my Fair Credit Reporting Act request dated XX/XX/XXXX, received by them XX/XX/XXXX. She advised that they had 60 days to act on it, and that I would be hearing from them.
On XX/XX/XXXX I called the bank again and asked where they were with my request per the FCRA, and he said he couldn't find it. So I provided him with the date and the name of the person that had signed for it. He looked some more and sad he couldn't find it. So I said that I paid close to {$8.00} to send a letter to them and it was lost. He said that it wasn't lost, he just couldn't find it. I asked if he could explain the difference and he didn't respond.
He then told me that he would be sending me an affidavit to be filled out and signed by me to start a fraud investigation. I explained that an investigation was ongoing and I really didn't care about their investigation, I wanted some action on my FCRA request. He again stated that he couldn't find it and would be sending the forms.
On XX/XX/XXXX I received the forms and they were the exact same forms that I filled out and returned to them in XXXX.
I called the bank on XX/XX/XXXX and after more than 2 hours and speaking with or being disconnected from at least 6 different people, no one could help.
The charge off amount was {$3600.00} per one of their letters.
|
| 11/28/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Since it only let me select one option when I was asked the type of p
roblem I having. Besides reporting problems with fees and interests, they are also problems with the following :
Problem with credit report or credit score, Closing your account, Problem when making payments.
I have been MARKED by XXXX XXXX`s system as XXXX since XXXX XXXX.
All of my XXXX XXXX accounts have been affected by this creditor`s error.
Since then, my online access to these accounts have been closed and denied. I made several attempts to fix this problem by contacting the customer service representatives to make my payments. Every time I called customer service, they verified my account information and told me to wait 24 hours to access my account to make a payment. After 24 hours of still being unsuccessful to login, they increased the time frame to 48 hours to login. They were unable to take my payment over the phone. For this reason late fees and accrued interest charges were added to my accounts.
I want to let you know how this has caused me financial hardship and XXXX XXXX is completely responsible for my current financial situation and they should correct their mistake immediately on my credit report and in their system : The creditor changed the status as XXXX in all of my accounts without verifying the identity of the person or requesting proofs of a XXXX person. There must be a lot of people with my name and last name in their system, but I can tell you that I am alive and I have been dealing with this problem alive.
My credit scores dropped drastically due to late payments, charge off statuses, over limit balances, and closed accounts by credit grantor ( XXXX XXXX ) My insurance premium increased due to the decrease on my credit scores.
I have been unable to pay for my renters insurance since the premium is higher in my car`s insurance.
It has been hard to find a job with my credit. Once employers pull my credit, they ask for an explanation for something I did not do.
I have been treated by XXXX XXXX as a criminal. The representatives have stated that I did not pay my responsibilities and this is the reason for the status of my accounts. I have called XXXX XXXX during a time frame of 10 months and I have had to repeat my situation over again with no resolution.
The following accounts have been affected : *Synchrony/ XXXX XXXX is currently reporting as 30 days late on XX/XX/XXXX and 60 day late on XX/XX/XXXX. All other months in XX/XX/XXXX have been updated by the creditor XX/XX/XXXX and XX/XX/XXXX. I have now access to my online account since XX/XX/XXXX.
* Synchrony/ XXXX XXXX XXXX is currently reporting 30 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other months in XX/XX/XXXX have been updated by the creditor except the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Also, in this account there are late fees and interest charges that I should not have to pay. I have received credit for some late fees and interest charges but not for all. I have now access to my online account since XX/XX/XXXX. Credit Card has been activated but I for some reason it does not work when I try to use it. I called the customer service department and they said that my account was in collection.
*Synchrony/ JC PENNEYS XXXX XXXX is currently reporting as charge off. Also, in this account there are late fees and interest charges that I should not have to pay.
*Synchrony/ XXXX XXXX XXXX is currently reporting as charge off. When I spoke with them they said that it will take 24 hours to update the account but up to date the account remains with the same status. They also stated that they will not opened my account and that I have to reapply for credit. Also, in this account there are late fees and interest charges that I should not have to pay. Account access is closed.
*Synchrony/ XXXX XXXX is currently reporting 30 days late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other months in XX/XX/XXXX have been updated by the creditor except the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Also, in this account there are late fees and interest charges that I should not have to pay.
|
| 08/21/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I am a US Veteran and tried to purchase a spa with XXXX XXXX at XXXX XXXX XXXX in XXXX, TX. The company was at the convention center XXXX XXXX XXXX only. The salesman stated I could be approved with a home improvement loan through XXXX XXXX I provided my information for the application. I was informed I was approved. After I signed electronically I requested copies, the salesman stated it would be emailed. In addition someone would call me to schedule delivery. I left the convention center and arrived home approximately XXXX. I started reading the paperwork and realized the information presented was not the same as the presentation. The salesman presented the application as a " Home Improvement Loan ''. In addition stated the manufacture warranty was in effect when actually the manufacture warranty paperwork was not part of the email paperwork. In addition the company is not a part of no manufacturer but rather a moving entity with a Virginia address that sells spas. I called XXXXXXXX XXXX at XXXX and spoke with XXXX to cancel the transaction. XXXX stated he could only see the authorization and could not cancel the transaction. He instructed me to call back 3 days later on Wednesday and speak with customer service. I returned to the convention center on XXXX XXXX XXXX to cancel the transaction. I handed him a copy of the attached letter pg 1 of attachment exhibit ( a ). I stated to him that Texas law allows for termination of contract within 3 days however it had not been 24 hours. He stated he was not listening because he was not from Texas and placed the letter on a table. I left the building, sent a text message to the salesman including my email address in the correspondence pg 1 of attachment exhibit ( b ), because that was the only number and contact I had. I informed both salesman and sales manager no one had called for delivery set up therefore it would not be necessary. I even informed him I called XXXX XXXX to cancel the transaction based on the paper I was given. pg 2 of attachment On XXXX XXXX XXXX I called SXXXX XXXX at XXXX to verify the account was closed. The representative informed me there was no balance on the account and the account was closed. On or about XXXX XXXX XXXX I received a statement from XXXX XXXX with a transaction date of XXXX XXXX XXXX and posting date of XXXX XXXX XXXX. This was after I received confirmation the account was closed. I called XXXX XXXX once again and open a dispute. I received a letter stating they would research my complaint. On XXXX XXXX XXXX I received a letter from XXXX XXXX ( pg 3 of attachment ) along with all the printed out information from XXXX XXXX, stating they were in favor of the vendor and I would have to pay the $ {$7600.00} plus {$29.00} bank charge for total of {$7600.00}, contact the vendor to arrange delivery which confirms I have not received the spa. In addition the letter stated to provide proof of cancellation. Page 1 of attachment which is exhibits ( a ) and ( b ) is the proof I cancelled less than 24 hours later. The sale man number was the only information I had. The letter stated if I did not pay it would be reported to the credit bureau. On XXXX XXXX XXXX I called XXXX XXXX XXXX left a message for someone to call me back. XXXX XXXX XXXX I sent a certified letter # XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX based on the address of the information provided by XXXX XXXX to cancel the transaction. In addition I sent a copy of the letter to XXXX XXXX On XXXX XXXX XXXX I called XXXX XXXX again, as of now XXXX central no one from XXXX XXXX has returned my call. As a veteran of the US, I served my country therefore treatment of this sort should not be allowed. As a consumer I have taken all necessary action to cancel this transaction with good faith. This transaction has caused me nothing but unnecessary anxiety. I have not received the goods or services nor do I planned on receiving. It is obvious the company was aware that I cancelled the transaction because no one ever called me. The entity has left and can only be reached by a number that no one answers or return calls. I request XXXX XXXX cancel this transaction and closed this account with a XXXX balance.
|
| 12/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE : Account Number : XXXX XXXX XXXX XXXX Current Credit Card Balance : {$3600.00} To Whomsoever It May Concern : I believe your statement contains a Billing Error in the amount owed XXXX XXXX XXXX XXXX and XXXX/XXXX {$3600.00} In accordance with 12 CFR 1026.13 ( 6 ) - Billing error resolution : A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
I extended your organization the credit for account number : XXXX XXXX XXXX XXXX I hereby give your Company notice pursuant to XXXX XXXX ( b ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of Credit and the evidence of the indebtedness was just a merely computer-generated agreement.
According to 9-A 8-103.1-A ( b ) " Adequate notice '' as used in section 8-302 means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. That notice may be given to a cardholder by printing the notice on any credit card, on each periodic statement of account issued to the cardholder or by any other means reasonably ensuring the receipt by the cardholder.
Since the adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 9-A 8-103.1-A ( b ).
Further, pursuant to 15 U.S. Code 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.
From your end, I have not benefited from this transaction which is again a violation of 12 CF
R 226.12 ( b ). According to 12 CFR 226.12 ( b ), T
he term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
I was deceived by the deceptive form you created which is a violation of 12 CFR 1006.30 ( e ).
According to 12 CFR 1006.30 ( e ), Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumers creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.
To remedy this matter, I hereby request the following resolution ; I. Refund extended credit amount in full.
XXXX. Change the mention-above account status to Do Not Pay/Do Not Collect III. Full compensation me for the above-mention Consumer Violations IV. Fully compensate me for much mental as well as financial distress.
I am open to communicating with you for this purpose. To make sure that I am not put at any disadvantage, in the meantime please treat this alleged debt as being in dispute and under discussion between us.
If you accept my request, I will not escalate this matter to Federal Court. All collection activity must cease and desist. Also, during this Billing Error investigation period, if any action is taken which could be considered detrimental to any of my credit-reporting repositories, this includes but is not limited to any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this Billing Error Resolution Notice within 30 days from the date of your receipt, I will assume that you knowingly and willfully committed Racketeering/Extortion and Fraud against me ; therefore I will immediately open a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission XXXX FTC ). I will also seek legal counsel for a remedy to these consumer violations.
Thank you for your cooperation.
Sincerely, XXXX XXXX XXXX
|
| 05/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
In XX/XX/2020, I spent hours on the phone correcting OVER A YEAR of late fee errors on my account from incorrect late charges that were caused by my billing date being incorrect, unbeknownst to me. On XX/XX/XXXX, I was assured by phone customer service agents that -- 1 ) The information on my account that my due date had been changed a year ago and could not now be changed again under a previous credit servicing company was incorrect ; and 2 ) That I could immediately change my current due date to a later due date, effective XXXX, 2020.
On that last call in XXXX, I was asked by Synchrony 's phone customer service team to provide which payment date I would like to switch to. I indicated the XXXX of each month. I was told that this would take one ( 1 ) billing cycle to go into effect, and that I could expect my XXXX payment to remain due on XX/XX/2020. I was also told that my XXXX payment would change to the new date of XX/XX/2020.
At this point, I considered the matter closed. However, on XX/XX/2020, I discovered that the due date change had NOT been made, and that my payment statement for XXXX remained XX/XX/2020, which was incorrect.On Sunday, XX/XX/XXXX, I contacted PayPal Credit/Synchrony to notify them of this error, via online live chat service.
Despite seeing the notes in the system that my payment for XX/XX/2020 should have been due on the XXXX of the month, the first agent simply said, Well, the last attempt to change the payment date didnt go through, so I cant do anything. I can only enter it again which means the change isnt effective until XX/XX/2020. When I asked why this could be changed now, the agent said it was because I changed my payment due less that a year ago, which was the same incorrect information I had corrected back in XXXX. When I explained that this was incorrect, the agent did nothing. I then asked to be transferred to a manager, which was even worse.
Operations Manager XXXX XXXX came on the line and was completely unhelpful. I kept explaining that all of these issues had been handled back in XXXX, and I simply needed the XXXX payment date changed, and she kept repeating that the payment wouldnt change until XXXX, which was not what I had been told earlier. She said that that PayPal didnt need to inform me about the previous rejection of the XXXX change in the system, and that she could not make the change now. So my payment now couldnt be changed for nearly 2 months because of an error on PayPal/Synchronys Banks part. Ms. XXXX was utterly unhelpful. She simply kept quoting back the same incorrect information that I had already corrected a month prior.
I work overseas, so calling into customer service is often a great inconvenience for me, especially during the COVID-19 crisis. To find out that my customer service payment due date change was rejected with no notice given to me, and that when I call or live chat in to correct it, that nothing can be done, is extremely unprofessional. At the very least, I should have been notified that the change was rejected in XXXX. I could have easily accidentally missed my XXXX payment thinking it was for the XXXX, totally unaware that absolutely nothing I had requested had been done. Further, why was I even asked for a new due date on XX/XX/XXXX? What was the point?
Due to this conflict, on XX/XX/2020, I drafted and faxed a formal complaint to Sychrony requesting the following : 1. My XXXX payment date corrected to XX/XX/2020, as I previously requested and agreed to on XX/XX/2020.
2. That in the future, I am notified of any system rejections or changes to my account in a timely manner.
On XX/XX/2020, I received a boilerplate " non response '' letter from XXXX XXXX, Corporate Specialist at Synchrony that addressed absolutely none of the issues or concerns on billing that I raised in my XX/XX/XXXX letter. The text of this absolutely outrageous response from XXXX is attached. Ms. XXXX made no effort to correct the XX/XX/2020 billing date, and essentially acted as if she didn't even read my request.
In light of this poor customer service response, I have decided to file a complaint with the CFPB to warn other consumers to stay away from PayPal Credit Services, as managed by Synchrony Bank.
|
| 12/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XX/XX/22 care credit XXXX charges to be pd as arranged by end of 10 month program I was to start a wellness program XXXX XXXX XXXX XXXX. On this day I had pd {$47.00} for a initial consult through a XXXX information session. At this meeting we spoke, she XXXX XXXX and I signed to start program at a later date that would be determined by office. That lasted XXXX min.
My start date assigned was XX/XX/22 I was given a binder, supplement were ordered to be delivered to my home. And I was to set up a meeting to go over the results from my lab work. Also, a health coach was assigned to me. That was weekly meetings, I was supposed to meet with the doctor I believe three times over a 10 month period. There was supposed to be a second set of labs done, and a food sensitivity test at around the six month point.
On XX/XX/22 I informed XXXX XXXX the clinical XXXX, and the only contact that I had that due to some personal issues and illness with my husband and his leave from work. I would not be able to participate in the program. I stated that if they could return the supplements. at that point, I was told that the doctor would be reaching out to the company to see if I could get a refund. I was told that several times. I had continued to reach out to them and when I didnt hear back I filed a dispute with CareCredit the company that the {$6000.00} credit was through. I have never logged on to the education portal as I agreed I wouldnt. I held onto the supplements, unopened and continue to ask if they were returnable and was told that they were working on it and that one on for weeks. Then they told me they wouldnt talk to me about it because I filed a dispute. I never have gotten the results for my lab work even though they told care credit they did. They claim that they shared all lab results with me. Also, nothing on their invoice talks about the second set of lab results or the food sensitivity testing and of course theyre claiming the weekly health coaching is free. Somehow in a 90 minute meeting theyre claiming 10 months worth of service was delivered to me. They cancelled all my coaching appts and I have never spoken with anyone since my initial meeting, which I paid for. I have filed a dispute twice with CareCredit. I have asked for a phone call and never received one. I just keep getting a letter back saying that they agree with the doctor because she was able to provide them with an invoice. Ive also asked for a mediator, and Ive never received anything about that, although when looking at the synchrony contractstates that I have access to that.
I have said from the very beginning that I would pay for the supplements if they were unable to get the vendor to refund. I never did hear back about that so obviously, even though I was told several times that the doctor would work on it I dont think that ever happened. I also said that I would pay for the lab work that they supposedly did however I dont know if they did because Ive never seen results. They say its {$1200.00} I priced it out on the life extension website which is where it was coming from and its {$530.00} if I was to order it myself. So Im not really certain where they get {$1200.00} from. I am a nurse so I dont appreciate the fact that theyre being dishonest and Im very resourceful and I have been able to track down most of the cost. Its amazing to me that theyre saying that the weekly coaching visits with the doctors follow up lab work and testing is all free but yet the things they provided to me before the program even started in a 90 minute meeting cost me {$6800.00}. So again 10 months worth of service delivered to me and a 90 minute meeting. And apparently to CareCredit that seems reasonable. I dont really know if theyve even looked at my documentation, but Ive probably sent screenshots of about 20 emails along with information, and I can not get anyone to speak with me. Please help me. I cant pay {$6800.00} and I refused to pay for something that was not provided to me I had filed a dispute with the XXXX XXXX XXXX and I have not heard back. I am not trying to get anything for free, but fair market value for the service I received is the only thing that is reasonable.
|
| 03/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XX/XX/XXXX : A purchase of {$540.00} was made on the merchant site XXXX, through XXXX separate vendors on this date using the PayPal Credit account. The transaction was for XXXX XXXX XXXX advertised as being authentic instruments. XXXX XXXX ID : XXXX.
XX/XX/XXXX - XX/XX/XXXX : The instruments were received within the month of XXXX, upon which they were taken to a local authorized XXXX dealer for a preliminary set up service. Upon the date of inspection for inventory, they were determined as counterfeit instruments and consequently denied service. This is when I first learned that what I bought was a cheap, counterfeit forgery.
XX/XX/XXXX : The dispute process was initiated through the PayPal Resolution Center, typically the first line of defense with regards to buyer protection as outlined in PayPal 's Purchase Protection terms. Upon my phone conversation with the representative I was informed that the only method they would consider offering that would involve me being issued a return refund, was to ship the counterfeit items back overseas to XXXX. Given the potential for illegality involved with the shipment of counterfeit goods, especially overseas, I was very hesitant to pursue this option. However, I made it known that I was willing to determine shipping rates as we were on the phone conversation, though it became quickly apparent that there were no shipping rates that would make any fiscal sense in returning the items. I would effectively be left hundreds of dollars short in my bank account due to the ratio of the shipping rates to respective refund for the items, and still left without the promised goods that initiated my purchase in the first place. I was told that this was the only avenue I was able to pursue in getting a refund, despite PayPal 's Buyer Protection terms outlining multiple clauses ; the least of which states that buyers are in fact protected against receiving inauthentic items in transactions made through the PayPal platform.
XX/XX/XXXX : Eventually I was able to speak to a customer service representative through the respective PayPal Credit customer service line, who informed me that I would in fact be able to receive a refund after offering multiple solutions. The main one being that I would be willing and able to return the counterfeit items, despite any personal qualms with potential illegality, to the sellers if they were to cover the whole cost of return shipping. I agreed to this proposed solution and was thus issued a full refund back to my PayPal Credit account of {$540.00}.
XX/XX/XXXX : With the intent to continue using my PayPal Credit account, despite having yet to hear back from either seller or customer service representative with regards to return shipping, I spoke with a customer service chat representative through the PayPal Credit customer service portal and inquired if the chargeback was officially closed in my favor, so as to put off any worries of my credit limit being surpassed due to the nature of the charge potentially being reversed. I was assured that the case was already closed in my favor. Considering I had no further use for any of the counterfeit instruments due to the case being closed and having no interest in keeping evidence of importing counterfeit goods with my legal name tied to the transaction, I simply had them destroyed at a local waste management service.
XX/XX/XXXX : Today I noticed that on XX/XX/XXXX, the full {$540.00} charge was reapplied to my PayPal Credit account. I immediately called the customer service line to inquire as to the nature of the reversal. I was informed that the offer notwithstanding was not able to be followed through with and further that the charge will stand. As of this date I have NEVER received in writing any clear explanation for why the charge was reversed again after being issued the credit and having it confirmed by a representative that the dispute was closed in my favor, I have NOT received any communication from the seller nor PayPal with regards to the fulfillment of the proposed seller-provided return shipping labels, and I am now left without any products to return after believing that I settled the issue once and for all.
|
| 10/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX XXXX : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that under no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text CREDITOR CONTACT INFORMATION : SYNCHRONY BANK MULTIPLE ACCOUNTS 1 ) There are a total of 3-accounts posted against me by Synchrony Bank, all of which are so old, that it not only exceeds the legal timeline for collection, but there isnt an address for the actual account posted on a hard copy credit report. The account information was picked up by a debt information pool by XXXX XXXX XXXX illegally.
2 ) The account must be deleted as the necessary timeline to be maintained on my credit report.
3 ) All files held by Synchrony Bank must be purged, and any reference to such credit listings must be deleted from XXXX, XXXX, XXXX XXXX and XXXX respectively.
Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over 300,000,000, ( 300M ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX XXXX
|
| 08/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a Mastercard through Sam 's Club, I received a statement that indicated my payment of XXXX would be auto debited XX/XX/XXXX.
I received a letter from Synchrony, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, dated XX/XX/XXXX that indicated that due to recent activity since my last billing statement, the amount of the upcoming autopayment would be {$710.00}. ( A trip we were planning was cancelled and the hotel and tickets for XXXX event were refunded. ) On XX/XX/XXXX, I spent a considerable amount of time navigating the automated phone system and finally was connected with XXXX as I needed assistance determining what transactions were applicable. She walked me through the transactions to arrive at the {$710.00} amount due. I could clearly see all transaction activity online since my last statement.
In re-reading the letter, it states the autopay amount could change between the date of this letter and my due date based on additional activity and " I can review my activity and payments by logging into my account anytime ''.
I don't recall this being reiterated to me - about the additional transactions being taken into consideration which added to further confusion because my understanding from my conversation with XXXX, is that I would be billed the amount on the letter. I questioned, what record would I have when the website was still showing a statement indicating XXXX is due, yet I understood XXXX explain to me the amount in the letter would be due.
No explanation was really provided as to how I would have documentation to support how the payment was determined, that I recall. It's possible I got sidetracked during the conversation because I found it absurd that this would occur. I have had credit cards for XXXX years and have never encountered this.
At times a credit was applied after the statement cut off and before the due date and credits were applied to the account balance - but not the additional charges. I understand decreasing the statement balance when a credit posts before the due date, but to include the additional charges, seems unethical. At the very least, this has been very confusing and time consuming and I still don't know what transactions make up the final payment amount.
On XX/XX/XXXX, my account was debited {$1000.00}. In lieu of spending so much time with the automated phone system, I opted for the Chat option and communicated with XXXX. He indicated he reviewed the transactions and was able to arrive at the XXXX amount due. Unfortunately, the chat session was disconnected before he could explain which transactions those were.
I logged back in to chat and was connected to XXXX again. I asked him to confirm for me that in the event a credit was made to my account that I needed to monitor the activity in my account to know which transactions would be used to arrive at my payment amount. He indicated when a return occurs, yes, I should monitor my account up to two days prior to know what the payment amount due would be.
I am not disputing that I owe for the transactions.
My complaint is : 1 ) not all the transactions ( that were visible when I spoke with XXXX XXXX, are visible online in my account today. Disclosure of payment information should be clear. 2 ) And as noted above, the letter states I can log in and review activity anytime. This is not an accurate statement.
Because I couldn't view all transaction activity, I then tried to access my statement online - thinking maybe a new one was posted disclosing the actual transactions that made up the payment amount of XXXX but " Due to technical difficulties '' my statement couldn't be retrieved and please try again later was the response.
Lastly, my autopayment is set up to pay the statement balance in full. As mentioned, I questioned this when I was talking with XXXX. To add to my confusion, the payment that was actually debited to my account is an amount different than what was disclosed on my original statement OR the letter.
Lastly, I had sufficient funds in my checking account. I suspect not everyone who is expecting a XXXX debit and is debited for over XXXX would have sufficient funds, which could create overdraft fees.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XXXX XXXX XXXX - I sent a letter to SYNCB/PPC stating XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX.
I am requesting that your company please forward me a copy of the 1099-C that was filed by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}.
Please also enclose a printed copy of my payment history or you may also email it to me at XXXX XXXX XXXX XXXX XXXX XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above.
I never received a response.
I also sent a letter to XXXX XXXX XXXX and XX/XX/XXXX asking them to remove these accounts from my credit report and nothing has change.
Letter XXXX XXXX : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof, you must DELETE the account listed below.
I demand that the following account be validated or DELETED immediately : Amount SYNCB/PPC **** {$2900.00} In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Letter XXXX : Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report and are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Amount SYNCB/PPC **** {$2900.00} In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
|
| 03/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
XX/XX/22 attempted to use my sams club mastercard and was declined. I have a credit line XXXX i called synchrony the account holder and was informed account closed to inactivity on XX/XX/22.
although my card was set for renewal at end of XX/XX/22, there was no new card mailed out, no email, no notification about the updated card or closing of account. I have however received and used reward points and billing statements of payment due. Therefore this was an absolute shock.
i contacted company XX/XX/22 after speaking with representative who stated my account was closed because i hadnt made a purchase.
i have been paying my account and it still has an active balance. there shows excellent history with the last 17yrs.
i was then transferred to supervisor who stated the account should not have been closed because activity of finance charges along with payment is activity shows on the account. I verified my address and she stated this was correct. I told her I have resided at this address for over 15yrs and never had an issue. I receive my bill in a timely manner so therefore, its offsetting that this has become an issue. I was informed I would be contacted within 3-5 days to reopen account.
XX/XX/22 i had not received contact, called again and after the third attempt due to drop calls and no response, I was then transferred to supervisor. The supervisor, XXXX, account manager, stated he saw notes from previous account manager who is on same level. XXXX stated they had an incorrect address when my card was reissued, I verified my address and he stated that is the address listed on the account. XXXX stated that he was entering a work case again because when the first was entered so far nothing had been done. He said once they verified my address initially it should have automatically reopened my account. He is putting in another form of work case because it didnt reopen and it will get assigned too another manager and one of their reps. It should have opened because it was within the time frame. The turn around time can be up to 30 days.
I told XXXX that I am concerned that as time passes it will wipe my history, my credit history, my card. he understood and they have 6 mos to reopen the account. I asked for a reference number or case number but he said one is generated but there is no reason for it. It is the risk department who has the authority, they dont take inbound calls and they dont have it set up to take the management calls. He again stated it understands how important it is t get this done as soon as possible. After asking what is the next step. He said I will be called and/or email, not a letter because it will take XXXX ( XXXX ) weeks. I will receive a card though because they got it back in the mail and so they know it isnt a fraud. risk department will send out card with an updated valid date. He explained he doesnt want me to lose credit history and the company over the next year will be raising rates. Reiterating the company, risk department may call or email saying this corrected and my card has been mailed out with my original card number and my account has been reopened to its original status. ACTIVE AND IN EXCELLENT STANDING.
I do hope this was a legitimate response on behalf of sams mastercard in admitting the error and making whole. I do hope this was not lip service to allow time to continue to lapse while the consumer is bound to limited action. I do hope that huge companies and credit agencies show they stand by product and loyalty and trueness and not transgress on their consumers.
This is disheartening. I am being penalized for paying bills, my credit score and history have been negatively affected.
In a time of upheaval between pandemic, war, inflation and interest rising each moment of the day, for those who establish credit and payment history thats worth something its appalling. In addition, I feel this also is a way to keep minorities in certain credit score brackets to prevent them from approvals to loans, credit, housing, employment as well. The financial institutions, credit card companies and its entities all play a part of what has publicly become known as systemic.
|
| 03/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I opened a Care Credit card account with Synchrony Bank in XX/XX/XXXX to finance a medical procedure, XXXX XXXX XXXX. I paid on time, more than monthly minimum of {$110.00}, using Autopay for XXXX transactions. I chose to pay {$75.00} on a weekly schedule. The Autopay schedule ended after my XX/XX/XXXX payment, unbeknownst to me. Two payments ( XX/XX/XXXX and XX/XX/XXXX ) did not go through, apparently, and I received a letter in the mail dated XX/XX/XXXX that explained as much - " due to number of dishonored payments on this account '', Synchrony has decided to close your account.
I immediately went to check my account online and saw that the AutoPay schedule had expired and I was indeed two payments ( two weeks ) unpaid. I paid {$150.00} to catch up and reactivated the AutoPay schedule, which only goes out XXXX transactions. I should be paid off the account by XXXX this year but I couldn't schedule out that far when I first initiated the AutoPay schedule.
I checked my credit report and noticed that the closure was present and my score suffered due to the decrease in credit available. Because of the late hour, I reached out through Synchrony 's site to text an agent. I wanted to get this resolved as soon as possible. I've been working on building my credit for over a year and had no idea that in two measly weeks so much damage could occur.
There were two agents that assisted me, one a supervisor who I was transferred to after requesting to speak to someone else. They both, never rude and quite professional, said there was nothing they could do. Once closed, the account could not be opened. I argued that my account was wrongly closed. They stated that they could " close any account for any reason ''. The first agent told me not to worry that they had sent a message to the credit bureau to not rate me negatively, advising me to simply apply for another card and that I would be approved quickly and that my credit limit would be restored with no problem.
Everything seemed so strange, do banks actually work this way? Why could they not restore my account that they so brashly closed? If I apply for another credit card, I get dinged. And what if they don't approve me?
Why didn't I receive notification about my missed payments. I'm signed up to receive them. The supervisor said both payments were returned and that a letter was sent to me about this. I did not receive these letters. Also, my bank statements do not support these claims because 1. The sole account that I use for AutoPay was above {$200.00} for all of XXXX - there is no reason for their to be a returned payment on two {$75.00} transactions ; and 2. There were no NSF fees or notifications from my bank.
Now, I don't trust Synchrony and question their integrity and whether what they suggested for me will legitimately remedy my situation. I feel insecure as their customer, it seems that they have unverified versions of the truth and have shady practices. And, now I have to pay off an erroneously closed account.
I am so concerned about my credit because I am in the process of trying to better my standing in order to get an apartment -- - and this incident could not be more inconvenient.
What's more is that the letter says the decision was based on review of my account... but review of my account would show that out of 32 on-time payments, only 2 failed to go through due to the AutoPay schedule expiring. I feel that they did not review my account fairly. I feel that they do not value me as a customer. I've actually paid {$300.00} a month for several months although the minimum is {$110.00}. Even the extra payments did not account for anything. I request that my account be reopened due to egregious and unjust action done on the part of Synchrony Bank.
I've attached : ( 1 ) the Synchrony webchat between me and the two agents ( 2 ) the letter I received in the mail about this account closure which I find amazingly abrupt - mind you, I missed the XX/XX/XXXX payment and the closure letter was dated XX/XX/XXXX!!!!!
( 3 ) my bank transaction statement to show the balance of my account would not return {$150.00} worth of charges at ANY TIME in XXXX
|
| 02/13/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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In XX/XX/XXXX, I was one of the boatload of consumers who flocked to and applied for the Amazon Credit Builder card due to its purported merits. Attached is the Amazon 's website about this card. Amazon.com 's Website Upgrading from Amazon Credit Builder to the Amazon Store Card Customers can upgrade from the Amazon Credit Builder to the Amazon Store Card in as little as seven months. Synchrony Bank will automatically evaluate an account for an upgrade to the Amazon Store Card starting in as little as 7 months after an account is opened, subject to credit approval. Some criteria used to determine if your account is eligible for an upgrade include whether : You make 7 consecutive on-time payments on your Amazon Credit Builder account and pay all other bills on time Your credit file has no recent bankruptcy, foreclosure, repossession, or delinquent accounts Your credit score meets Synchrony Bank 's internal credit criteria Note : If your Amazon Credit Builder is upgraded to the unsecured Amazon Store Card, Synchrony Bank will automatically issue an unsecured Amazon Store Card account to you and refund your security deposit. Your Amazon wallet will be automatically updated with the new card number. You will not need to register to Synchrony 's E-Service Site again. Your existing login to manage your account will continue to work. There will be no new credit inquiry and no impact to credit score or age of the credit card account reported to credit bureau when you upgrade. In XX/XX/XXXX, I completed all of the requisite requirements, so I expected to receive a nay or yah from Amazon/Synchrony Bank in the near future. I decided to wait until XX/XX/XXXX to contact them in case I did not hear from them sooner. I contacted a Synchrony Bank rep on XX/XX/XXXX and she informed me that my account was eligible for the move from secured to unsecured credit card on XX/XX/XXXX so I asked why I had not heard anything ; she explained that she did not know but she would fastforward my request to the 'team ' that handles the Amazon Credit Builder Card . She told me that she could not transfer me to the team but for me to call back in five days to hear more about the decision. I called yesterday and was told by a CSR Supervisor that it could take at least 60 days to make the decision and that the decision was computer-based. I call foul on this for many reasons : 1 ) there is nothing on their website that states that it will take 60 days after the seven months to start the decision 2 ) how does a computer-based decision take nearly two months to make 3 ) it did not take the infamous 'computer ' sixty days to take the money from my account to start the process 4 ) I was told that it was a computer-based decision and that no person could override the decision, then why am I told later on that it would be referred to the person who makes the decision? Additionally, Amazon discontinued the program due to issues with agencies and people stating that they were targeting a disenfranchised group. https : XXXX I did not believe it so I decided to continue my account. But, this is exactly what Amazon/Synchrony Bank is doing ; they are a whimsical statement of we will or will not convert you to an unsecured credit card is a ploy to keep the hard-earned cash of the lower-income/disenfranchised consumer who has trouble getting credit elsewhere by being wishy-washy with the decision to upgrade to an unsecured card. I am not a person in that position so I am willing to take the hit and speak out about this horrible injustice. You would not do this to someone who had excellent credit, so what gives you the right to do this to the neediest ... the person who is trying to work on improving their credit. I am willing to speak out as I said about this issue ; I am either worthy and you upgrade my card now or please send me my deposit if I am not. Fortunately, I am in a place in my life where I am fine either way with you feel retaliatory and 'finding a reason why I do not qualify for the unsecured card '. But, either way, this antiquated 'it may take a computer 60 days to make a decision ' lunacy is unfair to the consumers who are most in need.
|
| 06/04/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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About 2-3 years ago, I went shopping for new back to school outfits. I was in dire need of new shoes. I went to a clothing store near me - Marshalls. I was told by a representative about a savings deal, that if I signed up for a credit card I would receive a certain percentage discount. I'm a XXXX XXXX, so I of course love any discounted rates available I can get! I gave my information, and the associate entered it in to her computer register. I was approved for the card almost instantly and went on about my day with my new shoes.
This email to you is not in regards to the quality of the shoes, but in regards to the quality of performance. I came back to the same Marshalls a couple of weeks later, as I wanted to pay for my shoes. I was younger not knowing exactly how credit cards worked, as it was my first time having one- but knew I definitely had to pay them back. I thought I could pay in person, but a representative at Marshalls told me to call the number on the back of my card, that I should be getting it soon in the mail. I said okay and left. Several things go on in a young working XXXX XXXX mind. Days carried on and I never received a statement, an e-mail, a call, or even the card itself.
What triggered my memory about this was a call I received for the first time in regards to the card on Friday XX/XX/2017 while driving on my way home from work. This call was not from XXXX XXXX, but from a collection agency. They explained to me what the debt was for and of course the usual routine is to verify youre talking to the correct person before you carry on with the conversation. They asked if they were speaking to the right person, I verified that it was me and I was asked to also verify what my SSN was. Representative then read to me all my contact info to make sure everything was up to date. The address she read back to me was incorrect. Instead of XXXX XXXX XXXX XXXX ; the agency had XXXX XXXX XXXX XXXX. I told them if that's the information they received from you all at XXXXXXXX XXXX, then that should be the reason why I never even received anything. I was willing to go ahead and pay the bill until they told me what the amount was. My shoes were definitely not anything designer. I know for a fact they were not anything over {$50.00}. If my memory serves me right, I'm pretty sure they were around {$45.00} with the discount- thus I opened a dispute for the amount of $ 200+ I am been charged as a now. Pulling up my credit report, I do see TJMaxx XXXXXXXX XXXX on there ; and it is affecting me horribly. This one simple mistake made by this company associate has brought my credit score down ridiculously low.
Now as a XXXX seeking a XXXX degree, I am getting turned down left and right by lenders and loaning companies because of how badly this negative reflection has affected my credit score. -Everything else is perfect with on time payments on my other currently open credit card accounts. I was told by the collection agency that I had a credit line of {$550.00}! I was sincerely surprised by that because now I can't even get a regular credit card of more than {$200.00} ( With my deposit of {$100.00} even included ).
I'm really not trying to play the blame game here, but I do have concerns about the amount I am being charged. The collection agency said they would open a dispute on their end of an incorrect amount. I should not be charged any late fees or interest rates, as I never even received a bill to begin with. I do 100 % want to pay the amount off for the actual shoes, as they are something I am happy with as a general purchase, and also a VERY SMALL amount to the collection agency- as I know it was something they just bought off thinking they would gain- but this mistake was not their fault. Other than that I am declining any form of extra unnecessary payment for this case. I would like for this whole mix up to be taken off my credit report and cleared. I have already sent dispute letters via certified mail to all involved companies, including the CFBB but I have not had any progress and now it's already been almost a year fighting this unfairness with this account on my credit report.
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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On XX/XX/XXXX my PayPal credit card with Synchrony bank had unauthorized charges posted on it in the amount of {$3300.00} from XXXX. I immediately contacted PayPal/Synchrony bank regarding this charge to let them know I did not make this purchase. I was informed that my account would be frozen, a new card would be issued and it would go to the fraud investigation team to investigate. During the investigation, the account would be credited and nothing would be reported to the credit bureaus. After that initial phone call, there were multiple credits, charges, adjustments, balance transfers that Synchrony bank did on this account as well as on the new account they had issued me. Information listed below are all transactions related to XXXX unauthorized charges. You will see how the charges were charged, retracted, re-charged multiple times causing mass confusion : *Statement date XX/XX/XXXX : Trans date XX/XX/XXXX : Original unauthorized charge made in the amount of {$3300.00} from XXXX *Statement date XX/XX/XXXX : Trans date XX/XX/XXXX : Charge on new account in the amount of {$3300.00} Trans date XX/XX/XXXX : Another charge from XXXX {$1600.00} and Adjustment return {$1600.00} *Another statement date XX/XX/XXXX on new account Trans date XX/XX/XXXX : Another charge XXXX {$3300.00} Trans date XX/XX/XXXX : Adjustment {$3300.00} Trans date : XX/XX/XXXX : Credit {$1600.00} Trans date XX/XX/XXXX ( post date XX/XX/XXXX ) : Credit {$1600.00} Trans date XX/XX/XXXX ( post XX/XX/XXXX ) : Credit {$1700.00} *Statement date XX/XX/XXXX : Trans date XX/XX/XXXX : Another charge from XXXX {$1700.00} and Adjustment return {$1700.00} *Statement date : XX/XX/XXXX Trans date XX/XX/XXXX : An adjustment to your account {$3300.00} & Balance transfer to new account {$3300.00} *Another statement date XX/XX/XXXX : Trans date XX/XX/XXXX : Adjustment {$3300.00} Trans date XX/XX/XXXX Balance transfer to new account {$3300.00} *Statement date XX/XX/XXXX Trans date XX/XX/XXXX ( post date XX/XX/XXXX ) Credit XXXX {$1600.00} *Statement date XX/XX/XXXX : Trans date XX/XX/XXXX : Balance transfer to new account {$1600.00} twice *Statement date XX/XX/XXXX : XXXX balance Following are just some of the dates that I spoke to multiple representatives and was told each time I called that they DO NOT keep documentation of any calls yet the recording when you call states the calls are recorded. Each conversation ended with the same result : We will submit this to the fraud investigation team and you will be notified in writing of our decision. During this process, you will not be responsible for any late charges nor will this be reported to any credit reporting agencies. I called continuously as I would never receive this so-called letter in writing notifying me of their decision.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I finally received a letter on XX/XX/XXXX stating " What we have done '' : 1. Immediately closed the account for your protection and to prevent additional unauthorized charges 2. Notified the credit reporting agencies to remove this account from your Credit Bureau Report 3. Flagged your information in our system to prevent additional accounts from being opened with SYNCHRONY BANK in your name without additional verification 4. Assigned your case to a fraud investigator This letter finally arrived 14 months after the initial fraudulent charges were charged to my account. It has become extremely frustrating and very confusing and now has impacted our means of buying a home as I found out that they did report negatively to the credit reporting agencies 3 times even though I was told multiple times that would not happen and received the letter stated above saying they " Notified the credit reporting agencies to remove this account from your Credit Bureau Report ''. Due to the lack of communication, the frustration and the negative impact they made to my credit, I had to pay off the account so they would not continue to negatively impact my credit.
|
| 01/13/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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On XX/XX/19 I was a victim of unfair, deceptive, and abusive practices at Lowes with relation to their credit card product. On XX/XX/19, I went to Lowes to buy an appliance. The appliance i chose to buy was {$540.00}, and I requested to have my old appliance removed upon delivery, which was another {$20.00} charge, for a total purchase price of {$560.00}. The Appliance Manager ( AM ) indicated that if I opened a Lowes credit card, I would receive {$100.00} off my purchase, which was approximately 20 % off my purchase, and a very good deal. He pointed to the banner advertising the credit card promotion above the Appliance areas Point of Sale ( POS ) terminal. I saw the {$100.00} off had an asterisk next to it, and reading the banners fine print ( indicated by the asterisk * ), I noted that the offer was subject to credit approval. The AM indicated it was a great deal and there was no reason not to do it to save {$100.00}. The AM then took my drivers license and entered my social security number and household information into the POS. The POS brought up page 1 of 15 pages worth of the credit cards terms and conditions. The AM told me that there were 15 pages of this mumbo jumbo but that you are agreeing to the cards terms and conditions. He then pressed Enter into the POS to submit my application, and I was approved for the card. He showed me how to access my card via an approval e-mail on my phone from Syncrony. He told me to go to the front of the store to finalize my purchase, show my Syncrony Lowes credit card barcode on my phone at checkout, and by doing so I would get {$100.00} off my purchase.
Upon checkout, the cashier indicated there was no {$100.00} off my purchase offer in their system - my only offers were 5 % off my purchase or 6 months special financing. He directed me back to the Appliance area as I told the cashier the AM said I would get {$100.00} off. I went back to the Appliance area of the store, and told the AM that I was not offered the {$100.00} off at checkout with my card. He was shocked, pulled the tape off the promotional banner attached to the POS ( the one he had showed to me earlier as mentioned above ), and took me up front to Customer Service. The AM questioned a Customer Service Representative ( CSR ) as to why I would not get {$100.00} off my purchase. The CSR produced a piece of promotional paper that was different than what the AM showed me, which indicated that the {$100.00} off your purchase offer only applies if your purchase total is {$600.00} or more ( purchases below {$600.00} were only subject to {$35.00} off for new cardholders ). This was not included within the promotional sign that the AM had.
The AM, upon realizing he had misled me when he promoted and signed me up for the card, apologized and told me he just saw the big banner offering {$100.00} off first purchase subject to credit approval and that he didnt know there was any more fine print. He indicated he had not received any training on the credit card promotion. I asked if they could still please give me {$100.00} off in alignment with what was promised to me. He told me that to get {$100.00} off, my total purchase needed to be {$600.00}, so I had to spend another {$31.00} to get the {$100.00} discount. I indicated that I didnt want to spend more money, and that it was an abusive practice to push me to spend more money after-the-fact in order to fulfill on the original promise that was made to get me to apply for a credit card. The AM insisted it was only {$30.00} more dollars I needed to spend and that it was worth it for me. I again indicated that, by nature, that was unfair.
In short, I was promised {$100.00} off my purchase if I signed up for a Lowes credit card. Upon doing so, i was then told that the original promise was incorrect and not true, and I was pushed to spend even more money at the store to receive it.
I paid for my purchase using other methods, and I told the AM and CSR that I did not want the credit card if the AM had been dishonest with me about the cards offering. Lastly, this entire process took over 45 minutes and I had my wife and XXXX young children with me.
|
| 07/02/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This is for Synchrony Bank.
I have a closed XXXX XXXX account that was managed by Paypal Credit/XXXX. On XX/XX/19 I received a letter in the mail stating that Synchrony Bank will be managing my account starting XX/XX/19. I have been trying to make a payment to this account as of yesterday since it was due XX/XX/19, but I have been unsuccessful. I have spent over an hour and a half on the phone trying to find a valid number with someone who can find my account and make a payment. I also did a live chat option.
I would normally pay this bill online, but that option was removed when the initial owner ( XXXX ) stopped supporting it. As a result, I have been making payments via phone. I had two valid phone numbers for this and they do not work anymore, XXXX and XXXX. When I called these numbers on XX/XX/19 and XX/XX/19, the first number doesn't find this account and only finds a paypal credit account that I have elsewhere. The latter number gets stuck in a loop when entering in my SSN/phone number/last 4 of account number. If I keep fiddling with it for a while, it will try to transfer me to someone, but it says it is a non-working number.
On XX/XX/19, I XXXX 'd Synchrony 's XXXX number and dialed XXXX. The automated prompts found my care credit account with {$0.00} balance. I was able to talk to someone, but since they were for the care credit section they couldn't help me. They advised me of a number ( XXXX ) and did an internal transfer. This number was a non-working number since I received a busy signal. I hung up and tried the main number for Synchrony Bank ( XXXX ). I ran into the same issue of it finding my care credit account. I then tried the number listed in the letter I received ( XXXX ) and was met with the same results.
On XX/XX/19, I thought maybe it was just a system glitch so I retried all of the above numbers and had the same issue. I then called XXXX and just fumbled through the prompts to get a live person. I did receive a live person and mentioned that this was for a XXXX preferred account. They said I had the wrong number. I asked which number and she told me XXXX. I advised that I called this number. She said she would transfer me internally. I was transferred to another department where I talked to a live person. I advised of my situation and provided the last 4 of my account number ( I do not have the full account number since I toss my statements and I never received a XX/XX/XXXXstatement in the mail nor an email ) and my SSN. He could not find my account. He spoke with his supervisor and his super couldn't find my account either. He asked for my balance, credit limit and last payments. He said he thought he found it and transferred me. I was transferred to another automated system for a paypal extra mastercard ( which I do have, but it is not the account in question ) and I still couldn't access this account.
On XX/XX/19, I did a live chat with Synchrony bank. They could not find my account, but after giving my story. The rep advised that my account was 1 of the 10000 accounts recently transfered in the PayPal Credit Conversion handled by Triage customer service. He advised me to call XXXX. After saying I called that number and they couldn't help me, I inquired if I could mention the account changes with Triage and he said yes.
After ending the chat, I called XXXX went through the prompts to get a CSR. Advised this was regarding the recent paypal credit conversion and I was internally transferred ( the rep said that number was not working ). After being transferred, I explained my story to the new rep and they advised to call XXXX. When I called this, it said it was for paypal smartconnect. I went through the prompts and it did not find the account in question.
This is pretty ridiculous since I'm trying to make a payment to my account, no one can find the right number and their automated system keeps detecting the wrong account ( s ).
Account details : Payment due date is the first of each month, last payment was {$70.00} on XX/XX/19 with a minimum due of {$57.00}, last account balance prior to payment was {$1800.00}, initial credit line was {$2000.00}.
|
| 09/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a XXXX man. My dental and medical expenses are covered by XXXX XXXX
In or around XXXX, I went to XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My previous dentist did not take my insurance, XXXX XXXX and so I was looking for a new dentist. I found XXXX XXXX XXXX when I was driving around XXXX. At the time, due to the need for a XXXX XXXX XXXX XXXX I was in extreme pain and was seeking assistance as soon as possible. I went in as a walk-in appointment to XXXX XXXX XXXX that same day.
When I went into XXXX XXXX XXXX for assistance, I informed them that I have XXXX insurance coverage. While I was in the procedure room and in the examination chair, the dentist informed me that XXXX XXXX XXXX did not take my insurance. The dentist then stated that since they did not take my insurance, they wanted to see if I qualified for credit. The dentist did not specify XXXX XXXX, nor did she provide me with an estimate of how much the procedure would cost. The dentist then left the room, leaving me in the procedure chair. When she returned, she stated that I qualified for a {$3000.00} credit line with XXXX XXXX. After I was informed that I was approved for the line of credit, the dentist immediately started working on my teeth without further explanation. I was not informed of the cost of the procedure, nor did I knowingly sign any contract for the credit card. The dentist conducted the XXXX XXXX XXXX XXXX XXXX XXXX
About XXXX days after the initial procedure, the filling fell out. I called XXXX XXXX XXXX to inform them that the filling fell out and I needed immediate care. The same dentist told me to come in for another appointment and XXXX XXXX XXXX XXXX XXXX. The dentist did not explain if there was going to be a secondary charge for the second appointment.
When I got home after the second appointment, I noticed a giant gap in the filling. I called XXXX XXXX XXXX and requested that they remedy the situation, and XXXX XXXX XXXX informed me to come back in for a third appointment. That same day, I went back to the XXXX XXXX XXXX, and they did an Xray of my teeth. At that point, the dentist stated that they would have to remove my molar next to the filling. I stated that I did not want to get rid of a perfectly fine tooth. The dentist stated that removing the tooth would fix the gap issue in my filling. I expressed concern and stated that her suggestion did not make sense as to how removing a molar would fix the gap in my current tooth because it would make the area bigger. The dentist from XXXX XXXX XXXX stated that if I was not willing to remove the molar, there was nothing else she could do, and they refused to assist me further.
After the third appointment, I received the XXXX XXXX card in the mail. A few days after the card came in the mail, I received the first bill to the XXXX XXXX card. This was the first time I learned about the cost of the procedure and the balance of the debt. Upon seeing the balance, I immediately contacted XXXX XXXX by phone to dispute charge of the credit card. I informed XXXX XXXX associates by phone that the procedure was not done properly and there was still a gap in your tooth. XXXX XXXX informed me that they would investigate. I reached out multiple times via phone to follow up on the investigation, however, I did not receive evidence of an investigation nor results from said investigations.
XXXX XXXX XXXX charged me for dental work that was improperly done and entirely unbeneficial to me. After my experience with XXXX XXXX XXXX, I went to another dentist, XXXX XXXX XXXX, for a consultation. XXXX XXXX confirmed that the tooth was still unrepaired, and that my filling was not done properly. XXXX XXXX also informed me that the removal of my molar was not necessary to remedy the gap in the filling. As of XX/XX/XXXX, the tooth remains unrepaired, causing me pain daily. Food particles are consistently stuck in the gap of the tooth, causing me constant discomfort.
In my most recent account statement, it appears that XXXX XXXX cancelled the dental charges. However, XXXX XXXX continues to charge me late fees and interest on the cancelled balance.
|
| 06/18/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
This bank has a flawed process of verifying me by a code they send by telephone that existed for the entire year I have been with them. This has made it impossible for me to get my instructions to the bank. They send my landline telephone ( I DO NOT OWN A CELLPHONE and CAN NOT RECEIVE TEXTS ) a code which I have no problem successfully receiving. And then their staff calls me back to have me tell them what it is. But when they call back their phone rings one time only at my home and no one is on the line. Recognizing that to be a problem I called the bank back and was able to speak with the same staff who attempted the calls. She reported to me she received an error message and could not get through. Let me be clear. The code she sent me has no problem arriving. It rang twice before I picked it up. And I successfully received it. So the problem is with the bank 's telephone and not mine. She also confirmed the expiration time of your code was so appallingly short that it did no good for me to give it to her. So both of us were left frustrated. And our time wasted. Furthermore, she told me the bank will not allow verification by email. So their process to verify me is flawed. For it can not be completed. Now I am planning to close all 3 of my CDs and leave the bank for good. Their maturity is upcoming. But I have no faith at all my instructions to them will be followed. I am sending the following letter of instruction to them on Monday XX/XX/XXXX without any information from them they allow written instructions. And owing to the impossibility of getting properly verified can only see a problem. ALL I want are all 3 CDs to close to maturity.
Sunday, XX/XX/2023 XXXX XXXX XXXX XXXX, MA XXXX Synchrony Bank XXXX XXXX XXXX XXXX, Georgia XXXX XXXX Letter of Instruction to close all 3 of my account CDs on their upcoming maturity date Madams and Sirs : This is my letter of instruction to close all 3 of my account CDs on their upcoming maturity date.
XXXX. XXXX CD 12 months maturity XXXX XXXX. XXXX IRA CD maturity XXXX XXXX. XXXX ROTH IRA CD maturity XXXX Please see to it all XXXX are closed on maturity.
Secondly, I am advising you of the following issue that is causing serious problems for me in communicating my instructions to you. I have reported this issue multiple times in the past. And for this to continue is NO longer acceptable. Over the past year whenever it has been necessary for your staff to telephone me as happened this past week, a problem arises. When they attempted to verify me by a code they sent, I successfully receive it by telephone. However, when they call my landline back to ask for the code ( for I do NOT OWN A CELLPHONE phone and CAN NOT RECEIVE TEXTS ) their phone rings a single time at my home and no one is there when I pick it up. Recognizing the problem I called Synchrony Bank back and was able to be speak with the same staff member. According to her she received an error message and was unable to speak to me. She also confirmed the expiration time of your code was so appallingly short that it did no good for me to give it to her. So both of us were left frustrated. And our time wasted. Furthermore, she told me the bank will not allow verification by email. So your process to verify me is flawed. For it can not be completed.
Let me be clear. The code you sent me has no problem arriving. It rang twice before I picked it up. And I successfully received it. So the problem is with your telephone and not mine. My conclusion is that if anything further is required by telephone to close all 3 of my CDs other than this letter of instruction you are making that impossible for me. And you may expect that I will report any violation immediately to an appropriate Banking Commissioner. And I will advise them you have not offered me any way possible for my instructions to be followed by your bank. So follow this Letter of Instructions and close the CDs on their maturity date or expect problems. The issues your bank is causing are no longer tolerable.
Finally, I request that you immediately verify this by US mail and email that these instructions will be followed.
XXXX XXXX
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX/XXXX XXXX Balance Owed : {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account.
XXXX XXXX XXXX Balance Owed : {$1500.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately.
SYNCB/XXXX XXXX Balance Owed : {$1400.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
XXXX/XXXX XXXX Balance Owed : {$22000.00} - Balance and payment history is XXXX please remove immediately.
XXXX XXXX XXXX Balance Owed : {$4200.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
XXXX/XXXX XXXX Balance Owed : {$8200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately.
SYNCB/XXXX XXXX Balance Owed : {$5700.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.
XXXX XXXX XXXX Balance Owed : {$11000.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting.
XXXX XXXX XXXX Balance Owed : {$2400.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.
XXXX XXXX Balance Owed : {$1000.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.
XXXX XXXX Balance Owed : {$150.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
XXXX XXXX XXXX Balance Owed : XXXX - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account.
XXXX XXXX Balance Owed : {$4700.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account.
XXXX XXXX XXXX XXXX Balance Owed : {$64.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this.
XXXX XXXX Balance Owed : {$2500.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.
|
| 04/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I applied for a CareCredit Card through my XXXX provider, XXXX XXXX in XXXX, CO on XX/XX/XXXX to pay for my XXXX. XXXX XXXX provided me a paper application for CareCredit to fill out in the lobby. I extensively read all terms and conditions of agreement and do not remember at any point opting into a card security that would charge to my card. The paper application I found to be vague when discussing promotional purchases ; not allowing for specifics in how different time lines ( i.e 6,12, 18, or 24 month no interest ) are opted into when using credit for purchases larger then the {$200.00} minimum for promotional purchase benefits.
It was my understanding that I was signing up for a credit card that allowed me to, as advertised, [ have ] shorter term financing options of 6, 12, 18 or 24 months. No interest is charged on purchases of {$200.00} or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period ( https : //www.carecredit.com/XXXX. ) I have regularly paying more then the minimum monthly due since I first charged credit to the account.
After completing the paper application I gave the papers to the receptionist, and I assume they then completed the application online, as well as opted me into the promotional allowing me to pay zero interest within the period allowed after charging the remaining amount of my XXXX owed to my new CareCredit card, amounting to {$4100.00}. This amount was not charged until I received my XXXX, on XX/XX/XXXX. This was well over the {$200.00} minimum for the promotional period.
Looking at my account however, I find that I am being charged minimum interest the last day of each month, and ha e been since XX/XX/XXXX.
I also have been charged since signing up a card security fee on the last day of every month. The information provided to me when I click on details in my phone application of the security card fee is extremely limited, not explaining the charge or why its there simply the amount, and a phone number.
When logging onto my account online to check my promotional purchases, I find that I was only opted into a 12 month promotion, not 24 month as was told to me at XXXX XXXX XXXX at the time of my application and charge process. And though I charged well above the limit cited in there advertisements and online, I was given a shorter promotional period so they could begin charging me interest on XX/XX/XXXX. It is stated I will also begin paying deferred interest at this time.
None of these specifics were listed on the paper application I filled out the day I applied for my CareCredit Card.
Today, XX/XX/XXXX, I called care credit after reviewing on an online credit help website that these card security charges were hidden fees applied to my card through a partner company, and that many other people had experienced these charges and did not opt into them. Many people on this website said they called, contested the charges, were refunded the difference to there credit, and the program was cancelled. I decided to to the same.
I called CareCredit and they transferred me to the partner company. The person on the phone let me know that I opted into the card security on the online application on XX/XX/XXXX. I let them know I did not fill out the application online, but filled out a paper form that my XXXX receptionist then transferred online, and cited there must have been a mistake. This compliant was ignored by the person on the phone, however they did offer to cancel the card security and refund me the last charge for card security as a courtesy. I repeated to them that I did not fill out the online application and asked them to refund the missing balance to my credit of {$460.00}. They declined. I let them know I would be filing an compliant with the CFPB, they let me off the line.
I would like to solve these three problems : -card security hidden fees amounting in {$460.00} since XX/XX/XXXX.
-minimum interest fees amounting to {$14.00} since XX/XX/XXXX.
-change my promotional purchase to 24 months vs 12 months allotted when making my original credit purchase of {$4100.00} Thank you.
|
| 10/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I had pet emergency about XX/XX/XXXX for XXXX XXXX and the XXXX XXXX helped me get a credit card in witch to cover the cost. well I paid that fee off with no problem and then put the card away. a year later XX/XX/XXXX, I broke a XXXX and the XXXX encouraged me to call the credit co. and reestablish a line of credit. so I called from the XXXX office and they gave me a {$2000.00} line of credit. the XXXX wanted to know how much the line was for and I let her believe that it was only for {$1.00} and she charged me {$950.00} and {$50.00} in cash. the XXXX clerk talked to the credit holder and set up the payment. I was not aware that it was like a credit card that I was in a promotional time period and I did n't know that there would be a increase in interest when I received the credit line. On the back of the monthly statement was written that by paying the minimum payment that it will take 7years to pay off and by paying additional amt. that it would be paid off in 3 years being a total of {$1400.00}. with a savings of the amt. of {$800.00}. I noticed the the min. payments started off at the amt. of {$33.00} and then {$36.00} then {$35.00} and up and down to {$25.00} and so on. I all but 3 times paid in the amounts of {$40.00}, {$41.00} once and mostly {$45.00}. So I had n't been paying attention to the changes on my statement assuming that everything was ok and I could never figure why my amt would continuously change but I just kept making my payments until XX/XX/XXXX I noticed on my statement that my minimum was {$60.00}. I called and found out that I was late 1 day in XX/XX/XXXX. {$30.00} late fee, I asked him if he could wave the fee and he was rude but he said that he would take the fee off of the end of the loan but I still needed to pay the the {$30.00} charge making the min pmt. {$60.00}, I do n't know how that worked but had to pay it. That was when I noticed that my loan amount was almost to the original amt. I was astounded and I called the creditor and spoke to a woman and asked her why and she said that the promotional time had lapsed and to avoid paying deferred interest charges I should pay in full. well My new loan amt. is {$900.00}, this is {$98.00} less than the original loan for {$1.00}. It was so hard for me to conduct any exchange with her because of the laughing in the background. Every time I became overwhelmed with grief, I would hear the laughing begin especially when I told her " at this rate, I wont be able to pay this off in my lifetime. you are stealing from me! '' Little did I know that this had been going on since XX/XX/XXXX. Then XX/XX/XXXX adding on a interest charge of the amt. of {$390.00} which brought my loan total to {$910.00}. and min payment fee was {$30.00} and I sent {$40.00}. then XX/XX/XXXX there was a interest charge of {$20.00} and a min. payment due of {$30.00} and I sent {$40.00} which brought my loan amt. to {$890.00}. Then in XX/XX/XXXX an Interest fee of {$20.00} was applied and my min. payment of and a min. payment of the {$60.00} of which {$30.00} was a late fee of which was waved and put on the end of the loan ( so they said ) and that made my total loan {$900.00} but the statement shows a fee adjustment of {$30.00} and then on my XX/XX/XXXX statement there is a {$30.00} min payment and I will be sending {$40.00}. There is a interest charge of {$21.00} and also a $ XXXX credit adjustment and the statement new balance of {$830.00}. I can only tell you that I dont understand what is going on. I do know that these people are mean and rude and love laughing at others hurt. I cant figure out why they added {$390.00} on XX/XX/XXXX statement. I am on Social Security and am XXXX and was looking forward to the day that I would be free of these payments but I regret the day I got my only XXXX XXXX fixed. I should have chose a different XXXX or maybe I should have gotten it XXXX but the humiliation that I felt when talking to these people had to be the lowest of my emotions and knowing that I may have to think about them with every payment for the, maybe the rest of my life puts a whole other meaning to humiliation. Thank you, XXXX.
|
| 11/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I made a substantial payment of {$5300.00} to Synchrony Bank ( Care Credit ) in XX/XX/XXXX. Thereafter, a non-promotional charge of {$350.00} appeared on my balance. I immediately called to rectify the discrepancy and have been advised that it would take up to 60 days to resolve. Several supervisors have subsequently reviewed the account and agreed that the charge should not be reflected on my account and adjusted. I have also been charged interest each month for the non-promotional balance ( I have never made a non-promotional purchase ). As of XX/XX/XXXX, I spoke with a supervisor and was told that it would take another 60 days to resolve. The following are ll my notes with Synchrony/Care Credit : XX/XX/XXXX spoke w/XXXX following payments will be allocated from {$5300.00} payment recvd : XXXX : {$630.00} ; {$1300.00} ; {$1500.00} ( {$2000.00} original purchase ) ] ; XXXX : {$1100.00} ( entire amount ) ; XXXX : {$290.00} ( entire amount ) ; XX/XX/XXXX : {$390.00} balance - {$320.00} to be paid ( OWE {$75.00} ) ALL INTEREST FOR XXXX PROMOTIONS TO BE WAIVED {$710.00} XX/XX/XXXX ( XXXX XXXX. ) t/c XXXX ; advised that they are working on adjustments will be done by XX/XX/XXXX ; she waived {$710.00} new balance prior to adjustments {$1800.00} [ should be updated in 2-3 days ] XX/XX/XXXXXXXX XXXX XXXX XXXX ) t/c XXXX re adjustment of payments and reflection of accurate balance ( {$1300.00} ) ; explained everything she did say there was a non-promotional charge ( {$360.00} ) that should no reflect ; we both went over the account ; {$140.00} discrepancy ( came from {$1500.00} account that was showing {$1600.00} ) w/out {$140.00} discrepancy and removing {$360.00} non-promotional, total {$1400.00} ) {$5300.00} PAYMENT WAS NOT ALLOCATED PROPERLY ( APPLIED TO XX/XX/XXXX BALANCE AND NOT XX/XX/XXXX ) XX/XX/XXXX ( XXXXXXXX XXXX ) t/c XXXX ; discussed recent electronic correspondence ; we discussed duplicate {$900.00} payment ; stated XXXX ; advised that they are working on adjustments will be done by XX/XX/XXXX XXXX she waived {$710.00} new balance prior to adjustments {$1800.00} [ should be updated in XXXX days ] ; XXXXXXXX XXXX. spoke w/XXXX he said that the non-promotional balance that says terminated will update/drop off ; he said that changes were made on XX/XX/XXXX ; only balance remaining is the {$390.00} balance that expires in XX/XX/XXXX and {$1000.00} balance ( {$1200.00} original charge ) balance left for XX/XX/XXXX expiration XX/XX/XXXX ( XXXXXXXX XXXX ) t/c XXXX re terminated charge ; she said that she got a XXXX involved and they will update the account to reflect balance XXXX XXXX terminated charge of {$350.00} ( change ) ; she said it XXXX take XXXX billing cycles XX/XX/XXXX ( XXXXXXXX XXXX XXXX -t/c XXXX re interest charge for XXXX ( {$8.00} on XX/XX/XXXX ) ; she said that she does not want to remove any interest charges because someone is working on this matter ; I was told that went the terminated balance is updated, the interest charge will be removed XX/XX/XXXX ( XXXXXXXX XXXX ) t/c XXXX re status of removing terminated charge ; advised that I have been charged interest for two months for the terminated charge and was told that it would take 60 days ; she checked with a manager ; after a long hold period, she advised that the manageXXXX, XXXX, did see that the terminated amount should not reflect on the amount owing, including the interest, and that she was going to send to Accounting for further action/removal. She said once the account is accurately reflected, the amount will be updated and any interest removed.
XX/XX/XXXX ( XXXXXXXX XXXX. ) t/c XXXX; asked to speak w/supervisor ; XXXX XXXX ( supervisor ) -explained the entire terminated balance and interest; explained that this issue has been going on since XXXX ; it has been agreed with more than one supervisor that balance should not be reflected for terminated balance and that no interest should be incurred ; XXXX checked into this ; agreed that charge and interest need to be adjusted, but he said that it would take up to two billing cycles ; he stated that he would submit on a high priority
|
| 05/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Syncrony Bank Dispute acct ending - XXXX To whom this may concern, I have been trying to dispute this charged amount by XXXX XXXX XXXXXXXX XXXX. Since they put the charge through approximately XXXX XXXX XXXX XXXX
I signed and I will submit the original papers I signed for {$5300.00}, at the time two employees went over all paperwork with me. I gave them {$4700.00} in cash down as they would want not take more cash than that.
We concluded the transaction and because of the size of the box of the machine my father had to pick this up. Which he did. At the time he picked up the machine the workers made comments to him about why I had so much cash, to which he made a joke then explained I had worked 14-16 hours a day, 7 days a week to build a business and he was proud of me for saving so much.
That night XXXX mins before they were closing they left me a voicemail message saying they were ripping up my contract and I needed to resign for more Money approximately {$4900.00} More. This was after delivery, after the contract was signed.
I contacted a lawyer who contacted them and they refused to speak to him. I signed a contract for {$5300.00}, they had XXXX employees go over the whole contract and entire financing of 60 months equal payments, no interest. After business hours they emailed me a second unsigned contract, for their new adjusted amount I have the original contract which I will send you can see my own unique signature, plus it is in a light blue, my contract is signed ( dated and timed at the top left of the paperwork ). XXXX XXXX XXXX XXXX, did not submit the contract I signed. I find it hard to believe they would say there was a mistake given two women went over the entire contract. This was unlawfully changed and sent to Synchrony Bank. Synchrony Bank has refused to do anything and they have sided with the merchant, it is important to also note, that part of the machine a {$990.00} stand for this embroidery machine has never been sent to me but it was part of my purchase. I have made the required payments regardless of this fraudulent and questionable business practices by XXXX XXXX XXXX Co and Synchrony Bank as well. No other store could you walk in make a large purchase like diamond earrings and then after you leave with the earrings they decide to charge you double, or as in this case take away a sale still going on for XXXX XXXX which was on their website until the next day it was removed. They have perpetrated fraud against me and the bank has not stopped the retail stores fraudulent business practices.
If someone else signed my name in any other paperwork that is more than {$5300.00} that is fraud, which I will pursue as well. I have kept each and every document from the sale and additional correspondence and I have yet to see a satisfactory conclusion to this matter.
A company can not sign a contract, let the customer take delivery of a product and then decide to raise the price of the contract.
At this point I am also filing a complaint today with the Missouri Attorney General, in this case with XXXX XXXX XXXX company.
This company has acted in bad faith, against the rule of law, and they are in violation of contract law, as well as if anyone signed my name to any other document they committed fraud within this contract.
I respectfully submit all documentation for your review and ask you to correct my original bill to {$5300.00} minus all payments made.
I have unsuccessfully tried to work with Synchrony Bank, they wont tell me why they believe this is a valid transaction. They just deny the dispute, I need help with someone following the rule of law, I appreciate your help and attention to this matter, as I would like to remain a loyal and good client of Synchrony Bank, however this needs proper investigation. I will await your investigation, I can be reached at XXXX, in addition as a backup person of contact if I am working and do not hear my phone you can contact my mother XXXX XXXX at XXXX, I authorize her to speak to any official authority on this matter on my behalf as well.
Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
|
| 07/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I recently applied for the Paypal Cashback Mastercard which was offered to me through promotional emails I received ( I have an active PayPal Credit account with Paypal ). I ended up applying for the card via an electronic application as I was impressed by the rewards offerings and was approved the same day. I received the Paypal Cashback card with no problems a few business days later and when I signed into my online account, it also showed I had an active Paypal Cashback card. I unfortunately do not have dates for the application or for when I received my card in the mail. I never received email confirmation of my accepted application nor are there any documents online that I have access to showing when they sent me the card.
As of today, XX/XX/2019 when I was checking my account activity, which I tend to do every few days to ensure there are no fraudulent charges, my account had been changed to show I have a Paypal Extras Mastercard which is a completely different card with a different rewards structure that I never applied for.
To try to resolve this issues, I used the online chat option to attempt to speak with a chat representative on why my credit card account had been changed to a card I never applied for. They claimed that I had always had an Extras account for an Paypal Extras Mastercard instead of a Cashback account for the Cashback card I currently have in my possession. They then went on to try to convince me to just use the Extras account anyway and there is nothing they can do. When I told them that was unacceptable and I just want my account changed back to the card I applied for, they claimed to transfer me to an account manager. The account manager said they needed time to investigate and then the chat abruptly ended from their end but the chat prompt claims I ended the conversation.
I then reached out to the customer service phone number on the back of my card to talk with a representative over the phone instead. I explained the situation to a Synchrony customer representative and they said they would reach out to an account specialist to see how this happened and what could be done. When they got back with me, they said the account specialist confirmed there is nothing they can do and that I would have to reach out to PayPal for any assistance with this or to confirm the application I submitted.
So as recommended, I reached out to Paypal customer service and when I spoke with a customer representative, they claimed they have no control over any Paypal Cashback or Extras account and that they have no records of applications on their end. I was then advised to reach out to Synchrony customer support for any credit card account issues.
At this point, I was hearing conflicting information from both Paypal and Synchrony customer support. I called the customer support number from the back of my card again and requested to speak directly to an account manager to find out what is going on. I get in contact with an account manager and they tell me that I have an Extras account and also claimed that the electronic application I submitted was for the Extras card and not the Cashback card. I told them that I applied for the Cashback card through an email sent from Paypal specifically for a Cashback Mastercard and the physical card sent to me was in fact a cashback card. When I requested to have a copy of the application sent to me, they refused saying that because its an electronic application, the accountholder is not privy to this information and that I have always had an Extras account. The manager essentially would not answer my questions on how something like this could have happened or offer a solution to change the account back, instead they continually tried to convince I have always had an Extras account and credit card when I have proof otherwise.
From everything I experienced and was told, I believe this may potentially be a consumer fraud situation and I don't want this to affect anyone else who has applied for a Paypal Cashback card to then have their accounts changed without permission to a card they did not want or apply for.
|
| 07/04/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
Synchrony Bank/XXXX XXXX store credit accounts closed.
( Synchrony Bank and XXXX XXXX ) My wife had a Synchrony/XXXX XXXX store card since XX/XX/XXXX. I had my own Synchrony/XXXX XXXX store card since XX/XX/XXXX. We each received letters dated XX/XX/XXXX and XX/XX/XXXX indicating that our accounts were closed because : - DEROGATORY PUBLIC RECORD OR COLLECTION FILED - PROPORTION OF BALANCES TO CREDIT LIMITS ON BANK/NATIONAL - REVOLVING OR OTHER - REVOLVING ACCOUNTS IS TOO HIGH - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN - TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT - NUMBER OF ACCOUNTS WITH DELINQUENCY In both cases, our individual Synchrony/XXXX accounts have XXXX recorded incidents of 30/60/90 days late. We both paid off our individual Synchrony/XXXX accounts in the last couple of months. We both reviewed all of our open revolving credit accounts all of the way back until XX/XX/XXXX. We have XXXX account that had XXXX single instance of XXXX days late. As mentioned above the letters were dated XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). We pulled our XXXX score dated XX/XX/XXXX ( XXXX week prior ). - On XX/XX/XXXX ( XXXX week prior to letter ), XXXX 's was XXXX and as of XX/XX/XXXX is XXXX. - On XX/XX/XXXX ( XXXX week prior to letter ), XXXX 's was XXXX and as of XX/XX/XXXX is XXXX. In the letters dated XX/XX/XXXX & XX/XX/XXXX, Synchrony Bank quotes scores from XX/XX/XXXX, 3 FULL MONTH PRIOR to the letters. The letters also state " While the credit score may not be recent, your score has likely not changed significantly '' and quotes XXXX 's score as XXXX and XXXX 's as XXXX. We both have XXXX public records on our report and zero accounts in collections. XXXX 's revolving credit utilization is 4 % and XXXX 's is 24 %. We have worked on our credit, we have been working at paying off balances, we have identified errors on our credit reports, and our credit reports have continued to improve. We are disheartened that Synchrony Bank/XXXX XXXX would hand pick a XXXX month old credit report to make decisions that impact our family 's lives. Why did they have to dig so deep to support this decision? Why did they post numerous reasons that are factually incorrect? Why would they punish us for paying down our balance? This action discourages any future interaction with Synchrony Bank. This action discourages any future interaction with XXXX XXXX. This action negatively impacts our credit utilization by closing accounts that have zero balances. This action negatively impacts our number of accounts with positive payment history as there is no history of late or delinquent accounts. Further, the credit inquiries associated with the initial application for these accounts was within the last 24 months so we have the negative impact of inquiries with no offsetting available credit or account with positive payment history. Call it what you want this feels like a crime. We tried to speak with Synchrony Bank on at least XXXX of the account decisions ( XXXX 's ) and we were initially told that the reason was that there was inactivity on our account. After being transferred multiple times we were told that the reasons were those stated in the letter and that we had to take the issue up with XXXX, which makes no sense. CFPB representative - we appreciate your review of our issue. I ca n't imagine a positive outcome, reopening the accounts would provide some value, but opening a new account would be a credit hit. Our hope is that your are able to squelch Synchrony Bank/XXXX XXXX 's predatory practices to issue credit around XXXX to support sales, but close accounts at there convenience to managed their credit portfolios, with no regard for the impact to consumers. The attachments include the letters that we received from Synchrony/XXXX. We 've also received a few of the artifacts from our XXXX accounts for our most recent XXXX credit information. We have much more that we can provide if needed included full credit report files and historical scores. Thank you, XXXX and XXXX XXXX
|
| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I applied for a credit card and got denied and was told it was due to a delinquency that was being reported to my credit report. I checked my credit report and noticed a charged off account from PayPal Credit. XX/XX/2020 I sent out a dispute letter to dispute the charge off account that was being reported to my credit report by PayPal Credit. In the dispute letter I sent out on XX/XX/2020 I requested validation, made pursuant to the FDCPA & FCRA, along with the corresponding local state law and to please note that I am requesting " validation :, that competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PayPal Credit. Also to let the SYNCB/PPC know that any negative mark found in my credit reports from PayPal Credit or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if PayPal Credit can not validate the debt, they must request that all credit reporting agencies delete the entry.
XX/XX/2020 PayPal Credit responded to my first dispute letter validating the account being reported by PayPal Credit with copies of monthly statements.
I waited 31 days from the date PayPal Credit first received my dispute letter to reply. On XX/XX/2020 I replied with my 2nd dispute letter in response to PayPal Credit validation letter. I stated that PayPal Credit failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Additionally I asked to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, PayPal Credit should be aware that a printout of a bill or itemized document does not constitute verification.
XXXX XXXX PayPal Credit responded to my 2nd dispute letter I sent out in XXXX XXXX. PayPal Credit stated that they had received my request to verify information in regard to the charge off account. PayPal Credit records indicate that they previously received and responded to my inquiry by providing information from PayPal Credit account records ( monthly statements ). PayPal also said that they believe the information previous provided is accurate and complete. However, if I choose to dispute this debt or information PayPal Credit furnished to a credit-reporting agency regarding this debt that I should send a dispute, in writing, and to please identify the inaccurate information and tell PayPal Credit why I believe this is incorrect in " which I had already send 2 dispute letters '' PayPal Credit has violated the FCRA & FDCPA by not providing validation of the debt.
I waited another 31 days from the time PayPal Credit received my 2nd dispute letter to reply to their correspondence of my 2nd dispute letter. Since PayPal Credit violated the FCRA & FDCPA by not providing valid information validating the debt On XX/XX/2020 I responded to PayPal Credit with my 3rd dispute letter. On my 3rd dispute letter to PayPal Credit I let them know that upon further investigation, I have retained new copies of my credit reports, and noticed that PayPal Credit did not furnish the credit bureaus with the required disclosure, within the period required by law. PayPal Credit is required by Federal Law to place a " notice of dispute '' on my account within 30 days of my dispute, in which PayPal signed for on XXXX XXXX. I have retained copies of the signatures and ate of receipts, as well as a time-stamped copies of my credit reports, showing that PayPal Credit violated the FCRA, Section 623 ( a ) ( 3 ) and/or the FDCPA Section 807 ( 8 ) by not placing the disclosure within the required 30-days period, which I waited 31days from each letter I send out to give PayPal Credit 30 days to fix this matter. I let PayPal Credit know that I was making one final goodwill attempt to get the inaccurate account removed from my credit reports before taking further action and the issue never got fixed.
|
| 10/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
Notice to Agents Notice to principal of Synchrony Financial, I approach this matter with clean hands and in good faith, per UCC 308. I am inquiring about two accounts : my Sams Club credit card account ending in XXXX and my Amazon credit card account ending in XXXX. In writing, I request an explanation from Synchrony Financial Corporation regarding the closure of my Amazon credit card and the reduction of my Sams Club account. As a consumer, I assert my right to access credit, as per the Truth in Lending Act ( 15 USC 1602 ). Denying me access to my credit is a form of discrimination, and withholding access to my securities constitutes securities fraud.
I maintain that I possess unlimited credit, and I contend that Synchrony Financial is in violation of the Equal Credit Opportunity Act and the Consumer Protection Act. Since you have closed my Amazon credit card, I request that you retract my application. Additionally, please provide the Generally Accepted Accounting Principles ( GAAP ) information for the contracts. I also seek clarification in writing regarding whether Synchrony loaned or credited me any of their own funds. Furthermore, I request confirmation that we are not subject to the Emergency Banking Act of 1933 ( updated in 1994 ) and the Indentured Trustee Act of 1939. Please provide written notice as to whether I am considered a holder in due course of this contract. Check 3 UCC 302.
I am reporting a billing error, as per 15 USC 1666 and 12 CFR 1026.13. There appears to be a breach of contract by the company mentioned above, which I find morally offensive. Unknowingly, I have allowed Or agreed Unconsciously that, Synchrony Financial Corporation retain my proceeds, interest, and dividend payments. Certificate of indebtedness information was not adequately explained, and Synchrony never disclosed the open-ended nature of the account, potentially violating 15 USC 1611 and criminal liability for providing false information.
I hereby reclaim all my proceeds and security interests due to me. I am aware that all securities are backed by the full faith and credit of the U.S. Government, as per 18 USC 8 ) ( 31 USC 3123 ) When Synchrony Financial extended a small portion of credit to me, it my bill was, in my view, already prepaid.
During this billing dispute, I kindly request that my account be zeroed out and credited to its full balance, with extended credit in accordance with 15 US Code 1637 and 12 CFR 1026.13. I also request the reactivation of my Amazon card with the extension of credit, which I have not utilized. The account was just closed without my knowing, I know without doubt i can not be denied credit lawfully as the natural person or beneficiary, according to Equal opportunity act. Denying me my own credit is discrimination of my character, I applied for credit and regardless of the reason being, I have the right to credit, By Synchrony with holding my securities is securities fraud, Synchrony Financial Bank is in violation of the Equal opportunity act and Consumer Protection Act. I am propelled to XXXX XXXX dollars per violation per third-party.
The findings of misconduct and the perception of unclean hands on Synchronys part have caused me considerable distress, mental frustration, and great hardship. I can not comprehend all of the deceit in this matter. I am deeply offended by these fraudulent actions. As I explained above All debts are pre-paid the U.S government pledged to pay debts in legal tender principles and interests 18 USC-8 ) 31 USC 3123 ) In addition I've paid in the wrong tender and I am also requesting tender of payments according to Discharge and effect of discharge, I have paid in the wrong tender 3 UCC 601 through 604, Return any remaining credit balance remaining in the account for more than six months of payments by cash check or money order or transfer to the account I can provide at a later date.
I am prepared to request an audit of Synchrony Financial Bank, or we can pursue resolution in Arbitration or Federal Courts if this matter is not addressed fairly and promptly. Thank you for your swift response.
|
| 10/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
( edited copy of letter sent to Synchrony Bank ) Care Credit Credit Card Processing SYNCHRONY BANK XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Sirs, I have now received my XXXX statement, and none of the issues I reported last month have been resolved. Nor have I received any communication from you discussing these issues, nor indicating that you are even researching the issues.
To summarize my previous letters, I sent you a letter on XX/XX/XXXX, documenting the issues as I saw them then. I sent this letter to you by certified mail. Attached is my USPS receipt for that certified mail. Unfortunately, when I attempted to pull the tracking information for that letter this week, USPS reported that the letter had reached XXXX on XX/XX/XXXX, was in transit to the next facility ( your local post office I expect ) XX/XX/XXXX, and they had no information after that. I therefore submitted a missing mail search request. Attached is a copy of todays tracking information. Also attached is a copy of that first letter, on the assumption that you have not yet received it.
Upon receiving my XXXX statement, and seeing that none of the issues I had discussed with your customer representatives on the phone had been resolved, I sent you a second letter by first class mail on XX/XX/XXXX. Another copy of that letter is attached for your reference.
Again, none of the issues have been resolved or even addressed according to my latest statement.
As of my XXXX statement, there were no previous balance.
Into my XXXX statement I made {$6100.00} in new purchases, with a promotional balance of {$5000.00} and non-promotional balance of {$1000.00}.
Between my XXXX statement and XXXX statement I did everything necessary and sufficient to completely pay off the non-promotional balance. Therefore I should not have been charged any interest on the non-promotional balance.
The XXXX statement shows a new promotional charge of {$520.00}, new non-promotional charges of {$330.00}, an incorrect value for new purchases, and incorrect promotional balances.
I called your customer service department, discussed these issues with them, and supposedly things would be resolved.
I again did everything necessary and sufficient to completely pay off all my non-promotional purchases and balance. Therefore I should not have been charged any interest on any non-promotional balance.
The XXXX statement not only continues the above errors, but charged me {$22.00} in interest charges.
I again spoke to your customer service department, and they indicated the issues would be resolved.
I sent my XX/XX/XXXX letter, to notify you in writing of these issues before two statement cycles had passed from the initial errors.
The XXXX statement not only continues the above ( now compounded ) errors, but charged me an additional {$24.00} in interest charges.
I therefore sent you my XX/XX/XXXX letter, describing these issues in full.
I have now received my XXXX statement, which again continues the compounding errors, and again has charged me interest that I did not and do not owe.
Below is the spreadsheet I have used to determine how to correct these issues. The cells highlighted in yellow are the incorrect values from your statement, and the cells highlighted in green are the corrected values.
The XXXX statement incorrectly applied my payment of the non-promotional balance to the promotional balance of the XX/XX/XXXX transaction.
The XXXX statement again incorrectly applied my payment of the non-promotional balance to the promotional balances, and charged me interest on the incorrect non-promotional balance from the XXXX statement.
The XXXX statement then continues these errors, as does the XXXX statement.
My correction lines correctly applies my payments against the non-promotional balances as discussed with your customer service representatives on the phone, and correctly applies the appropriate portion of those payments to the promotional balances. It also reverses the interest that your statements incorrectly charge.
Please make the appropriate corrections within your system.
Thank you.
|
| 09/08/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
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I was approved for {$7500.00} credit furniture XX/XX/XXXX. My purchased totaled {$7200.00}. I still have damaged items and tried to resolve the issue. Still after a year, I have issues and I am getting charged a ridiculous amount for interest. I've had weekly deliveries after spending since the middle of XX/XX/XXXX to refurnish our new house and the delivery/logistics was terrible. The item/s were scheduled for delivery and either the wrong piece was delivered, items were damaged or half of an order showed up and nobody knew what happened. Not to mention, my orders kept getting pushed back further and further without contacting me. As I mentioned, items were scratched and damaged and learned after 2-3 times to refuse the delivery. After 5-6 attempts to correct a few items, missing work and waiting for hours each time, Im hoping to get assistance with this issue.
I thought was great to take an advantage of the XX/XX/XXXX Savings last year with interest free for one year. I'm so disappointed. I have exhausted hours at the store, making sure our house was put together the way I pictured. The store staff were very supportive, assisted me in a timely manner and scheduled the items for delivery. I was sleeping on an air mattress for months after being in an automobile accident. I received a call saying the mattress would be in on XX/XX/XXXX but the mattress wasnt on the truck and only two of my dining chairs showed up. Nobody was aware of anything. After long wait times on hold, I found out the mattress was canceled for some strange reason and now the other chairs were scheduled for XX/XX/XXXX. My daughter and I spent 1 1/2 hours that Saturday trying to resolve the mattress issue and we personally hauled a mattress ourselves from the store thinking since the foundation was coming that afternoon. ( attached pictures ) Nothing showed up. I went back to the store again the next day, waited an hour and made sure the delivery was set again. I received a call from delivery and said I am scheduled and they would be there XXXX. Then another saying the delivery would be here in 10 minutes. After waiting 1 1/2 hours pasted the scheduled window, I called the 1-888 and waited on hold for 20 minutes to find out my item never made it on the track. NO CALL, NO SHOW.
Its beyond ridiculous. I had many attempts to replace purchased items but I still have damaged items and I didnt have any luck with customer service until last month in which XXXX XXXX discounted the three items and credited my account {$810.00} on XX/XX/XXXX for Dining Table, Master Dresser and the King Head Board which I still have.
In the meantime, the finance company, Synchrony Bank has continued charging me interest, late fees even on the items bought on the promotional sale. The letter dated XX/XX/XXXX, Synchrony Bank stated they would apply no interest to the remaining balance.
My monthly statements do not even show the items and amounts as XXXX shows them which is very confusing.
I filed a claim with the BBB and I received a letter from Synchrony stating all of my purchases have been resolved and included signed delivery receipts which only one is my signature. The others were not mine.
I have exhausted so much time trying to resolve this. My last invoice in XXXX now shows an additional {$2000.00} interest for the items I purchased not to mention all of the other interest charges since XX/XX/XXXX.
Estimated Deliveries Dates XXXX not sure of exact delivery dates for other items. XXXX XXXX in incorrect ) Estimated Deliveries Dates XXXX not sure of exact delivery dates for other items. Sales Order in incorrect ) XX/XX/XXXX XXXX Dresser XXXX ( damaged XXXX XX/XX/XXXX XXXX Sofa Table XXXX ( damaged XXXX XXXX Sofa XXXX XXXX Sofa-chair XXXX XXXX Sofa-corner XXXX XX/XX/XXXX XXXX Round Table XXXX XX/XX/XXXX XXXX Side Chair ( XXXX ) XXXX XXXX Console Table XXXX XXXX End Table XXXX XXXX XXXX XXXX XXXX Replaced with the correct XXXX XX/XX/XXXX XXXX Sofa Table Replaced damaged XXXX XXXX Dining Table XXXX ( damaged XXXX XXXX Dining Base XXXX XXXX Dresser Replaced XXXX XXXX damaged again )
|
| 03/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
My very first card with Synchrony was a walmart card in XXXX. I had perfect payment history but at some point they didn't like that I wasn't using it enough so they reduced my credit limit by XXXX bucks with no notice. Notice showed up in the mail 2 weeks after they actually closed the account.
My next card with Synchrony was the Care Credit card in XXXX which was really for medical expenses, dental work or animal vet visits. It had a XXXX credit limit. I used it at the beginning to get some dental work done because I had no insurance. It quickly became my emergency back up card for health issues with me or my animals because I had no health insurance at the time and Synchrony was offering special financing if I used XXXX or more of my credit line. Then my use dropped off and it was about a year or so that I went without using it. I then attempted to take my dogs to get checked out at a vet and my card was declined. I called in to Synchrony only to be told some robotic answer that they tell everyone which is that they randomly check accounts for accuracy and any issues and they said they closed my account due to inactivity. Again, with no notice and my actual closed notice didn't even show up in the mail for 10 days after the card stopped working. Not only did they remove my credit line but my credit score dipped almost 85 points that month. Within 6 weeks of them closing my account with no notice I had several other of my credit card companies that I am a cardholder with and have a good history with, reduce or close my account because of Synchrony closing my XXXX credit line on the Care Credit card. I have never paid late, I always pay more than the minimum and there were numerous times I have paid my balance off in full. I am really disgruntled and furious at this point because I really needed that card and when I called they treated me as if I was a problem to them. That was in XXXX in the middle of the Covid pandemic.
So last year I accepted a Old Navy credit card when I was shopping directly at the store. Little did I know that when I got approved for a credit line for XXXX it was with Synchrony bank. I decided to keep the card because I shop at Old Navy for all my tshirt needs and figured it would be good to keep it for emergencies. 6 months later when they noticed I was using more credit than I usually do they reduced my credit limit by XXXX bucks with no notice to me util it arrived in the mail 13 days later. This also affected my credit score and adversly affected my DTI. It through me over my limit actually and they wouldn't reverse over the limit charges citing that I needed to be more responsible about knowing my due dates and to make timely payments. I was never late, never I have records and they have record to show this. It is ridiculous that they continue to do this to people for what reason?
My question is this. Does paying on time and having no issues with your account mean anything any more? Having it revoked for no reason and with no notice is not ok. That Care Credit card was my only way of paying for health emergencies with me, my husband or my pets and they just ripped it out from under me for no reason. I have cards with credit limits over 10k that I still have and hava n't been revoked with no notice or for lame reasons. I have an amazing job, cars, a very comfortable life and always pay my bills on time so why is it I am being punished for that with Synchrony?
Synchrony clearly plays god with consumer 's credit and I believe they need to be reprimanded for it. If they would have just left me alone I would have been able to buy a house but because they messed with my credit so much I missed out on being able to purchase my first home. The fact is it is because of what they did to my credit that I still am unable to purchase a home I think they should compensate me for that. A year or more of suffering credit because of one move they made. It makes me sick that this has happened. It took me years to get my credit in the 700 's and then just like that they take it all away. Not fair and not right.
|
| 07/22/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have an Amazon Prime Store Card managed by Synchrony Bank. On XX/XX/2023, I called Synchrony Bank on a recorded line because I noticed that there were XXXX charges on my account from XX/XX/2023 totaling {$150.00} that I did not want charged onto my Amazon Prime Store Card. Unknown to me at the time, my Amazon Prime Store Card was set up as my default payment method on Amazon -- a setting I have changed since then.
The reason I did not want to use my Amazon Prime Store Card for the charges on XX/XX/XXXX is because they would be considered " non-promotional '' balances subject to an APR north of 27 %.
In my call to Synchrony Bank on XX/XX/XXXX I made it clear to the representative that I did not want to accrue any interest on the XX/XX/XXXX charges, and offered to make a payment of {$150.00} specifically to cover the non-promotional balance. The rep indicated that if it was my intention to pay off the non-promotional balance, it would be best for me to wait until XX/XX/XXXX. The reason is I had an auto-payment of {$100.00} also coming due on XX/XX/XXXX, and if I made the additional payment early, it would cancel my auto-payment. Specifically, the rep instructed me to wait until my auto-payment of {$100.00} posts and then to call the same day to process the additional payment of {$150.00} to cover the non-promotional balance.
On XX/XX/2023, I called Synchrony Bank again on a recorded line and processed the aforementioned transaction. The rep I spoke with at the time confirmed that the {$150.00} additional payment I was making would be allocated to the non-promotional balance so I would not be charged any interest going forward.
After processing the additional payment of {$150.00}, I also opened up a message thread on Synchrony Bank 's Customer Service website to document my intentions in paying off the non-promotional balance.
Unfortunately, the {$150.00} was not allocated to the non-promotional balance. It was allocated to promotional balances that carried 0 % interest. As a result, every month for the past 4 months, my promotional balances which carried 0 % interest shrank drastically, and my non-promotional balance which carried 27 % + interest remained largely unchanged. This is an abusive practice that ensures customers continue to pay as high an interest rate as possible on as large a non-promotional balance as possible.
Every month for the past 4 months, I notified Synchrony Bank via the message thread that my non-promotional balance was still open and I was being charged interest. Every month for the past 4 months, Synchrony Bank assures me that they will review their records and that it may take up to 2 billing cycles to resolve the issue.
It has been far longer than 2 billing cycles, and Synchrony Bank has still not resolved this issue. At this stage, Synchrony Bank is telling me that they can not re-allocate the {$150.00} additional payment because I should have provided instructions on how to allocate a payment within 60 days from when the payment was made. I provided Synchrony Bank with clear instructions on a recorded line on how to allocate the {$150.00} at the time I made the payment -- this is well within 60 days from when the payment was made.
I believe Synchrony Bank is unnecessarily dragging out this issue. From a very early stage, I contacted Synchrony Bank and made my intention to pay off the non-promotional balance very clear. Pursuant to their instructions, I processed an ADDITIONAL AGENT-ASSISTED payment of {$150.00} on XX/XX/2023 specifically to ensure my non-promotional balance is paid off. The fact that my additional payment was taken, but my instructions on how it should be allocated were not honored, is quite frankly, exploitative.
Against my instructions, they took the additional payment I made and allocated it to balances that do not accrue interest, while leaving balances that accrue interest intact. This is a predatory practice. It ensures even though I make additional payments, I continue to pay as high an interest rate as possible on as large a balance as possible.
|
| 06/09/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I was interested in purchasing a product called XXXX via their website XXXX. I called XXXX to see if they offered any financing options ; and I was told the only financing options offered were through Pay Pal. In order for me to receive any Pay Pal options, I had to sign up for an account. On XX/XX/2021, I signed up for a Pay Pal account. After I went back on the XXXX website which opened up to another link XXXX to try to checkout and see what payment options were available to me. I clicked on the Pay Pal option, I signed into my new account ( which is another website that opens via Pay Pal but referencing XXXX XXXX ) and then was given the option to checkout by paying with either : ( 1 ) adding a debit/credit card ; ( 2 ) via Pay Pal by paying 4-payments interest free {$98.00} due every two weeks ; and ( 3 ) Pay Pay credit - 6months interest free, with {$20.00} off a purchase of {$99.00} or more upon approval of credit review. I choose the Pay pal credit option, which opened up a new window where i could apply for Pay Pay credit. I inputted the information requested and within a minute I was approved. I received an email from Pay Pal confirming my new account. And I received an email from Pay Pal Credit welcoming me to Pay Pal credit and giving me details on the account. I reviewed my Pay Pal account, added Pay Pal credit as my preferred way of payment, added my debit card as a second form of payment. I accessed my Pay Pal credit account and reviewed my account and available spending limit. I went back to the PayPalXXXX checkout page I had opened, and tried to purchase the XXXX but this time the option to pay via Pay Pal Credit was no longer there. The only options available to pay were : ( 1 ) My debit card ; and ( 2 ) Pay Pal by paying 4-payments interest free {$98.00} due every two weeks. I called the merchant ( XXXX ), and they told me to email their IT support department. I emailed them informing them about my issue. I received a response telling me I needed to reach out to Pay Pal Credit because Pay Pal Credit was enabled on their part. I called Pay Pal credit and informed them about the issue ; and they told me they would transfer me to a department that can better assist me. I got transferred to Pay Pal, I spoke to a representative who told me that he noticed that my account was blocked by their Risk Assessment department for an unspecified reason. He said as of XX/XX/2021 at XXXX a block was placed on my account, and the block would be lifted in 24hours and after that i shouldn't have any problems. On XX/XX/2021, I tried to purchase the XXXX product again but still the same problem, I called Pay Pal credit on XX/XX/2021, and the representative told me that everything seems to be fine on her part and asked me put my account number in manually by adding it as a credit/debit in the checkout option in the PayPal/XXXX checkout page, but that didn't work. She then gave me Pay Pal phone number, and transferred me to them. I spoke to a representative named XXXX, and told her what my issue was, she placed me on hold, and then hung up on me. I called back and told this representative my issue, and the representative told me this time that Pay Pal credit sent this to a security department and that they won't allow the purchase to go through and can not override it. Also, that i would need to pay another way. And I asked her if i can be transferred to their security department and she said " that they're so good of a security department. '' I asked her " why give the option to pay with Pay Pal credit for this product XXXX and induce me apply and be approved if i won't be able to pay with it? She responded with the same information about the security department blocking this purchase. Later, I looked over what merchants accept Pay Pal Credit included in the welcome Pay Pal credit email, and i tried to make a purchase from those merchants using Pay Pal credit and the same issue, I am only getting the option to pay with my ( 1 ) Debit card or ( 2 ) Pay Pal by paying 4-payments interest free {$98.00} due every two weeks.
|
| 06/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Previous Complaints ( s ) - # XXXX The response by the Bank from my last complaint did not change the situation. The date of clearance of the payment to Synchrony Bank, by XXXX occured on X/XX/17. The payment was made, in full, before the due date of X/X/17 for {$500.00}. The payment was made via the Synchrony payment site, and presented that evening to XXXX, which cleared the ACH Debit, that night. The Fed has changed the law in which the time a bank has to clear a monetary transaction between financial institutions to 48 hours. It will change by the end of the year to 24 hours. XXXX already follows the Fed rule, which will be applied later this year, so they cleared it by the next business day. This rule was enacted by the Fed, in part, to control a bank 's ability to use float as a way to have a reserve of dollars to fund other bank activities, such as making loans with float funds. I had to call Synchrony customer service on X/XX/17 to request the credit be restored. That is the first date in which, only by calling them, would they release the funds. Per the last response by the Bank for the complaint filed on X/X/17 by me, I followed their instructions to the tee. I left a message for XXXX XXXX on Thursday, X/XX/17, which was not requested, but as a safety gap. I faxed the materials requested by Synchrony on X/XX/17 as outlined in their response to my complaint. I did not receive a return call from XXXX XXXX until X/XX/17. The funds had been released earlier in the day before XXXX XXXX called due to the call I made to their customer service area a few hours before. From my understanding their response to my complaint was to credit my funds the day after they were paid by my financial institution, XXXX. I worked at the XXXX XXXX as part of the XXXX XXXX for some time, and the response as to why the payment does not result in making available the payment to my available credit is not correct. XXXX XXXX during our call on X/XX/17 stated that Synchrony was not prepared to change their float policy at this time. The reasons stated, a stop payment could be made, XXXX would not stop payment on a debit that has already cleared, their system would prevent that. If by chance they made a mistake, that would be their loss. Fraud was also mentioned. Fraud would have to be detected by XXXX before they paid Synchrony, again, if that is not accomplished by XXXX, it it the responsibility of XXXX 's fraud department to resolve the issue. If they do not/ can not resolve the issue, then they are responsible to charge THEIR fraud account, not Synchrony. Either Synchrony Bank does not understand Fed policy, or they choose not to. This is a float issue, plain and clear. If the CFPB can not resolve this issue with Synchrony Bank, which is to, after one business day, have my available credit reflect the payment I made, then at the very least CFPB should update their information resource database which consumers can view, to clearly state that Synchrony Bank does make the payment a consumer has made on their credit card account in a timely manner. All major banks credit a payment to a consumer 's credit card balance no later than 48 hours after receipt. With a large number reflecting the payment as it relates to available credit, within 24 hours. CFPB, if Synchrony Bank will not expedite the crediting of my payment as it relates to available credit in a timely manner, then forward to me the link, from your database that clearly spells out this policy to consumers so they can make an informed decision in deciding on which credit card to apply for. I look forward to a timely response due to the length of time this complaint was originally made and is still not resolved. Attached are screen shots of when the payment was made on the Synchrony payment site and a shot of my XXXX account as it relates to the day it was paid. Both documents are in the file attached. There is only one file with both statements in it. One from XXXX and One from Synchrony. Regards, XXXX XXXX XXXX XXXX
|
| 10/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX, our dog had surgery. We paid XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} with my Care Credit card. They are providers for Care Credit and the purchase was eligible for XXXX months no interest so we accepted those terms.
On XX/XX/XXXX, I called Care Credit to make a payment of {$1800.00}. I had XXXX active promotional purchases on my Care Credit account at that time and was instructed by a Care Credit representative to call in payments to make sure they were allocated how I wanted them otherwise they would automatically be put toward " general '' purchases to " help me avoid paying interest '' so I was told. My 3 active promotional purchases were as follows XXXX ) {$700.00} expiring on XX/XX/XXXX, XXXX ) {$610.00} expiring on XX/XX/XXXX, and XXXX ) {$2500.00} due on XX/XX/XXXX. When I called my {$1800.00} payment in I requested that the {$700.00} purchase be paid of completely, the {$610.00} be paid off completely, and the remaining {$470.00} be applied to {$2500.00} purchase leaving a balance of {$2000.00}.
On XX/XX/XXXX, I checked my account to find my payment applied incorrectly. {$140.00} of the payment had been applied to the original {$700.00} leaving a balance of {$560.00} and the rest had been applied to " general '' purchases on the account. I called to have it corrected.
On XX/XX/XXXX, my account was finally correct online. I had XXXX remaining active promotional purchase and the balance was {$2000.00}, and that was accurate.
On XX/XX/XXXX, we had a recheck at the veternarian 's office and they refunded my Care Credit Card {$250.00} which should have applied to the {$2500.00} because we overpaid for her XXXX.
On Tuesday, XX/XX/XXXX, a promotional purchase that had been paid off with the {$1800.00} reappeared on my account so now I showed XXXX active promo purchases. XXXX ) {$140.00} due XX/XX/XXXX and XXXX ) {$2000.00} due XX/XX/XXXX. The refund of {$250.00} was applied to general purchases instead of her surgery ( the {$2500.00} purchase ) which is why we were owed a refund.
I called Care Credit MULTIPLE times trying to correct this. I am being told that I need to wait XXXX billing cycles for the account to be corrected, but I am required to make a payment every month in order to keep my account in good standing and I need to make at least a {$300.00} payment every month to make sure I pay off the promotional balance in time. I do not feel comfortable making payments on an account that is wrong.
I called Care Credit on XX/XX/XXXX and was able to speak to an account XXXX who listened to me and said she was making notes and sending everything back to the billing team to correct the account. She requested that an email be sent to me letting me know when the account was corrected. She told me to check my account in XXXX weeks. Upon checking my email and receiving a letter that my payment was allocated as I requested, I checked my account to see if it in face was correct ( XX/XX/XXXX ) and my account is even more incorrect than it was before.
I now have XXXX active promotional purchases again.
XXXX ) {$140.00} expiring XX/XX/XXXX XXXX ) {$1700.00} expiring XX/XX/XXXX XXXX This amount is finally correct* XXXX ) {$250.00} expiring " until paid off '' The refund is now showing as a purchase that I owe for. How this happened... I have no idea.
I called Care Credit again, and they told me that I need to continue to wait until my next statement comes out and there's nothing they can do right now. I can not make another payment on this account until it is accurate, and I have another payment due by XX/XX/XXXX. I made the {$1800.00} payment on XX/XX/XXXX so we are going on a month of the account still not being accurate. This is unprofessional and designed in a way to prevent consumers from paying off their promotional purchases in time therefore owing Care Credit deferred interest. I am making my payments by phone the way they requested and they are still not being applied to the promotional purchases correctly. They are doing everything they can to ensure that I end up owing interest.
|
| 03/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
PayPal ( PP ) notified me via email I had a negative balance of {$5000.00} with no explanation.
I attempted to get information via PP customer service chat and was denied any information.
I called PayPal Credit ( PPCredit ) days later guessing they may have information. They could see the transaction amount, but saw nothing wrong. They forwarded me back to PP Investigations and Regulatory Dep saying they couldnt fix the issue and only PP could.
PP Investigations told me I was refunded twice for a dispute. One by the merchant and one by PPCredit. He refused to assist me in having the account fixed property and instructed me to pay or contact PPCredit. He was rude, I lost my temper and asked for a manager.
XXXX XXXX was similarly no help. She claimed there was no way to speak with PPCredit to mediate a better solution and claimed she didnt have a supervisor or anyone to escalate to issue to.
I called PPCredit back and shared what I was told by PP. They explained to me after a review of my account and a conference with their manager that PP had made an error and needs to solve the issue with the merchant, not apply a negative balance and not restrict my account. Their position was that PP needs to follow the proper policies and not make it my fault.
I called PP back and shared this information. The customer service agent said my dispute with the vendor was denied originally because the merchant sent a refund on their own on XXXX XXXX therefore PP had made a mistake issuing a second refund. I was forwarded to speak with PP Chargebacks department which unfortunately was Investigations again. I was run around in circles again by XXXX XXXX. I explained I was being unfairly bounced back and forth between PP and PPCredit and that they needed to contact each other and get on the same page to properly adjust my PPCredit account. She told me she was going to put me on a three way call with PPCredit, but it was a lie to attempt to get me to admit to something I was never denying in the first place and then began talking in circles again. I lost my temper regarding the lie. After requesting a manager I was hung up on.
I later decided to give PP Credit another try. After explaining the entire situation again the account specialist reviewed my situation saw that there was an accounting mistake made and explained he was going to conference with an accounting department to fix the issue retrospectively to XX/XX/XXXX. When he returned he explained Accounting wouldnt help after all and suggested I initiate a dispute with PP online resolution center. So yet again I was being bounced around with no real results. I got him to admit he was an offshore third party contractor paid to be an account specialist for PP Credit and not an actual employee, but he could connect me to an onshore representative who actually works for PP Credit.
I was transferred and spoke to a very unhelpful, rude representative. He transferred me to a supervisor as he was no assistance and stated the problem could only be addressed by PP. His manager claimed that she started a dispute to the back office team and it would take 1 to 2 billing cycles. She stated there was no one else I could escalate to and I ended the conversation.
Every representative claimed they couldnt solve the problem and I needed to call the other company. Its clear together, these customer services are designed to only discourage customers and create and attritional response from the customer to force PPs agenda.
My PayPal and PayPal Credit accounts have been restricted and PP keeps sending emails for debt collection.
PayPal Credit needs to adjust the account retroactively at the time their error was made and reestablish my account as it should look and cancel their request to PP to aggressively collect.
This isnt the first time funds have been inappropriately applied from the PP Credit to my PP account.
Id like to be contacted by PP Corporate and or Synchrony Bank who owns PP Credit at this point, since customer service agents are unable to affect an appropriate outcome.
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I opened an account with Lowes, also known as as Synchrony, in XXXX of XXXX. I was approved with a {$2000.00} credit limit. I accepted the offer with 0 % interest for 18 months. I used the card during XXXX and my first bill came in XXXX. The bill was due XX/XX/XXXX and it slipped my mind and I paid the bill on XX/XX/XXXX, asking to please give me a forgiveness so I did not mess up the 0 % APR. They would not. The next bill came around in XXXX, and I made the payment - XX/XX/XXXX {$36.00} ( minimum payment ) and paid a {$30.00} late fee. My XXXX bill had a balance of {$390.00} and a statement saying I had auto pay set up for {$60.00} on XX/XX/XXXX- however whats reflected on my account was a {$23.00} payment and {$41.00} late fee. ( My bill was due on the XXXX ). I went on the chat and got all of this fixed. I started paying the minimum monthly payment. When I recognized the first auto payment did not go through, I paid {$100.00} immediately to the account. I went on the website again to set up autopay AGAIN and everything had finally got ironed out. Thinking I was being credit responsible, I had a {$530.00} balance, as of today and a thought a {$2000.00} credit limit. My XXXX bill was unable to be downloaded on Synchronys website ( that shows my credit limit of {$2000.00} ). However, I was able to find my paper statement from XXXX and I did reach out to Lowes on XX/XX/XXXX and ask for the three statements from XXXX. I was told it would be sent within 14 days. On the XXXX statement, it says the auto payment for XXXX was set up to be paid XX/XX/XXXX for {$60.00} - my entire balance was {$390.00}. The statement shows my line of credit as {$2000.00} per the agreement. Again, I thought this was helping my credit and credit card utilization. In XXXX, I received my statement. My balance in XXXX was {$730.00} and my credit limit was shown as {$760.00}! Much different than a {$2000.00} limit. I went to make a purchase tonight XX/XX/XXXX and it declined my purchase? I looked up my account and my credit line showed {$760.00} and my balance was {$530.00}. It shows that I am utilizing 77 % of my credit line, when I think I am being responsible! I have received notices that the autopay has been going through as expected and I have not made any extensive purchase between XXXX and XXXX. I believe this is fraud and misrepresentation. I asked for them to up my limit back to {$2000.00} as the agreement was made. I would have never taken a hard hit on my credit report for a credit card of {$760.00}. It affects my credit score in an undeniable way. My first thought was to completely pay the entire balance, however I did cancel that. My limit should have never been dropped down to {$760.00} without my knowledge! I have worked so hard on my credit and I am appalled that someone who is trying to be financially responsible has to go through issues such as this! I did set back up my auto payment for minimum balance per month. However, this entire situation is not right. First, to take away the 0 % APR. Then, deny my request for a credit increase, why would they give me an increase when it seemingly looks like Im utilizing 77 % of the cards limit, but should only be utilizing less than 25 %? I just received a {$6000.00} yearly annual raise. This is not right. I do think there is a way to get the consumer protected from instances such as this. I understand the economy is taking a hard hit, but do not hit the consumer in the process, especially the ones who are paying their balances! Its making a negative impact on our scores that does help us make it through hard times, as well. I am hoping that this can be resolved, my credit line return to {$2000.00}, per the reason I accepted the credit card was in case I needed to purchase appliances for my elderly mother and it fix my credit card utilization. I will not stop until the credit line is fixed and correctly indicated on my credit report! I have a care credit card through Synchrony as well, that I have a {$0.00} balance on. I am credit worthy and responsible. Thank you for your time.
|
| 06/04/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I recently obtained a store credit card for Ashley Furniture, underwritten by Synchrony. While on the furniture store 's website https : //www.ashleyfurniture.com/cart/, it offered preapproval for the Ashley Advantage card in which purchases can be financed with XXXX interest if paid off in full by a specific date. So when I clicked on the option for the financing, I was redirected to the bank 's site https : //etail.mysynchrony.com/eapply/eapply...
I was approved for a credit line and subsequently received the physical charge card in the mail. I activated the card over the phone and was referred to the Synchrony bank site to explore special promotions as recommended by the automated activation phone system.
When i went to the bank 's website at https : //www.mysynchrony.com/cmp-index.html? market=homefurnishings & store=ashley, i was pleased to XXXX the perks specific to card holders, including XXXX RewardsXXXX XXXX XXXX and something called " XXXX XXXX '' So on Tuesday XX/XX/22, I went shopping for my Tuesday deal. However, there was no navigation available for any of the deals offered on either the bank 's website or the store 's. Since it was Synchrony that advertised the promotions as an incentive, and with no other place to turn, I commenced an online chat with a Synchrony representative named XXXX XXXX XXXX XXXX had no idea what I was talking about when I asked how to find the XXXX XXXX. After more back and forth, he recommended the Ashley deals website while on the chat and directed me to https : //www.ashleyfurniture.com/coupons-deals-and-offers/ for the XXXX XXXX I reported back to XXXX that there is nothing mentioned regarding XXXX XXXX, to which XXXX replied XXXX " In that case. I would suggest you to contact website provider customer service as they will be able to check on your request further and help you with the Tuesday sales update. '' I reiterated to XXXX that it's not a store deal, but that the XXXX XXXX was advertised on the credit card application as an incentive and cardholders exclusivity. XXXX later reasserted that " I have checked on your request and I see that the offer is with respect to Ashley advantage card that is issued and handled by Ashley stores services. For Ashley advantage card XXXXy offers are provided which is handled by store directly. '' However, as I mentioned, there can be nothing found on the store 's website about this XXXX XXXX. When I explained again to XXXX that its not on XXXX 's, but rather the Synchrony website specifically promoting this as a cardholder perk, XXXX replied, " I would like to confirm again the offer is provided by merchant and is just providing information regarding offer offered by merchant on synchrony website. As intelligible as his last statement was, XXXX further stated that his Supervisor agreed with this statement as well.
This, at the very least, is misleading by definition. Secondly, the Synchrony rep is falsely placing the onus on the merchant, while at the same time admitting its advertised on their own web page. This logic is ludicrous, because anything that Synchrony chooses not to honor, they just pass the buck to the merchant. By this logic, they can say anything they want, be it true or false. To date, neither Synchrony nor XXXX 's can direct me to where I can find the " XXXX XXXX '' Needless to say, I am not satisfied with Synchrony 's explanation whatsoever. I asserted toward the end of the chat with Synchrony that I would be filing an official complaint ( for misleading information ) and requested a copy of the chat log ( which I have on file as an unedited addendum that supports my claim ). In the end, XXXX stated to me in what appears to be a canned reply, " I have already raised your concern on our end. I'm sure our back end team will look into this issue and will make sure the information is more brief for clarification. '' I find this assertion to be mere insincere rhetoric, because XXXX did not advise me how I could follow up on this or if anyone would be contacting me with findings or more information.
|
| 05/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
The Company redirects my statements for the SECOND time, not knowing that there were charges on the account which lead to them gaining about XXXX XXXX dollars ( {$7000.00} XXXX in interest and late fees.
I am a widow, now retired, and had to help XXXX kids in college after my husband passed in XXXX. They were all authorized users on many of my credit cards because I found it so easy to pay the bills when it comes ( they were never abusive ).
The card of nightmare is a Banana Republic card. My kids were able to shop for clothes and I pay the bills ( as adults they would put the cash in my account ).
I do have many cards so that made it easier for me to pay by a statement in the mail ( if there is no statement I would think there was no charge, and this worked until XXXX when I place an order with the Banana Republic and asked them to transfer me to the card company - I used that account for all their stores online, and I do not shop there personally because they are for younger folks- my grand kids included ). I discovered the HIGH balance, how far back it goes, interest rate changed, but also that the statement was not coming to my legal address for years. They refused to wave any fees, etc only to start sending the statements to the correct address ( they were sending it to my son 's address which was in XXXX- he never lived with me while he was in XXXX ).
I had to get a loan and paid them off immediately because I realized the amount of money wasted in interest alone. I decided to call them on XX/XX/XXXX ( because I wanted to be sure that the card was not been used ) since XXXX, only to be told that they sent me a notice that states if I don't respond the statements would be EMAIL only. I then understand that there was a rolling balance and an interest of 29 % is been accessed monthly, she would waive all fees and mail me all statements. I did advise her I did learn well from my experience in XXXXand their documentation is not what we would do at the finance company I worked for.
On XX/XX/XXXX I called because I know payment is due- I did not receive the statements. I finally got a Supervisor who took the minimum payment to avoid a late fee, which would give me some time to pay off the balance before Interest accrues ( he even document the account advising the agreement ) On XX/XX/XXXX I called ( the funds were credited on XX/XX/XXXX, and i over paid by at least {$1000.00} - i had no documents to work with. I requested the amount to be sent to my checking account, she said normal procedure is in the mail but she would submit it for review, and she would request a supervisor call.
On XXXX I called to let them know that I did not receive the funds, only to discover they will only waive one interest ( if I was getting the bill I would pay on time- in full, then get the money back from my son ), the supervisor hung up when I started asking her questions. That night I wrote to Mr.XXXX XXXX- through XXXX XXXX, I was only hoping to get my money expeditiously, because i took a balance transfer loan ( I had to pay 6 % fee- my intention was to return that portion to the bank -it would save me some money ).
On XXXX I was cutting my grass, up on arrival inside I realized I missed a call from XXXX at XXXX x XXXX.
I have been staying home everyday and walking around with my phone, waiting on her return call ( I called her back immediately and left a message, letting her know that I missed her call ). I had no choice but to think that she could have sent me the money and this was why she didn't call back.
I just called Syncrony Bank only to find that the credit card still have a credit balance ( I also over paid at XXXX XXXX, I called them late on XX/XX/XXXX when I checked my account online on XX/XX/XXXX the funds were posted ) I am a retired widow living on limited income, this is the second time that Synchrony Bank stopped sending me statements, and I never moved or ever ask for anything different from how all other lenders do business i am only trying to do the right thing always.
Sincerely XXXX
|
| 07/19/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
It is my belief and experience that Synchrony Financial is intentionally delaying their payment processing of my XXXX credit card so that a significant percentage of their account holders will incur late fees. Three times this year I have incurred late fees from Synchrony, and overdraft and return payment fees from my bank because of their payment processing procedures. On their payment site it says that it may take 2 days to process the payment, but it has frequently taken 5-7 days for payments to be processed which has led to my payments not being withdrawn from my bank account in a timely manner. I am currently undergoing a period of financial stress so I budget my money very tightly. I get paid on the XXXX of each month and the FIRST thing I do is schedule a payment with Synchrony so that my CC account will be paid before I spend any other money from my bank account. I then consistently receive a confirmation of payment received from Synchrony 2 days later. I live in a rural area and do n't have the ability to or reliable phone signal to be able to check my bank for transaction history every day or hour waiting for payments to come through so I usually wait 3-5 days before spending what small income I have in my bank account just so I can reasonably assume that my credit card payment has gone through. When they send me a payment receipt confirmation I figure that I can reasonably assume that they have received my payments. This is a very misleading practice they are doing and I have been caught out 3 times this year having to pay fees to Synchrony and my bank, fees which I can not afford. The main reason I believe they are doing this intentionally to incur fees upon their account holders is that they do not offer immediate payment processing options such as payment by debit card, they only allow payments to be made by bank transfer, which always go through for payments to other companies I pay by bank transfer within 1 or 2 days. With Synchrony there is no reason that it should take 5-7 days for a bank transfer to be processed. This is clearly a delayed payment processing scheme that this bank employs. I have seen on several internet forums that there are MANY other people that are having similar complaints with payment processing and fees being incurred by Synchrony Financial. After spending 2 hours in a chat session with their overseas customer service agents who refused to give me their real names or refer me to a supervisor contact person in the United States, this person nicknamed XXXX agreed to waive the {$35.00} late fee and credit me the {$26.00} overdraft fee that my bank charged me. At least that is some consolation, but does nothing about the other times they have charged me fees and my bank account is still charging me fees on a periodic basis for being overdrawn, because I can not make a deposit to cover the overdraft until I get paid on the XXXX of the month. These payment processing procedures of this bank is causing me a great deal of distress and financial hardship. If this is the case for me, I 'm sure it is also the case for many other of their account holders. When I notified them that I was going to make a complaint to the FTC they sent me a notice cancelling my account stating " a number of dishonored payments '' WHICH THEY CAUSED as the reason. I hope with this complaint you will recognize that for this one complaint there are probably hundreds or even thousands of people who do n't make a complaint that are also being affected and being caused hardship by Synchrony 's payment processing practices and lack of ability for their account holders to process payments immediately. I sincerely hope that you will investigate into this. It seems we live in a time where banks can do anything they like acting with impunity knowing that the US government is on the side of the banks and not the consumers. I hope you will prove me wrong. It boggles my mind to think of how many XXXX of dollars they have collected in fees from consumers because of their payment processing procedures.
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
SYNCB/PPC XXXX XXXX XXXX XXXX, PA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SYNCB/PPC you are furnishing inaccurate information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Duty : A moral or legal obligation ; a responsibility Accurate : correct in all details ; exact Prohibition : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of this account as a debt is inaccurate.
15 USC 1681 S-2 says YOU SYNC/PPC are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information. Cease and desist the reporting of incorrect/inaccurate information immediately.
15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( A ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on notice that you are furnishing incorrect/inaccurate information.
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in Chapter 1.
The above paragraph is taken directly from the IRS 2021 publication.
Send me my FORM 1099-C which you should have sent to me when you filed this account as a canceled debt.
XXXX XXXX XXXX XXXX, MD XXXX XXXX5 U.S. Code 1681 S-2 ( a ) ( 1 ) ( B ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In Conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this information is a clear violation of Law 15 U.S. Code 1681 S-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report You have 10 calendar days to delete this account from my consumer reports!
SYNCB/PPC ACCOUNT XXXX XXXX
|
| 05/29/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Dear CFPB, I was diagnosed with XXXX on XX/XX/XXXX. I immediately contacted Synchrony Bank to inform them that it is a possibility that I may fall behind on my bills until I could get my FMLA and XXXX insurance funds. I was unsure of when I would get funds so I did not request a payment plan. I have always paid my bills on time. I did not want to make false commitments I accepted whatever interest payments would be added onto my forthcoming bills. Payments were missed for XX/XX/XXXX and XX/XX/XXXX. For the record my bills are due on the XXXX of each month. On XX/XX/XXXX, I called Synchrony bank to make a payment as my XX/XX/XXXX bill stated I owed {$690.00}. I paid {$700.00} to get my account up to date. Moving forward I began to pay my bill on time.
In XX/XX/XXXX I noticed that a charge of {$180.00} each month has been taken from my account since XX/XX/XXXX. This means they withdrew three extra payments of {$180.00} in addition to the {$700.00} I had already paid and I was making my monthly payment as well. This alarmed me tremendously. I immediately called Synchrony Bank. I was told that there was no information on my account at that time and I had to call back. I called back the next day to see if they have updated their system to see if we can discuss these unauthorized payments that have been coming out of my account. I was then informed that I had agreed to a payment plan. This was not true. I couldnt have possibly made a payment plan, as previously mentioned I did not even know when my insurance funds would be dispersed. And with COVID 19 happening I was unsure of my work situation. Furthermore, I was making my monthly payments during the months that they were withdrawing the unauthorized funds. If I made a payment arrangement then why would I pay additional monies to satisfy my monthly bills? If a payment arrangement was made then why did they not send the monthly bills that reflected the bill due of {$180.00}? After my conversation with Synchrony Bank I then contacted my bank, XXXX XXXX, to explain the situation. XXXX XXXX agreed that this situation was egregious. On XX/XX/XXXX, XXXX XXXX concluded their investigation and put a stop payment for Synchrony Bank and returned all unauthorized payments to my account. Additionally, Synchrony Bank also acknowledged their error and they removed the three {$180.00} debts from my file.
During the month of XX/XX/XXXX, I decided to make additional payments so that I could pay my bill up much sooner to try to avoid additional fees that would be occurred by the deferred promotional interest. I made a payment of {$150.00} and {$130.00}. I realized that I had not canceled the stop payment and immediately called Synchrony Bank to correct that mistake. Synchrony Bank notified me that those payments were returned. I then made a payment of {$260.00} with the representative and that payment was successful.
Finally, after enduring so much adversity in dealing with this situation, I received a notice from Synchrony Bank stating that they have decided to close my account due to dishonored payments on my account. This would mean that my account is going to be charged off. All of this started because they started taking out unauthorized payments and did not want to discuss when I called. I am suffering from XXXX, trying to avoid Covid during my recovery. This is has been very distressing. This has and will continue to tarnish my credit history. This will potentially limit my purchasing power and may cause grave financial hardships. I have had exceptional payment history with all my accounts up until this point. I am requesting CFPB to investigate further into the following incidents : Unauthorized withdrawals from my personal bank account, and The unfair closing of my credit file P.S. I am waiting for my bank to mail me additional statements when I get them I will also upload into system. ( Synchrony Bank/ Care Credit ) is the financial institution this complaint is about.
I greatly appreciate any assistance you may provide in these matters.
|
| 07/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
About me ... during the application, I had a XXXX credit score from XXXX, no delinquincies, no debts, and a net income in the $ XXXX range.
-- -- -- -- -- -- -- I received the two attached letters and called the phone number as requested in the first letter dated XX/XX/2019 to confirm my contact information on the application and the denial letter dated XX/XX/XXXX states they used credit bureau information but failed to disclose which credit bureau was utilized even though the Federal Equal Credit Opportunity Act legally requires such disclosures.
-- -- -- -- -- -- -- The first letter included a phone number XXXX to call, but it only led to a secretary who simply confirms the info on my application ; she was not a credit analyst or senior underwriter. This first letter may be an attempt by Synchrony to claim that they tried to work with me, but the phone number they provided was only to confirm all the contact info on my original application and no further questions or documents were requested. This is not a sincere attempt at verifying me.
-- -- -- -- -- -- -- I have took it upon myself to verify my credit reports information, my information from the social security office, and ordered a verified and non-verified XXXX consumer report on myself and have concluded that my data is verifiable.
-- -- -- -- -- -- -- The stated reason for denial was because they were unable to verify my social security number, address and phone but does not specify which database they were unable to verify my identity with, however, the Federal Equal Credit Opportunity Act legally requires specific reasons for denial, but the denial letter is too vague. I tried talking to two different representatives about this, but they were unable to help any further and told me to just reapply. However, I took special notice that the hard inquiry made from this credit card application resulted in a 14 point decrease in my credit score which makes reapplying not a reasonable option.
-- -- -- -- -- -- -- The second phone representative and other internet sources confirmed that they use an automated computerized system to verify identities of applicants. Other credit analysts explain that using non-human systems may result in errors because computers may be unable to recognize the different ways that a same address can be written ( i.e. unit XXXX vs apt XXXX, apt # written on the first line vs on the 2nd line, apt # written on the same line as the street address, etc ), therefore, the system will flag the address as not matching even though it is a match. Also, the address on my application is only three months old and the problem with XXXX 's credit card application form is that it does not ask for previous addresses in case an applicant 's current address is too new. Regardless, my current new and old addresses are both listed on my credit reports, in the IRS system, DMV system, both XXXX reports and Synchrony has successfully verified that I received their letters to my address so it's not possible to claim my address to be unverifiable.
-- -- -- -- -- -- -- As for my social security number, they are verifiable through all three credit bureaus, social security office, DMV, both XXXX consumer reports, and IRS. Therefore, being unable to verify my SSC # is not a legitimate reason as I have copies of documentation from these sources. ( I was told Synchrony does not purchase updated databases often enough to verify identities so they may be using old information on people and if so, this is not a legitimate reason to deny applicants if Synchrony is using old databases to verify people. They should be keeping their packages on consumer reports updated. ) -- -- -- -- -- -- -- As for my phone number it is verified on my XXXX credit report and they can call or text me anytime to test it. Also, the law states that " When Deciding To Grant You Credit Or When Setting The Terms Of Credit, Creditors May Not ... Consider whether you have a telephone account in your name. A creditor may consider whether you have a phone. ''
|
| 07/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
JC Penny credit card Summary : The credit card company and its collection agency refuse to provide verification of the debt they claim I owe but continue to insist I make payments. In response to my inquiry, they sent incomplete information that does not show all payments made and the total due on the document they sent does not correspond to the amount they claim I owe. I have sent numerous letters and had numerous phone conversations and they still refuse to provide debt verification documents.
Details : Due to unforeseen expenses, I fell behind in credit card payments, including JC Pennys. Penny/Synchrony sent my account to XXXX XXXX XXXX for collection. See attached XXXX form dated XX/XX/XXXX ( Atch 1 ).
I made payments to XXXX for a year, then received correspondence from XXXX XXXX, dated XX/XX/XXXX ( Atch 2 ) that my account had been placed with XXXX for collection. I did not receive any notice from XXXX, Synchrony, or JC Penney that my account had been sent to another agency. The XXXX form included a balance due that appeared extremely high and I called XXXX on XX/XX/XXXX to discuss this amount. XXXX rep. XXXX XXXX told me the record showed my last payment was XX/XX/XXXX ( acknowledgment of payment made to XXXX - Atch 3 ). I said I made a payment in XXXX ( Atch 4 ). I called back on XX/XX/XXXX and spoke to XXXX XXXX ( XXXX ). She also said no payments had been received. On another occasion, I talked to XXXX rep XXXX XXXX who said they would get a record of payments from their client and send to me. XXXX said I should wait until he gets the information before making more payments, and that he would call me. I also talked to XXXX XXXX XXXX on XX/XX/XXXX who told me the client had not yet sent the records ( contemporaneous notes Atch 5/1-2 ). On XX/XX/XXXX I went ahead and made a payment ( Atch 5/3 ).
When I received the information that was supposed to verify the balance due, the package was nothing more than copies of old Pennys bills. The last Pennys bill showed a XXXX balance and payment due the previous year ( XX/XX/XXXX ) of {$950.00}, considerably less than the balance claimed by XXXX ( Atch XXXX ). No records of my payments in the interim, including payments to XXXX Business Services were provided. I contacted XXXX and was told this was all the information they had. I asked about my payments to XXXX but they said they could send me only the documents that Pennys provided. They ignored my claim that I had paid XXXX for a year then started sending notices to make a payment.
On XX/XX/XXXX, I wrote to XXXX with copy to XXXX and XXXX XXXX - sent by certified mail - reiterating the sequence of events, that verification sent was of incomplete, and requested each to provide the documents I had requested ASAP ( Atch 7 ).
I did not receive a response from XXXX. XXXX sent a form dated XX/XX/XXXX, stating that my JCP credit card account had been closed and returned to XXXX XXXX ( Atch 8 ).
I received a letter from XXXX XXXX dated XX/XX/XXXX, stating, " We are currently reviewing our records in order to provide you with a meaningful response. As soon as we complete our research, we will send you a letter than will explain the results of our review. '' ( Atch 9 ) I heard nothing more from Synchrony for weeks so I wrote again XX/XX/XXXX, noting that I had not received a response, and providing copies of previous correspondence ( Atch 10 ).
Then XXXX started calling me again, after saying they had closed my account. I again wrote to XXXX XXXX, letter dated XX/XX/XXXX ( Atch 11 ) but have not heard from them. XXXX continues to call me, usually with automated phone messages to call them. When I talked with an XXXX representatives on XX/XX/XXXX, he continued to insist they had sent all the information they had. He repeatedly persisted with this argument to the point of harassment.
Companies involved : XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I am a customer of PayPal, PayPal MasterCard, and PayPal Credit. Both of these credit lines are thru Synchrony Bank. I have relied on the available credit indicated online to determine which, if any, line of credit I will use. I have many other cards with rewards benefits so that the determination of which to use depends on what PayPal Credit or PayPal MasterCard may offer in the way of inducements. I do not use any of the other features of PayPal, that is, I am not a vendor and do not receive or send money. I use PayPal as a glorified credit card. On XX/XX/XXXX. I placed an order with XXXX XXXX XXXX in the amount of {$180.00}. Since PayPal Credit has an option of no payment for six months if the borrowed amount is over {$99.00}, I elected to use PayPal Credit. The online up to date status of my PayPal Credit line showed that I could make this purchase. Since XXXX XXXXXXXX XXXX does not bill until shipment, I assumed that PayPal Credit would allocate this {$180.00} to XXXX XXXX XXXX and keep it sequestered so that it would no longer be available for other purchases. If PayPal Credit is going to list available credit and if this is to be meaningful, it should represent what the true available credit actually it. That should be obvious, but not the way that PayPal Credit, PayPal, and Synchrony Bank do business. That is the basis of my accusation that they defrauded me. Simply stated, I placed this order in XX/XX/XXXX in good faith with PayPal Credit. I planned to pay it off over 6 months AFTER IT WAS SHIPPED AND RECEIVED. Instead, in late XXXX I opened my online PayPal statement and found a demand that I pay {$180.00} to correct a negative balance. There was no indication of why I had a negative balance. I called PayPal Credit and after being sent to two people I was cut off. I filed a complaint about this with the CFPB listed as XXXX-XXXX. I received a response by US mail today, Friday, XX/XX/XXXX, which did not address the fraud but rather gave me a lecture about how PayPal Credit and PayPal are separate and that PayPal is simply a payment allocator. The letter basically did not address my issue so I restate it here and direct this complaint to PayPal, PayPal Credit, and Synchrony Bank. The problem is that I was given MISLEADING INFORMATION REGARDING MY CREDIT LINE. If I had realized that I was over my PayPal Credit limit, I would have used another credit card where I could get 5 % back or similar perk. The major perk with PayPal Credit is going 6 mos without having to pay the full balance. For PayPal, PayPal Credit, and Synchrony Bank to approve the transaction in XX/XX/XXXX and then complain that there were not enough funds is disingenuous. PayPal, PayPal Credit, and Synchrony Bank knew of the request from XXXX XXXX XXXX for {$180.00}. I did not cancel the order. Both XXXX XXXX and I had an expectation of honest service from PayPal, PayPal Credit, and Synchrony Bank to do this transaction. It is reckless for PayPal Credit, PayPal, and Synchrony Bank to approve a transaction and then ignore the demand until later and then insist that I am overdrawn. That is bait and switch - a common form of fraud. If I had wanted to pay for the order from my checking account, I would have sent XXXX XXXX a check. Rather, I planned to use a credit card for the rewards or take 6 months to pay. I did not expect to have my checking account commandeered. Fortunately, I had no balance in that account since I have heard many bad stories about the fast and loose way that PayPal and Synchrony Bank do business. This is such an example - boom your checking account is debited for {$180.00} with no explanation! Indeed, one day I am in good standing and the next day there is a demand with no explanation for {$180.00}. This is fraud. Notably, there was no indication online what the problem was. There was no line item justifying the payment of {$180.00}. Just all of sudden there is a demand that I pay {$180.00}. This is real arrogance on the part of PayPal Credit, PayPal, and Synchrony Bank.
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
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My name shows incorrectly on their site. It shows a middle initial of a capital " XXXX ''. It is in reality a capital " XXXX ''. They have stated they can not change it, even though it is incorrect, they won't change the display of it.
Secondly, Synchrony refuses to remove my old phone number as a verification means to update my personal info or report my income. The site wants to send a text to an old canceled XXXX number. I changed it in XXXX, talked to supervisors in XXXX, XXXX, and XXXX about it not being changed. The number is canceled and their system refuses to remove it, I have had a new verified phone number since XXXX. The old number shows no place in my info, but when I try to verify to change my info, the system wants to send a text to the old number that no longer exists.
An escalation was done on XX/XX/XXXX, according to the supervisor I talked to. That man said it would take 30 days to resolve. It is now 36 days and nothing is done about it. I talked to a supervisor on XX/XX/20 who wanted me to give it more time. There already were 3 calls and a 30 day escalation. No more time will be allowed to correct this. I have been stonewalled twice already with excuses.
XXXX The company needs to correct my name as it is displayed on their site when I am logged in. Instead of displaying [ First Name ] middle initial " XXXX '' it needs to display [ First Name ] middle initial " XXXX ''. Or the middle initial needs to be removed completely from the page. I will accept no less, that is the solution, to stop displaying my name incorrectly.
The company needs to immediately REMOVE from their system completely my old phone number that was supposedly removed on XX/XX/XXXX. It displays in none of my personal information. It is presented as a means of verifying me when making changes to my personal information ( eg, changing my email address or declaring a new annual income ) incorrectly. This needs to go away.
Sychrony refuses to update my name to be correct on the site and refuses to remove my old phone number after 5 months of asking. My name shows incorrectly on their site. It shows a middle initial of a capital " XXXX ''. It is in reality a capital " XXXX ''. They have stated they can not change it, even though it is incorrect, they won't change the display of it. Secondly, Synchrony refuses to remove my old phone number as a verification means to update my personal info or report my income. The site wants to send a text to an old canceled XXXX number. I changed it in XXXX, talked to supervisors in XXXX, XXXX, and XXXX about it not being changed. The number is canceled and their system refuses to remove it, I have had a new verified phone number since XXXX. The old number shows no place in my info, but when I try to verify to change my info, the system wants to send a text to the old number that no longer exists. An escalation was done on XX/XX/XXXX, according to the supervisor I talked to. That man said it would take 30 days to resolve. It is now 36 days and nothing is done about it. I talked to a supervisor on XX/XX/20 who wanted me to give it more time. There already were 3 calls and a 30 day escalation. No more time will be allowed to correct this. I have been stonewalled twice already with excuses.
Your Desired Resolution : The company needs to correct my name as it is displayed on their site when I am logged in. Instead of displaying First Name middle initial " XXXX '' it needs to display First Name middle initial " XXXX ''. Or the middle initial needs to be removed completely from the page. I will accept no less, that is the solution, to stop displaying my name incorrectly. The company needs to immediately REMOVE from their system completely my old phone number that was supposedly removed on XX/XX/XXXX. It displays in none of my personal information, yet it is presented as a means of verifying me when making changes to my personal information ( eg, changing my email address or declaring a new annual income ) incorrectly. This needs to go away.
|
| 07/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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|
Web |
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Starting in XXXX my hours were cut due to Covid and was unable to make payments on time. On XXXX I was 36 days late for {$530.00}. I explained my situation to your company on that date and I was told that if I made one payment equal to or greater than my monthly payment I would qualify for a deferment. My monthly payment is {$260.00}. I made a payment of {$200.00} and set up a promise to pay {$100.00} on XX/XX/XXXX. I made that payment as well and they confirmed that if I made three monthly payments I could receive the deferment. I asked about other options as it was extremely hard to make this payment currently due to Covid hours cut. They said there were no other options. On XX/XX/XXXX I called to make another payment of {$300.00} again. My second payment of three. The bank representative confirmed this was my second payment and only one more was required and I could receive the deferment. On XX/XX/XXXX I called and made my third payment of {$300.00}. They verified that I had made all three payments in three months and I qualify for the deferment but said I had to wait until the payment posted before the deferment could be processed. On XX/XX/XXXX I received a collections letter stating the bank had a right to cure my debt based on default of {$460.00} even though I have been attempting to work anything out at all with the bank to no avail. Only {$190.00} was 36 days late and my XXXX payment was six days late at the time of the right to cure collections letter. I called and filed a complaint with manager XXXX id XXXX and he said to disregard the letter. On XX/XX/XXXX I called to set up my deferment and was denied because I missed their billing month date by 3 days with my XX/XX/XXXX payment. I asked to speak with a manager and got XXXX who refused an id number to me. I explained that I was never told the payments had to be made by a certain date of each month only that I had to make a payment each month. My payment is due on the XXXX of each month and the bank was made aware every time that I could not make them on time but would make them as soon as I was able on a pay date. Over four payments this was confirmed by your representatives. The manager extremely reluctantly said he would process the deferment and I had to do a recorded agreement and authorization of my deferment. He said it would take weeks for it to process but not to worry about the XXXX payment as my deferment was good up until XXXX payment. They deferred my partial XXXX past due, XXXX, and XXXX. He stated that the deferment might not go through because of my missed XXXX payment though. I asked if he was putting in notes and making certain my situation was being explained and he stated yes. He then stated that the bank would not be contacting me in any way to confirm or deny my deferment was processed. I said how do I know, he stated he was processing it right now and not to worry. I asked about collections and he said they would be notified and that they would stop as well. On XX/XX/XXXX I received a call stating that I was past due from XXXX and XXXX payments. I asked about my deferment and was told it was denied and I was told via phone on XX/XX/XXXX. I was never notified by any phone call or email or letter by US Mail. Now I owe {$690.00} from partial XXXX, XXXX, and XXXX payments and do not have the money to pay that much by XXXX. I needed the deferment because my income was cut. Now Ive budgeted not to have a payment until XXXX like I was told to get caught up on my utilities and other bills. What am I supposed to do now? The representative on XX/XX/XXXX stated it was in collections and I need to make a payment. Why was I lied to 5 times to get payments and zero assistance with payments whatsoever. Every statement has a covid response message and says to call for assistance and I have attempted to work with the company since XXXX and have pushed other bills aside to get 3 monthly payments made for the deferment. Now they have forced me into a corner I cant get out of. Please help.
|
| 05/03/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
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|
XXXX XXXX closed my XXXX XXXX Account because I had not yet used the account. I actually did not request the account. The XXXX XXXX staff pulled my credit supposedly to updated my loan account and announced " you have actually been approved for both a XXXX XXXX Credit Card and Loan Account for the amount of XYZ ''. When I responded that I did not request a credit card account he said, " well just don't use it. '' However, if I closed the account I knew that it would negatively impact my credit score. So I kept the account open until with the intent that I would use the card as needed when my loan was paid off and my credit card balances decreased. I was outraged when I received an alert that the account had been closed and that it would impact my credit score as a result of the closure as well as lowering my credit use ratio. Below is my communication with XXXX XXXX regarding the closure, but more importantly the adverse action as a result of not using their account. As mentioned to Sychrony, if this action is not a violation of consumer rights regarding credit reporting it should be and no customer should be subject to closure of an account in good standing or adverse impact to their credit score because the company was not profiting. I actually have another store account ( XXXX XXXX XXXX, also in good standing ) that is managed by XXXX XXXX. Therefore, this is the type of service that they are providing to a customer that they are actually profiting from.
-- - Original Message -- - From : Customer ( XXXX ) > Received : XX/XX/18 XXXX XXXX MDT To : XXXX Subject : Account Information Please advise why my account was closed without notice or authorization. Closing of an account results in adverse impact on my credit score. It appears that my account was closed because I had not yet made a purchase on it from XXXX XXXX. Please reinstate my account without accessing or impacting my credit as it was prior to the closing of the account to limit adverse action by XXXX XXXX on my credit report without cause due to delinquency.
Thank you!
From : Customer Service To : Customer XXXX
XX/XX/18 XXXX EDT Hello XXXX, Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you.
We certainly understand your concern you were not notified of this closure. While XXXX XXXX is required by law to provide written notification to accountholders if their accounts are closed based on information received from one of the major credit bureaus, notification is not required if closure is due to inactivity. On behalf of XXXX XXXX, I regret any inconvenience or frustration this situation may have caused you.
We understand if you are disappointed by this action and apologize for any inconvenience you may have experienced. As a result of our review, the action we have taken on your account remains unchanged.
We appreciate you as a valued XXXX XXXX account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX.
Sincerely, XXXX XXXX.
XXXX Customer Service Account is owned by XXXX XXXX From : Customer XXXX
To : Customer Service XX/XX/18 XXXX EDT Reply XXXX XXXX The priority of my communication was not the lack of notification and whether you are required by law to provide notification prior to the closing of an account. I think that my priority was clear that your action demonstrates that customers should be punished for not using the account or managing their credit and subject to adverse action against their credit score. I have at least one other account with another financial institution that has a XXXX balance and have not been subject to adverse action because I have not borrowed from and paid the financial institution interest. If this action is not a violation of any regulatory requirement of the Fair Credit Reporting Agency, it should be and should be communicated. I hope that other customers will. Thank you for your response.
|
| 07/12/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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|
On XX/XX/XXXX I talked with XXXX, XXXX. at Synchrony Bank XXXX XXXX. re : their requirements to close a $ XXXX XXXX XXXX ( before maturity with {$910.00} penalty for early withdrawal ). XXXX explained that they could easily " WIRE '' the $ $ to XXXX XXXX with " NO WIRE FEE '' because of our XXXX status, upon receipt of faxed IRA transfer docs from XXXX. She then provided her fax #. I also confirmed all the above info. with XXXX on XX/XX/XXXX ... .so this was confirmed " twice '' with Synchrony!
On XX/XX/XXXX I uploaded & sent all " XXXX XXXX. '' transfer docs. to XXXX, provided Synchrony 's fax # and instructions to request XXXX. to " wire '' funds back to XXXX.
On XX/XX/XXXX XXXX faxed prev. signed transfer docs. ( ALONG WITH XXXX XXXX XXXX WIRING INSTRUCTIONS ) to Sync. with " SEPARATE WRITTEN INSTRUCTIONS TO WIRE THE $ BACK TO XXXX UPON CLOSING OF THE CD. This has been verified. On XX/XX/XXXX Synchrony closed my CD for {$260000.00} ( after penalty ) AND " MAILED THE CHECK!! '' Over ( XXXX ) weekends and a holiday the check was finally received by XXXX on XX/XX/XXXX.
Now the reason I requested docs be sent via fax to XXXX. and $ $ wired back to XXXX was because I was increasing my rate of return from XXXX. 's .70 % to XXXX 's 2.95 % on over $ XXXX. I was obviously trying to minimize the " float time '' this $ $ would be in transit not earning any interest.
XXXX 's policy on " received funds '' is I get " instant credit '' to invest when funds are wired ... ... but if a check is sent they will put a " hold '' on the funds for up to ( XXXX ) days! Do the math and the ( XXXX ) day hold XXXX the ( XXXX ) day mail time is ( XXXX ) days that the $ XXXX was not earning interest! My math tells me that this equates to appx. {$400.00} in lost interest earnings.
On XX/XX/XXXX, after learning that Synchrony " DROPPED THE BALL '' AND MAILED THE CHECK INSTEAD OF WIRING IT '' I phoned XXXX at XXXX. in the IRA Dept. to ask for a stop payment be issued on the ck. they had mailed on XX/XX/XXXX and for the $ $ to be wired as prev. requested by XXXX. XXXX said a stop pmt. would require a ( XXXX ) day hold AND he saw no note from XXXX requesting the $ $ be wirred in the first place. After further discussion he DID confirm XXXX 's instructions " requesting a wire '' and said ... ..SORRY, I DON'T MAKE THE RULES.
XXXX then sent a detailed email to XXXX and then transferred me to XXXX, his XXXX. in the IRA Dept. XXXX told me ( XXXX ) different times in the conversation he did not see where XXXX had requested a wire be sent. When I told him XXXX had just confirmed seeing it ... ... he immediately went into apololgy mode and said he didn't even read XXXX 's email NOR had he even thoroughly read the transfer docs. HE ALSO CONFIRMED HE SAW FIDELITIES INSTRUCTIONS TO WIRE THE $ $! He then put me on hold and went to his Mgr. XXXX XXXX for guidance. XXXX came back on the line about ( XXXX ) min. later and said XXXX XXXX said " TOUGH ''. Nothing she can do about it. I then asked to speak to XXXX XXXX Personally.
She came on line and, without any back ground or not having thoroughly reviewed the XXXX docs told me she did not see XXXX instructions to wire the XXXX I told her ( XXXX ) of her employees had just confirmed these instructions and asked her for a {$400.00} concession for their error. She said she would run this issue up the flag pole and call back in a few days.
XXXX XXXX called me back today to tell me there is nothing they are willing to do to compensate for their error. Further, she continued to deny seeing XXXX wiring instructions were on the transfer docs. Then, she finally admitted she saw XXXX note to wire $ but there is nothing they are going to do to remedy their error which cost me {$400.00}.
I and my husband have been loyal customers for YEARS! This is sloppy customer service that has cost me several XXXX XXXX in lost interest revenue.
XXXX IS QUICK TO HIT ME WITH THE EARLY WITHDRAWAL PENALTY BUT UNWILLING TO BEND TO CORRECT THEIR ERROR.
|
| 07/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
I created a PayPal credit account, which is through Synchrony Bank, many years ago.
This account was set to make automatic payments of {$15.00} every month and did not accrue interest. So, it was slowly being paid off. It was an older account that I was not actively using to make purchases. I hoped to pay it off when I could and close it.
On XX/XX/2022 I received a letter from PayPal stating that my PayPal credit account has been maxed out. I was immediately alarmed because, to my knowledge, I had not made any recent purchases using this account.
When I logged on I saw that someone had made thousands of dollars worth of transactions using my account. My initial reaction was to have a XXXX XXXX, so I was not able to call until the next day, XX/XX/2022.
There were many factors that made that made viewing the transactions on this account extremely confusing. To begin with, it appears that there were many attempts at transactions that ended up being denied and refunded. So. Amongst the transactions on the account there are pages and pages of adjustments, which at the time I just didn't understand.
When I called on XX/XX/XXXX I believed that I was making a fraud report. But I called back weeks later only for someone to tell me that there was no fraud report started. Whoever I talked to also did not send me a paper copy of my statement. So, I had to start again waiting for a paper copy to be sent. It seemed like every time I called I talked to a different person who had some different idea of what I needed to do to file a fraud report.
It was all very time consuming and confusing. What's worse, they have a time limit of 60 days to submit a claim and their workers were making it difficult for me to submit a claim in that time frame.
At one point I called because the paper statement was huge and I needed help understanding it. The person I talked to told me incorrect information. That I had to go through the statement and match all the adjustments with matching transactions and cross them out, which would have taken me at least a day or two. When I asked if I could talk to someone else she told me no. I was told so much incorrect information.
Then I had to submit my fraud claim by listing out all the transactions amounts and dates to a person over the phone, which took 2 hours. There were so many transactions, this was a very confusing method for me.
After all of this the claim was denied and when I would call to ask about it, I couldn't get any straight answers. It seemed like every time I talked to anyone they were always writing things down incorrectly and I couldn't get anyone to correct the information. It was like a game of telephone.
First they told me that they denied it because I made the account, which is ridiculous because I had never claimed otherwise. I made the account and someone else gained access. Then, they said it was denied because I made payments on the balance, which I told them already it was set up on autopay and has been for years. Now, after months, they claim I benefit from these purchases.
If we look at the PayPal credit account there were no transactions on it for over a year before this, just payments. Then suddenly {$6000.00} in purchases in a matter of 2 months almost exclusively to XXXX merchants, XXXX and XXXX.
There were some purchases made on the account that I did make that I didn't try to claim were fraud, those were made to XXXX and XXXX. What I believe happened was that the person who made these fraudulent purchases gained access to my PayPal account and they changed my default payment method to my PayPal Credit card without me noticing. So. I did make some charges on the account that were not fraudulent without realizing it.
The fact that I did make some valid purchases on this account does not mean that there were not also fraudulent transactions happening at the same time. This was a huge amount of spending in a very short amount of time. Very different than my normal spending habits.
|
| 08/03/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I met with a XXXX XXXX on XXXX to discuss her services on XX/XX/2020. She offered me a free consultation via XXXX, which we engaged in subsequently. During the call, she was barely dressed, which I found highly unprofessional, but I tried to just gloss over that fact and focus on what she could offer. We discussed her services at length, at the end of which I told her I'd think about it, as her price was very high and not something I could afford.
She soon after, sent me a follow up email with links to her work, including a 50 % discount offer. I clicked on it, which took me to the following web address : XXXX XXXX XXXX XXXX.
I signed up for her full package at the discounted price of {$740.00}, and paid through a supported PayPal link, using the PayPal Credit feature of my PayPal account, apparently managed by Synchrony Bank Credit. Within minutes, she refunded me, saying that it was no longer a promotion she was offering, that it was for a friend, etc. I was fine with that, but also took that response as if I was not worth that price to her, of course. Fine. No problem. I thought we were done.
Later in the day, she changed her mind, attempted to reverse the refund, and attempted to honor the discounted price. I was not okay with this, but she proceeded to bully me into business with her anyway. I did my best to politely engage with her and decline further business because I did simply did not want to invest in someone that wasn't willing to put 100 % in the work. And based on her erratic, back and forth behavior, she wasn't " selling me at all. '' She even changed her mind again, and tried to push the full price onto me, which I could not afford, as I had said. Eventually, I had completely lost trust in this vendor, and went on my way.
Concerned about the transaction, I contacted PayPal directly and could not get through to anybody. Finally, I was able to reach PayPal Credit, since the transaction was technically initiated through them, or Synchrony Bank. They assured me that once a refund is issued by a vendor, there's nothing either the bank or credit card company can do, which came as a relief to my situation.
The following Monday, however, I was notified by PayPal that the refund did not process. I immediately filed a dispute on the charge, which is still under review after several weeks. I supplied all evidence, which I will enclose herein this report.
I wrote one last email to her, demanding she refund me for services not received. She did not respond at all for days. I contacted the police, filed further claims with other agencies, and then on XX/XX/XXXX, she apparently tried to refund me, but come 3-5 business days later ... THAT transaction also failed. At this point, it appears to be another transactional technical issue at the fault of PayPal, or they are simply dragging their feet.
Regardless, this XXXX XXXX has essentially taken {$740.00} of my money and run away with it. Again, a dispute was filed through PayPal Credit, but they have been inconsistent in their responses and have not even issued a provisionary credit back to my account. I did find out that XXXX had rushed to take the money out through her bank, and that's why the refund did not complete the first time. But how can this happen again? The vendor is unresponsive and PayPal seems to be dragging their feet XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX, CA XXXX. Her website link took me to XXXX XXXX XXXX XXXX.
The following domain emails were used in communication : XXXX and XXXX.
Once again, we communicated on XXXX, XXXX and via email. The transactions are being disputed, but I have little faith that anyone at PayPal or Synchrony Bank Credit is taking the initiative to resolve this for me promptly and professionally. All they tell me is to wait 60 days for a dispute to resolve, which I find troubling given all the evidence I have provided, which clearly shows I have received nothing from this vendor at all ; nor desire to based on her behavior.
|
| 09/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is a complaint under 12 CFR 1026.12 which the Consumer Financial Protection Bureau is responsible for enforcing. As you know, I have contacted my congressman due to CFPB failing to enforce the provisions of this consumer protection in previous matters related to PayPal Credit.
PayPal Credit provided me with a list of transactions on this account. The statement runs from XX/XX/XXXX to XX/XX/XXXX. I have now had the opportunity to review the debits and credits that PayPal Credit provided. I have gone through those statements and prepared the attached document each section is referenced to the page number of the printout supplied by PayPal. I have attached a PDF of the spreadsheet I prepared.
There is a very interesting charge on the list {$50.00} on XX/XX/XXXX to XXXX that I think clearly sums up what has been going on here. I actually know this individual and I also KNOW that you can not charge a cash transfer to an individual. So, I think this itemthat I DO RECOGNIZE and that I KNOW FOR CERTAIN WAS NOT A CHARGE BUT RATHER A BANK TRANSFER shows why this entire record of charges is suspect. There are a lot of othercharges most of which I do not recognize and of the charges that I do recognize, I sincerely doubt they were creditjust as I KNOWthe one to XXXX on XX/XX/XXXX was definitely not and could not be credit. I sincerely doubt that the other charges that I recognize that are listed as credit by PayPal were indeed credit charges ( if they were it was charged to my linked credit card which was not PayPal ). So I have sincere doubts about this whole situation and what PayPal is doing exactlygiven that a cash transfer to XXXX from my bank account is listed as a charge for PayPal credit by PayPal credit makes me question all of this.
Another interesting fact is that there is no activity between XX/XX/XXXX ( when PayPal would have been notified of the Chapter XXXX that they claim to know nothing about ) and XX/XX/XXXX.
Overall there are charges listed from companies that I recognize and did business with and although I do not believe I ever used or authorized these transactions as PayPal CreditI had a valid credit card attached to my PayPal account first from a secured account through XXXX XXXX and later from XXXX XXXX ( they bought the account from XXXX XXXX ) that would be used in the unlikely event my bank balance did not cover the charge. Nevertheless in the attached PDF I have listed charges from sources that I recognize as potentially valid charges ( although again I am not sure why they were not a traditional cash transaction ) and they total {$5900.00} between XX/XX/XXXX and XX/XX/XXXX.
The charges that I do not recognize total {$19000.00} and most of these charges are from XXXX a company that is closely aligned with PayPal. Many of these include donations to XXXX. Additionally, many of these charges were made when I was not at home and did not have internet accesseither because I was in a remote location or because I was out of the country.
During this time, PayPal took at least {$24000.00} from me which they categorize as payments ( I do not believe that this is the full amount of money that was taken from my bank account for PayPal transactions but I am using their numbers and information ).
Overall, I believe that 12 CFR 1026.12, which the Consumer Financial Protection Bureau is charged with enforcing applies here and I believe it is my right under that law to have the charges that I do not recognize ( per the attached PDF ) demonstrated to have been both authorized by me and something that I received a benefit from by the company ( PayPal ) that alleges that they are valid charges. I believe that if those two criteria can not be shown by PayPal they must refund those suspicious charges under 12 CFR 1026.12. While I appreciate the listing that PayPal provided in that it allowed me to see what PayPal bases this alleged balance due onthe simple list of charges neither shows authorization by me nor benefit to me.
|
| 06/24/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have a Care Credit Card through XXXX XXXX. My XXXX referred me to the promotion this card offers, which allows me to pay my XXXX bill over time without interest, in even payment amounts. The XXXX charge of {$2900.00} was made in XX/XX/XXXX with a 2 year promotional period, putting me at 24 payments of {$120.00} per month, which was affordable to me. I was paying the balance and everything was fine until XX/XX/XXXX. The due date for the payment was XX/XX/XXXX, which was a Sunday. I had set up an automatic payment on the XX/XX/XXXX of every month through my banking institution, since the due date was always on the XX/XX/XXXX. I later discovered that my bank delivered this payment of {$120.00} on the following business day, XX/XX/XXXX. This caused a late fee of {$38.00} to be applied to my XXXX XXXX credit account, which I did not receive any notification about. Next month, once again I had an automatic payment made from my banking institution in the same amount of {$120.00} on XX/XX/XXXX and I was one again charged a late fee of {$38.00}. This payment was on time as the date did not fall on a Sunday. At the same time, I started receiving texts, emails, and phone calls from XXXX XXXX indicating I was late and payments were due. There were numerous phone calls, multiple a day to the point where it was harassing. After this occurred, I called XXXX XXXX and explained what happened and asked why am I being charged late fees when I'm making payments on time? I asked why are due dates that fall on a non-business day not adjusted to a business day? Since that due date is effectively not the real due date as banking institutions do not transfer funds then typically. I did not receive an answer. However, after speaking with the representative and a supervisor, I was able to have both late fees reversed, which took about 48 hours, during which time I STILL continued to receive phone calls from XXXX XXXX demanding payment. Finally, the late fees were reversed and everything appeared to be back to normal. In XX/XX/XXXX, once again, my bank sent an automatic payment of {$120.00} on XX/XX/XXXX, the due date, and once again I was charged a {$38.00} late fee and now a {$2.00} interest charge. I looked at my account and called XXXX XXXX yet again, this time very frustrated that this continues to happen when I am making on-time payments. The representative looked into the situation and indicated that I wasn't making the minimum payments, which were higher for the next month because of the addition of the late fees. For example : since the system charged me a late fee of {$38.00} and a {$2.00} interest charge in XX/XX/XXXX, my minimum payment was increased from {$120.00} to {$160.00}. Refunding the late fees does not lower my minimum payment back to the original amount and hence further promulgates this vicious cycle of late fees and interest charges to be applied to my account, regardless of payments being made on time. The proposed solution was to satisfy the system 's required minimum payment amount of {$160.00} in order for it to not charge me any more late fees. I can not believe this is something that can not be manually overridden by a human being. While I can definitely make that payment so this does not occur to me in the future, the whole purpose of this was budgeting and being able to have a consistent low monthly payment to pay off this XXXX bill. I believe this is a predatory practice, I consider myself to be somewhat savvy in regards to financial affairs and this took me 2 months to figure out, I can't imagine what could have happened if I was elderly or XXXX or did not speak XXXX very well. To be a large bank and not have the ability to monitor their accounts and have some sort of analytics in place to deter this from happening is just laziness in my opinion. I should not have to call a bank each time to have late fees reversed because of their systems ' lack of capability and then on top of that, have to pay higher monthly payments.
|
| 06/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2022, I ordered two 36x36 frameless bathroom mirrors from XXXX. The mirrors were delivered on XX/XX/XXXX. They were shipped encased in form-fitting Styrofoam in separate boxes. Opening the first box revealed a shattered mirror. The second one held an intact mirror that had several deep scratches that went unnoticed at that time.
I contacted XXXX XXXX immediately about the shattered mirror. I was told I would receive a replacement, that I did not need to return the mirror, and that I would receive an email from them with an address to send an image of the shattered mirror. I received that email the same day and replied with all the information they requested.
By XX/XX/XXXX, after two queries, I had not received the replacement mirror and had heard no more from XXXX XXXX. I sent them a third email that day. Again, no reply. I purchased the mirrors through Sams Club Plus Member Mastercard which is administered by Synchrony Bank. So, because I was being ignored by XXXX XXXX, I contacted them to dispute the transaction.
Synchrony Bank agreed with my position, initially, and credited my account with the {$420.00} purchase price of the mirrors. Then it got weird. On XX/XX/XXXX I received a message from Synchrony Bank stating that, based upon new information, they were reversing the previously issued credit. The new information supplied was a proof of delivery statement showing that XXXX had delivered the mirrors on XX/XX/XXXX. Thats not new information, thats the date I reported them delivered in damaged condition. Non-delivery was never the issue.
On XX/XX/XXXX I sent a letter to Synchrony Bank. I told them ; before I take further action on this matter, please verify, in writing, with a signature of an actual human with some authority at Synchrony Bank, that you agree with XXXX XXXX that delivery is all that matters, that the condition upon delivery is irrelevant. The letter was sent Certified Mail with a Return Receipt, it was signed by XXXX XXXX.
On XX/XX/XXXX I received a Voicemail to Text message from Synchrony Bank stating ; Hello this is a message from Synchrony Bank for XXXX XXXX XXXX [ XXXX ] regarding your Sams Club Master Card account. We are calling to inform you that we received your correspondence. We appreciate your patience while we review your request and well update you as soon as possible. We can be reached at XXXX. If you have any questions. Thank you. Goodbye.
I responded with another letter to Synchrony Bank stating : It is important to understand that I did not make a request, I stated a requirement. Nothing short of the letter described clearly stating your policy that receipt of damaged goods is not grounds for a refund, will suffice. Upon receipt of that letter, I will pay the full amount of the purchase, {$420.00}. I will not pay any late fees or interest as the delay is solely your fault.
Further communications on this matter other than that letter must be via an email that is monitored.
That is where we stood for about six months. My account balance was the sum of the {$420.00} purchase price plus six months of late fees and interest. Clearly, Synchrony Bank wanted to be paid, but nobody there was willing to put their name on the letter required to obtain it.
I related my experience on several consumer complaint sites. One of them contacted XXXX XXXX about it, and XXXX XXXX then contacted me. After some back and forth, they reversed their position. They decided that the condition of the merchandise at the time of delivery did matter, that a full refund was in order. The refund appeared on my credit card statement on XX/XX/XXXX.
Now it gets weirder still. It seems Synchrony Bank did not agree with XXXX XXXX reversal. They still demand payment of all late fees and interest generated by a purchase that was eventually refunded. The account balance now stands at {$340.00} ; I will not pay it. The account has been closed, credit cards destroyed, and I am no longer a Sams Club customer.
|
| 05/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX I became XXXX XXXX and XXXX. My JCPenney was closed. Information about there hardship program was withheld months before discloser. The disregard and biases I endured before someone kind enough informed me has know led up to more prejudices.
XX/XX/XXXX I was placed on the Hardship plan by end of XX/XX/XXXX health wise I didn't think Id make. Still I pay debts, had card over 10 years payment date is on XX/XX/XXXX of each month JCPENNEY OR ANY DEBT COLLECTOR WILL CONTINUOUSLY CALL THE NEXT DAY AND EVERY DAY AFTER WHEN YOU DO NOT PAY YOUR DEBTS.
In XX/XX/XXXX while on hardship I received one ( 1 ) call from a nice young lady when leaving hospital informing me payment was missed. I apologized asked her if I'd get late fee with hardship she said no. I thanked her advising I'll gladly pay soon.
XX/XX/XXXX recovering from XXXX I utilized paying debts via phone {$28.00} to JCPENNEY and everyone owed were payed on time. I received NO CALLES ABOUT A MISSED PAYMENTS.
The fear of filing or recovering from bankruptcy wasn't an option for me having little debt. In the interum I caught a very bad XXXX XXXX for 2 months.
XX/XX/XXXX left hospital accessed computer immediatley paid {$56.00} owed JCPenney.
XX/XX/XXXX JCPENNEY called I was aware until XX/XX/XXXX when checked messages. Number showed as unknown in voicemail restricted in call log.
Called XXXX XXXX spoke to XXXX he informed me I was kicked off HARDSHIP unless I could prove I paid through IVR system I could be put back on it? I informed XXXX how can I prove that if it didn't go through?
4 or 5 years ago this incident happened with JCPenney IVR system glitch. Respectfully, JCPENNEY CALLED THE NEXT DAY about payment. I had ask for supervisor for resolve which was due to history. Its XX/XX/XXXX XXXX no one called until after my XX/XX/XXXX payment.
XXXX transferred me to XXXX she REFUSED TO ANSWER WHY JCPENNEY NEVER CALLED MY PHONE 90 DAYS ABOUT XX/XX/XXXX 'S PAYMENT UNTIL XX/XX/XXXX?
JCP DIDN'T KNOW IF I WAS ALIVE UNTIL PAYMENT DECEPTION BEGAN.
XXXX all who represents JCPENNEY Purposely VIOLATED MY RIGHTS, AVOIDED CONTACTING ME 90 DAYS TO PREVENT THE APR 25.99 % FROM GOING UP XX/XX/XXXX I called again in hopes to speak to an HONEST CIVIL CONSUMER like myself instead spoke to XXXX or XXXX a female in another country. Again, willing to Violate our Consumer Rights.
AXX/XX/XXXX still distraught from prior call I called searching for answers again. I believe her name was XXXX. She stated SOME HOW MY TELEPHONE NUMBER WAS REMOVED FROM MY ACCOUNT SHE DIDN'T KNOW WHEN IT WAS ADDED BACK ON.
I almost fainted an asked her " HOW CAN YOU SAY THAT-HOW WAS MY NUMBER ADDED BACK ON '' She ignored question, was condescending I was disgusted.
Everyone I spoke to had great Discourtesy and Disdain became Greatly Insulting.
Meanwhile, XXXX knew I was hopelessly worried. She claimed a supervisor would assist me instead I was Humiliated and Embarrassed she stalled and sent Police to my Home then disconnected the call.
Luckily, the officers knew me and intend to trace back it back to her at JCPenney.
XX/XX/XXXX XXXX called from JCPenny was restricted. XXXX continued same script blaming me why not answering why JCPenney had a right to not contact me like they did XX/XX/XXXX and inquire about my payment?
There unwillingness to answer, research and/or resolve this matter unbeknownst to me was done with great XXXX. Actions taken against me were appalling, unnecessary, unwarranted especially when my History paid my account until I took ill.
JCPENNY was the only company charging me with missed payment in XX/XX/XXXX. Had they called XX/XX/XXXX even XX/XX/XXXX this could've been rectified.
I feel singled out intentionally for my credit to be damaged. JCP reps knew in the beginning how I called and called to get and keep Hardship until I got on my feet. This was done on Purpose the constant Incivility, how I was spoken, there Prejudice and Biases was obvious.
XXXX XXXX XXXX
|
| 04/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a Credit Score decrease alert from XXXX on XX/XX/XXXX. By XX/XX/XXXX, I had pulled my credit reports from all three bureaus and began investigating the issue of a Fraudulent Credit Card account called SYNCB/PPC that was opened in an alias of my name that I have never used on XX/XX/XXXX, which at that time had an outstanding balance of {$3700.00}. I contacted XXXX for advice on reporting this fraudulent account and was provided action steps for identity theft victims and advised to contact PayPal to report the crime. XXXX worked with me further to place a credit freeze and fraud alert on my credit file at all three bureaus. PayPal at that time ( put me through to XXXX who verified there was an account using my social security number. I was told they would close the account and begin an investigation. As directed by XXXX, I opened a complaint with the FTC this same day XX/XX/XXXX through their Identity Theft resolution process and found out that I have been part of the XXXX breach. I took additional steps to file a report with the XXXX Police Department, again, on this same date. Since XX/XX/XXXX, all 3 bureaus have removed this erroneous account from my credit report. However, fast forward to XX/XX/XXXX, I began receiving attempt to collect letters from PayPal about a different account with the same amounts. I called the fraud department of XXXX and was again transferred to Synchrony Bank. By this time I was very confused by there being a new account number opened with Synchrony when there is a freeze on my credit account. At that time I was informed that they ( Synchrony Bank ) had transferred the amount from one account to another one due to the results of their fraud investigation. The agent I spoke to could not find the results of the investigation but closed the new account. I never received a letter regarding their findings before this and requested in writing via certified mail the same day, that Synchrony provide me with all records related to the account, including : Account applications made on paper, online, or by telephone, Account statements or invoices, Records of payment or charge slips, Delivery addresses associated with the account, Records of phone numbers used to activate or access the account, Signatures on applications and accounts, Investigators report. I had not ever received a statement for this credit card during this entire time. However, during this same XX/XX/XXXX call I was asked for my address and my full name including middle name to update their system which I did not provide as I thought it was odd since I sent in documents to Synchrony in XXXX with a photo ID and written affidavit. Around XX/XX/XXXX, I received a large envelope full of duplicate statements to my home which is the first time I have ever seen a statement for this account or with a complete account number. However, I was not furnished with any of the other document that I requested. I contacted the XXXX Attorney Generals Office and provided them information regarding the fraudulent account and struggle with a resolution. Around XX/XX/XXXX or XXXX I received a letter stating that Synchrony 's investigation showed the account belonged to me as a " payment was made '' to the balance due on the account. It seems at each point of contact to resolve this issue, Synchrony Bank and/or PayPal ( I just don't know at this point whether they are the same company or separate ), have taken steps to update their system with my information ( as the victim ) to associate this fraudulent account and subsequent activity. The latest attempt is a letter arriving in the mail today XX/XX/XXXX stating they're contacting me to " provide an important update on your PayPal Credit account '', and they need me to log into an account or call them to provide updated email information for this fraudulent account. I am beyond overwhelmed and feel violated by the perpetrators of this crime and these two affiliated banking organizations.
|
| 10/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
" PayPal '', " PayPal Credit '' & " Synchrony '' Customer Support have repeatedly & are acting in a coordinated matter to commit Federally Illegal Organized Criminal Activity including Felony Fraud & Extortion as well as to Illegally Discriminate against me for requesting Handicap Accessible Accommodations regarding making payments to my " PayPal Credit '' & " PayPal Cashback Mastercard '' accounts with PayPal.
They advertise that users can make these payments over the phone, on their webpage & with their phone apps, however their website & phone apps only allow users to directly link a bank account and draft payments straight from said linked bank account. This forces consumers to call in and provide their debit card information to a Customer Support Agent over the phone, with the CS Agent then processing the payment.
They provide no option for users to make payments directly with a debit card unlike their advertised policies even though they clearly have the capabilities to do so. They also don't provide consumers access to their full, un-obfuscated account numbers either on the website, phone app or even in account statements.
This itself is a Federally Illegal & Fraudulent Business Practice. Combined with their Customer Support repeatedly refusing to acknowledge my requests for accommodations they have acted in an egregiously Discriminatory manner in violation of the ADA Title III Sections 3.2000 & 3.3000 For individuals with Disabilities who aren't always able to just pick up the phone and call in to make a payment, this often results in additional fees being charged to the consumers account.
The company has repeatedly committed Felony Fraud by lying regarding their policies.
They regularly take payment from my debit card over the phone, without issue.
They regularly claim over the phone ( I have their service agents Felony Fraud in this matter audio recorded ) that I can use the phone app & website to make payments using my debit card, that all I have to do is link the card to my account.
I have attempted to link two different cards to my account, however neither actually showed up on the website or phone app as payment options. The only option they provide to make payment in their phone app or on their website is directly from a linked bank account.
When I signed up for the account, it was advertised in their promotional material & the ( at the time displayed/linked ToS/Conditions ) that I could link a debit card and make payment directly from that card. I regularly make payment using a debit card over the phone when I am able to call in, though I often am unable to do so on time as a result of my XXXX XXXX.
However they refuse to provide Handicap Accessible Accommodations & are in full violation of the ADA Title III sections 3.2000 & 3.3000 regarding " III-3.2000 Denial of participation. '' & " III-3.3000 Equality in participation/benefits. '' in the form of their accepting said debit card payments when a person calls in over the phone, but refusing to do so via their phone app or website as was originally advertised & repeatedly confirmed by numerous support agents of both PayPal & Synchrony over the last 8+ months.
These Agents commit these Felony acts of Fraud to subsequently Extort consumers by levying Fraudulent Fees when Disabled users are unable to make a payment on time resulting from the Fraudulent & Federally Illegal Business Practices of Synchrony/Paypal & combined with the individuals Disabilities.
The Agents of PayPal always say to contact Synchrony regarding the issue paying with a debit card & the Agents of Synchrony always insist I have to speak with PayPal. Both are acting in a coordinated manner to commit Felony Organized Criminal Activity including Fraud & Extortion as well as Federally Illegal Acts of Discrimination.
They have acted in a Malicious & Discriminatory manner to dismiss my own tickets, refusing service & repeatedly mocking my requests for accommodations.
|
| 02/25/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I have had the Amazon XXXX XXXX XXXX serviced by Synchrony Bank since they were offered in XXXX. Payments were always made on time and in full. I have never carried a balance, my account has been and continues to be on auto-pay, attached to a checking account with plenty of funds. I have impeccable credit, with a credit score of XXXX per XXXX, so I am not a risky customer.
On XX/XX/XXXX, I received an alert from XXXX that my Synchrony Bank account was closed as " either settled for less than the balance or because you haven't used it in a while '' and that this may negatively affect my credit score. I logged onto my Sychrony Bank account and, indeed, it showed it was closed on XX/XX/XXXX. I called the Synchrony Bank customer service number ( XXXX ) and was told it was closed due to " high risk of non-payment. '' I have a {$6000.00} credit line, my current account balance is {$220.00} and it is due on XX/XX/XXXX ( a week from now -- not overdue ). I do not know why they felt my account was at high risk for non-payment.
I asked to speak with someone about why this has happened and to see if it could be rectified, and I was told there is no human to talk to and that closed accounts can not be reopened. I requested a review of the situation, and on XX/XX/XXXX, I received a letter from Synchrony Bank as follows : -- -- -- -- -- -- -- -- - Thank you for your recent inquiry regarding your Amazon.com Store Card account.
We have reviewed your request and are unable to accommodate for the following reasons : We are unable to reinstate your credit line on this account. If you are interested in establishing a new account, you may apply in the store or online.
Any charges made to your account will remain and subject to the cardholder agreement governing your account. Please refer to your next billing statement for your balance and payment due date.
-- -- -- -- -- -- -- -- - They are unable to review my account because they are unable to do so? This is not an answer. I have mailed a letter to Synchrony Bank asking for a person to review the closure, in the event a computer algorithm falsely identified something as a risk. I have now had my credit score ruined and have to file this Consumer Finance complaint and call the credit bureaus due to no fault of my own.
I can not determine what caused Synchrony Bank to close my account. I did explain to them in my letter that I have been traveling for the past couple of months and have ordered a few necessities ( vitamins, hair care products ) from Amazon to be sent to me at some temporary locations while traveling, uncertain if this caused any alarm ( although I should be able to send Amazon orders to anyone at any address ). And because of my travels I had to purchase a new laptop and cell phone, which may have required me to re-authorized access to my account on those devices. I was never alerted about any potential fraudulent activity on my account or unauthorized access, and I have seen no unauthorized charges. Any other bank would contact me if they suspected fraud, give me a new account number, and there would be no problem.
I checked my credit score with XXXX today, and it shows a credit score drop to XXXX with the notes that there has been a " serious delinquency '' and " too few accounts currently paid as agreed ''. These issues are false, and if this is what has been reported by Synchrony Bank to the credit bureaus, they are committing fraud against me. Perhaps they have confused me with another customer, but this needs to be fixed immediately.
Through no fault of my own, I am now having to repair my credit due to the actions of Synchrony Bank. I am closing my purchase of a house next week, and if I was in the process of getting a mortgage for that I would be at risk of losing my loan! Fortunately, I am paying cash, but this is an unacceptable situation. I am not in financial trouble, and would appreciate assistance rectifying these actions by Synchrony Bank.
|
| 07/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
A brief history I will attach a letter to clarify what I wrote to Synchrony Bank. I filled out an on line survey for XXXX about XX/XX/XXXX. After completing the survey I was notified that I was eligible for a free gift. I was given a choice of gifts to choose from. I selected XXXX XXXX XXXX. I was asked to provide a credit card for the purposes of paying for shipping. I provided my TJX Rewards card. I filled in all the information required including my expiration date on the card and security code.
Within a few hours I began receiving marketing calls for me to purchase more products. I questioned how they got my phone number and then I blocked the calls.
On my XXXX statement I saw charges for XXXX two charges one for {$98.00} & XXXX. I contacted TJX Rewards put in a dispute verbally. First, I received a letter notifying that they had received a dispute. Within the allotted 60 day time frame I received a confusing letter from Synchrony Bank dated XX/XX/XXXX. I did not understand the letter, I called my credit card company. I understood from the conversation I had with the representative that the charge had been removed.
Before seeing the charges on my credit card XXXX XXXX XXXX had sent me a package with two bottles of skincare products. I took them as my free gift. Then I began receiving packages from XXXX XXXX XXXX. I returned all packages to the Fulfillment Company unopened with notification to have them stop sending me the packages. Finally I sent a certified letter to the Fulfillment Company to stop sending me these packages on XX/XX/XXXX. I received an Cancellation Notification email reply dated XX/XX/XXXX from XXXX XXXX. I have received a Refund order Notification from XXXX dated XX/XX/XXXX. The XX/XX/XXXX refund states ordered on XX/XX/XXXX. The XX/XX/XXXX cancellation states ordered on XX/XX/XXXX. I am suspect that this Company is fraudulent in all of its activites.
More importantly, TJX Rewards Synchrony Bank is complicit with this fraud. After my original complaint they continued to allow charges from XXXX. Originally I was told by a consumer credit card representative to file a complaint with the Consumer Protection Agency. I did the reference # XXXX. At the same time I also sent a letter to Synchrony Bank outlining the details of all the charges I was disputing. When I called CPA because I did not get a response to my letter I was told by a representative that CPA does not do investigations unless they receive several complaints. I was then told to contact you regarding Synchrony Bank. I waited to see what the decision was prior to contacting your agency. I was given credit for three charges on my account. According to my calculations I am due credit for {$680.00} charged to my account. I have received miscellaneous adjustment for {$300.00} on my current bill. I believe this adjustment came from me making direct contact with XXXX, in which I received a follow up message that I would be receiving a refunded for three charges. Therefore, I can conclude that Synchrony Bank has actually done nothing to protect my account from being charged. I will withhold the subtracted difference from my payment of {$370.00} from my payment until this matter is resolved. I will inform Synchrony Bank in writing of this fact.
I have all copies of letters and charges associated with this complaint to verify all my attempts. I have been given misinformation by TJX rewards customer service personnel. Additionally, I have made efforts to resolve the charges by contact XXXX and to stop the deliver of their product. Even after I received the XX/XX/XXXX Cancellation Notification email and tried to resolve the charges on the phone on XX/XX/XXXX and after my certified letter was received. I STILL RECEIVED THE PRODUCT IN THE MAIL in XXXX XXXX, which I returned. I cancelled my credit card on XX/XX/XXXX I have a confirmation # XXXX because I am fearful that I will continued to be charged.
XXXX XXXX TJX Account XXXX XXXX XXXX XXXX
|
| 03/15/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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On XX/XX/2019 myself and a friend went to a XXXX XXXX office for a " FREE '' consult by the end of the apt I was told I needed all kinds of work done. the office manager asked if I wanted to continue with the having the work started. I said yes then she asked how I wanted to pay for the services. gave me a couple of options ( i.e. XXXX XXXX care credit, XXXX XXXX, or care credit ) after appling for XXXX XXXX as I already have an account with them I was denyed. so she went with care credit which I was approved for. I was not informed of the very high interest rate or any fees. I was told by care credit I would get my card and Info in the mail in 7-10 business days and to wait for the card. before I left the office on the first visit they made a 2nd apt for me on XX/XX/2019. after leaving the office on the 1st appt. Not really realizing that I would not have my card by then I call the XXXXl office back on XX/XX/2019 as I knew the office manager would be in that Saturday. She said not to worry and to call care credit and try to get my card number over the phone and gave me a that customer service number to call. I call the number and was told that I could not get my number over the phone yet. and was told to just call the care credit on the day of my next appt. when I was at the XXXX office to get the number.. I said ok so I called the XXXX office back and told the office manager what care credit had told me. When I get to the office for my 2nd appt. and say I will call the care credit ti get my number I was told by the office manage that she had already called and got my number .... How is it that I could not get my card number when I called but the office manager was able to abtain it days prior to the 2nd appt. and charged the card the intire amount of {$8500.00} to the card 2 days be for my appt. I was told by the office manage that my payments would be {$140.00}. a few days go by and I receive my card and interest rate of 26.99 %. Really I have excellent credit score neary in the 800. was my score even taken into account??? I think not. then a few days after that I receive my first care credit card bill showing that I have a fixed rate intrest rate of 16.90 % for the {$8500.00}. but any new charges would fall under the 26.99 %. I also saw that my payments were not as I was told at the {$140.00} and in fact they would be {$210.00}. Before I ever stepped foot into this XXXX office I spoke with the office manager and asked about what ins company they accept and how much the services would cost as to not waste my time or theirs. I am on a fixed income due to my XXXX and she said just come in for the consult and we could talk about that. so I did and now I'm in debt for {$8500.00}. already charged to the card I not even received with all the paperwork showing fees and intreset rates. If I would have got the information in the mail prior to the XXXX office calling to get my card number I would have never done anything with that XXXX office or care credit. I was misinformed, miss led and have been taken advantage of. I called care credt and closed the account and have put in a disput to them already. Also I never got an intemized invoice for Phase 1 of the XXXX work which by the way is always {$8500.00} no matter the person or what is needed. he {$8500.00}. charge alredy charged a.care credit also told me that they could not change my intrest rate and that the only one that could would be the XXXX office. I call the XXXXXXXX office to ask if that was true and it is. she was will to give me 0 % for 2 years but if it is not paid in full by the 2 years then I would owe all the intrest from the past. and it would revert to the 16.90 %. the office manager was willing to give me her valet parking spot on appt. days as the cost of parking was {$33.00} for the 2 appts. I feel the synchrony finance along with care credit and the XXXX office of XXXX XXXX XXXX XXXX XXXX are using unfair and predatory lending practices.
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| 05/21/2016 |
Yes |
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Web |
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I have many issues with my XXXX XXXX account since it became Synchrony Financial. First, I have a summary of acct at the top of my statement ( stmt ) that IS NOT the sum of the XXXX detailed line items on my bill. XXXX of the XXXX line items are deferred interest purchases that I made at XXXX XXXX but they have not been receiving proper payment credits. The XXXX is a line item titled " Purchases '' with a " Balance Subject to Interest Rate '' ( BSTIR ) - of which I should have none! I have been trying to make sense of this stmt for over a year and finally kept XXXX stmts in a row for comparison to discuss with the account holder when they just could not be reconciled with my payments. There are also XXXX significantly different amounts on the lines labeled " Interest Charges in XXXX '' which is lower than the line labeled " Interest Paid in XXXX '' ( by an amount that is far from one month 's worth of interest, which I dispute I even should be owing, in the event they claim it is due to what was paid in XXXX but charged in XXXX ). I originally tried to discuss this with XXXX reps at the XXXX XXXX 's finance desk ( neither of whom could understand the discrepancies thus referring me to call Synchrony directly ). I finally made contact with Synchrony on XXXX/XXXX/XXXX & spent over 2 1/2 hours on the phone with them - the first guy ( XXXX ) determined after 3 minutes that he would need to pass me to his Acct XXXX as he did not want to talk to me about the fact that the numbers on my account did not add up. He transferred me to XXXX who tried to manipulate the numbers to tell me that they did make sense although he could not explain to me how {$400.00} ( line XXXX ) + {$1700.00} ( line XXXX ) + {$150.00} ( BSTIR ) = {$2200.00} ( summary ) even if I did not dispute some of those balances. He did state that my last payment of {$150.00} ( on time & well above the minimum due ) was applied as : {$25.00} to line XXXX, {$60.00} to line XXXX & {$69.00} to XXXX but then could not tell me why the XXXX stmt BSTIR did not go down by the {$69.00} but instead only went down by {$38.00} from the XXXX stmt ( not even taking into account the several other months prior where these numbers did not add up ). XXXX stated that the BSTIR was a line item for " late fees '' - many of which I dispute based on the untimely processing of my payments by Synchrony ( ie. when my bank transferred the money to them on a weekend due date, they did not credit the account in their system until Monday or later causing an applied late fee ) and told me that my current BSTIR was {$150.00} ( even though my stmt dated XXXX shows {$150.00} & my XXXX stmt, which I received after talking to them, shows : no payment, a {$37.00} late fee & a new BSTIR of {$120.00}??? ). After 1.5 hrs with XXXX not being able to sort this out or account for my full payments ( beyond stating the full amount was being deducted from the summary ), he transferred me to his " manager '' XXXX. I re-reviewed all of the above with XXXX over the next hour & he confirmed all the info XXXX had provided but also could not make sense of my account and stated that he would need to check with his accounting dept on Mon and call me back on XXXX or XXXX. I gave him a specific list of all of my concerns that would need to be satisfactorily addressed in order to keep me from filing a complaint. I told him that I would not be making any additional payment until they could confirm that my payments are being properly and fully applied to my account & he agreed to waive the late fee that was charged to the account on XXXX. I received no return call & instead began immediately receiving Synchrony collection dept calls at a rate of 4-6/day. On XXXX I finally spoke with XXXX in their collection dept who told me there was no record of my call on XXXX & she had to transfer me to her escalation specialist. XXXX also could not explain the discrepancies & said she would call back w/i 7 days but did not.
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| 05/17/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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Synchrony Bank has blatantly refused to remove the {$2100.00} deferred interest charge on a {$4800.00} promotional purchase I made in PC Richards that expired quietly after 18 months despite my offer to pay off the entire promotional balance. They did this despite announcing in the media that the company will " weave interest fees across accounts '' and assist customers during the corona virus pandemic ( Please see attached XX/XX/XXXX XXXX article ). Synchrony displayed a total disregard and a selfish, uncaring, and disrespectful attitude when its account managers did not want to hear my explanation that I was a front-line XXXX worker who, since late XXXX this year have been tirelessly battling the quickly escalating pandemic, got sick twice since XXXX, and have been living with XXXX XXXX from wearing N95 mask for 12 hours a day in a XXXX full of COVID patients. At the same time, I have also been going through a very stressful and costly litigation since XX/XX/XXXX related to my past relationship. With all of this going on, Synchrony representatives still directly blamed ME for not monitoring the e-statements for the expiring promotion date.These selfish and uncaring treatment I received on the phone from Synchrony between XX/XX/XXXX - XX/XX/XXXX contradicts the company 's CEO letter she published recently on synchrony.com website in response to the corona virus pandemic, in which she states Synchrony " puts people first and acts with empathy, " and " appreciates essential workers who are here helping the rest of us through these uncertain and uncharted times. '' ( Please see attached Synchrony CEO 's, XXXX XXXX 's, letter and highlighted paragraph ). But three out of five Synchrony Bank representatives engaged in direct accusatory language towards me repeatedly blaming ME for missing the promotion expiration date despite my explanation that I did not receive any notice the promotion was about to expire and that I do not receive paper statements from Synchrony Bank. Rather, each month, I pay all my bills electronically via XXXX bill pay feature. I do this to simplify my busy and extremely stressful life. It is impossible to remember all the different passwords to pay bills via each companys separate websites. Knowing that all my transactions and statements have been electronic only, Synchrony has NOT emailed me ANY warning the promotion was going to expire. Instead, each month, they were sending me emails asking for minimal payments only. This practice is very deceptive and misleading. XXXX XXXX XXXX business review author, XXXX XXXX, agrees that many consumers " do not realize '' deferred interest promotional deals silently expire and suddenly hit them with extremely high interest charges appearing on their statement ( please see the attached highlighted XXXX XXXX article ). In the same article, the XXXX XXXX XXXX XXXX attorney, XXXX, calls the Deferred Interest Promotion credit cards " the most abusive '' business practice, which " should be banned '' ( please refer to the attached ). The three out of five Synchrony Bank account managers I spoke to were extremely rude, unreceptive, displayed quick temper and impatience in an attempt to discourage me from trying to have them remove this sky-high interest charge. The last one I spoke with on XX/XX/XXXX at about XXXX displayed a particularly impatient and arrogant attitude towards me when I insisted on obtaining a contact number of her supervisor by trying to make me believe there was nobody else I could speak to but her : she refused to provide me with such number saying that if she gave it to me, I would be " calling and calling [ the supervisor ] so she stated, there is no such number. To make me feel even worse and helpless, she also repeated several times that even if I speak to the supervisor, she will NOT remove the {$2100.00} interest charge. She emphasized that she has " NEVER '' seen Synchrony remove interest charges from clients ' accounts.
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| 08/24/2015 |
Yes |
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Web |
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On XX/XX/XXXX, I visited my dentist for dental procedures. Prior to this visit, I contacted the office and relayed my dental issues and lack of dental insurance. I believe that I was informed of an interest free loan option to pay my fees on that phone call. The terms of the loan were not described in any detail on the call, nor were they verbally described in any great detail during the dental office visit. Based on these conversations, I was under the impression that I was signing up for an interest-free loan. I was in a great deal of pain and trusted my dentist not to enroll me in a product that would cause me financial duress. I likely did not give the paperwork more than a cursory glance because of these conversations and the trust I placed in my dentist. I trusted my dentist not to put me in a position of financial duress.
In reality, I signed up for a deferred interest product with a substantial interest rate. Moreover, I was charged a {$2.00} fee every month in which I made minimum payments ( referred to as a " minimum payment fee '' ). This fee was never explained to me at the dentist 's office. Late fees were also never discussed.
I enrolled in an automatic payment option and electronic statements so that I did not have to review any paperwork or worry about late fees for any missed payments. As a result, I thought my account was on autopilot and did not review statements for more than a year. At some point between XXXX XXXX and XX/XX/XXXX, I noticed that my account balance nearly equaled the initial amount of the dental work despite my having made monthly payments since the procedure.
I visited the CareCredit website to review all of my statements. Upon review, I discovered that I have been charged {$14.00} in " minimum payment fees '' and {$250.00} in interest XXXX the interest was charged in a two month period ). My initial balance for the procedure was {$870.00}. My account balance at the time of the first interest charge was {$600.00} and I was charged {$240.00} in interest that month alone.
On Monday, XXXX XXXX at approximately XXXX I contacted Care Credit and requested that they remove all of the fees from my balance. My request was refused despite speaking with a manager. I then paid my balance in full in order to avoid additional outrageous interest fees.
I contacted the dentist and discussed my issue with them. Upon request, staff at the dentist 's office provided me with a copy of the paperwork that I signed to enroll. Nowhere on this paperwork is the phrase " credit card '' written. The word " card '' is only shown in " office instructions '' not in the language directed at the patient. While the paperwork does mention that there is 23.99 % APR if the balance is not paid in full by a specified date, it also states that " if the APR is variable, the APR will vary with the market based on Prime Rates. '' The document does not state whether the APR is, in fact, variable. Moreover, it is unclear from the document how the APR is to be applied. The first interest charge of {$240.00} exceeds 23.99 % of the total initial balance of {$870.00} and far exceeds the balance at the time it was charged ( {$600.00} XXXX. The second interest charge XXXX {$18.00} XXXX is inexplicable. The only mention of CareCredit is the logo in the upper righthand corner of the document. Nowhere on the document are " minimum payment fees '' or late fees mentioned.
More than a year after making monthly payments on my initial {$870.00} balance XXXX totaling hundreds of dollars XXXX, my final balance was {$810.00}.
I was deceived into making a horrible financial decision because of the trust I placed in my healthcare provider. Had I been fully aware of the terms of the product, I would have made a different decision and likely borrowed money from family. CareCredit used my dentist 's position of trust and employed the dentist 's staff like sales agents to sell a credit-based promotional financial product.
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| 07/03/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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account card was opened on XX/XX/XXXX, with no interest for 1 year if paid in full by XX/XX/XXXX. card was use with care credit, which uses synchrony bank. We never received initial credit card in the mail, nor did we receive any bill associated with account. after 30 days, we contacted the company in reference to the account, and spoke with a representative who stated the company had an error on the account, no fault to us, and after making a payment over the phone, the representative stated the account was updated, and all fees that had been charged would be removed, and we proceeded to set up an automatic payment by giving our information to the person who stated payments would automatically withdrawl from our bank on the XX/XX/XXXX of each month in the amount of XXXX. after 2 billing cycles, we noticed a payment had not been processed on our bank account, so we called and spoke with a rep in XX/XX/XXXX regarding the account. we were told that there was an error, again, no fault of our own, which caused the information to not process on the account, and the rep would be able to ensure proper set up for automatic payments once we made a payment to bring the account back up to date. after making a payment to the rep, we provided our account information again, and the rep stated payments were to come out on the XXXX of each month in the amount of XXXX again, we were ensured that the fees would be waived from the account leading back to XX/XX/XXXX. now it is XX/XX/XXXX, and i contacted the company once again, because payments have not been coming out. the rep told me there was no record on file of the above mentioned conversations, however promised to remove a total of {$120.00} ( 4 months worth of late fees ). the rep refused to acknowledge the reasons why the previous times i gave my personal information nothing was done. also, stated that the company was not liable for the multiple fees and interested currently being charged monthly to the account that were never part of original agreement, nor authorized. there are several fees, each fee increases by the month, and each month the late fee increases by {$10.00}, and after MULTIPLE contacts, and attempts to resolve account issues, nothing has been done. when trying to view the account online, there is limited to no information available on the history, and there is an additional account not linked to my current account as well. i have had several recent inquiries to my credit report since opening this account in XX/XX/XXXXas well, and several online purchases via my banking information that were not authorized. i have issued an alert to both the credit reporting agencies and my bank. after speaking with a rep today ( XX/XX/XXXX ) i am certain that this company is not following proper regulations, and i am highly concerned that they might be behind our recent credit/banking issues. the original credit was for {$400.00}, and the current bill shows the balance is {$460.00}. there have been a total of {$210.00} since the account was opened, leaving the correct balance to be only {$180.00}, which is what shows on the website online via care credit. however, when directed to synchrony, it shows the {$460.00}, and that amount is comprised of a total of {$280.00} in fees! that is MORE than HALF the original balance when the account was opened! research online shows this is a common practice of the financial institution, and they have been reported numerous times for this, which according to records, is not legal, nor was it part of my original agreement when approved. my credit report also shows that a previous account, closed in good standing, paid in full, as being reported to be closed by collections, which i have disputed and resolved more than 1 time. the company continuously reports that closed account in this manner, and every time i have had to dispute it, and have it striked from my report. how is any of this legal or possibly still able to continue?
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| 01/18/2016 |
Yes |
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Web |
Older American |
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I am filing a complaint against Care Credit and the fraudulent way they are applying my payment every month. I have XXXX promotional purchases with them, XXXX for dental work and XXXX for the veterinarian I used. I have XXXX fixed account, for 48 months with payments of {$54.00} every month.
The other XXXX are deferred accounts and there is no interest if the accounts are paid off by XXXX/XXXX/XXXX, the payments for those every month have been {$35.00} each, every month. Once a payment of {$120.00} is made every month I was instructed by Care Credit to call and tell them exactly what amount is to be put on each account, I was told that this way my XXXX deferred accounts would be paid off on time and I would have no finance charges or late fees. Every month I make the same payment of {$120.00} and tell them exactly how to disperse the money on each account, and every single month it has been wrong. They are paying {$94.00}, {$92.00} and this month {$100.00} on the fixed account when the payment for that account is only {$54.00} a month agreed to by both Care Credit and myself. By doing this they are paying down my fixed account and not making the {$35.00} to EACH of my deferred accounts, which means at the end of this year those XXXX accounts will be behind, I will have balances and they will start charging me ridiculous finance charges and late fees. I have called every single month, I have keep records of the days I call, who I talk to at Care Credit, I have been referred to their ESCALATION SPECIALISTS 3 times now to get my accounts straightened out, I have asked that written statements be sent to me showing that the correct amounts have been put on the correct accounts so that I can see that they are indeed putting the money on the right accounts. I have never received those statements. I got a canned letter that says my account has been corrected but they never send a statement showing me that. I called once again XXXX and talked to a woman named " XXXX '', she looked at my accounts and said she saw the records of my calls and also said that the Care Credit account specialist took my payment that I specified but did NOT allocate I it correctly month after month. She said she was surprised because they were applying almost double my {$54.00} payment on the fixed account and not applying the correct amount of {$35.00} to each of the deferred accounts, which would put me behind every month and those XXXX accounts would not be paid off in time. Originally, I was told on XXXX/XXXX/XXXX by Care Credit to pay, {$54.00} on my fixed account every month, and {$35.00}.
on the other XXXX so that I would have the XXXX deferred paid off on time, so that 's what I was doing. However, they were NOT applying the money the way I told them too, noticed it on my bill that my XXXX deferred accounts were NOT going down, I called on XXXX/XXXX/XXXX and was referred to an ESCALATION SPECIALIST and was told by " XXXX '' that he had FIXED my accounts correctly, I asked for an itemized statement showing me that my accounts had received the correct amounts from the beginning, I got the canned letter, no statement showing me how my money was allocated. I called on XXXX/XXXX/XXXX and talked to " XXXX '' who told me that my deferred accounts were behind and that I needed to change my payments to {$40.00} eevery month on XXXX accounts and that there would probably be a balance of $ XXXX {$80.00} left to pay off in XXXX of XXXX. Now, I was told in the beginning to pay {$35.00} a month on each of those accounts, AND I DID. However, they were almost doubling my payments on the fixed account and NOT applying the {$35.00} on the XXXX deferred which put the accounts behind, leaving me a balance in XXXX where they then charge me late fees and finance charges of 26.99 %. I called again on XXXX/XXXX/XXXX and talked to " XXXX '' who looked at my account and told me that the wrong amounts were being applied again to my accounts, she said
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| 10/05/2023 |
Yes |
- Credit card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Older American |
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On XX/XX/XXXX, I filed a complaint with the NC Attorney General XXXX XXXX, and waited for a response. No response was received so in XXXX I sent a query asking about the status of the complaint. Then on XX/XX/XXXX, I received an email from the NC DOJ, ( XXXX XXXX XXXX XXXX Protection XXXX ) informing me that she had referred my complaint to the Consumer Financial Protection Bureau XXXX XX/XX/XXXX. ( I have received no communication from your bureau. ) She suggested that I re-file the complaint to your Agency The NC DOJ file number is : XXXX I will re-state the complaint : On about XX/XX/XXXX, I purchased a deck from XXXX XXXX, ( XXXX XXXX XXXX XXXX ) to be built at my home in XXXX XXXX XXXX XXXX The project XXXX was XXXX XXXX ) who was in charge of the installation. He signed me up for XXXX 's 24 month, no interest due if paid within that time period.
There were multiple delays on their part and so as the months went forward and the project was not started, ( but I was being charged and making payments to XXXXXXXX XXXX XXXX Synchrony ) I asked XXXX to cancel the project.
I then received a call from XXXX XXXX, asking me to speak to " XXXX '' he said the store XXXX. He said that she had news that I would be glad to hear. I called XXXX and she told me that XXXX would reduce the price of the project {$2000.00}. if I would go ahead with it. So I agreed and they came and built the deck and did a fine job I continued to make my payment when due without fail.
Then a year ago, last XXXX ( XXXX ) I called Synchrony and asked the Customer Service Representative what the payoff amount would be on the Deferred Interest Account, as I wanted to pay it off. She gave me an amount of {$11000.00}. I told her that I would be transferring that amount to Synchrony to pay off the XXXX XXXX account only. ( Because I had a regular account, ( that is not a Deferred Interest account ) that I was paying on also, that was separate from the Deferred Interest account that I was paying off and I wanted no mistake to be made. I intended that the {$11000.00} be used only to pay off the XXXX XXXX account. I also made a payment of {$210.00}, which was the payment due for that month on the other account. I asked the Representative to be sure that the money would be managed between the XXXX accounts in that way and she assured me that it would be. I continued to make my monthly payments in the amount that Synchrony sent me each month, thinking that the XXXX XXXX account was paid in full. ( Synchrony doesn't send a full statement per month on the accounts, only the payment amount. ) But then when I received my XX/XX/XXXX statement for XXXX, I discovered that I was being charged the full 24 month interest amount of {$6600.00} as though the Deferred Interest account had not been paid off!
I contacted Synchrony Bank several times, to be only transferred from XXXX representative to another. No one could offer any solutions, except XXXX did say that the {$11000.00} was partially applied to the " regular '' account. I asked at XXXX point to speak to a supervisor, and she said that it would take up to 60 days to review my account. I have not heard XXXX word from them. No correspondence from them either.
I have continued to make the large payments each month, even though they are charging me interest upon the XXXX XXXX .... I've made the payments.
Now in addition to my original complaint, I've discovered that without my permission, XXXX 's cashiers have put XXXX different purchase amounts into XXXX XXXX accounts!
I have asked an accountant to review my entire account with XXXX 's since the initial deck purchase, because they don't make it easy to understand what they and Synchrony are charging and billing you for.
As I said in my initial complaint to the NC DOJ, I am XXXX XXXX XXXX and work full-time. My money doesn't come easy. I hope that you can help me with this.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, NC XXXX
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| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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There are inquiries and addresses on my credit report that I did not authorize : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXXXXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX 4. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX 11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX -The following account is not mine nbsp ; SYNCB/TOYS Account Number : Please remove it from my credit report.
15. The following account is not mine XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.
16. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX 17. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX 18. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX 19. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one I would like it removed immediately.
25. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry
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| 07/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American |
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Please see letter written to Synchrony Bank, which provides all details of the dispute.
XX/XX/2019 Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX Dear XXXX XXXX : I am writing to you about a CARE CREDIT card I have with you. I have had numerous conversations with your customer service team in regard to a deferred interest issue and we have been unable to remediate the issue.
There have been numerous issues I have had throughout my time doing business with your company. Communication on your end has consistently been deceptive and unfair ; terms were not properly conveyed, and promises were made that were never kept.
When originally opening the card, it was presented as an easy way to pay medical bills that were unaffordable to me at the time. I am a senior and unfortunately, I was unable to pay large medicals bills in one bulk payment. As it was presented, your card seemed like a logical answer to my problem. I was advised if I paid a set agreed upon amount a month I would pay my balance off and not be charged any interest. Again, this was appealing to me as I do not have the income to pay excessive interest on top of the high medical bill ( s ). After opening the card, I made payments religiously and assumed my balance would payoff over the time set without any interest charges.
In XX/XX/2019, I received a bill showing I was charged an excessive amount of interest and I immediately called your customer service department to see what had happened. After speaking to a representative from Synchrony, I found out it was due to deferred interest charges. I explained the issue or misunderstanding in terms to the representative and she advised that she understood and that I could just pay off the principal balance and she would waive the deferred interest charged. She advised that this transaction would pay my balance in full. At this time, I paid the amount she stated was due ( {$360.00} ), and assumed the account was closed as paid in full as agreed.
The following month, I received a statement showing I still had a balance and I immediately called your customer service department. I was advised that the previous agent misspoke, and you would not be waiving any charges. I have called numerous times after this conversation and I been advised by management that nothing could be done. At this time, due to deferred interest, my balance is at {$920.00}, which is more than I originally borrowed.
Your practices have continued to be deceptive and misleading. I expect a company to properly convey the terms of the agreement and stand by what their representatives say and/or promise. Neither of these actions have been shown.
The CFPB has completed numerous studies showing many deferred-interest products lack transparency, which causes many consumers to not fully understand how deferred interest promotions operate and the manner in which interest is assessed on these products. A lack of transparency can harm consumers by impeding their ability to manage their finances successfully. The potential for confusion only increases if these accounts are used for other purchases as well.
Your companies lack of transparency has been extremely harmful to me and has caused a great financial burden and great deal of stress. I believe your CARE CREDIT product preys on the elderly in their time of need ( medical issues ) and your goal is to confuse people in a very vulnerable state.
At this time, I have decided to pay the minimum on the card until this issue is resolved, as my credit is being affected. As part of the resolution, I expect my credit to be corrected to show me as current and paid in full, with no delinquencies present. I now have delinquencies shown which is also hurting my ability to move into a senior living community.
Complaints have also been logged with the CFPB and FTC.
Please let me know how we can rectify this issue in a quick manner.
Thank you for your assistance.
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| 03/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Servicemember |
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On XX/XX/2019 I tried to use my PayPal MasterCard to make a purchase, at XXXX XXXX XXXX XXXX for {$210.00} ( U.S dollars ).
My PayPal MasterCard was declined, even though I knew there was more than enough of an available balance on my card.
I called the card customer service phone line, and spoke to gentleman named XXXX. He verified my information by asking for name, my credit card number, the security code on the back of my card, my address, my phone number ... all of which was repeated numerous times. After at least 15 minutes of this, he finally asked what my issue was. I explained to him my credit card was declined and I wanted to know why. XXXX first, proceeded to tell me, that he didnt know what was wrong with my account. Then it was because, my card is not connected to the PayPal server, due to securities reasons. The next argument he had for this reason was because my address was not verified.
He told me that in order to get my card working again, I would have to go to a grocery store to purchase a XXXX XXXX XXXX card, in order to unlock my account. He also said I would have to the PayPal credit card to try and make the purchase-even when i explained the card DID NOT work. He also told me that my account would be reimbursed after I purchased the card. I asked to speak to his supervisor, whose name was XXXX and sounded exactly like XXXX. XXXX insisted that this was PayPals policy and that I couldnt even the {$49.00} balance on my credit card, in order to cancel my card, until this was completed.
I went to a local grocery store and the only dollar amount for the XXXX XXXX card, was {$50.00}. I purchased the card, and called XXXX and explained to him that the PayPal credit didnt work. During this verification process, he also asked for my mothers maiden name ( which was never disclosed at any point in time during the application process or even after I was approved ). He began to get even more frustrated with me and asked for me to go back to the store because the verification code from the XXXX XXXX card was invalid. He wanted to me to purchase another XXXX card because I was invoiced for XXXX.
I asked to be transferred to someone in the continental US who would help and not scam me. I was put on hold, even though he didnt mute his end and kept making background noise to name it sound like a bad connection.
After being on hold for sometime, ( even though I could hear him ), he proceeds to give me another name ( which I cant remember ) and says he is the floor manager. I explained to him that he was the same person as XXXX and XXXX, just this time he was talking slower and sounded like he was covering his mouth with his hand.
Him and I argued continually about how I was not reimbursed for the first XXXX XXXX card I bought, and how I would not buy another. I demanded several times that he transfer me to someone state side. He said they dont have that number. I asked him where the corporate office was located. He was at least nice enough to give me that information.
On XX/XX/2019, I was unsuccessful to reach the Corporate office. I was however, able to contact someone at PayPal customer service. I paid the {$49.00} balance, but not until after I explained to the lady, how I scammed out of {$50.00}, and since their calls are monitored for quality and control purposes, that they should have ample evidence about the their so called customer service reps. ) I also asked multiple times to ensure my PayPal credit card was paid off and closed.
I am now out {$50.00} for that XXXX XXXX card, as I was not reimbursed, the code was invalid, because they used it themselves. ( I had my husband try to add the XXXX card to his account on his phone. ) Either way, its appauling, how a company as big as PayPal doesnt have a corporate number for consumers to reach them, especially when it is to tell them that some of their employees are nothing more than scam artists, liars, and theives.
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| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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1. On XX/XX/XXXX, I pulled my credit report and discovered how Synchrony Bank has been furnishing non-public personal information such as income and transaction history to third party credit reporting agencies. Such is considered income due to the fact that the reported monthly amounts Synchrony Bank falsely claim is due to them ; are in fact interest/dividend/gains etc., released through the purchase of my note, being the derivative transaction of my tendered, endorsed and signed registered security, due and payable to the consumer. Per the Internal Revenue Service, charge-offs/gains are considered taxable income, and my income is non-public personal information that Synchrony Bank has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, XXXX and XXXX. Those entities are 3rd party companies. 2. Due to the said actions of Synchrony Bank, I have faced socioeconomic discrimination in regard to credit transactions and I have been injured by the furnishings ( of my non-public personal information provided to a financial institution ) of the respondent. I have been denied credit and access to my human right of realization pursuant to 42 USC 1981. Pursuant to 15 USC 1681b Permissible Purposes ( 2 ), the respondent was never granted written consent. If in any way the respondent was granted written consent, it was granted to the respondent by way of extrinsic fraud and I the consumer rescind the respondent 's authority. The respondent 's unauthorized actions act as unauthorized use of my credit card and the action taken against me has caused emotional damage and distress. It is humiliating and embarrassing being denied my own credit. 3. Extrinsic fraud is an act of deception or misrepresentation outside the event itself which deprives the victim of material information or participation. Failing to inform the account holder [ omission ] of key material facts during the IPO is securities fraud. My original promissory note served as an application. Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. See 12 CFR Subchapter A part 202. 4. Per the FCRA, the term consumer report does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the reportAny authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Synchrony Bank has furnished my transaction history to credit reporting agencies. These actions have caused socioeconomic discrimination against me for I have been denied credit transactions due to the furnishing of the respondent. 5. I the consumer has never received a privacy notice. Privacy notices must be clear and conspicuous, meaning they must be reasonably understandable and designed to call attention to the nature and significance of the information contained in the notice. The regulation does not prescribe specific methods for making a notice clear and conspicuous but does provide examples of ways in which to achieve the standard, such as the use of short explanatory sentences or bullet lists and the use of plain-language headings and easily readable typeface and type size. Privacy notices also must accurately reflect the institutions privacy practices per Regulation P - Privacy of Consumer Financial Information. 6. If the respondent 's answer to this complaint is served upon me by an attorney or any member of the XXXX XXXX XXXX, I would hope they heavily consider their oath whereas it states " I solemnly swear that I will support the Constitution of the United States, that I will faithfully discharge the duties of the office of attorney, and that I will conduct myself at all times with integrity and civility. '' Any action against this oath is misconduct and actionable per se.
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| 01/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I suspect that PayPal Credit may be culpable of predatory lending practices.
I have a PayPal credit account and have utilized it since the days it was known as " Pay Me Later ''. I utilize this account often for online purchases because of the advertised " Deferred Interest '' promotional offers on purchases of {$99.00} or more. Sometimes I have three or more of these promotional balances overlapping within a 4-8 month period because it is convenient.
In addition to that, I also take advantage of another " Easy Payment '' program which PayPal offers for large purchases of {$2000.00} or more. These programs require a monthly minimum payment.
The " Deferred Interest '' promotions are structured such that interest begins accruing as of the date of the purchase. If any portion of a purchase promotional balance is not paid within the promotional term, the total accrued interest to date is charged to the consumer.
The " Easy Payment '' program on the other hand, is a 0 % interest for a number of months as long as it is paid in full within the term and that you never miss the monthly minimum payment.
I have attached a screenshot of a table listing my current promotions and easy payment balances as of XX/XX/XXXX ( see attached documents ) As you can see from the attached documentation, I have 4 deferred interest balances all due to mature between XX/XX/XXXX and XX/XX/XXXX. These balances have accrued interest as of the date of the purchase.
I also have 2 Easy Payment balances due to mature in XXXX of XXXX - these were 24-month 0 % interest promotions. They remain 0 % interest promos as long as the minimum payment is made every month.
Based on the above table, I have calculated the minimum bi-weekly payment required to ensure that I pay off the balances, in full, before the payoff date, thereby not incurring any accrued interest and/or penalties. I have consistently made bi-weekly payments.
Unfortunately, PayPals default payment allocation method is such that if a consumer has concurrent " Deferred Promotional '' balances and " Easy Payment '' balances, then the entirety of each payment is always applied to the " Easy Payment '' balances and NO portion of the payment is applied to any other balance until the " Easy Payment '' balances are fully paid off.
That is, unless the consumer contacts PayPals customer support and asks to have payments re-allocated as per the consumer 's best interest. I have done this several times over the past 2 months, but the requests have not yet been fulfilled and my on-going payments continue to be fully allocated to Easy Payment balances, whilst no portion of my payments have been allocated to any of my deferred interest balances. Customer support claims that payment re-allocation requests take 1 - 2 billing cycles to process. You can see this is evident from the chat with customer support as well as my statements in which one can see that payments are not being allocated at all to deferred interest balances ( see docs attached ).
PayPal does not provide an option to set the preferred allocation method that best suits the consumer.
This creates several problems : 1. The unsuspecting consumer, who makes multiple payments as I do every two weeks, may be unaware of the fact that their deferred interest balances do not decrease while they continue to accrue interest.
2. Payment allocation requests take a very long time to fulfil, meanwhile, interest on the deferred promotional balances continues to accrue.
3. All of this puts the onus on the consumer to have to contact PayPal Customer support, continuously, to ensure that they are doing their job and in a timely fashion.
4. If an unwitting consumer does not continuously contact PayPal to ensure they are doing their job in a timely fashion, the consumer will be charged accrued interest.
Put this all together and it is easy to see how this might be construed as a predatory lending practice.
|
| 02/01/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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|
Web |
Servicemember |
|
On XX/XX/XXXX, I had purchased an item for {$2900.00} from XXXX XXXX XXXX after getting approved for a Synchrony Bank credit card. This card was a 0 % interest if paid in full within 12 months card. Immediately I had done the math and set up automatic payments of $ XXXX ( leaving the last month to be less than {$250.00} ) to pay off the card in 12 months. These payments were coming out on the XXXX of every month starting XX/XX/XXXX. I never logged back into my Synchrony account once the automatic payments were started and going out every month without a " glitch ''. XX/XX/XXXX I received an email, which unfortunately I did not see in my inbox, that my automatic payments were cancelled, then a follow up email that they were restarted, which I did not perform these actions. My XXXX payment of {$250.00} still went out normally. But on XX/XX/XXXX Synchrony tried to charge me the remaining balance of {$2100.00} which bounced because I do not keep that amount of money in the account the payments are coming out of. I did not notice any of this as I do not log into the account, nor did I receive any notification ( email, phone, etc. ) that my XXXX payment was missing as they tried to charge me the remaining balance without my authorization. Once I noticed, about XXXX, that my {$250.00} payment to Synchrony did not go out, I logged into my Synchrony account to find out what is going on. That is when I found out that they changed my automatic payments from {$250.00} to " The remaining balance '' back on XX/XX/XXXX without my authorization, and that is when I searched my email inbox and found those emails showing that they changed my automatic payments to pay the remaining balance. I also got charged a late fee of {$30.00} since my {$250.00} didn't go out, and the {$2100.00} charge bounced. I contacted Synchrony about what happened and they stated that it had to be me who changed the automatic payments to " remaining balance ''. At this time I changed the password to my Synchrony account, and had Synchrony Support, help set up my automatic payments again to {$250.00} a month to insure that I did not set up the automatic payments wrong ( even though all the payments that I had set up earlier from XXXX went smoothly ). I also paid XXXX 's {$250.00} so I wouldn't be behind in payments. Now that everything was setup by Synchrony XXXX everything would run smoothly correct? WRONG. With my automatic payment set up at {$250.00} on the XXXX of every month by Synchrony themselves, again XX/XX/XXXX they tried to charge me the remaining balance of {$1900.00} which again bounced for the same reason as before. But this time, instead of marking the payment as late, they tried charging the same amount again on the XXXX of XXXX but I had that amount of money in the account at that time as I had received a refund from my University between charges. Them charging me {$1900.00} drained that account completely and I still had other bills that needed to come out of that account which has caused financial stress for the rest of XXXX. I am a XXXX veteran who is a XXXX XXXX XXXX living off of my XXXX pension that I get the 1st of every month, so I live on a fixed income. Anyway, I contact Synchrony again on XX/XX/XXXX, and this time they acknowledged that it was their fault, and that the " system glitched '' and tried to charge the remaining balance. They said there was nothing that they could do besides send a physical check of what was charged minus the XXXX payment of {$250.00} by mail that would take 3-5 business days to arrive. So this check should be in the amount of {$1600.00}. As I am writing this, it is XX/XX/XXXX and I have not received the check, but they already put my remaining balance back to {$1600.00} on the credit card account. In short, they racked up a ton of late fees for me, from them and my financial institution, they have caused financial stress and anxiety, and they still have my {$1600.00}.
|
| 04/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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Around but no earlier than XX/XX/2020 - I checked my credit score on XXXX XXXX. It was negatively impacted because it showed an estimated {$18.00} charge to my Banana Republic Visa Card by Synchrony. I was upset because I had a {$17.00} on my previous statement which closed on XX/XX/2020. I had not used my card since the previous statement ( until an online purchase yesterday XX/XX/2020 ) and California has been on stay-at-home orders since XX/XX/2020. I immediately called my credit card company to see what the charges were. It showed 4 balance transfer charges. I have never transferred funds to a credit card from another card. Due to COVID-19 the person I spoke with said they had a limited view of charges but that he would make sure that I would not be charged. He said he would XXXX out the balance, removing {$18.00}. I said it should be more than {$18.00} because I had a credit balance and there are 4 charges. He said that is all that he would be able to remove. I asked to have the account temporarily frozen because I wanted to make sure that no weird charges reappear. He said he couldn't do that that he could only close the account and send me a new card.
A few days later, I received my bill and it clearly showed 4 balance transfer charges. I called again to get this removed and was told that it would be removed.
A few days after that, I received my credit card. I called in. It said I had a {$0.00} balance rather than a credit balance of {$17.00}. I called again and told XXXX that I needed this removed and I told him that I had similar {$9.00} fraudulent charges from the previous year and this was already the 3 credit card I from them that I have had within the last 6 months. I wanted to find out exactly what these balance transfers were from and he confirmed to me that these were balance transfers from fraud that had been removed from last year which were from a company called XXXX. I had looked up XXXX and it seems to be a company that looks at how many clicks a person or company gets. I don't social media and I don't personally sell any items on any platform ( my work does sell online but I have never used my credit card to track their clicks ) so I have no need to track any clicks and the fraud was previously removed last year. XXXX said he was confused and wasn't sure why it was re-charged to my account because it had been settled last year. He assured me that it would be removed.
Late yesterday XX/XX/2020 afternoon, I received a letter by email from Synchrony dated XX/XX/2020 confirming the removal of the {$18.00} charge that the first person already helped me to remove and it showed that I had a {$0.00} balance. I called again because indicated that the balance was still {$0.00} rather than a credit of {$17.00}. I was told that the fraud department was closed and I needed to call back today between XXXX ET.
I called this morning and was told that it had been removed in XXXX which didn't make sense because I wasn't even aware of this until after the XX/XX/2020 billing cycle. I was told that I would be able to see the change online. But I had just used the call in system that said the balance was {$0.00} as the purchase had made on XX/XX/2020 had not gone through yet. I was then told that it would take until the next billing cycle for this to appear but it was taken care of. I was put on hold for over 20 minutes and was told that he was going to reach a manager who he was not able to get a hold of.
Right now, I feel that I have been repeatedly liked to and the only persons that were at all helpful was the first person I had spoke with who at least removed {$18.00} to XXXX out the balance and XXXX who confirmed that these charges were the ones previously removed as fraud charges and should never have appeared on my card. The credit card company has wasted much more than {$36.00} of my time and at this point I've been calling in for the principle of the thing.
|
| 08/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
Servicemember |
|
On XX/XX/2020, approximately XXXX CST, I submitted my application via the Sam 's Club website for a Synchrony Bank consumer credit card. I was provided a notice that I would receive a letter. Understanding I have a fraud alert on my credit I presumed I would receive a call shortly following my contact verifying that I was the person who applied for the Sam 's Club Credit Card.
At the same time I received notification that I would receive a letter regarding the decision on my card, my wife said she would apply and did so. When my wife applied she was approved for a {$2000.00} limit, but when she opened the credit card agreement she was met with a credit score number more than 200 points less than her actual credit score per XXXX XXXX and logging into her XXXX XXXX account ( XXXX XXXX was the reported score ). When logging into XXXX XXXX she was met by the very number that was also on her XXXX XXXX account.
Feeling something was off I contacted Synchrony bank at XXXX XXXX XXXX XXXX and was speaking with an individual who was cutting out and had dogs barking in the background. While people are working from home I explained it was difficult to hear her and could she please forward my call to another representative who may be in a more appropriate location or in an office. The representative agreed to transfer me and the call abruptly ended.
Annoyed, I called up my XXXX XXXX account and it too was 100 % consistent with the XXXX XXXX Reporting score ( more than 700 ). I called and spoke with a representative who advised there are multiple different scores available but the scores would never be 200 points different as was my wife 's experience.
Approximately XXXX XXXX CST I contacted Synchrony Bank for Sam 's Club Consumer Card and advised them I believed there was a problem. Sam 's Club/Synchrony Bank call center reports ALL calls are recorded so this would be great evidence. I explained to the lady there was obviously a problem and I would like to see if it could be resolved as I have had several Synchrony Bank accounts ( as they are one of the largest banks in the US ) as well as maintained a Membership with Sam 's Club for more than a decade.
The operator listened to me ( occasionally it sounded as if she was stifling a laugh but I gave her the benefit of the doubt she may have congestion or some other ailment. The operator said " I'm sorry, there is nothing I can do. '' I said is there a manager or director who could assist me? She replied, " yes, I can transfer you to my supervisor '' and immediately the call was disconnected yet again.
I'm attaching a screenshot of my XXXX XXXX score with a date/time stamp included. This was consistent with the reporting of my actual TransUnion account as well. I verified the spelling of my name and last 4 of my social with the operator who I was hopeful would assist me. I paid off a Synchrony Account three months into the 48 mos 0 % interest credit offer for my lawn mower. I offered to fax any verification documents to the underwriting department with Synchrony insisting there was a clear problem with the system, or at least the reporting.
Synchrony Bank will lose my business as I will no longer pursue credit options with their institution. Synchrony Bank is reporting inconsistent credit scores from major credit reporting agencies ( none of which were actually given permission to hold any of my personal information anyway ). Synchrony Bank does not allow for a dispute resolution, or other means of resolution without seeking outside assistance. I would employ the CFPB to investigate how many other applicants were denied with incorrect reporting numbers by Synchrony Bank for the Sam 's Club Consumer Credit Card. I also want my reporting with Synchrony Bank immediately corrected and a formal apology by their CEO ( which I know will never happen because that means someone would actually have to accept responsibility for a problem ).
|
| 05/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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I made two purchases with a merchant with Synchrony Bank through PayPal Credit. One was for {$260.00} and the other was for {$480.00}. Each was done within a short time of each other and done by myself and the merchant in an identical way. Unbeknown to me the {$480.00} was put into the normal six month payment plan and due in XX/XX/2020 and the {$260.00} was put into some kind of cash program that I never heard of and was not asked if I wanted it to go there. I had plenty of credit available in what they call the Special Financing Program which gives six months interest free. I spent nine hours on the phone with Synchrony Bank last week and they could not figure out what went wrong. I figured out what went wrong and they clearly have an IT problem and mistakingly put the {$260.00} into the incorrect area, something they call a " cash payment '' which I have never heard of before. This is the first part of my complaint.
The second part has to do with what they did next. On XX/XX/XXXX I paid {$300.00} to get rid of the {$260.00} and to pay the minimum amount due which was {$29.00}. so I do not get charged a hefty interest charge on XX/XX/XXXX. Instead of applying the {$300.00} to the soonest payment due they wrongly applied it to what is due next month on the 6 months with no interest plan. However, they had no trouble applying {$29.00} to the minimum amount due. I called them again and spoke with three people including a supervisor and I did not get any answer of consistency out of any of them which is why I am being forced to file this complaint. I am an XXXX and I have an XXXX in XXXX from the XXXX School thus I am not a slouch in understanding basic finance. Any payment should be applied to the soonest item due or someone would have to pay off their entire loan to get to the soonest amount due which would amount to an unbelievable amount of interest due. Synchrony Bank apparently does not understand or want to understand this though strangely they have it figured on in their Special Financing Program that they apply payment to the soonest amounts due. They have stated in an unapologetic way to me that a mistake was made in their software and yes my payment should have been applied to the soonest amount due which should not even be the case if their software worked in the first place with this amount being put on the intended six month plan. I have been not been verbally assured that any errors are going to be corrected before interest is charged on the {$260.00} on XX/XX/XXXX. I also have no faith in anything that this bank verbally says to me because they have said false things to me before that were simply not true, i.e. I can have until XXXX to pay off my amounts that are due on XX/XX/XXXX. Therefore the second complaint is that I want my payment of {$300.00} applied to the {$260.00} as it should have been so that no interest is due. I have attached screen shots of the {$260.00} still due, the {$300.00} that was paid on XX/XX/XXXX and the six month Special Financing Purchases and the XXXX that the {$300.00} was wrongly applied to and now wrongly paid off.
This entire matter is a result of a bank that has a very XXXX up IT department or IT subcontractor that does not know what they are doing. I find Synchrony 's software and thus website to be very dysfunctional and then to add insult to injury the staff is very poorly trained and has no ability to understand the mistakes and has no desire to fix anything. The bank needs to hire some experienced bankers, especially at the supervisor level so that there is an ability to fix these problems when they arise. They all need training in how to handle customers, the customer service is about the poorest I have ever experienced. As. result I am going to minimize my future usage of this account because I can not continue to spend the hours on the phone that I have and accomplish nothing and be treated terrible in the process.
|
| 08/20/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I only took out this credit card account to pay for car repairs and this was offered to me at the Pep Boys store as a solution. I only charged {$500.00} to the card on the day I picked up my car. I have never used it for anything else. However, I began having bizarre issues with Synchrony from the moment I signed up. Their website was continuously unable to load after I had signed up, so I was never given my account number and then told when I called that I could not be given the number over the phone. The actual credit card was supposedly mailed to me but I never received it. Although I signed up with my email, I have only ever received one welcome email from Synchrony and no other type of electronic correspondence. On XXXX/XXXX/2016 and I randomly received a call from Synchrony about my payment being late. However, I was never sent any information about a billing schedule or payment due date prior to this phone call. I told them I did not even know my account number. After apologizing and paying {$60.00}, I asked to sign up for auto pay to avoid any problems in the future, but I am told that they are not authorized to do that over the phone. I am told I can only do this through their website, which when I try to use does not load. I called about the problem and was told to retry it later and still given no way to enroll in auto pay. When I still ca n't interact with their website at all later, I call again and am told I will be mailed a form for auto-pay that I can fill out and mail back to them. I expressed concern about my personal account information having to be mailed in and requested that it be sent to my email instead, but am told that they are not authorized to send emails. I have only ever been communicated with about my account after something is late and never before s payment is due. I have never been sent any form of notification that anything is due and I have been provided with different dates when I ask via the phone for the next billing date. Yesterday I received yet another phone call about overdue payments and pay {$210.00}, but strangely the only way I am allowed to pay is by providing my bank information instead of paying with my debit card as I had before. I asked for receipt of my payment to be sent to my email so I would have record of the transaction and they refused and said I could only get a receipt in the mail within 7-10 days. I called them back later to ask how much was left to pay off on the account and was informed that I still owe {$760.00} ... on a {$500.00} charge I made in XXXX ... .even though I had made 3 payments so far ( {$60.00} + {$60.00} + XXXX ). I asked for an explanation of why my balance was going up instead of down but was provided with zero information. I was also then told that I still owed {$210.00} despite having just paid it. This is extremely suspicious and needs to be investigated. I have zero record of anything relating to my account, have never received any notifications about payments, and have never seen a single statement that would explain how it is possible that I still owe {$760.00}. I do not know if the actual card I never received in the mail was sent to someone else who is adding more charges to the account or if this is some kind of fraud where they are adding random fees to my account without informing me. I want to settle the balance I should have owed based on the original amount I charged to the card I would have owed when I signed up and then close the account. I do not want to pay over the phone since they will not send a receipt of the transaction. I do not have an account on their website and do not feel comfortable using it based on these experiences. All I have been trying to do since XXXX is get my money to them on time, but everytime I call them they are " not authorized '' to make this possible. My account should have been paid off in XXXX, but they made this impossible for me to make payments.
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| 01/06/2016 |
Yes |
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Web |
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In XXXX of 2015 I had an emergency with a pet and due to the amount of the veterinary services it was suggested to apply for a Care Credit account through Synchrony bank to help defer the balance and made a {$25.00} payment and a {$45.00} payment. I was later contactacted in XX/XX/XXXX by an automated system to confirm payments and spoke to a representative to try and be clear about the payment scheduling and options. After speaking with the representative I set up an auto withdrawl on the XXXX of each month for {$50.00} a month from my XXXX XXXX account with the understanding the interest would be due on the entire amount if the balance was not paid by XXXX 2015. I was unware that there was a ZERO grace period for payments with an automatic due date generated for the XXXX of each month and each payment since I had spoken to the Care Credit/Sychrony bank representative in XX/XX/XXXX was approximately 10 days late and I was charged a late fee between {$25.00} and {$35.00} every month for late fees. I had only set the auto payments through XXXX of 2015 and began receiving regular calls from the sychrony bank automated collection system beginning approximately XX/XX/XXXX and planned to pay off the balance on my next payday in XX/XX/XXXX as I am paid monthly on the XXXX of the month. I found in the automated collection system that I have a {$410.00} on an orignal bill of {$500.00} with approximately {$270.00} in late fees and {$90.00} in interest since XX/XX/XXXX ( regular payments were made monthly through XX/XX/XXXX ) I was extremely upset to find out the {$320.00} I had paid via my banks automated bill pay system following the conversation with the XXXX XXXX Bank did n't even cover the late fees. I finally got through the automated system and was assisted by " XXXX '' who informed me of the late fees since XX/XX/XXXX and confirmed th {$410.00} balance due and then by " XXXX '' who stated she was located in XXXX XXXX and the only thing they could help me with was making the {$87.00} payment due on the {$410.00} balance. I then asked to speak to someone in America. I then spoke to " XXXX '' who informed me there was nothing they could do it was my fault and representatives at any level are only allowed to remove XXXX late charge every calendar year ( 12 months ) and I was out of luck. I requested to be transffered to the corparate headquarters and " XXXX '' inofmred me that she wopuld be able to transfer me one more time and they would tell me the same thing. I told her that was unacceptable and this is what is wrong with our country and that the banking system and intitutions like thiers were the problem with our country and I felt like was like being robbed. I then spoke to " XXXX '' who asked for my billing address. I gave her my address, reitierated my story, told her " XXXX had already infomred me that she could n't help me and asked for corparate headquarters contact information and for an actual person to address my concerns with. She informed me that there is no one else to speak to in the organization and the are directed to have customers send inquiries and complaints to " Correspondence '' at a XXXX. XXXX in XXXX Florida. ( XXXX. XXXX XXXX - Zip XXXX ). I told her that was unnacceptable and absolutely wrong that a finacial institution could treat individuals this way with no course of remediation or contact with an actual person in the organzation outside of the customer service call centers around the world. All of these calls were recorded as per each representative I spoke with and when I asked how I could attain the recordings " XXXX '' informed me they would need to be subpeonaed by an attorney. I have made timely payments following the contact I had in XXXX of 2015 and I am stunned and extremely saddened that the American Banking system and regulations allow institutions like Synchrony Bank to take advantage of and fleece the average American consumer like this.
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| 09/22/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Applied for CareCredit Card ( XXXX XXXX ) on XX/XX/2018 never received my card or statement to pay bill. I received phone call and voicemail from Care Credit on XX/XX/2018 were I spoke to a representative and she wanted to verify activity on my account. Shockingly she rattled off a XXXX XXXX Nevada address I instantly corrected her with my new correct address and then asked her where this XXXX XXXX address can from? She mentioned that there must had been an error when completing my application in my doctors office. I explained to her that it wasn't possible because I verified my address on the screen. The customer service representative asked me to verify once again my address and said I would be receiving my card within a couple weeks that that she would cancel the old card that was sent to the WRONG address and that meant my account number would be changed. In XXXX I called the Care Credit company asking them what was going on because I hadn't received a statement by mail. I had also mentioned to them that I had NOT received my card they said that they had sent it out my card and verified it hadn't been sent back to the company. I asked her to verify my address and to my surprise once again said a XXXX XXXX Nevada address. I said once again asked them to change my address to my CORRECT address.They wanted me to make a payment over the phone and stated that I had a late fee. I ask them to waive late fee due to not receiving my card or statement. I asked them if they would give me my account number so that I would be able to pay online they said that they were unable to give me that information over the phone. The representative reassured me that I would receive my statement and card in the mail within seven business days. in XXXX I received a ONLY a statement and no card. I setup my account online and stated making my payments. On XX/XX/2018 I open and was approved for a JCPenny 's credit card. In XXXX I called the company in regards to NOT receiving a statement and card. The representative wanted to verify my address and once again the representative rattled off a XXXX XXXX Address I mention to her that it was very odd because my Care Credit card had the same mistake happen. To my surprise the representative said that they are XXXX XXXX and they partnered with JCPenny 's as well as Care Credit. She corrected my address for my JCPenny 's account and looked into my Care Credit account and mentioned that, that account still was under the XXXX XXXX I explained to her that I had already made an online account but I hadn't received my card yet after five months of waiting. The representative mentioned that my account was flagged for Fraud Behavior she transferred the call to the fraud department. I corrected my address for the 5th time with this company and asked them to please note on my account that my address is not to be changed. I also asked to make sure this would happen again and to waive any late fees because once again my account numbers for both card were to be changed. In late XXXX I hadn't received anything int he mail and I called and asked to be sent to a manger and they directed me to the fraud department I spoke to a representative and same thing happened the address was THE WRONG ADDRESS!!!! she said that she would express mail my cards to my correct address. I called the CFPB right after I got off the phone and spoke to a gentleman and he stated that if I didn't receive my cards in the mail that I should go online and make a complaint. I received my cards early this month XXXX and I knew that my payments are due for both cards on the XXXX of XXXX which is today that I am writing this complaint. I went online to setup my new accounts to pay my bills and on both accounts ONCE AGAIN my address is the XXXX XXXX address I am unable to change it to my correct address on the JCPenny 's account and I am wary to make a payment if my personal information is incorrect!
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| 08/16/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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On XX/XX/2023, I dispatched a facsimile to Synchrony Bank/AMZN ( fax number : XXXX ) containing a notice of intent, along with comprehensive information outlining the specifics of my trust agreement for the account. It's essential to note that the account in question bears my full legal name, which matches the name associated with the account.
Subsequently, on XX/XX/2023, I sent a package via XXXX, which included a notarized Treasury Form XXXX, functioning as a XXXX XXXX XXXXy, in tandem with explicit instructions. The corresponding Certified Return Receipt ( CRR ) tracking number for this package is XXXX XXXX XXXX XXXX XXXX.
Continuing this chain of communication, on XX/XX/2023, I also transmitted the aforementioned XXXX XXXX XXXX XXXX XXXX ) form to Synchrony Bank/AMZN via fax ( fax number : XXXX ). An acknowledgment of receipt was received, affirming the completion of this transmission.
In the financial context, on XX/XX/2023, I issued a payment to Synchrony Bank/AMZN amounting to {$3000.00}, in concordance with the parameters outlined in Form SF233. Regrettably, this payment was subsequently returned on XX/XX/2023, accompanied by the reason provided as " the item received is not an acceptable form of payment. '' Seeking resolution, I submitted an additional payment to Synchrony Bank/AMZN XXXX XX/XX/2023, valuing {$110.00}, with USPS tracking XXXX XXXX. However, this payment was neither applied nor returned by Synchrony Bank/AMZN XXXX
On XX/XX/2023, I executed a payment transaction amounting to {$5000.00}. Astonishingly, Synchrony Bank/AMZN retained this payment and declined to return it. Curiously, the email correspondence I received from Synchrony Bank/AMZN referred to this payment as an " inquiry, '' further asserting that they had received only the payment return portion of my billing statement on XX/XX/2023, devoid of any accompanying check or money order. I refute this claim with firm evidence, as I employed USPS CRR tracking number XXXX to mail the aforementioned payment instrument. This circumstance indicates that my {$5000.00} security instrument has been inappropriately withheld by Synchrony Bank/AMZN XXXX alongside other submitted instruments.
Continuing to navigate this situation, on XX/XX/2023, I dispatched a payment instrument totaling {$3000.00}, supplemented by explicit instructions, through USPS CRR tracking number XXXX.
Alarming developments transpired on XX/XX/2023, when I initiated a communication with Amazon, seeking clarification on the status of my account. Shockingly, the representative informed me that my account had been " closed, '' a revelation delivered without any prior warning or notice.
Of significant concern is the absence of any indication or communication regarding the late status of my account, whether through XXXX, XXXX, or XXXX warnings, or any other form of notification that my account was in jeopardy of being closed.
Despite my efforts to establish communication and facilitate payments through various channels, the actions of Synchrony Bank/AMZN have been marked by a lack of adherence to consumer laws, and, by extension, numerous violations of the UCC, FCBA, TILA, CFPB, UDAP, and contractual agreements. This egregious conduct encompasses a breach of both contract and trust, thereby infringing upon my rightful claims to title, interest, and rights. My diligent efforts to substantiate this assertion are supported by evidence, including fax transmissions, phone conversations, and transcripts of online chats.
It is my steadfast belief that my rights as a consumer have been unjustly curtailed, and that the legal protections safeguarding consumers have been blatantly disregarded. I implore immediate attention to this matter, along with a comprehensive resolution that addresses these infractions and reestablishes my rightful access to the account in question, complete with the full complement of benefits and privileges.
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| 03/03/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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On XX/XX/2020, I was online looking forward to buy a pair of legging by XXXX for my daughter, I XXXX XXXX and entered the official company 's website, I found that the legging was on sale for {$58.00} instead of {$98.00}, I was so excited so I bought 2 pairs for {$58.00} each and paid {$110.00} using my PayPal Credit. Next morning, I told my daughter about the purchase and she was excited, we checked my email and didn't find the confirmation email that normally we received from the sellers to confirm the purchase, instead, I received an email from XXXX that has the companies logo on the email which kind of weird for a big company to use this type of email, I asked if they are XXXX and never received a response. The email I received from XXXX was to inform me that they received my order and will send me an email once they ship the items, in the email there was 2 box to click on, one to view my order, the 2nd one is to view the companies website, I clicked on each box and each time I received an error message, I thought there was an issue with the companies website and I should just wait for the shipping email which it never been sent! I've been trying to contact the seller and no response. I called PayPal to report this scam and to get refunded since I was sure that this what happened ( Got Scammed ). PayPal contacted the updated the open case after they contacted the seller and gave them a tracking number and assure that the items been shipped. It took I think 3 weeks maybe more till I received the package in the mail. The package was so tiny you start wondering how they were able to fit 2 pair of legging into that one? Anyway, I opened it and find out that the seller sent A TINY POLISHING CLOTH!!!! NOW I KNOW FOR SURE I'VE BEEN SCAMED! I called PayPal right a way who btw did nothing from the start and let me waited all that time for nothing and closed the open case without even call me to make sure I received my items. And here I ' am open ANOTHER case with and the reason this time was items not received. I sent PayPal everything that I felt it's important to proof my case, I sent the confirmation email I received from XXXX, pictures of what I received, the email address, a link to people who's been victimized by XXXX. Their answer was " What happens next? Once confirms that they've received the item ( s ), we'll process the refund and close this case. If your seller doesn't confirm receipt of the item ( s ), we'll continue our review and evaluate your tracking information ''!! WHAT??!!! IS THIS FOR REAL?!!! So PayPal asked their customer ( ME ) to PAY for the shipping to send back a polishing cloth to an address I'm sure that it doesn't exists and then wait for a SCAMMER/HACKERS who doesn't exists to confirms that they've received the item! REALLY?!! Why PayPal did not wait for me too to confirm that I received the correct items before they closed my case? Who's side is PayPal with? Their customer or scammer?!! PLEASE I NEED HELP! I'M SO UPSET OF WHAT PAYPAL MADE ME GO THROUGH AND NOW ACTING THAT IT'S OK TO BE SCAMED INSTEAD OF DOING SOMETHING TO THIS KIND OF ACTS, PAYPAL FAILED ME BIG TIME. I got abused twice, one by getting scammed, and one by PayPal who let me go through all this and make it harder for me to get my money. I feel right now that companies like PayPal encourage these scammer to scam more innocent people by acting like they are really exists! There are more people been victimized by the same one. HOW MUCH THESE THIEVES STOLED FROM ME AND OTHERS LIKE ME? IF the scammer wants their item back, then they needs to pay for the shipping NOT me. I am going to file more complaint about these type of shady acts that I feel it grows more and more by the help of companies like PayPal that fail their customers and never refund or take any actions against these scammers! This is a link about other victims that been victimized by the same person/s ** https : XXXX XXXX
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| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Subject : Complaint and Urgent Request for Compliance I hope this communication finds you in good health. I am writing to you regarding some substantial concerns I have uncovered during my thorough examination of the operations of XXXX XXXX, XXXX XXXX XXXX XXXX Synchrony Bank, XXXX. As a conscientious consumer and advocate for ethical business practices, I believe it is crucial to bring these matters to your attention for immediate investigation and resolution.
1. Opting Out Violation ( 15 USC 6802-6805 ) : Upon reviewing the legal framework provided by 15 USC 6802-6805 , which empowers consumers to opt out of financial information sharing with institutions, I have observed potential instances where XXXX XXXX, XXXX XXXX XXXX, Synchrony Bank , and XXXX might not be fully adhering to these statutory provisions. This has raised concerns about the protection of consumer privacy rights. It is my earnest request that your team conducts a comprehensive review and takes necessary steps to rectify any non-compliance issues promptly.
2. Credit Report Accuracy Infringement ( 15 USC 1681 ) : In the course of scrutinizing my credit report obtained from XXXX , XXXX and XXXX , I have uncover discrepancies that may be in violation of 15 USC 1681. This crucial federal law mandates the accuracy and fairness of credit reporting, placing a responsibility on entities like XXXX XXXX, XXXX XXXX XXXX , Synchrony Bank, XXXX to conduct thorough investigations and promptly rectify any inaccuracies. Ensuring compliance with this law is vital for maintaining consumer trust and confidence.
3. CFPB Complaints Negligence : My investigation has brought to light a potential neglect in addressing and resolving complaints submitted to the Consumer Financial Protection Bureau ( CFPB ). Failure to actively engage with and resolve these complaints is a direct violation of CFPB regulations. I urge XXXX XXXX, XXXX XXXX XXXX , Synchrony Bank, XXXX to conduct an in-depth internal review, recognizing and rectifying any shortcomings in addressing outstanding complaints. This proactive approach is not only essential for regulatory compliance but also crucial for upholding the reputation of your organization.
4. Privacy Act of 1974 Non-Compliance ( 5 U.S.C. 552a ) : Preliminary findings suggest a potential non-compliance with the Privacy Act of 1974 ( 5 U.S.C. 552a ). This federal legislation mandates precise management of personal information by government entities. Any deviation from its stipulations requires immediate attention. I strongly recommend that XXXX XXXX, XXXX XXXX XXXX, Synchrony Bank, XXXX initiates an immediate internal audit to ensure strict adherence to the Privacy Act. Proactive steps in this regard will not only align the organization with legal mandates but also enhance overall data protection measures.
5. General Redress and Compensation ( 15 U.S.C. 1681n ) : The collective impact of these infringements has resulted in both quantifiable and intangible harm. In accordance with 15 U.S.C. 1681n, I formally demand XXXX XXXX, XXXX XXXX XXXX , Synchrony Bank, XXXX to provide due compensation for the distress and material losses borne as a direct consequence of these transgressions. This includes but is not limited to the time and effort expended in rectifying inaccuracies, emotional distress, and any financial repercussions suffered.
To facilitate a fair and swift resolution, I kindly request a comprehensive response addressing each of the highlighted concerns within [ a reasonable timeframe, e.g., 30 days ]. I believe that your immediate attention to these matters will not only lead to a swift resolution but also uphold the integrity of legal mandates and safeguard the rights and interests of consumers.
Thank you for your prompt consideration. I look forward to your timely response. Yours sincerely, XXXX XXXX XXXX
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| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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CFPB : Please note that I am not including personal information per your instructions above I have had a Banana Republic credit card for over 10 years, if I remember correctly. Credit card number XXXX, good through XX/XX/XXXX. I have always been on time with my payments although my credit utilization is high. In fact, my credit report shows that I have an exceptional credit history with them. Please see attachment.
My monthly payment is due on the XXXX of each month. On XX/XX/XXXX I tried to log into my Banana Credit card online account to post my minimum payment of {$87.00}. I tried several times. However, they have been making changes to their system and the system did not let me log in. I called on XX/XX/XXXX posted my payment over the phone asked them to waive the late fee. The represented assured me that they were going to wave the late fee.
The representative I spoke with assured me that they would have not charged me a late fee. I relied on that representation. According to their automated service the phone call should have been recorded. It has happened in the past that their system did not let me log in. Whenever that happened and my payment was late on account of their technical difficulties, i called them, they never assessed and/or removed the late fee.
However, I just found out that for the payment that I submitted on XX/XX/XXXX, Banana : 1 ) charged me a late fee 2 ) they charged a late fee of {$40.00} and 3 ) THEY REPORTED MY CARD UTILIZATION AS OVER THE LIMIT TO THE CREDIT REPORTING AGENCY causing my credit score to decrease 60 POINTS!!!!!! Please see attachments.
THIS IS A FRAUD OF THE WORST TYPE. They assessed a late fee for a delay in the payment caused by their faulty online system. In addition, they lied to me and their lie caused me not to post an additional payment to make sure the card utilization would have stayed within the limit.
This has happened at a time of my life when I am dealing with XXXX injuries due to a car accident that have caused me to live in excruciating pain for over 15 months and have caused me to be unemployed for the past 9 months. I have been living of family support, even though my family is not wealthy at all. Notwithstanding my medical problems and financial hardships, I have not missed a single payment on any of my credit cards.
I called Banana minutes ago. I first spoke with a rep XXXX XXXX who said she removed the late fee. I then asked her to correct the information they sent to the credit reporting agency. She said that she could not do that and that I would have had to contact the credit reporting agency.
I asked to speak with a supervisor. She transferred me to a man who said his name was XXXX '. I explained to him what had happened and asked him to correct the information on my credit report. HE SAID THEY CAN NOT CORRECT ANYTHING BECAUSE THEY ARE REQUIRED BY LAW TO REPORT CORRECT INFORMATION TO THE CREDIT AGENCIES.
If I, as consumer, can not post a payment on time, because the credit card company - Synchrony bank in this case - is updating its system, I should not be penalized with a late fee.
Next, I am entitled to rely on the information that the credit card rep provides to me. That is the minimum protection afforded to me by the law. Again, if I had been told that they would have assessed a late fee, I would have posted a second payment to remain within the credit card utilization limit.
The over the limit utilization report to the credit agencies is the result of FALSE REPRESENTATION by Synchrony Bank rep to me. And it is UNFAIR BUSINESS PRACTICE to say the least. THEY SET ME UP FOR THIS. My credit utilization jumped over the limit for a crazy high {$40.00} fee which their rep assured me it would have not been assessed against my account. They caused my credit score to drop 60 points!!!!!!!
I need you to please intervene and order Synchrony to correct the report.
Thank you for your time.
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| 10/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Problem getting a working replacement card
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Web |
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-- -- - Opened new XXXX XXXX XXXX XXXX on XX/XX/2022 to take advantage of a double reward promotion happening at that time and received temporary credit card to use while the permanent card was coming in the mail -- -- - Attempted to make purchase at XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 for {$310.00} and received noticed there was a problem with the order and was required to verify all card information. After verification, purchase came back declined again. XXXX XXXX XXXXXXXX stated that expiration date and security code entered were being denied as entered -- -- - Contacted Synchrony Bank on XX/XX/2022 and confirmed all card information, including available balance and that there were no issues with temporary card. Representative stated that they had no transactions made on card at all. XXXX XXXX XXXX supervisor attempted to manually enter credit card information and purchase of {$310.00} was again declined -- -- - Attempted to make purchase at XXXX XXXX XXXX again on XX/XX/2022 for {$310.00} and card was declined. XXXX XXXX XXXX supervisor contacted Synchrony Bank who informed them that I had two credit cards with them and I was using an expired card -- -- - Contacted Synchrony Bank representative on XX/XX/2022 who confirmed that I do not have any other credit card open with them and the temporary card was not expired since it was just issued the day before. Representative offered no solution and informed me that I must wait for my permanent card to come in the mail if the temporary card keeps coming back declined. Requested to speak with Synchrony Bank supervisor. Supervisor stated that permanent card was activated the day the temporary card was issued before it was even mailed out or created causing all transactions to decline. Supervisor deactivated permanent card and stated that there would be no issues once the permanent card was received. Supervisor stayed on line with myself and XXXX XXXX XXXX to ensure that transaction of {$310.00} went through -- -- - Purchase made with temporary credit card on XX/XX/2022 at XXXX for {$500.00} processed without issue -- -- - Paid off credit card balance of {$820.00} on XX/XX/2022 -- -- - Received permanent XXXX XXXX XXXXXXXX XXXX and activated card. Made purchase on XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX of {$5100.00} -- -- - Received call from Synchrony Bank on XX/XX/2022 requesting that I verify purchase details to confirm purchase of {$5100.00} was made by me and representative had text message sent with verification link. After verbal and text verification was completed, representative stated that my purchase was fraudulent and my card was being cancelled and a new one was being mailed out. The entire reason I signed up for the credit card was a double reward promotion that would end before a new card would reach me. I was previously told to wait for a permanent card and that I would have no issues when it reached me, which is why I waited to make my large purchase until the permanent card came -- -- - Requested to speak with Synchrony Bank supervisor on XX/XX/2022. Supervisor put temporary release on credit card and stayed on phone while XXXX XXXX XXXX was contacted to process {$5100.00} transaction again. XXXX sent new credit card with one day shipping -- -- - Received new XXXXXXXX XXXX XXXX XXXX. Attempted to activate card on XX/XX/2022, but card was missing security code. Contacted XXXX XXXX XXXX and spoke with supervisor who provided {$50.00} account credit and sent a request to issue out a new card -- -- - Still have not received new XXXXXXXX XXXX XXXXXXXX XXXX as of XX/XX/2022. Spoke with supervisor XXXX who sent another request for a new credit card to be mailed out. USPS has informed delivery at address so card was not lost/stolen as they never received it to begin with. Supervisor did not care to listen or address concerns and seemed bothered that I requested to speak with her and enter a formal complaint
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| 10/19/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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As far as Store Credit Cards go ... are there specific regulations controlling the immediate payment from Synchrony Bank to an AC company ( XXXX ) for the full amount of {$6600.00} before the installation even occurs? This means that I am expected to start making payments towards this amount immediately - a mere few weeks later when there have been and still are continued, ongoing unresolved problems re installation, technicians arrive angry and defensive during consumer follow up visits when things go wrong and need to be corrected, total lack of communication between companies employees, angry techs that visit again me due to install problems they themselves created, misleading information provided to consumer from company, companies installed XXXX system did not pass inspection for XXXX and has not once contacted me re this failed inspection, company withholding warranty from consumer in spite of continued requests where is my warranty and why do they not provide me with a warranty?! Why would a financial institution pay a company before the consumer is completely satisfied, the system is working correctly efficiently, passes inspection, employees are helpful and communicative and are there to resolve any problems or issues for as long as the warranty is held, consumer has said warranty, why pay this company {$6600.00} before they even pass inspection.. or before they even install it? Not sure the exact day XXXX got their full payment but it was probably the day I was approved for this loan, before they came to install it. Most other company always leave you with a warranty the day they arrive but not this one. Arent there any regulations about this? Why is a consumer expected to begin payments to bank, the company has already been paid in full and they dont care about the consumer or the way theyre treated that has to begin payments, why should they when theyve already been paid? I brought all this up to Synchrony Bank and they inform me they put $ {$6600.00} in dispute BUT ... I havent heard anything about it since I initially called- XXXX except an email I received today XX/XX/19 from Synchrony saying the dispute was RESOLVED on XX/XX/XXXX??? This was of course a no reply email so I couldnt reply back about it but it was very disturbing to hear it was resolved already? How could this be?? Im wasnt asked to send anything, I wasnt told what the resolution is, how could it be resolved without including ME, the consumer? I also had to call Synchrony regarding a problem with my credit report few weeks ago they caused after promising me this dispute would not cause marks on my credit, late fees, interest charges, etc but yet I was- Synchrony charged me late payment fees, weird statements saying my balance was now another {$60.00} owed now, they promised I didnt have to make any payments during dispute, Im very concerned how this dispute wont work in favor of consumer, not sure it ever does. Im hoping this dept will assist me in enforcing any laws that fall under Consumer Protection Financial institutions, in PROTECTING THE CONSUMER, has Synchrony withdrawn their payment to XXXX, why would this company ever wish to resolve a dispute if theyve already been paid? Why would they care? What is dispute rules in favor of this business even tho they havent passed inspection and I have no warranty? Then Im left having to make payments anyway and my credit is destroyed from Synchrony and XXXX company that cant pass inspection, no warranty, sends out angry technicians that blame consumer for their failures. Then what? How can you help me exactly here? I recently filed a complaint against XXXX of Florida here as well and dont wish to read their reply since Im sure there are no consequences for them. Its just a reply and its their choice to reply or not. Same goes here for Synchrony - if no reply - then what, not sure what the actual advantage is here for a consumer like me.
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| 07/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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On XX/XX/XXXX, in an attempt to close out my XXXX account, I was contacted by a rep I had spoken to the night before on a XXXX help line. He was to talk me through the technical part of " removing XXXX software '' from my account, via my laptop.
He was a hacker and put a remote on my computer, accessing all my personal information, unbeknownst to me at the time.
After a while I got suspicious as I was concerned about my refund owed by XXXX and he said we could access it through my Paypal Credit account as I had already frozen my main bank account so XXXX could no longer ACH funds for payments.
I told him I was not really comfortable with him involving my Paypal credit account and he was very manipulative and fast talking. I was accessing my cell phone very quickly as he talked to see if he was into my PP account. In that short time, there was a " Money Sent '' transaction on my Paypal Credit in the amount of XXXX to a XXXX XXXX, and the man 's face was beside the charge.
I was in shock. My Paypal Credit account had a zero balance before that transaction.
I immediately told the hacker/fake XXXX tech that we were finished as he was a crook, and I slammed down the laptop. I did however on the cell phone continue to access my Paypal credit account to report the charge on my account as fraudulent and ask that they remove from my account and clear.
I tried after that XX/XX/XXXX date on several occasions to check the status via phone and online and I could never get through the phone line due to the Covid-19 crisis and my account was locked and I was unable to change my password or access it in any way for over two weeks. I was working from home and did not have a secure internet source after the hack and did not trust my devices, as the hacker had accessed another of my major credit cards and my XXXX.
I wrote a letter to Paypal credit on XX/XX/XXXX after I received my second statement with the transfer fee from the unauthorized transfer still showing as due of XXXX.
This entity to whom the transfer was to go has an email, which is most likely bogus, but it is XXXX Since these statements, I have received multiple emailed statements and two more mailed statements. Now the balance has went from XXXX to XXXX.
XX/XX/XXXX ... ..late fee ... ... XXXX XX/XX/XXXX ... ... minimum interest charge XXXX XX/XX/XXXX ... ... late fee ... ... XXXX XX/XX/XXXX ... ... minimum interest charge XXXX Total- XXXX My gravest concern is Paypal Credit/Synchrony Bank is trying to destroy my perfect on time never miss payment record on my credit report. I have a lot of credit card debt, that I am trying very hard to pay down, but I am diligent in my payment schedule.
But I refuse to roll over for this company and write a check for XXXX for charges for which I am not responsible and has caused many problems due to the fact the person who charged on my Paypal and the hacker in tandem, caused great harm to my financial stability and I suffered mental anguish for months trying to get my accounts safe.
I blame XXXX as well for not answering their phones or having a messaging service, forcing customers to use a bogus online chat which was a third party scam to try and get out of their contract. But that is a complaint for another day.
I need Paypal to stop sending me statements paper and online.
I need my Paypal Credit account cleared and no contact from Paypal Credit.
I need Paypal to CORRECT my status on XXXX, XXXX and XXXX to show no delinquent accounts, no missed payments, and clear my good name.
And I need Synchrony Bank to stop Robocalling my home daily, day and night, and when I pick up they may say my name and just hang up. There is never someone to speak with. It must be them because I have no other accounts with Synchrony with issues. From XX/XX/XXXX to XX/XX/XXXX, I have a total of 25 calls on my caller ID from Synchrony Bank.
Synchrony Bank XXXX This has got to stop.
XXXX XXXX
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| 12/09/2015 |
Yes |
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Web |
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This has been going on since XXXX XXXX, 2015.
Wasted over XXXX hours & spoken to more than XXXX people at Synchrony. The conversation has been the same every time. We 've worked on trying to figure out exactly what the balance has been, we get told we 're believed and they will work with Lowe 's to resolve the issues and get charges for the things we do not have removed.
In every case, those Synchrony persons fail to do so and then just stop communicating.
On XXXX/XXXX/15 sent an email for written proof to XXXX XXXX of Synchrony financial to suspend all charges as everything is in dispute until we figured out where all the problems since the inception of the card.
Per XXXX XXXX, she failed to do so and a rep did so when I called in on the phone. I could n't make out the name but what I wrote down was she stated XXXX put the charges in dispute on XXXX/XXXX/15.
Again the last person I wasted time explaining everything to and who promised she would even store video if necessary to prove we do n't have the items we 've been charged for. Below is her email where she gave her word she 'd be back in touch with us on XXXX/XXXX/15 by XXXX.
She has yet to contact us back and I 've followed up several times since.
There are many caveats but the last XXXX is as I told her, but with this being such as mess what we did for now is go back to our XXXX/XXXX/15 conversation with XXXX XXXX.
We called and the balance was {$3100.00}. However, she stated it was actually over {$5.00}, xxx but there were {$2600.00} in credits that had n't been applied back to the balance.
That day we closed the account because of the problems. All invoices were showing in the account. She stated with the {$2600.00} applied back, the final was {$3300.00}.
Since the account was current in XXXX and she did n't apply {$2600.00} in credits back to our account to XXXX/XXXX/15, we went through all XXXX transactions to the end.
Attached is the spreadsheet of the balance we came up with and it 's {$3600.00}.
With what Lowe 's have done and how screwed up the LAR account is, there is no way this is going to get resolved down to the penny. So we asked if the balance is the {$3300.00} XXXX XXXX stated it was, or is it the {$3600.00} we came up with. If the later, we want to know/see where all the {$2600.00} in credits XXXX XXXX stated she applied on XXXX/XXXX/15 went because based on statements, if there were {$2600.00} in credits that were applied on XXXX/XXXX/15, then the balance should be {$3000.00}.
Also note since early on, we focused on just XXXX invoices which were XXXX & XXXX where there were over {$3000.00} worth of items we never purchased or do n't have because of returns. Since XXXX, Synchrony and Lowe 's have failed fix ever item we 've pointed out on the invoice and we can prove we do n't have.
Having said that, we filed a dispute in writing on XXXX/XXXX/15. XXXX confirmed the charges were under dispute on XXXX/XXXX/15. Our dispute was not resolved in XXXX billing cycles nor have we received anything in writing if stating what the answer to that dispute is.
I 've stated since day XXXX, we will pay for anything we find we have that has n't been paid for but not for things we know we do n't.
So we can work to figure out if the balance is a legit {$3000.00}, {$3100.00}, {$3300.00} which are figures your representative originally stated it was. Or we can agree on the {$3600.00} we went through and came up with if you somebody can show us where the {$2600.00} in credits that were supposed to be applied on XXXX/XXXX/15 went. Again, keep in mind, our account was current in XXXX so nobody can argue they went towards balances before XXXX.
Per the FCBA, we feel that by the law the fact that our dispute has not been handled within the time limits is should have. We 're not litigious and I 'll still maintain we 'll pay a balance owed, but at worse case it 's {$3600.00} and that 's us being generous.
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| 04/04/2016 |
Yes |
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Web |
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I have been having an issue with JcPenney 's credit card service. I happen to work part time for the company & for me to get my full associate discount, I am told I need to use the card or cash. So like every-other financial product I use I track every payment on a excel spread sheet. Around XX/XX/XXXX I noticed that when I would make a payment online they were not applying it to my balance. I had a balance of around {$700.00} I went online on XXXX/XXXX/2015 & paid {$320.00} ... which it shows on the website. Then ten days later I went on again to pay it off ... .the {$320.00} payment had not been deducted ... there should have been a payment of {$290.00} remaining to pay it off. I made that payment online on XXXX/XXXX/2015 ... ten days after the first one & it was not deducted. Then to make matter worse they were either slowly deducting & not fully deducting payments so my balance no matter how much I pay is always just below {$800.00} higher than it should be & they are charging me 25 % interest on that balance. I have tried to call them, contacted them emailed them numerous times & they deny it ... ..I started making my payments in the store. Until this last email they admitted it, but are asking me to prove it. It is listed on their website as a payment I made ... .I have screen shots of my payments ... yet I have to prove it? The thing that kills me was when I called in XX/XX/XXXX they told me after getting very upset with them that my balance was really {$180.00} ... not the {$1000.00} something they were showing on my statement. I said then why is n't it showing that? So they must have a record of the payments I have made even though they are not showing me this in the final statement ... this has been going on so long & I have been charged a huge amount of interest during this. They keep telling me that it is all correct because I am spending but I spend then pay ... because that is how I get my associate discount. But here is the thing I have the right to pay & decide how much of their interest I want to pay by making big payments ... except they are n't being honest. Here is what they finally replied to me ... but if they know they did n't apply it why do I have to prove I made these payments?
" Our records show that the payment in question has not been credited to your account referenced above. To assist us in resolving this matter, we need documentation of the payment. Please review the list below and, depending upon how the payment was originally submitted to us, please send us the document ( s ) needed to complete our research.
- Mailed Payment Processed Electronically ( Only if the copy of the check is not available from your bank ) : Please send a copy of your bank statement or a letter from your bank stating the check cleared, the date the check cleared, whom it was made payable to, and the amount of the payment.
- Mailed Payment : A clear copy of the front & back of your cashed check or money order. Please note that the receipt stub or carbon copy for the money order will not assist in our research.
- In-Store Payment : A copy of your receipt. If a check or money order was used, a clear copy of the front and back of the cashed check or money order.
- Online/Electronic or Phone Payment : From the online provider, a copy of the transmittal report for the payment. Please note that a copy of the scheduled payment or a bank statement showing the online payment being withdrawn will not assist in our research.
Please mail this information to the following address and include a copy of this email : JC Penny card XXXX XXXX XXXX XXXX, FL XXXX or Fax : XXXX Upon receipt of the above outlined information, we will take the necessary steps to see the proper adjustment ( s ) is made to your account. If we do not receive your response within 20 days of the date of this letter, we will consider the balance to be correct. '' So what legal action can be taken?
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| 08/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing this in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to formally appeal the charge-off reported on my credit history by SYNCB/PPC. I request your immediate attention to this matter to ensure fair and accurate reporting of my credit information, as mandated by federal law.
During the unprecedented challenges posed by the COVID-19 pandemic, I encountered unforeseen financial difficulties that significantly impacted my ability to meet my financial obligations promptly. Despite these adversities, I actively collaborated with SYNCB/PPC and established a legitimate payment plan in good faith, demonstrating my earnest commitment to rectifying my financial standing and upholding my responsibilities.
In this context, I must bring to your attention the violations of the CARES Act committed by Synchrony Bank and its affiliate, PayPal. The CARES Act, enacted in response to the COVID-19 pandemic, provides protections for consumers facing financial hardships. Under the Act, creditors are required to offer accommodations to borrowers, such as payment deferrals or forbearance, without reporting late payments or charging off accounts during the period of accommodation.
Representatives from Synchrony Bank assured me that if I made the required payments, my account would not be charged off, which indicates that the company was aware of the challenges posed by the pandemic. Relying on their promise, I fulfilled my end of the agreement diligently. However, it was disheartening to discover that my account was still reported as " charged off, '' despite my adherence to the payment plan. It was never sent to collection and still, after following the payment plan and payment was made in full of {$2000.00} as you could see in the bank statements, and not {$1400.00} ( in the credit report ), and was reported as a Charge off.
Pursuant to 15 U.S.C. 1681s-2 ( b ), I have diligently sought clarification from representatives at both PayPal and Synchrony Bank regarding the circumstances surrounding the charge-off. Regrettably, they were unable to provide me with a definitive explanation, and they directed me to dispute the matter with the credit bureaus. However, in compliance with the FCRA, I firmly believe that a direct and lawful intervention from XXXX, as one of the major credit reporting agencies, can expedite the resolution process and prevent further adverse impacts on my credit report.
Despite my unwavering dedication to fulfilling my financial responsibilities, I was dismayed to discover the " charged off '' status on my credit report. This detrimental entry has inflicted severe repercussions on my credit score and significantly impaired my ability to secure crucial loans, such as a mortgage.
In accordance with 15 U.S.C. 1681i ( a ), I hereby request that Synchrony Bank conduct a thorough investigation into this matter and consider granting a goodwill adjustment as an act of fairness and compliance with the FCRA. Such an adjustment is essential not only to remove the erroneous charge-off from my credit report but also to reinstate my faith in the equitable application of financial regulations during periods of economic hardship.
I anticipate your diligent attention to this formal appeal, as required by the FCRA, and request that you provide a written response within 30 days of receiving this letter, as stipulated in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I remain readily available through the contact details provided above, should you require any additional information or seek further elucidation of the intricacies of my situation.
Thank you for your conscientiousness in reviewing this appeal and adhering to the principles of the FCRA. I place my trust in your adherence to the law and look forward to a just resolution that will enable me to rebuild my financial future within the confines of the FCRA 's guidelines.
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| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Most recently, on XX/XX/2021, XXXX of my creditors, Synchrony BankXXXX XXXX, submitted the second unauthorized payment withdrawal to my personal bank account, which is through XXXX. Supposedly, the recurring payments were authorized via telephone, but I did not agree to have these payments withdrawn at this time, nor did I agree to the recurring nature of these payments. I did contact Synchrony Bank on XX/XX/XXXX to discuss reaching a settlement agreement with this card, and my other card ( XXXX & XXXX XXXX XXXX that I have through their bank. During my telephone calls with Synchrony Bank that evening, I was told that any and all agreements would be mailed out to me before payments would be extracted from my XXXX bank account, however, I have never received any correspondence which would clearly outline a settlement payment agreement amount and/or payment schedule and frequency. On the other hand, I have received normal paper statements from Synchrony Bank for both of my credit cards with them. Those paper statements ( XX/XX/XXXX closing date ) do not show any settlement verbage ; they do show my Total Minimum Payment Due and Past Due Amount, which differ from the amounts withdrawn from from my personal XXXX checking account on XX/XX/2021 and XX/XX/2021. Ironically, the Synchrony BankXXXX paper statement does not show any recent payments being credited to my account. The amount of the last two unauthorized payment withdrawals are {$290.00} each, totaling {$590.00}. Furthermore, upon review of my XXXX credit report, I noticed that Synchrony Bank has charged off both of my credit cards ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX with them. It appears they charged off my XXXX XXXX account on XX/XX/XXXX of this year, but I never received any correspondence, verbal or written, that such action would take effect, or that such action has taken effect. Now, when attempting to call Synchrony Bank to discuss us creating a tangible and workable payment arrangement or settlement, I have had no success in reaching an actual customer service representative to talk to. After an unreasonable amount of phone transfers and delays, their system tends to reject my calls entirely by simply terminating my calls. Finally, once I was able to successfully log into my Synchrony Bank online account, I noticed that they have already scheduled a payment for XX/XX/2021 in the amount of {$300.00}, although XXXX is turned off. Furthermore, they suggest that the XX/XX/XXXX and XX/XX/XXXX payments were agreed to by phone. I definitely did not discuss making today 's, XX/XX/2021 payment by phone. Likewise for the XX/XX/XXXX payment. Undisputabily, I definitely have not agreed to pay a random future amount of {$300.00} on XX/XX/XXXX of this year. Usually, the payments I make to my creditors rounded to whole dollars plus zero cents. Although I do owe Synchrony Bank for two credit cards, I believe it would be professional and morally sound for them to discuss any amended agreements with me before illegally withdrawing funds from my personal bank account. A brief, clear, written outline of such modification would allow me to accept and plan for payments to them. In addition, it would eliminate the bank overdraft fees that I incur when credit card issuers ( illegally ) decide to submit random payment withdrawals to my personal bank account. As I stated during a similar issue with a different credit card issuer, I do not schedule payments through XXXX, regardless of the type of payment arrangement in effect. I submit each payment manually through the respective company 's website shortly before the due date. As a result of Synchrony Bank 's unethical practices, I am seeking full restitution of all monies that they have withdrawn from my personal XXXX XXXX account since XX/XX/2021. I am seeking to have all future payments paused until I have a current, and agreed upon, payment schedule or settlement.
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| 05/26/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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Subject : Complaint Against Synchrony Bank - Rooms To Go Credit Card Billing Practices Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Synchrony Bank regarding their unfair billing practices associated with my Rooms To Go Credit Card. Despite making my payments early each month, the bank erroneously marked my account as past due, resulting in exorbitant interest charges and late fees. Furthermore, when I contacted their customer service for assistance, I was met with unhelpful responses, stating that this was simply how their billing system operated, and there was nothing they could do to rectify the situation. This treatment has caused significant frustration and financial burden for me.
To provide a clear timeline of events, I consistently made my payments in a timely manner, often submitting them 2-3 weeks prior to the statement cycle as a precautionary measure. However, due to Synchrony Bank 's flawed billing system, these early payments were misinterpreted as delinquent, leading to inflated interest charges and late fees being applied to my account. Despite my attempts to explain the situation to their customer service representatives, they were uncooperative and failed to provide any viable solutions.
In light of the unsatisfactory assistance received, I requested the closure of my account and agreed to pay the remaining principal balance as a settlement on XX/XX/XXXX. Regrettably, Synchrony Bank has failed to fulfill their end of the agreement. I am still receiving bills, and my account continues to be marked as past due, indicating a lack of account closure and failure to apply the settlement as previously agreed upon. This negligent conduct is unacceptable, as it not only damages my financial standing but also violates the terms we had established.
Therefore, I request the following remedial actions be taken : 1. Mark my account balance as " paid in full '' and promptly close the account as agreed upon in the settlement reached on XX/XX/XXXX.
2. Correct all negative reporting to the credit bureaus associated with this account, ensuring my credit history accurately reflects the resolution of the account.
3. Provide written confirmation of the closure and XXXX balance status of my account.
I believe these actions are necessary to rectify the financial and emotional distress caused by Synchrony Bank 's billing practices and subsequent lack of cooperation. Moreover, I kindly request your intervention and assistance in resolving this matter promptly and in a fair manner.
Enclosed with this letter, you will find an accounting of all payment and dates processed. Please let me know if any additional information is required to proceed with the investigation.
I appreciate your attention to this matter and your commitment to protecting consumers from unfair financial practices. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate actions to ensure my rights are upheld and that Synchrony Bank rectifies their actions.
Thank you for your prompt attention to this matter. I look forward to a timely resolution and your acknowledgment of receipt of this complaint.
Sincerely, XXXX XXXX Payment History Purchase {$3300.00} 24 months 0 % interest Payment Due Monthly Payment Amount Payment Made Date payment made XX/XX/XXXX {$140.00} $ - Error Submitting ACH XX/XX/XXXX {$140.00} {$300.00} XX/XX/XXXX **included late fee XX/XX/XXXX, XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX XX/XX/XXXX {$140.00} {$140.00} XX/XX/XXXX Settlement - remaining principal {$1900.00} XX/XX/XXXXXXXX XXXX
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| 12/03/2016 |
Yes |
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Web |
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A payment to my American Eagle credit card, backed by Synchrony Bank, was made in error apparently, leaving a {$3.00} balance for whatever reason, and I was never notified my account was now in default, considered 'delinquent '. The payment was taken for {$25.00}, not the {$28.00} that was the balance on the card. I never once received a call, postal notification, nor an email correspondence telling me my account was nearing a 30-day collection status. I have never made a late payment - I have had ZERO 'missed payments ' reflected on my credit history for anything, and this {$3.00} and change discrepancy was reported to the major credit bureaus, causing my credit to plummet, without any notification to me, the customer. Had anyone contacted me, I would have immediately made any payment that was required, which I did immediately after finding out this {$3.00} discrepancy caused a mountain of issues, affecting my ability to secure a home mortgage for my toddler and myself. I would never had knowingly left a {$3.00} balance on ANY credit card. Coupled with the fact I was never notified about my account status is bordering on/is already fraudulent. As soon as I saw a drastic change to my credit score, all while in the middle of obtaining a mortgage, I investigated and saw American Eagle coming up as in collection status. I was alarmed, thinking someone stole my credit card information. I logged into my online mobile Synchrony Bank/AE CC account only to see a fee of {$5.00} now added to my account with a due date of XXXX XXXX. No notification of a 'past-due/frozen/delinquent ' account status ; only a due date for a balance I never knew I was carrying of an entire {$11.00}, including fees and interest. I immediately opened up a complaint with Synchrony Bank/AE credit services last evening, XXXX/XXXX/16, as soon as I saw this delinquency/missed payment on my credit report. In a recorded conversation last night with a customer service rep for Synchrony said this was an error, whether it be on my end or theirs, that can and will be rectified. I call back this morning only to be told, by a supervisor, I am not able to be provided with a report/investigation number and this will take 30 business days. They asked if I would like a call back once completed. OBVIOUSLY I want a call back but what are they completing? It 's pretty cut and dry - Synchrony Bank, did not take a full payment as I elected ( defaulted to mininimum ), they did not call me nor mail me anything about delinquency, nor did I ever receive any correspondence saying I had an overdue balance remaining on the card. I have never carried a large balance on my AE credit card nor have I ever missed a payment reported to credit bureaus. I did not even log into my online AE mobile account last month, as I was under the impression I had a zero balance as I had elected to pay the {$28.00} and change in XXXX, as my minimum was apparently {$25.00}, which makes no sense to me but that may be how Synchrony calculates minimum payments. Now it 's XXXX and I am just learning of this remaining {$3.00} plus now interest, fees, and a negative report to credit bureaus. I check my credit reports multiple times a month and nothing was coming up negative until XXXX/XXXX/16. I am completing this complaint as I feel I am being taken advantage of after being a longstanding customer of Synchrony Bank, carrying multiple store cards backed by them, never missing a payment, no negative reports to credit bureaus throughout my entire credit history with this bank ( except now ), and should have either rectified the mistake back in XXXX 2016, contacted me in the two plus months since my last payment in XXXX, or during my XXXX recorded calls to Synchrony Bank/AE offered any solution whatsoever. I was hung-up on by a supervisor and a lower-level representative. Horrible customer service with zero regard for customers or fair credit laws.
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| 04/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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NOTE : this is a replacement for COMPLAINT # XXXX , which has been withdrawn. In XXXX XXXX , I had XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX XXXX , and paid for it out-of-pocket ( my employer group insurance plan did not cover the procedure ). To pay the hospital fee for the procedure -- {$11000.00}, I applied for a XXXX E CareCredit card at the hospital ON THE DATE of my XXXX , XXXX / XXXX / XXXX , and was told, by one of the individuals at the hospital, that I would be offered a 14.9 % APR on the card for a term of 5 years, during which I could repay the balance on the card. I then proceeded to have the XXXX and afterwards began making the minimum monthly payments on the card, using CareCredit 's online website, selecting the minimum monthly payment option.
However, several months later, CareCredit added a charge to my balance in the amount of {$4400.00}. I did n't notice the additional charge immediately, until I subsequently checked my balance online and noticed that it was considerably higher than the previous amount I recalled. At that time, I called a CareCredit rep on the phone and asked about the charge, and the rep told me that it was a deferred interest charge added for not paying my balance within a year. The rep told me that, according to the terms of my contract, I had to have paid my balance interest-free within the interest-free period to have avoided the deferred interest surcharge. I then told the rep that this agreement was NEVER explained to me at the hospital, and that I was told instead that I was under a plan to repay the card under a 5-year 14.9 % APR.
The agreement for the 14.9 % 5-year APR w as explained to me VERBALLY at the hospital prior to the XXXX on XXXX / XXXX / XXXX AS WELL as via a phone conversation w/the XXXX XXXX XXXX cashier PRIOR to the date of my XXXX . Also, on XXXX / XXXX / XXXX , I had attempted to obtain written confirmation of that agreement via an e-mail to XXXX XXXX , the hospital billing coordinator, but never got a reply. I argue d w/the CareCredit rep on the phone about the deferred interest arrangement, and also asked the rep to send me a copy of a contract that I 'd signed in which I agreed to the deferred interest offer. And CareCredit was NEVER able to provide me w/any document CONTAINING MY SIGNATURE that explained the ( deferred interest ) terms the rep told me about. However, since I lacked ANY WRITTEN proof that I 'd agreed to something else ( i. e. the 5-year 14.9 % APR repayment option ), I felt I had no legal recourse, and merely continued making payments to the credit card. As of today, there 's still a balance on it for {$4600.00} -- the original CareCredit card is now under Synchrony Bank.
However, I recently discovered an article online ( attached ), dated XXXX , regarding punitive action that CFPB had taken again st CareCredit for deceptive billing practices, where card holders were misled about the terms of their contract. And I 'd like to know if I 'd also be entitled to monetary relief under this action -- specifically, I 'm wondering if I could be refunded ( at least ) the difference between how much I would 've paid under the 5-year 14.9 % APR arrangement ( to which I verbally agreed ) and the deferred interest agreement to which I did NOT agree ( in which I 'm currently paying under a 24.99 % APR ). I 've computed this amount to be {$5600.00} ( amount that I currently overpaid -- see the included Calculations spreadsheet ) + {$4400.00} ( the amount Synchrony Financial says I still owe ). In other words, I would like to be refunded {$5600.00} fr om Sy nchrony and my CURRENT balance on the credit card wiped out.
With this complaint, I 'm including receipts, statements, emails, etc. to sub stantiate everything I 've stated. Please let me know if there 's any else that 's needed. Thank you
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| 03/10/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, As I am attempting to purchase my first home I began monitoring my credit. I obtained my 2nd monthly updated credit report from XXXX XXXX. I observed an account for the first time on my credit report. A weird and unidentified account that was never on my credit report posted on all three agencies i.e. : XXXX, XXXX, XXXX. My credit reports all showing a history dating back to XXXX with 2 months late for this 1st time. A XXXX XXXX XXXX account that had never reported on my credit. I immediately contacted XXXX XXXX to dispute this fraud account as it was not my account. I then immediately contacted the company SYNCB as it is listed on my credit reports and later learned their company name is Synchrony Bank. In a heated argument with it's agents, as several of their agents forcefully attempted to obtain my real personal current details to match with their records. I was reluctant to provide them my real information as they had already confirmed non of the details they shared matched my details. However, I was placed under duress as this company 's agents would not assist unless I divulge my personal details. XXXX in particular, an agent for SYNCB assured me it was only to assure this account did not belong to me and that non of my information would be saved. However, after providing her with my DOB, email, and address. She then stated she had updated that account with my details against my wishes and authority. Furious I yelled at her as I did not authorize this and was miss lead by this company representative demanding her to delete my details, she refused, I ended the call. My spouse and I called back recording the call for my protection to complain about that representative and to have my real personal details deleted from this account. After much argument and fighting with their company representatives they finally connected the call with the fraud department. My spouse explained to the fraud department agent that we are recording this call and needed his approval, which he did agree and authorize on the recording. I informed him what customer service agent XXXX dishonestly did, and my spouse requested my personal information removed from that account for my protection. The Fraud agent stated to understand the situation and assured me that my details will not be updated on that account. The fraud agent proceeded to file a fraud dispute of the account after he confirmed that the original account information details did not match any of my personal real information details. In addition, he confirmed what his other agents have stated that the account was paid in full, as we were also told this, but he did not understand who or why was it even reported after 7 years. My spouse then asked for answers to a series of question. However, the fraud agent just kept saying he did not know and did not provide us with answers. When the fraud agent had requested my personal details for verification my spouse stepped asked him several question to assure it was only to confirm that the account was not mine. As heard on the recording he confirmed that none of my information was going to be saved on that account nor updated to my real details. My spouse also requested a copy of the filed fraud dispute and to send a copy of the fraud letter to the credit bureaus as heard in the recording. However, I never recieved our copy of the fraud letter. I never heard back from this company fraud department. However, on XX/XX/XXXX I received an email from Synchrony bank that my phone number, address, and other real personal information details was updated and saved on this account. The company and its associates misrepresented vital information to leur me to divulge my personal details so as to make it appear as if this account is mine when it is not. I was completely mislead. Again I have the call recorded with full awareness and authorization of the fraud dept agent.
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| 11/01/2016 |
Yes |
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Web |
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I just recently closed my CARECREDIT / SYNCHRONY BANK credit card due to fraud activity that affected/abused me financially by the company. I opened my credit card a few years ago to take care my dental bills, each transaction offered me 0 % interest charge for about 18 month. I spoke with the customer service multiple times to ask them about when my 0 % promotional rate will end. I asked them to calculate and gave me the exact amount for monthly payment and requested for that amount to be taken from my account every month to avoid ANY interest charges, as I was firm that I wanted to pay off my balance before promotional rate would end.
I stress that I made multiple calls and spoke with multiple agents in the call center just to confirm by asking the same question of what amount to be paying each month. None of them explaining that my promotional rate had ended ... instead they insisted that my 0 % promotional rate will be expire in XXXX XXXX. From my last conversation, the agent told me that I can make a {$400.00} payment every month to pay off my balance and to avoid interest charges after my 0 % promotional rate end. I agreed to do so, I trusted them and set up the monthly payment to {$400.00}. Since I am registered to online statement instead of a paper statement I was just going off of the advice of those in the call center, for they are the foremost experts on the facts and figures around my account, right? After multiple calls and requests, I finally realized that my debt is not going down.. I feel like i have been paying it forever but still have over {$2000.00} in balance. I therefore recently decided to log in, recovered my password and downloaded my previous statement, to see if there was any suspicious activity or fraud. It was then that I noticed a very high interest fee that I 've been paying since XXXX! With it being XXXX that amounted to over {$1600.00} ( from {$3000.00} debt balance ... so over 50 % interest. I just called the call center and escalated to a manager, asking why they charged me the interest fees for months, even years. She took all of the blame off of the employees that misguided me and said I should blame myself for not paying the full amount off in XXXX. I said that I had explicit conversations about this very subject, avoiding fees and when promotional dates ended and she said that those agents were just telling the expiration date of the most recent promotion. This is blatant scheming.
The reason why I write this complaint because I want to get my interest money back due to : 1. I spoke to multiple agents over different months/years and had explicit conversations about the topic of avoiding interest fees that I now see were incurring on my account. They knew something but took advantage of me. My interest rate will change from 0 % to 26.99 % in XXXX XXXX was all that I was told, and I have time till then to finish my balance. All these credit card agents assured me that I have nothing to worry about the interest charge fee because the promotional will end in XXXX XXXX.
2. I have asked multiple times about how much money should I pay every month to pay off my debt.. but they lied to me about the amount : They initially did n't set up the amount, and instead told me to keep my monthly payments to {$76.00} for months/years. After I complained about it, they said, i can pay $ XXXX to pay off my balance. I did .... i paid {$400.00} and the truth is they hid the fact that I had interest charges in my account. I was led to believe that paying the minimum amount so they can keep charging me high interest fees per month ... My debt was {$3000.00} .My debt was {$3000.00} and they already had taken {$1600.00} interest fee from my bank account during their shady business since XXXX.
3. I really want to pursue this matte because I believe the company did fraud and abused me financially.
4. I request for an investigation
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| 02/22/2016 |
Yes |
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- Customer service / Customer relations
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Web |
Servicemember |
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This complaint is regarding SYNCHRONY FINANCIAL BANK or as stated on my credit report SYNCB/WALMART.I have made a report against them before but the actions taken after are just ridiculous. I had a credit card with this bank, which I did not pay due to financial hardship.As soon as I had the money to pay my debt I started trying to find a contact number to reach them out. I had lost my apartment and lost a lot of my personal mail, So I had no way of contacting them until I got a copy of my report.I called the number on my report, I called and was told this debt showed as paid on their system, she transferred me then I was told that they could n't give me any information because it had been sold to a collection agency and I had to contact them. I was jst trying to make the payment on my debt and they said they could n't take payment because they could n't even get into the file.They gave me the phone number to the collection agency it had been sold to. I called that number many times, for several weeks. I kept getting a voicemail. Left messages, never received a call back. I called the credit bureaus to try and get a different number, I believe transunion even try calling SYNCB to try and get a new number but they didnt have a different contact number. It was crazy I was chasing a collection agency to try and take care of a debt instead of the other way around.I tried to take care of this situation since last year, XXXX. After a month or so I gave up. I used the money to take care of other debt.I disputed this same account in XX/XX/XXXX because the balance showed on my credit reports as {$1700.00} and according to SYNCB reps. this account showed as paid under their system and they couldnt take payment for it. After the dispute, this bank dcided to update the information and dated as XX/XX/XXXX which affected my credit in a negative way, when I was working on repairing it. I disputed the date to be changed to XX/XX/XXXX which is when I was given that information and tried to pay them, but they did n't and they changed it to XX/XX/XXXX. Which did n't make any sense! WhyXX/XX/XXXX?! but I was tired of dealing with them so i just focused on turning my credit score around by taking positive actions. Until some time ago I received a letter from XXXX XXXX Ass.Claimming the walmart debt and posting a collection account on my credit report dated XX/XX/XXXX.This whole deal has given me many headaches! I tried explainning XXXX that i tried to make the payment since XX/XX/XXXX but I didnt have the money anymore, because I used it to pay other debts.And that I am trying to fix my credit report to purchase a home since my family and I are homeless at the time. I told them I could try making a payment as long as they could understand the situation and that it wasnt my fault that the previous collection account didnt respond to my attempts to pay this debt, and SYNCB wouldnt take my payment either.I asked them to Please not report this as a new debt or collection report on my credit because it was going to affect all the hard work I have been doing. They said they couldnt do that. ANd reported this account anyways. Bringing my score down XXXX points and keeping us from getting a mortgage. My point here is, I know I defaulted on this account for reasons beyond my power.When I got on my feet I started paying all of my debt, I even paid XXXX other accounts to XXXX on XX/XX/2015.They never brought up SYNCB/WALMART account then otherwise I wouldve paid them that too.That proves they didnt have this account yet. SYNCB claims they sold this acct on XX/XX/XXXX so, why did n't they take my payment XX/XX/XXXX when I first called them?! Now I have a " fresh '' new collection account onmy report that I tried to pay since last year!! this is ridiculous. I feel like SYNCB is harrasing me for disputing their information back in XX/XX/XXXX.I do n't want to be harassed anylonger.
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| 05/30/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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On XXXX XXXX, 2016, my Sam 's Club MasterCard, serviced by Synchrony Bank, was compromised made evident by a declined transaction at a restaurant. I called the bank and the first associate with whom I spoke informed me of a freeze on the account due to suspicious activity. He said that since I was the authorized user that he would lift the freeze. He then went on to explain that the freeze was placed on the account because of many charges to XXXX in Florida ; I do not live in Florida. He proceeded to inform me that there had been XXXX charges to several different XXXX stores in Florida, within seconds of each other, totaling over {$350.00}. I inquired as to 1 ) why I had not been notified, and 2 ) why it took XXXX transactions before the freeze was placed. This is the point my dissatisfaction with their fraud notification and customer service began. The associate informed me that I was not notified via the automated system because I had not given them permission to contact me on my cell phone via that system. I was then forwarded to another agent who would begin the fraud report process. I was assured the XXXX fraudulent charges were flagged as fraudulent ; however, that 1 ) these transactions will be processed, 2 ) the fraud investigation process takes 30-60 days, 3 ) the charges and associated interest/fees will not be reversed until proven fraudulent, 4 ) a new card will be issued, but would take up to 4 days to arrive and they had no ability to overnight the card, 5 ) an affidavit form for the fraud investigation would be mailed out and I should receive it in 7-10 days. So, I will have no card to use, Synchrony Bank refused to expedite the process, and would not be reversing the charges for 30-60 days. I was given the phone number for fraud investigations, which was closed at the time, but when I called the number, my call was routed to another associate. This associate requested my Mother 's maiden name to verify identity. I provided the name and she told me that was incorrect. I provided my spouse 's Mother 's maiden name and was told that this name was incorrect. The associate wanted to update the information to be correct but I asked to know what name they had in their system. The associate proceeded to inform me that she was not permitted to give out this information. I requested to speak with her upline, who also informed me that she was not permitted to tell me what maiden name they had on file. She did, however, inform me that when the account was opened originally, that the Sam 's Club associate may have entered a random name or code in that field. I proceeded to inform the associate that placing fraudulent information on my account is illegal and that I have a right to know what is on my account and what maiden name they have on the account. Still, she refused to reveal that information. She did, at least, request my new card to be expedited. I requested to be forwarded to her upline but this associate also refused to provide the maiden name they had on file, stating 1 ) it is against their policy, 2 ) it is n't my information and I 'm not allowed to have it, 3 ) she 's not willing to compromise her job over this, 4 ) that someone may have called in claiming to be me and changed the maiden name, 5 ) that I am not allowed to know if/when someone called in and changed the maiden name, 6 ) contact the police and the credit bureaus because Synchrony Bank may release this requested information to their investigators and I may request the information from them. I made my dissatisfaction and complaints known with each of the XXXX associates with whom I spoke. I expect to be contacted from corporate over this unacceptable security, procedure, and lack of customer service. Synchrony Bank 's poor policy has denied me justice in discovering where along the line someone compromised my account. I will no longer be banking with Synchrony Bank.
|
| 08/03/2018 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Initially I sent a letter to Synchony Bank to settle my Lowes Account, due to not being able to pay it. This was on XX/XX/XXXX, and then I faxed it to their collection department as well. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX. So I sent a settlement letter to them. I tried to fax it and it did not go thru, as I learned today, I had wrong number. But when I spoke to XXXX on XX/XX/XXXX, they gave me their supervisor 's email address XXXX to send an email authorizing them to speak with me. I did and then followed up with the settlement proposal I sent to them on XX/XX/XXXX.
They advised me that Synchony Bank has to approve this settlement and do not have to take my offer to them as it is under their quideline. In my initial conversation with them on XX/XX/XXXX I advised I increased my offer as I held back money for them due to the fact I did not know the balance. I explained to them I took out of my retirement and this is all I have due to the amount of debt, I tried to give everyone the same percentage. They threatened to sue me on that date and I questioned her on that and she said she is simply telling me that can sue me. I advised I am requesting they take my offer at that time was {$1500.00}. She refused and then I contacted Synchony Bank again, and they advised that they could file a complaint if I wanted too, and I said no I just wanted to get this resolved.
XX/XX/XXXX I spoke to XXXX again, and got no where with them, and they have been at XXXX and can not come lower and will not take my offer to settle with what I have available to Synchony.
XX/XX/XXXX, spoke to XXXX again, and they repeatedly stated XXXX is bottom line, and I simply can't settle for this and asked them to please extend my offer to Synchony, again they state they do but this is what it is.
XX/XX/XXXX, I called Synchony and they told me to send a letter to them explaining everything, which I did to their fax and outlined everything in it. She said to call back XXXX again next day. I didn't as my conversation was not good with them on the XXXX, and I got aggravated and stressed out and I was not pleasant. So I decided I needed to let it set for a week.
XX/XX/XXXX, I called and spoke to XXXX, and she checked with manager and said the best they could do was {$3300.00} ( I didn't catch last two numbers ) I said well that increased from the last time and she got off phone and came back and said XXXX and I said I can't I have the {$1700.00} that I have that I took from my retirement along with other money to pay off my debt. She said try to find money from other sources and the last time someone there told me to see if I can get it from family members ( this is not my family members debt and my father is XXXX years old and on social security ) I should not have got myself in this situation but I did and I thought I was doing the right thing instead of claiming bankruptcy by taking a loan out of my retirement to pay this off and reached settlements. I have been successful with this all but 3 accounts and this being one of them.
Its frustrating, one the first person said they could sue me, and then for them to tell me to go get money from " other sources or family members '' is wrong, and finally if they are given an offer they should be required to take this offer to their client to see if they will accept. I specifically asked in my last conversation and in one other which she talked around the subject and this last one said they don't have to take anything under their bottom line.
Not sure if this is true and I have done my research on XXXX XXXX XXXX under the XXXX and I am not sure I can trust them anyways after reading this, but I want to resolve this and feel I have done what I can and when they refused to take my offer and the fact they threatened to sue me if I don't agree to their terms initially, that I'm at my wits end.
|
| 09/26/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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|
Web |
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I began working at XXXX XXXX in XX/XX/XXXX, my XXXX year of college ; I was XXXX years old and had no experience using credit cards in my name or work experience until this job and a full-time college student at XXXX XXXX University. I was a sales clerk in the XXXX XXXX store and worked closely with customers. When I applied for the job and started working for the Christmas season, I had no idea I was expected to sign people up for XXXX XXXX credit cards. I quickly learned there was a great deal of pressure from my manager to do this. My manager would get very upset if we did not get at least a few people every week to apply for an XXXX XXXX credit card. My manager also coerced me into signing up for an XXXX XXXX credit card ; it was not something I went into the store on my own to do. I was told by my manager that I needed to have an XXXX XXXX credit card and should have one working there. When I filled out the application, I had only had the job for a couple of weeks and, as I mentioned before, was XXXX years old. I had no previous work experience, no credit history, no cosigner for the card and no ability to make monthly payments. I have no idea why the credit card was approved from XXXX XXXX/XXXX XXXX.
Per the Credit Card Act of 2009, it was not legal for XXXX XXXX to issue me this credit card without a cosigner and no ability to pay this obligation.
PUBLIC LAW 11124MAY 22, 2009 ( 8 ) APPLICATIONS FROM UNDERAGE CONSUMERS.
( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ).
( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account.
The law was designed to help protect young college students with no experience with credit cards not get into debt unnecessarily. I fell into the exact trap that many young consumers do and began seeing the balance on this account rise with interest and late fees with no ability to even make the monthly payment during XX/XX/XXXX and XX/XX/XXXX.
Furthermore, I become very ill in XX/XX/XXXX and was in and out of the hospital until XX/XX/XXXX. I was unable to even work a part-time job during those months and had to withdraw from college and move back to my parents home. I was not receiving any mail and not able to communicate with XXXX XXXX/Synchrony at all during this period as I was primarily hospitalized and on narcotic pain medications. During this time period, my account was turned over to XXXX XXXX XXXX with a balance of {$4700.00}. Again, why would an XXXX-year old be given access to this credit in the first place does not make any sense and is not legal. Every month, more and more late fees and interest added to my balance while I was hospitalized.
With the help of my parents and obtaining more loans, I have paid off the balance of this debt and my credit is a mess. I am still a full-time college student and this has put me back even further. I believe XXXX XXXX and XXXX XXXX are partly responsible for this mess and that they broke the law.
|
| 03/13/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
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I signed up for Care Credit for a surgery for my dog. The original charge was over {$2800.00}. I've paid some of this down as well as charged another visit for my dog. I just looked on my account and they charged me {$1200.00} of interest on XX/XX/XXXX when my balance was {$1800.00}. Here is the chat info ; XXXX XXXX : XXXX XXXX : Initial Question/Comment : Why do I have over {$1200.00} in interest charges on XX/XX/XXXX?
XXXX XXXX : System : Welcome to MySynchrony.com Chat. Your chat may be monitored and recorded for quality purposes. A chat agent will be with you momentarily.
XXXX XXXX : System : Thank you for your patience, we are currently assisting other customers. An agent will be with you momentarily.
XXXX PM : System : XXXX XXXX has joined this session!
XXXX XXXX : System : Connected with XXXX XXXX. Your Reference Number for this chat is XXXX.
XXXX XXXX : XXXX XXXX : Hello XXXX. Thank you for contacting us.
XXXX XXXX : XXXX XXXX : I understand your query.
XXXX XXXX : XXXX XXXX : I will certainly review your account and help you.
XXXX XXXX : XXXX XXXX : May I take 2-3 minutes while I review your account details?
XXXX XXXX : XXXX XXXX : Thank you for waiting.
XXXX XXXX : XXXX XXXX : the purchase made on XX/XX/XXXX for {$2800.00}, was expired on XX/XX/XXXX.
XXXX XXXX : XXXX XXXX : And as the promotional balance was not paid in full, XXXX XXXX : XXXX XXXX : so there was almost a 50 % interest charge?
XXXX XXXX : XXXX XXXX : the deferred interest was charged on the account as per the promotional terms.
XXXX XXXX : XXXX XXXX : {$1200.00} of interest has been charged on the account.
XXXX XXXX : XXXX XXXX : In order to avoid the interest charges the promotional balance need to be paid in full by the expiration date.
XXXX XXXX : XXXX XXXX : so what interest rate is that?
XXXX XXXX : XXXX XXXX : XXXX for a XXXX purchase?
XXXX XXXX : XXXX XXXX : that can not be correct XXXX XXXX : XXXX XXXX : The regular APR on the care account is 26.99 %, XXXX XXXX : XXXX XXXX : that is 45 % XXXX XXXX : XXXX XXXX : I will explain that to you.
XXXX XXXX : XXXX XXXX : I'd like to see the calculation XXXX XXXX : XXXX XXXX : Yes, please allow me 2 minutes, XXXX XXXX : XXXX XXXX : I will explain that to you.
XXXX XXXX : XXXX XXXX : On the date of the promtion expiration : {$1200.00} of interest was charged on the account, XXXX XXXX : XXXX XXXX : and since then the entire promtional balance including the interest charges is considered as a non promotional balance, XXXX XXXX : XXXX XXXX : So the non promotional balance on the account is liable for the regular APR on the account every month.
XXXX XXXX : XXXX XXXX : Again, the math doesn't add up XXXX XXXX : XXXX XXXX : As long as there is a non promotional balance on the acocunt the monthly rate of 2.25 % on it is added on the statement.
XXXX XXXX : XXXX XXXX : I am still typing.
XXXX XXXX : XXXX XXXX : Please bear with me for 2 minutes more.
XXXX XXXX : XXXX XXXX : I am checking that for you.
XXXX XXXX : XXXX XXXX : I owed {$1800.00} as of XX/XX/XXXX.
XXXX XXXX : XXXX XXXX : yes, here I go : XXXX XXXX : XXXX XXXX : XXXX x 26 % = {$460.00} XXXX XXXX : XXXX XXXX : for 12 months the interest charged was XXXX XXXX XXXX : XXXX XXXX : {$770.00} XXXX XXXX : XXXX XXXX : And the promotion was for 18 months, XXXX XXXX : XXXX XXXX : I paid off somXXXX of that XXXX XXXX : XXXX XXXX : so you can not charge me interest on the entire thing XXXX XXXX : XXXX XXXX : you can only charge me on my balance as of the date in XX/XX/XXXX XXXX XXXX : XXXX XXXX : so deferred interest for another 6 months that is totalling up to the deferred interest of {$1200.00}.
XXXX XXXX : XXXX XXXX : the deferred interest is charged on the original purchase amount, XXXX.
XXXX XXXX : XXXX XXXX : XXXX.
XXXX XXXX : XXXX XXXX : I apologize for the typing error.
The following Agent is typing : XXXX XXXX.
|
| 08/31/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I took out a SAM 's club credit account with Synchrony bank. I used the account and had some problems accessing the account at first. Because the numbers on the card were different from the ones on the website, Their Mistake. So when just followed the instructions on the website to make a payment on my account it told me I had a XXXX balance. I called and got that straighten out and paid my balance and figured out how access the account. They told me they had removed the late fee. Then they called me a few month later and told me I still owed them for late fees that had accrued. I paid them with out arguing and looked at my account and saw that it did n't go back ant further than 90 days. Then I made a purchase of a computer and got that paid for. But after I had paid it off they request more fees again. I looked on my account and once again I could n't see where those fees originated because the account only went back 90 days. Please keep in mind this is a period of 2 years. I paid this account off to what it said on the screen. These are late fees accruing over 3 months and costing me approx. {$75.00}. I checked the web site several day after pay off and it said XXXX balance. I was beginning to wonder if they were adding these late fees and not posting them on time. Wondering how they were charging me when I paid the balance in full. But again I could n't see any of the information of the origination of the charges when they only went back for 90 days only. I made another purchase and a payment and then a payment in full. I received another phone call telling again there was a problem that the payment did n't clear my bank. By this I 'm getting upset because no matter the situation I can not pay the card off. No matter how hard I try they keep adding these late fees and I ca n't see where they have originated. So I ask them to Send me all information on the account all of it from the time I opened the account until present. They took several weeks sending me the information. The information was not complete I had to make a couple of inquiries until I received the complete information. They told me before hand they would n't charge me fees for the time it was being investigated. My bank had no record of the payment it took me hours to go through their information trying to match it up with payments and trying to find any information as why the payment was sent back to them. What I found was that they had continually added late charges beyond what the pay off was stated. And in 2015 had charged me {$140.00} in fees. Those fees were not investigated as I had asked. And when they told me the results of investigation they said I owed them approx. {$130.00} but they were adding another late fee on top of that payment. I ask them if they had investigated the previous fees they had charged me they said they had not. I asked them to investigate them and told them I disagreed with them charging me another late for the time they took while investigating the charge that did n't go through the bank. They claimed it was my fault. But it took them 2 months to post that it did n't go through and they wanted me to pay fees and still do for that time which I believe was a error in their system. As I have made payments with that card and have over draft protection on my card. The bank had no information on that charge. No other institution that I do business with tries to hide account information. They accept payments for the amount they request as paid in full. They do not say they will not charge me a late fee then turn around and add it to my account months latter. I refused to pay the bill. It looks to me as if they owe me not the other way around.. They told me they have no address. Refuse a settlement, Closed the account so I can not access it and they are still adding fees to the account after multiple tries of resolution. I 'm still attempting that.
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| 08/17/2015 |
Yes |
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Web |
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I recently opened a credit account with Care Credit at a veterinary hospital. I currently have a {$400.00} balance that must be paid off by XXXX in order to avoid an exorbitant interest rate, plus another {$2400.00} balance that I have more time to pay off.
At the time I opened the account, I was told that all transactions would be at a promotional interest rate that would last two years. When I made the {$400.00} transaction, I was told that that transaction would be subject to a different, incredibly high, interest rate I had not been told anything about, which would expire in XX/XX/XXXX. I asked, repeatedly, whether I could apply 100 % of my payments to the {$400.00} balance so it would be paid off first. I made it clear, repeatedly, that I was not willing to open the make the transaction unless I could do this. I had multiple conversations in person with representatives in which I was repeatedly assured that yes, I could do that ; all I had to do was call.
I called last night and again today to speak to customer service and was told that the sales representatives had given me false information in convincing me to open the account and make those charges and that Care Credit had no intention of doing anything to rectify this. Not only could the phone representatives not apply my payment the way I was promised they would, but Care Credit 's entire system was set up in such a way that that would never have been possible. It was not explained to me how or why the representatives at the veterinary hospital received the impression that Care Credit 's system could do something that ( I am now told ) it is entirely incapable of doing. I was told repeatedly that there is no one in the entire organization who can apply my payment as I was promised. ( I have also been told that there is no one who can send confirmation emails or even write information down with a pen and paper and send me a written confirmation, so I take this with a grain of salt. ) In my efforts to resolve this, I 've been repeatedly hung up on ; transferred to collections when I asked for a customer service supervisor ; told I ca n't be transferred back out but must hang up and start all over ; given the phone number to a line that simply recites advertisements and never provides any service ; and generally deliberately stonewalled to a degree that is, frankly, jaw-dropping, especially in a company that has already been caught and punished once for this predatory, deceptive practice.
I know that Care Credit / Synchrony has already been issued orders by the Consumer Financial Protection Bureau ( Consent Order XXXX-CFPB-XXXX ) with regard to exactly this problem : customers being given false information at the healthcare provider 's office regarding interest rates and payment terms, in violation of federal law. In that instance, I believe Care Credit blamed the offices ' personnel for providing incorrect information, just as it is doing now in my case. The company was ordered to provide sufficient training to representatives to prevent this from happening again, but it clearly is still happening.
At this point I plan to do everything I can simply to pay off the entire {$2800.00} balance before any interest increases occur ( though frankly I do n't know how I 'll manage that ) or try to reach some other resolution directly with the veterinary hospital. But this company has a history of deceiving consumers at a very vulnerable time, and clearly the last {$XXXX} XXXX order against them was not enough to teach them to stop. I would very much like an investigation by the CFPB to ensure that they do n't take advantage of any other consumers in the way that they took advantage of me ( and apparently more than {$XXXX} XXXX worth of other consumers ). If you can recover any damages from them for whatever costs I incur trying to pay back this {$2800.00}, obviously that would be ideal.
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| 12/15/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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paying on XXXX PayPal accounts - I am horrified that XXXX XXXX XXXX ( whom I paid off years ago ) would open XXXX accounts after I asked that the only XXXX I knew be closed w Specifically in complete disagreement with these ongoing bills spoke to CSR people over 30 times and said I needed proof of how they opened this account because Ir did not have that and requested that information for months.He appeared to be trying to again aggravate the situation by asking questions that were irrelevant to the complaint i.e. Saying there was a payment history again. I paid on this account to avoid any disparaging credit notifications to the credit bureaus. I told him twice to send the information and to date have not received anything! This is the first time I have seen anything as it was posted to the Consumer Protection 's website where I filed the claim.
2. In 2009 I did not report the account stolen - I reported that my credit protection account said that an account was opened and had been Aware. I said no and they gave me the number to call and I promptly called to report the issue - they said no problem in closing the account and investigating.
I ca n't even remember the name of the bank I called affiliated with this account at this time. I never reopened an account at that time!! They must have done that in their own.
3. I have been paying on XXXX PayPal accounts thinking all along this corrupt account started without my permission was just XXXX account. Now I have XXXX PayPal accounts that at one time was XXXX XXXX XXXX - which I had paid off and closed.
4. The payments that I did send - even when a statement was not sent - were not applied at the time sent and this is reflected in the inaccurate paper work supplied by this synchrony bank. I would receive statements saying I had not paid for two months. I also paid outrageous and continue to pay late fees whe 5. I paid online numerous times and do not even see any payments applied to this account- I tried many times to explain that payments sent to protect my credit - until this nightmare would be over, could not even be found!!!
6. I never ever said to open another account when I called to report this account should not be opened. I have no idea what the balances represents as I feel I paid twice for anything bought online due to the fact I was using my own bank debit card!
7. No legitimate information over the years of requests were granted to me and none of the information posted to this account is legitimate to me. to verify this account over years. The countless times when i called about my account two months behind, because They would then leave messages for me back then should be further proof that they made contact and I continued to tell callers that I have no idea as to why this account exists and requested more than 10 times verification of the account and a full accounting and statements. Never were they sent until I got In Touch with the consumer financial protection agency at the US government - had I received any type of follow up.
6. I demand that this unscrupulous entity be charged with unauthorized use of my personal information. I have an excellent payment record and I allow the Bureau to check that out - they will see that this company PayPal is the only one reporting negatively about me. I pay my bills when received and this is what I did with this company - not knowing it is crazy.
7. I have been harmed by this entity and continue to be so with lack of accountability for this mystery account. This nightmare feels like it will never end. I was advised by my credit reporting company to file against PayPal too!
It just goes on. I will file many complaints as needed- for however long it takes to get my credit and get the money back that was stolen and mishandled countless times.
8.I have had excellent credit with no delinquencies for over 30 years till PayPal
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| 08/11/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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On XXXX XXXX, 2015, I was attempting to make a purchase at Lowe 's for {$1700.00} for floor tile. I asked the sales associate, " Would it be possible to split the transaction by making an additional payment on my Lowe 's card? '' and thereby make funds immediately available on the Lowe 's card to split the {$1700.00} purchase. the intent was to use the Low 's card as split payment to take advantage of the XXXX-month no interest feature on the Lowe 's card for purchases over {$300.00}. However, when attempting to complete the transaction as verbally agreed upon by the sales associate prior to swiping my debit card, wherefore after my debit card was swiped for {$770.00} my Lowe 's card was subsequently declined. Much to my surprise, I am standing there trying to figure out haw any of this was possible when I had set-up bi-weekly recurring debit payments from my bank account of {$64.00} for my Lowe 's account effective since XXXX 2015 through XXXX XXXX, 2015. In addition, I made a payment on my Lowe 's account XXXX XXXX, 2015 for {$67.00}. Therefore, I was puzzled as well as surprised to learn on the spot without any prior notification that my Lowe 's account had been closed. More disturbingly is the reality of numerous communications with Synchrony Bank regarding my Lowe 's account, most recently Thursday, XXXX XXXX, 2015, wherefore at no time during the communications with XXXX that customer service representative were there ever any mention of closure of the Lowe 's account. There certainly appears prima facie to me from what I have experienced a potential fraud on the part of Synchrony bank as it relates to the transaction described herein to include the frequency of recurring bank drafts that were established for {$64.00} XXXX and the subsequent closure of the Lowe 's account. at no time with the creditor payments being made by the creditee via direct bank draft present and future should the account been closed without the proper written notification as a matter of law as it relates to full disclosure to the creditee for financial transaction. There was no full disclosure in regards the closing of the account even though the creditee was making regular creditor payments, which is a violation of law and potentially a fraudulent practice by said creditor as the creditee did initially suffer financial harm with the deceit perpetrated by the creditor in its representation to the creditee in regards to this transaction and all future and present payments made to include account status. As a remedy regarding the contents described herein at minimum, the Lowe 's account should be reinstated. Any late fees and/or other fees associated with the closure of the account should be refunded and abated to include the removal of all negative information that has been sent present and/or future to the XXXX major credit bureaus XXXX, XXXX, and XXXX because the erroneous closure of an account should be corrected with an entry as " pays as agree. '' To do anything less speaks to the conflicting statement of " Valued Customer '' when it is the said customer in this instance who has through making regular, and recurring payments attempted to fulfill the obligation associated with said creditor through the creditor, creditee relationship which has been severely damaged as a result of the creditors actions. This speaks to the billing statements that the creditor has sent regarding their willingness to work with the creditee yet their action on all accounts specifically the closing of the account despite accepting frequent recurring payments. Wherefore in reality the statement " If you are having difficulty making payments, we have several temporary repayment options available to help make this easier for you, '' by said creditor in billing statements, yet the reality is creditor closed said creditee account without any notice despite recurring payments.
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| 09/26/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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My payment is due on the XX/XX/XXXX I set up an electronic funds transfer ( check payment ) for XX/XX/2019. I expected the funds to be there, but my deposit didn't come in time so the payment was going to bounce. I logged into my app and tried to stop the payment but it said " payment processing '' so I couldn't stop it. I called customer service at XXXX XX/XX/19 and told the representative what happened and asked if this would be an problem. He said no because my payment wasn't even due yet. He told me to just go ahead and make the payment on XX/XX/19. I went into the store and made a {$60.00} payment ( my minimum payment was {$27.00} ) on XX/XX/2019. I had missed no payments since opening my account back in XX/XX/XXXX.
I got an email XX/XX/19 from XXXX XXXX asking me to log on and view my score because I had an account close. I logged on and to my shock, it was my JC Penney card. I logged into the JC Penney 's app on XX/XX/2019 to make sure my payment had posted and to see if any late fees were assessed and a message came up stating my account was closed.
I was shocked because I couldn't figure out why it could be closed. So I called customer service and spoke with a rep and he said it was closed because I had bounced 2 payments in less than 12 months. I said to him that when I called on XX/XX/19 that representative said no worries because my payment wasn't even due yet and I was fine. This rep told me but since I had done it in 24 months that they closed my account. I asked him if it was 12 months or 24 months. He said 12. I said but it doesn't make sense because my account is in good standing and I haven't missed a payment until recently but I paid that. And the payment that bounced in XX/XX/XXXX was because my bank posted my payments and then my deposit.
The rep told me that their system just automatically does it and it can't be reversed.
Later that night, I went home and I read my disclosure again and no where in this disclosure does it state that this would happen. I am on paperless billing/statements so I went online and I downloaded my bills and none of them stated this. They do state there are additional billing notices on the back page but the downloads don't give you the back of the page, just the front.
So on XX/XX/19, I called customer service again at XXXX and spoke to XXXX and I asked her to explain to me why they closed my account. She said because I bounced 2 payments. I asked if to ask a manager if it can be reopened due to my good payment history. She put me on hold and came back and said the manager said it couldn't be reopened but I could apply for another card. I said that didn't make sense. I'm just trying to figure out how is it possible for them to do this. I asked her where in writing was a notified that this could occur if I bounced 2 payments. She put me on hold to check the disclosure. She came back after about 3 minutes and said that their disclosure states that they can close my account at any time. I said I see that but where does it state that they will close my account after 2 bounced payments. She said it says they can close my account at anytime so they did. I said this wasn't fair. It's not like I had done something wrong and seeing as I haven't missed a payment or done anything fraudulent, how could they do this. She said because it says in their disclosure.
So now I'm writing to you in hopes that you can help me. I understand they have this in their disclosure but does that mean they can unfairly close my account because of some policy not written nor communicated with me? I feel like this " we can close at anytime '' message means hey, we don't like that you pay on time so we're closing your account. And that is unfair. Please help me. This has lowered my credit score by 10 points and I'm trying to build my score. Not only that, to close it without warning or explanation is unjust.
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| 07/14/2015 |
Yes |
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Web |
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I had duct work done, and this company made one mistake after another, had horrible customer service, and the quality of service and product is subparOn XXXX/XXXX/15 a crew of XXXX people came out to do the job and I was told the job would be complete before they left that day. However not only did they have to come out on XX/XX/XXXX they also had to return on XX/XX/XXXX. All more time I missed from work and from being able to attend a family trip to XXXX XXXX. Still today I am left w/ a job that is not complete. During the complete job I had to go behind the crew and have them correct one thing after another. A job that their led guy XXXX should have been handling. Yet being that XXXX and sales rep. XXXX could not agree on the design of air flow for the garage, XXXX developed an attuide towards me and the job he was here to provide. On XX/XX/XXXX when XXXX and his crew return to finish up the work they came in and only finished up the one vent in the garage.
List of things left not complete ; 1 ) XXXX ' X XXXX ' hole that was put in my garage ceiling when one of the workers fell through on XX/XX/XXXX. This allowed all air conditioning to escape into the attic and hot air to enter.
2 ) Did not fix XXXX ' crack left in laundry room ceiling and wall3 ) Did not install air filter in XXXX of the XXXX air XXXX ) Left copper tubing in XXXX ) Did not mastic the new return6 ) Did not mastic the bottoms or back sides of the air supplies7 ) Did not reinstall the fire safety switch in the air return ( was just left lying in the insulation in attic8 ) Did not change out the air vents as quoted9 ) They broke and reinstalled my air purifier upside down with the cord mastic behind the tape for the air supply10 ) They did not clean up all the insulation in the garage which was covering speaker boxes, table saws, leaf blower, etc.
11 ) They left all vents filled with insulation. This then blew through my house when I turned the system on.
12 ) They did not test the unit to see that it was operation properly13 ) They left a XXXX '' x XXXX '' hole behind the thermostat. Allowing hot air from attic to throw the thermostat off and the system to run constantly.
14 ) They left piles of insulation in the new water pan which would only plug the drain line15 ) They did not bring the16 ) They left empty XXXX containers and brushes in the attic17 ) Did not hang all the duct workOn XXXX/XXXX/15 I called XXXX 's office to bring all these issues up and spoke with XXXX XXXX 's himself. To my surprise he instantly got defensive saying, '' yup we just do XXXX work and are XXXX people ''! Shortly after I got a call back from XXXX the service manager and he arranged to come out and see for himself how the job and my home was left. He was in disbelief at it all. And told me he was floored when he walked into the office and herd the conversation between XXXX and I. XXXX had the conversation on speaker phone for all to hear. XXXX apologized and assured me that he was going to be sure that the job was finished up properly and that I would be completely satisfied once the new crew of XXXX fixed and finished what the original crew had left. However after this crew left I am still left with the copper pipe in the attic, the drywall was hung and only mudded. They did not sand it or apply the popcorn texture that exists in the garage. The crack in the laundry room was caulked not re-pop corned, and the crack in the wall there was just left as a crack in the wall. Not one of the vents in the house was changed out as quoted. And I have a vent in XXXX spare bedroom and XXXX in the living room that sounds as if it 's a blow drier.
I immediately requested that Synchrony Bank not pay this company and they did so any way. The company is using slander and discrimination towards me and the bank is telling me I have to pay for something that was not completed or done right.
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| 03/23/2017 |
Yes |
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- Unsolicited issuance of credit card
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Web |
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Dear Sir/Madame, Approximately 2 years ago, I became victim of identity theft. Someone was using my SSN to open credit card accounts. I was informed by more than XXXX bank that he/she provides a misspelled version of my last name. He/She does not have my correct address nor my correct phone number. The fraud was detected with no further incident. Around XX/XX/XXXX of last year, I received a call from a collection agency. I was informed that Synchrony Bank had opened a TJX account under the mispelled version of my last name. I clarified everything with the collection agency. I clarified everything with Synchrony Bank. However, I was disappointed in Synchrony Bank for granting a credit card account to someone using my last name incorrectly and for not notifying me all along that I would be put in collection. I chose to forget and forgive on condition that any account previously opened under the same circumstances with Synchrony Bank be closed immediately. ( I need perfect credit history as I am ready to request a 30 year mortgage. ) Last week I generated XXXX credit reports : my credit score was tarnished by a collection claim due to unpaid balances from a JCPenny credit card opened through Synchrony Bank. Once again, the account was opened under an incorrect version of my last name ( as was the TJX account ). I contacted Synchrony Bank to ask for an immediate resolution and for clarifications. I was informed that if my last name is just slightly misspelled, the Bank can open an account solely based on SSN without the need to reach out to the prospective client. I was informed that the Bank tried to reach me by mail and by phone. The mail was returned to them. The phone number was incorrect. Still, I was reported to a collection agency twice. Now, please consider the following : - Since last year, I spent a huge amount of time on the phone with Collection Agencies, Consumer Reporting Agencies, and Synchrony Bank to clarify the issues.
- I have been trying to start a mortgage. Until my credit history reflects my true self ( I was never late in any payment ), I wo n't get the best interest rates. Synchrony Bank informed me it may take an additional 2-3 months before my credit standing is correctly restored.
- As I look at my credit report, there have been 53 requests to check my credit history mostly from credit card companies. When I filed a police report last week, it was suggested I should change SSN. If the identity thief may have been disheartened by the fact that all of his/her attempts were rejected because the information was extremely inconsistent, he/she wo n't stop trying, knowing that there is a bank out there that will open an account even if my information is incorrect.
- The whole incident could have been avoided if Synchrony Bank had at least taken the time to contact me when so many signs were revealing a suspicious situation. They did contact me indeed when my bills were not paid ( to no avail because the phone number was incorrect ). Still, they put me through the " ordeal '' of collection.
I have to 2 sets of questions for you. I would be extremely grateful if you could address them or somehow offer some guidance.
- Can a Bank act so negligently and lightly to the expense of innocent victims of fraud? Can a bank open an account based on a SSN ( despite non-matching last name, address and phone number )? Twice?
- On a personal note, this incident has cost me a lot of time, the loss of potential financial investments and distress ( I feel like I am only half way through. ) What is the best way to hold the bank accountable for their negligence? I am not sure I am ready to contact a lawyer if there is any swift and less stressful solution. However, I will do whatever is required to get personal justice and prevent other people from going through the same experience. Please advise. Thanks for your attention.
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| 10/02/2015 |
Yes |
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Web |
Older American |
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On XXXX/XXXX/2015, I charged {$99.00} at Lowes because I get a 5 % discount for using my credit card ( and I rarely buy anything at Lowes ). On XXXX/XXXX/2015, I sent a payment of {$25.00} as payment on the {$99.00}. My bank pays my bills on the XXXX or XXXX of the month unless those days fall on Saturday or Sunday, if so, then the bills are paid the following Monday. I got a statement on XXXX/XXXX/2015 showing a late fee of {$25.00} because I paid my bill early. I called Lowes and they told me that I must pay my payment by my statement closing date, which was XXXX/XXXX/15. They say I can not pay early and if I do, I will incur the late charge. I owed Lowes nothing up until the charge on XXXX/XXXX/2015, so how do I know the interval that I should pay my payment since I had not been receiving a statement? This is unfair to the seniors, like myself, whose bank pays their bills and mine are set up like many others, to pay on or near the XXXX of the month. This unfair practice is costing people many, many dollars and is unfair and unethical. If I pay a payment during the 30 day period following a charge, I should not be charged a late fee, regardless of when Lowes thinks I should pay my payment. Why would any agency allow this practice to continue. Do you have any idea of how many people will just pay the late fee because they think that undoubtedly, their payment reached Lowes too late? I can tell you that there are thousands that this happens to. How many more companies are allowed to do this? Why? As I said, if a bill is paid within 30 days after the purchase, there should be no way that a late penalty is assessed. Below is my case in point.
Charged XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX ( Lowes received payment on XXXX/XXXX/15 ) Charge Late fee XXXX My statement closing date was XXXX/XXXX/15 so I did n't pay my bill on time even though that is the same day that I made the purchase!
Paid XXXX/XXXX/15 XXXX Although I do not have a new statement after this date, I was informed that I would incur another {$25.00} late fee, however they have retracted that since I called. Now they have removed the first {$25.00} late fee, but suppose I refuse that late fee payment, and I am reported to the credit bureau even though this is unfair of any company to penalize a consumer because they pay their bill early. It would affect my credit score. I am so curious to know how many people just go on and pay the late fees because they do not know, as I did not know, my statement closing date? Had I charged on XXXX/XXXX/15, and then made a payment on XXXX/XXXX/15, ( XXXX day prior to my statement closing date ) I would not have to pay the late fee. IS THAT RIDICULOUS? Why does any agency allow such a practice? There is no fairness or protection for the consumer against companies that do this kind of thing. If I am the first consumer to bring this to the agency 's attention, then people are just paying the fees and helping companies like LOwes make their millions at the expense of the consumer. I will be filing a claim with the XXXX in my area also as I want everyone to understand this practice, and the XXXX can help with that. Is there anyone else, besides the newspaper, that can help me get the word out to people about this? I am XXXX years old, have a credit score over XXXX, and have used credit for many, many years. I will be happy to give you my information so that you can verify my credit score. But, my point is, I have not run across companies that are allowed to do this. I am sending Lowes a check today in the amount of XXXX and I will close my account so that I do not fall into this trap again, because as I said, I rarely use my Lowes card and would not remember my " statement closing date '' several months from now should I charge there again. I want people to know about this and I am relying on a government agency to help me educate them.
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| 09/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Synchrony Bank has sent through the mail numerous and unnecessary duplicate documents containing XXXX or more of our social security numbers to me, my wife and my mother-in-law even though we had already provided this information and it was on file at the bank prior to them sending out the duplicate requests. I have tried to resolve this issue with the bank on many occasions for well over a year, without success.
My last attempt to resolve this issue was on XXXX XXXX, 2016. On that date, I spoke by phone to a Synchrony Bank representative and asked if the bank had received my wife 's signature card. Previously, I had already confirmed by both phone and secure email that the bank had on file a signature card for my wife. Once again the bank official told me that the bank had on file a signed signature card for my wife and told me that I could disregard the notice received in the mail requesting that my wife sign, date, and return the card to the bank. I then asked this official to have the bank stop sending a signature card request form for my wife to sign and return to the bank. I also requested that the bank send my wife a letter notifying her that the form was sent in error and to assure her that the bank would no longer request this information in the future. I was told that it would take about XXXX to 10 business days to get the letter I requested. Because of this conversation and XXXX earlier conversations with bank officials, I felt assured that the problem of making duplicate requests had been fixed.
Please note that I did not include my mother-in-law and myself in the above request because I thought we had been successful in getting the bank to finally stop sending us duplicate signature card requests after we provided them with our signed cards. Similar to my wife, the bank sent my mother-in-law and me many signature card requests and each time we would contact the bank and the bank officials would confirm that they had our cards on file. The last contact with bank officials was many months before and we had not received a duplicate request for a long time.
On XXXX XXXX, 2016, we received a letter from the bank responding to my request for reassurance about my wife 's signature card. While the bank 's letter acknowledged that they already have a signature card on file, they did n't reassure us that they would no longer request this information in the future. Rather than reassure us that this practice of putting our identities at risk has finally been fixed, the bank asked us to and I quote : " ( Please disregard any duplicate letter requests ) '' However, shortly before receiving the Bank 's letter on XXXX XXXX, my mother-in-law and I each received a request for my wife to sign and date a signature card.
Furthermore, in separate letters received XXXX XXXX, 2016, Synchrony Bank requested that my mother-in-law and I each complete a signature card for ourselves. As explained above, I thought the need to have a signature card on file for us ( my mother-in-law and me ) had been resolved many months ago but now it has apparently shown up again.
Synchrony 's seemingly cavalier business policy of repeatedly mailing duplicate documents containing our social security numbers has placed us all at increased risk of having our identities stolen. We do n't know whether we received all the duplicate requests sent by Synchrony Bank. Simply based on all the many unnecessary duplicates that we know they have sent, it is not unreasonable to believe that additional requests likely have been sent but never received because they were lost and possibly stolen in transit. Therefore, it is possible that XXXX or more of us unknowingly already have had our identities stolen because of the likelihood that some of the numerous and unnecessary duplicate documents containing our social security numbers were sent but never received.
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| 04/28/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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A few months before I was due to have a baby, I purchased maternity clothes on Gap.com with my Banana Republic credit card. I had a credit card credit at that time, which I believed would cover the entire purchase. It turns out that there was just a small amount that was not covered. In the meantime, due to XXXX my pregnancy, the outstanding balance did not come to my attention until after I was hospitalized. Due to the addition of late fees, my outstanding balance went from I believe below {$100.00} to above {$100.00}. ( I do not have access to the specifics at this point b/c the company that services the Banana Republic credit card has locked me out of viewing my account history online. ) Once the balance came to my attention, I paid the account -- late fees included -- in full. Just today, I attempted to make a purchase with my card and was told that the account had been closed. I had no notification of this. I called the credit card company to explain my situation and request reinstatement, and was told that they were not obligated to notify me of the account closure and that they could not reopen the account. I was told that I would have to reapply and start from the beginning ( i.e., I would lose all of the " XXXX benefits of being a very long time credit card holder and reaching a certain spending threshold. ) I find this completely unreasonable in light of the fact that I had previously been a very long time account holder with no problems whatsoever paying my account in full -- thus the " XXXX '' status in the first place. The outstanding amount -- again, which I have paid in full and which increased exponentially due to late fees ( i.e., the original outstanding balance was much much less ) -- reached only {$170.00}. I do not believe that credit card companies should simply be able to close your account, revoking all of the benefits that you have earned, with no warning or notification -- especially considering my personal circumstances.
I filed a complaint with CFPB ( Case # XXXX ) requesting that my account be reinstated at the same benefit level I had previously reached. I.e., that I wanted to reopen at the " XXXX '' level. This was and continues to be extremely important to me as it required spending a great deal of money in XXXX calendar year to reach that level. This was the main reason I filed the complaint. Secondarily, I requested that the late fees be refunded, but the number XXXX reason for my complaint was to have my account reinstated at the XXXX level ( or, if for whatever technical reason reinstatement was not possible, I wanted to open a new account at the XXXX level, instead of having to start at the very beginning with no XXXX benefits ). The late fees were MUCH less important to me. The company responded to my complaint by refunding the late charges, but did not address the main purpose of my complaint : the closing of my account and the loss of the XXXX benefit level. Perhaps there was some misunderstanding as to the requested resolution, thus I am filing this new complaint. I absolutely do not think that it is a fair business practice to close someone 's account ( with my account history, personal circumstances, etc. ) who has reached a certain benefit level and only allow them to reopen at the base benefit level, as credit companies would have a vested interest in targeting accounts at higher benefit levels so as to no longer have to offer the greater benefits and/or to force the account holder to once again reach a certain spending level to obtain the benefits they had already earned. Also, the company 's response to my complaint indicated that it attempted to contact me, and I do not believe that this is true. I have no record whatsoever of calls, emails, or letters from the company on this issue. I called the company again to discuss, but they said I 'd have to file another complaint
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| 11/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XXXX and part of XXXX I was out of town. I was paying my bills on XXXX/XXXX/XXXX. I opened up my Walmart MasterCard statement with the closing date of XXXX/XXXX/XXXX. I proceeded to write a check for the amount of {$3500.00} without looking at the entire statement. I knew at the time that the payment would be late and would be charged a late fee. On the statement that closed on XXXX/XXXX/XXXX my balance on the statement was {$5300.00} including a {$27.00} late fee and {$65.00} in interest. I deducted the first amount from the balance and sent the card {$1700.00}. I did not look at the rest of that statement, knowing I owed on some charges for this month also. On the statement closing on XXXX/XXXX/XXXX I realized I had n't charged anything in the last month. I had been charged {$370.00} for XXXX that I or my family had not purchased. I called Synchrony Bank and talked to a fraud agent named XXXX. XXXX asked me several questions regarding my account. He informed me that I had more XXXX charges on the two previous statements totaling {$2200.00} and that I had more charges on the statement that was closing on XXXX/XXXX/XXXX of {$320.00} in XXXX charges. XXXX closed out the account on XXXX/XXXX/XXXX and issued a new card and number. He also assured me It would be taken care of and not to worry about it. The investigation would take up to 90 days, so I was very nervous about it. I also called XXXX and made a complaint to them and they were going to investigate it too. I was assured by both entities that the process would take time to investigate and to not worry, that I would get reimbursed. When I received my next statement closing on XXXX/XXXX/XXXX Synchrony Bank had reimbursed my account and I had a credit of ( {$2200.00} ) on my new card. I was relieved to see the credit in my favor and believed all was said and done. On my statement with the closing date of XXXX/XXXX/XXXX, I had looked at my statement and Synchrony had put {$2700.00} worth of XXXX charges back on my statement. During this time I had made some purchases for different places in the total amount of {$1000.00} from XXXX to XXXX/XXXX/XXXX. Synchrony Bank only reimbursed me {$320.00} on this statement. My new balance that I owed was {$1400.00}. I called Synchrony Bank and talked to a man named XXXX and he connected me to a woman named XXXX in the dispute department. She told me to just pay the minimum, which was {$35.00} and I did. I made a couple more purchases on XXXX and XXXX of {$2700.00} on a refrigerator and a XXXX XXXX.I sent Synchrony Bank {$1000.00}. I was also charged {$64.00} in interest and late fees charged of {$35.00} on the statement closing on XXXX/XXXX/XXXX my balance owed on this statement was {$4200.00}. On the statement that closed XXXX/XXXX/XXXX my balance owed was XXXX. I had interest charges of {$56.00} and a credit of {$14.00} in rewards. I paid {$100.00} on this statement. On the statement closing on XXXX/XXXX/XXXX my balance is {$3200.00} including interest charges of {$50.00}. I paid {$100.00} on this statement on XXXX/XXXX/XXXX. I received several letters from Synchrony Bank over the last few months. I was told in one that I benefited from use of card/participated in purchases so I am responsible for the account balance. I talk to another man on XXXX/XXXX/XXXX and even after I sent in more documentation from XXXX that they were not my charges, told me I should be responsible for the fraudulent charges because I did n't look at my statements and the charges went on for 4 months, when actually it was only to billing cycles and that I had made payments in full for those two months. I got very angry and upset with this man. I could n't believe he was treating me so bad. All 's I wanted was to have my money reimbursed. I am at my wits end with both the entities. The call from the Bank was recorded. Please help me get reimbursed soon.
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| 11/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I'm writing this letter concerning XXXX of my credit cards. That are through Synchrony bank this all started in XX/XX/2023.
When someone from the bank listened to my story. Regarding flooring done by XXXX
She suggested and filed a disbute against them. XXXX XXXX ) In the process I received a letter stating that I was not to make a payment.
On the amount under investigation. Until there was a decision.
I misunderstood the letter and did not make a payment, on the entire bill. My first time.
Let me say that every action that was done in this process. I found out the results via credit karma sending me alerts. And later receiving a letter from them.
I received an alert from credit karma that I had a XXXX point drop on my credit.
Credit limit had dropped from {$1900.00} to {$1000.00}.
But the reasons made know since, I sent an inquiry to the corporate office of the president.
I spoke with someone from XXXX who said that the reasons given was not their doing.
Even though the letter bared their name and address, and that they were not reasons in their opinion to decrease the credit limit It was put under investigation and I would receive a letter. Concerning their investigation.
The charges were reversed by the bank in my favor and then they were reversed again in the banks favor.
Shortly after that I received an alert once again from credit karma, stating another decrease.
This was my TJMaxx that was {$1000.00} and reduced to {$250.00}, they stated XXXX of the reasons as I didnt have a mortgage.
At this point I began to feel like I was dealing with retaliation and discrimination.
They finshed with their " investigation '' which consisted of them using the waiver. That did not sign from the floor installer. Which bore the intials of my XXXX XXXX XXXX XXXX child.
The flooring company manager from XXXX, said that this was not how they did business.
He did come out and stated that the installment was done incorrectly and promptly went to make the situation right.
I finally spoke with the person from the president office at Synchrony bank. Even today as I write this letter. I'm not sure why she called me.
XXXX XXXX the represetative from the president office was rude, nasty, and very condescending.
She was not willing to answer my concerns of retaliation. Because she believed that they were right because I missed a payment.
Other then to say that retaliation and XXXX bias doest happen. XXXX XXXX kept saying. " Those are XXXX issues not ours.
She would ask me questions about what happened and then cut me off. She made statements like it is the responsibility.
Of the consumer to read the information before accepting the credit card. She was very short and she left me feeling. Like I was a liar and a XXXX consumer. I was angry, exhausted and hurt. And cried alot throught this process.
I finally aasked her why did she call me, if she knew what she believed to be true. And already knew their decision.
Fast forward on XX/XX/2023 I received another credit karma alert that I had another credit card to decrease.
It was for an air coditioner credit card XXXX that was {$5000.00} that was dropped to {$250.00}. Which I never used before.
I can't wait to see the reason for this decrease, after being sick from XXXX. I was able to build my XXXX XXXX up.
It has taken me several years to get my credit together. In a matter of a little over a month.
This bank has deatroyed and walked awey without any thought. How they have ruined my credit and left me to pick up the pieces.
And they said that they don't operate out of retaliation or practice discrimination. It sure looks that way to me.
The fact that these XXXX cards have been affected, Scares me for the other cards I have with this bank. And my credit.
XXXX needs to be made aware of these types of practice.
Thank you, XXXX XXXX
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| 02/15/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX C XXXX XX/XX/XXXX Consumer Financial protection Bureau XXXX XXXX XXXX XXXX Washington D.C. XXXX CC : Old Navy ( Apparel ) Inc Corporate Shared Service Center XXXX XXXX XXXX XXXX XXXX NM XXXX To XXXX XXXX XXXX and the CEOs of Old Navy Inc XXXX XXXX XXXX XXXX XXXX , CA XXXX RE : Illegal credit denial, Credit Report tampering and Violating FCRA laws.
During the XXXX shopping season my fianc and I decided to buy presents at the XXXX XXXX XXXX XXXX in XXXX. Bouncing from Name brand stores searching for the perfect gift for family members can get expensive. So, when I had seen the Old Navy store, the ability to use my credit line was the reason that I walked into the store.
My account was paid off before months before entering the store ( especially because I have had credit problems with this company in the past, but this was the holidays and I was intending to pay off the account immediately ).
As I searched among the piles of clothing on sale, I found the perfect gift for each one of my family members. XXXX XXXX flannel pajama pants, I envisioned the entire family wearing the PJs watching the game on XXXX XXXX. In the store, they only had one pair of the Pajama pants, so when I went to the counter I was pleasantly surprised that I could order more at the register from the online stock.
I explained clearly that I didnt have my card with me, but I have purchased before without it. The cashier began the process of searching for the PJ pants and was very patient with ordering every size and denomination of the PJ pant. Giddy with holiday spirit, I told her to charge the total transaction on my Old Navy account.
The cashier claimed that my account did not exist ; I knew that she was delirious, it was Sunday around noon and I probably could not resolve the credit issue immediately.
I wanted the clothing ; I gave her my Military ID to use the discount. At this point, the cashier told me to re-enter my ID and SSN on the screen to reactivate the account. I doubted the request, but what could I do? After my entree, I was told the application was denied.
My happy glee went to angry. I paid cash for my transaction and I received the order from online in time to gift rap before the holidays.
Receipt for the initial transaction, will prove the location, the cashier, the register used and what time this all took place in the store. The worst part of this violation is I do have an active account that was paid off before the transaction.
The cashier intentionally ( for whatever reason ), knew that my account existed.
I purchased nine XXXX XXXX flannel male pajama pants in two separate transactions. She knew that the online purchase would not register as a transaction within my account.
The incident triggered a denial letter from Synchrony bank with is the creditor for Old Navy. A denial trade-line and a negative inquiry on my credit report from all three credit repositories.
Monday, XXXX, I was able to call about my account, which was active and in good standing.
XX/XX/XXXX, I was completely humiliated while speaking with this company. I contacted customer service to have them send me a new Old Navy card ( to verify an active account ). A customer service person told me that my account would have a 54-day late payment notification payment for XXXX dollar. Apparently Old Navy had placed a late payment trade line for a thirty-day late account for {$1.00}.
During the conversation, I was able to order my Old Navy card and also reverse the dollar and the potential to have the account listed as a late account because of the charges.
Old Navy has repeatedly violated my FCRA rights ; I am at the beginning of my own investigation of my own statements to see the pervasive damage of my credit of the long term effects of every incident.
Sincerely disenfranchised XXXX XXXX
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| 04/28/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
Older American, Servicemember |
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I wish to submit a formal complaint about deceptive practices XXXX XXXX store is conducting on consumers about furniture sales. The location I am referring to and the date I purchased furniture is listed below.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date of furniture purchase XX/XX/XXXX Details On XX/XX/XXXX my husband and I were out looking for furniture at various stores as we were remodeling our kitchen and living/dining room areas. We did not initially go into the store with the intent to purchase that day, however my husband bonded with the salesperson XXXX XXXX as he is former military as is my husband. XXXX convinced us he would give us a great deal due to this on a couch and love seat we were looking at. We ended up purchasing both in addition to a dinette set. The salesman XXXX then encouraged me to apply for an XXXX credit card for an additional line of credit and deferred interest should I pay within 12 months. I applied and was approved on the spot. XXXX then proceeded to sell us furniture protection plan for an additional fee. He explained that if ANYTHING happened to the furniture regardless as to the problem, it would be replaced. He gave several examples which made the plan very appealing, so we also added it on.
On the drive home, I went to XXXX website to view our furniture and read reviews. I did so because we had not initially planned to purchase anything. Upon review I discovered that XXXX had overcharged us on both the sofa and loveseat we had just purchased. We were not sold the price they advertised. My husband called XXXX and we went right back to the store. XXXX redid the charges to reflect what our initial fee should have been. Had I NOT researched we would have been over charged.
Complaint # 1 We were overcharged {$1700.00} for the sofa revised to {$1400.00} We were overcharged XXXX for the loveseat revised to {$790.00} Initial charge for everything - {$3800.00} and revised to - {$3300.00} Complaint # 2 The table we purchased became scratched on the surface, so we called the company listed on the agreement XXXX provided us - XXXX XXXX XXXX XXXX. They sent a rep out to our house who took pictures. No paperwork provided. We never heard from them again, so my husband called to follow-up. We were informed the table could not be replaced because the scratches were OUR fault. I did not contest at that time because both my husband and myself work and we did not have the time to fight. The table however now had additional cosmetic damage the faux wood chipped. My husband went directly to the store this time on XX/XX/XXXX and spoke directly with the store manager XXXX XXXX regarding our displeasure. She advised it would be taken care of as it was less than one year and there was a store warranty on the table. Again, the company sent the same rep to our home. He reviewed and went to his truck to obtain glue and other materials to fill the damage. My husband informed him that would not look nice cosmetically and we wished to have the table replaced. No paperwork provided. Again, we had to call this company for follow-up. Again, we were informed the damage was OUR fault and the table would not be replaced. This is not the information we were provided when their salesperson XXXX sold us this table or when my husband spoke with the store manager. AGAIN, we were deceived. We have only had this table 6 months. My husband called the corporate office to complain and we were told there is nothing they can do.
XXXX XXXX should not be able to get away with these deceptive practices. I paid my invoice IN FULL in XX/XX/XXXX. I fulfilled my debt now it is XXXX turn to fulfill their end. Its the least they can do due to the overcharging drama they tried to get away with. I am very disappointed in the way they are treating me as a consumer. This table needs to be REPLACED. I hope someone can assist me.
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| 09/19/2016 |
Yes |
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Web |
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I am bringing to your attention an issue with the Synchrony Bank/Amazon.Com credit card. I was running XXXX promotional balances, XXXX due XX/XX/XXXX, the other not due until XX/XX/XXXX. In order to ensure that I paid off the promotional balances entirely by the due date and was not stuck with paying accrued interest charges at an astounding 26.24 %, I allocated my monthly payments on an automated payment plan assuming that my entire payment would go toward the promotional balance with the nearest expiration date. However, instead of allocating my full payment each month toward the promotional balance that was due in XX/XX/XXXX Amazon inexplicably allocated ( without any notice to me ) a portion of my payment to the promotional balance that was not due until XX/XX/XXXX. When I called the credit card company, they had no explanation whatever, other that a lot of nonsensical gibberish, so I asked to speak to a manager. When I finally was allowed to speak to a manager she appeared to pretend that she did not understand what I was asking. I finally insisted that she look at the bill with a closing date of XX/XX/XXXX that reflected that my total current promotional balance for XXXX charges with a XX/XX/XXXX expiration date amounted to {$250.00}. I noted that I had paid {$150.00} on XX/XX/XXXX but my bill for the following month with a closing date of XX/XX/XXXX reflected that my promotional payoff amount was {$120.00}. I pointed out that if you subtracted my payment from the {$250.00} promotional balance from the month before I should have owed {$100.00} NOT {$120.00}. The supervisor say they had to apply a part of the payment to the non-promotional balance. I informed her that there was no non-promotional balance on that bill, only XXXX promotional balances. She then said they were " required '' to apply the payments as they did. she informed me that the only time they apply the full payment to the promotional balance is in the month in which the balance is actually due and that at all other times they allocate the payment among all balances due. I complained that their practice made no sense at all and appeared calculated to trick customers into paying too little on the promotional balance so they will end up with such a large payment on the actual due date that they can not make the payment and thereby incur the astronomical accrued interest charges. I pointed out that I had calculated my payments to the dollar, assuming they would allocate ALL of my payment to the balance for the nearest expiration date and if I had not quite by accident noticed what they were doing that I would have been improperly stuck with an improper and possible illegal interest payment. She replied that the only way I could ensure that the full payment would be fully applied to the next due promotional balance would be to telephone them every month and tell them to allocate my payments in that fashion. I told her this was wrong, fraudulent and calculated to trick the customer into paying the accrued interest charges. I said I was going to report this concern to the Consumer Financial Protection Bureau. Today is Monday, XX/XX/XXXX, and I just 15 minutes ago or so hung up from speaking to the supervisor at Synchrony Bank/Amazon.Com credit card company. I am totally and completely dissatisfied with the response provided to me by the credit card company. This to me appears fraudulent on its face and calculated to mouse trap the consumer into thinking he/she is paying off the promotional balance only to find out when it is too late that the credit card company had used some bizarre allocation method that only benefited the credit card company and their ability to charge exorbitant deferred interest charges. I hope you will do anything and everything in your power to end this shameful, deceitful, fraudulent and hopefully illegal practice. XXXX XXXX
|
| 12/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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I have done business with Synchrony Bank for several years. I have never had a returned or late payment. This month, for some reason, my payment was posted on XXXX XXXX for XXXX dollars and it did not reflect on my available credit, so I could no longer use the card. This is very problematic, because I have some automatic payments that use this card to take payments from. This may cause me extra work and possible late fees from these companies.
I called Synchrony on Sunday, XX/XX/XXXX, to find out why. The automated system told me that I could just make a payment to free up credit. I issued a payment of {$1000.00}. In the past, that would credit right away. It didn't this time, so I called a representative. I asked her why all of the sudden why my payments weren't freeing up my credit. She said that there was an algorithm that decided that and there was nothing anyone could do. She said the payment would be held until XX/XX/XXXX. I asked about the new payment that I made. She said the XXXX on that one, so I cancelled the XXXX payment. It no longer did me any good.
When the XXXX came, I needed to pay my travel agent for a purchase. I checked my account and was horrified to find that the payment was still being held. I called customer service again. This person gave me a different answer as to why this was happening. I asked him when my payment hold would end. He said it would at the time I made my payment a week ago. I told him that I didn't know because it was a credit card transfer. He kept asking my what time I made the payment. I don't think he understood that there is no way I can tell what time a balance transfer comes into their office. I asked him why this was happening in the first place. He claimed that the payment I made was too big ( XXXX ). That made no sense at all because I had made large payments before and never had a hold. He told me that he guaranteed that my {$6000.00} payment from the last month was held too. I informed him that it wasn't and that my {$1000.00} dollar payment was going to be also held. He claimed that the previous representative that told me that on the XXXX was wrong. I informed his that she wasn't wrong about that because I wasn't getting credit for that payment either when I checked the account. He clearly had no idea what he was talking about, so I asked for a manager.
The manager told me that the reason for the hold was that I made multiple payments in a month. That also didn't make sense for two reasons. The first reason is that I have made multiple payments in a month before and this has never happened. The second reason that that doesn't make sense is that when you call the customer service number, they actually tell you that you can make a payment to free up your credit ( which would cause a multiple payment ). He informed me that I would have my money freed up by midnight. I then informed him that I would be filing complaints against his company for causing all these problems for no reason on a custom that has been perfect with payments for several years.
This is extremely frustrating because had they warned my that they would start messing with my money for no reason, at least I could have made other arrangement. It just happened out of the clear blue. It also causes problems with people and companies expecting to get paid and may cause me late fees. The fact that I got 3 nonsensical answers from 3 different representatives is also unbelievable. All this information can be verified. 1 ) I have a perfect payment record with the company 2 ) I have made large payments and more that one during a billing period in the past with no nonsensical holds on my money. 3 ) All phone conversations were recorded so it can be verified that I am telling the truth about what I was told. Credit card companies should not be allowed to play these games with customers money!
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| 09/22/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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I have filed a previous complaint, but can not get back into my file to respond. I have also contacted CFPB, but the steps for getting a new password did not work.
My complaint is two-fold.
I have filed 3 disputes with XXXX XXXX about the incorrect billing since XX/XX/XXXX. XX/XX/XXXX, I called and the agent asked me to pay only {$24.00} and discussed my problem. Right after that I filed a dispute. I had to file 2 others because their collection dept continues to call me asking for various total past due amounts and never shows a dispute was filed. They then offer to file it again for me and I let them. ( 3 times now ) I made another payment of {$100.00} recommended by their agent XXXX, XX/XX/XXXX when I called for an update .and then had to file the dispute again later.
The agents also never know how much my monthly payment is supposed to be or the term or if interest is charged.
XX/XX/XXXX The store mgr. of 'XXXX XXXX ' where I purchased and exchanged a mattress called XXXX XXXX at my request ' re : my dispute and tried to get it corrected .He spoke with a girl named " XXXX ' who refused to give an ID # and would not let us speak to a customer rep because the 'past due ' amounts were not paid ' even if the payments were wrong and disputes filed. She advised us to make the pmts and call back in 60 days. The mgr asked me to wait the time and let them correct the amounts and pay the bill.
XX/XX/XXXX I called Syncrony again and spoke with XXXX ( XXXX? ) in the Ohio office to try to make some kind of corrected payment and find out the status of my disputes. She advised me there WAS a dispute on file and no payments were expected to be made until it was settled.
. Today I have rec 'd XXXX XXXX response to my original complaint days after this response advised me " a payment was due on XX/XX/XXXX. '' The amounts seem to be incorrect and the term is unclear, and they seem to be charging interest, but I can not really figure it all out. I have left 2 messages for Customer service to discuss it on their voicemail/answering device but no one has called me back.
I have also visited the store Mgr. XXXX XXXX XXXX at XXXX XXXX for help with their still incorrect bill and he tells me he can not do anything regarding this problem and will not call Syncrony again in my behalf and will not return the mattress. ( which I have asked to do since XXXX ) He said they are not responding to the call he made in XXXX XXXX when I was present and ( he ) XXXX XXXX takes no responsibility for this situation. He told me to deal with Syncrony. He does n't understand their billing either.
I have a XXXX XXXX Card which I did not ask for and it is only good at XXXX XXXX..I did not know it would prevent me from exchanging or returning the merchandise I have enclosed some statements to show the confusing amounts, terms and payments.
The bed I have cost {$900.00}, the frame was {$420.00} the term was 3 yrs at no int. the exch fee was & 70.x ( 2 exchanges ) the total of my purchase is aprox {$1500.00}.
CFPB SHOULD NOT CONDONE absolutely outrageous business practice of merchants not being responsible except for extremely low periods ( or not all ) TO THE CUSTOMER after Syncrony purchases their sales contracts to customers and the customer is not aware of this process and its ramifications especially if the item is not satisfactory. AND Syncrony is in total control of ' allowing ' financial adjustments for customer satisfaction. They just do n't have to do it.
Banks purchasing customer contracts for misc. merchandise is becoming a rampant grab of debt now, and they are not responsible for any of the Merchants conduct toward the customer and the Merchant is not responsible toward the banks handling of changed billing. They can both just ignore you and force you to 'live with it and pay for it ' or ruin your credit.
XXXX XXXX XX/XX/XXXX
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| 09/09/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
Servicemember |
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I reported through Paypal after not receiving a response from the on-line merchant that the XXXX separate annual subscriptions were found to be unusable and DID NOT provide what the subscription stated I would receive. Their site did not provide customer service, however, by filling out your automobile 's Make, Year, Model and what should have been it 's VIN No. the Consumer would easily discover if there had been any XXXX which they could print off and take to the dealer or any additional formal RECALLS such as the Air Bag Recall which XXXX is still reporting they do not yet have at my only XXXX Dealer in my area. It has been over six months since I received this recall and this site was to provide any updated information. However, it did n't even narrow down the TSBs to my particular model and there are as many as XXXX different versions of the same XXXX. It also did n't pay any attention to the Consumer 's Profile that listed this information. The Vendor was XXXX and used XXXX as their site. Once I was inundated with pages of listings of every XXXX ever issued, it was impossible to even find XXXX that was specific to my XXXX vehicles which I purchased a subscription for XXXX. I immediately emailed the company for an immediate refund but did not receive a response. Having heard nothing, I then logged onto my Credit Card Site which is a complete mess as it is merged with Paypal and while my card state that it is a Paypal Credit Card, the previous name remains. When logging in the customer has to then choose the credit card site and with any other credit card, I can then easily dispute the charges and begin the process of contacting the merchant via the credit card processor. Unfortunately, Paypal uses Synchrony which I find very difficult to deal with and was directed to Paypal RESOLUTION Site. According to the Credit Card Act and other laws regarding Consumer Protection, I am to receive a temporary credit of those charges until the matter is resolved. Usually, the temporary credit is eventually taken off as the merchant willingly issues a chargeback. However, this new XXXX Site forced me to first try to resolve the issue with the merchant plus it would ONLY allow me to dispute XXXX item when there were XXXX of the same amount. This occurred in XXXX although their dates are incorrect. The transactions had not yet posted to my new Statement. Although once they did, I was still unable to dispute any other transaction which I continually notified Synchrony and Paypal of to no avail. They also would NOT issue the temporary credit until so many days had passed for the merchant to respond to the dispute. When I finally was able to move the matter to a higher level, I was instead presented with a compromise solution by Paypal because the Merchant had still never responded. It would NOT allow me to proceed or refuse the compromise which they calculated somehow by making the amount of the Credit almost half of the charge. And the ONLY reason it has been this many weeks is because Paypal tries to have the customer forget the timetable and the matter is closed automatically. I could not move the matter forward but it stated that it would close in four days so I took off {$5.00} each but when I hit submit it would n't take that either. Moreover, Synchrony was still showing that I had a payment due in less than nine days of the amount of the disputed items. I then tried to use the card for a small amount and it was denied. Synchrony had placed a hold on it as if I was at fault or had done something that warranted my card being frozen. The matter is still not temporarily credited to my account and if I do not pay the minimum amount, it will be reported to the Credit Bureau. Now this is a clear violation of my Consumer Protection rights and the Bill Payment Act. I have now found the status to be under Paypal 's Review???
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| 12/28/2016 |
Yes |
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- Closing/Cancelling account
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Web |
Older American |
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I opened an account on XXXX/XXXX/XXXX with Synchrony Bank for a Care Credit Card to get some dental work done. I continued to make payments. In XXXX of XXXX, I noticed that monthly minimum was beginning to go up. I am self employed and I had a poor year for income during XXXX and I needed to find ways to cut my expenses. I contacted Synchrony Bank on XXXX/XXXX/XXXX to close the account and see if I could make payments on the balance for a period of time. I reached Customer Service in XXXX. I spent about 3 hours talking to various people including several managers. I finally got frustrated and made a payment of {$50.00}. I called again on XXXX/XXXX/XXXX and got XXXX again. I requested to be connected to a rep in the US. It took several attempts and finally a manager transferred me. I explained what I needed to do and was transferred to the collection department. The rep there explained that there is a program to resolve my request. We began the process and concluded that the account was to be closed and that I would now pay $ XXXX month for a period of 4 years. This was a big relief. The last statement was {$170.00}. Now there was no interest charges or other fees. I then asked if we could do the same for my husband 's account. That was taken care of as well. We were required to make our first payment by a certain date. The payments were made. At this time there was no mention of the effects this will have on my credit profile. I then began getting phone calls from the the collection dept. in XXXX or XXXX about a missed or delinquent payment. I said the account was closed I had made arrangements with the Bank to make payments.I then called again the collection dept. on XXXX/XXXX/XXXX and found that the rep. had not processed my request. They had processed my husband. We had to go through the whole process again. I was still getting missed payment calls. The people in XXXX or XXXX were not informed with the proper information from the US about our transactions. I decided to check my credit profile and found that this bank reported XXXX incidents of missed payments or delinquent accounts. XXXX for 30 days and XXXX for XXXX59 days. Also, my XXXX had gone from XXXX to XXXX. The bank also indicated that they had closed the account and not showing that this was at my request. I have a XXXX business and wanted to get a small loan of $ XXXX to do some first of the year advertising to stimulate more business. After being rejected, that is when I decided to check my credit report. I, again, called the Bank and talked to another Rep. and again, I am talking to a rep. in XXXX or XXXX. I aksed to be transferred. Again, it took getting a supervisor to transfer me. I requested a manager and relayed the situation all over. I was told that any fees that accumulated would be reversed and the rep would file a complaint to get the credit unions to reverse the information to clear the report from the bank. I have recently called for a follow up and was told that it will take about 30 days to get the process with my credit started and I assume that it will take a while for the credit unions to change my account. Now I will miss my window of opportunity for the first of the year resolutions that many us make to deal with our XXXX and XXXX conditions. In all I have spent about 8 hours on the phone with the bank about this matter. The bank has indicated that will be concluded as a bank error. I have suffered grave consequences as a result of this " bank error ''. I guess the bank does not have any consequences from creating my consequences. I would like to have the bank pay me {$20000.00} as a result of their " Bank Error ''! I have with other accounts been connected to an overseas company and have experienced the same problem to deal with my requests. On several occasions my request to be connected to a US rep. is not an option.
|
| 11/12/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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XX/XX/XXXX I realized that I was PAYING FOR XXXX PayPal accounts. XXXX that I had set up years ago linked to my credit card and bank account. The second XXXX account was realized By myself in XX/XX/2014- at which time, I telephoned the number on my statement and talked to a CSR and explained my delima and confusion and needed an explanasked for verification of the account, a full accounting of the charges from this account as well as how they got my information. I asked that this be sent to me almost a year ago. I never received any information just continuous phone calls to pay the debt. At this time of collection calls I would request the same information on verification of what was on this account and how it came to be. I reported this account as fraudulent to PAYPAL SMART CONNECT -Synchrony bank - A bank which I had never heard of no requested to ever do business with.
During this past year I made payments to this fraudulent account because they told me it was going to be reported to credit agencies as late. They also charged outrageous fees and interest to this unknown account. I had no other choice but to pay in the mean time because they are constantly reporting to all the credit bureaus. This has been a nightmare for me.
The fraud investigator I spoke with said a whole packet of info old be sent to me and I could explain everything - again nothing about the verification of this account was sent. I received, by mail, a letter a short time later saying the synchrony bank had found a record of payment and they did not consider it fraudulent. I immediately called and went back and fourth with the female " investigator '' from SYNCHRONY BANK and she said they could not send any verification or paper work about how the account was formed or the expenses charged to account. I hung up and called another fraud reporting telephone number at PAYPAL SMART CONNECT-SYNCHRONY BANK and they took the complaint again and said they would investigate and send verification and the information I was looking for to explain this unknown account with an unknown bank. A short time later a simple XXXX page letter again came via postal mail ( SAME AS THE XXXX ONE ), with NONE of the verification information I requested as verification of this account. I called again and spent considerable time with the same " XXXX " from SYNCHRONY BANK - again the investigator kept saying I had a history of paying on the account. I explained that I was unaware of the separateness of the PayPal accounts and hat I never opened this account. I said yes I did pay on the account before I realized I was paying for XXXX PayPal accounts. I also explained that if I did not pay - you assured me that my credit would suffer. She said too bad and you better pay it it on time or your credit will continue to be effected. I asked her for the verification and to speak to her superior officer and she put me through to a message machine to the superior officer, whom said he would call back within 72 hours. I never received any call from the supervision at this fraud investigation ( SCAM ) department.
I am being held hostage by this scam of a bank SYNCHRONY BANK. I blame PAYPAL ALSO! PAYPAL SMART CONNECT ca n't give me any information either accept to say that I have a history of paying the account this year!!!!!! Maddening and now my calls are disconnected completely when I call. This is a crime and they should be held accountable - I have suffered XXXX over this matter and have gotten NOWHERE with this PayPal smart connect. Also SYCNCHRONY BANK NEVER MADE THEIR NAME CLEAR ON ANY STATEMENTS - MAYBE I WOULD HAVE CAUGHT THIS A LONG TIME AGO - they use only initials. Please help me get the verification that I believe is justly my information to receive. Thank you for your assistance on this most disturbing matter with PALPALSMART CONNECT AND SYNCHRONY BANK.
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| 07/29/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I received an Electronic Statement from Synchrony Bank for my XXXX XXXX account on XX/XX/2020 and opened the email the following morning, XX/XX/XXXX. I noticed the amount due was significantly higher than expected, so I logged into my online account and noticed I was charged an enormous amount of interest on purchases I was told would to be interest free. I was charged interest in the amount of {$1300.00} in XXXX and another {$72.00} in XXXX. I have paid the amount due on time each month according to the XXXX interest plan I believe I agreed to in the XXXX XXXX store, where I recall specifically talking to a Synchrony Bank authorized employee onsite. This was shortly after XXXX XXXX first opened in XXXX, TX.
I called Synchrony Bank XXXX for the first time at approximately XXXX on XX/XX/2020. I explained that I was unaware of and felt mislead by the terms applied to my account and asked for the interest to be reversed. I spoke to a manager named XXXX ( employee ID XXXX ) and she said there was nothing she could to do remove the interest because their policy states interest can not be reversed if the promotional period end date is over 30 days. The promotional period end date was evidently XX/XX/2020, just 3 days before I called. I explained that I am experiencing financial and economic hardships as a result of COVID-19 and I asked for grace, but I was again told " No '' and that there was nothing they could do to help me.
I tried Synchrony Bank 's online chat and chatted with XXXX XXXX, who also said there was nothing he could do because of the terms being outside of 30 days. He gave me a different number to call XXXX, where I talked to XXXX.
During my second call to Synchrony Bank, when talking to XXXX, I explained that I am experiencing financial and economic hardships as a result of COVID-19 and asked for the interest to be reversed and interest free timeframe to be extended but she also said because the promotional period was over 30 days and I was calling 33 days after, that there was nothing she could do. She did not offer any compromise or payment plan option and yet kept saying they were there to help and if I had called earlier they could have extended the interest free payment terms through their COVID relief efforts.
I called a 3rd time and spoke to XXXX at approximately XXXX on XX/XX/2020 and asked if there was anything he can do to help me. I offered to pay my bill in full and asked if he could wave the interest, but again I was told there was nothing that could be done ... leaving me with an interest charge of {$1400.00} on a {$2800.00} purchase! This makes no sense.
To date, I have not received any notification outside of my electronic statement about a delayed promotional interest rate being charged to my account. If I am able to provide you with copies of my statements, you will see there are two different types of promotional programs listed. I was not aware of this until combing through the statements today and I am not entirely sure I understand the difference, but I do know when I agreed to these payment terms it was because there was to be XXXX interest. I pay my bills on time and I have excellent credit. I do not have many credit cards and typically do not finance things like furniture purchase. I feel mislead by XXXX XXXX and Synchrony Bank. I am appalled by the fact that Synchrony Bank is not willing to work with me on this and unwilling to provide a credit of the interest given the circumstances and my payment history. I very much do not want to destroy my credit history because of a misunderstanding that I feel ( especially during this time ) there should be a better way to resolve. I am willing to pay my bill in full right now as long as the interest charges are removed and any credit damage is restored.
Any help you can provide would be greatly appreciated.
|
| 01/19/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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|
Web |
Older American, Servicemember |
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Having reviewed the latest credit reports ( XXXX, XXXX, XXXX ), I noticed that XXXX XXXX continues to report referenced account as past due. This totally inaccurate. XXXX XXXX action has causing my credit scores to drop, labeling me as not creditworthy. I have written dispute letters to XXXX XXXX requesting to remove account from Accounts that maybe considered negative. The only responses received was that you ( Synchrony Bank ) were in receipt of my disputes and when they have completed your review of account, they would send me a written response with actions taken on my account. These dispute letters were sent to Synchrony Bank where XXXX XXXX is a client and to XXXX XXXX. XXXX XXXX has failed to respond. XXXX XXXX is required to send at least ( 45 ) days advance written notice of interest rate increases, changes in higher fees or finance charges and other relevant changes ( payment increase ). I have the right to dispute any and all excess amounts and I must be notified of my right to reject or opt out of changes.In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reported an increase to minimum payment due in the amount of {$60.00}. Minimum payments of {$50.00} remained consistent from XX/XX/XXXX to XX/XX/XXXX, where there were inconsistency in minimum payments. According to the Credit Card Act, Credit card users are protected from retroactive interest rate increases and or minimum increases. I had and continued to make payments on the average of {$50.00} to {$60.00}. To this day XXXX XXXX has continue to increase minimum payments and if these unforeseen increases were not paid, late fees would be assessed. I find XXXX XXXX actions deplorable and demand an explanation.
From XX/XX/XXXX to XX/XX/XXXX, scheduled payments reported due went to $ XXXX.Since I have previously made payments between {$50.00} and {$60.00} and prior to billing, proceeded to make a payment of {$60.00}. Research revealed that XXXX XXXX did not dispute the difference. A review of XXXX, XXXX and XXXX credit reports shows that from XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX reported no past dues. During these periods average minimum payments due and paid were {$50.00} to {$60.00}. In XX/XX/XXXX XXXX XXXX reported a minimum payment due of {$59.00}. I paid {$50.00}. A difference of {$9.00}. XXXX XXXX did not report any past due for XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported a minimum payment due of {$59.00}. I paid {$60.00}. Plus {$1.00}. In XX/XX/XXXX XXXX XXXX reported minimum payment due of {$59.00}. I paid {$50.00}. XXXX XXXX proceed to report XX/XX/XXXX as being past due. A review of the payment detail reports shows that payment had been made on time. XX/XX/XXXX payment made was {$50.00}. Based on this information, and according to the major credit reporting agencies, late fees have been assessed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, resulting in incorrect balance. XXXX shows balance of {$770.00}. XXXX shows balance of XXXX. XXXX shows a balance of {$780.00}. XXXX credit changes reports balance increased from {$720.00} to {$780.00}. I totally disagree to balance increase. I have not used this card in over a year. There continues to be inconsistencies in reporting minimum payments due resulting in customer having to suffer the consequences. According to the latest credit changes, my score has dropped ( 14 ) points. XXXX XXXX continues to provide inaccurate information ( shocking increases to minimum payments due.XXXX XXXX continues to understated/overstated the amounts I am to pay. XXXX XXXX would report increases to minimum payment with no justification On XX/XX/XXXX I received a credit change to credit report stating that between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX credit card balance increased by {$37.00} from {$780.00} to {$810.00}. Resulting in a decrease in credit scores. I find their actions outrageous.
|
| 09/02/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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|
Web |
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I received my first bill from Synchrony Bank at the end of XXXX, with a due date of XXXX XXXX, to be received no later than XXXX XXXX, XXXX. I set up auto bill pay with my bank immediately, to send the first payment the next day. On XXXX XXXX, XXXX, I received a phone call from Synchrony Bank to tell me that I owed {$45.00}. When I asked how that was possible, they told me that they never received my XXXX payment of {$15.00}, which incurred a {$15.00} late fee, along with the {$15.00} XXXX payment, totaling {$45.00}. I told them it was impossible, that it was set up to go out automatically every month, to be there by the XXXX. The woman on the phone told me to check and see what happened, and if they had been paid, to mail her the documents and she would waive the late fee if they were in error, but that they had n't been paid for XXXX. I looked quickly and found that they had been paid for XXXX, which she confirmed after putting me on hold. I told her I was going out of town, but would try and get all of the papers together to send her before I left. I was told that that was acceptable. In the meantime, I continued to receive constant emails, both my husband and myself, day and night, demanding payment in the amount of {$69.00}. I hung up on one representative when, after I asked for her to explain this fee, I was told, " It 's just what you owe. ''???? When I checked everything with my bank, I found that they had serviced their online bill pay at the end of XXXX/beginning of XXXX, and my autopay was canceled, as well as a few others I had set up. So, they were correct, the XXXX payment was never made. When I called back after I came in town, at the end of XXXX, to let them know I sent the payment to them, they told me I owed {$79.00}. They tried to tell me I never paid XXXX, or XXXX. Well, no, I did n't pay XXXX, because it was still XXXX! The rep was condescending and refused to explain these fees. I paid them on time for XXXX, {$15.00}, per the agreement with Rooms to Go when the card was opened, as well as the {$30.00} for XXXX ( payment and late fee ). In the meantime, my bank messed up again, created an additional auto bill pay, and paid another {$15.00} to Synchrony. Synchrony Bank received {$60.00} from me on XXXX XXXX, XXXX. The following week, they started calling both my husband and I, day and night, demanding payment. I told them that our account was rectified, and paid in full to date, that our next payment was not due until XXXX XXXX, XXXX, for {$15.00}. They told me that no, as of XXXX XXXX, XXXX, we owed {$84.00}, of which they only received {$60.00}, and that we still owed {$24.00}, and {$55.00} by XXXX XXXX. How on earth is this possible? How can amounts continue to not only change, but increase with each call, but with ZERO explanation??? I asked for a manager, because no one would tell me how they kept coming up with these amounts. The manager told me that it was what I owed. Again, no explanation. Nothing. So the original amount, from XXXX XXXX to XXXX XXXX, three payments in the amount of {$15.00} each, and a single {$15.00} late fee, totals {$60.00}, yet they are now stating we actually owed {$130.00}. They refuse to tell me why and how, do anything about it, and will not stop harassing us for the money. I have already spoken to a manager at Rooms to Go, who while admitting she could not help us with Synchrony, is sending the information her manager to have Synchrony investigated. Attached is the last bill received, showing amounts paid, and amounts due, but with no explanations. I blacked out personal information, per the rules above. The best part about all of this? While I was told all calls are recorded, they did n't seem to have a record of my XXXX call to an account manager, stating she would wait for my paperwork, and would waive the late fee, since it was a bank error.
|
| 12/13/2016 |
Yes |
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Web |
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We made a furniture purchase in the amount of {$34000.00} from Ethan Allen on XX/XX/2016, and used a promotional offer through Synchrony Bank to finance the purchase. When the first part of the furniture was delivered, XXXX items, every piece was incorrect, dirty or damaged. We requested that the furniture be returned, however, the delivery men refused. We called the Ethan Allen showroom immediately, but neither the store manager, nor the sales person we dealt with was available and did not return our call. We called Synchrony Bank to verify that we could dispute the purchase if we did not get a satisfactory response from Ethan Allen. The representative from Synchrony told us that they could open a dispute and investigate our claim, working on our behalf to try and resolve the matter with Ethan Allen. We did not open the dispute at this time because we were still hoping to hear from Ethan Allen. After several more calls to the showroom, the manager and sales person stated that they would have to come to our home and inspect the furniture. When they arrived two days later, the manager was very dismissive and stated that the media cabinet we purchased was still 'structurally functional, ' despite one of it 's doors not been able to close and having numerous chips and defects on it. The manager also stated that she would have to speak to her supervisors and get back to us regarding how Ethan Allen was going to resolve the issue. At this point, we decided to contact Synchrony Bank and dispute the entire furniture order based on the unhelpful response we received from the store manager. We were told that Synchrony Bank would be sending us paperwork to fill out regarding our claim. However, the paperwork never arrived. We called Synchrony Bank every week for over a month and were told various things such as our mailing address was wrong, or that the letter had been sent out and we should just be patient. We never received the paper work, but found out through an internet search that we could print out the form and fax it to Synchrony Bank, which we did immediately. Meanwhile, we made numerous attempts to resolve the matter with Ethan Allen. We requested that the damaged furniture be removed from our home and Ethan Allen refused. We agreed to have all of the furniture pieces remade. However, if any of the new furniture pieces were unacceptable that we would like a full refund issued to the credit card. Ethan Allen refused. At this point, all communication ended with Ethan Allen, so we tried to pursue the matter further with Synchrony Bank. However, we still had not been contacted regarding our dispute. We called them every week trying to follow up on our claim, and were told repeatedly that our dispute was open and that we would be contacted by a representative from the Synchrony dispute department. On XX/XX/2016, we received a letter from Synchrony Bank, along with the response from Ethan Allen, stating that our dispute had been closed and that Synchrony Bank was siding with the merchant. The response from Ethan Allen stated that we should not be allowed to dispute the charge because this was a matter of 'buyer 's remorse ' and 'marital discord '. Additionally, Ethan Allen submitted forged signatures to Synchrony Bank showing that all of the furniture was received in good condition. We called Synchrony Bank to register a complaint, and were told that they would not look at photos of the damaged furniture nor would they get involved in disputes regarding the quality of the furniture. We explained that this was not an issue of quality, but rather of damaged, incorrect furniture, and they still stated that they were siding with the merchant. We are filing this complaint against Synchrony Bank because we feel that they used deceptive and unfair practices by not allowing us to represent our side in the dispute.
|
| 01/09/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Servicemember |
|
XX/XX/XXXX, my wife and I went to XXXX XXXX XXXX XXXX in XXXX, NJ ( " XXXX XXXX '' ). On that date, we were coaxed into opening a XXXX XXXX credit line through the XXXX XXXX on the promise that they were offering 0 % APR promotional financing up to five years. Based on the furniture we selected that date, we were told we would have 24 months to pay off the furniture. This later proved to be false.
Thus, on that date, I had XXXX XXXX run a credit application on my behalf. The application was instantly denied by XXXX XXXX, who determined that my credit was not good enough for the requested loan amount. Without my consent, XXXX XXXX proceeded to run two separate credit applications for lesser amounts under my name, both of which were approved by XXXX XXXX.
I asked if XXXX XXXX was certain that I would still get the longer 0 % APR to repay the loan, and they assured that I would get 2 years to pay off the loan, as XXXX XXXX would see that both credit cards were opened and charged on the same day. As mentioned earlier, this later was proved to be false.
On XX/XX/XXXX, just six days into the purchase, my wife and I returned to XXXX XXXX after we unsuccessfully tried to cancel our purchase over the phone and via email after getting buyer 's remorse. The store did not allow us to return the yet to be delivered merchandise. The reason being was that we had selected a floor model item, even though buyer was not previously informed on its final sale nature.
Nevertheless, on that date, the store ultimately allowed us to cancel the original transaction after we agreed to buy other furniture. This new transaction totaled roughly {$3400.00} and is the full disputed amount of this complaint. We were also told by XXXX XXXX that we would have 5 years to repay this loan, given the significant amount we 're buying on credit for this second transaction. We had no reason to doubt these promises, as their competitors XXXX XXXX XXXX XXXX and XXXX XXXX were running similar promotional APR offers at the time.
On XX/XX/XXXX, days into having entered this second transaction, we called XXXX XXXX to cancel the bed set, after it was discovered that it would not fit into our new home. Previously we were told that such cancellations upon taking measurements would be permissible within 30 days. XXXX XXXX 's online Return Policy also provides that customers may cancel at anytime within 30 days, with no fees. However, on XX/XX/XXXX, XXXX XXXX replied that we have exceeded the 48-hour window for cancellations printed on the back of the invoice. It appears, XXXX XXXX has agreed with XXXX XXXX in holding us to their 48-hour return policy.
XXXX XXXX sent us our first billing statement in either mid XX/XX/XXXX or XX/XX/XXXX for the two separate accounts opened by XXXX XXXX. The statements for each account only provided us with 0 % APR for 12 months. We contacted XXXX XXXX and explained all of the above, including the fact that we were promised 5 years to repay the loan, which proved to be false. We also informed XXXX XXXX that XXXX XXXX applied for two accounts for lesser amounts without my consent. Despite this, XXXX XXXX decided the dispute in merchant 's favor on XX/XX/XXXX and most recently on XX/XX/XXXX.
Furthermore, had we been presented with the option, I would have gladly reapplied for a joint account with my wife, who has better credit than me and who was also present on both occasions, so that we would be approved for the original loan amount that promised 0 % APR for 5 years. And if we were denied, then we would have not gone through with the large purchase, as it is not within our means.
In XXXX XXXX 's last letter of XX/XX/XXXX, they indicate that XXXX XXXX has agreed to a refund, but has attached a 25 % restocking fee. We are disputing this fee as arbitrary and inconsistent with their online Return Policy.
|
| 03/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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On XXXX XXXX, 2016 I have requested in an email that Portfolio Recovery explain the reason why I am been sued and who I owe the debt to if any. On XXXX XXXX, 2016 I have received a letter regarding a lawsuit been filed against me Reference # XXXX. I do not have any outstanding debts and I am not sure why I am been contacted in first place. I also requested that XXXX to correct the issue and suspend further communications.
XXXX XXXX XXXX , XXXX XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX Dear XXXX XXXX XXXX , XXXX, You contacted me by mail on XXXX XXXX, 2016 and stated that I owe you the total of {$4200.00}.
Please provide me with more information below to fully understand your claim : 1- Why you think I owe the debt and to whom I owe it, including : 2- The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor.
3- If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
4- Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
5- The age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State when you obtained the debt.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent. And identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
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My van was being worked on at XXXX XXXX XXXX XXXX, FL. They are listed as a partner that accepts Synchrony XXXX Care Credit Card on Synchronys website. I also called Synchrony to confirm that they are a partner and that I could pay for my service bill using this card. I was told yes ; I would be provided with a 16-digit account number and they could key the number in. I applied on XX/XX/2023 and was approved for a {$2000.00} limit. Imagine my surprise and utter embarrassment when I tried to pick up my van on XX/XX/2023 and my card was declined.
I called Synchrony. The first lady I spoke with said that the account was too new. Then she said she needed to speak with the merchant and wanted them to call a 1-800 number. Then she said I could just hand them the phone. So, I did. Now I have the business office of a very busy dealership talking to customer service. The Synchrony representative was repeatedly asking for the merchants name and to spell the dealership name. The business manager provided all requested information. The business manager handed me back the phone because Synchronys representative put her on hold. When I said hello, there was a different representative on the line. This representative wanted to know what Point of Sale the office was using. So, I waited in line a second time. There were five people in line in front of me. When it's finally my turn, the Synchrony rep said she could get a supervisor on the line. So back on hold I go. I get out of line again. Now I've been trying to pay for an hour. I finally get on the line with a supervisor, and he says that XXXX XXXX is indeed listed on the website as a partner, but they don't actually accept the card. I asked him how that was possible and stated that was fraud. He basically said sorry and that there was nothing he could do. The supervisor then disconnected the call. I had to pay {$4000.00} out of pocket to get my van to go home.
I messaged customer service the evening of XX/XX/2023 and received a form response on XX/XX/2023. I replied immediately and received a response on XX/XX/2023 stating that I needed to call. I spoke with customer service again on XX/XX/2023. The supervisor I spoke with this time says that XXXX is a vendor, but the card was too new to use. The supervisor was unsure why the card would have been declined. Im being told multiple reasons that the card was declined. None of them were my fault.
I was assured that I could bring in the 16-digit card number and two forms of ID to use the account. This information was also listed on the confirmation I received from Synchrony when I opened the account. The confirmation has my account number, reference number, expiration date, CVV2 number and my credit limit. It says : SHOP IN-STORE NOW Print this page and bring it along with two forms of identification to shop in a store today.
This is absolute fraud and false advertising. I am working incredibly hard to get my credit score higher. I opened a brand new credit card that I was unable to use, even though I was assured that I could. My credit has taken a hit. If I had known that I could not use this card, I could have opened an account with some kind of promotional incentive to break up these payments. Now I'm left paying an extraordinarily high interest rate AND my credit score can't afford to apply for or open an additional account.
I opened this card for the sole purpose of breaking up the payments for this auto service bill. I was told that I could use the account at the dealership. The card was declined for absolutely no valid reason and I was unable to use the card.
Synchrony is unwilling to transfer the amount to the card to use it as intended. And Synchrony is unwilling to close the account AND correct my information with the credit bureaus. The response I have received from Synchrony is basically too bad.
|
| 08/19/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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I have a XXXX XXXX store card which is a Synchrony Bank Credit Card. I brought furniture during different times of the year (XX/XX/XXXX) and after each transaction I had a different promotional purchase plan# in my Synchrony Bank account. One such promotional plan is a 0% interest 36 months payment plan and the other being a 0% interest 6 months payment plan.The Issues here is that Synchrony Bank wont let me allocate the monthly auto payment to my desired payment plan, i.e If I wish to make an auto payment of $XXXX with $XXXX split into both the payment plans, the bank wont let me make this split online. They say I need to call the bank each time to split the amount. The other issue is that any amount paid by me will always go to the account which can be paid off in 36 months with a 0% interest and they wont put any part of this auto payment amount to the account which has a 6 months 0% interest plan. The bank always hopes that the customer is negligent enough to not check their accounts and how much each plan is paid for and hope that after 6 months of no payment to the 6 months 0% plan, they can make us pay a hefty interest on non payment to that account.When I decided to call their customer care each month, each call center agent gives me a different and misleading answer which ultimately puts me in a confused situation.For example, I called their office on XX/XX/XXXX week to discuss the possibility of splitting my auto payment into 2 accounts. Their agent said I cant do that now since the bill was already paid for and they always get deducted to the account which has 36months no interest financing. Then they forwarded my call to their supervisor who helped me make a payment to the accounts of my choice. They warned me that If I had to split this amount in future, I need to call them before my bill gets paid using auto payment. The next time I get an email from the bank stating my next auto payment scheduled on XX/XX/XXXXt will be $XXXX. I call their customer care again around last of week July asking them the reason for that letter and reason why my auto payment wont be deducted. They respond back saying `no, it will surely get deducted due to auto payment setting`. Then I ask them why did you send me a letter saying no amount will be deducted on XX/XX/XXXX? Then the care agent asks me to hold and talks to his supervisor and then tells me `Yes sir, you were correct, since you already made a payment recently the amount on scheduled forXX/XX/XXXX wont be deducted`. So I try to understand this situation and then request the care agent to deduct an additional amount from my bank account and split them for payment to my accounts. He agrees and I am done with the call. To my surprise on XX/XX/XXXX, my auto payment gets deducted!!!So now below are my questions for the bank:1) Why did you deduct the Auto payment amount for $XXXX when you send me a letter (and I have proof of that letter) on XX/XX/XXXX that you will deduct $XXXX from my account?2) Why are the care agents not clear on this when I call the customer care center for the bank? Are they deliberately asked to mislead the customer? Why would they at first say Yes, the payment will be deducted, and then talk talk to their supervisor and change their statement to `No, the amount wont be deducted`? Which version am I supposed to believe? What would have happened If I did not make the payment due to the letter and then fined due to lack if minimum payment?3) Why are you not letting customers file this split payment online? I would really appreciate if CFPB does a probe on this Bank and penalize them for misleading and robbing the customers. The whole banking system is built on faith and discipline and this bank would have already duped a lot of customers due to these misleading and incorrect informations.I hope justice is prevailed.Thanks,XXXX
|
| 08/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
In XX/XX/XXXX, I received a credit card from Care Credit. Care Credit was then a subsidiary of XXXX XXXX. I was a victim of deceptive credit card enrollment tactics. I was signed up at a veterinary 's office on the representation that the card was interest free.
In XX/XX/XXXX the Consumer Financial Protection Bureau ordered GE Capital Retail Bank and its subsidiary, CareCredit, to refund up to {$34.00} million to potentially more than 1 million consumers who were victims of this deceptive credit card enrollment tactic. The cards actually accrued interest that kicked in if the full balance was not paid at the end of a promotional period. Under this no interest if paid in full plan, consumers make monthly payments while CareCredit assesses 26.99 percent annual interest on a consumers balance throughout a promotional period, which can range from six to 24 months. If any portion of the balance has not been paid when the promotional period ends, the consumer becomes liable for all of the accrued interest.
After CFPB settlement with Care Credit I was sent a notice that I was entitled to a refund. It was printed on a form letter that appeared as an ad which I overlooked and never applied for the refund to which I was entitled.
XXXX XXXX sold Care Credit to Synchrony Bank. After Synchrony Bank acquired Care Credit they sued me for the balance which was mostly the 26.99 % balance on deferred interest. The suit was brought through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX and recorded in Superior Court, XXXX County, XXXX, CA.
Without a lawyer I contested the suit. I asked for the following : 1. A credit agreement or any other document showing I had any obligation to pay Synchrony Bank and or Care Credit any sum of money.
2. Admission or denial that my credit card was included in CFPBs list of victims of deceptive credit card enrollment tactics.
3. Admit that the balance claimed as owed consists mostly of non-principal items including interest, credit fees, adjustments, and late fees.
purchases.
4. Admit that I offered to settle the amount owed on a letter dated XX/XX/XXXX which was sent again on XX/XX/XXXX. No reply was ever received despite many telephone calls which were left on the voice mail system.
Instead of responding the law suit was thereafter dismissed by Synchrony Bank. At this time there was no reference to my having any charge off on any credit report.
On XX/XX/XXXXmy automobile needed approximately {$1000.00} in repairs. A representative of XXXX XXXX, XXXX, Oregon advised it could be financed over a year at no interest. I asked my son to call and then advise me what to do. He was also told of the no interest plan and advised me to go ahead. When I went to pick up the car I was told my credit was only approved for {$400.00} and I would have to pay {$600.00}. I had not been told that the credit might be approved for a smaller amount. This was an expense I had not budgeted but I had no choice.
I have received a statement from Synchrony Car Care for a monthly installment of {$25.00} on the {$400.00} balance. Synchrony Car Care is a part of the same organization as Care Credit and Synchrony Bank. I believe the lower credit approval was because I ended up dealing with a Synchrony affiliate.
The statement shows that Synchrony Car has the same old deferred interest program that was employed by Care Credit. Not only am I very troubled by again be tricked into another deferred interest scheme but in addition they have submitted a charge off notice by Care Credit of my contested credit card to appear on my credit reports showing a XXXX point reduction in my credit score.
My wife and I are XXXX and XXXX years old and negotiating to move to a retirement home. This unwarranted notice to our credit score will make it very hard for our credit score to be high enough to do that.
|
| 05/19/2016 |
Yes |
|
|
|
Web |
Servicemember |
|
Have made contact with creditor only to become more frustrated with their services. I have been with this credit finance company through various establishments for over ten years and this is the only account I have had this grievous error to continue to get out of site for resolution. Requested copies of transactions only to be told that 72 hours was not feasible and the earliest would be 10-14 days. Once billing statements were received I prompted to seek answers. Only to become more frustrated with lack of information in charges accumulating. Then prepared a spreadsheet to hopefully give some indication of the calculations The only conclusion noted to consider similar to the new transactions was that I am being charged interest on the deferred amounts as new purchases and then another interest on that amount plus the the amount of account security fees. Upon further observation I found that the original promotions balance was calculated three different times Each totals of balance used were inconsistent with the original balance of deferred plan. Again no obvious means of the calculations with the intended interest rate should the amounts not be paid in full by expiration date for the deferred interest payment plan. Upon my contact it was requested to audit the account. Received a short impersonal generic letter which stated they had seen no new transactions for charges in a four month time frame. When actually all transactions I refer to have been on deferred payment agreement. It is understood when a standard purchase is made that the current rate of interest 26.99 percent ( which has been raised ). The transactions are posted new purchases as to items before XXXX/XXXX/XXXX then before XXXX/XXXX/XXXX and recently newly purchased items after XXXX/XXXX/XXXX charge starting again. i want to know how they come up with new transactions to calculate interest charges and account security fees when the process requested and noted is for deferred payment. i have always paid more than the recommended amount on the payments. so as to resolve the true payable and have an available amount for emergencies. but this creditor has charged for new transactions each month and interest and account security fees with no end in sight. I have made only deferred payment request not new transactions. There is even a note of debt cancellation noted in their billing statements. I have not been delinquent so where is the proof of this inaccuracy. I requested information for the transactions and only receive the billing statements. Not acceptable for how calculations were computed. Deferred payments for payment processing are not deemed new in the whole of new transactions. debt cancellation needs thorough investigation as to when, where, who, and how. Debt cancellation needs to be retracted from credit bureau reports. There is no new transactions in reference to deferred payments which eliminates interest charge and account security fees on those amounts. Therefore my account needs to be refunded for the erroneous gregarious processing. I have configured almost every imaginable scenario of the calculations that are being considered as new transactions and can not find a means to their accounting process. This particular account is used only for necessary financing because of the agreed upon deferred payment plan. I made contact with no solution rendered since unable to speak with financial manager or the person who works the account. I would like to see that my account is refunded all miscalculations on new transactions, interest charges and the account security fees associated with the new transactions which are not new but deferred. The account is XXXX XXXX XXXX XXXX with the creditor of Care Credit aka Synchrony. My name is XXXX XXXX. The billing address is SYNCHRONY BANK, XXXX XXXX XXXX, XXXX, FL XXXX.
|
| 04/09/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
In XX/XX/XXXX I applied for a XXXX credit card issued by Synchrony Bank and was approved and granted an {$800.00} credit limit, and since that time have made all payments on time with the exception of one payment in XX/XX/XXXX which the delay was caused by Hurricane Harvey, and my payment was delayed due to the nearly 51/2 feet of water in my home, but on the XX/XX/XXXX my wife went to the first XXXX store that reopened in our area after Hurricane Harvey and made our monthly minimum payment and even paid the {$25.00} late fee as well.
In XXXX, I decided to pay my XXXX card off, and on Tuesday, XX/XX/XXXX, at the customer service center of the XXXX store in XXXX XXXX Texas, we paid off the credit card in the amount of {$720.00}.
Now on Friday, XX/XX/XXXX, I received a letter addressed to my home address from Synchrony Bank indicating that they would be reducing my credit balance from {$800.00} to {$100.00}, along with the following reasons for the reduction ; 1. Derogatory Public Record or collection filed.
2. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high.
3. Time since delinquency is too recent or unknown.
4. Length of time accounts have been established.
5. Number of inquiries was a factor in determining score.
It is reason number " 5 '' that I would like to take this opportunity to emphasis, but the credit score they indicate reported on Thursday, XX/XX/XXXX as being a " XXXX '', well that is the same exacting score I had back in DXX/XX/XXXX when I applied for the card in the first place.
However, reason number " 5 '', as previously mentioned, according to my Transunion credit report, Synchrony Bank, " SYNCB/WAL-MART '' made a total of 43 inquiries on my credit report, and on the following dates ; Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX But more curiously, Synchrony continues this unwarranted conduct even after their decision to lower my credit balance from the original {$800.00} to it current {$100.00} limit they have made eight inquiries since I paid the card off, and four times since lowering the credit balance.
I'll be extremely surprised if ANYTHING becomes of this complaint, as I feel that I have been discriminated against being some one that is fully XXXX, and I feel this decision was arrived at by and through the results that Synchrony Bank and XXXX created and caused.
As some one that has paid their bill, both timely and completely, I do not feel that this speaks well of either Synchrony Bank as such and XXXX as a retailer, as my XXXX account as well as credit balance are still very much in tact and ongoing, and in this time since the decision regarding the lowering of my credit limit by Synchrony Bank on my XXXX card, I've simply moved my patronage elsewhere, even my prescriptions and grocery shopping as I feel customer loyalty is in fact a two way street and XXXX and Synchrony Bank have in fact displayed conduct to the contrary.
Nevertheless, the card is now in my safe, and while Synchrony Bank left it with a {$100.00} credit balance, I seriously doubt I will ever trust either, and given the numerous store closings in my area, I think this occurrence may lend some credibility to questions revolving around XXXX 's and banking institutions such as Synchrony Bank 's solvency.
Thank You, XXXX XXXX XXXX XXXX, Texas
|
| 09/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Greetings, I would like to file a complaint against Ashley Furniture because the store in XXXX has provided false advertising, terrible customer service, and despicable ethics. I entered the store in early XX/XX/XXXX, hoping to get furniture after closing on my first home on XX/XX/XXXX. I was greeted by an associate name XXXX. Who informed my family and me that the more expensive pieces were the items in stock and we should shop there if we wanted to get the pieces in a respectable time. So after some time, I decided on the pieces I wanted to order. With my family present, XXXX informed me that the pieces would be delivered in a few days. After hearing this news, like any new homeowner, I was excited to have these pieces delivered quickly with the holidays ( XXXX ) approaching. However, the next day I received a call from a call center informing me that the ONLY pieces that I would be receiving were a love seat and a recliner chair. Hearing this was pretty devasting because XXXX promised my family and me that we would receive ALL my pieces. In addition, the call center representative informed me that the remaining order would arrive at my home in XXXX of XXXX. Again, this is misleading and false advertising because I was under the impression that I would receive these pieces in a few days per XXXX. Not to mention that I was expecting family to come to town for the holidays with the possibility of no furniture in my home. So devasted after hearing this, I instructed the call center representative to CANCEL my order because XXXX misinformed me, and I would not have furniture for my family to visit for the holidays. After speaking to the representative and confirming everything was CANCELLED, a few days later, I received a text message from XXXX telling me that I needed to ignore the information the representative gave me and the dates were fakes. She talked to a manager into giving me credit at Ashley Furniture. Rather than being rude or disgruntled, I decided to tell XXXX, Thank you, have a nice day. I assume she caught that I was not interested in the furniture and sicked her rude, overbearing, and preposterous boss on me. His name is XXXX, and he is by far the most impolite manager I have ever met in my life. The way he spoke to me with my family present and listening to our phone call was absurd. He blatantly asked me, Well, what are you going to do about furniture now in the most tasteless tone, and I told him that I was looking around for other options. XXXX was extremely upset and hung up on me immediately. Again, I thought everything was okay and that I was able to move on from this atrocious experience. I received a letter in the mail in early XX/XX/XXXX stating that I owed Ashley Furniture/Synchrony Bank {$500.00}. I was completely distraught because I never received one piece of furniture or any services. So I called an Ashley Furniture representative who told me everything was cancelled, and she forwarded my call to Synchrony Bank, who is supposed to be their partner. So the representative picked up and filled out a dispute and told me everything should be good. A few months later, I received a letter from Synchrony Bank saying that they are siding with Ashley Furniture. I called Synchrony Bank again they told me that I would have to speak with the two employees that caused this horrible experience, XXXX and XXXX. I am writing this to express my negative experience with XXXX and XXXX and to bring awareness to those customers that are taken advantage of by such employees we trust to help us with major financial decisions. I am requesting these items be removed from my credit report and expunged. When making this purchase, our world as we know it was experiencing such chaos, and I truly felt taken advantage of at one of the more vulnerable times of my life.
Warm Regards,
|
| 01/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Here is a copy of the letter I sent to the three major credit reporting agencies as well as a copy to Synchrony Bank : Dear Sirs/Madams : I am writing to contest the erroneous and intentionally wrong information supplied to you by Synchrony Bank . For the record, I NEVER applied for a Fleet Farm Visa Card issued by Synchrony. I did apply for the Fleet Farm in house credit card.
On Saturday, XX/XX/2023, I approach the service desk and the XXXX, WI, Fleet Farm store and asked if I applied for, and was approved for, Fleet Farms in house credit card, could I use it immediately to take advantage of some XXXX sales. I was advised that I could. I stated specifically that I did not want the bank card version, only the in house card. During the application process, the Fleet Farm associate taking my application said a pop up on her screen indicated that I should call Synchrony, which I did. A Synchrony representative said she would complete my application over the phone. I stated that was fine and again very specifically, with absolutely no ambiguity, stated I did not want the bank card version, only the in house card. After taking my information I was told I was approved with a {$6000.00} limit. I again asked if I could use the card immediately and was told, yes. I should ask the personal at the Fleet Farm customer service desk to print a temporary card. When requesting such a card from the service desk, two employees laughed and said thats not possible. They said Synchrony would have to supply the number. The laughter was because the very same thing had happened the day before. I called back Synchrony and was told I would have to wait 7 to 10 business days to get my card and Visa regulations prohibited giving out account numbers over the phone. When I protested that I didnt have a Visa card I was told, Yes you do. When I asked why my specified request for an in house only credit card was ignored, I was told because my credit was so good we issued the bank card! I then asked why I wasnt informed of this during the application process so I could have terminated the process immediately I was told that wasnt Synchronys policy. I was so incensed at Synchronys arrogance that I immediately canceled the card that technically I never applied for. Synchrony unscrupulously issued a card that I NEVER wanted nor knowingly applied for. Furthermore, Synchrony interfered with some last minute XXXX shopping with an in house Fleet Farm credit card which would have allowed me to take advantage of some corporate promotions. Even if I had waited for the bank card, I couldnt have taken advantage of Fleet Farms XXXX sales. This cost Feet Farm in the neighborhood of {$600.00} - {$700.00} in sales ; a fact that I let Fleet Farms corporate offices know.
Today ( XX/XX/2023 ) I received a letter from Synchrony informing me that since the information I supplied during my application for a Visa Card matches the credit bureaus, they are unable to pull the credit request from my file. This is more of Synchrony continuing with their unethical behavior. Ive had several calls with Synchrony detailing my situation and by now they know I never requested a bank card. Since all calls are recorded for accuracy, my statements would be easy to verify if one cared to know the truth. As an aside, one reason I dont want another bank card is I already have a half dozen or so and from the largest banks in the world among them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. I do not need, nor want, another bank card!
I am writing this letter to be included in my permanent file. Im also considering pursuing other avenues of redress. Certainly Congress with its respective House and Senate Banking committees should be made aware of Synchronys unscrupulous tactics. Increased oversight is definitely necessary.
Sincerely, .....
|
| 02/12/2017 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
Servicemember |
|
A creditor issued me a store card. Paid as agreed until I was seriously injured by a XXXX one morning whom left me without. All creditors were notified, letter of protection agreed debts were to be satisfied, I did as stated in those letters too. The only creditor who did not honor their word is this bank. Bank sold debt to another company, company sued me ; so, I made an agreement with the court. Bank is known by consumers if they shop at big box stores with the XXXX '', home improvement store with the XXXX '', bank begins with a " S ''. Ca n't write their names ; so, you 'll know them as XXXX and XXXX letters of alphabet, changed many times to now the XXXX letter of alphabet. Located in XXXX that has XXXX XXXX on each side, lots of XXXX, and families who love their theme parks ; a city begins with XXXX letter of alphabet. OK, we all now know whom me writing about. Hidden Truth About Consumer Protection : You think you have consumer protection? You be the judge from my experiences.
I satisfied that debt greater than I agreed. Have documents showing such. Creditor ( bank ) still reporting this as a Charged Off Account, Past Due, Collections with XXXX credit files when bank " sold this account to another who has been paid ''. I wrote this bank several times, they still refuse to change until I pay them too. Are they nuts ( bank )! Bank want me to pay them ( bank ) too. Gets even better - Why pay any debts whether from a judge 's order or anyone if the debt will " never '' show as satisfied? I wrote the judge asking him to honor his own ruling, his response, " contact a licensed attorney, I ca n't advocate. '' Really judge, you do n't have 93 seconds to look over your own ruling. ( I timed it ). This why you should never give supporting vote to a local judge.
I reported this attorney after he would not return my calls ( common of an attorney ) ; so, I had no choices left. I filed a complaint to the State Bar, but only after speaking with an attorney friend in a different discipline of law. Response both judge and attorney are violating their duties, contact the Bar. I done all that too - Nothing!
I presented all cancelled checks to the Stat Bar, well grounded evidence showing where attorney received payments ; now he says he was terminated from Debt Collections firm. Really? Then why would anyone allow another to write checks in your name ( lawyer ), deposit then claim you 're not with them. Sounds like a bunch of smoke ; however, State Bar asked me what they could do for me, and I answered - " Just be honest. '' Their response, " We ca n't do that. '' Ca n't do that because I am not a paying member, not in their club of humbugging, it 's OK if your licensed and one of their paying members huh? This is why I say to any consumer, if anyone contacts you about a past due debt, do n't communicate, do n't accept a subpoena, shut the door in their faces - Do n't say nothing, never pay any debts if you do n't have the funds - Do n't go hungry for those unwarrantable words of consumer law protection. You have no real protection just words that are not enforced equally. Do n't be afraid, stand your ground, or they will run over you!
Let the judge order a judgment, so what. Get a Pre-Paid card, deposit all your funds in that card. They contact your employer, quit if your employer gives in, find another, or draw welfare others do it, Do n't pay a cent! File taxes where you owe the IRS, refunds are for those who do n't know how to fill out forms. An example why would you get a loan for your own money? Refunds are over payments. Some accounts ca n't attach like Social Security. Until laws are equally applied via the Constitution, do n't give in from fear - Have Fun, Save $ - They got TARP did you? Who does those laws protect, the consumer - Yea right! Do n't go hungry and w/out like me.
|
| 01/30/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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Complaint Description : XXXX XXXX placed an unauthorized charge of {$660.00} on my cabinets to go credit card.original sales order reflects {$4200.00}, {$4900.00} charged XXXX XXXX placed an unauthorized charge of {$660.00} on my cabinets to go credit card.original sales order reflects {$4200.00}, which i did sign off on on XXXX, after that same date he went in and added an additional {$660.00} to the sales order and now {$4900.00} has been charged. I have the original sales order of {$4200.00} and no revisions or changes were made by me over the phone, in person or in any other format, additionally I didn't have a signed copy of the sales order until just today XXXX. The copy given to me on XXXX was a blank copy without any signatures or initials. Today he emails at my request what i supposedly authorized on XXXX showing an amount of {$4900.00} and a revision to the sales order that I had no idea of. Also, it appears that he has taken the original sales order, went into his computer program and added the {$660.00} without authorizationb and taken what I signed on XXXX and pu them together as if I authorized the revision back on XXXX. On XXXX my husnad and I both were in the XXXX store and I signed the paperwork that day. Please not : countertops were not installed until XXXX, so the {$4900.00} shows up on my XXXX statement. If Mr XXXX alleges I signed for the additonal added to the card why would I have done that on XXXX when th countertop people had not even came out to measure for a template???? Template was scheduled to be done XXXX, I cancelled appointment on XXXX because all of the cabinets had not came in ... .. I canceled a full 5 days in advanced but yet Mr XXXX charged a {$150.00} cancellation fee to my card!!! Why??? Template was done on XXXX & counters installed on XXXX so please tell me how I authorized such on XXXX for future events???? This is clearly taking advantage of the consumer in all aspects and I find it careless and appalling that Mr XXXX would tell me to call XXXX XXXX to discuss and I would be hurting myself by doing so.I am a consumer and I feel that I have been taken advantage of in this process when all I was trying to do is purchase countertops and cabinets. The passing the buck around by XXXX XXXX XXXX, XXXX and XXXX XXXX is an example of someone not owning up to their part of what I consider fraud. I refuse to pay for anything that I did not receive and I surely will not pay for unauthorized charges of any sort on my credit card. Not sure what type of scam is being played but rest assured I will be warning anyone trying to do business with any of these companies.This issue has now caused so much stress on me that it has affected my XXXX XXXX XXXX and caused me to become sick over it. These charges need to be removed from my statement and I want an official written apology from all parties involved in this foolery game of passing the buck back and forth instead of owning up to their mistakes. XXXX XXXX is denying adding any revisions or additional charges to my card but I am told by XXXX XXXX XXXX they did, XXXX refused to speak with me and was very rude and unprofessional on the phone.They all should be fined!
Your Desired Resolution : charges need to be removed from my statement and I want an official written apology from all parties involved in this foolery game of passing the buck back and forth instead of owning up to their mistakes.They all need to be fined! XXXX XXXX XXXX needs to put in place a policy that each consumer receives a signed copy of exactly what they signed. Not a blank printout that gives someone the capability of going on their computer adding and taking away figures and taking previously signed pages and placing them with documents they revised without consent and authorization. This is fraud and deceit on consumers T
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| 02/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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This is regarding a Synchrony Luxury credit card. I have had this credit line since XXXX, when it was a XXXX XXXX line of credit that we used to purchase wedding bands from XXXX XXXX. We paid it off then & I have not used this card since XXXX.
I had three different credit cards with fraudulent charges in XXXX, XXXX. I was contacted by XXXX immediately so those charges were declined. My XXXX XXXX Visa charges were identified on a statement and resolved immediately. I only learned of the charges on this Synchrony card after receiving a letter in the mail in XXXX, XXXX. There were apparently two {$4500.00} charges to a jeweler in NY. I did not have online access to this account because it was locked in XX/XX/XXXX from someone trying to obtain access. I had a new card issued at that time. The first issue that I have is that Synchrony allowed someone to charge {$9000.00} to a card with a {$4500.00} limit, that has not been used in 5 years, to an unknown jeweler. The credit card was in my possession, locked in my closet. I immediately contacted them & started the fraud investigation process. I was told I would not be responsible for the charges. I filed a dispute with the credit bureau via XXXX XXXX. Fortunately, my credit bureaus are all locked due to the previous XXXX breach. I did find another email address & login associated with these charges & my account when trying to obtain online access. I informed the investigation team about this. The first investigation was closed in favor of the merchant because they provided documents stating I benefited from the transaction & received product to my address.
I spoke with someone at Synchrony on XX/XX/XXXX to reopen the investigation. Upon further discussion with fraud investigators on Saturday, XX/XX/XXXX, it was discovered that the SC drivers license provided by the merchant was a falsified document because this had the incorrect drivers license number. I was told this would be the proof I needed to resolve the investigation ( unfortunate that I had to do the investigating ) and faxed a copy of my drivers license and the screenshot of someone elses email on XX/XX/XXXX to the fraud number as instructed. I had a baby in XXXX so I did not call to follow up until XX/XX/XXXX. I was told there was not an open case so they did not receive my XX/XX/XXXX fax ( confirmed ). I told them to reopen & so they resent an investigation form via mail. I never received this so I called them again XX/XX/XXXX and they mailed another form, which I received on XX/XX/XXXX. I faxed them 11 pages of supporting documents on XX/XX/XXXX. They did not receive all documents, including the drivers license, although I had fax confirmation of the entire transaction. This was within the 14 business day window of receipt. However, I received a letter dated XX/XX/XXXX that the investigation was closed again because they did not receive additional information. I called on XX/XX/XXXX when I received this letter to reopen the investigation. I faxed the documents on XX/XX/XXXX. Called XX/XX/XXXX, was told to give them 48 hours. Called XX/XX/XXXX, confirmed receipt of documents. This case has still not been resolved.
I have reported this to the Federal Trade Commision. It is unacceptable that this has not been resolved. There has been no protection of the consumer, both for fraud prevention & investigation/resolution. There have been insufficient investigative efforts. I have spoken to entirely too many people within this company. I will be closing this account once this is resolved because these are inexcusable business practices for a credit card company in the age of online fraud. I have near perfect credit at XXXX years of age and this is affecting my scores. I also have a XXXX month old & a XXXX year old to care for and do not have time to micromanage this case.
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| 01/25/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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XXXX XXXX XXXXSynchrony Bank offers customers the option to get reward points or defer interest on qualified purchases made using the XXXX XXXX. Purchases made under the deferred interest option are purportedly tracked under the cardholder 's " promotional '' balance. Those made under the rewards program are tracked under " non-promotional '' balance. Unfortunately, it seems like the company lacks the necessary computer systems to keep track of " promotional '' balances separately from " non-promotional '' balances, leading to incorrect interest charges on customer accounts. I have been charged interest incorrectly and it is an ongoing issue. This is my third complaint on this matter. The first complaint was CFPB XXXX XXXX. The second complaint was XXXX.
This third complaint relates to the company charging me interest of {$29.00} for the period ending XX/XX/XXXX due to them not applying a payment of {$1400.00} I made on XX/XX/XXXX to my non-promo balance ( regular balance ). The payment was for the billing cycle ending on XX/XX/XXXX to pay off a charge I incurred on XX/XX/XXXX associated with my non-promo balance. A close look at my activity history indicates that the company might have initially applied my payment as I requested but subsequently someone or some automated system reversed it ( see activity summary below ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL {$1400.00} XXXX filed a complaint on XX/XX/XXXX to try to get this resolved. The company indicated that they charged me no interest but they did as noted on my latest statement. This is false and misleading. In addition, in the company 's response to my last complaint XXXX, they indicated that they can allocate payments however they wish. This is contrary to what I was told when I first signed up for the promotional no interest program. It is also contrary to what I was told by numerous representatives including company 's representative who helped to resolve my first complaint XXXX filed on XX/XX/XXXX. I was told that when I make payments, I can request for the payment to be applied to my non-promotional balance ( regular balance ).
Since my original request date of XX/XX/XXXX, I have made several calls and chats with the company 's customer representatives to follow up. I was told by some representatives that this would be processed within 3-5 business and some others that it would be done by the next billing cycle which has already come and gone.
A copy of my first chat with the company 's representative, XXXX, on XX/XX/XXXX is shown below.
Hello, XXXX. My name is XXXX from XXXX XXXX XXXX.
J Thank you for contacting us. I hope you and your family are safe.
J How may I help you?
I want to make a payment and need your help to apply to my non-promotional balance J I did not mean to rush you. However, I am not getting any response. May I know if we are still connected?
J Thank you. We appreciate your time in contacting us regarding this matter.
J You can submit the payment online. I will allocate it for you once done.
just submitted J Thank you, XXXX. For security and verification, may I have your complete date of birth?
That amount should be sufficient to pay off my non-prom balance XX-XX-XXXX J Thank you. Is there another person listed on your account aside from you?
No J Thank you very much for fully verifying your account.
J I successfully processed your request. Kindly allow 1 to 2 billing cycles for the adjustment to reflect, but rest assured that the account is considered as paid today. Your new regular balance is {$0.00}.
Great thanks for your help! Have a good nite
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| 03/29/2015 |
Yes |
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- Application processing delay
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Web |
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I applied for a Sam 's Club credit card at the XXXX Sam 's Club in XXXX on XXXX XXXX, 2015 and was approved for a {$10000.00} limit at 14.99 %. However I had a credit fraud alert on my credit reports which I had placed on XXXX XXXX something ( I had unauthorized charges made to a XXXX XXXX credit card for XXXX purchases in XXXX, XXXX ).
I have just purchased a house in XXXX XXXX, XXXX but I was still using my old address as well since I had not moved to XXXX yet. Since I did not specify a " contact number '' on the credit alert, Syncrony/Sam 's Club wanted to speak to me first and they did at the XXXX Sam 's Club when the Customer Service representative called them and allowed them to speak to me. I asked for the card to be sent to my XXXX XXXX XXXX, XXXX, XXXX XXXX address as I was still residing there and was flying back in 3 days to pack my belongings.
I never received a card in the next 15 days or so, and when I went back to XXXX, I asked the same Customer Service representative as to what was going on with my Sam 's Club card. She called Synchrony Bank and was told that the card was on hold and that they wanted to verify my address, and we asked them to have the card send to my XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX address as I had moved there from XXXX by then. Meanwhile while waiting for her to speak to the Synchrony reps, I wanted to check my Sam 's Club store credit balance, and it turns out that my account was gone.
The Sam 's Club representative had to speak to XXXX separate representatives as the first XXXX had no idea what was going on. I have been using the same login information for over 10 years, and when I did pass the login page, I used to be put to a page which asked me to choose from the XXXX accounts that I had ( XXXX was an old account which was canceled about 5 years ago, and the second XXXX was my current account ). After whatever they did, I could see the old account but I could not see the new XXXX. The Sam 's Club Customer Service representative also found out from the XXXX Synchrony Bank representative that my new XXXX was never sent to me and being processed, it showed as having been opened on XXXX XXXX, 2015, and then forgotten at the " processing '' step of whatever they do before they issue the card. It turns out that XXXX of the previous reps she had spoken to earlier ( XXXX XXXX or XXXX XXXX ) to find out what was going on with my card had CLOSED the XXXX and also had deleted my existing " Sam 's Club store card '' from my accounts. leaving me only with the closed account from 5 years ago.
The XXXX person she spoke to informed us of what happened and helped me re-register my store card online. However now, I ca n't use the user name that I had been using for the past 10 years, and had to choose a new name and I really am not pleased with that as I do n't like to randomly make up new account names for something that I have already been using for years.
Anyway, he also said that XXXX of the representatives had closed my card, and after apologizing multiple times, he told me to re-apply again and that it would be processed correctly and then sent to my current address.
So I came back to XXXX again to move the last of my belongings ( I have no phone signal or internet access where I live in XXXX ), and as soon as I got internet access, I went ahead and applied for a card again online. After finishing the application process, it gave me a message about being contacted in a few days and that was it.
Today, I got the following message : '' The request was judgmentally reviewed and denied for the following reason ( s ) : PRIOR APPLICATION SUBMITTED TOO RECENTLY '' I have impeccable credit with NEVER a single late or missed payment, and I was already approved for it.
I am considering taking this matter to court at this time.
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| 10/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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This is in reference of my case # XXXX currently open. Today XXXX.
response to letters XXXX / XXXX / XXXX ( XXXX ) / XXXX / XXXX / XXXX/ I had been responding to each XXXX of your letters through out the XXXX, explaining and clarify the results of each questioned asked on your letters.
I had received your letter dated XXXX, XXXX XXXX said said that now Synchrony Bank received my payment of {$3300.00} on XX/XX/2022 and applied to my accountant XXXX. You had also said that my payment was unpaid by my bank, and the payment were reversed. This is impossible ( XXXX XXXX XXXX XXXX has no record of it ).
I went to my Bank XXXX XXXX XXXX XXXX, here in XXXX at the XXXX XXXX XXXX location. On XXXX The office issue me the attached documents I sent them on my prior attachments ). I was told by XXXX, that this claim its not 100 % correct there's no records of any translocation on this dates ( For this amount ). These payments or any of the records claimed on your letter never appear on my bank records.
As I had mentioned prior, This his is the store error and mistake ( I strongly believed ). This never existed and never took place the way XXXX claimed to happened. This is exactly the reason for me to request a 100 % investigation on my account, My account has too many errors and now XXXX want me to pay for it. I had also sent a copy of {$800.00} XXXX XXXX payment that was never annotated on my account. Please see the attached documents.
Payment for {$800.00} XXXX # XXXX dated XXXX.. total amount cash {$800.00}.
I, as a customer find myself obligated to prove to XXXX XXXX Synchrony Bank some error - made up by the store. Something being claimed as - We received your payment in the amount of {$3300.00} and applied it to your account on XXXX. On XXXX The payment was returned unpaid by your bank : the payment was reversed. How can I prove to your institution something that never existed.
Synchrony Bank XXXX XXXX could make this again and again, and telling me that I owe Synchrony Bank XXXX XXXX specific amount at any given time. And I will find myself again incapacitated to prove it.. I would like to come to the end of this issue, I'm willing to paid off my current balance immediately. As I had previously mentioned, Please review my account, I will never let me balances get high.
Im a retiree and I do not make mucho money, This bill will cause me tremendously imbalance on my budget.
Im asking Synchrony Bank to please please review my records, ready my letters. Look I had mentioned about this payment above, Why this payment its not reflected on my account?.
Because its impossible to me to prove this issue, reason why : I trusted XXXX accounting holding and management. Look at my records, not only from XXXX but from any other credit card. I usually make payments cash, but I had not receipts of it.
Synchrony Bank XXXX XXXX keep saying that my payment was returned due to the bank reversed my payment. Is there any records of it? So I can bring it to the bank. I consider this the correct way to support your institution claim .. We received your payment in the amount of {$3300.00} and applied it to your account on XXXX. On XXXX The payment was returned unpaid by your bank : the payment was reversed. if this in fact took place, somewhere some how it must be a record of it.
Once again I had received another check back from your institution check # XXXX amount {$430.00}. I make payments and my money its sent back.
Please lets investigate this issue. Let me know my correct and final balance and I will be glad to cover to correct amount due to your institution. Im asking you please lets be fair.
Not only Investigate my bill, but the store errors. Store errors where the beginning of all this issue.
Thank you for your help and support on this matter.
Respectfully XXXX XXXX
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| 09/03/2015 |
Yes |
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Web |
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XXXXSynchrony FinancialXXXX XXXX XXXX, FL XXXX : Account Number # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Synchrony Financial XXXX XXXX : I am writing this letter in regards to a telephone call that I made on XXXX/XXXX/XXXX. I called several months and asked for copies of the signatures that were used for every purchase that was made since my account was open. I have always suspected something was n't right with my account and after the fraudulent activities from XXXX XXXX I wanted copies of signatures. I want to dispute any purchase that was n't made by me. There are people that work at XXXX XXXX XXXX in XXXX XXXX that are allowing other ( s ) to make purchases on my account. This is why I requested a thorough internal investigation on my account. On XXXX XXXX, XXXX I noticed a purchase on my credit card statement that I did not make or authorized. These charges were made on XXXX XXXX, XXXX and XXXX XXXX, XXXX totaling {$850.00}. I immediately called your company to start a claim. I stated the truth, that it was n't me or authorized by me. I went to the XXXX XXXX store that the purchase was made after ending the phone call with your claims representative. I told the manager the same thing and he assured me that he was going to send the request to corporate to get the footage of the purchase. I returned to the store in XXXX/XXXX/XXXX and was told to speak to another manager and this manager was the person who allowed someone to make a purchase on my account without my card. I do not know if he is still employed but I assume that he is because this matter did n't seem important to the head management at this store.
I called months ago and someone told me they were going to send copies of every signature but I never got them. When I called XXXX on XXXX/XXXX/XXXX ( called at XXXX ) and was on the phone for XXXX minutes and the person did n't help me, he told me to call XXXX and press prompt # XXXX, I did this and got XXXX , who was extremely rude. I was on the phone for XXXX minute ( starting at XXXX ). He said to call the Fraud Department, so all I said was : " Am I going to have to be on hold again '' this was not a bad question because I had other things to do and could not do those things while on the phone so I would 've called back, I mean I was already on the phone for a hour. But XXXX had the audacity to talk nasty and get an attitude and say he could not help me and gave me a fake number to call the Fraud Department XXXX I asked XXXX to transfer me to his supervisor I left a message but the supervisor never called back. I would like to put in a complaint on XXXX and his supervisor as well.
So I would like a print out of all signatures on every transaction. I noticed multiply transactions, things purchased that are not in my household so I do n't know who made it. I need this wiped cleaned, if not I am going to the authorities and have charge brought up on your employees/corporation. Closing a account will hurt my credit report but I can not do business with corrupt people, me and my children 's futures are at stake here ( because of fraud on my credit report ), thank you so muchFurthermore, I would like all inquiries on this matter to be mailed to the address below. I will be sending a letter every week until I have this resolved justly as I see fit. My e-mail address should be on file you can also e-mail the inquiries if you chose to. Below is list of all inquiries in question.
XXXX there is XXXX different transactions. I do n't understand why, was I over paying for something else? Transaction were on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX ( $ XXXX $ XXXX {$77.00} ) Purchases made on XXXX/XXXX/XXXX and XXXX made on XXXX/XXXX/XXXX totaling $ XXXX made on XXXX/XXXX/XXXX in the amount of $ XXXXPurchase made on XXXX/XXXX/XXXX in the amount of $ XXXX c
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| 03/26/2015 |
Yes |
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Web |
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I was n't informed of a 7-10 business day hold on credit restoration when a payment of XXXX or more is made to my credit card. On XX/XX/XXXX I went to a tire company for new tires in the amount of XXXX. I handed the sales representative my CarCare One card which is managed by Synchrony Bank and my card was declined. The sales representative asked permission to contact the card company to verify the card was still active. He contacted the company and was told my available balance was XXXX. I was stunned because the balance was paid in full XX/XX/XXXX which means I would have a XXXX line of credit. I called my husband and asked him to go online and check the account to verify it was paid in full and it was. Because the repair was more than the available credit I had to pay out of pocket. On XX/XX/XXXX I contacted Synchrony with the number the tire company provided me at XXXX and spoke with a rep by the name of XXXX to inquire about my line of credit considering the card was paid in full. He informed me my available credit was XXXX and that they do show the payment I made on XXXX and I have a current balance due of XXXX. I asked him why was my entire line of XXXX available, he told me there is a 7-10 business hold on payments XXXX or more for security reasons. I told him I know they received the payment because they received it within 48 hours of me making it online and if it was going to be returned it would have been returned already. I then asked where in my statements or even on their website does it notify me the customer/consumer there will be a hold on my line of credit because I made a XXXX or more credit. He told me to hold for a 1 or 2 minutes and then the phone hung up. I called back again but at the number on my statement XXXX and spoke to another gentlemen ( XXXX I think ). I told him I just spoke to a guy named XXXX about the issue regarding my line of credit and told him the issue. He said the same thing about the 7-10 business day hold on payments of XXXX or more and it was for security purposes. I told him I did n't care about the security reason, I 'm calling to inquire about the lack of notification regarding the hold on my line of credit. He kept telling me for security reasons it will take 7-10 business days and if I wait to Friday I can use the full credit amount. I told him, he was n't listening to my question, my question was not about security but about notification and why was I not notified as the customer/consumer about this hold. He told me the 7-10 business day thing again and I told him I know he was reading from a script and I do n't care about the script but the fact I did n't know about the hold and I had to come out of pocket for something I did n't want to come out of pocket for and they inconvenienced me by not notifying me of the hold. I told him I need to speak to someone higher up and he said he can transfer me to his supervisor but they are going to tell me the exact same thing, I told him I know he was and that 's why I am going to go a different route. I filed a complaint with the XXXX and the case number is XXXX. The company stated the notification was in my terms and conditions disclosure. I have reviewed the disclosure and still find there is lack of disclosure pertaining credit availability. Synchrony states they " may '' delay making credit available but still does not inform the consumer the " may '' could result in a 7-10 day business day hold. Also, there is nothing in the disclosure that states additional steps must be taken for me to " restore '' my available credit " prior to the normal time frame. '' This statement by Synchrony is absurd considering I was not made aware of the " normal time frame. '' It is these type of inconsistencies that leave the consumer vulnerable to these cloaked and deceptive practices.
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| 02/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with cash advances
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Web |
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Thank you for your time I Applied for a PayPal Credit Cash Back card on XX/XX/XXXX XX/XX/XXXX took a cash advance for {$900.00} was charged {$45.00} cash advance fee.
XX/XX/XXXX I made a payment of {$940.00} which I requested that it be applied to cash advance. Request WAS fulfilled for {$900.00} for cash advance. I also paid XXXX dollars for cash advance fee before it was due.
XXXX XX/XX/XXXX I had a minimum payment due of {$29.00} XXXX XXXX Paid {$29.00} before the XXXX on XX/XX/XXXX before it was due.
XX/XX/XXXX a {$44.00} minimum payment due XX/XX/XXXX Paid {$50.00} for payment before it was due.
XX/XX/XXXX took a cash advance again for {$900.00} requested that it be paid in full Within 30 days I made the following payments before they were due.
XX/XX/XXXX regular payment due {$57.00} XX/XX/XXXX {$400.00} payment towards cash advance XX/XX/XXXX {$500.00} payment towards cash advance I paid off the {$900.00} cash advance and made payment to my credit card charges before they were due.
I called to check on my account to make sure that the money was applied for the cash advance since I was charged a huge amount of interest. I had already made the regular payment for the month.
I was told that it was not applied to the cash advance and that they would request it to be paid towards the cash advance and that the interest charges would be reversed.
I have called several times month after month after month since XX/XX/XXXX on a recorded line with customer service agents including supervisors that I requested to speak to. They all stated my request would be fufilled.
Today XX/XX/XXXX I spoke to an account manager supervisor and was told that they changed their policy and that I was no longer able to pay off my cash advance and I said to her I was not notify she said this had been their policy all along but it just wasn't enforced and I told her that I would have never taken the XXXX cash advance had I known this, I feel they pulled a bait and switch on me.
They set a precedent with me leading me to believe that I could pay off my cash advance because : I Did pay it off before They told me I could on a recorded line They told me how to record it line that they were going to fix the mistake and credit my interest charges Now I'm getting charged $ XXXX a month for interest on the cash advance which I can not afford This has caused me the following problems : They are making me pay a high interest rate of more than 30 % first before I pay my regular payment which is much less.
My credit rating has declined. Which is emotionally devastating for me because I was working toward payment for a new home loan. That's the reason I was making my payments before they were due.
I'm borrowing money from family members to try to get that cash advance payment off my credit.
XXXX cash back credit card company has caused me a major amount of stress and has caused me to be mentally devastated and worried all the time regarding my finances.
This company has has taken my time. I've been on the phone for months hours and days on hold and calling several times since last year.
I feel that this is a bait and switch company they allowed me to pay and then they change without my knowledge. All my recorded conversation with their customer service agents told me they're going to repair the problem and will be crediting back the interest charges and will allocate the payments to the cash advance and fix this issue. To date this has not been done and I am requesting that there be an investigation because if they doing this to me I am sure they're doing this too other people. They have never contacted me back, they have never called me back as they said they would, and they have not ever sent me a letter regarding this issue.
Thank you for your time, XXXX XXXX XXXX
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| 03/26/2015 |
Yes |
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Web |
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I purchased eyeware using my carecredit account XX/XX/XXXX. I always use autopay to pay my credit card bills but in XX/XX/XXXX I changed to a credit union. I entered the new account information provided to me by the credit union on the carecredit.com website. The next month, XXXX, I get a bill stating I was past due. I called care credit and they said that they were trying to access my old XXXX account. I explained that I had changed it on the website, Customer service said it would take at least a pay period for this to take place on AutoPay. I manually paid a XXXX time payment on the website. A month later I get a letter stating I am overdue and they have not received my payment. I called customer service to confirm that they were using the correct account. I was told that they ca n't " see '' what is on the website. I explained that I know the information is correct on the website, they said that my payment did not go through and now I had to pay a late fee. I said go ahead and pay the balance. In XXXX I got another bill stating that I was now XXXX days past due and there was another {$25.00} late fee. I asked customer service to give me the account number they were billing. They had XXXX XXXX XXXX XXXX correct but a list of number that were in any way related to either my XXXX XXXX XXXX XXXX account or the XXXX account that I had previous. At this time I was very upset and asked where they got the account number from. Customer service said I must have entered them incorrectly. I paid the bill, was assured that it was not reported to any credit reporting agencies paid XXXX late fees and they also assured me that they were going to write off the {$3.00} interest. I just received my bill and it says I owe {$3.00} interest. I then decided to check my credit. They had reported that I was XXXX and XXXX days late on paying my bill. I will have paid {$150.00} total for a {$110.00} of eyeglasses but more importantly they have destroyed my credit. My credit score dropped XXXX points. I called customer service again, asked to speak to a manager and was told that they would not do anything to correct this. The manager stated the only was they could know I was entering the correct information was if she was looking at my computer. I explained that I checked and XXXX checked my end and THEIR customer service person had an account number that was not even close. Customer service stated that how was she to know that I had not put in that account number. I stated that she could check the carecredit .com website and see that the correct information had been entered in XXXX and again in XXXX. She again stated that she could not " see '' what was on the carecredit.com account. She also doubted that any customer service person would not charge me the {$3.00} interest payment. I asked for a letter stating that they had made an error in their billing department and they had made a mistake. I was told they did not make any mistake and do not write letters for anyone, that they do not have a protocol for this. I became very upset and she continued to talk over me. I was not allowed to finish a sentence. She talked as if she was reading from a script and would not stop speaking until she read the script. Everytime I tried to talk she interjected how they were not responsible for the carecredit.com website and I must have made a mistake. I asked to speak to another manager and was told that there was no one I could talk to regarding the matter and there was nothing they would do. This company has destroyed my credit, then denied that they reported it, refuses to resolve the issue or have any responsibility for their error. I had good credit, pay all my bills via autopay and never had any problems with any company. I believe that this is an intentional way of creating late fees.
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| 12/19/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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This complaint is filed against Banana Republic store credit card, issued by Synchrony Bank under a XXXX logo. For my current billing statement I scheduled a payment for XX/XX/2021 in the amount of {$630.00} only to realize that past the current billing cycle there was an additional small charge, so instead of having to make a second payment later on I decided to adjust/change my original payment from {$630.00} to {$650.00}.
Something went wrong with the edit payment functionality on the credit card companys side, as I was surprised to receive on XX/XX/ two email notifications from Banana Republic indicating that two payments were taken from my checking account, on the same exact date ( XX/XX/ ). One for {$630.00} and one for {$650.00}. When I checked online, the credit card company showed both payments and a negative balance of {$630.00} ( credit in my favor ).
In order to get reimbursed for the double charge/payment, on XX/XX/ I called the customer service number for the credit card company and asked to be reimbursed. The only solution offered was to wait for a reinbursement check to be issued and mailed via USPS to my address in 3 weeks. As an alternative, to avoid the likely scenario of the check getting lost or delayed in the mail during the holiday season I asked for the check to be mailed sooner, similar to the overnight shipping used to mail Banana Republic products, but I was told that this is not possible. I also asked if I could get my money sooner via a cash advance and for that I was told that I would be able to withdraw money in cash from a bank near me but that I will be charged a 5 % fee for a cash advance, even though the {$630.00} is actually my own money and not a real cash advance against the credit line.
Disappointed with the options provided, I filed a customer complained with the credit card company to voice my concerns over the fact that the double payment should not have taken place in the first place and for the fact that issuing checks in three weeks and charging a 5 % fee to recover the funds via a cash advance is abusive given that funds belong to me, not the credit card company. The complaint ID I was given is XXXX and when I asked when should I expect a resolution to my complaint I was told that the company does not send written responses/resolutions to customer complaints.
I find the whole situation weird and at on the border of financial abuse, as : 1. The credit card company should not have charged me more than what I owed ( {$650.00} ) in the first place. With all my credit card payments ( with other companies ) the credit card website is build such that overpayments are not even possible. So to even allow this type of overpayment is a problem in itself in my view and should be fixed.
2. Given the charging error on the credit card companys side, which I reported as soon as I was made aware of It ( on XX/XX/XXXX ), the credit card company should have been able to cancel the double payment from their side. I was told that the credit card company does not have this ability.
3. Additionally, when using the alternative of the cash advance to recover my own funds ( {$630.00} ), I find it abusive to have to pay a 5 % fee, when in this case, I am only withdrawing my own money and Im not using the credit line.
4. Lastly, I find it unacceptable that this credit card company would not provide resolutions/responses to their customer complaints. What is the point of a customer complaint if a resolution is never provided?
For all these reasons I hope that your institution will look into the practices of this credit card company to ensure that measures are taken to correct their behavior.
I attached below evidence of the credit owed to me and the two different emails confirming the two payments on the same date ( XX/XX/ ).
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| 04/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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On XX/XX/XXXX at XXXX XXXX CST, I made a call to Synchrony Bank to ensure I didnt miss my promotional deadlines and to pay off the entire balance. According to my phones call log, the call lasted 14 minutes. I distinctly remember talking to a friendly man with a southern accent who was supposed to process a payment so I would avoid any interest charges.
On XX/XX/XXXX, I noticed I was still getting auto payments debited from my banking account. Confused as I had already paid off my balance, I called the company and was told that I never paid off the balance and that the last call I made to Synchrony was in XX/XX/XXXX. The 2 representatives I spoke to were extremely curt and unprofessional. They said there was no record of that call I made in XX/XX/XXXX, even though there is a record of it on my call log and every call is recorded and monitored, according to the robo-greeting which starts every call. I gave them the time and date of the call, but they said there was nothing to investigate as there was allegedly no record of it on their end. It should also be noted that it usually takes at least 6 tries for me to log into the Synchrony website, even though my phone autofills my password every time I log in and I never change it. Furthermore, many of my monthly statements were never sent.
Ive already paid off the entire original transaction amounts, but Synchrony expects me to pay over {$5600.00} in interest, even though it was THEIR mistake for not processing the payment in the first place. My XXXX and XXXX credit scores average to be over 800 as of XX/XX/XXXX, so I am very financially responsible and am not one to fall behind on payments. It is not right that I should be penalized ( and to such an egregious extent ) due to their own mistake of not processing the payment I requested on XX/XX/XXXX.
Numerous complaints about Synchrony show up online about their unethical practices. Many have commented that they would give Synchrony Bank zero or negative stars if they were able to. Consistent to my own experiences, they complained of unprocessed payments, online glitches ( inability to login ), missing statements, incompetent/unprofessional customer service representatives, and receiving egregious late fees/interest charges in spite of making timely payments.
I had my attorney issue a dispute letter On XX/XX/XXXX, which Synchrony ignored. On XX/XX/XXXX, I had another letter issued by my attorney, and this time Synchrony responded stating that they could not speak to them as I did not provide written authorization that they could represent me. On XX/XX/XXXX, I called the representative who sent the letter who told me a lot of inconsistent information, alleging I made on XX/XX/XXXX was for a different Synchrony account but later said the representative had explained all the promotional balances to me across all my accounts. She said that she could not share the recording of the call unless Synchrony was subpoenaed the courts, which is suspicious as it would seem they would be HAPPY to share the recording if it backs their case. She conceded that I called to avoid interest charges but could not explain why no notes were written about the account that I currently have issue with. ( I recorded the call. ) She said she would review the XX/XX/XXXX again and call me the next day, but I never heard back from her.
There is substantial evidence to show that Synchrony is guilty of many unscrupulous practices. Ive made attempts to pay off my balance in a timely fashion, but due to their error they expect me to pay an exorbitant interest charge amounting to over {$5600.00}. I have now paid off the entire cost of the products Ive purchased, and I firmly believe the interest charges should be dropped as it was their own error that caused the outstanding balance.
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| 01/02/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Subject : Unfair interest penalty without any warning or notification! Financed {$6700.00} in XX/XX/2020, but despite paying ~ {$5000.00} in timely monthly payments, my balance is still shockingly at {$6500.00} ( 97 % of original amount ) I bought flooring from Lumber Liquidators ( LL ) in XXXX 2020. LL and Synchrony were running a financing promotion whereby i could finance {$6700.00} purchase through Synchrony card without any interest for 24 months.
This was my first such financing transaction and i availed the interesting offer. I set up the autopay for minimum monthly payment that was decided by Synchrony, The amount was paid through autopay option every single month on time.
I was under the impression that Synchrony would recover the amount timely through monthly payments and i set up the auto pay to ensure the monthly payments weren't delayed.
However, recently when i checked my statement, i was shocked to discover that after paying about XXXX through the monthly payments, the outstanding amount was still {$6500.00}, almost equal to original financing amount.
Apparently, Synchrony charged me {$4300.00} in Interest for the first 24 months also on the ground that i still had a balance of {$2400.00} at the end of 24 months.
Date of purchase : XX/XX/2020 Subject : Unfair interest penalty without any warning or notification! Financed {$6700.00} in 2020, but despite paying ~ {$5000.00} in timely monthly payments, my balance is still shockingly {$6500.00} ( 97 % of original amount ) I bought flooring from Lumber Liquidators ( LL ) in XXXX 2020. LL and Synchrony were running a financing promotion whereby i could finance {$6700.00} purchase through Synchrony card without any interest for 24 months.
This was my first such financing transaction and i availed the interesting offer. I took appropriate steps to ensure timely processing of monthly payments. I set up auto pay for the minimum monthly payment to be decided by Synchrony. The amount billed by Synchrony was paid through auto pay every single month on time.
I was under the impression that Synchrony would recover the amount timely through monthly payments. Additionally, i set up the auto pay to ensure the monthly payments were processed on time.
However, recently when i checked my statement, i was shocked to discover that after paying about XXXX through the monthly payments, the outstanding amount was still {$6500.00}, almost equal to original financing amount.
Apparently, Synchrony charged me {$4300.00} in Interest for the first 24 months also on the ground that i still had a balance of {$2400.00} at the end of 24 months.
This is totally unfair on the following grounds.
XXXX ) I did not decide the monthly amount to be paid but the bank did. So, how come my minimum monthly payment amount was not set to ensure recovery of full amount in the first 24 months? Did bank set a lower monthly payment amount to ensure some balance does remain outstanding at the end of 24 months, giving them an excuse to charge a heavy penalty?
XXXX ) Despite having my email and phone on the file, i was not informed by Synchrony that they are going to charge me {$4300.00} in penal interest if i don't settle the {$1800.00} balance at the end of XXXX. Their claim that they sent a monthly estatement isn't fair as they never sent a statement even through email, it was just an email notifying that the new statement is ready.
In addition, as a responsible person, i opted for estatement ( caring for the environment ) and set up auto pay to ensure timely monthly payment. Therefore, i didn't really think of looking at the standard monthly email.
If they had sent a letter, called me or even sent a separate email notifying me of such a huge charge, i would have immediately paid as i haven't delayed any single payment.
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| 03/03/2017 |
Yes |
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Web |
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I was in a XXXX in XXXX of last year. When I brought my items to the counter for purchase the cashier asked if I wanted a Rewards Card. I thought it was a discount card similar to what you get at XXXX or other retail stores. I filed out an application which the cashier entered into their system. She asked me several questions that had to do with credit and I asked her if this was a credit card not a rewards card. She said that it was. I told her that I did n't want a credit card but she proceeded to process the application anyway. A manager came over and told me that I could just cancel the card after paying the balance. However because my drivers license has my old address on it the card went there not to my current address. So I did n't get the card until the end of XXXX after the payment was due. I called into let XXXX know that. I told them I would go online and make the payment. However some of the information on the application must have been incorrect because it would not allow me to access my account online. I had not had time to call back to have the account reset so I went back online several times without any success. I have been getting calls from collection agencies about the card. I called last week to make XXXX aware that I never wanted this credit card and I wanted the negative marks on my credit removed and the card closed and then I would make the payment for the original amount I owed. I would not pay any late fees. The finance person said I would have to speak with customer service about that and gave me the exact same number I dialed to reach her. She said I would have to keep pressing the number sign until I got customer service. She never offered to transfer me nor would she take the payment for the original amount. I spoke with the collection agency yesterday who has called me everyday at least 5 times a day at all times of the day to let them know that I was disputing the late fees and would contact XXXX and to make a note of what I had communicated to them. I just spoke with XXXX and filed an internal compliant to request that any negative marks on my credit be removed and I paid the original balance of {$46.00} after having to argue with the representative about my dispute of the late fees. The customer service person even tried to tell me that it is and is n't a credit card since it can only be used in their store?!? I had them repeat the amount to be charged to my card just to make sure. The customer service person said that he would forward the complaint and I would receive some communication about it within 20 to 30 days. This is unacceptable. My account is in collections so I will continue to receive these calls until this is settled. This needs to be handled ASAP! I want to make sure that none of these negative marks remain on my credit and that they consider this matter closed and that nothing else is owed and nothing negative remains on my credit or with their company with regards to this account. This the 2nd time I have been " tricked '' into getting a credit card with a cashier telling me that it was some sort of discount card instead. I have a XXXX credit card for the same reason. It is fraudulent for these stores to misrepresent what you are applying for especially if it is actually a credit card and will affect your credit. I complained to XXXX about it and they told me something similar to what XXXX said. If its a credit card then that 's what should be said and they should represent it any other way. Its obvious that these stores are giving their staff incentives to get credit apps from customers and so the staff commits what amounts to fraud in order to solicit an application from an unsuspecting customer. Something should be done about this since it seems to be an ongoing occurrence in retail these days.
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| 07/17/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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Synchrony Financial is using their right to close good consumers accounts with the foreknowledge that doing so injures the consumer credit rating. ( 1 ) They without notice ( and that 's fine ) wait until you use your card and then purposefully lower your limit to within {$25.00} or lower to your balance. Example : They issued me a credit card with a {$800.00} limit. I kept a zero balance from month to month by paying off what I used every month. An emergency arrived and I used {$370.00} of my card and made my minimum payment on time for the next two months. The third month, before my payment was due Synchrony Financial lowered my limit to {$380.00}. This affected my credit utilization rate and made my score drop. This happened to 3 of the six cards I had brought Synchrony Financial. I called the bank and was told I would receive information in the mail but that they could do this when they felt the need to do so. Never received an explaination why. ( 2 ) They without notice ( and that 's fine ) closed two of my accounts that I had been using with no problems, late payments or any default whatsoever. No explaination for one of them, the other they said they had a probable system that automatically closes the account if your credit report changes.
My credit report had only changed because THEY lowered and closed some of my accounts. No other account on my credit file through any other institution was affected in any way. Only Synchrony Financial accounts.
In the CARD ACT 2009 institutions are no longer suppose to use Universal Default. Although none of my other credit accounts had received a late payment or any other default, Synchrony Financial says they used information from those accounts to lower or close my accounts. The Universal Default, I know, is mainly to stop them from raising interest rates on people because of other accounts they have ' honestly this is not the only thing it should cover. I do n't agree with raising my interest rates due to other accounts I have, BUT at last if they do that it wo n't affect my credit rating that others are able to see to make a judge mental determination about me. I had a goal in place to be a first time homebuyer, but Synchrony Financial actions cancelled that. I was turned down for 4 other creditors. I was humiliated and embarrassed. They messed up my credit rating by punishing me for abiding by their own terms and agreements.
Synchrony Financial is doing this to thousands, if not millions. They should not be able to affect people the way that they do especially those who are honoring their terms and paying on time. They are using their legitimate access to this system in an abusive manner. Whatever their inside or outside probable system is, they should be regulated and not allowed to affect any outside entity 's decision. If they want to close or lower my accounts, do that, but do n't report it to an outside entity as if I 've done something wrong to cause you to close or lower my credit. It 's humiliating at least and very emotionally stressful.
At least they should not be able to touch good standing accounts until the expiration date they tack on the card. AND they should make sure they disclose to all potential consumers that they will do close your account or lower your limit even if you are doing nothing wrong. They state we can close the account for any reason, but then follow that up with late payments, defaults, etc ... so any honest hearted consumer would not expect an out of the blue lowered limit or closed account if they are paying on time and have opt out of credit limit increase request.
Your laws should protect consumers from this irrational and negligent practice. Synchrony Financial knows that their cause will affect others in a negative way, yet they continue to do it every day.
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| 01/13/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Shopping for a loan or lease
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Web |
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I went into my local XXXX to purchase a new, high-quality bed on XXXX XXXX, 2015. I knew what bed I wanted prior to going into the store. Located the bed in the store ; laid on it ; etc. The price on the bed was {$890.00} - a big price difference than what was on the website, but I was told it was a great sale due to the holiday. I opted for financing, was approved, all was set -- so I thought. It was only myself and the salesman in the store ; he kept hugging me, gave me his number -- it took FOREVER for me to leave. The transaction should have taken 15 minutes to complete, tops, but instead it took almost an hour.
For some reason, I thought to check the invoice after I left the store. I saw " PT '', or pillow top, and was immediately suspicious, as the bed I wanted was firm. I called XXXX customer service that afternoon, not an hour after purchasing the bed. They confirmed it was not the model I wanted, but said they could n't help me - I had to go into the store because I was " given a discount ''. I REALLY did n't want to go back to the store, as it was an awkward, uncomfortable transaction. The customer service rep on the phone simply told me sorry and " good luck ''. Five minutes later, my cell phone was ringing -- it turned out to be the salesman from XXXX, telling me to come back to the store -- a little scary. I was so upset to have to go back alone that I brought my neighbors with me.
After explaining that the bed I wanted was not the one that was ordered, the salesman walked over to the bed I had laid on, and said " oh, this sticker is for a different bed. We put it on this bed by accident. '' Well, imagine my surprise when the actual bed that I had wanted all along was NOT on sale. The salesman, even though he admitted it was the showroom 's fault, would only give me a {$200.00} discount on the now {$1400.00} bed. He told me that if I was upset with that to call XXXX customer service. I took out additional financing at the store to cover the new difference, and left, if only to get the right bed and to end the interaction.
Once in the car, I called customer service. They were helpful at first ... but promised action which they never delivered. ( For example, the first call, I was told that " this happens a lot '' and that they would " payoff the second loan ''. ) I was told that a manager would call me back that night with an answer. That did not happen.
Since XXXX XXXX, 2015, I have called XXXX customer service at least 7 times to attempt to talk to a manager about my situation. Every time I call, I am told that a manager/district manager/someone in charge will call me back " by the close of business ''. This has YET to happen. I ca n't get anyone with any authority on the phone, ever. I 've been told multiple conflicting stories - everything from " accounting is currently working on this and will get back to the manager when it 's done '' to " we have emailed the district manager and asked him to call you ''.
Now, finally today when I called, I was told that the district sales manager is not willing to match the price that the bed was labeled with. Also, that he " he may or may not call you ; it is his day off ''.
I feel that I was mislead ; that this entire sale was a complete bait and switch. Here I was, thinking I was getting a great deal on a great mattress ... only to be told that the store messed up and by the way, you owe an extra $ XXXX dollars for the bed you thought you were getting in the first place.
Also, what is the point of having a customer service call center if they literally can not help you with ANYTHING? I 'm pretty sure if I were to call any other business or company and asked to speak with a supervisor, that I would be connected immediately. XXXX 's simply dodged my calls and hoped I went away.
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| 05/14/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I have a Guitar Center store card that is now being managed by Synchrony Financial. I have had the card for about 4 years. All the purchases that I have made on the card have had a promotional 0 % interest period for several months. I realized several months ago that the total balance on the card was much more than the 0 % promotional balances. I called the company to find out where this other balance was coming from because it was not explained on the statement. They told me that the balance was from 2 different transactions that were not paid off by the expiration of the 0 % interest period. All the payments that I had been making for the 18 months since the 0 % interest period expiration were not paying off ANY of these balances. ALL the money was going to pay off other transactions that were still in the 0 % interest period - which of course allowed this somewhat small amount of about {$600.00} to continuously accrue interest at 24.4 % rate for the past 18 months. Also, there were several purchases that I had made that had 12 months or more of a no interest period that were paid off several months early because any amount over and above the minimum payment went solely to balances NOT subject to interest. This obviously allows Synchrony to keep the balances, with high interest rates, high so they make as much money as possible. While keeping the consumer in the dark about these practices.
Also, there were several late fees of {$38.00} charged over the course of the last couple of years. When the late fee was charged it was added to the minimum payment which I paid in full each month. However, I was just informed by a Synchrony account manager that I have a balance of over {$200.00} in late fees. I said that is not possible because I paid them every time one was charged. They explained that they DO NOT allocate the extra {$38.00} that I paid to pay the late fee -again all the payment money gets distributed to the 0 % interest balances. This is not explained at all in the statement. In fact the first customer service agent I talked to had to go digging for several minutes to actually explain to me what actually made up the total balance on the account. This is a HUGE RED FLAG. Everything on the account should itemized with detail if the company is being truthful.
Also, the statements and website gave NO detail what so ever on this rolling balance or this other balance of accumulating late fees. They do, however, give a great amount of details on purchases that are still in their promotional 0 % interest period including : the original transaction date and amount, how much of the previous payment went to that particular transaction, etc. This gives the illusion that I was in control of my account and that there was nothing being hidden when in fact the majority of the balance of the account, about 2/3s, is never being paid off and is hidden with no itemization on the statement or their website.
I found out about the rolling balance 3 months ago. The only way Synchrony will allocate money to the high interest rolling balance is if I call them every time I make a payment and explain that I want the payment amount to pay of the rolling balance and not the 0 % interest balance. I just found out today that part of that rolling balance is also the late fees. So, in the future if I have any late fees, I will also have to call them and tell them to allocate that extra {$38.00} of the payment to pay the late fee or, again, it will just accrue and be charged interest.
These practices are extremely deceitful! Synchrony is stealing money from their consumers. I am also going to contact Guitar Center and explain that they have lost a customer due to their alliance with Synchrony. I will never shop at their store again.
How are these practices legal?!
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| 04/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On 3 occasions XXXX, XX/XX/XXXX and XX/XX/XXXX I have called and spoken with 3 different agents regarding the payments I made. There are different tiers of promotional purchases with specific expiration dates and several of my payments were posted to the incorrect promotion. On XX/XX/XXXX I was assured a couple of times that the payments were going to be reallocated to the correct promotion which was expiring on XX/XX/XXXX the promotional total was {$3300.00}, and not to be concerned. According to the agent if I then proceeded to make 2 final payments on XX/XX/XXXX of {$350.00} and {$89.00}, it, which would satisfy in full the promotional balance of {$3300.00} set to expire on XX/XX/XXXX. I was then told that after XX/XX/XXXX I could check my account balance and it would show that this promotional of XX/XX/XXXX would be satisfied and that I would then be able to see the next remaining promotional purchases due.
Instead what has happened is that now my account is showing default for the promotional of XX/XX/XXXX and the new rep I spoke with, XXXX is telling me that I have a remaining balance. First she states it is {$700.00} and then she states it is around {$400.00}. I asked to speak to a manager. This manager then reallocated balances to correctly apply my payments but each time there would be a penalty fee showing, which I was told would be waived. As of today, XXXX there was a penalty on the promotional that I paid in full on XX/XX/XXXX, yet the penalty of {$160.00} was now taken off the XXXX expired promotional and added to my XXXX promotion increasing the payment from {$200.00} to {$360.00}. I spoke today with XXXX a Manager her ID is XXXX at Synchrony/ Care Credit XXXX which kept telling me that I was late, despite the several recorded conversations that I had with other Managers and Customer reps that assured me that I was not late and that my account would corrected.
I have tried to get this corrected and don't comprehend why after all the notes, and recorded conversation this information is now new information to the rep and why my account has not been properly credited with all my payments. I would like this issue resolved as the interest rate of 27 % is not to be take lightly and I am a responsible consumer. I spoke with XXXX an Account Manager about XXXX XXXX weeks before speaking with XXXX today, XXXX. XXXX assured me after a 40 minute hold that she waived the interest/penalty, and corrected the promotional to show that it was paid off and that it would adjust in the system and viewable to me in 24-48 hours. However what I am seeing is a dishonest shell game being played. Interest was taken off the XXXX {$3300.00} and reallocated to my next promotional of XXXX. I have called at least 20 times to get them to correct this issue. But the final straw came after speaking with XXXX today, whom was not only insulting but basically called me XXXX regarding my conversations/which should be on a recorded line, and stating flat out that I was wrong. I am a conscientious consumer and have zero reason to fabricate my conversation. And it is black and white all of the payments made. Had care credit applied my payments correctly from the beginning and given me correct information I would not be dealing with an extremely stressful situation.On top of all this I received a refund from card security services of {$640.00} and made a payment of {$240.00} which should have taken care of My expiring promotion of XXXX. I am beyond disgusted with how my trust in this card is being handled. I want all my money applied to show that I have been making timely and then some payments and I'd like an apology for being mistreated by it's representatives. As soon as humanly possible I will be paying of this card and never doing business with them again.
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| 05/21/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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I have several cards with Synchrony. I have my Amazon store card, my Walmart Store Card, XXXX XXXX XXXX and I had my XXXX XXXX. Since I began to experience HARDCORE Identity Theft almost two years ago now.. Synchrony has done everything in their power to make sure I know I am no longer a welcome customer. From cutting my credit lines on cards in good standing to closing each and every card listed AT LEAST TWICE for no apparent reason. Every single time they do it they destroy my credit and throw a wrench in my debt to income ratio. They always wait until I have paid a significant amount off- sometimes even closing my cards on a month when I have made double or triple payments. Each time I have to endure an agonizing 3 month long process of phone calls- faxing in supporting documentation that I know they already have and an exhaustive stance on my end to not let them take even more away from me then myself and my family have already lost due to this identity theft.
Usually I would just buckle down for another 3 month battle with Synchrony HQ to prove for the umpteenth time that I am a victim of identity theft and that what they are doing is just plain wrong ... but Covid has made it nearly impossible to dispute anything with the credit bureaus or credit card companies and I am being hit hard with fraud that is sticking due to my identity being literally deleted from public record and bureaus like XXXX only allowing one department to handle my case that is never there. I have literally waited on hold for 5 hours every day this week in an attempt to get ahold of transunion to have a collection removed that had already been proven not mine and was resold to another debt collector and placed back on my report 6 months later.
It is like a never ending nightmare and my family has been stuck living in a hotel on the brink of homelessness due to what these creditors and credit bureaus are allowed to get away with.
And what Synchrony has just done with my XXXX XXXX is just more of the same. I had a {$2000.00} balance ... already dropped down from {$3000.00} when the ID Theft began to hit real hard.. I attempted via email and phone to make them understand that what they were pulling was all fraudulent and even sent them copies of my reports once I had cleared all of the fraud off but they refused to replace my credit limit. Since then they have closed my Amazon card twice- I just got it reopened for the third time, my walmart card has also been closed twice and dropped to a limit of {$100.00} which is just do degrading and left a major hole in my credit report that has still yet to be rectified.
But my Synchrony XXXX XXXX- I had paid the balance down to just over {$600.00} dollars out of {$2000.00} limit ... always paid more then the minimum and made sure to purchase something every now and again as recently as just a month and a half ago.. which I immediately paid off ... And they.. out of the blue ... close my card. I called and spoke to several supervisors who refused to tell me anything but that it was a " business decision. '' I did nothing to warrant this " business decision '' they claim was based on a review of my credit.. which has not changed in months so that truly has nothing to do with it. I am not sure why you become persona non grata with synchrony when someone else steals all you have and ruins your life.. but it is not ok.
That card was in good standing and their is nothing in my credit file to warrant a card closure out of the blue. As you can see in the attached I have never even missed a payment.
I want my XXXX XXXX reinstated and to know that my synchrony cards are free from anymore random closures as everytime it happens it does great damage to the credit report that I fight like XXXX every single day to repair.
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| 07/19/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Synchrony/Amazon decided to close my account from what appears to be a Retaliatory attempt against me for complaining about the various issues that continue to occur on their behalf to the CFPB.
I contacted them and the individual I spoke with said that it was due to 2 Returned Checks within the months of XXXX and XXXX . I explained to them that even if there were returned checks, a separate payment was made the exact day that the checks were returned. This was due to an error on my end as I was waiting for a deposit.
I have a hard time believing their claim that they close accounts after 2 Returned Checks where the situation is that 2 additional Payments were sent to rectify the returned checks. That sounds like a bunch of nonsense.
In addition to closing my account, I have had a horrible experience with this company. There are very strange people who represent that company and make claims that appear to contradict what others at that company state. It all seems out of the ordinary.
I 'm attaching a few testimonials ( which are all negative I might add ) that I found on an Amazon.com forum publicly. This will give you a clue as to what goes on with this bank. I 'm certainly not the first one to have issues with this company, and I wo n't be the last. I hope it makes its way up to the Chief Executive Officer.
1 I have been using Amazon Card for at least the past 5 years, all billing do not carry interest charge if you pay it off before the billing cycle. Now, Amazon switched to Synchrony Bank, they charge interest the moment you put in the order, you will see interest at current billing before you have a chance to pay it off ... .. that XXXX ..
PS.. I called Synchrony Bank customer service to discuss this issue, that lady hung up on me right in the middle of conversation 2 I just checked my last statement and I 'm so mad. I have been using Amazon Card for the past 2 years, all billing do not carry interest charge too, if you pay it off before the billing cycle - it was awesome. But now using this card for ordinary purchases on Amazon is pointless. Recently I made purchases in the amount of {$110.00} and they charged me {$5.00} interest charge!!! It 's really insane.
3 Do not use Amazon Card anymore, just pay it off if you can, you can leave the account open to maintain higher credit score ....
Use your regular bank card ...
Amazon.com, you have deleted my initial post, I am the victim of your business partner Synchrony Bank, do you agree it is OK to cheat your Amazon customers out of interest charges?
Message to all fellow Amazon customers, DO NOT APPLY OR USE YOUR AMAZON CHARGE CARD!
You will be charged interest from the time you put in your order for regular purchase, does not apply to promotional items.
4 It is a horrible credit card for sure.
5 I loved my " no interest for 6 months '' when I bought my Canon lens with it ( only reason I applied was for the no interest ). First statement? An {$11.00} " Debt Forgiveness '' charge ... ..Sorry Amazon. With other retail sellers online now, I 'll be going elsewhere with my business ....
6 I mailed a balance transfer check from my bank to pay off the balance of my Amazon store card. Synchrony bank denied receiving the checks. Apparently they want to keep charging me interst. What can I do?
7 Synchrony Bank is a complete joke. VERY unprofessional, condescending and rude. Not the image I am sure you want to be upholding.
Amazon, as a LONG standing customer and ( Unfortunately ) a long time Prime Member, you need to seriously consider getting RID of this horrible company, I am so mad I dont know if I will ever purchase from you again and I will be telling everyone I know on Facebook/Twitter/Google/YouTube ... Cant believe you treat your best customers so horribly. Completely disappointed.
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| 04/16/2016 |
Yes |
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Web |
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Below is my complaint I filed with Synchrony Bank and I have not got a resolution to their fraudulent billing.
I have filed a formal complaint with the associated agencies regarding my account and experience. You are illegally billing me for almost {$800.00} that I did not receive.
I am writing this letter and forwarding it as this is the last straw. I have spoken to numerous people to include Supervisors and Managers at Synchrony Bank. I have spoken to a bunch of dismissive, rude, patronizing and unhelpful people. This will be my final attempt to get this issue correct and resolved however ; I am forwarded to all media sites and outlets. I am waiting for someone to take ownership of this issue and call me back expeditiously. I WILL NOT BE PAYING YOU XXXX 2 TIMES FOR XXXX TVs WHEN I ONLY RECEIVED XXXX. FIX MY BILLING!!!!!!!!!!!!!!!!!
On XXXX/XXXX/2016 I applied for and received an immediate credit approval for {$900.00}.
I placed a site to store order for a XXXX '' XXXX Smart HDTV at the location address of XXXX XXXX XXXX, XXXX, Virginia XXXX On XXXX/XXXX/2016 - I attempted to pick the order up at the location but was advised the TV was not in stock.
I asked a sales person at the XXXX, Va location to contact the XXXX XXXX, Virginia location at XXXX XXXX XXXX XXXX. XXXX XXXX, Virginia XXXX to determine if the TV was in stock.
I was advised it was and they had several.
My husband and I went to that location to get the TV which was XXXX minutes away.
When we arrived to the store to attempt to purchase the TV at the XXXX XXXX, Virginia location, the purchase would not go through.
I contacted Synchrony Bank and I explained the issue and that I was at another location.
The representative explained that because my limit was {$900.00} the site to store purchase was still showing. She stated she would have to cancel that order since it took the majority of my limit and it would release the funds so I can actually purchase the TV at the XXXX XXXX, Virginia location. Authorized code # XXXX.
The bank representative did exactly that and I was able to purchase the TV from the XXXX XXXX, Virginia location.
In XXXX 2016, I received a bill from your bank with XXXX charges for the TV which was XXXX each.
I disputed the charges, conferenced the site to store location ( XXXX, Virginia ) Manager in with Synchrony bank to verify I had not received the TV, spoke to 6 Managers, called no less than 10 times, spoke to rude and patronizing customer service representative as well as supposed Managers ( XXXX, XXXX, XXXX, etc. ), I was made to wait 60 days for a response. All to get a resolve to my dispute as the charge for the XXXX XXXX, Virginia location was valid which was never the charge in question. The charge/TV in question that was supposed to be in dispute was for the site to store location in XXXX, Virginia.
On XXXX/XXXX/2016 after receiving a letter from you all advising my charge was valid and sent me a copy of my receipt where I signed, I called to advise the incorrect charge was disputed.
I asked for a Supervisor. I received XXXX who stated he was a Manager however he was so rude, patronizing and spoke over me multiple times.
I asked for a member of management over him and I had to ask a minimum of 6 times and he then made it difficult for me to get the next level of management.
After screaming at the top of my lungs for him to transfer me, he transferred me to XXXX.
XXXX was USELESS!! He refused to give me the next level of management and frustrated me to no end looking for a reason to hang up and I became irate and with perfect timing he disconnected the call.
I am not sure why this is not fixed! I am challenging you all to pay almost {$800.00} for something you never received and to be okay with that. I do n't know why no one
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| 12/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/2020, I applied at Banana Republic for a credit card account. Synchrony Bank issues the Banana Republic Visa credit card and handles any account related matters. On XX/XX/2020, after I got home, I placed a call to Synchrony Bank to inquire why I had not received a phone call, because according to the Fair Credit Reporting Act, as a victim of identity theft, Synchrony Bank was required to call me to verify my identity. I also wanted to know if I was approved, because, I was not approved in the store, nor was I called, but was told I would receive a letter by mail. Normally I receive a call while I am still at the location where I applied, to verify my identity. Verifying my identity has been done for years, anytime I apply for credit. As of today, I have not received a call from Synchrony Bank to verify my identity, and no messages have been left on my voice mail, which is against the law and is required. When I called Synchrony, I spoke to several supervisors who stated they were not aware of the law and could not figure out which department to send me to. How is this? If your company supplies credit to consumers, your company and its employees in the credit approval department, should be well versed on the Fair Credit Reporting Act and identity theft. Not knowing how to handle victims of identity theft is very dangerous and again I will say, illegal, and could have placed me in direct contact and harm with identity theft yet again.
I received a letter from Synchrony Bank dated XX/XX/2020 stating that in evaluating my request for credit I was denied because Synchrony Bank was, Unable to access credit bureau due to freeze or lock. This statement is false. I feel that because you never called to verify my identity, you knew it was wrong, so you thought you would deny my application and that would take care of your wrongdoing. I lifted the freezes with XX/XX/XXXX XX/XX/XXXX, & XX/XX/XXXX, the 3 major credit bureaus, XX/XX/2020, you pulled my credit on XX/XX/2020, and the freeze went back on my credit XX/XX/2020, so you were able to verify my credit history. As a matter of fact, you did verify my credit history with bothXX/XX/XXXX and XX/XX/XXXX, which provided/provides you with a complete view of my credit. When the freeze is lifted, it was lifted immediately on XX/XX/2020. I have enclosed the letter I received from Synchrony, ( I had to tape a piece of paper on the copy of letter at the bottom, because I wrote some of my personal information on the letter ). I have also enclosed, the copies I received as proof that my security freeze was lifted with all 3 bureaus when you pulled my credit, and I have enclosed a copy from the two credit bureaus showing 2 hard inquiries. The letter also states that I can re-apply in 30 days if I lifted my freeze from all major credit reporting agencies. This was already done, so there is no need to lift it again, so you can place 2 additional hard inquiries on my credit.
There are 3 major credit reporting agencies and those freezes were lifted and you did view my credit. Any other reporting agency is a secondary reporting agency not a major credit reporting agency. You had a full view of my credit and you were able to verify my credit, and there were hard inquiries placed on my XX/XX/XXXX and XX/XX/XXXXcredit files, so you should have processed my application, because there were no other reasons provided as to why I would not be granted credit. I am requesting that my application be reconsidered, with the credit history that you actually verified and have access to with the XX/XX/XXXX and XX/XX/XXXX files you requested on XX/XX/2020. If not, please remove the hard inquiries from both credit files. I will not be penalized for something you claim you did not do when the proof shows you did.
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| 12/05/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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On XX/XX/18 I brought my car into XXXX, XXXX XXXX XXXX XXXX, NY for an inspection. It passed inspection. The mechanic noticed the ABS ( automatic brake system ) light was on. I told him a previous mechanic told me it would cost {$600.00} but it wasn't actually necessary to have and since it was a lot of money I opted not to have ti done. Many older cars come without ABS. XXXX the manager and the mechanic told me it would only cost {$71.00} for the part and {$45.00} for labor so of course I was elated and I agreed. I waited for 4 hours. They told me I would have to bring the car back and leave it for a day since it had to be sent out to their shop. The part would not fit without compressing another part. I paid {$360.00} that day. I brought the car back on XX/XX/18 and left it. After 9 hours I called and was told I could pick the car up but I shouldn't be concerned that the ABS light was still on since the " computer has to communicate with the new part '' and this wouldn't happen until I put 50 miles on the car. I was shocked to be presented with another bill {$360.00}. I went on a trip and put 535 miles on the car. Light still on. In addition the car had a noise it never had before and the steering felt off.I called XXXX on XX/XX/18 and told him I wanted this problem fixed or I wanted a refund.He told me his boss was out sick but would call me Monday, XX/XX/18. No call back. I called the next day XX/XX/18 and spoke to boss XXXX. He apologized and told me to come in on XX/XX/18 and he would issue me a refund. He told me the refund may take a few days to go through and that he would call me that Monday XX/XX/18. This was on a Thursday XX/XX/18. It made sense and I had no reason to not believe him. No call on Monday. I called Synchrony Bank which is actually XXXX and saw refund not reflected. XX/XX/18 I called XXXX again and was told XXXX would be calling me the next day at XXXX XXXX. No call from XXXX. On XX/XX/18 I called Synchrony to dispute charges since I am now getting billed. I faxed a formal complaint to XXXX Corporate Office on XX/XX/18. On XX/XX/18 I received a letter from Synchrony stating that they found in favor of the merchant and this matter was closed. The letter had a copy of the invoice which was partially whited out. When I compared it to my original invoice I saw it was filled with inaccuracies. They used the XX/XX/XXXX invoice rather than the invoice of XX/XX/XXXX which I am disputing. They have actually altered this invoice. They have whited out dates, invoice number and more.. I called the Corporate office and was told some would be getting back to me " as soon as possible ''. As of this date the ABS light is still on, I am still being billed and I am being totally ignored by not only this merchant but also by Corporate. I was scammed into getting their credit card. On my first visit I was offered a credit card and said " no thank you ''. XXXX asked me for my SS number and said he needed it for the computer. When I gave him my debit card to pay he said " oh no, you're already approved. Its on the card ''. XXXX the manager is very friendly and told me he wanted to be a priest. XXXX told me he is an ex police officer. I trusted them completely. They have ignored my calls and the Bank is, in essence, XXXX so they are ignoring me. So it ended up costing me {$730.00} for a simple inspection. They are unscrupulous. After having my car a total of 13 hours, using a quarter tank of gas, causing a noise I never had before and screwing up the steering and still not fixing the ABS problem they want me to actually pay and additional {$360.00}. I am at my wits end with XXXX/Synchrony. I will have no choice but to pay this bill or harm my credit rating. Please whatever help you can give me would be very much appreciated.
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| 05/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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This case is against Synchrony Bank who declined my dispute of fraudulent charges ( {$1200.00} ) that happened with my Walmart credit card. I was issued Walmart credit card by Synchrony bank. I used my card at Walmart, XXXX XXXX on XX/XX/XXXX for {$45.00} after which many fraudulent charges were made with the card starting on XX/XX/XXXX without my knowledge. I realized this when I received my XX/XX/XXXX statement which was end of XX/XX/XXXX. I did not lose the card. Initially I was given a credit but after few days my dispute was declined reason that I benefited out of the card and the card was in my possession.
I filed a police report with both XXXX and XXXX XXXX police department.
Attachment # 1 is the monthly statement. I just shop at Walmart and XXXX gas station in XXXX out of the 18 stores listed. I dont shop in XXXX XXXX, XXXX supermarkets or Liquor stores.
I enquired about the transactions and time when the card was used, after lot of hesitation I was given the time and I have included the time in attachment # 2. Surprisingly I was told there are two more transactions which dont appear on the monthly statement.
1. {$21.00} on XX/XX/XXXX at XXXX, XXXX, NJ 2. {$1.00} on XX/XX/XXXX at XXXX gas station, XXXX The charges made are mostly in XXXX XXXX. I live in XXXX and commute to XXXX from XXXX train station. I wont park my car in XXXX before XXXX XXXX and travel to XXXX XXXX to have breakfast in XXXX XXXX at XXXX XXXX ( transaction XX/XX/XXXX ) Attachment # 3 is a letter from my Manager that I was present in the office on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My office hours are XXXX XXXX to XXXX.
Below are some of the transaction times and proof of me not being at the location at the time when my card was used.
1. Transactions 2 and 3 on XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXX and XXXX XXXX XXXX At this time, I was shopping at XXXX in XXXX and the transaction time was XXXX ( XXXX XXXX ) which is just 4 minutes after XXXX XXXX transaction ( Attachment # 4 ).
2. Transaction 5 on XX/XX/XXXX at XXXX XXXX at XXXX ( XXXX XXXX ) I sent an email at XXXX XXXX from my office in XXXX XXXX XXXX. No way I could reach XXXX XXXX from my office in 1 hour ( Attachment # 5 ) 3. Transaction 10 and 11 on XX/XX/XXXX at XXXX XXXX and XXXX at XXXX XXXX At this time, I was shopping at XXXX in XXXX and the transaction time was XXXX XXXX. ( Attachment # 6 ) 4. Transaction 30 on XX/XX/XXXX at XXXX at XXXX in XXXX At this time I was in my office and had sent an email at XXXX ( XXXX XXXX ) ( Attachment # 7 ) 5. Transaction 35 on XX/XX/XXXX at XXXX at XXXX in XXXX At this time I was in my office and had sent an email at XXXX ( XXXX XXXX ) ( Attachment # 8 ) I have contacted many merchants and some cooperated. Video footage was available at various stores and if Synchrony bank had investigated diligently, they would have found that I was not at the location. Actually, they really dont want to investigate in detail and just pass the charges on me.
The owner of XXXX XXXX food store in XXXX shared the receipts with me ( Attachment # 9 ) and those are not my signatures.
With all the above evidences, it proves that I am innocent and didnt make these purchases. If the credit card was not lost and my information was leaked it is the credit card company who should find out how the information was leaked. Just saying that chip can not be duplicated and accusing me of benefiting out of the purchases is not true.
According to many articles, chip duplicators are available.
I seek justice from this fraud bank who are threatening me to tarnish my credit if I dont pay for the purchases which I didnt make.
Walmart has been silent observer and doesnt take any interest in resolving this.
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| 02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is first regarding XXXX XXXX XXXX XXXX credit card. I went thru hardship and loss of jon since XX/XX/XXXX and even those months I have paid what I could on my card. Then in XXXX I got my job back and called them to pay and they put me into a {$50.00} payment and I even paid {$250.00} plus {$50.00} extra in XXXX, {$150.00} extra plus {$65.00} plus {$50.00} this month yet they still reported me late for XXXX and XXXX. I have called them, mailed proof to them, mailed proof to the credit bureaus but XXXX bank refuses to help me. I spoke to different managers even yesterday XX/XX/XXXX yet everyone just states what they are told to say and dont understand my situation. I really need the incorrect reporting on my credit report to be removed. This is not right, its soooo easy to put me on but why are they refusing to take it off. I also called and mailed letter to XXXX, XXXX and XXXX. I do not know what else to do, their reporting is wrong and it is messing up my credit score a lot!
Also, second, XXXXXXXX XXXX XXXX they are reporting me late wrong for XXXX XXXX, XXXX even thou I paid. I have also called them numerous times and they know about their error but they keep saying they will correct and they have not. See payment proof attached for them also. Please help me remove the late payments.
Last one is pay pal MasterCard. I have had soo much hardship since XX/XX/XXXX due to loss of job and in XXXX I called them and they put me on a {$10.00} fee per month and told me that account will stay open, yet they closed the account and that has lowered, messed up my score by 36 points. I have been paying the {$10.00} every month and on top I paid extra {$100.00} on XX/XX/XXXX. What they have done to me is ridiculous and not fair. I specifically asked the person that put me on the {$10.00} program if this will affect my score negative and they told me no. This si unfair what they did to me, and on top they closed my account and mind you total we are talking about if {$210.00}. I could have paid the amount, yet they told me to take the {$10.00} program as this way my account will stay open. Please, I contacted them, I called them, mailed proof to them, credit bureaus and nothing has changed, same issue and they messed up my score soo much even today it went down 34 points because of them! Please I need help, I dont know what else to do.
I have had hardship because of this loss of job but I still paid amounts that I could every month for each one of these 3 cards. The moment I got my job back I called each one and asked them what to do to correct the accounts. I did what I was told. On top i paid even more, but they are being unfair. They refuse to remove late items, and actually the ones that I want removed are for the months I paid. I have sent each one of them numerous letters and placed numerous complaints with 3 credit bureaus! I dont know what else to do, I am desperate. These 3 cards messed up my score sooo much, and we are in the process of buying a home, I used to be in the XXXX now I am in XXXX. I work hard on everything on my score but because of them every month my score goes down. This is incorrect and I ask you please for your help! I just need them to be fair. I went thru hardship due to loss of job due to covid 19 and had a baby in XXXX. I am trying my best. I am on time. So have them give me some help please! I begged them for help. Nothing has changed.
Please investigate this and please have them remove late reportings that are inaccurate. I have proof of all payments! I am attaching for your review and please help me. They should not do this to their customers. I have been a cardholder of XXXX bank since XXXX, NEVER had an issues, never was late for them to do this to me and treat me this way! Please help me.
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| 01/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
Older American, Servicemember |
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As offered on their website, I applied for a Credit Card with XXXX XXXX XXXX / XXXX.
On XX/XX/2020, I received a response back, via email on Synchrony Bank letterhead stating : Your request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased.
I am not deceased, I have never been deceased, I have no intention of being deceased any time soon.
Their email states : Some information used to make this decision was obtained from the consumer reporting agency ( agencies ) listed below. This consumer reporting agency ( agencies ) did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action.
If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information.
If more than one agency is disclosed the reason ( s ) shown are based on the report provided by the first listed agency. XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I contacted Synchrony Bank, and was basically told that I could not speak to anyone there about my credit rejection, and that Synchrony Bank refused to contact XXXX or anyone else to clear up the false statement in their letter that I was dead.
A credit report was requested from XXXX, which showed all my accounts current and did NOT show that I was dead.
XXXX indicates that they get information from various other sources in reporting back to Synchrony Bank, but that whatever false information they gathered, they dont keep any records of, so there is no way to find out who is reporting me as being deceased.
-As it turns out, XXXX is just a dummy XXXX XXXX XXXX in XXXX XXXX XXXX
The credit inquiry was sent, Return Receipt.
I used the USPS system to track the letter and discovered that any correspondence does NOT go to California. Instead, the mail is forwarded to some secret place in XXXX, Georgia.
Anyone using the USPS return receipt system, for which you have to pay, is not allowed to know where any correspondence with XXXX actually goes.
-There is no telephone number for XXXX other than a computerized service which just takes your information in a long convoluted process, the same as the online form. You are not allowed to speak any actual person.
-There is an alleged Fax number for XXXX XXXX which was tried many times and the XXXX office indicated the signals they were hearing on the dialup showed the machine was just turned off.
-XXXX also responded along with their consumer credit report : A copy of your XXXX , XXXX ( 'XXXX '' ) report is enclosed.
Please note that XXXX also. acts as a reseller of certain credit data and other information provided by XXXX XXXX XXXX , XXXX ( 'XXXX '' ) ( the XXXX XXXX '' ).
If XXXX prepares a credit score for a client ( typically a credit grantor ), XXXX may include XXXX Data in such score.
XXXXdoes not retain the XXXX XXXX used to prepare such credit score.
If you are interested in obtaining your XXXX consumer disclosure report, please contact XXXX and they will assist you in obtaining a copy of your credit report. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX If you believe any information in your XXXX consumer disclosure report is incorrect, you have the right to dispute the accuracy and/or completeness of the information directly with them.
Summary : XXXX is indicating they are protected from any legal action resulting from denial of credit by filing false information against the credit applicant, and so is everyone else involved.
The consumer has No rights, No one to speak to, No recourse.
There is NO record or indication in ANY credit report from the 3 major agencies, nor any of the entities listed above that indicate that I am Deceased.
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| 06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX a fraudulent enquiry was made using my name and SS # with SYNBC/PAYPAL, for which a few alerts were forwarded to me by XXXX, XXXX XXXX, XXXX XXXX to mention just a few. Immediately upon receiving the alerts I contacted XXXX to establish the source of the enquiry. They supplied me with the company name and telephone number accompanying the fraudulent enquiry. I then immediately contacted Synchrony Bank/Paypal and advised them that the enquiry had not been made by me, and clearly it was fraud. At that time, I was informed that the account was being blocked as we spoke, and that an investigation into the incident was being put in motion. Within some three weeks, I received a letter from Synchrony Bank advising me that the investigation had been completed, and that as a result of a fraudulent enquiry /I.D. theft, they had already forwarded instructions to all three Credit Bureaus to immediately delete/rectify my credit report to not show this enquiry under my name. Both XXXX as well as XXXX were highly efficient in conforming with the instruction by Synchrony Bank to have the said enquiry deleted off my records. XXXX, in the meantime, have refused to correct it despite the umpteenth phone calls to them regarding the matter, as well as the disputes I started to try and have it resolved. We are now at the end of XX/XX/XXXX, over a year since the fraudulent enquiry was made on XX/XX/XXXX. My phone records will show and prove the number of times I have called both XXXX Fraud department as well as Synchrony Bank 's. Synchrony Bank informed me that they have records showing the numerous requests forwarded to XXXX to immediately correct my credit report, yet XXXX blame Synchrony Bank that such instruction has not been received. Bearing in mind that XXXX and XXXX promptly and timely deleted/corrected my report regarding the fraud incident, it is more than obvious that XXXX are playing a game with this matter. I am completely 'OCD ' over finances and in my seventeen ( 17 ) years in America , I have not EVER missed a payment, or been late withy one. My last valid enquiry was made on XX/XX/XXXX shortly after purchasing a new home and when I began renovating my home by applying for a 0 % finance on a card over a period of time. I am a highly responsible and trustworthy person, making sure to ALWAYS keep on top of my finances. Being a XXXX survivor as well, and trying to keep my stress levels to a minimum, I will not allow XXXX nor Synchrony Bank for that matter to destroy my health over something which should have long been resolved. I have filed a Police Report on XX/XX/XXXX which together with this report will be the basis of a law suit against both XXXX and Synchrony Bank for wrongful treatment, pain and suffering. I will no longer allow this situation to continue, being bounced back and forth between the two companies, each one pointing fingers at the other. I consider this matter to be extremely serious, and under no circumstances will this level of inefficiency by both parties be tolerated any longer. I am hereby giving XXXX and Synchrony Bank to have my report corrected by XX/XX/XXXX accompanied by a written notification from both confirming it being done, with an updated credit report no longer showing the fraudulent hard enquiry dated XX/XX/XXXX, failing which legal action will be instituted against both companies.
I trust that this complaint report will assist many other people who may have had similar experiences with XXXXx, by bringing their complaints forward and onto the public awareness. XXXX is a most corrupt and inefficient business and should not be permitted to be in business. It's time that this company finally is made accountable for their never ending serious issues with consumers. Thank you.
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| 05/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I was recently referred to your office by Senator XXXX office ; the issue is trying to obtain a refund for a Cruise that was cancelled because of the pandemic. I realize there is a lot on everyones plates at this time ; but refunding the cost of something that was never received should not be an issue. My frustrations are with both the credit card company ( i.e., Sams Club Synchrony Bank SCSB ) ) and with the cruise line, i.e., XXXX. At this time, SCCB has placed me on notice that they have temporarily refunded to my account the full amount of the payment I made in XXXX ; however, they have indicated that XXXX has the option to provide counter information over the next two months and the chargers could be reinstated.
I realize that these are unique times and we all need to be patient as the coronavirus pandemic is having significant impacts on lives and on businesses. I am writing this letter to simply inform you of a potential upcoming problem and requesting guidance on my options if needed.
Background : In XXXX, I fully paid for a cruise to the XXXX. On XX/XX/XXXX, XXXX notified me that the cruise was cancelled, but that it would be several weeks before we could apply for a refund. I attempted to file for refund on a couple of occasions, but the web site indicated the form was not available. Chalk it up to old age or simply misreading their email, but apparently you were only allowed to file for a refund during a 7-day period ; a period that occurred during a time when we were focused on some family caregiving activities. The default for not responding was that I accepted cruise credits ; this to me seems to be wrong, i.e., the default provides the customer with something not originally purchased.
In a XX/XX/XXXX conversation with a XXXX representative they told me that the time frame for filing for a refund had passed and that I was left with future cruise credits that I would be required to use within the year. I simply think that a refund on a cruise XXXX cancelled should neither be limited to a prescribed short-period of time nor should I be required to accept future credits for a cruise that we may not be able to take. The default provision for a service not provided should be a refund to the consumer ; it should not default to some cruise credits for some future cruise. I did not buy cruise credits ; I purchase a prescribed cruise which was cancelled With respect to the credit card company ; initial discussions with a company representative told me that there is little they can do until I have explored all possibilities with XXXX. After several minutes of discussion, the SCSB representative reluctantly agreed to allow me to immediately file to dispute the XXXX charge to my credit card. Recently I received notice that the dispute was temporally found to be in my favor, but I was put on notice that XXXX could provide documentation to reverse the decision.
Previous correspondence has been with : - XXXXXXXX XXXX XXXX : XXXX XXXX, VP Guest Services, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - Sams Club Credit : SYNCHRONY BANK XXXXXXXX XXXX XXXX XXXX, FL XXXX - Honorable XXXX XXXX XXXX ; with a follow-up message from XXXX, XXXX ( XXXX ) XXXX Summary : This complaint is to simply alert your office to a situation that may ultimately need your advice or help. In my mind the issue is simple, i.e., service not provided, payment was made ( as required ) over 100 days ago, money is in holding by cruise line, refund should be automatic. It should not take months from time of cancellation for the matter to be resolved. And, I ( as a customer who did not receive the services I paid for ) should not be forced to accept cruise credits.
Yours Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX Telephone : XXXX XXXX XXXX
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| 03/01/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/, 2019 I had received a notification my credit score had gone down which I am in the process of purchasing a home and can not have it go down, so I logged online to see the reason it had gone down and the notification stated I had one of my credit cards maxed out to be specific my JCPenny Store Credit Card maxed out. I was confused and thought to myself this is clearly fraud because I dont have my JCPenny Credit Card maxed out and the notification continued to say make a payment and bring the balance down to bring your credit score back up. I immediately called JCPenny customer service XXXX at XXXX central standard time on XX/XX/, 2019. I explain to the customer service representative that it shows me maxed out on my credit card and this is wrong and clearly fraud and she stated it was correct that they changed my credit limit to {$280.00}. I asked her on what grounds did they change it and this is deceptive business practices because they did not inform me that they had changed it or why, that I received not notification whatsoever. I told her that as a consumer who agreed to a certain amount when I initially applied for the card a year ago and allowed them to run my credit a year ago and was approved for {$500.00} that this has been my a credit amount this entire time. I told her I have never paid late or gone over my credit limit. The representative said that is correct you were approved for {$500.00} about a year ago and never paid late and said however we have a system that monitors your spending habits and will match your credit line to your spending habits, so I tell the representative okay let me make sense of what you are saying and said since I dont max out my card or use the {$500.00} every month your system is monitoring my spending habits and your system changed my credit limit to match my actual spending amount and she said yes. I tell the representative again this is deceptive business practices to monitor my spending or any consumers spending and based on those grounds they changed my credit limit and thats where I have an issue because it was changed without my knowledge and this hurt my credit score. I told her because you monitored my spending and changed my limit to what I actually spend which is roughly {$280.00} a month and me having a balance of {$270.00} has a negative impact on me and this information reports to credit bureau as a card maxed out and to make a payment to bring balance down and this would then raise your credit score and thats where I have a problem and issue with these deceptive business practices. This company completed deceptive business practices by monitoring my spending but to change my credit limit based on spending habits and not inform the consumer is deceptive and wrong. The representative apologizes and says we can raise it again but to raise a credit limit we have to run your credit report again which I declined and told her why would I run my credit report again to have the same limit I initially started with. I told her I gave you permission to run it a year ago and agreed to a certain amount and for what for you to monitor my spending and just change it. I informed her I was gon na file a complaint because they did not notify me in any way, shape or form and if it was not because of my alert from credit bureaus that there had been a change to credit score I would never have known the amount changed. I told her I could have decided to purchase something for someone as a gift and my card would have been declined and again she apologizes and says lets run your credit score again to raise it back up for you. This has been the most deceptive act I have ever come across, for your spending habits to be monitored and your credit line changed based on those grounds.
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| 07/30/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Older American |
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I was checking my credit report and noticed the company Synchrony Bank decreased my credit limit. This adversely affected my credit score by diminishing it by 3 points at both XXXX and XXXX. According to their terms " Credit Limit. You will be assigned a credit limit on your account that we may increase or decrease from time to time. If we approve a purchase that makes you go over your credit limit, we do not give up any rights under this Agreement and we do not treat it as an increase in your credit limit '' they do not notify you of such action and the reason for the action. I received no notification whatsoever, other than marketing offers emailed to shop with offers such as 6 months SAC, and this was AFTER the action of lowering my credit limit.
I find this interesting when my credit score is in the 800 range. The only thing I could imagine is that my account has not been used in a year, as they do not offer anything apppealing to purchase at this time. Is that my fault they offer XXXX merchandise at inflated prices?
I have since taken the action to close my account so that it does not appear like I am some deadbeat who didn't pay their bill and lost the credit line. Synchrony 's ADVERSE ACTION has now possibly cost me the advantage to getting good rates if I should decide to make a real estate purchase or make a car or other loan.
This has got to stop. They have, under Regulation V, the permissable purpose to review accounts AND the credit score of the account holder by making a soft inquiry, as a regular credit risk review of all accounts. Why did they not exercise this soft credit review? Had they done so they would have seen my impeccable credit history and score.
I find this action an attack on me, the consumer, to denegrade my credit ability which I have painstakingly built over the years, and a real kick in the XXXX for all the many purchases I have made at QVC for over 30 years. They have lost me as a credit card customer and as a purchasing QVC customer. I will spend XXXX dollars ar QVC and wil ensure that everyone I know hears how both Synchrony ( Formerly GE credit ) and QVC " values '' their customer. I have other credit cards with Synchrony and those will be replaced post haste, as there are other credit card companies who are more than happy to have good customers, and will provide better service. Since I always pay my statement balances in full, they were probably XXXX hurt they get, nor have ever gotten finance charges paid to them by me.
Trying to resolve the issue, and question the reason for the action is a " XXXX by a XXXX IVR number optons '' that never get you to a real customer service representative, but instead runs you all around the tree for 20 minutes, so that when you finally get the option and are in line waiting, the phone muzac stops and the line goes dead. You are never sent to a real person to discuss your concern. The online chat is a BOT, that is triggered by word algorithims, so that doesn't get you any answers either, but lucky me, I get promted to do a survey when I stop the chat, that is structured to make me feel like I made a difference, but no one really sees or cares about it. It is a mental psyop.
I would like the CFPB to investigate and make it a regular part of the examination process to stop this practice of lowering credit limits arbitrarily, without prior warning, and in so doing damaging the credit reputation of the consumer. The credit card companies should be doing regular credit reviews under Regulation V, soft reviews of credit bureaus to determine if the action is appropriate, which would still allow for them to mitigate their credit risk. We have regulatory compliance in place, I suggest you make sure these institutions are using it appropriately.
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| 03/29/2016 |
Yes |
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Web |
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I have not received information about dispute process after I was told that I should receive in 30 days after my request XX/XX/2016 I was told that there was no department for Military and no special programs to help Military with payment concerns.
I have several concerns with the Collections & Disputes Division : I was informed of conflicting and different information of how to find and receive information of the dispute process.
Dispute process very vague- when I asked what information am I supposed to be informed of when placing a dispute, I received vague answers. I was then advised after I asked why my documents from my medical record had been sent from XXXX at XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX to Synchrony Bank, they stated because I disputed the bill due to quality of service. They stated that they ca n't really determine anything about " quality of service '' and they are going to go with the Doctor 's office anyway. I stated, if you do n't do anything with quality of service disputes, why would they proceed with a dispute that could result in my " medical records '' being released to them unnecessarily. I asked what documents could I provide to support my dispute and they stated they tend to go with the Doctor anyway because they have no way of evaluating quality of service. XXXX from Collections never disclosed what information I could provide for the dispute process or that the do n't judge the necessity or quality of medical or XXXX services required. I was never advised about my personal medical records being released and that they ca n't assist in quality of service issues when it comes to " medical disputes '' before acquiring my personal medical records. No one ever stated that my medical records may have to be accessed in the process of the dispute. Then they kept stating that my medical records were not accessed but my XXXX consent was sent which specifies certain specifics of my XXXX to be done. I also did not provide any supporting documentation because when I asked what could I provide, they did not inform me that I could provide any supporting documentation.
This statement conflict with their " Care Credit " Synchrony Bank on XXXX XXXX of XXXX of their Care Credit Terms and agreement that I was finally directed to after speaking to XXXX from Corporate on XXXX/XXXX/2016.
Supervisor, XXXX ( located in XXXX XXXX XXXX ) that I spoke to on XXXX/XXXX/2016 around XXXX pm. When I asked about the dispute process, she had no details or a place where I could find it written. She stated the only way for me to find it is to have it mailed out to me. I also asked if there a phone number to Corporate, she stated no and that I can only write to the FRCA. She stated that there is no phone number to any one above her.
XXXX rep from Corporate, that I spoke with on XXXX/XXXX/2016 @ XXXX XXXX stated I can not receive a copy of the dispute request that was sent from Synchrony Bank to the the XXXX at XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX. I asked her why not and she states I just ca n't have it and she states that 's their company policy. I asked her what information do they have clarifying the dispute process within XXXX and she asked what do I want to know. She states that they are not going to break down every little thing. I also made a complaint to her about the Supervisor XXXX from XXXX XXXX, XXXX, lied to me about how there is no Corporate contact information for complaints and that the only way to contact the FCRA was to write them. I asked what reporting agency that Synchrony Bank falls under to report complaints and fair practices, she never mention the CFPB ( Consumer Financial Protection Bureau. I find it hard to believe that she did not know this information, holding the position of Supervisor.
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| 07/19/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Personal information incorrect
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Web |
Older American |
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On XX/XX/XXXX, I shopped in and purchased items in a Stein Mart store in XXXX, New Mexico. On the infrequent times that I had tire service at a XXXX XXXX, I went next door to the Stein Mart shop. I liked their inventory. Anyway, I went to the checkout counter with {$61.00} worth of goods and they offered me a store credit card. I said okay and they filled out a form. In XX/XX/XXXX, I received a letter from a collection agency ( XXXX XXXX XXXX ) which said I owed them {$210.00}. I had never received the credit card from Stein Mart, nor any bill. I frankly had forgotten all about this. In any case, Stein Mart had sent the bill ( and card ) to the wrong address. I live in a town in central New Mexico which does not have mail service to the door. You must get mail out of a Post Office Box and they had used my street address. I could straighten this out easily, or so I thought. I have spent probably ten hours on the telephone altogether between Stein Mart representatives, the bank which issues the credit cards ( Synchrony Bank ) and, of course, the collection agency. I have offered to pay the amount that I actually owe ( {$61.00} ) to the collection agency, but they will only bargain to a point. I have talked to representatives from Synchrony Bank ( lastly, XXXX XXXX ) on XXXX XXXX XXXX, XX/XX/XXXXand they insist that the situation is too old for them to help. Bear in mind that the collection agency ( who were the first to get my address right ) sent me correspondence in XX/XX/XXXX. I have been to the actual store in XXXX twice, and they are unable to do nothing. I have spoken to the director of Stein Mart 's partner program ( XXXX XXXX at XXXX ) on XX/XX/XXXX. This low life was arrogant and rude and lied and insisted that I had requested a credit increase on XX/XX/XXXX. For one thing my credit was golden ( well above 800 ) and, for another, I had never received the credit card and had forgotten all about it. I spoke to a Manager of the partner program for Stein Mart ( XXXX XXXX at XXXX ) on XX/XX/XXXX and she is actually of lower rank in the Stein Mart world than this XXXX XXXX. I have spoken several times to various flunkies at XXXX XXXX XXXX and they all give me different money compromises, though none will accept the original amount that I owe from my fateful ( needless to say, last ) visit of XX/XX/XXXX. In the meantime, they have put a XXXX point ding in my credit, heretofore golden. This is total XXXX. I never received any correspondence nor billing from this entity. The bank says that I found out too late. The collection agency refuses to bargain. The director of the partner program for Stein Mart has out-and-out lied to me and been extremely dismissive. I have operated in good faith with all of these entities. The same thing happened to me years ago when I shopped at XXXX XXXX store in XXXX. A woman with a clipboard approached me and asked me to sign up for a Lowe 's credit card. I said ok and charged {$19.00} some odd dollars to the XXXX XXXX account. A year and a half later I received a call on my cellular telephone from a Collection Agency. I called XXXX XXXX and their issuing bank ( Synchrony again ), paid them the {$19.00}, they reissued the credit card, and I have been a constant customer ever since. They had sent the credit card and the billing to my physical address and everything ended up in the dead letter realm. This is unfair. I've wasted enough time on this. I just want to square with Stein Mart and move on. I owe them {$61.00}. I would rather XXXX under a bridge than give them money to cover THEIR mistake. I appreciate your attention to this matter and apologize that people could be so unreasonable that it has come to this. Without constructive notice, how could I ever respond to an invisibility?
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| 12/20/2016 |
Yes |
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Web |
Older American |
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XX/XX/2016 I already have filed a complainjt with you about Lowe 's Synchronjy Bank of XXXX, XXXX however, it seems things get more complicated as each day passes by. I have written this bank so many times, given them all the information to prove I paid all monthly statements on time still I get letters even today from them and one from undoubtedly their head office that made no sense whatsoever. I am going to send you copies of everything I have received from the credit card company 's bank since I purchased this washer for my brother XX/XX/2016. I had six month 's free interest or was supposed to have but that appears not to be the case from everything that keeps going on. This letter I received from a XXXX XXXX with Synchrony Bank in XXXX XXXX, XXXX is so far off from the truth of the payments made I could not believe the lies. This {$120.00} referred to was paid through my bank just as all the others were and none of these events occcured except for the last payment I made on XX/XX/2016 and was delivered to Synchrony Bank in XXXX, XXXX around XX/XX/2016. I sent all the information to Synchrony with copies showing this {$28.00} was the last payment for the 6 months free interest period and the check never came back into my account as being paid. Yesterday I called my bank and inquired as to what was going on, they checked with the company Bill Pay, learned Synchrony had returned the check XXXX and Bill Pay received it on XX/XX/2016 claiming it was an INVALID account number. No letter or phone call was sent to me concerning this from the bank or Lowe 's stating my payment had been returned. I learned of this yesterday XX/XX/2016. I feel it was deliberate Ever since the purchase XX/XX/XXXX and when I paid the first payment and all succeeding payments my online bank payment shows the same identical information from the get-go. On XX/XX/2016 the {$120.00} was paid online and Synchrony received it and put it into their bank just as they had previous ones. None of what this guy or gal stated in the letter from them dated XX/XX/XXXX is true at all. All comunication from them shows only XXXX numbers on the end of the credit card just as all my other cards are identified with when they write me or I write them. This idea of not having my current address is not true. This is the first time I have received anything from this address in XXXX XXXX, XXXX. Time and again I received letters from XXXX claiming they were trying to get the investigation done and then would notify me. I am enclosing all of the information I have received and all the letters I have wasted my time in writing. They had the nerve to tell me they charged me all this late fees, {$70.00} and charged me {$18.00} for interest on {$28.00}. and credited the payment of {$28.00} and that I still owed them {$10.00} due XX/XX/XXXX. This supposedly came out of the {$120.00} they claim they received back on XXXX XXXX, 2016 when it was already credited back in XXXX as should have been. Over the months, ever since XX/XX/XXXX, they have been XXXX claiming this was not paid on time. Until they sent back this check on XX/XX/2016 to Bill Pay all the monthly payments were sent except the 1st one as I had sent the check up to Lowe 's in XXXX XXXX and by the time they sent it back to me I had to do a telephone payment on XX/XX/2016 which is documented on the statements sent to me. Why they have been trying to claim I did not pay and undoubtedly have putting this information in for the credit bureaus to down grade my credit is all wrong. I am not sure which tracking number belongs to this particular complaint as I made several to you. I did not know my password and so I could not pull up what you might have received so far from them. I know they intentionally sent back the ck.
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| 04/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Synchony Bank, Care credit account promotions. Three separate accountings for promotions all with the same interest rates different balances. Two older, one more recent at 0 % that expires this month on XX/XX/XXXX {$1000.00} borrowed in XXXX was deferred interest of pd in full in 6 months, I paid them that XXXX last billing cycle.
I requested a recast of my account yesterday, XX/XX/XXXX, because the average daily balance they used to calculate my interest during the last 5-6 months included the XXXX balance and that the allocation of funds makes a diference on the interest they charged me. The supervisor I spoke to claimed it is correct as posted and I will end up owing them a lot more money if they do that as I had interpreted the law on promotional balances.
I asked what he meant and how much is he talking about, he said, " I don't know, you tell me. '' I was speaking to a supervisor and the call was recorded and he refused to supply me a recast of my interest savings and adjustment, since I made not only the increased monthly payments, on time each month and I also paid them the {$1000.00} in full prior to the deadline. That balance should not have any deferred interest charges on it which it does since it was used to calculate my average daily balance during the promotional period.
He claimed something about 2 billing cycles prior to the expiration date I would have had to pay that entire balance off to avoid those charges, but since I did not, I owed the interest charges on it.
I have very little patience for accounting ignorance and when the lender asked me to supply that information rather than doing so himself as I requested I became upset and mentioned the CFPB to the supervisor I was speaking to. I was told to contact you, the CFPB and the Attorney General 's office, if I believe they owe me an adjustment on my account. It was said to me like a threat that I was going to look stupid, because they were in compliance. I again asked them to apply the funds to the highest interest balances for the last 6 months and supply me with a recasted balance.
Basically.what I am hearing is that they were not going to pay down any the highest interest balances with my minimum monthly payments, which also increased due to the {$1000.00} balance increase. I had the funds to pay that balance in full in my bank account and could have paid it off at any time after the XXXX month, but they are telling me I would have owed them more interest since they were applying the payments towards the 0 % interest balance first.
The refusal to show me how they deferred 100 % of the 0 % balance seems unfair and I don't understand why I only had 4 months to pay off a 6 months deferred balance. How can I get this information, or do I have to contact a private attorney? They made money on that {$1000.00} and can not prove to me otherwise.
Prior statement balance was {$1400.00}. I paid {$1000.00} during that billing period and was told that the promotion of {$1000.00} amount had a new balance of {$730.00} when my payment of {$1000.00} was applied. The new balances on the other older 2 previous promontions were {$400.00} and XXXX totaling XXXX. My latest statement showed a new balance due of {$480.00}. Higher than I was told on my last phone call the month before. I question then why were my funds being appied to the lowest interest balance and to make sure my {$1000.00} was applied there and the minimum monthly payments towards the prior high interest promotions at the exhorbinant rate of 26.99 % each. This is a clear case of the consumer not getting the benefit of zero percent promotions as promised. It's an unfair business practice that only benefits them. I will be contacting the Attorney General 's office about this as well.
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| 10/25/2016 |
Yes |
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Web |
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I am filing this complaint because I feel Synchrony has been unfairly besmirched my credit through forces that were outside my control. A single payment of XXXX {$35.00} was missed ( now the only negative comment on my credit report, and the only missed payment I have ever had in my credit history ). I had previously called in to report an issue with there being multiple usernames/passwords associated with my account, as well as multiple card numbers and cards being issued seemingly every few months. I will go into further detail below.
A new Banana Republic card was issued to me randomly ( my old card had not expired ). I assumed this was part of the industry-wide upgrade to the newer " chip technology '' card to enhance security. Over the last 12 months I have received a new BR card on at least XXXX other occasions where I did not request XXXX, which was confusing but not a terrible inconvenience in itself. When I log in to the BR credit card portal via Synchrony Bank, using XXXX username, it was only showing the balance from the previous card, which created further confusion. When I login with a different username ( XXXXXXXXXXXX ), it shows the newest card and associated balance. XXXX username was my actual username XXXX '', the other was an e-mail address that I no longer use. I had called previously about this issue because each time I logged in with my XXXX username I was forced to enter my full acct number and then change my password. Every single time. I must have changed my password 25 times. This happened every time I logged in with XXXX. When I called a while ago about the issue I was told this should not be happening but an explanation or solution was not provided, other than " do n't login on your phone '' which made no difference whatsoever when I later tried again.
So I activated the new chip-based card I received and used it for the first time at my local BR store. The balance due was around XXXX {$40.00}. A few weeks later, when I checked my balance when logging in with the XXXX username your website showed a {$0.00} balance. What I did not realize was this was the balance of the card that had been replaced ( not the newer card ). I was not seeing the balance for the new card, I assume because the new card was n't " registered '' with the alternate username. Since I had paid for my purchase using a " rewards certificates '' the {$0.00} balance did not seem out of the ordinary to me in hindsight. I was NOT aware of the balance on the new card because your website was showing a balance of {$0.00}, so I did not make any payments.
I very strongly feel the missed payment was not my fault since your system has been constantly changing cards on me and also because the issue with the multiple usernames/passwords for the same account prevented me seeing my REAL balance. If you look through my credit history I have NEVER missed a single payment in XXXX years of using credit. A week ago my credit score was XXXX and I was applying for a mortgage. After Synchrony reported this delinquency my score immediately dropped XXXX points and has basically derailed my pending mortgage application and put it out of reach. This is an absolute NIGHTMARE SCENARIO for my wife and I right now as our current lease is expiring and we have already set the wheels in motion to buy our first home ( plans to relocate, etc. ). All over a {$35.00} charge at Banana Republic. This is NOT acceptable XXXX bit. Ironically, I have {$24000.00} saved ( for our first home ) in another Synchrony XXXX XXXX XXXX account which I now am considering moving to a different bank over this non-sense. I sincerely hope Synchrony will make amends with me as reporting this to the credit bureaus is utterly destructive and unfair to a long-time customer.
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| 08/13/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.
As a federally protected consumer, I am making this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for committing identity theft. I have never given XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX and my failure to dispute the validity of the alleged debts shall not be construed as an admission of liability pursuant 15 USC 1692g ( c ). As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX any right to collect on this alleged debt.
I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, before they committed multiple violations under FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, can not provide me proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, RobinsonXXXXPatman Act, Clayton Act , FTC ACT, and RICO Act. XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX shall be held accountable for actual damages caused, and shall be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 09/12/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Purchased a chiro from XXXX XXXX XXXX on or about XX/XX/XXXX and was delivered on XX/XX/XXXX ; however, the item was determined to be damaged by the delivery driver. Stated that XXXX customer service would call to make arrangements for a replacement. The replacement could not be delivered until XX/XX/XXXX, so I chose another one that could be delivered within a week of XX/XX/XXXX. Unfortunately, that replacement chiro was attempted to be delivered on or about XX/XX/XXXX and, again, the delivery driver inspected it an determined that it too was damaged. So, the first damaged chiro had to be left at my home where I had to call XXXX customer service to pick it up because I did not want to purchase another chiro from this company. Within 5 days of the attempted delivery of the damaged replacement chiro, the first damaged chiro was picked up by XXXX. XXXX stated that a credit to my credit account would take 21 days. As of this date, XX/XX/XXXX, that has not happened and XXXX is requesting payment on that chiro which I never received. I discussed this with XXXX before my scheduled payment of XX/XX/XXXX and was told that instead of 21 days, the credit could take up to two months. I informed XXXX that the billing is unacceptable and that I would not pay on something that I never received. XXXX suggested that I call XXXX XXXX because it had no control of the billing. I called XXXX XXXX and discussed with a phone rep what had happened and that my billing needs to be updated because I was expected to pay on the chiro for two months when, in fact, I had not received the item. XXXX XXXX phone rep assured me that I would not be responsible for the disputed amount and that I should go ahead and only pay on the balance of my account which was {$120.00} at the time with a $ XXXX monthly payment. XXXX XXXX sent out two letters informing me of the dispute and that it was in agreement with my dispute. About a week later, I received an email from XXXX XXXX stating that my XX/XX/XXXX payment is {$39.00} -- making me pay on an item that I did not receive. I called XXXX XXXX again about the disputed amount and spoke with a credit manager who had no information about the disputed amount and stated that I must pay the {$39.00}. On or about XX/XX/XXXX I signed in online with XXXX XXXX to make my XX/XX/XXXX payment of {$9.00} ( actually makes {$11.00} ) and could not find any notation of the disputed amount which was still on my bill. I received a phone call today, XX/XX/XXXX, from a XXXX XXXX manager talking to me as though I was a delinquent customer. Stating he would see what he could do, and I immediately stopped him, stating that XXXX XXXX as a XXXX XXXX is in violation of federal regulation by making customers make monthly payments on items they NEVER RECEIVED -- BOTH ITEMS WERE DAMAGED, according to the XXXX XXXX XXXX delivery drivers. Credit should, immediately, go back to a customer 's store card. Comes to find out, XXXX XXXX had assessed a late fee because I did not pay the {$39.00} and only paid {$11.00} -- my normal monthly payment on the {$120.00} balance. He acted as though he was doing me a favor by waiving the late fee and fixing his company 's billing mistake. Talking about it was a complicated problem when, in fact, it was n't. It was a result of fraud on the part of both XXXX XXXX XXXX and XXXX XXXX -- charging customers for items not received and having them make monthly payments. About an hour ago, I received an e-mail bill from XXXX XXXX that had not been corrected. It is showing a late fee of {$27.00} for not paying the full {$39.00} payment and {$28.00} plus an additional {$39.00} for the month of XXXX. My monthly payment for the month of XXXX is not {$39.00} -- it is {$9.00} in which I normally pay {$11.00}.
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| 10/13/2016 |
Yes |
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- Advertising and marketing
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Web |
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When getting dental work, my daughter XXXX applied for a credit card which says its description " 24 month no interest '' and in bold letters " No interest if Paid in Full Within Promotion Period. '' Since she was unable to get the credit card without a joint applicant, I was a joint applicant. The first I learned that money was owed was when I was contacted by a debt collection agency approximately a year later. Although her dental bill was only {$1500.00} and the 24 month promotional period had not elapsed, I was compelled to pay {$1700.00} because of " late fees ''. I complained ( in XXXX ) that Synchrony Bank had never notified me even once before reporting me to the credit agencies. In its reply Synchrony Bank claimed " Many attempts were made to contact you regarding the payment requested on the account. We attempted with the number provided on the application of XXXX ; however this number was invalid. '' This assertion is a lie : one can verify from XXXX that this number has never been disconnected and was receiving calls during the entire period. In addition, Synchrony Bank had my cell phone number, my home address, and my email address. Nonetheless Synchrony bank did find a reason to contact the credit agencies and have my credit record expunged : my signature was required on the application for the loan and the dentist office failed to ask for my signature. If Synchrony bank really did not consider me in any way connected to my daughter 's loan, it should have returned my {$1700.00} to me. Because Synchrony did not return my money to me, I regard myself as having standing to complain about the " late fees '' charged.
My daugther complained about this previously ( XXXX ) and the response she received was completely unsatisfactory. The description of the loan ( attached ) says " 24 month no interest '' and the bold print under it says in bold No Interest If Paid in Full Within Promotional Period. '' The principal of the loan was {$1500.00}. The loan was " Paid in Full Within Promotional Period. '' So why the {$210.00} in interest? According to Synchrony Bank, that is not interest ; it is a late fee. Well, as an economics professor, I teach that re-payment for a loan is either principal or interest. Moreover, on the document that my daughter was given to sign ( attached ) there is reference down the page to a " requirement '' of 24 equal sized payments ( which XXXX failed to make ) but no indication of how much she would be charged for violating this requirement.
My point is that it is blatantly DECEPTIVE to advertise in bold that there will be no interest if the loan is paid off in full within the 24 month period and then to charge a person late fees even though the loan is paid in full during the 24 month period. If Synchrony Bank wants to charge people more even though they pay the loan in full within the 24 month period, that is fine -- -but the existence of these fees should be INCLUDED in bold and in the description at the top of the page. Otherwise, it is a deception. A more straightforward description would be the following : " No Interest if Paid in Full Within Promotional Period. HOWEVER, charges IN THE AMOUNT OF XXX will be imposed if any monthly payment is not made on time and, in addition, we will report such lapses to the credit agencies, damaging your credit score.
Granted, far fewer customers would apply for a XXXX Credit card if this proposed text replaced the one given to my daughter. Those who dropped out are precisely the ones who would no longer be victims of Synchrony Bank 's deception.
Proposed remedy : XXXX should return the {$210.00} to me since the loan was paid in full during the promotional period and should expunge the damaging report it sent concerning XXXX XXXX.
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| 10/16/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/XXXX, I logged onto XXXX and ordered a Double Oven and Refrigerator to be delivered and, I believed, installed. I purchased service contracts for both appliances which amounted to {$330.00} and I checked the box for my old appliances to be recycled at {$50.00} each. The total of the 'services ' equaling {$430.00}. The appliances w/tax totalled {$3100.00}. The day of delivery, I was told by the driver that the appliances were 'drop off ' only. No installation. I was not contacted about that previous to his showing up. I was told I should have been. I told him not to take them off the truck, that I wanted to cancel the order and get a refund. He said he'd go out side and call his boss, got in his truck and drove away. I received no paperwork from the driver. I called my XXXX 's store in XXXX XXXX, IL figuring that is where the appliances were purchased from since I do all my online purchases from that store. I spoke to the assistant manager and was told there would be no problem getting a refund being the appliances never came off the truck. However, after delving further into the matter, he said the appliances didn't come from his store and the conversation ended. I called the number on the back of my XXXX 's credit card not realizing it was Synchrony Bank and not XXXX 's I was speaking with. I was very upset and let them know it, they told me I had to speak to the store. But now I didn't know where the appliances came from. I then received a call from someone in Dispatch, I think, that had to do with the driver of the truck. There was a bit of a language barrier, but I was told I would receive a credit. So, I kept checking my account and saw a credit was given in the amount of {$3100.00}. The amount of the appliances only. I called my local XXXX store and explained to someone in Appliances what was going on and she transferred me to someone in their Delivery department who told me I would have to speak to my credit card company about that. I called the credit card company again and was told I needed to file a dispute. I filed the dispute and on XX/XX/XXXX, I received a letter saying the dispute was opened. A week or so later I received another letter which implied the dispute was closed. I called Synchrony on XX/XX/XXXX and was told it was closed, but that she would reopen it. She also gave me a number to call to cancel the service contracts. I called on XX/XX/XXXX and used an automated system to cancel the contracts. I then received an email saying I would receive a check in XXXX weeks for {$330.00}. I don't want to receive money from them!! I want my account credited in full the balance of {$430.00}. I called today, XX/XX/XXXX, to tell them that. That particular woman was not helpful. She said I had to contact the store to get the refund on the 'recycled appliances ' or it would not be removed from my card. She would not do anything about switching the refund from check to credit on my card. The reason I do not want to receive a check is I don't owe anything to XXXX. As of now, they owe me! I do not want to have to pay a monthly payment with interest on a balance that I do not owe. They should have removed the full amount of the dispute once I opened a dispute. And, it's common sense that I don't owe money for service contracts on appliances that were cancelled or for disposal of appliances that were never removed. I want them to credit me the full amount of the {$430.00} balance on my XXXX credit card and then close the account. I will NEVER shop at XXXX again or open a credit card with Synchrony Bank. ( The pics attached of the double oven is proof that it was not removed from my home. I bought a refrigerator from XXXX XXXX after I cancelled this order and they removed my old refrigerator ).
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| 03/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I requested a balance transfer from my PayPal credit to my XXXX bank credit card. During the process I realized the PayPal credit account number was incorrect so I notified XXXX bank to let them know, and they said no worries they will open an investigation and since the account number is incorrect, PayPal credit will reject the payment, however in the meantime, the payment was received, and the PayPal credit account got paid on XX/XX/2022. When I realized the account was paid, I called XXXX back and they said oh OK well PayPal reply the accounts paid but since there was already investigation open, XXXX said it had to go through the process. That was in XXXX I thought everything was fine. Well on XX/XX/XXXX I noticed there was a charge to my PayPal credit account for {$440.00} and also that they issued me a refund of XXXX XXXX by check., I called and I really couldnt get a straight answer but ultimately, they said they were going to cancel the check and just credit my account back. I waited and I waited. Nothing happened. The credit never went back to my account so I called numerous times was transferred to numerous different account managers and was told that the check was cashed and I of course said I never received a check I didnt cash a check and I was told that check was stopped And the credit was supposed to go back to my account. It took one of them a little extra time to investigate. They were able to pull an image of the check and confirmed with me. The check attached to my account was not payable to me and not cash by me and they were just have to open a case and send it to their back office, treasury department, which there is no phone number for. Still no resolution on that. Been calling for over two months. Keep getting the runaround well in the meantime, two days ago I looked at my account and noticed there was another amount charged to my account for over XXXX and some odd dollars and another transaction listed that they sent me a refund check in that amount, so now my account balance which should be XXXX is showing {$890.00} and some cents its on my credit report. I got an alert yesterday that it could be a negative affect on my credit report because its up to the max. The credit limit is only {$900.00}.. I am getting no help from Paypal Credit. I get transferred around to people that call themselves account managers and everybody says theyre going to open a case up. In the meantime I have an {$890.00} balance on PayPal credit that I do not owe and this has been for over two months that they have been giving me the runaround and not doing what theyre supposed to do, I dont owe them any money. This is very bad business a half of their customer service. People wont help you transfer you to people that cant help you. Ive gotten a few people that I thought were going to help me, but nothing is getting resolved and in the meantime, my anxiety and stress level is through the roof. My credit report is suffering because it looks like I owe them all that money and theyre creating more problems with this last Transaction they havent remedied the original dispute. I had with them for the {$440.00}. I have never received any refund checks from them. I dont understand why they would send me a refund check, but still charge my account for the amount of the check This is the most horrible experience Ive ever dealt with. I have spent hours on the phone for the last two months. Its a waste of time nothing is getting done. Most of their attitudes are oh well you need to just wait and be patient my patience is running thin and its causing a lot of problems in my life, Im hoping somebody can help me or at least put this out there to show how scandalous PayPal credit is operating when it comes to my account.
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| 01/05/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX XXXX, XXXX, I placed an order on XXXX shopping site for a pasta maker. Order number XXXX ( see attached receipt ). I have an approved XXXX credit card used for these purchases and they are typically paid in 6 installments and charged to the XXXX card. The company provides " SMART label '' return service for some items. This means you print a smart label out from their website or use the one sent with the shipment to return the item. This avoids customer having to pay upfront for the return it is then instead deducted from the amount of the refund due and it is their tracking system so it is supposed to provide " hassle-free returns ''. In this instance, I printed smart label from the website ( see attached ) Tracking number is XXXX, I dropped it off at the USPS office on XXXX/XXXX/XXXX. The USPS office provides a " drop off-label receipt '' but that label is not traceable according to the postmaster ( ridiculous ). For informational purposes, the Label # on the USPS drop off receipt is very faint in photo attached but is XXXX it shows it was accepted at XXXX on XXXX/XXXX/XXXX. It was accepted by Clerk # XXXX Bill # XXXX The USPS tracking number on the smart label is traceable and if you enter that number in the USPS or XXXX tracking site ... it shows it was received by the post office. Nothing else. XXXX tells me that it must still be at the post office. I went to the post office on XXXX XXXX to drop off another package and I checked up on it and USPS rep said it was no longer at their location so it must have been picked up by the XXXX third-party vendor ( XXXX ). In the meantime, I have submitted multiple email complaints, called and sent copies of the tracking label and proof of receipt by the post office to XXXX. I get canned email responses or a response that tells me no one has paid attention to the documents I have sent previously or my prior emails. Apparently, they are passing the buck to the third party vendor XXXX they have contracted to handle the Smart Label returns.
On XXXX/XXXX/XXXX I called again and received a helpful representative. I provided the smart label information to the representative who put it in their own " tracking '' system ( I attached copy of those screen shots from their site that shows it was accepted by USPS ) and said she could see it was showing that it was still at the post office. She opened a case number to start tracking down the issue. The case number is XXXX. She told me to give it 3 days and if I have not heard anything to call back.
Today XXXX/XXXX/XXXX I called and a representative tells me an email was sent out this morning after XXXX XXXX to me. I told her I have not received it. She said it can take up to 24 hours for an email to go out. (??? ) They have no problem getting an instant email out to me when I place an order or placing a charge on my card. Anyway, she reads it to me over the phone and says that they can not find any confirmation of that Smart label and I need to fill out papers and provide the proof. ( It is their smart label!! printed from their site! how can they not be tracking that .... and I have emailed it to them previously. Now, all the sudden if I do n't respond by the XXXX with the documentation and a notarized statement that I wo n't get refunded. First I do not have the document yet that they say they emailed to me plus I have to pay to get it notarized?
The credit provider is blaming a third party vendor they contracted with and is purposely trying to create a difficult situation so that they can keep charging my XXXX store credit card for the 6 monthly payments and not refund my money.
The customer service representatives are not helpful and you can not get anyone in authority on the phone to discuss the matter.
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| 12/07/2016 |
Yes |
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Web |
Servicemember |
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I opened a credit card account with Ashley Furniture on XXXX XXXX XXXX under a promotional program, NO PAYMENTS, NO INTEREST, NO CHARGES until XXXX XXXX, I was in the XXXX XXXX when I was notified on XXXX XXXX, XXXX that I was XXXX of XXXX XXXX in the country that were going to be randomly recalled to XXXX XXXX and XXXX to XXXX with little to no notice. I began training on orders from XXXX to XXXX XXXX and had expected to report for XXXX XXXX in XXXX, but my orders were delayed until XXXX, I had received my first account statement from GE Money Bank in XXXX XXXX, no payment was due and I had contacted GE in XXXX XXXX. I let them know that I was a XXXX who would be reporting for XXXX XXXX and XXXX to XXXX with little notice, so I wanted to set up a automatic payment arrangement and get information about were to send my SCRA request and a copy of my orders, GE had said that they would provided the SCRA protection to me once I sent them my notice and a copy of my orders. I checked in to my duty station recontacted GE to confirm the address and mailed my documents in XXXX XXXX, then again in XXXX XXXX, but was charged interest in excess of the SCRA 6 % maximum, my account was closed by GE in XXXX XXXX and received adverse credit reports every time I requested the SCRA. The account was paid in full in late XXXX, but was never adjusted for the interest charged in excess of 6 % and the response to my SCRA request was for the SSRA of XXXX, the balance was {$2500.00} in excess interest, it was never adjusted and I stopped making the payments demanded after I XXXX. GE had reported the account as charged off before I returned and never repaid the {$1000.00} paid in excess or removed the {$2500.00} that was reported still owed. The Virginia DOJ had settled my case with GE Capital after my law suit that was filed XXXX XXXX, XXXX and GE responded to the Court on XXXX XXXX, XXXX, and I emailed XXXX XXXX the XXXX DOJ on that same day, he was the Paralegal who I had provided all of my court documents to in XXXX XXXX, and the GE account statements. I emailed him that GE had admitted that they had violated the SCRA in their Answer to the Court, but they had only admitted it in a settlement letter sent by their Attorney, they did n't file their Answer until XXXX XXXX, XXXX. I was still on XXXX XXXX when the Complaint was served and issued orders for XXXX on XXXX XXXX, XXXX, I filed a copy of my orders with the Court on XXXX XXXX XXXX with my request for an extension to respond to XXXX XXXX XXXX and GE Money Bank, but the case was later dismissed when I was n't able to file a response with the Court. I never received compensation from GE Money Bank or the DOJ, I was XXXX until XXXX XXXX, I was on medical leave until XXXX XXXX, XXXX and moved to XXXX Florida. I then XXXX to XXXX in XXXX XXXX in support of the military operation when I was notified that my XXXX Clearance was being adjudicated and they wanted information concerning any of the payments made to me for the unresolved accounts. I thought it was a typo, but I had been reporting my creditors for SCRA violations after they had signed Consent Orders for the SCRA, but I had n't ever been compensated, which resulted in the Adjudicator wanting information about the outstanding debts that had been reported. I have emails from XXXX XXXX up to XXXX XXXX between the XXXX. Paralegal, the JAG Attorneys and the emails forwarded between us, XXXX XXXX said the GE Money Bank, XXXX XXXX, and XXXX XXXX XXXX XXXX filed in my law suit were provided to the Legal Assistance Office JAG Attorney. I never had the chance to contact them, but from the emails I have it was sent to the XXXX JAG Attorney, XXXX XXXX, which is the XXXX XXXX XXXX Virginia, so he must have contacted the DOJ office.
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| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have had that gas credit card for years and it always been set up for automatic payments for balance to be paid in full monthly. Its been like this for years. And monthly balance were paid in full until they changed their banking system and it stopped drawing auto pays. Since my office moved, I never received any notifications from the creditor, nor they attempted to call me. When I realized that the payments were not being taken out of my Acct, I called them. They confirmed that payments were not taken out of my account or cause the changes in their internal system. They set up for the new auto pay and acknowledged that they would consider my account current and delete all of the late payments and derogatory recordings. Representative told me that they would be notifying all of the bureaus however I waited for two months the derogatory reportings on my credit They ever verified with the credit bureau 's when i submitted a dispute.
I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company.
FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice may not b
e included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, who admitted that it was error because my billing statement wasn't sent to and they were aware and assured me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a payment statements so we wont have this maundering anymore of my account and stated that this mistake would be corrected. I never received such documentation. The results of my XXXX XXXX and XXXX and XXXX dispute have just come in, and say verified. How is this possible?. Reporting inaccurate information is also a violation of the FCRA. Enclosed is proof that payments was on time and never late Your company never sent me a billing statement and was advised that because of the mistake I would not have a late payment. I had to call your customer service and was told a statement was going to be sent to me and now I look at my credit report and you put 30 days late when it was your company and billing error.
|
| 01/09/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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|
Web |
Older American |
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Once again Synchrony Bank is not allocating my payments to loans on my XXXX credit card as directed through their own messaging system. I get acknowledgements through their online messaging system but no follow-through. This is an on-going major nonconformance and XXXX has failed to implement corrective action ( s ) to prevent recurrence of the root cause.
On XX/XX/2018 I contacted XXXX Founder and President XXXX XXXX regarding my credit complaints with My Synchrony XXXX Credit card account. Mr. XXXX had his CFO XXXX XXXX contact Synchrony Bank the same day over several issues with my XXXX credit card account ... namely payment allocation issues and timely credit posting as well as a credit extension - none of the issues were resolved by Synchrony as promised. XXXX CFO also reached out to me and I relayed my complaint details. A representative from XXXX contacted me XX/XX/2018 at XXXX XXXX. We spoke for 17 minutes. She made several commitments to resolve my complaints. None of these were resolved.
1. As far as raising my credit limit Synchrony refused claiming I had one of the highest credit limits at XXXX which is not at all true at least one customer has a {$25000.00} credit limit. Synchrony claimed that my credit rating ( excellent ) limited my credit limit. And yet I was able to apply for a 2nd XXXX credit card using the same income information and asking for a {$2000.00} credit limit and instead was granted a higher {$4500.00} limit. This additional credit could have been applied to my existing XXXX card. And yet my sales person was able to submit a purchase on XX/XX/2018 that gave me extra credit over my limit. See also complaint # 2 as it is related to this complaint.
2. I have always paid on time and have been proactive in paying off loans to make room for other purchases. On XX/XX/2018 I made an early payment for my XX/XX/2018 auto pay payment of {$640.00}. So while the system showed the payment, unfortunately by XX/XX/2018 that credit still had not been allocated to my credit limit. Synchrony promised to clear that payment for my credit limit that day but the person responsible was in a meeting. Synchrony did not follow-through as promised. As pointed out in complaint # 1 my sales person was able to submit a purchase through that gave me extra credit over my limit. Synchrony claims they have to hold up on larger credit payments for " security '' reasons for close to a week and yet my {$870.00} purchase quickly posted to my Synchrony account the next day. That statement proved to be illogical. This is the first time that I have heard that a payment posed a security risk.
3. Failure to appropriate customer directed loan payment allocations. My {$210.00} payment on XX/XX/2018 was supposed to be credited to my {$210.00} purchase but never happened. Synchrony failed to credit the payment to that purchase as I directed. The corporate person I spoke to on XX/XX/XXXX failed to follow through with her promise to properly allocate my payment to the {$210.00} purchase.
4. As I stated before in complaint # 2, on XXXXXX/XX/2018 I made an early payment of my XX/XX/2018 auto pay payment of {$640.00}. There should have been a XXXX balance for my XXXX payment. Instead I was billed an additional {$42.00} on XX/XX/2018.
5. The corporate person I spoke to about my credit issues promised to send me her contact information to my email address. That never happened to date.
I requested Synchrony look into setting up online payment allocations for each line item loan. XXXX said they would also further address my issues with Synchrony at the next meeting with them. Synchrony must resolve these allocation payment and credit issues and assign a competent person to follow-through to resolve these complaints.
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| 11/10/2016 |
Yes |
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- Credit card protection / Debt protection
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Web |
Servicemember |
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On XXXX XXXX XXXX we had to rush our cat to the emergency vet. He required a XXXX that very same night with a XXXX chance of survival and price tag of {$500.00}. Having just gotten married and having unplanned increased expenses to pay for the XXXX that night I applied and was approved at the vet 's office for a Syncb/Care Credit card with a {$500.00} credit limit.
In XXXX of XXXX I XXXX to XXXX, leaving my new XXXX wife in charge of bills, home, and child. Unfortunately, the increase burden of our combined pre married debt with her loss of income from leaving her job in XXXX to move to XXXX lead to her to prioritizing so that our family 's basic needs were being met. This lead to Syncb/Care Credit 's payments to fall behind. Ultimately leading Syncb/Care Credit 's recent and unethical reporting of late payments and heavy use of available revolving credit to XXXX, XXXX, and XXXX that have severely damaged my family 's financial security since XXXX of XXXX by heavily contributing to a denial from XXXX XXXX XXXX XXXX for a VA Home Refinance, higher interest rates for our car refinance, and personal loan though XXXX, and lower credit approval for new credit cards through XXXX and XXXX XXXX. The following list Syncb/Care Credit 's above mentioned contributions with supporting credit reports. Upon your review, it is my request that you have Syncb/Care Credit deleted from all of my current and future credit reports.
1. XXXX, XXXX, and XXXX state " You have a serious delinquency ( 60 days past due or greater ) : '' In XXXX of XXXX Syncb/Care Credit changed my account status from closed to open. And although the Status was still listed as Charge-off, the account 's Payment Timeline began listing new late payments from XXXX XXXX to XXXX XXXX. The account was originally closed and charged off in XXXX of XXXX. As listed in the the attached credit report dated XXXX/XXXX/XXXX with late dates occurring then between XXXX and XXXX of XXXX for 1 ( 30 ) /1 ( 60 ) /6 ( 90 ). However in XXXX XXXX, as the attached XXXX Score XXXX Report dated XXXX/XXXX/XXXX reports all XXXX credit bureau agencies began listing Syncb/Care Credit as open and with missed payments listed for two of them. First, XXXX, ( 1 ) 30 days late payment in XXXX XXXX, ( 1 ) late 60 days payment in XXXX XXXX, and ( 45 ) late 90 plus days from XXXX XXXX to XXXX XXXX. And second, XXXX list ( 1 ) late for 30 plus days from XXXX XXXX to XXXX XXXX. Making the originally reported ( XXXX ) late 90 plus days from XXXX to XXXX XXXX ( Report, XXXX/XXXX/XXXX ) increase to ( XXXX ) late 90 plus days from XXXX XXXX to XXXX XXXX ( XXXX, XXXX/XXXX/XXXX ).
2. XXXX credit bureau 's state " You 've made heavy use of your available revolving credit : '' The last payment made on the account by my wife was for {$50.00} on XXXX XXXX XXXX. The attached XXXX report ( XXXX/XXXX/XXXX ) list ratio of revolving balances to credit limits as 173 % ( $ XXXX {$450.00} ) for XXXX and 100 % ( I ca n't figure out how they got this number ) for XXXX.
3. XXXX and XXXX, " There is no recent activity on credit cards : '' That is because the only revolving " open '' account listed on my reports is Syncb/Care Credit and making new charges to a close and charge-off account is not possible.
4. XXXX, " There is no recent activity on revolving accounts. '' Please refer to # XXXX.
After running a XXXX Score Simulator that eliminates Syncb/Care Credit from my credit report my scores will finally reflect the hard work that my wife and I have dedicated to paying off debt and keeping our other accounts current. This will enable us to make the strategic financial decisions needed for our family 's future financial health. We thank you in advance for your time, and consideration, and advocacy.
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| 10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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The issues that I'll explain will be numbered.
Company : Synchrony Bank XXXX XXXX Issue : Transaction Date : XX/XX/2023 Amounts : {$71.00} & {$21.00} Problem : Neither of these amounts ( phantom charges ) are reflected in my statements and the XXXX I've reached out via chat regarding them, I've either been told it would be resolved ( it hasn't ), they have no idea what I'm referring to and can't see those charges on their end ( but payments are still being allocated to them and they are still being factored into my total debt ), or that the amount was for x purchase or x reason but the explanations provided don't align with the date shown AND they don't show up in my statements, nor in my payment history as charges. Only on the online portal of my account as phantom charges which they refuse to acknowledge, actually fix, or credit back the amounts that have been going them. In total, I've reached out XXXX via chat and have attached transcripts below when I realized this the issue was still not getting fixed and there were shady practices going on and XXXX through phone in which I'm given the same array of responses in terms of not seeing them, it getting fixed, and being put on hold till no one comes back to the phone and the call mysteriously drops. All six have ended like this when I tried to pursue further action or explanations etc.
2nd Main Issue : ( Most Recent ) Transaction Date : XX/XX/2023 Amounts : {$360.00} Problem : After not having my payment allocated correctly and while still contacting them to get it resolved, I continued to try and pay down the balance so that when it eventually got fixed, those funds could then be reallocated or credited back. I got the balance down to XXXX ( as shown in the documents below ), just to find another phantom charge balance of XXXX. I don't know what the original phantom charge amount was but now my balance got readjusted back to {$360.00}. and I still have the remaining phantom charge balance posted on my account and once again, I tried reaching out through chat, they had no idea what I was referring to and kept stating my current overall balance until they disconnected the chat upon me asking for further clarification through more specific questions. I then called where I was on the phone for an hour and a half ( Most of which was on hold ) to then be hung up on. I called back once again and was immediately put on hold ( after stating the issue and prompting them to check previous transcripts ) where I was then transferred without my consent, someone picked up the phone, I re-explained the issue, was once again put on hold which lasted about 20 minutes as no one picked up the phone and once again, the phone was disconnected. Tried one last time today, immediately asked for a supervisor once I was connected and confirming my information, I was put on hold, and no one picked up the phone for 45 minutes. When someone finally did, I re-explained the issue, they asked for 5-7 minutes to investigate further and the call hung up after I asked if anyone was there around the 15 minute mark. I am exhausted. This is beyond unprofessional, shady, and corrupt.
3rd Main Issue : Payment date : XX/XX/2023 Payment Amount : {$380.00} Problem : They did not allocate the funds adequately as I requested which was to balance stated above. When I called ( twice regarding this issue specifcially ), I was told that I essentially should wait it out/ for the system to reflect it. It's XXXX and the system still doesn't " reflect it ''. When I called today for the last time to ask about it, I was told to hold and one again, the call mysteriously dropped. I called back, was transferred and no one picked up the call/ was on hold for 30 minutes before I finally hung up.
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| 09/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I am following up after experiencing a day of horrible customer service. First I spent about 45 minutes trying to get assistance through your XXXX automated service and it failed me. After that I tried to get a live person to assist me, but this ended of being a waste of my time and source of my frustration. I don't have everyone 's name I spoke with but my goal was to get to online support because I am unable to access my account online. One of the many calls i made I spoke to XXXX who said she would get me over to online support. After spending over ten minutes on hold I hung up. I called again and spoke to XXXX who went back and forth with me concerning getting me over to online support and she transferred me to care credit instead. I called back and this time I believe I spoke to XXXX again. I gave her my name as requested and she got me over to a manager as I requested. I asked for a manager in an attempt to see if that would get me where I was trying to go since asking for online support wasn't working. I was transferred to XXXX who wanted to reverify me. I told her I was verified already. She said she didn't verify me and I told her that she wasn't going to verify me again. I was not going to play that game given how many people I had spoken to up that point and all I wanted to do was get to online support. I asked to speak to another manager because I was not going to argue with her and the XXXX hung up on me. I called back again I believe I got XXXX again. This time I did not provide my name until she transferred me to a manager. She came back to me after getting a manager and told me that she needed my name before she transferred me to a manager and I told her that I will give my name to the manager you are transferring me to because I should not have to keep verifying myself. She went back to the manager and the manager requested that I provide XXXX with my name before being transferred to her. I asked her for the name of the manager who was preventing the transfer. She asked me to hold while she checked back in with the manager. I also asked her for the address to the corporate office because with this much red tape to get assistance to access my account online this situation had gotten to be unbelievable. I was transferred to XXXX who identified herself as a manager and she was verify confused and had questionable listening skills and made everything we discussed more difficult than it needed to be. She tried to assist me with why I could not access my account online. The problem is that when I asked her questions she refused to answer me. I explained to her that she is not listening to me or answering my questions so I simply want to be transferred to on-line support. This is where she should of sent me in the first place. I did not need anything from her. She would not transfer me. I asked her to send me to the survey and she said she would but that XXXX hung up also. I am not able to access my account online. I do not receive a bill so the only way I can see my bill and pay on this card is by accessing online. Since I am unable to reach online support it doesn't look like i will be able to pay my bill going forward. I have had enough of your clueless, unprofessional customer service representatives. You need to address the phone etiquette of XXXX & XXXX who if they were managers haven't figured out yet what listening and customer service is. If you can not have a reputable manager in online support reach out and assist me with accessing my account, then close this account immediately. I also want you to refund me the late fee you should not of charged me. After this XXXX experience overall, I have no plans to call you concerning anything or do business with you anymore.
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| 02/09/2017 |
Yes |
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- Customer service / Customer relations
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Web |
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My name is XXXX and I writing this letter to complain about Synchrony Bank. I have a Sam 's Club credit card issued by Synchrony Bank. I only used it a few times and carried a small balance on it. I never got a paper nor electronic bill but in XXXX, I was able to log on and paid off that small balance. At the time, I was n't aware that the card had been deactivated but apparently, it had. Synchrony Bank informed me that they had deactivated the card because they had mailed me a new XXXX with a chip which I never got. I found out about this when I tried to use the card at Sam ; s Club to pay for a purchase. After many failed attempts and dealing with uncooperative, rude Synchrony Bank customer representatives, I was told that my card could not be reactivated because neither my home phone nor my cell phone met Sychrony Bank ' security requirements. Synchrony Bank rejected my cell phone because it is under my husband 's name. They rejected my home phone because it is internet-based. Please note that Synchrony Bank never told me in the past that I needed to have a land-line or a cell phone under my name in order to have an account with them. The first time I heard of this rule was when this problem with the card came up. I contacted Synchrony Bank 's headquarters and spoke to a consumer service representative who told me I had no choice but to fax my license so that they could verify my home address. Although I had never been subjected to this before and found the whole procedure irregular, I did. Twice. Every time, Synchrony Bank claimed the XXXX department could not read my license number because it was too dark. I have lived at the same address since XX/XX/XXXX. I 've had the same phone number since XX/XX/XXXX. I deal with other financial institutions using my home address, home and cell phone numbers with no problem. Synchriony Bank refused to accept my cell phone number because it is under my husband 's name. They rejected my home phone number because it is connected over the internet. I am feeling unjustly targeted and feel this is retaliation because I complained. I paid off this card in XX/XX/XXXX. I should be able to use it. I faxed my license twice and they claim they can not read it. I am a law-abiding citizen. My information is easily verifiable. Synchrony Bank never stated in their policies that I needed to have a phone registered to my name in order to maintain an account with them. Yet, they are denying me use of the card that I paid off because my cell phone is under my husband 's name? Because my home phone is connected through the internet? Is this legal? They asked me to fax my license and I did. Twice! It still did not give me use of my card. In fact, they have n't even offered to just send a new card. Nothing. I have other cards from other companies and whenever necessary, they contact me either on my cell phone or home phone. I have never been subjected to the kind of treatment I am receiving from Synchrony Bank and I demand to know why. I am being given the run around and, although I do have other active credit cards, I want to assert my rights to a fair and ethical treatment as I am entitled to. What they 're doing to me is wrong and they can not justify it. Not when I have maintained consistant, regular relationships with other financial institutions. As it stands now, I am still fighting to get use of my card back. The last time I heard from Synchrony Bank was the second week of XX/XX/XXXX in fact, when they left a message on my home phone informing me that they still could not read my license and asked that I fax it again, for the third time. That 's when I decided to contact you. Please help me resolve this matter.
Thank You for your attention to this matter.
XXXX
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| 01/05/2017 |
Yes |
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Web |
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From XXXX CT XXXX. Tel # XXXX Below is a summary of what is happening to me with Amazon.com I have an attorney and he will seek into this. My attorney has recommended that I first file a complaint on amazon services. I have been abused repeatedly by amazon in many ways. First off I was given this amazon store card with a {$6000.00} credit limit with no terms or conditions signed prior to being able to obtain transactions on the Amazon.com store card. That it is was issued to me on or about XXXX/XXXX/2016 through the Synchrony/Amazon bank that is located at XXXX Florida XXXX.
Amazon Head Quarters is Located at XXXX, Washington, XXXX The headquarters phone number is XXXX There other number is XXXX. I believe this really needs serious attention I am finding other abuse from them as well I am a XXXX and I do not lie I will have the vertical church of XXXX XXXX CT verify that I am real as it gets. And if you steel from me and my family I expect it back. There has been a chain of abuse going down the line coming to me I guess you call it Cyber Crime if you will. I went to download XXXX from XXXX I believe I was redirected to another web site other than what it was on. When I downloaded the XXXX, it had an Amazon banner ad on it and the download was in my downloads folder. When I went to install XXXX, I had received a warning message from my XXXX stating this program is infected with some amazon spyware. I then un installed the XXXX and I also deleted it from within the windows folders in the C : Hard Drive. This was reported to XXXX and they said you may have to redo the whole computer again. I said look I just had installed these windows and this is enough.
I also know this is not your problem to seek into although I have faced serious computer and server damages from these people. I have servers and within the firewalls is logs of banded IP addresses of attacks. There is about XXXX to XXXX XXXX addresses that begin with XXXX and these are amazon IP addresses I have looked them up myself why are these people victimizing me it is illegal and I am reporting this to the XXXX it 's out of control. Just as I have returned over {$2500.00} dollars in items as listed below I did not get any credited to my account except a $ XXXX-dollar credit to my account XXXX this is totally wrong can you please help me.
If there are any service fee 's you charge, please tell me I will pay them I want this to stop. I do not owe amazon XXXX XXXX dollars. I owe then {$2400.00} plus my prior balance that was {$330.00} dollars. I had XXXX prior purchases to these transactions XXXX was a surge protector on XXXX XXXX for {$630.00} its paid off and is not even in my resent orders. This was when I first received the amazon store card XXXX 2016. I have been paying them {$100.00} dollars a month for the past XXXX. I have receipts to prove it. Amazon has received over {$1100.00} dollars from me since XXXX 2016 to date. All transactions prior to XXXX 2016 were placed on other charge cards. All items since XXXX 2016. They were on the amazon store card. XXXX Transaction for {$790.00} on XXXX XXXX 2016 see enclosed. So, with {$790.00} plus the {$630.00} that leaves a total owed on the card of {$1400.00}. Plus, the {$1100.00} I paid on the balance since XXXX 2016. That would mean my balance owed as of date is {$330.00} Plus the {$2400.00} So, the real total I owe Amazon is {$2800.00} that 's is it I have returned all the items purchased in XXXX 85 % of them are listed below as returned although the bank Synchrony bank recording states I still owe a balance of close to XXXX XXXX dollars.
See remaining attached documents I am also not sure about the date of the surge item it Amazon is pushing dates forward. I had it over a year.
|
| 08/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have previously disputed my accounts with XXXX XXXX XXXX, XXXX, XXXX XXXX ( car loan ), XXXX, XXXX XXXX and XXXX XXXX indicating the creditors have consistently reported inaccurate information yet they have replied stating to the past disputes, the information is correct.
XXXX XXXX XXXX : to name of few of the inaccuracies : XXXX XXXX XXXX reported to XXXX XXXX and XXXX the account was charged off XX/XX/XXXX and reported to XXXX the account was charged of XX/XX/XXXX. XX/XX/XXXX the creditor reported to XXXX XXXX payment ok, XX/XX/XXXX the creditor reported to XXXX 30 days late, XX/XX/XXXX the creditor did not report to XXXX. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan.
XXXX : The creditor reported to XXXX XXXX and XXXX the account was charged off XX/XX/XXXX and in XXXX reported the account as a charge off to XXXX. How can this possibly be fair credit reporting. In addition, the creditor reported to XXXX XXXX the account 120 days past due XX/XX/XXXX through XX/XX/XXXX, the creditor then reported the account 180 days XX/XX/XXXX, then went back to reporting the account 150 days past due ... It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan.
XXXX XXXX : XX/XX/XXXX the creditor reported the account as being a charge off to XXXX XXXX, XX/XX/XXXX a charge off to XXXX, for XXXX it my credit files states the account is a charge off however it doesn't state when. XX/XX/XXXX the creditor reported the account late 60 days to XXXX XXXX, XX/XX/XXXX the creditor reported the account to be OK, XX/XX/XXXX reported to XXXX the account was late 60-89 days. How can the account be late to 2 and not late to the other. This is sloppy and unfair reporting. For XX/XX/XXXX, the creditor reported the same as they did in XXXX and reporting remained to be inconsistent.
XXXX XXXX : XXXX and XX/XX/XXXX the creditor reported the account to XXXX XXXX as a charge ; XXXX and XX/XX/XXXX is when the creditor reported the account to be a charge off to XXXX ; it was not until XX/XX/XXXX that the creditor reported the account as a charge off to XXXX. With regards to late reporting : XX/XX/XXXX the creditor reported the account as ok to XXXX XXXX, Good standing to XXXX and 30-59 days late to XXXX ; XX/XX/XXXX they reported 30 days late to XXXX XXXX, OK to XXXX and 60-89 days late to XXXX ; XX/XX/XXXX the creditor reported OK to XXXX XXXX and XXXX and 90-119 days late to XXXX ; XX/XX/XXXX the creditor reported OK to XXXX XXXX, 30 days late to XXXX and 120-149 days late to XXXX. This is very inconsistent and unfair reporting. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan.
Because of theses inconsistencies, I am requested all of the mentioned creditors remove their tradeline from all 3 of my credit files.
See attached spreadsheet for all of the inconsistencies.
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| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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XX/XX/2023 According to the Fair Credit Reporting Act, XXXX XXXX XXXX section XXXX states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isnt shared which is backed by XXXX XXXX XXXX which states It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. XXXX XXXX XXXX XXXX institutions by definition under that title. Pursuant to XXXX XXXX XXXX, ( XXXX ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX history is illegal. Per XXXX XXXX XXXX Permissible purposes of consumer reports -In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions authorizing the creditor to send my personal information to any credit bureau. The XXXX did not get my consent to add anything to my consumer report, which is a violation of the Fair Credit Reporting Act.
-P.L XXXX XXXX ( XXXX XXXX. XXXX ), states that any agency can only get my consumer report in response to a request by the head of a XXXX or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ).
XXXX XXXX XXXX section XXXX section XXXX states that In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX financial institutions and the XXXX reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ; Also XXXX XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that, XXXX XXXX XXXX ( a ) ( XXXX ) states, Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. These accounts are adverse items they are reporting again without my permission which is against the law. XXXX XXXX XXXX XXXX ( A ) ( XXXX ) states, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures.
Also XXXX XXXX XXXX states that A consumer XXXX exercise the right to opt out at any time.
I am opting out of your reporting services to XXXX, XXXX and XXXX.
XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
|
| 11/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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|
Web |
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The credit card company, Care Credit, has created schemes to fraudulently overcharge its customers with high interest rates and fees.
Care Credit is primarily used to pay medical bills. The company initially offers a plan with an APR interest, credit limit, late fee, and deferred interest due date. It appears to be a normal credit card at first. However, when the account is actually charged, the deal changes each time at the point of sale. A new deal is generated with a different interest rate and due date. At the point of sale, the customer can not see the new deal and is unaware of the changes.
Employees at medical offices charge Care Credit accounts without informing their patients about the new deal. The employees simply print out a receipt for the patient without an explanation. The medical staff unknowingly participate in Care Credits fraud. In turn, most customers are unaware that the deal has changed and eventually get caught up in significantly high interest charges.
Care Credit starts calculating interest at the point of sale. The company offers a deferred interest rate for a specific time then adds all the calculated interest to the customers monthly statement the second a charge is late. For example, whenever a charge is deferred for six months, Care Credit will bill for the full six months of interest, if the charge is not paid-in-full within six months. No matter how much money has been paid toward the initial charge. And, usually the interest is extremely high, around 29.99 %.
Care Credits fraud takes place each time the card is used. Care Credit changes the due date and interest rate for each deal at the point of sale to confuse its customers who are dealing with medical issues. Most people who use this card do not have law school degrees and are taken advantage of repeatedly.
Care Credit floods its customers with email schemes to entice its victims into charging more. When the card is not being used often, Care Credit repeatedly sends offers promising statement credits when large purchases are made. They have sent offers for chances to win a {$5000.00} Grand Prize with {$500.00} Weekly Winners and other Sweepstakes. Care Credit uses gambling tactics to lure their victims into spending more to Earn More Entries! Care Credit has never sent emails about the changes to their interest rates, due dates, etc.
Care Credits deceitful activities should be deemed illegal.
My own experience with Care Credit started at XXXX XXXX XXXX XXXX. The office manager described Care Credit as insurance and created an account for me on her computer. I could not see her computer screen nor what she was typing. She did not inform me of what she was reading or approving while she created my account. She simply wrote down my account number on a sticky note and said I had 24 months to pay off all charges. I knew nothing else about Care Credit nor its policies and XXXX DXXXX simply used my Care Credit account number that was stored on their computer each time I visited. I thought Care Credit was connected to XXXX XXXX somehow.
I recently was informed about Care Credits schemes. I called the company and, for the first time, was told that I had nearly {$700.00} of interest that had accumulated within 4 months during COVID-19. The {$700.00} interest was based on one {$2000.00} charge. I called the XXXX XXXX office manager and she insisted that every charge had 24 months deferred interest as she told me in the beginning. However, she was wrong and Care Credit has forced me to pay high interest.
The employees at medical offices are selling a product they know little about without fully disclosing the terms and conditions to their patients. Again, these activities should be illegal.
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| 03/24/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/XXXX, I used my Lowes Advantage Card to purchase Refrigerator # 1. This Refrigerator was damaged upon delivery and had to be returned. On XX/XX/XXXX, Lowes processed the Return ( XXXX ) for Refrigerator # 1. On XX/XX/XXXX, I purchased Refrigerator # 2. On XX/XX/XXXX, Refrigerator # 2 had to be serviced due to issues with the Icemaker. The Technician unable to repair Refrigerator # 2. Technician advised Lowes that Refrigerator # 2 needed to be Returned. On XX/XX/XXXX, Lowes did not Return Refrigerator # 2. On XX/XX/XXXX, I purchased Refrigerator # 3. Lowes billed the credit card as though Refrigerator # 3 was a separate transaction. Refrigerator # 3 was delivered before Refrigerator # 2 was returned. On XX/XX/XXXX, I received a late notice. I spoke with Lowes who said the account was past due as of XX/XX/XXXX. I asked how the account was past due since I purchased Refrigerator # 3 on XX/XX/XXXX? Lowes said that the account was past due for Refrigerator # 2. I asked how can the account be past due for a refrigerator that was returned? I no longer have Refrigerator # 2, so how can Lowes continue to bill me for Refrigerator # 2? Lowes noted the discrepancy, waived the late fee and escalated the matter for investigation. On XX/XX/XXXX, to protect the account, I made a {$100.00} payment for Refrigerator # 2. Note : A total of {$1200.00} had been paid towards the account. The 12 month promotional period began in XX/XX/XXXX. On XX/XX/XXXX, I visited Lowes XXXX, SC to inquire about the matter. I requested a refund of the money that had been paid to the account for Refrigerator # 2. I later discovered that the Manager refunded {$1600.00} to a Lowes In Store Merchandise Gift Card. I went back to the store and asked that Lowes refund the money that had been paid to the account for Refrigerator # 2 ( {$1200.00} ). I was told that I would receive a refund via check. However, in XX/XX/XXXX, I discovered that the money on the in store gift card ( {$1600.00} ) had been applied to the account for Refrigerator # 3. Lowes continued to show two refrigerators on the account. Refrigerator # 2 and Refrigerator # 3 are two SEPARATE TRANSACTIONS but Lowes/Synchrony Bank has and continues to bill these two transactions as a single transaction. Both transactions were created on two separate dates : Refrigerator # 2 XX/XX/XXXX and Refrigerator # 3 XX/XX/XXXX. Lowes failed to properly Return Refrigerator # 2, which resulted in the account showing two separate transactions/refrigerators. Lowes/Synchrony Bank applied the ( {$1200.00} ) to Refrigerator # 3 to ensure that Lowes/Synchrony Bank got their money . Apparently, both Lowes/ Synchrony Bank have reasoned that it was more beneficial for them from a business standpoint to apply the {$1200.00} toward the account for Refrigerator # 3 than to refund the money to the customer. As the adage goes, A bird in the hand, is better than two in the bush. I have been going back and forth with Lowes and Synchrony Bank since XX/XX/XXXX. On XX/XX/XXXX, I spoke with a Synchrony Bank Manager about this matter, who agreed to refund the {$1200.00} paid toward Refrigerator # 2. She confirmed my address and said that I would receive the refund soon. However, a few days later, I received the Letter dated XX/XX/XXXX, advising that Lowes determined that a refund is not due at this time. The Manager noted that I had previously requested a refund of the money paid towards Refrigerator # 2. I dont know what information Lowes used to make its determination. My credit report continues to show different balances. This discrepancy continues to affect my credit score. I have filed two disputes with credit reporting agencies. Both Lowes/Synchrony Bank continue to violate the UCC.
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| 12/15/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
|
On XX/XX/XXXX I placed order for pool light totalling {$56.00}. Shipping was free and I used a {$30.00} gift card at time of purchase making total {$26.00} left to be charged to XXXX XXXX/XXXX credit card. On XX/XX/XXXX I was charged {$26.00}. On XX/XX/XXXX I was emailed by XXXX saying they had a change in my credit report. Up until this time I had not received a bill and had made several other XXXX purchases Nd was not ONCE prompted on their site that I had a past balance due. For 19.5 years I have prided myself with exceptional credit history and for the simple fact I have Integrity I would have NEVER left a debt of {$26.00} to fall delinquent much less 30 + days late!! My credit score was in the 780+ if not XXXX only to be shocked down to XXXX over {$26.00}??? It is my belief that they purposefully practice deceptively in order to line their pockets. If that isn't enough.. When I IMMEDIATELY called after seconds of reading my credit report I questioned the validity of the charge as I opened the account with XXXX in XX/XX/XXXX, and didn't place an order for anything that would add up to {$53.00} 30 days late charge in XX/XX/XXXX. I respectfully asked the gentleman to tell me what. Charge was made and for what. I had a very hard time understanding him so I said the charge you're saying was made XX/XX/XXXX for XXXX and in XX/XX/XXXX you're saying I am 30 days late with {$53.00}? I respectfully asked the gentleman to transfer me to a native english speaker to which hastily he repeated he will repeat the information again. I asked what was purchased and he again read a string of letters and numbers. I said im not understanding what this purchase was muchless am I understanding how the 30 days late payment is adding up both in months and total money. They man quickly and in an accusing and derogatory tone said well first you say you didnt make the charge and now you are questioning timeline.. which is it? Either you made purchase or you didn't. I promptly replied Sir I beg your pardon that is NOT what I said. I asked againto speak with a native english representative to which hastily he repeated he will repeat the information Again and then if im not understanding we would go from there. I again asked the gentleman to transfer me to a native english speaker to which hastily he repeated he will repeat the information again. I said Sir by law you must transfer me. He said fine and said over 3 times not to hang up while he transferred call ... After few minutes the call was ended on his end. I'm not sure what happened. First the issue of WHY that card superseded my normal credit card I always used when I opened it in XXXX presumably to take advantage of promotion.. so HOW did it end up the " default '' card even AFTER I had made purchases with my usual credit card.. Initially I thought they added my - {$30.00} gift card to total sale for sale of billing and fees. It all adds up. There is a month gap before they caught their mistake if you will. I'm so distraught over this whole preposterous senierio. I disputed with XXXX 4 separate times providing the document I will here. I'm NOT understanding how this keeps falling in their favor all the while ruining, and running my credit score down to XXXX as of today. I haven't paid as I have continued to dispute their questionable practices. I am a woman of dignity who has no issue with paying my debt of {$26.00}. My credit is all but RUINED over what is clearly deceptive tactics .Oh and as stated in beginning.. no bill no WARNING NO NOTHING..until the day of my phone call ... 2 days later I certainly had a bill in the mail and it still makes no sense. Please if for no other reason I PRAY this keeps someone else from being a victim.
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| 10/07/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
Older American, Servicemember |
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My Father is a senior citizen, XXXX XXXX Veteran, and retired from the XXXX after 38 years. He is not internet savvy so I am filing this complaint on his behalf. His PayPal Smart Connect credit card account was hacked and PayPal is holding my Father responsible for the fraudulent charges.
XXXX of 2015 was the last time Dad had an accurate PayPal Smart Connect bill reflecting his accurate charges. Dad uses the card primarily to make his Medicare Part B quarterly payments. He received his XXXX 2015 PayPal statement with {$950.00} worth of unauthorized charges ( minus his {$310.00} Medicare Part B charge ). There were XXXX charges made in XXXX, XXXX and XXXX, XXXX .... all on the same day. My Father is an XXXX elderly man who has never been out of the United States and does not know anyone from a foreign country. The charges are obviously not consistent with his spending profile.
My Father called Pay Pal right away in XXXX to report the fraudulent charges and was told that PayPal would handle the matter. He received correspondence from PayPal confirming his report of the theft on XXXX XXXX, 2015. He was told the issue may take up to XXXX billing cycles to be resolved, and that a new card with a new account number would be issued to him. Dad wisely never used the new card for new purchases, but continued to make payment on the account while the matter was being investigated.
His XXXX 2015 bill revealed XXXX MORE fraudulent charges all coming from XXXX, XXXX and XXXX, XXXX. ALL ASSESSED ON THE SAME DAY! On XXXX XXXX, 2015 Dad received a Fraud Investigation Form which he filled out and returned to PayPal via fax. Synchrony Bank sent my Dad a letter dated XXXX XXXX, 2015 informing him that they are servicing the account, received the completed Fraud Investigation Form and that they are investigating the matter. Dad 's XXXX 2015 PayPal statement indicated a Balance Transfer of {$2200.00}. which was the closing balance from the previous month, and no other activity.
Dad 's XXXX 2015 PayPal statement shows the SAME balance with the fraudulent charges - minus the {$100.00} payments he had been making on the account each month. He received a letter dated XXXX XXXX, 2015 stating that " customer benefited from use of card/participated in the purchases '' and that he would be held liable for the fraudulent charges. My Father was livid by this time and called PayPal. The representative confirmed that Dad was being held liable for those charges. Dad was so angry he cancelled the card and closed the account. I learned of this matter a few days ago and immediately requested that my Father over-night mail all supporting documents to me, which I have scanned and uploaded and I am attaching to this complaint.
That PayPal would find fraudulent overseas charges to be the fault of my Father who is an elderly XXXX man that has never been out of the United States and does n't know anyone overseas is beyond belief or comprehension. The charges are totally inconsistent with my Father 's spending profile ( and he has had that card for several years so PayPal knows what my Dad uses that card for ). My Father rarely makes purchases online and only does so through his XXXX account. He has bad knees, can barely walk and takes medicine. He is so old-fashioned that he still goes to the bank to buy money orders to pay his bills, which he mails in through the post-office. He uses the PayPal charges to manage his quarterly premium which are so expensive, it 's easier for him to charge them and pay-off monthly rather than a lump quarterly sum. The fraudulent charges are totally consistent with identity theft and Pay Pal is tacking on interest rates and making my Father pay for all of this mess.
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| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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Dear CFPB, Synchrony Bank On XX/XX/XXXX I placed a complaint on file regarding a retail store credit card with Synchrony Bank/Rooms To Go and the issue is still not resolved but has escalated into a bigger issue.
On XX/XX/XXXX my Rooms To Go account with Synchrony Bank was closed and reporting closed by the creditor ; stating the there were a number of dishonored payments on this account with a reporting status on my credit reports as closed/never late, a balance of {$1800.00} a High balance of {$5600.00}, a monthly payment of {$270.00} and has placed a late fee charge of {$41.00} dollars an additional outside other late fee charges made on XX/XX/XXXX the billing due date payment of {$260.00} mentioned in the original complaint # XXXX while In litigation regarding Synchrony Bank/Rooms To Go that also created a negative status with my bank institution with XXXX XXXX XXXX XXXX from a returned check fee of {$29.00}. They are also reporting inaccurately on my Synchrony account statements ending # XXXX a payment due of {$540.00} expecting XX/XX/XXXX after closing the account. Credit reports with XXXX XXXX, XXXX, and XXXX are inaccurate. ( See Attachment ) According to the Synchrony Disclosure they are not to request any payment due while going through any dispute process as it relates to any interest fees, or late fees, or any additional charges that are inaccurate on the Synchrony account they are not to charge me or expect any payment from me until the dispute is resolved with a resolution.
The complaint # XXXX with CFPB on XX/XX/XXXX regarding late fees, and inaccurate information reporting to the credit bureaus XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and any other credit reporting agencies I was made aware was the initial problem I was having.
Secondly, I requested a resolution to the issues to have the Creditor restore the credit limit I was approved for of {$6400.00} dollars and to report positively to the Credit Bureau which was the only part of the resolution applied.
The remainder of the resolution was to have all negative late fees restore back to my linked bank account with XXXX XXXX XXXX XXXX ending in # XXXX that was charged to my account on XX/XX/XXXX of {$41.00} ; XX/XX/XXXX of {$41.00} ; and XX/XX/XXXX of {$41.00} dollars totaling {$120.00} dollars.
I also requested for Synchrony Bank/ Rooms To Go to clear the balance of {$1500.00} which they now have set the balance as {$1800.00} reporting to all the mentioned credit agencies in this complaint and the whole total statement balance {$1800.00} to be cleared and reporting paid on my account.
I have never been late and my monthly payment in the legal contract after financing approval was only for {$220.00} and not {$270.00}.
NOW, if Synchrony Bank is going to closed my account and not return any of the late fee charges they have illegally charged me for as well as the returned check fee that they were responsible for me XXXX XXXX account charging me for of {$29.00}, then I request for them to correct the status of my statement payments owed and statement balance of the {$1800.00} and update all the credit bureaus of the Credit Status, Balance, and Monthly payment reporting the current and most accurate information.
THEREFORE, there needs to be a further and new investigation reviewed on my behalf and treated fairly against the banks, lenders, as well as financial institutions and sent to Headquarters & Communication Department, Texas Regulations Department of Credit & Retail Cards. On behalf of the discrimination of human rights under the American Disability Act and CFPB it is in the best interest for my rights to be protected.
IT IS ORDERED.
|
| 06/16/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
There were so many issues with these cards from the very beginning and Ill do my best to itemize them out so they make sense : 1. I applied for a credit purchase for an XXXXXXXX XXXX XXXX during the XXXX XXXX XXXX XXXX with Mattress Firm on XX/XX/XXXX. I worked with XXXX XXXX ( XXXX ) who confirmed the chair would be delivered in a few weeks to the address provided. XXXX confirmed payments for the chair would not happen until delivery of the chair was confirmed.
2. XX/XX/XXXX, I received a letter in the mail that I was denied credit for the purchase and would not receive anything.
3. Around 2 weeks later ( XX/XX/XXXX or so ), 2 separate Mattress Firm cards were delivered to my home, one ending in XXXX, & the other ending in XXXX, both for the same XXXX XXXX XXXX. I registered my account and set them both on autopay.
4. After registering my account through the Synchrony portal, I saw the cards were somehow already over their limit, which immediately negatively impacted my credit. XXXX was approved for {$4000.00}, however the account showed a balance of {$4500.00}. XXXX was approved for {$5000.00}, however the account showed a balance of {$5300.00}. I called and the representative told me there was nothing she could do and to reach out to Mattress Firm directly. I called XXXX, who I made the purchase through, with no response.
5. After a failed delivery attempt on XX/XX/XXXX, the chair was not delivered until the beginning of XXXX. My 1st payment was due XX/XX/XXXX for XXXX & XX/XX/XXXX for XXXX. I submitted my payment for XXXX for {$110.00}, and for XXXX the entire amount of the card was debited from my account = {$4200.00} on XXXX XXXX, XXXX. I called and the rep transferred me to a " manager '' who offered me a check for the full amount and assured me the debits will not continue. She confirmed there was an error in their system where autopay 's were defaulting to fully charged amounts. She apologized and offered to send me a check for the full amount. In fact, shortly after my 1st payment and the mistaken charged off payment Synchrony closed my 2 accounts on XX/XX/XXXX, with no explanation.
6. The check arrived and since the debit deleted, I didn't deposit it. However, over the next few months, my account continued to randomly go negative for the {$4200.00} amount and I called at least multiple times requesting resolution to this situation. I called at least 7x and was immediately disconnected. I called back and was unable to get to a manager as they allegedly are unable to provide direct numbers. I didn't want to make payments on the account when they were continuing to debit my account for fear of overpaying. Plus the account had been closed, so I honestly didn't know what to do as none of my concerns were addressed and my credit was continuing to be affected ; not only by the overcharged accounts, but now for missed payments, late fees and interest.
7. In XXXX, I called and spoke to a lady who was finally helpful and confirmed with all the issues she would dispute the affects to my credit and would ensure they were fixed. This way I can make normal payments. No such update has been made on my credit.
8. I also had a JC Penny card XXXX through Synchrony with perfect payment history which was closed on the same day for no reason. They are not associated in anyway and I asked for resolution of this as well, no assistance was received.
9. I have called Synchrony at least 30x since XXXX XXXX- XX/XX/XXXX trying to maneuver their systems to get to someone who can assist and they all either disconnect the call, forcing me to endure all the prompts all over again, or they say they will send me to a manager who tells me they are unable to assist me.
|
| 01/22/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I am disputing both charge on my CareCredit card rmade at XXXX for a disputed amount of {$2200.00}. CareCredit offers their card through a specific network of providers, one of which ( XXXX ) has conducted false and misleading advertising causing me to do engage in a transaction that I would have otherwise not done so. Therefore, their association of third party account has damaged me financially.
The provider has NOT offered a fully refund to resolve this dispute.
The charges in question are 2 XXXX ( XX/XX/2018 ) and 2 XXXX (XX/XX/2018 ) for {$750.00} each plus a 25 % discount. = total amount paid is {$2200.00}.
I sought for XXXX treatment for my XXXX XXXX and XXXX XXXX at XXXX. XXXX advertises XXXX as guaranteed XXXX XXXX.
On their website on the day of the treatment, the website specifically said : With Each XXXX session comes a 20 % reduction in XXXX XXXX. And all this happens in less than 60 minutes. Amazing, right?
Since they have realized this was false advertising and they have since removed that statistic. THIS ADMITS THEY KNEW THEY WERE FALSE ADVERTISING and I have been financially damaged as a result.
Note, there is no * to show any possible additional disclosures of this 20 % claim on their website. This claim is what is exactly listed on the site and was repeated several times during my consult and also during both sessions. It is the expectation of the service that I entered into a contract for.
Even though treatment was rendered, I did not experience 20 % reduction in XXXX in any of those areas. In fact, there was no result at all. No change. XXXX has photos on file that they can provide that support this as well. A third party, who would look at pictures would say the same thing.
XXXX said that additional XXXX would not work on me and therefore did not offer additional XXXX to remedy the problem. In the email attached, they wrote It is also recommended by our medical team to not retreat the area as they feel it may not render a beneficial outcome. They offered a store credit for their other services instead. However, I do not need, nor want, their other services, like XXXX or XXXX XXXX or XXXX XXXX. Those other services should not be forced onto me ethically.
As explained to them, store credit is not an acceptable solution. Only a full refund back on my CareCredit card is the only acceptable solution to me. To hold my money ransom in exchange for a store credit, for services, I do not need, nor did I sign up for, is not acceptable. I went in for a particular purpose, with a guaranteed advertised result and they are offering me store credit for other services. No reasonable person would deem this ethically acceptable or responsible.
WHAT THEY PUT ON THEIR WEBSITE IS FALSE ADVERTISING. They are taking advantage of customers in unfair, deceptive and abusive ways. This is a UDAAP violation and has caused me significant financial injury and distress. In addition, this is not an ethical way for XXXX to conduct business.
Even though it is their company policy to not refund, I only signed the contract due to their advertising and expected result on their website. I would not have entered into a contract otherwise.
It is not an ethical business practice for a company to 1 ) falsely advertise a guaranteed result 2 ) admit that result was not 20 % 3 ) admit that re-treating would have no impact AND 4 ) bait and switch to hold onto a customers money, for a store credit they dont need for other services of no interest or need.
It is unfair, unjust and unethical.
I hope that CareCredit can see this abuse and instead choose to be an advocate and champion of the customer, to protect them from this sort of false advertising and abuse.
|
| 02/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX, I opened an account at XXXX at the XXXX in XXXX XXXX, XXXX, and purchased a {$7000.00} diamond ring and earring set. While it is true that I was informed at that time that in order to qualify for the ring, I would have to apply for and receive a jewelry loan from GE Capital Bank, doing business as " Synchrony Bank, '' located at XXXX. XXXX XXXX, XXXX, XXXX XXXX, with online presence at XXXX and although I did receive said loan and was informed that I would have monthly payments to make in regard to this purchase, XXXX to XXXX and XXXX to Synchrony Bank , certain events have transpired which have forced me to recognize the necessity to protest and to report very questionable and illicit business practices on the part of Synchrony Bank : 1 ) One of the sales representatives at XXXX XXXX, XXXX XXXX XXXX , advised me at the time of purchase that my monthly bill for XXXX XXXX would be {$320.00}, and after conferring with Synchrony Bank in a telephone call made from the store to which I was not directly privy, XXXX informed me at that time that a monthly payment of " {$30.00}, or maybe {$40.00} if you want to get ahead and pay it off more quickly '' would adequately satisfy my obligations to Synchrony Bank . I was given the address for both XXXX and Synchrony Bank, and was given the options of either mailing separate monthly payments, in the amounts of {$320.00} and {$40.00} to XXXX and Synchrony Bank, respectively, or that of paying on both accounts every month at XXXX in person.
Since that time, I have without fail made monthly and timely in-person payments on both accounts, in-person at XXXX, according to the timetables for the respective accounts specified by XXXX at the time of purchase ; 2 ) In XXXX XXXX, I was contacted by a representative from Synchrony Bank, RE : Synchrony Account No. XXXX, and advised that I was in arrears due to insufficient monthly payment, to the tune of $ XXXX.I advised the collections representative at Synchrony Bank that I was advised by XXXX XXXX sales representative XXXX XXXX that my minimum monthly payment was $ XXXX {$40.00} ; the collections representative from Synchrony, despite verbal confirmation I received from Brown subsequently, insisted that my minimum monthly payment was {$68.00} all along.
Though greatly disturbed by Synchrony Bank 's bait-and-switch tactics, I overpaid {$200.00} in response to Synchrony 's demand for {$110.00} to allegedly bring my account " current, '' and have paid Synchrony {$70.00} by the first of every month via hand delivery at XXXX every month since without fail ; 3 ) On Monday, XXXX XXXX, XXXX I received yet another hostile series of aggressive collection calls from a call center representative from Synchrony Bank, alleging roughly {$110.00} in late charges accruing from a supposedly tardy payment for XX/XX/XXXX. I verified through my Credit Union payment of my XXXX XXXX bill with Synchrony, and even offered the collections agent from Synchrony Bank Routing No. XXXX, Sequence XXXX. XXXX, Account XXXX, Check XXXX, cashed on XXXX XXXX, XXXX in Batch XXXX, XXXX days prior to due date XXXX XXXX, XXXX to establish timely payment, but the collector was intractable in her inaccurate position. I paid {$120.00} to settle the matter, but advised Synchrony at that time that I would seek investigation by responsible and appropriate parties into their very shoddy, opaque, and dubious business practices.
While I realize clearly that third-party lenders such as Synchrony Bank make their bread and butter on the hardly golden " XXXX '' applied to outstanding balances, fair trade law prohibits the type of deliberately fraudulent and usurious practices in which Synchrony routinely engages.
|
| 10/16/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
On XX/XX/17 I bought XXXX in building products that I was supposed to pick up from Lowes. My contractor quit on me and I was unable to pick up as he was going to. I then got sick and put of the basement project. I had some of the products but I figured I had 0 % interest and I would just keep making payments and when I was ready I would pick it up. I never received a phone call saying that I had to pick up the Items. When I had bought the items there was some stuff that I knew I didn't need right away and they said that was ok I could get them later.
Back at the beginning of the summer I called Lowe 's about the account and they said the didn't have it on their system but if I could call the credit company and get the invoice they would look up the paper copy. Since all items hadn't been picked up they would still have the copy.
When I called back with the invoice number they said they told me to call the credit card number and I told them I did and reminded me that they asked for the invoice number. The clerk told me that they didn't have a paper copy that they had closed it out. I told them that I hadn't gotten everything, which I am not sure what I got. They said it was an accident that someone should have called me before they closed it out. There policy was to call the customer to ensure they have picked everything up.
They again said to call the credit company and get an printout of what I bought. The credit company said they didn't have a copy of the invoice of what I bought, only the bill. I disputed the charge because A. Lowes shouldn't have closed it out because I didn't get everything. B.I am not sure what I still have out there since my contractor quit.
They said they would investigate the dispute. I asked about the interest because it had to be paid off by XXXX billing and if it wasn't I would be charged interest. They said don't worry about it because it was all in dispute. Well it was still in dispute when XXXX came and they charged me the interest then A few weeks after that I received a letter from the credit card company that said because of the time Lowes no longer had records. That was my very dispute, Lowe 's was supposed to keep records because I didn't have everything.
I feel like Lowes was irresponsible in their record keeping. I know I work in banking and our company has to keep records for several years. Why don't the credit card companies and lowe 's when they sell something on credit cards.
I feel as if I shouldn't have to pay because I can't go through and see what I did receive and I definitely shouldn't have to pay interest because I was told not to pay off my card to avoid interest because it was in dispute. When I called XXXX XXXX after I got the interest she said they added it because my time was up and once we got the dispute, which she saw then I could settle up.
I was told by the card company to take it up with Lowe 's that I could not give a rebuttal because, basically, as far as they are concerned the dispute is closed. XXXX 's isn't taking any responsibility for it so I am writing to you. I do not have the bill anymore because there was a flood in my basement that destroyed many things including the bill.
It is very nice for Lowes to close out after three months. They had to have known that everything wasn't picked up and closed it out which is quite beneficial to them. Is there not a requirement for them and record retention or the credit card companies and record retention? This is a perfect example of Caveat Emptor, let the buyer beware.
I have included the only thing I received from the credit company which is my bill but not a breakdown. I have never gotten a list of what I have bought.
|
| 06/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
To CFPB, - Started from XX/XX/XXXX, the account of the credit card I have from Paypal had been hacked, a bunch of unauthorized transactions were made at another state, not where I leave, to the amount of close to {$17000.00}, and Paypal let those transactions went through ( I use Paypal credit card for surrounding 10 years, and never spend even close to {$2000.00} every month ) withouTot noticing me at all, until close to the month later, they sent me a notice about those transactions and asked me if I was the one to made them. I was stunned, contacted them right away, worked with them in every transaction that not belong to me. They made the notes on them, and told me they will open a fraud investigation on this circumstance. Also, I asked them to close the account since it was hacked, they said they will close and sent me the notice for that. I felt better so nobody can not use my name to make the fraud in my account anymore.
- They subtracted some transactions, I waited for them some months according to their words that would take 30 to 90 days to investigate.
- Then I received the new bill with the wrong amount ( {$3200.00} ). I called them again, worked with them again, then waited for the investigation again.
- I just have been waiting for the correction. They said they will send me the letter for the result. Then I received the letter to ask me if I made any change on my address, if not, I should contact them immediately. I did that, told them I have not touched my account since the problem from XX/XX/XXXX. And I thought they had already closed my account. I told them so clearly that I have not used Paypal since XX/XX/XXXX, and still have waited for the correction.
- Time passed, if I have not called them to ask for a result, so I have not received the answer. Several months passed, while I have still waiting for the correction, every month, I have received their monthly bills with different amounts, including new charges, while I still have not used their card. Then I had to call them for that matter, and again, they asked me if I was the one to make the purchase recently. from XX/XX/XXXX to XX/XX/XXXX? I was surprise while the mistakes were constantly being repeated. Of course they were not made by me since I am still waiting for the correction of the fraud in XX/XX/XXXX.
- Then after that, XXXX XXXX, I received the letter from them to tell me after the investigation, they found out an incorrect balance, and will credit back to me {$25.00}. I think that is legitimate. Agree with that, and ask them to take off my account if they are still not close yet, they agree with me, and I have also the proof for that.
- Then I have not received my credit, nor do they still keep my account remaining. And sent me the new bill in XX/XX/XXXX, with the amount of {$5.00}. I again, was shocked. I first did not want to pay, and straightened out with them again, but I am so tired for many months keep calling them backward forward to ask for the right solution. Every time, I had to spend some hours talking to different people before I could get to the right person, continue to explain what was the problem, and just ask for the right answer. So I decided this time, will make this payment with the check, so I will have the proof to show you the puzzle and unclear ways they treat the customers.
- Exactly like I guest, this month, XXXX, I received the new bill with the amount {$300.00} on that ( even I have not used a Paypal credit card anymore since the fraud on XX/XX/XXXX ).
- I do not think they will make the right solution. So I will need your help with this. Please give the consumer fair and right treatment.
-I would very much appreciate your help.
|
| 10/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I called in on XX/XX/XXXX at XXXX pm and spoke with representative from disputes department and then to the manager on duty XXXX # XXXX? ) about the 3 dispute letters Ive sent them ( all 3 were sent certified/priority signature confirmation so I know they received them ) regarding how they are in violation of federal law and the FCRA ( section 609 ) about reporting these accounts without providing me with the original signed contract at my request. The manager told me ( on XX/XX/XXXX ) they never even asked and requested the original contract for either of my 2 accounts meaning they never even read my dispute letters! They are clearly in violation and STILL refuse to delete my 2 accounts. This is complete negligence on XXXX XXXX behalf and I fully intend on suing them if they wont delete these 2 accounts after this 4th dispute letter Im sending them today!
It has now been over 40 days since XXXX received and signed for my FIRST dispute YET are not complying with the federal law and the FCRA on having a original signed contract on file to show at the consumers ( me ) request. The only thing theyve sent me is round-about answers saying its verified and a copy of a COPY of a statement that was supposedly mine from XX/XX/XXXX and an address I never lived at! Thus, since they cant comply with my request they should in return delete these 2 accounts once again in compliance with the federal law!
Also, have been lied too from XXXX XXXX XXXX because, I sent my dispute to XXXX and they sent me replys from a po box in XXXX and when I asked why, the representative I talked too said they come from XXXX, XXXX yet Im receiving correspondence from them supposedly in XXXX, something isnt adding up!!
The 2 original creditors for these 2 collection accounts arent even on my credit report to begin with! ( I sent them a copy of my last report in the 4th dispute ) so how can portfolio continue on reporting these 2 unverified accounts when the original creditor that they apparently bought these accounts from still being reported???
Nothing ever adds up with this so-called collection company and I have been trying for months and months now to get answers but am constantly blown off, laughed at, and left even more confused on the status of my 2 disputed accounts after talking on the phone with these people? How is that possible?
I have no been dealing with this company for years! Being harassed by them and dealing with there unwillingness to ever comply with me the consumer, its absolutely ridiculous! They only comply if its in there interest but as a consumer and my right of requesting documentation under the federal law and FCRA they refuse to comply by deleting my 2 accounts that they dont have proper verification for ( original signed contract ).
I have never filed a complaint wth the BBB and CFPB before but I will make sure I go out of my way in seeking litigation against this company for there malpractices and inappropriate willingness to comply with a consumer.
I am tired of sitting back and being laughed at by this company when asking them for a simple demand of either providing me with my original signed contract or if they cant provide it ( which clearly they cant ) then delete these 2 collection accounts and I wont have to take this to Court!
I am now sending out my FOURTH dispute letter today ( XX/XX/XXXX via XXXX priority signature confirmation #? ) and if we cant get this dispute and matter resolved by having portfolio deleting this 2 unverified accounts to ALL THREE credit bureaus then I fully intend of filing a lawsuit for in-compliance on there part.
XXXX has taken my simple consumer right that I have and turned it into a nightmare!
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I am writing to report a creditor, Synchrony Bank, for violating the special credit card provisions of the Coronavirus Aid, Relief and Economic Security Act ( CARES Act ), which was signed into law by President Trump in response to the Covid-19 pandemic. Due to this mandate, creditors were directed to refrain from reporting negative/late payment entries on consumers credit reports. I am requesting that you remove the three late payment entries ( 30, 60 and 90-day late ) that Synchrony Bank included on my credit profile.
For several months, I had been in dispute status regarding the balance on this credit card account, which I had opened at a dental office through Care Credit because the dentist had charged me for dental services never rendered. [ It should be noted that after a yea-long investigation by the California XXXX XXXX, the dentist finally partially refunded me for these fraudulent charges by personally mailing me a check ]. I was told by a Synchrony Bank representative that since the account was in dispute status, no payment needed to made on the credit card.
Sometime in XXXX or XX/XX/2020, I was contacted by a collection agency regarding the account. When I explained to the collection agency about the dispute status, they indicated they were closing interest in the matter and told me to call Synchrony Bank. I did so and spoke to a male representative who asked if I wanted to make a settlement payment. I explained to him that I did not for two reasons, one- the charges were fraudulent as they were for dental services never rendered and two- I was having financial difficulty since my husband 's work contracts and income had been drastically reduced due to Covid-19. The representative indicated he would submit the information to another department because I should be eligible for a lower settlement amount due to my family 's financial hardship. I told him in the meanwhile, I could make payments of {$20.00} per month until the issue was resolved.
In XX/XX/2020, I checked my credit report and was shocked to see that Synchrony Bank had reported three 30 day late payment entries to my account for XX/XX/2020, XX/XX/2020, and XX/XX/2020. I immediately called Synchrony Bank and reminded them of the agreement just made regarding the reduced payments. I also reminded them of the mandate signed by President Trump. The representative assured me that the late notices would be removed. She stated they would send a letter to the credit bureaus and that it may take up to 30 days for the removals to be reflected on my credit report.
I asked the representative to also send me a copy of the letter which they were sending to the credit bureaus. She agreed and stated I should receive the letter within 10 business days.
I never received a letter, so I contacted Synchrony Bank to inquire. The representative then indicated that the late payment notices could not be removed because they were accurate. At that same time, I checked my credit report and saw that Synchrony Bank had changed the late payment dates from XXXX through XX/XX/2020 to reflect late payments from XX/XX/2020, XX/XX/2020, and XX/XX/2020. This is not accurate. When I contacted Synchrony Bank, they refused to answer my questions regarding the late payments date changes and their removal.
This blatant disrespect and disregard for my financial and credit rights has been devastating especially while enduring the effects of a pandemic. II have had excellent credit over the past 25 years as I have paid my bills on time. To see my credit score drop so drastically low for circumstances beyond my control has caused tremendous stress. Please remove these late payment entries immediately.
|
| 05/14/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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I was solicited at the cash register and advised by Sam 's Club Master Card, I was pre-approved for a Master Card after making an in-store purchase using another one of my other Master Cards, sometime around the end of XX/XX/XXXX and the beginning of XX/XX/2023. I received the Sam 's Club Master card and activated the card. I am a XXXX XXXX, during my first attempt to use the Sam 's Club Master Card via XXXX website to purchase a drone for commercial use, the card was declined. I called and went through the verification process. I was, cleared after verifying, I am the actual person making the online purchase. On XX/XX/2023, I used my Sam 's Club Master Card in the amount of {$200.00} and On XX/XX/2023 I used my Sam 's Club Master Card in the amount of {$280.00}. On Sunday XX/XX/2023, I made an attempt to use my Sam 's Master Card and my purchase was declined. I received an email advising me, " Synchrony Bank needs to validate your identity. '' I went through Synchrony Bank 's verification process, that included, scanning the front and back of my driver 's license, allowing Synchrony Bank to allow access to my cell phone and scan my face, imputing my information : Name, phone number including my social security number into their system via a link that was sent to my cell phone. After multiple verification attempts, I was advised by multiple representatives and a Supervisor, my information could not be verified and I would receive a letter in the mail advising me to provide additional information. Instead of receiving a letter in the mail, requesting additional information from me, I received a, " Digital Letter for your Sam 's Club Mastercard, '' email. Please see the letter attached to this complaint. " SYNCHRONY BANK Fraud Department, '' requested that I send the following to them via mail, hard copy : Per a recent phone conversation with you, we are writing to request additional information to confirm your identity and to protect against unauthorized use. Your account may be restricted from further use until we receive a copy of your valid driver 's license or government issued ID and one of the following documents : A copy of a current utility bill ( electric, water, natural gas or home telephone provider statement ) showing your current address ( For business accounts : Utility bill must include business name and address ) A copy of a bank statement showing your current address ( For business accounts : Statement must include business name and address ) A copy of a current rental agreement showing your current address OR a current mortgage document showing your current address ( For business accounts : Rental or Mortgage agreement must include business name and address ).
I have been embarred and humiliated. Sam 's Club Mastercard/Synchrony Bank 's request seem sketchy and dishonest. I feel like I have been unfairly targeted and mistreated. Additionally, I currently have a Care Credit Mastercard with Synchrony Bank, I was approved to cover the expense for my pet 's XXXX not too long ago.
I feel like this is an attempt for someone within Sam 's Club to access my personal identify information for their own personal gain. My mortgage company, utility bill, bank statement and another copy of my driver 's license information is irrelevant and not a need to know especially after I was solicited by Sam 's Club and Synchrony Bank and because I am already a card holder in good standing with Synchrony Bank. In fact, I recently made a payment on my Care Credit credit card with Synchrony Bank last week. I will not be providing my mortgage documentation, utility bill, driver 's license and bank statement to Sam 's Club and Synchrony Bank.
|
| 06/30/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Tuesday, XX/XX/XXXX at XXXX XXXX. I received an missed call with VM>Text message.
Claim : An alleged Court Processor call my mobile number and left a message to call a law firm with a very sensitive matter. The Law Firm alleges that I owe a debt from GE Money back from XXXX. The amount owed is {$910.00}, but now with interest the total amount is {$1000.00}. I was THREATENED with a civil lawsuit, with ( get this ) 3 counts of criminal activity. The following counts are : Breach of contract, malicious intent, and fraud. Also, I received calls of concern from, not one, but THREE of my family members because this same individual ( s ) called them TODAY regarding the same civil lawsuit/debt. This firm gave out my name, ( last 4 # ) of my SSN and DOB and alleged debt information.
XXXX XXXX XXXX. Received a VM- text message ( copied and paste ) as follows : XXXX Depositing new message This is an urgent message intended for risk XXXX XXXX My name is XXXX XXXX. I'm contacting you to discuss the matter that's been forwarded to my office for consideration of legal action. This includes filing of the lawsuit, as well as complaints with the court to discuss the pending actions that may be filed against you. You will need to contact the firm that is directly handling your file. That office number is XXXX XXXX. These reference your file # XXXX. And ask to speak to a claims administrator. This is a time sensitive issue. If they do not receive a response immediately, they may be forced to proceed without your participation. Again, that number is XXXX XXXX. File number is XXXX. Thank you.. Click here : XXXX to listen to full voice message.
XX/XX/XXXX, at XXXX XXXX. I proceeded to call back the original number XXXX, 3 times. Each time, the call goes straight to VM, with the following ( paraphrasing ) message : Youve reached XXXX XXXX, were either on the phone with another client, or you have reached us after hours. - Mail box is full. I searched the company name and number online and found no such company exists.
XX/XX/XXXX at XXXX XXXX. I call XXXX as instructed by VM/Text. Spoke to XXXX and he asked for my case number # XXXX. He asked me to verify my last 4 digits of SSN and DOB, I refused and said assume its me, because I dont know what this is about. He said he is with a law firm and that I was the defendant. He continued ( see above ) that this was regarding GE Money, and the amount owed with interest. I HAD to ask him the actual date of said debt. He says XXXX, with little or no information about this debt collection ( I do not have this debt or it has never existed to my knowledge ). Just that he is going to sue me with 3 counts in a civil lawsuit.
I asked for the law firms name along with the address. He spelled out the name of the firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA ( he did not provide the zip code when asked ).
Not only did this individual contact me, he called my husband, my mother and my sister. He spoke with my sister and gave her detailed information about the debt and why he was calling to collect. He threatened that he was going to serve me if she didn't give him my information or have me contact him.
I searched both telephone numbers, ( XXXX, and XXXX XXXX ), the law firm by name, by address and the XXXX, XXXX XXXX, processor in XXXX XXXX XXXX XXXX FL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA. Neither party was located on the internet.
XXXX horribly pronunciation of XXXX ( XXXX ) county he said where the case is filed in [ County ] Court. I researched XXXX XXXX court records and found no such filing. In fact, I lived in XXXX XXXX in XXXX, when the alleged debt occured.
|
| 02/28/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
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On XXXX my spouse and I went to Ashley Furniture to shop for some furniture, because we had just moved from Florida with my XXXX XXXX XXXX XXXX and had no furniture in our home. We purchased some furniture and used my, XXXX XXXX, Synchrony Bank credit card. We were very rushed through the process and signed documents that were not explained to us. When we got home we read over the documents and then on XXXX called Ashley 's of XXXX Indiana to get a clear delivery date because we could not live without furniture in our home. We were told that we would have to call back and speak with the manager XXXX XXXX. We were asked when she would be available and they stated try tomorrow which we did. We called on XXXX and asked for the manager, we were told that she was not available, we stated that we needed to cancel our order XXXX, because we were not provided a delivery date. We were told that there are no confirmed delivery dates and that we would have to speak with the manager. As you can see from the attached phone records we tried many times to contact the manager and also left several messages that we needed to cancel our order because we could not just wait for furniture to be delivered whenever. Also My first contract for furniture that I signed was for {$5200.00} and the final bill came in and was {$7000.00}. When I questioned the difference I was told that my spouse went in and ordered another sofa, but there should not have been anyone that can make a purchase on this account since I am the sole account holder and I am not sure why this would have happened. I called the store on XXXX and was again told that the manager was not available, but they put the salesperson on the phone. I explained to him that I was being billed for an order that we had canceled and why was there an additional purchase by an unauthorized user allowed to happen. The salesperson stated that he could not cancel the order and that I would have to speak with the manager. I explained that XXXX have tried to call and get the manager on several occasions with no avail. We finally sent certified letters to the store manager and the owner of the store via certified letter. So I contacted Synchrony Bank to dispute the charge on my card for items that we had canceled. The representative at the bank asked if we had canceled the items and I explained that we called the store on many occasions to cancel. I sent them several documents and they eventually sent me a letter from Ashley 's furniture that stated please do not reverse charges so they did not find the dispute in my favor. Ashley 's has stated that they have contacted us on many of occasions to deliver but we printed out phone records that does not substantiate the calls. It has now been over XXXX year and there still has been no delivery of furniture though I am currently being billed by Synchrony bank for {$7000.00}. I have included several documents. Also please be aware that there are initials on documents that are not mine. I am also including in the second documents the contract that I was sent home with that has no initials and a copy of my billing from Synchrony bank. I am also adding a letter from the Indiana Attorney Generals Office that tried to mediate for me with Ashley 's furniture and they stated that they would cancel the contract for a 30 % restock fee which I am unable to afford since I live on SSDI and I believe that is very unfair. I left a deposit of {$570.00} with the store on XXXX and I believe that this is a sufficient restock fee. When we tried to contact Ashley 's again on XXXX we were that we are not allowed to cancel an order and that they can deliver the furniture anytime they want.
|
| 07/19/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Messages RE : Account Maintenance XXXX / SYNCHRONY BANK ( ... XXXX ) From : XXXX XXXX XXXX To : Customer Service XX/XX/18 XXXX XXXX Reply Excuse me, XX/XX/2018, you say? This is XX/XX/2018. For last 8 months, all payments have been posted early more than 10 days. Still, this doesn't explain why the {$2.00} fee. Is that a ploy designed for accountholders to enlarge their remaining balance and missing ending of promotion date?
{ Me : See end date below for purchase promotion. } From : Customer Service To : XXXX XXXX XXXX XX/XX/18 XXXX XXXX Hi XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you.
The payment of {$43.00} was received on XX/XX/2018 after the due date printed on your monthly billing statement of XX/XX/2018. Because the minimum payment due was not received by the due date, your account may have incurred an additional late payment fees and/or interest charges. The payment must be received at our payment processing center no later than the due date shown on your monthly billing statement. Please consider possible delays due to mail time when sending your payment.
As the late payment fee was not paid in full by your next due date, you began to accrue interest on the {$27.00} late fee.
Your account balance consists of both promotional and non-promotional balance. You may avoid interest on any non-deferred purchases by adding the amount of New/ Non-promotional Purchases to the Minimum Required Payment from your statement and sending that amount as payment. As of today 's date, your non-promotional balance is {$41.00}, on which interest charges are still applicable.
We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX XXXX.
XXXX Customer Service Account is owned by Synchrony Bank Attachments : _Late fee.pdf_ { Me : This attachment is dated as XXXX statement which produce no late fee. } -- - Original Message -- - From : " XXXX XXXX XXXX '' XXXX Received : XX/XX/18 XXXX XXXX XXXX To : XXXX Subject : Account Maintenance Why do I have Minimum Interest Charge Purchase of {$2.00} add on my balance? While my account is on Promotion Purchase plan, how can I avoid this charge?
{ Me : My Account Detail submemu shows } Total Fees Charged YTD : {$12.00} Next Statement Date : XX/XX/18 Last Statement Balance : {$930.00} Last Payment Amount : {$33.00} Made on XX/XX/18 XX/XX/2018 XXXX PAYMENT - THANK YOU Date XXXX $ XXXX XX/XX/2018 MINIMUM INTEREST CHARGE PURCHASES Date XXXX {$2.00} XX/XX/2018 XXXX PAYMENT - THANK YOU Date XXXX $ XXXX XX/XX/2018 MINIMUM INTEREST CHARGE PURCHASES Date XXXX {$2.00} XX/XX/2018 XXXX PAYMENT - THANK YOU Date XXXX $ XXXX XX/XX/2018 MINIMUM INTEREST CHARGE PURCHASES Date XXXX {$2.00} XX/XX/2018 XXXX PAYMENT - THANK YOU Date XXXX $ XXXX { Me : I can not print my statements as Sychrony javascript freezed my brower while ago : } " System Error '' Reference Number : XXXX Please click below to return to the home page.
By the time of purchase from XXXX, the Interest Charge clause is not clear ; where is the amount? } Promotional Purchases If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment ( Extended Payment Plan ) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due.
DEFERRED/NO INT IF PD IN FULL Balance : {$860.00} Expiration Date : XX/XX/2018 2018
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
A debt on my credit report is abuse, deceit and unfair debt collection practice. This debt on my credit report has caused me to get denied certain necessities in life ( IE. Home, employment, car ). While checking my credit report I noticed that you all furnished an account on my credit report without my consent which has cause to get denied for multiple necessities in life ( IE. Home, employment, car ).
There are laws in place to prevent your company from furnishing information on a consumers report.
15 USC 1692a ( 2 ) states ; the term " communication '' means the conveying of information regarding a debt directly or indirectly to ANY person through any medium. Therefore, furnishing of the consumer report ( giving information regarding the alleged debt ) by your company is " communication '' as stated by the Fair Debt Collection Practices Act ( FDCPA ) As my rights state per 15 USC 1692c ( C ) I'm giving you formal notice to stop any further communications regarding this account immediately. This includes but is not limited to Consumer reporting Agencies ( XXXX, XXXX, and XXXX ) Please do not respond saying you are not governing by FDCPA or you are exempt. You are in fact a " debt collector ''.
15 USC 1692 ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. REMOVE ACCOUNT IMMEDIATELY
|
| 12/24/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
A promotional purchase was applied to a transaction on my Care Credit card for a medical service in the amount of {$1700.00}. I set my auto-pay accordingly to ensure that the amount paid monthly would pay the promotional purchase within the XXXX term that I chose. I had other transactions after that one were I added amounts necessary to satisfy those payments, and I would adjust accordingly as I would pay them off. However, the credit card company allocated my monthly payments at their discretion which caused a balance of {$500.00} due on the original promotional purchase, which I was unaware of because I set the card on auto-pay thinking I was covered. It was a complete shock to me when I checked on the card to update my XXXX budget and the balance due was higher than what it was in XXXX reconciliations. I called the company several times to try to understand the issue, to which I got no answers, until I combed through statements and realized the company applied a {$700.00} interest charge to my account due to not paying off the balance of {$500.00}! Keeping in mind that I had paid already over {$1200.00} of the original purchase, and my monthly payments set where more that double the minimum due, and only {$150.00} less than the {$500.00} needed to avoid the interest! I have never missed a payment and never had interest charges on previous purchases, so I requested that they remove the interest and I would pay the promo purchase in full - they refused. I requested the allocation schedule for transparency on how my payments were being applied to the promotions- they refused. I asked what the percentage for allocations of payments on promotional purchases was- they refused. I asked for proof of alerts, emails, notifications that would have indicated that I had a {$500.00} balance to pay or I would incur a {$700.00} interest charge - they said I received my statements, however, the statements do no clearly outline the penalty. All they say is that a promotional purchase is due. Not to mention I have the payments on auto-pay with a paperless billing account so all I get is a reminder that I have a statement - no specific indication of promotional purchases ending or interest penalties being applied that would alert me to take further action. When I tried to disable the auto-pay there was no way to do that myself through the portal, I had to call the customer service line and demand that they disable it. Yet the ONLY way you can ensure that your payments apply accordingly to the promotional purchases is to call the customer service line and manually calculate the amount then perform separate transactions to apply accordingly- and I think there is a service charge for this type of payment!!! This company is predatory- they trained my medical service provider to encourage me to use the card because of the 0 % interest rate. They never indicated that the interest was accruing on the back end let alone that I would have to manually configure the payments and call monthly to apply allocation of those payments in order to avoid the interest penalty. This is predatory, fraudulent, lacks transparency, and is wrought with fraud as they hire third party service centers who actually had chickens cooing in the background of the call and when I asked to escalate the call they then transferred me to their " supervisor '' who had the exact same background noise. All in an effort to exhaust me into submission, continually telling me there was no option and no other way to dispute the charges. If I was elderly or learning disabled ( not uncommon for medical services ) then I would be at a complete disadvantage and they know it! This is unlawful.
|
| 08/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On XX/XX/XXXX I received a credit alert that an application for Synchrony/paypal/XXXX XXXX XXXX had been submitted in my name using an outdated address. I immediately contacted XXXX to figure out how to go about disputing this as this application was fraudulently filed. I then contacted PayPal credit at ( XXXX ) XXXX at XXXX XXXX EST where a representative named XXXX verified an application had been submitted and transferred me to the fraud department. I spoke with a representative by the name of XXXX who put a freeze on my Paypal credit file and advised me to contact Paypal.com directly at XXXX XXXX XXXX XXXX to remove the inquiry. I received a confirmation number of XXXX.
On XX/XX/XXXX I contacted PayPal and spoke with a representative named XXXX who advised they were unable to see the inquiry but conferenced in Paypal Credit rep XXXX who ultimately transferred me to the fraud dept at Synchrony. I spoke with XXXX who stated he'd tagged the application as fraud and I would not be liable for any purchases made. He put a fraud alert on my account and stated I would be mailed documentation and a request to delete the inquiry was made to the credit bureau ( s ). I was given a confirmation number of XXXX. To date, I have not received any documentation acknowledging an investigation or my report of fraud, and it has now been over 60 days.
I followed up with Synchrony bank 's fraud department on XX/XX/XXXX at XXXX XXXX and spoke with a representative named XXXX. XXXX stated the removal was requested but since it hadn't been completed, she submitted another request with the bureau ( after verifying my information ). When asked about the paperwork I was to receive she stated the previous rep did NOT update my address so that is why I have not received any documentation. XXXX proceeded to state she could not re-mail any documentation and finally after I kept insisting placed me on hold, resumed the call, and stated she'd have the documentation sent out. I was advised that I would have to wait 30-60 days for the inquiry to be removed. I followed up with XXXX on XX/XX/XXXX and was told they have not received any requests to remove the inquiry as those requests are processed immediately, but I was instructed to request a letter from Synchrony/Paypal to submit to XXXX via mail. To date, I have not received any documentation from Paypal/Synchrony in reference to my situation.
I followed up with your Synchrony on XX/XX/XXXX at XXXX XXXX and spoke with XXXX who transferred me to XXXX ( an Account Manager in the fraud department ). XXXX stated he is updating my request and will request to expedite my paperwork/request.
Since I had not had any luck, I followed up with an email to XXXX XXXX ( President of Synchrony ) I received a message back on XX/XX/XXXX stating they did not have contact information for me to follow up. I called XXXX XXXX ( who responded to my email ) at XXXX XXXX XXXX XXXX ext XXXX on XX/XX/XXXX but could not reach her. I left a voicemail and followed up via email as well. On XX/XX/XXXX I received a response stating that a request was submitted to remove the inquiry on XX/XX/XXXX and to allow up to 60 days for it to be removed. I responded to XXXX XXXX email that same day but have not heard anything since. It should be noted that the letter they attached in the email dated XX/XX/XXXX has an old address that was I assured was updated and removed. This is the same address someone used to apply for credit. I have not lived at that address since XXXX.
To date, the inquiry is still present on my credit report and I fear it will not be removed as I started this process on XX/XX/XXXX and it is almost 5 months later.
|
| 06/05/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was shopping for furniture for my new home and came across XXXX store in XXXX XXXX, which is called " XXXX XXXX XXXX ''. I went to the store and start browsing items, when one of the store associates approached me asking if I need help. He introduced himself as XXXX. I selected several items and XXXX helped me to place an order on them, while placing order he offered me to apply for a Credit Card with synchrony bank. We filled out an application and I was approved for {$4000.00}. Once we obtained credit approval XXXX immediately charged the card and placed an order. He informed me that total amount would be {$4000.00} without giving me breakdown of cost on each item. Then I requested him to go through each item individually and provide me detailed cost. I noticed that he was trying to overcharge me on each item. I informed him that I am not accepting his offer, due to items were overpriced. He tried to intimidate me by offering free items ( like mirror and etc. ) I asked him to cancel transaction. He informed me that he needs managers approval to cancel purchase, but assured me that it will be taken care on business day, since it was weekend, no one could reverse the transaction. He asked me to sign the paper and obtained my authorization to cancel the transaction. I signed authorization and left the store. On next Monday I start following up, to check if transaction was cancelled, but I was told to wait and someone would call me back. The same thing lasted for few weeks, and after approximately XXXX weeks when I attempted to call with follow up I was told that my items are arriving soon. I informed them that I never authorized any purchase, but they assured me that they will give me discount on each item and they will provide additional items for FREE. I start receiving items one by one and they were absolutely not as described. I called the store and informed them about my issue. They assured me that they will replace items which didn't match my preference, but it may take several weeks or month, since all items were on backorder due to COVID. I waited several month and no one ever would contact me to replace my items. During this time, some items started having small spots due to poor quality, I called the store again, but they were not helpful at all. At some point during this time I raised the concern of being fooled. Then I received attitude from the store. I decided to stop calling the store and instead I raised the concern with Synchrony Bank. I submitted claim with Bank and received Credit from the store in the amount of {$400.00}, for items which were not delivered. Then I received call from the store manager, requesting me to come to store to resolve the issue. I decided to give them a chance to fix the problem. When I stopped by the store, store manager greeted me with aggressive attitude as soon as he understood who I am. He stated that I am filing false claims and start threatening me. Then I kindly asked him to call XXXX, the person who served us and helped us with purchase. Store manager claimed that XXXX is dead. I asked him the reason he invited me to his store, he said he wanted to see me in my face and started threatening again. Then I decided to leave the store fearing for my safety and called the bank again. They accepted my claim again, but came out with no resolution. I requested store to take back all their items back and refund my funds. The same statement I made while I was filing dispute with the bank, but until today, it is been almost a year, but I could not reach resolution of my problem, neither with store nor with Bank. I decided to escalate this matter to CFPB to help me with my matter.
|
| 10/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I signed up for a Care Credit card through Synchrony in order to pay for some unexpected medical bills. The card is advertised as having 0 % interest rates for larger purchases.
I charged {$1800.00}. When I could not find any information about the promotional rate on my first statement, I contacted Synchrony to find out what happened. I was told that I was supposed to ask the DOCTOR 's office to charge the card with the promotional rate in order to get it. This is completely abnormal and was NOT made clear when I signed up for the card. Since when do credit card companies allow vendors to set interest rates on each individual transaction? Typically, you make your charges, and then everything is assessed at whatever interest rate the card issuer sets. But apparently, this is not how Synchrony operates. It's up to the cardholder to negotiate the rate with the vendor at the time of payment. If you don't, you get charged the max rate -- as high as 26.99 % -- when you could have been getting 0 %!
I get rates much lower than this on my existing cards and never would have signed up for Care Credit if this would have been made clear. Here is a copy of a chat transcript with Care Credit for your reference : Good morning, My name is XXXX, I am a live agent.
my last chat session broke. UGH Please allow me a quick moment to review your account and help you further.
I apologize for the inconvenience this may have caused.
all I'm trying to find out is what the current APR is on the balance I have.
why can no one tell me this???
I apologize for that.
XXXX, I see the APR on the account as 26.99 % XXXX??
I thought this card was supposed to offer reduced or 0 % APR to make it easier to pay off medical bills However you have a Fixed pay lower APR promotional balance which is offered at 14.9 % interest rate.
I get a lower rate than that on my regular VISA, and I could have at least gotten miles!
This is false advertising Where is the 0 % that was advertised?
XXXX, you got the Lower APRE offer.
I still get lower than 14.9 % on my other cards!!
It completely depend on your choice which one you want to choose at the time of transaction with your provider.
If I would have known this, I never would have applied for this XXXX card Well, your company made it seem like I would be getting 0 %!!
I completely understand how you feel. Please do not worry, I am going to report this to the CFPB This can be changed to 0 % interest offer.
I work at a XXXX, so I know when things are advertised incorrectly I would request you to please contact the provider and change the promotional offer.
YOU ARE THE PROVIDER You provided the card.
XXXX, I am sorry for the misunderstanding. Generally Doctors provide various promotions on the account. If you make any purchase above {$200.00} you will be eligible for an interest free promotion with different duration.
Since when do the vendors set these promotions?
Based on the amount you will be provided with the duration to pay off the balance, like 6, 12, 18 and 24 months promotion.
the credit card companies set the promotions. I've never seen such a thing in my life.
I'm reporting this to the CFPB It is XXXX % NOT MADE CLEAR that I am supposed to ask the DOCTOR for a promotional rate That is totally against the norm ... Would you ever shop at XXXX and ask them to set a promotional rate on a credit card purchase? NO, you would NOT.
XXXX, I completely understand your concern.
Promotional rates are set by the card companies. NOT by vendors XXXX, please allow me a minute while i transfer you to one of our supervisors.
complaint to CFPB is in progress ...
I am sorry.
Please wait.
|
| 11/11/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Back in XXXX of XXXX I purchased a TV for {$3400.00} from HSN and the bank they used at the time was XXXX XXXX and was offered an18 months no interest VIP financing. I was paying on time to my knowledge and eventually signed up for direct debit out of my bank account. The money was coming out every month. During that time we had purchased other items when the revolving money was available. The TV should have been paid off with no interest added on. In XXXX of XXXX the loan was transferred to Synchrony Bank and at that time all the interest was added back to the loan bringing the balance back up just about {$1000.00} more that what it should have been. I reached out numerous times to both Synchrony and XXXX with no avail. Synchrony told me they have no info prior to the day they took the loan over from XXXX and I need to call them. I call XXXX and they told me all the info was sent to Synchrony and they have no other info. This went on for over two years. I requested all my history form Synchrony and they told me they would send it. I made it quite clear that I needed the info from the day the loan was opened and she said that it will take them sometime as they will have to put in a research request with XXXX XXXX. I finally got the documents from them and when I opened the mail, it was what I told them I did not need. They sent what they had from when they took over and I wanted from when the loan was opened and being transferred so I can see what the balance was at the time of transfer. I was so tired and fed up with calling and being put on hold for lengths of time and then transferred over and over again that I did not call for a bit during Covid. The records should tell how many times I have called and spoken to different people and depts. They placed me into collections this year I guess as I got the first piece of mail in XXXX and I called them before they even reachout to me. I told them I need to put a dispute. I spoke to XXXX XXXX at XXXX x XXXX who took all the info and said he would place the file hold until an investigation was done and I will get something in the mail.. Yesterday XX/XX/XXXX I called again and spoke to XXXX XXXX at x XXXX who said to me that there was 57 pages of info sent to me which I never received. So she said that she will send it out again and if I do not receive it in 7 business days to please call back. Today I got a know on the door with a summons for a pretrial between Synchrony Bank and myself. When I spoke to the lady yesterday she could have said that they filed a suit but she did not. i called as soon as I got it to find out what is going on but could not reach her and spoke to someone else who said that she is my rep and I have to speak with her. All he said is that he can see that there is a block on the acct as it is being disputed. He also said to call back in a day or 2 to see if the dispute was resolved. I have been trying very hard to take care of this and has gotten no help or resolution to this matter and now it has come to this. Please help me with this situation. Or now that it is in collection my bill is no longer {$4000.00}, it is now {$4900.00}. This is so unfair to the consumer and these banks takes advantage of us over and over again especially in these times where people have lost jobs and some not working and we are just trying to make ends meet. Not asking for pity but for truth. I just need to see what happened. Can you please help in this case.
The collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX WI XXXX - XXXX, XXXX or XXXX. The file # XXXX acct ending in XXXX. My name is XXXX XXXX and last four digits of SS is XXXX
|
| 02/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted by a person named XXXX XXXX, he somehow was able to contact me by cell phone. He said he was calling from a lawfirm ( unnamed ) on behalf of a company that purchased a debt from XXXX XXXX XXXX. They provided me with the phone number XXXX and case number XXXX. I had my daughter call them to follow up. XXXX spoke to her, they said to her that they were looking to serve her papers for a court appearance for a debt due and garnish wages. She asked for more information but he immediately responded that he was not able to provide anything over the phone, she asked for ie ; the name of the purchaser, the account number, amount due, time of when the debt existed, if it was inside of the statue of limitations for the debt collection, and how to settle. XXXX responded the debt was from XXXX, with an original balance of about {$650.00}, with a now current balance of over XXXX XXXX for fees and attorneys fees. He informed her a letter was sent to the house from the collection agency in XXXX XXXX to provide her with options to settle the debt. No such letter was ever received. He told her he could have her settle outside of court, pay {$800.00} or payment plan of the XXXX XXXX plus fees and would put the serving of the papers on hold for 4 hours, to be served at home and my workplace while we decide what to do. She agreed and he called back in XXXX hours to discuss what the decision was from the number XXXX. My daughter asked for a copy of an invoice of what is due, a copy of the letter that was sent but not received. XXXX got aggressive and refused to provide the settlement letter because " he cant just give that opportunity again ''. She told him she had no way in agreeing to anything or reviewing options if there was no paperwork to do that from. He agreed to send her a settlement letter, which I will attach here for reference. The name of the law firm is XXXX XXXX XXXX which I believe may be short for XXXX XXXX XXXX XXXX with an address based in California. The letter contains the original company in which the debt is due, my name, partial of my address, and my social security number, along with the settlement agreement and form to submit my credit card payment. She called XXXX back to discuss why the address was incomplete, if we were to submit payment via the form. He said that's what was provided by the company, she pointed out that it would then make it impossible for the letter to have ever been received, he responded casually that that was normally the case, so improper informing of such debt and legal action confirmed. Upon research of the company, many scam complaints come up referencing the same person XXXX, for similar collections amounts, similar script. Example XXXX XXXX XXXX XXXX They look to be based out of XXXX XXXX. The rep XXXX XXXX may be an imposter, there is a lawyer in XXXX XXXX with the same name they may be imitating. My daughter contacted SHOPNBC, now XXXX, to verify the information the law firm has provided on the letter, while the name account number and social match, the balance amount, the incompleteness of the address did not match. The account has not had any activity since XXXX and was closed and deleted on XX/XX/XXXX, as per the XXXX company. The number for the XXXX credit card company is XXXX. This is way outside of the limitation for debt collection, as well as incorrect amount, as well as a refusal to provide any account information by the law firm/collector, threatening of lawsuit and garnishment, as well as improper handling of private information. How did this law firm get my social security number, my old SHOPNBC credit card number, my name, and current cellphone number?
|
| 04/17/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have been a Walmart credit card account holder since XX/XX/2014. Unfortunately, my account has been subjected to an APR increase numerous times which unfair. Last year, in XXXX, I emailed the CEO, Ms. XXXX XXXX regarding my account. In the span of just 6 months, my account 's APR had increased twice. I had previously contacted Synchrony Financial via their online feedback form to express my concerns and experienced several issues with their specialists. None of them were helpful or courteous. It was only when I escalated my concerns to Ms. XXXX that I was actually helped. My formal complaint was forwarded to a Senior Specialist, Ms. XXXX XXXX. My account was also experiencing issues with a promotion and erroneous payment allocation. Due to the fact that the payments were applied incorrectly to the ongoing promotion, it caused my interest to increase. She was able to rectify the error but did not adjust the APR. In her explanation via email, she stated the following, " your APR does not change unless the prime rate changes. However, as your balance decreases, the amount of your monthly interest charges will also decrease. '' Fast forward to the present, I emailed Ms. XXXX and expressed my concerns that this time my account 's APR had increased four times in less than a year. Again, she explained that the increase was due to the prime rate changes. However, after further investigation, many Walmart credit card holders shared their complaints online regarding their excessive interest rate increases. She advised that the APR is the same for all customers and can not be adjusted. Per my Credit Card Agreement, the APR will vary with the market based on the Prime Rate. I read the terms online which I will be providing you a copy of, and they are vague. I immediately advised Ms. XXXX that I would be closing my account to not be subjected to anymore interest rate increases. With all due respect, to continually increase their customers ' interest rates no matter their payment history, makes it difficult for them to pay of their high balances. Synchrony Financial should be investigated regarding these ridiculous increases ; there should a limit to how many times they can increase the APR. At no time did Ms. XXXX advise that my account would still be subjected to APR increases even if I closed the account. Then I left a negative review with the XXXX and a new specialist, Ms. XXXX XXXX was assigned to my complaint. I spoke with her today and she was apathetic and rude. I received a letter from Ms. XXXX explaining that " closing the account does not prevent the APR fluctuation from taking place ''. I advised Ms. XXXX that I would be escalating this matter further. Her demeanor was unhelpful and I recently discovered that she was one of the specialists that I had complained about last year to Ms. XXXX. There was a moment in the phone call that she actually snickered at my comment that many customers are concerned with their accounts being subjected to these increases, which was unprofessional for her to do so. I asked if my account can be reopened since I did not know that my account would still be subjected to the APR increases and she refused. As a customer for over 4 years with two credit cards ( Walmart and Care Credit ) with Synchrony Bank, in my opinion, Ms. XXXX should have advised me of the consequences if I chose to close my account, especially since she has assisted me before. If I would have known the consequences, I definitely would not have closed my account. It is not a coincidence that so many consumers have posted their complaints involving Synchrony Financial. It is evident that they do not value their customers.
|
| 02/28/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Wednesday, XX/XX/2017 -- While on the Norwegian Getaway, I decided to attend an art auction put on by Park West Gallery. I talked to XXXX at the registration table and told him I was interested in attending but did not have my Collectors credit card with me. He said that the card numbers " were only an email away ''. I went to the auction, and agreed to " reserve '' a painting and we set an appointment for later in the evening to finalize the sale. I attended the meeting and told the Art Director, XXXX, that my friend had been on a cruise recently and for using her card that she did not physically have with her, she was given a free piece of art. He said he would do the same. He then attempted to talk me into additional purchases. I declined and told him to put the {$220.00} + the shipping/ appraisal purchase on my existing card. I later found out that he had opened a new credit card earlier that day without my knowledge or permission.
Thursday, XX/XX/2017 -- I noticed that the charge was put on my room account instead of the existing card. Later that evening, my friend XXXX and I attended a VIP event where there was no auction. They pressured her into making a reserving a piece by XXXX at the price of {$12000.00}.
Saturday XX/XX/2017 -- I attended another auction alone and was pressured into " Reserving '' an acrylic on acrylic statue by XXXX for the same price ( {$12000.00} ). I was also asked, by one of the assistants XXXX (? ), if I could bid on the piece XXXX was going to buy as a formality. She said that the piece had to come across the bidding floor. I agreed as it seemed legitimate. A meeting to finalize my sale was set up for later in the evening. At some point in the day, I decided NOT make the purchase. I did attend the meeting since I had agreed to be there. I also wanted to have the purchase of the original piece moved from my cabin to my original Collectors Club card. It had more than enough available credit to make the purchase. I walked into the meeting and before I could tell XXXX that I had changed my mind, he told me that he had good news for me. That he had found an existing credit card in the system and that between that and what I had as available credit on my existing card, the XXXX piece would be covered.I then told him that I had decided against the purchase and to move the original purchase from my ship account to the existing card I had. After a high pressure conversation to convince me to keep the XXXX piece, ( he even told me that since XXXX was very ill, if, XXXX forbid, he were to pass away, the value would increase. And if it did n't increase to the amount I thought was right, I could refuse the purchase. ) He said that Park West Gallery would put the statue on hold for 1 year ... ..in a hold location ... and that I could cancel at any time before that year was up. I still declined. He then ripped up the paperwork that he had already prepared and moved the cost of the original purchase to my original card. He then turned his attention to my friends purchase. The same offer was made to her and she agreed along with being told that she could also have a free piece. We agreed to have it put in my shipping tube so she could save the {$35.00} cost.
Wednesday, XX/XX/2017 -- A new Park West Collector 's card arrives in the mail. Per the paperwork attached to the card, it has {$5000.00} limit, but per the Park West website and XXXX credit report, it has a {$10000.00} limit. I checked the Synchrony web-site ( they hold the credit card for Park West ) and sure enough, there was a new card on my profile I have contacted Synchrony and Park West Gallery but have yet to receive any calls back.
|
| 04/27/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
On Monday, XXXX XXXX, XXXX I spent over an hour trying to get a manager on the phone to help me with payments to multiple accounts. ( All of my accounts are in good standing and in fact some are almost paid off and others have been paid off in total ).
To make my payments I call XXXX because for the past six months my statements have either not reached me or have been delivered late. I had been fortunate enough that managers I spoke to in the past were considerate enough to help, waived the fees, and assisted me with making my payments.
Synchrony Bank, unlike other banks, charges a $ XXXX/PER transaction fee -- so you would be charging me {$50.00} to make my payments on the phone using a live person.
Unfortunately, the manager that I reached on Monday, XXXX XXXX behaved more like a XXXX and immediately rebuked my concerns/needs. She apparently had been one of the managers I spoke to before, but this time she took on a whole different persona. When I asked for her full name she refused. She would only give me her first name and ID, which were XXXX ID # XXXX.
XXXX proceeded to reprimand and chastise me for XXXX to ask to make my payments again in the way I had done in the past. She began to belittle me, holler out banking and federal rules, which I assure you most consumers know little to nothing about, and basically tried to make me feel like a subhuman for requesting assistance. She rattled off names and dates from XXXX ( as if I was to remember all of them ) given that she had the luxury of looking at the information on-screen, and continued to persecute me about the help I was requesting and had received before. She in fact made a deliberate production to elevate herself by saying I AM MAKING MY REPORT TO THE CORPORATE OFFICE RIGHT NOW ... and began clicking away ... making it a point to say THERE, I 'M DONE! -- meaning that she had sent her information -- was I supposed to be scared, or was she trying to deliberately infuriate me beyond the frustration I was already feeling?! You use intimidation to deal with customers? What is next, extortion? Actually, I know she was going out of her way to do this after I told her I would be reaching out to your executive offices.
I am a customer, so why do you allow an employee to incite additional irritability and anger? During the course of this awful conversation I realized that the XXXX # could actually assist in making payments without a fee! I had NOT known/realized this in the past and told XXXX several times that I was unaware and would now use the phone system, but she was apparently having fun with her rant and continued with her criticism towards me.
You have also disconnected all of your corporate numbers so that no one is allowed to escalate an issue to a member of an executive resolution team. Is this because there are so many, hundreds, of complaints by other people on-line and in social media? Who are you really since you took over GE?
The way I was treated is deplorable and inexcusable. You deal with the public in away that incites further incident and for that someone should be putting you on notice. This is not the way to speak to a customer who was already upset for being on hold, transferred around, interrogated, and repeatedly asking for a manager. XXXX should have taken a very different approach in talking to me. I am a customer in good standing and if I am not allowed to speak to humans to make payments without a fee, there was a better way to speak about the overall problem I was experiencing.
I will report this incident to the Federal Consumer Protection Bureau and would also appreciate a phone call back at XXXX as soon as possible.
|
| 12/29/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Deferred Interest Charges Dispute with XXXX XXXX XXXX : We purchased furniture from XXXX XXXX using 3 different credit cards as the amount of total purchase was around {$15000.00}. We used a personal credit card and 2 XXXX XXXX credit cards issued by XXXX XXXX ( which offered no interest for 24 months with a Deferred Interest promotion ), one under my name and one under my wife 's name. We paid off the personal credit card and set up monthly installments for the 2 XXXX XXXX cards to make sure no payments were missed to prevent the Deferred Interest charges. My wife 's card was set up correctly with enough monthly payments each month to pay off the card before the Deferred Interest promo expired. Unfortunately my card was set up for minimum monthly payments and I was getting electronic statements. I was receiving monthly emails on payment upcoming and the amount that will be withdrawn from my account and since it was a consistent message in each email I paid little attention to those as the payments were being made on time being pre-authorized withdrawals directly from my bank account. In XXXX XXXX, I noticed the email indicated a very high balance along with the minimum payment due in the email I received. This prompted me to log in into the XXXX XXXX XXXX XXXX website ( the card is provided by XXXX XXXX ). Once logged in, I noticed an interest charge of YTD for {$4500.00}, which blew me away!! I immediately called the XXXX number provided on the card to find out what was going on and was informed that my promotion had expired on XXXX XXXX and since the full payment had not been received I was being charged the full interest of around 29 % for the full term and have also been charged additional interest for the 2 months on top of the deferred interest. I shared that I had not received any notification or fore warning that my full payment is coming due and was told it is in the billing statement and they dont send anything else. I indicated that I have been on pre-authorized payments for the whole 2-year period and have not missed a single payment but was not aware on when the full payment was coming due. After an entire day of calls with several layers in customer service, I continued to receive the same response that they will ( and rather the statement was no one will be able to help me ) not be able to do anything and it is in my best interest to pay the whole balance due along with all the deferred interest charges to prevent further bleeding. I contacted the XXXX XXXX store and was connected with the accounts department who seemed to be willing to look into this and approached their Regional Director to discuss the issue. After a day they got back to me and said there was nothing they could do either. I shared the fact that my billing invoice indicated an estimated shipping date of XXXX/XXXX/XXXX for the furniture and that my payments should have started in XXXX and this would have allowed me to still be within the promo period but I was told that is not how the payments work. I was charged several months prior to receiving the entire furniture thus shortening the period I had to pay off, while also creating confusion on the dates, since the invoice had XXXX/XXXX/XXXX.
There was not a single attempt made to contact me to make me aware of the promo coming close to an end nor was any information provided in the emails I was receiving. I contest this fraudulent means of duping innocent consumers and having them pay a hefty price at a rate unheard of 29.99 %.
My original amount owed was {$6800.00} and after 2 years of payments with not a single payment missed, I am sitting on almost {$7000.00} as of today.
|
| 10/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
1. SUMMARY I was charged for goods and services that weren't delivered as agreed. I bought software with specific features and lifetime support. When I got the software, it did not include the features or support.
Synchrony Bank denied my dispute based on an allegation from the WRONG VENDOR. Synchronys dispute-resolution department simply made a mistake that it refuses to correct.
2. PROBLEM WITH THE VENDORS SOFTWARE The vendor, XXXX, provides software to automate trading on foreign-exchange markets. The software was advertised online to have the features screenshotted in Advertised Features attached. What I got did not have those features. It only had the features screenshotted in Received Customizations, lifetime version, attached.
3. ATTEMPTS TO RESOLVE THE PROBLEM WITH THE VENDOR On XX/XX/2022, I bought a one-month license to the software for {$89.00}. Later that day, I told XXXX, Somethings wrong. The [ software ] is not the same version as is advertised on your website. Its missing a whole bunch of inputs. How do I get the right version? ( Email XXXX, XXXX ). XXXX replied that I had the latest version. So, I asked for a refund on XX/XX/2022.
XXXX did not provide a refund. Instead, it said that the advertised features were only part of the lifetime license ( Email XXXX, XXXX ). It also said the lifetime license included lifetime support ( Email XXXX, XXXX ).
On XX/XX/2022, I bought the lifetime version for {$500.00}. But what I got was no different. I again asked XXXX for the correct version, but it would not provide it. Instead, it replied, We just discovered an amazing trick to maximize profit. This feature is being implemented, We implore you to kindly wait for this superb version over the weekend ( Email XXXX, XXXX ).
At this point, I realized that I had been misled. On XX/XX/2022, I asked XXXX to refund both purchases. It refused. It did send me a new file, claiming that this was the correct version ( Email XXXX, XXXX ). It was not. It did add the ability to customize assets. But the software still did not customize drawdown, filter news events, or set profit-taking.
Since XX/XX/2022, XXXX has not responded to my communications.
XXXX. PROBLEM WITH THE VENDORS SUPPORT Because XXXX has not responded to my communications since XX/XX/2022, it also has not provided the lifetime support I paid for.
XXXX. ATTEMPTS TO RESOLVE THE PROBLEM WITH SYNCHRONY BANK On XX/XX/2022, Synchrony denied my dispute, because the seller/merchant will not issue a credit for your merchandise as long as it is still in your possession ( Synchrony Final, 1, attached ). There are three problems with this position : First, I do not still possess the merchandise. I had permanently deleted it before filing the dispute.
Second, Synchrony bases its position on information from the WRONG VENDOR. I asked Synchrony for the documentation that the merchant provided to substantiate its possession allegation. On or about XX/XX/2022, * Synchrony replied with a Representment by XXXX XXXX XXXX company that is wholly irrelevant to this dispute ( Synchrony Final, 2, attached ).
[ * Synchrony upgraded its computer system on XX/XX/2022. As a result, the records of my dispute no longer appear on my account. So, I can only estimate this date based on what I saved locally. ] Third, even if I did still have the software ( which I do not ), Synchrony misses the point. The goods and services I bought were never delivered as agreed ; something I never asked for was delivered ( see Sections 34, above ). Synchronys position is like saying I bought an apple pie, I got only an apple, but I still have to pay for the apple pie that I never got.
|
| 04/20/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX I noticed a suspicious charge on my Amazon store card account that is financed by Synchrony. The amount was for {$160.00} which did not show up on my order history. I immediately called Amazon and they referred me to Synchrony. Synchrony asked me a series of questions like if i had lost my card, or lent it out, or used a public hot spot. The answer was negative to all the questions. The card is the default payment option on Amazon, so I never use it physically. I was reassured over the phone by a representative that they had zero fraud liability. At that point I put the matter aside as I knew they would discover evidence to support my claim. We even canceled my old account and was reissued a new account number. The amount in question was temporarily removed while they conducted their investigation. I forgot all about the matter when on XX/XX/2021 I noticed a balance transfer transaction on my Amazon store card account in the amount of {$160.00}. I immediately called customer service and was advised that the amount reflected the fraud investigation that unfortunately was ruled against my favor. The representative did know the reasons why. I then checked my spam folder in my email and found the letter from Synchrony explaining that the reason my fraud claim was denied was because the products were in fact delivered to my address. I am very busy at work and we receive numerous packages at my residence, but I consulted with my wife about the matter. She reminded me that we did in fact receive a strange package a few weeks ago addressed to me and she had saved it. In the package was two neck gaiters, a small metallic key ring, and a XXXX brand lanyard. So today XX/XX/2021 I had a full afternoon off so I called Synchrony fraud customer service and discovered that the USPS tracking number they had on record was the same tracking that was on the strange package I received on XX/XX/2021. They stated they would reopen the case, but the representative on the phone with me was very short and seemed uninterested in what I had to say. I just wanted all the facts documented. He did advise me to contact Amazon customer service and relay the strange package information to them. Keep in mind that the order has never populated my order history on Amazon, and I have a stellar payment history with a credit rating well into the mid 800s.I was informed that the items allegedly ordered were some sort of beach bedding. I was also advised I should file a police report, which I did today and the process is pending. I then called Amazon customer service and after the rep researched the USPS tracking number he determined that the order in question never originated from Amazon, and there was no record on his end of any such transaction. He then put me on hold while he contacted a representative from the Postal Service. Through three way conference I spoke with the USPS rep and after she conducted her research on the suspicious package I received, she concluded there was nothing her department could do to help me, since the package was in fact delivered and that was as far as she could go with this investigation. However she did refer me to the office of the USPS postal inspectors office to file a formal complaint and investigation on possible mail fraud, which I did and action is also pending. I feel I did more research into this matter than the fraud department with Synchrony, why did they not research the tracking number with Amazon. Why did they not contact me and inquire their discovery of delivery of the package. Lastly after numerous phone calls, why do they not believe me, when all the facts so obviously point to fraud.
|
| 05/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Synchrony Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX I was charged for some sort of insurance by XXXX XXXX according to my statement. This charge occurred in XXXX XXXX XXXX.
XX/XX/XXXX - XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX {$610.00} Interest to date on these charges from Sychrony Bank XXXX approx {$180.00} I paid these charges without looking at my statement. I was in a divorce ( starting XX/XX/XXXX where my husband had removed me from our insurance ) I was under emotional distress due to this divorce process and my husband was finally arrested in XXXX XXXX for harassment. I opened my XXXX statement and saw the XX/XX/XXXX charge and then looked back to find the above charges. I did not know who XXXX was or XXXX XXXX. I did some research online and found that there were several reports of insurance fraud reported regarding the XXXX XXXX. I located several different phone numbers associated to this company.
As I have no paperwork, email communication or otherwise from XXXX XXXX XXXX XXXX had no way to contact them. I attempted to call the numbers I found on line. Either they were no longer in service, or the numbers were associated with another company or I was on hold for over XXXX hours with no contact from anyone. After these attempts to contact XXXX XXXX XXXX XXXX made a fraud report to the above named credit card company and submitted paperwork provided on their website to report the fraud. I decided to cancel my credit card in XX/XX/XXXX and reopened a new account.
I have been denied my claim 2 times. I have offered to submit the information regarding the fraud reported online. I have requested to see any and all paperwork that Synchrony Bank has from this company as this is the reason the Fraud Dept. representatives tell me my claim has been denied. I was told to go to the local XXXX Police and report the fraud. I did so and the officer explained to me that there was nothing that XXXX could do to help me. I called the Synchroncy fraud dept again and was told I should try to get a notice that I did report a fraud, and that it might help my case, but there was no guarantee. I requested again to see any paperwork. I was refused.
I have requested a third time for this case to be opened for to be rebated my payments for these charges. I did pay them as I did not look at my statement and simply paid the bills. I have ALWAYS paid my bills. I have an excellent credit rating. I have no problems with any credit or mortagae service. In fact, I have been a XXXX XXXX XXXX in the State of CT for years and work with insurance companies all the time. I am told now, by the credit card above fraud dept that the XXXX Claim Services states I somehow opened an account on XX/XX/XXXX, I did not. I am told that I started to " use their services '' on XX/XX/XXXX. When I asked the fraud dept representative what were the services & who are these people, she said she did not have that information. What are my options to be paid back for the fraudulent charges that, in good faith, I paid?
Today I canceled my account with this company. I am disappointed as I enjoyed their services before this incident and am in awe of their process where on the word of a fraudulent company they are charging a customer in good standing despite repeated attempts to solve the issue.
BTW, I sought insurance on what I thought was the Open Marketplace in XXXX. I was not eligible for insurance credits, so I secured insurance with XXXX as of XXXX, XXXX.
Please advise, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX
|
| 07/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX RE : Account # XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX
|
| 01/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
On or about XX/XX/XXXX, I applied for a line of credit over the phone from Care Credit. I was approved for {$10000.00}. I was told to print out the terms and conditions for my phone application prior to applying, which I did. I read the terms and conditions. I then made a purchase on XX/XX/XXXX for {$7000.00}. The purchase was made using the 0 % interest-free program where no interest is charged if paid off within 6 months ( per the program offered by my provider, with whom I made the {$7000.00} payment ).
Approximately ten days later, I received a billing statement for the first payment due on XX/XX/XXXX for {$1100.00}. I was shocked to receive a bill so soon after making this large payment. I did not expect to receive a bill this soon. I figured I would receive a bill approximately 30 days after making my first payment. That was a large bill for me to pay so soon after making this large payment. I immediately called Customer Service and was told their entire portfolio/all customers have the same billing cycle - all billing cycles end on the " 3rd or 4th '' of each month. I asked where is this disclosed to me, and I was told on page three of my terms and conditions of the credit application. I did not find this information there. The representative then said she would mail me some information explaining this. I then inquired about a due date change. The representative told me if I requested a due date change prior to XX/XX/XXXX, they could process that for me free of charge, and the latest I could push out my XX/XX/XXXX due date would be XX/XX/XXXX ( but they could not change the XX/XX/XXXX payment date ). The representative also informed me upon doing a due date change, the 6 month promotional period would extend along with it.
I then paid the full {$1100.00} on XX/XX/XXXX.
I received the letter from the representative on XX/XX/XXXX which stated Care Credit could not find a copy of my credit application on file. It did not state anything about their billing cycle end date. On XX/XX/XXXX, I called Customer Service again, and the representative could not have cared less about my situation. I repeated myself several times. In the 36 minutes I was on the call, the representative must have apologized 17 times, however did not show any empathy or genuine concern for my problem. She explained to me that after I apply for the line of credit and am approved, the " system '' automatically generates a billing cycle end date. In my case, it is the 4th of the month. Upon requesting a due date change, I had to ask 4 or 5 times to push out my XX/XX/XXXX due date as far out as possible. She provided different dates each time I asked. She finally processed it and my next due date is XX/XX/XXXX. I then expressed my dissatisfaction with two issues : 1 ) I was provided two pieces of misinformation by the first representative, and 2 ) I didn't even get a 30 day billing cycle on my account. I specifically asked the representative what she could do for me, given my extremely poor experience as a brand new customer. She used the bare minimum amount of words to say " there is nothing we can do. I apologize. '' It is an unfair business practice that I could not make an educated decision and hold off on my {$7000.00} purchase on XX/XX/XXXX, and instead pay it on XX/XX/XXXX or later, so that I instead could have had my first payment due on XX/XX/XXXX. I specifically asked the second representative, if there was any way I could have known about my billing cycle end date? She said no. That is my complaint - as a consumer, I did not have the option or resources to know and understand the " first '' billing cycle was not 30 days.
|
| 06/29/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
This complaint regards my XXXX store card with Synchrony Bank XXXX Synchrony Financial.
I have tried for months to request that Synchrony correct their records such that my legla name be correctly represented in their systems ( and statements, and resulting reporting to credit bureaus ).
I have called Synchrony dozens of times and spoken with Synchrony representatives at length for hours in my effort to support a resolution.
I have faxed documents to Synchrony repeatedly.
I have also mailed written requests and also ( as recommended by some Account Managers ) used their online web portal to submit documents clearly demonstrating my legal name ( including government-issued photo ID ).
I have also explained at length a means to resolve the process gaps, operational gaps, compliance failures, false statements, and personal biases Synchrony 's representatives have demonstrated in my many, many interactions with them.
Synchrony 's continued failure to correct its records ( and their repeated failure to either fully read my request or otherwise failure to accurately and effectively internally relay my request -- as they demonstrate by repeatedly responding to requests I haven't made rather than the one I have consistently attempted to have completed ) continues to result in problems for me and those that depend on me.
In these months this much is clear : 1 ) Synchrony 's first line of support ( ostensibly provided by overseas team ( s ) /providers ) demonstrates either poor listening comprehension or inadequate training and representative support to allow for careful listening, documentation, and coherent response. Many of these first-line support representatives make false statements including false commitments regarding turnaround times and certainty about resolution. Some of them readily impose their own personal values and clearly exhibit biases, even as far as hanging up rather than support a request of a person whose life and needs do not match their own preferences. This is one of many ultimately unlawful areas of discrimination ( per U.S. law ) clearly reflected in a small number of m many exchanges with Synchrony.
2 ) Synchrony is disorganized in its handling of these requests. Despite dozens of documented calls, I often repeated my request in full detail including clarifications and the work of walking representatives through many things in which ( it seems ) they haven't been trained despite their important role in Synchrony 's compliance under the law and its nominal commitment to customer *support* 3 ) Even the Supervisors/ " Account Managers '' ( ostensibly in the U.S. ) lack the tooling and document/information integrity to access and reflect the history, gist, or details of customer requests over time. I learned that documents I provided multiple times were either confirmed received then later apparently disappeared -- or were never confirmed received. I have yet to come across anyone at Synchrony who identifies any accountability mechanism or these kinds of process failures -- it seems these teams are not resourced with and trained for the kind of organizational evolution that supports collective awareness and timely resolution of structural problems within Synchrony.
While I have received multiple mailings ( physical mail ) and responses through Synchrony 's online web portal, I have yet to have a conversation with someone who has both the authority to fix the issue and the inclination to simply talk with me for a clear expression of the issue, the proposed fix, and the deep Synchrony problems reflected in my interactions with at least 4 different groups within Synchrony.
|
| 08/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
First, I could only choose XXXX option for the product I am complaining about, but to be clear, this has happened with a Venmo Credit Card, as well as Care Credit ( medical procedure purchases ).
Based on many other complaints Ive read tonight, Synchrony is an unethical company and has hurt many consumers credit ratings. This includes preventing someone from purchasing a home. For me personally, they recently prevented me from having the funding to start a small business venture ( Venmo credit ), which was a shock and truly detrimental to me after I had been counting on my open credit to create my business plan and startup my small business. This was an unfounded decision that came seemingly out of the blue.
XXXX year ago, I opened a Venmo credit card and had a {$5800.00} credit limit. Mind you, my credit was less than XXXX due to a bankruptcy following a divorce, so I was pleasantly surprised at the limit. However, out of the blue ( XXXX or XX/XX/XXXX ), I tried to use my card to make a purchase to start my small business venture, but was declined, because I had a {$400.00} something balance and to my surprise, was only {$12.00} away from my limit. I should have had over {$5000.00} to use.
Needless to say, I was very confused because I had JUST paid off my card the month before ( and many other cards with Synchrony ). I was never late. I was furious! I called them and received no explanation for why this happened. Just a sorry for your luck type of attitude.
Fast forward to today ( XX/XX/XXXX ) I just learned they actually CLOSED one of my other accounts ( Care credit ), which I use from time to time for dental work and other medical bills ( over an {$8000.00} limit ). The weird thing with this one is that my mom is also on the account, and she has near-perfect credit. So bizarre! I have MANY other cards with themso Im just waiting to have them all shut down for no reason whatsoever in addition to the other two.
Also, I should add that my credit utilization rate is currently at 22 % ( which disputes their claim that I have too many high balances compared to limits ). I worked very hard to get my credit to this point ( this time last year when I was approved, it was probably closer to 50 % ). My credit score was higher than it had been in years..I had paid off many of my cards, which brought my utilization rate down to 18 %. So Synchronys big thank you for paying off my card was too royally XXXX up my utilization rate, and leave me with a score about 100 points lower than what it was. Now, I cant get approved for hardly anything, including a business card.
I have included a screenshot of the reasons they closed my account, none of which are valid. I have ONE derogatory mark on my credit ( as I mentioned ) that is almost seven years old, and NO derogatory revolving accounts. And as I mentioned, the balances on most of my cards were paid off just two months ago. Because Ive had to use them instead of the Venmo card, they all now have small balances again.
This company seemingly goes through customers accounts and shuts them down with no notification or explanation. Its absolutely unethical and unprofessional, not to mention the havoc it reeks on its customers financial health. Im sure they will use my newfound POOR score to close the other accounts as well. If you visit other complaint sites, you will see that Im not alone. This is a regular practice of theirs.
Synchrony, how are you still in business?? Especially in a post-pandemic, high inflationary world, this is a cruel and unusual practice for your customers who are simply trying to keep their heads above water.
Regards, XXXX XXXX
|
| 05/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Rather than attached the 2 letters I sent to Synchrony Bank ( JC Penney Mastercard ), I am submitting the following statement explaining what has transpired to date.
I am writing in response to the attached correspondence dated XXXX XXXX XXXX which I received on XX/XX/XXXX. I am quiet dismayed by this letter especially since I was told this subject letter was sent to me previously on several occasions when I called. I did not get one single letter until the one I recently received dated XX/XX/XXXX ( see attached ). Then to insult my intelligence, this letter indicated that the date of inquiry was XXXX This is absolutely preposterous and untrue.
I seriously question the integrity of your customer service representatives especially since I called numerous times since the very beginning of my fraudulent claim on or around XX/XX/XXXX. ( see copies of my personal handwritten notes attached ).
Initially when I first notified and completed the fraud investigation form, I indicated that I did not authorized two charges on XX/XX/XXXX in the amount of {$100.00} and {$110.00}. However, I was told some calls later that the purchases were for an industrial board and a floor lamp, neither of which I purchased.
Ive been going back and forth with representatives and managers and my efforts have fell on deaf ears. While I admitted that I purchased three of the five items on XXXX as indicated on the fraud investigation form in the amount of {$9.00}, {$6.00}, {$19.00} ( I really cant remember now ). The other two items indicated above I did not purchase.
Subsequently, I learned that my claim was denied, but I was not told why. I called again a couple times more, and the response was that I would receive a letter in the mail concerning the results of the investigation. Instead, I was sent the same fraud investigation forms to complete. I never receive said letter ; it never came. I also asked if the merchant stated whether the said merchandise ordered was online or by phone. I never a response. I believe I placed the order by phone. It would seem that whomever performed the investigation would have asked the company for a copy of recording or at least the online order, none of which was done I believe.
I DID NOT PURCHASE THE FLOOR LAMP NOR THE INDUSTRIAL BOARD. The merchant is lying as some always do. If I made these purchases I would pay for them, Im an honest person. How dare your management take the word of the merchant over a customer who has been with JC Penney for many years. Further, I was told by the representatives that the merchant provided evidence that the disputed items was mailed to my home and gave me a tracking number which I could not find. I have never received one ounce of proof.
Therefore, I demand to be credited for the fraudulent charges + interest.
Finally, I am providing a copy of my personal notes of various representatives I spoke with as well as the dates. Not only that, I was assured that notes of each conversation I had with representatives would be recorded and my file noted memorializing the conversation. I dont believe this occurred because I was resent about three more fraudulent claim forms to complete.
This entire process has been very frustrating and dauting for me. In spite of all this, Ive only been making the minimum payments on my account to prevent JC Penney from ruining my stellar credit. However, this matter is rectified, I will no longer be making purchases
on my JC Penney card not ever! I sent copies to the President of JC Penney Mastercard Synch
rony Bank ; XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX ; and, The customer service Department at Synchrony Bank
|
| 10/04/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
During the past 5 months, since I had a credit card from XXXX, I keep getting the message that claims to be from XXXX XXXX and I reported to fraud division as well as FTC and XXXX XXXX for action to stop the SCAM or Phishing report, but this individual message keep coming in and traced from XXXX along with fake XXXX that stated my credit card was used and the information on this credit card was frozen due to unauthorized used.
, XXXX, Your Amazn __Prime __Subscription has __Expired ....!! XXXX XXXX / XXXX XXXX XXXX To : XXXX XXXX, XX/XX/XXXX at XXXX XXXX Dear Naritthapanadilok, Your Membership has expired!!!
Your Subscription for XXXX expired on XXXX XXXX XX/XX/2023 We tried to renew your subscription at the end of each billing cycle, but your monthly payment has failed. We therefore had to cancel your subscription.
Obviously, we would love to see you again. If you wish to renew your subscription click on the link below.
UPDATE MY PAYMENT DETAILS Subscription ID : # XXXX Product : Prime Expiration Date : XXXX XXXXXXXX XX/XX/2023 Renew Your Prime Membership To stop these please go here or write to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recent changes XXXX your XXXX XXXX XXXX / XXXX XXXX XXXX To : XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX Hello, We believe that an unauthorized party may have accessed your account. To protect your information, we took the following actions : -- Signed you out of risky active browser sessions -- Deregistered risky devices -- Reversed any modifications made by the unauthorized party -- Canceled any pending orders -- XXXX the password to your account. You can no longer use the same password for your account.
Please call Customer Service and ask to be transferred to the Account Change department to regain access to your account.
Customers within the US : XXXX Customers within XXXX : XXXX International customers : XXXX In the meantime, follow these instructions to make your account more secure after you regain access : -- Do not use the same password that you use on other sites, including the one used with your email provider.
-- Actively monitor all your accounts, including your email. Check if there were any unauthorized changes, such as auto-forwarding or deletion rules in your email settings.
-- Review your recent order history and archived orders, and report any unauthorized orders placed to your account. Review this by going to " Your Account '' and go into " Archived orders. '' -- Remove any unauthorized device registered to your account by clicking " Your Account, '' then " Digital Services and Device Support, '' and then " Manage Content & Devices. '' -- Register a mobile phone number to receive notifications through a secure source by clicking " Your Account, '' then " Login & security, '' and then " Add '' next to " Primary mobile number. '' If you have already added a mobile phone number, you may see an option to verify the number.
-- Enable Amazon 's 2-step verification to add an extra layer of security to your account by clicking " Your Account, '' and going into " Login & security. '' -- Download the Amazon mobile shopping app and turn on push notifications to your account to ensure you are notified about any order or account updates on multiple channels.
To learn more about how this may have happened and what else you can do to secure your account, go to " Security and Privacy '' : https : XXXX? XXXX Account Specialist Amazon.com https : //www.amazon.com 2023 Amazon.com, Inc. or its affiliates . Amazon and all related marks are trademarks of Amazon.com , Inc. or its affiliates, Amazon.com XXXX XXXX XXXX XXXX, XXXX, WA XXXX.
XXXX
|
| 09/06/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Synchrony Bank/Care Credit ATTN : Fraud Department/XXXX , XXXX XXXX XXXX Care Credit : XXXX To Whom it May Concern This letter is a follow-up to my phone call on XXXX XXXX, XXXX. Your Fraud Representative XXXX was very helpful with my account. Thank you for listening to me when I contacted Synchrony by phone -- for the second time -- and putting my account on hold -- while you investigate this man and his company. I believe that I am a victim of identity theft and or fraud from the organization below.
XXXX XXXX XXXX, Marketing Director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Other Info : XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX -- I visited to XXXX -- XXXX XXXX XXXX -- to get information for my daughter about the XXXX XXXX program. When XXXX XXXX XXXX discovered that my daughter was under XXXX, he suggested that I take the program. I told him I could not because I work full time and have to care for XXXX children. He then said that he could make it work for me -- he has ways to make it work. XXXX XXXX asked for my name and address and then wanted my license to " verify '' my name and address. He then filled out some paperwork. He never told me the of the cost -- or that tuition was involved -- and to this day I have never been told the cost of the program. When he gave me my license back he implied that I might qualify for a scholarship/award.
XXXX/XXXX/XXXX -- XXXX XXXX called me at XXXX, the store I manage on XXXX XXXX XXXX XXXX in XXXX, XXXX and implied that I qualified for a scholarship/award and that XXXX had only one opening left. He insisted on coming into my store to secure my getting into the class. I told XXXX XXXX not to come to my place of employment but he insisted because -- there was only one spot left in the class -- and that time was running out -- and I would not quality for the scholarship if he did not come that day. He arrived at XXXX and spent close to three hours in the store and at which time he requested my drivers license and had me sign one paper to have a chance of getting the award/scholarship and to get into the program. I do not remember giving XXXX XXXX my social security number. XXXX XXXX did not provide me any copies of the paperwork he had me sign.
XXXX/XXXX/XXXX -- Now I am under the impression that I have qualified for the scholarship/award program for the dental assistant program so I begin to attend classes. XXXX XXXX never disclosed to me that I would have to pay tuition and he never disclosed how much tuition would cost -- or that he taken out credit in my name and without my permission. I continued to attend classes not knowing that he had taken out a Care Credit Card/Synchrony account.
XXXX/XXXX/XXXX -- I called Care Credit and told the customer service representative that I did not apply for this credit card and did not know how they got my name and I was told by that representative to continue to " make the monthly payments '' and that the problem would be resolved.
XXXX/XXXX/XXXX -- I called Synchrony and spoke to XXXX in your Fraud Department -- he was very helpful. He confirmed my phone call on XXXX XXXX, XXXX, confirming that I did not open this credit card and noted it on my record. He took all the information and opened a fraud investigation and told me everything was on hold I got further paperwork from Synchrony.
XXXX/XXXX/XXXX -- I contacted The Attorney General of XXXX -- their office has requested the paperwork that Synchrony Bank and XXXX have from me. I have not been able to get thes
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| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Synchrony Bank XXXX XXXX has violated my consumer rights by reporting late payments to XXXX, XXXX and XXXX. In accordance with : 15 Usc 1681 section 602, I have the right as a consumer to privacy. 15 Usc 1681 section 604 a section 2 : a consumer reporting agency can not furnish an account without my written consent. Pursuant to 15 USC 1666-correction of billing errors ( b ) Billing error for the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. Furthermore Synchrony Bank XXXX XXXX has closed my account due to alleged nonpayment : Pursuant to : 15 usc 1666 ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. XXXX Treatment of credit balances ; account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. Synchrony Bank Sam 's Club has harassed me by calling and sending text messages to my phone while at place of business. Pursuant to 15 usc 1692 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I sent to synchrony bank XXXX 's club an affidavit of right to rescission, revocation of signature XX/XX/2022, on the grounds of fraud, misrepresentation and concealment of material facts regarding the financial transactions and financial undertakings for my account.
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| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I write to you in regards to the recent mishandling of my personal information and inaccuracies in my credit reports. These transgressions, evident in the practices of XXXX XXXXXXXX XXXX and the three major consumer reporting agencies, XXXX, XXXX, and XXXX, constitute a blatant disregard for my fundamental rights and legal protections represented in the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974.As a consumer, I hold the right to privacy pursuant to 15 USC 6801 which states that " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Unfortunately XXXX XXXX, entrusted with my financial information, has failed to uphold this obligation. Additionally, 15 USC 604 ( a ) section 2 states In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX, and XXXX do not have my authorization to furnish this information. Furthermore, I never gave my written consent to have my information furnished so I hear by revoke any and all consent to XXXX, XXXX, XXXX or XXXX XXXX whether it be verbal, nonverbal, written, or implied. Moreover, this disregard for my privacy extends beyond the initial disclosure. XXXX XXXX has demonstrably neglected to inform me of my right to exercise my non disclosure option, as mandated by 15 USC 6802 ( b ) ( c ) stating A financial institution may not disclose nonpublic personal information to an affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furthermore, 15 USC 1681c ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission, which is against the law and the presence of inaccurate information on my credit reports stands in stark opposition to this Section. These errors, being a legal violation, pose a significant threat to my financial well-being, potentially impacting my ability to secure loans, employment, and other critical opportunities. Equally concerning is the apparent lack of robust safeguards implemented by XXXX, XXXX, and XXXX. Their failure to adhere to the reasonable procedures mandated by 15 USC 1681 section 2 ( A ) ( 1 ) which states that A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In addition, 15 USC 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Finally, I am exercising my right to opt out of your reporting services, as explicitly granted by 12 CFR 1016.7. which states A consumer may exercise the right to opt out at any time. I am opting out of your reporting services so please remove my information from your databases and cease all further reporting.
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| 05/24/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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In XX/XX/XXXX, I purchased a couch at XXXX XXXX XXXX for about {$1500.00} and was offered a promotional credit deal run by Synchrony Bank with deferred interest, which would effectively have been 0 % interest if I paid off the principal before 18 months. Right after the purchase, I specifically set my auto-pay to {$88.00} so that the full amount would be paid off in 18 months. A couple months later, I purchased two armchairs at Ashley Home Furniture ( owned by the same parent company as XXXX ) for about {$600.00} and was offered to pay for these armchairs on the same Synchrony Bank card. I agreed, thinking I would receive some sort of notification asking for a similar auto-pay for these armchairs to pay them off before the promotion ended, and assuming that the {$1500.00} and {$600.00} would be treated and paid off separately because they had different terms, time periods, promotions, store locations, etc. Instead, Synchrony Bank simply added this {$600.00} to my existing {$1500.00} balance for the couch, and started using my {$88.00} auto-pay to pay for the {$600.00} first, effectively setting me up to get hit the deferred interest on the {$1500.00} when the 18 months ended ( and this is what ended up happening ). All of the prior 18 months ' worth of interest, set at a very high interest rate of 30 %, kicked in starting XX/XX/XXXX and I wasn't even given a warning via email or paper letter beforehand that this was going to happen. Instead, Synchrony Bank was expecting me to go into the statements and read the fine print that this was going to happen, when I had already set the auto-pay and thus didn't have a reason to click the link, login, and read every statement. I didn't realize I was paying interest ( or had paid all 18 months ' of the deferred interest starting XX/XX/XXXX ) until XX/XX/XXXX. By then, I had ended up paying over {$1000.00} on {$2100.00} worth of couch/armchair. I believe this is unfair, predatory lending for two reasons : 1 ) When I added the {$600.00} armchairs to my balance, I should have been notified via email and/or letter, informed that this {$600.00} was going to start being drawn down first before my existing {$1500.00} balance, and been informed that I may want to increase my monthly payment amount accordingly. Instead, I received ZERO notice and the two purchases were just lumped into the same balance with no distinction on the Synchrony Bank website.
2 ) Before the deferred interest took effect, I should have been notified via email and/or letter, SEPARATE from the monthly statements ( where the notification is buried among all of the other confusing terminology and numbers ), explaining to me in plain language that interest will be starting on X date if I don't pay off the remainder of my balance. I understand it is not in the business interest of Synchrony Bank to give a notice separate from the statement, but it is the right thing to do and is a simple automation that can be built into their communications system. The fact that they gave zero notice other than the statement is unacceptable from a fairness perspective. I would have gladly paid off the rest of balance if I would have known, but I had zero knowledge that this was going to happen.
I spoke to two Synchrony representatives who both told me they can not grant any exceptions by waiving or reimbursing my interest because, in their words, that is discriminatory lending. I believe they are XXXX the law in this way, which was designed to prevent discrimination in the OTHER direction -- to not unfairly charge certain consumers higher interest rates or deny them credit in a discriminatory fashion.
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| 10/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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On XX/XX/XXXX I purchased an XXXX XXXX through XXXX. To pay for the product I signed up for PayPal credit with 6 months of interest free. I saw the seller had created a tracking number with XXXX but XXXX never received the item. I have this proof through XXXX so I can clearly prove the item was never even shipped. I had a bad feeling about this purchase after I made it so I immediately contacted the seller and got no response. I then filed a dispute with PayPal/synchrony bank XXXX They opened the dispute and several days later I contacted them for an update. They were very dismissive on the phone but I eventually found out they ruled in the sellers favor. I asked them could I send proof that I never received the item. They said yes and reopened the dispute. They had no way for me to send these documents other than a website that allowed me to send an online fax. I asked if I could email them or mail them but they said the only way was through this online fax portal which they directed me through. I did this and they told me they received the items. They would be in touch in ten days. No contact. I called them back and they said they mailed a letter out I had to sing and return. Again no option for email. This went on several times I had six or seven letter mailed out none of which were about the dispute. They were all forms for which I was supposed to return to reinstate my PayPal credit account. I called maybe ten or twenty times to see what elses I could do. Every time they told me I needed to return this letter because I had filled it out wrong. They couldnt tell me which part was incorrect, they couldnt put me through to any higher management, there was literally nothing more I could do. Finally I contacted them one last time. Today XX/XX/XXXX and they took me through he same procedure. No notes in the account no records, no help, no further instruction. You must return the letter. On one occasion they pulled the wrong account up for me and told me I dont have PayPal credit. It was an account for XXXX XXXX XXXX and not myself. I do not feel comfortable with this company holding any of my information. It is a legal issue in regards to personal information sharing. But thats that the icing on the cake. I still owe the XXXX and some change even though I never received the product. At the end of the last phone call the supervisor basically told me nothing could be done and they ruled in the sellers favor. They never reviewed my case. It clearly shows I never received the item. They would not escalate it to higher management. After 10 or 20 calls they basically told me there was nothing I could do at all. I ended the call and will pursue legal action. They are committing fraud, theft, negligence to their customers, lack of responsibility with their customers personal Information, poor customer service, causing unneeded stress to people looking for a service, lack of care and empathy, and ultimately not operating within the guidelines of a financial institution. They should not be allowed to operate in XXXX. My first payment due date is XX/XX/XXXX after which my credit score will be effected. I have worked extremely hard since arriving in the USA in XXXX to build my credit score into the high XXXX this will bring it down. I will not stand for this and it is an urgent matter to get this resolved. I would greatly appreciate any help that can be provided. I feel like I have been backed into a corner and there is no way out no way to get my money refunded for an item I didnt receive and worst of all am just waiting for my credit score to plummet. Thank you for your help, time and coooeration.
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| 01/23/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I obtained a secondary Lowes/XXXX XXXX Consumer Credit Card for a licensed contractor ( with his name on it ) who was working on a rental of mine from mid-XX/XX/XXXX to XX/XX/XXXX. The card was issued connected to my XXXX credit card account. On XX/XX/XXXX, I fired the contractor, who left the work sight immediately with the Lowes credit card with his name on it. He left so quickly that I did n't get the card from him. I immediately called the local Lowes store and requested that his name be removed from my Lowes account. I was told to contact XXXX XXXX directly to handle this and I placed a call to them that same day - XX/XX/XXXX. I explained the situation to the bank, asked to have his name removed from my account as an authorized user, and verify that he would not be able to use that card again. XXXX XXXX removed him from my account that day and assured me that he would not be able to use that credit card again. I made it very clear that I needed to be assured that he could no longer use that card since I had no way of retrieving the card from him. I was assured by the representative that his card would not be able to be used again. I had my office manager, XXXX, call XXXX XXXX either the next day after or 2 days later just to double check the status of that card, and she, too, was told that his name was no longer on the account and that he would not be able to use that card. I was not counseled by XXXX XXXX to close that account at that time, nor was my office manager who called shortly after me. When I noticed exorbitant charges on my Lowes credit card statement on XX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX, I immediately called XXXX XXXX and reported the unauthorized charges - amounting to {$14000.00} and closed the account. A Fraud investigation was initiated. When the first Fraud investigation report from XXXX XXXX arrived, it said that they were not able to accept my claim because I " released account information to a third party. '' When I called XXXX XXXX about the refusal to cover the fraudulent charges, they said that I should have closed the account or obtained the card with the contractor 's name on it. This is something I was not told when I talked to them on XX/XX/XXXX, nor my office manager on XX/XX/XXXX. After receiving the denial of my claim, I asked Synchrony for written verification of the calls I made to XXXX XXXX on XX/XX/XXXX to remove the contractor as an authorized user on my account ( along with the representative 's assurance that the contractor would not be able to use that card ), and verification on XX/XX/XXXX that my office manager called them to verify the same information. In response to that request, I was sent a letter removing the contractor as an authorized user on my replacement account as of XX/XX/XXXX!!! In this letter, it advises me to retrieve the credit card in his possession, and if not possible, to close the account and establish a new one. I do n't know if this was a mistake or an effort to cover their grievous mistake. I had the XXXX XXXX reopen their investigation on XX/XX/XXXX including details that had been omitted by the police officer who took my report ( an over {$5000.00} communication error between the police officer and the Lowe 's Loss Prevention Manager resulting in a severe reduction of reported Fraud charges )! I am hoping that Lowes XXXX XXXX will own their errors and close out the balance on my account. I am seeking Legal action. The County 's Prosecutor is currently making a case against the contractor who made the fraudulent charges ( verified by the local Lowes store video cameras ) and hopefully he will be arrested.
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| 12/28/2016 |
Yes |
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- Credit card protection / Debt protection
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Web |
Older American |
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Sam 's Club credit card at Synchrony Bank compromised in XXXX system on XXXX/XXXX/16. XXXX fraudulent charges for XXXX XXXX watches sold by " XXXX '' used my Sam 's Club Credit card to pay the XXXX {$110.00} charges. Within hours, I noticed the illegal act and reported the card compromised to Synchrony bank and illegal take over of my account to XXXX.
Synchrony bank attested over the phone on my reporting the card compromised ( fraudulent use ) that : 1. The account would be closed and reopened with a new account number.
2. That the XXXX charges totaling {$230.00} would be reversed on the old account and the corrected balance of {$2600.00} would be transferred to the new account and new cards would be mailed out.
3. The service person revealed to me in this initial reporting of a compromised card that it was indeed fraud and stated that " It is tied to charges coming from the XXXX XXXX ''. ( Whatever that is, obviously a hacker in XXXX ) Then, on XXXX/XXXX/2016, the new cards did arrive in the mail to my residence with a new account number and remained un-activated and un-signed in the mailing envelope when NEW FRAUD was discovered in the account.
Today on XXXX/XXXX/2016, a monthly statement showing all prior activity in the old and new account was mailed to me via email and received in my email system. The new statement shows clearly : 1. Synchrony bank did not ever issue a credit for the XXXX fraudulent charges totaling {$230.00}.
2. Synchrony did in fact, aid and abet the fraudulent acts performed on my account by allowing both charges to go through, showing no credit whatsoever for the promised " credit ' during the XXXX recorded phone conversation. ( They state all of my conversations are recorded and I strongly suggest you order the conversations to investigate internally just how many more are mis-treated by this bank during fraud investigations ) 3. Therefore, Synchrony bank has issued an " over limit '' warning on my new account statement received XXXX/XXXX/2016 stating I was " {$110.00} over my credit limit. This is because they failed to reverse the XXXX fraud charges as promised. During phone conversations both general phone staff and fraud department staff did multiple audible apologies to me. These apologies do n't repair the credit bureau damages.
4. The fraud department says it will be around 60 days to investigate and see credit come back into my account. This is not only un-acceptable since they lied to me the fraud charges would reverse on the first day I called - but also against federal credit card statutes that protect me as a consumer.
5. I gave them an ultimatum to repair in 24 hours all legal damages, including permanent damage to my credit ratings as they will report being " over the limit '' to all bureaus due to their incompetence and lie that the fraud charges had reversed.
6. I have decided to report this incident without delay as I do not trust anything they have said to me to date and could care less about this credit issuing company or what they try to do to me for reporting their mis-representations stated to me by phone and wrongful acts that will hurt my credit score during a time I am shopping for a new vehicle as well as planning on purchasing a new home.
Perhaps an audit of their accounts will reveal others being abused and illegally treated as I have been. I have a zero tolerance for taking any loss or being caused any damages for fraudulent acts committed against me, my credit, my good name, etc.
Federal consumer laws have been broken here and I ask for full and complete restitution with the help of the US Government.
Thanks!
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| 09/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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In XXXX XX/XX/2021, I contacted my credit union, XXXX XXXX and spoke with them regarding my accounts as I wanted to take a loan to create a bathroom that would be XXXX compliant for my XXXX year old mother who was just diagnosed with XXXX XXXX. They were happy to make a loan for me. Once they had done that, I asked them about my Mastercard that I held with them. They told me that because of my stellar record of payments, they would reduce my interest rate to 10 %. I was very pleased because I had a high balance on my Synchrony CareCredit card due to XXXX XXXX not sending my reimbursements appropriately. I spoke to XXXX XXXX about using my Mastercard and doing a balance transfer from Synchronys CareCredit to my XXXX XXXX Mastercard and that was perfectly fine with them.
XXXX XXXX sent the payment on AugustXX/XX/2021. I called Synchrony every few days to find out it if it had posted yet as I have two dogs who are not well and I wanted to pay my upcoming vet bills with the CareCredit. Finally on Monday, XXXX XX/XX/2021, I was told that the payment had posted, ( The account actually showed a {$390.00} credit on the account because of interest ) however I was told there was a hold on the account. At that time, no one told me why. I was told that if the XXXX XXXX folks sent a fax with the information that the money had left their bank and processed that the hold would be released. I immediately called XXXX XXXX and chatted with them. Because of the seriousness of my dogs illness, they were very kind and immediately sent a fax to Synchrony stating that the money had been sent. I called Synchrony back and told them the fax was sent and was then told it would be the next day until it was posted. I called back the next day. This time I was told that there was no transaction number on the fax and they would need to send another fax with all the information. I called my credit union back again. I explained what was requested and also asked that they send me and Synchrony Bank a copy of the check. I received that copy in my XXXX XXXX Secure Email that afternoon.
So, what Synchrony did, was they took the copy of the check that the credit union had faxed to them, and they applied it as a payment to my account not once, but TWICE! So suddenly I had a CREDIT of {$15000.00} on the account!!! Whats worse, is when I called Synchrony to see what the heck happened, the operator who answered said, Good afternoon, I see you have a credit of {$15000.00} on your account, would you like us to send you a refund check? I was floored!!! I said, If I was to do that, I would be committing fraud!!!
So where am I today? I have spent almost 14 hours on the phone with Synchrony bank over the past two weeks. I have spoken with three managers who could have cared less about what was happening!! I have never felt so unimportant as a customer. I have spent 5 hours on the phone with XXXX XXXX XXXX XXXX. Synchrony closed my account because suddenly now because of all of THEIR errors, I am considered a HIGH RISK customer. Theyve closed my CareCredit, Ashley Homestore, Lowes, and TJ Maxx accounts. They have RUINED my credit! I explained the situation to the second manager and told him I needed my CareCredit card because my dog was just diagnosed with XXXX, so he told me to go online and open a new account. My guess is he allowed it to be opened, however, when I went to use it, it has a hold on it and it is unusable.
ALL I DID WAS PAY OFF MY ACCOUNT, AND NOW SYNCHRONY BANK HAS RUINED THE CREDIT I HAVE WORKED SO HARD ON. I pay my bills. I have done what I was supposed to do and now I am in XXXX because of all of this.
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| 12/13/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
Older American |
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In XX/XX/XXXX we purchased patio furniture from Rooms To Go and took advantage of their 36 month NO INTEREST financing. In XX/XX/XXXX we purchased additional patio furniture from them and took advantage of their 24 months NO INTEREST financing. Both purchases were financed through Synchrony Bank.
There were problems from the start. On XXXX the entire remaining purchase amount of {$5000.00} was unexpectedly debited from my checking account. I immediately called Synchrony customer service. After a lot of time on the phone, they finally agreed to cut me a check and snail mail it to me. They told me to be patient - that this would take some time to get approved and through accounting. I gave them my temporary address for the summer to mail it to. This Synchrony rep ( XXXX ) told me that the refund would definitely be processed and to just " sit tight ''. For many weeks, I called repeatedly to get a status report. On XXXX a rep ( XXXX ) told me that the refund had NOT been processed, but that she would do the paperwork. Finally in a later call, I was told by another rep that a check had been cut but sent to the wrong address. Eventually the check was forwarded to my summer address and received on XXXX. In hindsight, this long time period where they were fixing their first mistake may be where the problem started.
Auto pay had been set up, and I received notices that my payments were going through. I never received paper statements and never checked my online statements because my payments were going through and it was a NO INTEREST loan! However, upon recently checking my online statement, I saw that my Synchrony account had interest charges! In fact, on the XXXX statement the interest charges are at {$740.00} ( they're charging 29.99 % )! As soon as I discovered this, I called customer service to notify them of their mistake and asked for a reversal of all interest charges. After multiple attempts to speak with a supervisor and even hang-ups from more than one rep, I finally got a rep who took the time to look over the account and agreed this was a no-brainer. He went to a supervisor and the supervisor agreed that the charges should be reversed. He told me to sit tight - that this could take a while. He said the charges would be reversed, and to check my online account in a couple of weeks. I checked almost daily, and no adjustments were made with my account and no communication.
I did, however, receive a letter in the mail from Synchrony on XXXX ( attached ) which requested more information. I thought this could be promising. I completed the form explaining the situation ( for what felt like the hundredth time ) in writing on their form ( attached ). To my surprise, I received a form letter from them on XXXX ( attached ) which does not address the interest charges at all!
I have tried to get names and emails for higher ups in the organization but have not been successful. Yesterday I found a " secure portal '' online. I sent them a message letting them know how irate I was at this point with their lack of responsiveness and seemingly fraudulent business practices. I don't really expect them to care or do anything at this point. In fact, I recently looked online, and they apparently have MANY unhappy customers, some claiming fraudulent business practices. Not surprising - right? In addition, in attempting to get help from the Rooms To Go manager, I got the impression that he has had other customers run into similar issues with Synchrony.
Thank you for communicating with the company on my behalf. It seems that escalating this may be the only possible way to get it resolved.
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| 05/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
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On XX/XX/XXXX ; I activated an Old Navy credit card through Synchrony. I have consistently paid on this card ever since opening the account.
During the Fall of XXXX, I was examining my statements and noticed a " card security '' fee on each statement. I called Synchrony and was told that I was enrolled in an optional program through Card Security ( XXXX XXXX XXXX ) when I activated my card. When I prodded more, I was told that I enrolled over the phone when I activated my card. I told the rep that I was not aware I was enrolled and did not recall requesting to be enrolled. The rep told me I needed to contact XXXX XXXX. This rep also told me that I had paid {$8800.00} over the time period of having the credit card to XXXX XXXX.
I called XXXX XXXX on XX/XX/XXXX and cancelled my enrollment.
After thinking about it more, on XXXX XXXX, XXXX, I called Synchrony again to let them know I was unsettled by all of this. I do not recall enrolling and contrary to what I was told by reps, I never received information in the mail regarding my enrollment. I was told, again, to contact XXXX XXXX.
I then started the saga with dealing with XXXX XXXX, which has been ongoing since XX/XX/XXXX. After I questioned my enrollment, I was refunded {$1400.00} on XX/XX/XXXX. They could not tell me how they came to this amount, as it was a " calculation. '' I've been told repeatedly by supervisors that this amount was all they could do, and that something would be submitted to the resolution department.
I pressed more stating I wanted a further/full refund and actual proof of enrollment, eg the recording of the phone call in which I activated the credit card.
On XX/XX/XXXX, I received an email ( this has been the only follow up communication from them XXXX with an attachment of " proof of enrollment '', which was really just a letter stating that I enrolled over the phone.
Since requesting this, I have followed up with XXXX XXXX on the following dates ( I will note that I have been told numerous times that someone will call me back/follow up. I have never heard back. Every time I call, they apologize, say my issue will be escalated to the Resolution Department, and that someone will follow up with me in a specified time frame. The time frame consistently changes- sometimes 1 business day, 2-3 business days, 3-5 business days, 5-7 business days, and 7-10 business days. I generally follow up only after the timeframe that I'm told someone will follow up ) - XXXX XXXX, XXXX ( initial cancellation ) XX/XX/XXXX XXXX XXXX, XXXX ( received {$1400.00} refund ) XXXX XXXX, XXXX XXXX XXXX, XXXX ( initial request of full refund and proof of enrollment ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( received an email stating I enrolled over phone ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In XXXX or XXXX of XXXX, I called Synchrony again asking to aid in the process. It was their credit card, so they have some responsibility in this. Again, I was told I would have to contact XXXX XXXX and that Synchrony could not help or provide a refund.
My request has been the same since XXXX XXXX, XXXX a full refund due to not consenting to be enrolled in XXXX XXXX and ( if it exists ) proof of enrollment. At this point, I can not help but to think this is fraudulent. I get the runaround every single time I call -- it's being processed, someone will contact you, I can put in an escalation, etc.
|
| 04/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Billing dispute for services
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Web |
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XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX To whom it may concern : This complaint is towards PayPal Credit ( XXXX XXXX XXXX XXXX ) I realized it was time for me to get assistance for this issue when this company deliberately refuse to put my money to the account to pay off the balance of the regular purchases. They want interests money, to fleece their customers.
The last date I contacted PayPal was XX/XX/XXXX, prior to that I would call and call even on Saturday each time I was told the money would be applied to the proper account I would check online only to find no changes they would put the money towards the promotional balance even when it wasnt due. I would explain I wanted the regular purchases amount to be paid also that was the reason for paying the extra amount of money to cover the promotion balance and the regular purchases amount to keep from paying interests. The XXXX promotion is not due its a prime example of what they do but there is money that is not been accounted for that I have paid and I want to know where is the XXXX. What has this company done with my money?
This would have been avoided if customer service would have been honest in posting my money where I requested. There is money unaccounted for in the amount of XXXX that I have paid.
Since the beginning of the year, I have had a problem with customer service posting my money to the correct account. They refuse to put my money where I request to pay off the regular purchases as well as the promotional balance. There is special promotion finance where customers have six months to pay without interests also regular purchases if customers can pay within 30 days without interest. Each representative says something different each time I call. On XXXX, XXXX the promotion amount was XXXX I paid XXXX, I did not have a promotion for XXXX, but I paid XXXX XX/XX/XXXX. XXXX there were two promotional balances XXXX, I paid an additional XXXX on XX/XX/XXXX I paid XXXX, XXXX promotion wasXXXX, I paid XXXX now I have paid XXXX. The total of promotion is XXXX XXXX = XXXX - XXXX = XXXX the balances towards my regular purchases. Customer services refuse to post the XXXX towards regular purchases in the total amount of XXXX instead they paid a portion of XXXX promotion amount XXXX leaving a balance of XXXX. There is money I have paid that is not being accounted for only XXXX was paid towards the XXXX promotion ( is not due ) leaving the balance of XXXX, only XXXX was paid out of the XXXX so where is the XXXX, it was not applied to the regular purchases, where is this money? Now because of their inappropriate conduct, they have charged XXXX also they have increased the regular purchases to XXXX this is a made-up amount. These are the regular purchases I made and date XX/XX/XXXX, amount XXXX XX/XX/XXXX, amount XXXX + XX/XX/XXXX, amount XXXX + XX/XX/XXXX amount XXXX + XX/XX/XXXX amount XXXX I did not see where I was given credit for these three amounts of XXXX so I added them to the total amount of XXXX. There was an error in my calculations in the purchases amount it is XXXX instead of XXXX.
I have not charged anything to the regular purchases since XX/XX/XXXX purchases and never will anymore. I have paid the regular purchases customer services refuse to post the money to the account. This is wrong and unethical for this company to miss handle customer 's money who are paying their bill this is bad and unfair business practices.
I have attached documents from my bank statement. Thank you for your time and patience I tried to make this information easy enough for your understanding.
Thank You XXXX XXXX
|
| 08/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
The problem started on or around XX/XX/2018. I have overseas family and decided to accept a credit solicitation by XXXX which is backed by XXXX XXXX. I specifically said I wanted a card to use for my overseas account. Synchrony approved my request. They stated if I had a problem receiving my card to let them know immediately. I never received the card! I gave them a call. " No problem '' was their response. I waited until ten days. I called again and received the same response. Same thing several times. Finally on or around XX/XX/XXXX I received a credit card. I regularly check my credit. All of a sudden I had a 23 point drop on my report! I have consistently paid on or before due time. My credit rating is " good '' and I expected a few drops in points due to new card but 23 points? I checked my report. Without informing me they would report that I had opened a new account every time I called to inform them I had not received my card. I have spent countless hours to get this corrected. Another problem, card I received would not activate! They are " working '' on the problem they say. I have encountered several false statements. ( documented )! XX/XX/XXXX,, " fix problem '' dropped 3 more points because 5th account added to my report without authorization. shows I opened 5 XXXX credit cards in a month! went from a XXXX to a XXXX on my credit report. They need to fix this! I wrote the credit bureaus pointing out this error. Nothing has been done. I have spent over 24 hours dealing with Synchrony and XXXX. I want the credit card I spoke for which meets my overseas need without further harm to my credit report, I want my credit report fixed and I expect companies I associate with to be ethical in their dealings with me. I am a good customer to XXXX XXXX and an excellent patron to XXXX. I need for them to appreciate me and to see that my credit report accurately reflects my business dealings. Remove all but one of the credit cards listed on my credit report, restore my XXXX card and exchange if for one that meets my needs without further compromising my credit report and return the points dropped because of Synchrony 's false report. The credit bureau 's need to repair their reporting to reflect that those five accounts are removed! I wrote this concern to them and have heard nothing. Anyone with a reasonable mind would know that I personally did not open five XXXX cards in one month. This needs to be a priority for Synchrony, XXXX and credit bureaus. I personally wrote XXXX and XXXX. I am still waiting for a response. I also feel that offering the consumer a viable phone number for emergency credit situation should be made available by these bureaus who hold your life 's work in their hands. They should have to provide answers for placing items on your credit file without your knowledge. XXXX XXXX XXXX reporting personnel need better training! Any reasonable person knows a person does not open the same account five times in a month! Someone sat there and pushed the " add '' button instead of the " subtract '', obviously. I want to say I am beyond appalled! These comments are my experience as I interpreted it, spent hours on the phone and writing letters, told constantly the problem would be solved and this perception is my interpretation and to the best of my knowledge truthful. The personal experiences I described are heavily documented. This letter is a recourse I considered after exhausting all other options! My credit report and its accuracy is extremely important to me and when a company places something detrimental they should be required to report it to me immediately!
|
| 03/20/2017 |
Yes |
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- Credit card protection / Debt protection
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Web |
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I have a complaint against Synchrony Bank with their Care Credit, credit card that I signed up for at my dentist 's office to pay for my XXXX. Initially, I had no problems logging into my Synchrony Bank account and making regular payments. The credit was for {$1000.00} and I was making {$100.00} payments each month. Unfortunately, one day I was no longer able to sign into my account and there was no " forgot password '' button there at the time ( they have changed it now so that there is that option ). I had been using my XXXX chain password feature so that my password would just appear when I logged in. Thus it is extremely peculiar that the password was not accepted and with there being no " forgot password '' option at the time, I could not reset the password. I wrote a letter to Synchrony Bank. Written correspondence to them became my primary way of letting them know what was going on. They did not help me but instead harassed me with constant phone calls to solicit payment. I ignored most of them because I am a XXXX and was working full time at the time ( I now work part time ). I also do not like phone calls in general. I started writing Synchrony checks and mailing them in. Without the ease of being able to pay online and just the hectic nature of my life, this incurred interest and late payment fees. This process recurred a couple times with the constant barrage of calls from them. In one instance, I had sent them a check in XX/XX/XXXX and they still kept hounding me for money. They even sent me to collections. I had to write to the debt collections agency XXXX after they started hounding me for money, too. Afterwards, I saw the money taken out of my account for the check I had written back in XX/XX/XXXX. Usually I am able to view check images through my XXXX account, but for some reason that one does not show so I can not prove the date on the check, only the date the funds left my account. Throughout this ordeal, I wrote Synchrony letters letting them know about my issues with accessing my account online and requesting help to reset it and gain access to it somehow, to which I was told they were unable to due to security reasons. I asked multiple times for all communication and statements to be mailed to me since I could not access my online account, but I kept getting emails that I had a new message on my account ( accessing them required logging in, which I could not do ). I noticed in XX/XX/XXXX that they had the " Forgot Password '' button on their login page and I pressed it but when I had to enter my social, I got an error message from their site saying it was incorrect. I know my social security number. I am not sure how my information on their end can suddenly change in both the instances of my auto-filled password, and my own social security number. I took screen shots of those. I also had pictures of all the letters that I had sent them but unfortunately, my phone was stolen on XX/XX/XXXX at a XXXX gas station in XXXX, and I do not have those photos. I do however, have screenshots of the error screens during login, and also an email I sent to the debt collections agency detailing my end of the story. Because of Synchrony Bank 's negligence and lack of help in providing me access with my online account, and holding onto my check until I accrued significant interest and late fees, sending me to collections, my credit score has taken a huge hit. I am writing to you because Synchrony sent me a letter saying they found they did nothing wrong and will not help me. I would like my credit score rectified, if possible, and the collections taken out of my report.
|
| 03/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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RE : Synchrony XXXX XXXX XXXX XXXXXXXX Synchrony XXXX XXXX XXXX XXXX Synchrony Networks ACCT # XXXX Synchrony Bank is reporting inaccurate information on my credit report. I have been fighting this injustice for 3-months with the credit reporting agencies. XXXX finally realized that Synchrony has been reporting inaccurate information on these accounts for the past 3-months and verifying the information as accurate. So, XXXX recently removed these accounts from my credit report.
XXXX and XXXX are still reporting these accounts inaccurately because they insist Synchrony has verified the changes as accurate. They are pushing the blame back on Synchrony.
I was also told that I could file an OCC complaint since Synchrony is a bank. Please advise if I need to go ahead and start a complaint with the XXXX now. I am trying to move fast on this matter since I have been dealing with this injustice for the past 3 months.
These reporting errors are serious because they are grossly inaccurate and inconsistent. I have also been denied credit and delayed onboarding for new employment. Also, my good payment history is being wiped out every month XXXXynchrony resets and reports these accounts with a new Major Delinquency. This has to end now. Not only is this morally wrong. This is unjust and illegal as provided by FCRA law.
Synchrony has verified the following changes as accurate for the past 3 months : changes to the Date of First Delinquency dates, changes to the charge-off/Major Delinquency dates to reset the Major Delinquency, changes to the late payments reported, and erroneous on-time payments that are resetting the Date of First Delinquency and Major Delinquency on these accounts.
Synchrony has reported these accounts as negative for more than 36 months and charged-off for 34-36 months. Now, Synchrony is knowingly reporting these accounts as newly charged off.
During the CFPB investigation that I filed against XXXX and XXXX for these accounts, XXXX is on record in a Company Response post stating that Synchrony verified each reporting change/update as accurate for these accounts. The statements were made on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since XXXX and XXXX have informed me on several dates within the last 3 months that these changes were verified as accurate by Synchrony, I am asking for Synchrony to provide proof that these updates are accurate OR delete these accounts immediately as provided by FCRA law.
Synchrony must produce evidence that their current reporting is accurate OR delete these accounts from my XXXX and XXXX reports. If Synchrony does not comply with either, there is grounds for me to sue for malice since Synchrony consistently verified these changes as accurate for the past 3 months.
To be very clear, Synchrony needs to provide proof of the erroneous on-time payments that they are reporting from XXXX ( shown in XXXX reports attached ) and proof that these accounts were charged-off in XXXX and NOT XXXX. If Synchrony can not, they are required by law to delete these accounts.
I have attached the following evidence along with a PDF copy of my complaint : XXXX summary overview with documentary evidence of the changes made to my XXXX and XXXX reports based on the information provided by Synchrony and verified by Synchrony as accurate.
Adverse Action letters that state I was denied specifically for recently experiencing a charge-off and recent and severe delinquency XXXX and XXXX Payment History documentation that shows my good payment history being wiped out every month due to Synchrony reporting these charge-offs as new
|
| 01/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XX/XX/XXXX I started a chat with Synchrony Bank for an Amazon Credit Card account I currently have. I stated that they reported my account incorrectly. I told them that each month my statement goes in the last day of the month and the balance ( statement balance ) at that time is reported. I told them for some reason they reported my account twice within days the first one showing the prior months statement balance {$0.00} then a few days later reported again showing my current usage $ 200+. I said this is not right this is not how this has been done in the past and it is impacting my credit score. The month of XX/XX/XXXX, I purposefully paid the full balance with the notion that I would have a {$0.00} statement balance on this account while I hold a higher balance on another credit card account. I stated I manage my report this way every month and I was not happy. They told me they understood and they would review my account but never stated that they would or needed to pull my credit report. They never asked my permission which would have also allowed me the right of refusal. Then a day later all of my credit reporting apps alerted that I had a new inquiry. To my surprise they pulled a hard inquiry on my credit report. This really upset me because I felt like I should have been alerted/asked if I wanted them to place a hard inquiry on my report. More importantly why should I have to suffer another XXXX point blow because of their erroneous tatics of reporting all of a sudden. I filed a dispute with XXXX and they denied my attempt to remove the inquiry. I filed a complaint with the XXXX and again they denied my attempt to remove the inquiry. All of their reasoning is that they have the right to pull my credit file which is true to a degree. If I am applying for new credit or a credit limit increase they have the right to pull the inquiry. But they are still required to ask my permission to pull the hard inquiry prior to, which they did not do. Oddly enough, they did not pull a hard inquiry when I did an online request for a credit limit increase and yet they still asked for my permission to authorize the soft inquiry. But they pulled a hard inquiry for me reporting that they reported my account in a manner that was inconsistent compared to the last few years of reports they have made on my behalf. Then to make matters worse each time I attempted to dispute the fact that they reported my account incorrectly they updated my credit usage dropping my credit score even more due to high utilization but they didnt pull another hard inquiry. So again I dont see the consistency.
First you say you can report any time my credit account as long as the amounts are right so therefore you wont change the balance. Then you say you can pull a hard inquiry every time you review the account. So therefore you wont remove the inquiry. But everytime after the initial dispute you update my usage which is abnormal to report on an account multiple times in one month/billing cycle. If I pay the XXXX, XXXX XXXX, and XXXX no trade line is going to report every payment each day that I lower the balance. The report will populate at the end of the billing cycle 1 time with 1 balance at the cut off point. So with that said the trade line should not be able to randomly report my usage anytime I borrow against the account. If thats the case most people would not use credit because this type of reporting would cause too much volatility and would make what would normally be a consistently good borrower appear to be risky simply because they are using the credit that they were already approved to borrow.
|
| 08/07/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/2020, I purchased online a XXXX XXXX Laptop computer from Amazon. Upon receipt of the Laptop on XX/XX/2020 and after attempting to install some custom software that I use, I found that the laptop would not run my custom software programs. Laptop was reset to factory settings and laptop was returned. During this time, during the XXXX season Amazon made an arrangement with XXXX Department stores that a person could take any item that needed to be returned to XXXX and XXXX would take responsibility for the repacking and reshipping of returned items back to Amazon at no cost to the consumer. I returned the Laptop to the return dept. at our local XXXX Department store and was given a returned receipt ( which I have included a copy ) to prove my return. I had used this same service for another item I ordered online from Amazon and returned with no problem. During this time, Amazon has also sent me a gift card of which I assumed I received because I was a member of their Prime program and had ordered quite a few items from them. I did not request the gift card, they just sent it to me. I also did sign up for their credit card which I did use to purchase the laptop. The total cost came to {$300.00} Upon the return of the XXXX XXXX, I later received a bill for {$190.00} from Syncrony Bank which issues the Amazon Credit Card I used for the purchase. I called Syncrony Bank and explained that I had returned the laptop and Amazon had accepted the return. They told me that I still owned them {$190.00} for the purchase of the laptop and I should call Amazon customer support to work this out. I called Amazon and was told that I needed to clear this up with Syncrony Bank. I explained that I had already spoken to them and they had told me to call Amazon Support. To make a long story shorter, I called both sides about six times and was given hard to understand double talk about why I still owned Syncrony Bank the said amount for a laptop that I returned in good order ( factory reset ) within two days but still owed on the laptop. I was told that Amazon placed part of the return cost of the laptop into my gift card but did not cancel the balance of the return amount. I questioned Amazon about this and how exactly their gift card program works but could not decipher what the person was saying to me. ( judging by their accent, I was not speaking with anyone in the United States ). So I let it go about contacting both Amazon and Syncrony Bank because of the consistent double talk explanations. My argument is that the entire purchase that was returned should have been cancelled and if they did put some of the costs ( why they would do that I have no idea ) into the gift card they gave me, they should have explained that to me instead of automatically doing what they did without explaining it to me and automatically doing it without my permission. And although I have a high credit score, I am refusing to pay that amount of money to Syncrony Bank for a laptop that I do not have in my possession. It would be just giving my money away. So unless theres some bizarre reason that Im liable for this situation, I have not sent them any payment even though they are harassing me for payment and threatening to cause a lowering of my credit scores. In order to protect my credit scores it appears I will be forced to make payment unless something can be done to rectify this situation. I would like to have your office look into this for me. Perhaps they will give you a clearer response and explanation than I am getting from them. Ive attached screenshots of proof that I returned the item to Amazon.
|
| 07/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
In XX/XX/2021, I called Synchrony to address a bill that I received in the mail for a charge I never made in the amount of {$1000.00}. This account was closed, so they reactivated it without my permission. During the call, I was informed by their customer service staff that they had mailed me a check for {$1000.00} that I never requested. I had not received the check at the time of the call. The staff person advised that the check was still in transit, so I should wait for the check, deposit it and then make the payment for {$1000.00}. I received the check later in XXXX, deposited it and called them to make the payment. During that call I was advised that they had charged late fees. I was very clear with the staff person that I would not pay any fees for a transaction that was their error, and gave authorization to make an electronic payment in the amount from my primary bank, XXXX XXXX. I was told that the payment went through, and my account was up to date ( except for the fee which they would handle later. ) In XXXX ( or XXXX ) I started to receive bills for the same account in the {$1000.00} plus fees. I called again, went through with customer service, was told it was their error and it was corrected. A month or so later I got a bill again for the {$1000.00} plus fees. I called again and asked to speak with the manager on duty. Long story short, they acknowledged their error, apologized and he promised that it was corrected. He refunded all fees and even sent an apology card. A month or so later, I got a bill for the {$1000.00} plus fees. I called again, was given the run around, and was advised that XXXX XXXX needed to send them confirmation that the payment was made. I called my XXXX XXXX who advised that this was not something that was done. They advised that this was very unprofessional, and advised that I file a claim. I followed their recommendation and filed a claim that Synchrony was claiming to not have money that was taken out of my account. A month or so later, I received a letter stating that I loss my claim because Synchrony provided proof that the bill was legitimate. I was livid because I never said that the initial bill was illegitimate. My issue was that they took money from my account that they were not giving me credit for. ( At some point during this process I also learned that Synchrony took {$1000.00} from my XXXX XXXX, which was the balance plus a fee. I absolutely never gave them permission to take that amount from my account, so on top of evening else they had taken money from my account that they were not authorized to take. ) Once I got the notice that I lost my claim, I called Synchrony again, and then called XXXX XXXX on a 3 way call. During that call i learned that according to Synchrony they had charged the payment and had it reversed by XXXX XXXX on at least three separate occasions, but all except the very first payment were marked as provisional. We all talked for over an hour, with the final agreement being that Synchrony staff would file a report with their accounting department, and XXXX XXXX would submit correspondence that the original payment was never reversed. Again, I started getting bills from Synchrony. The Synchrony representative called and asked that I fax my XXXX statement, because once again my Synchrony account was showing a provisional payment and a reversal. I faxed a redacted copy of my XXXX statement. It went directly to the manager I had been working with in addition to their accounting department. I received another reminder from Synchrony that I needed to pay my bill this week, so it still isn't resolved.
|
| 08/01/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Here 's the most ridiculous story happened to me for my Amazon Store Card at Synchrony Bank, I strongly recommend XXXX non-competent bank don't do business to harm and fool the rights of consumers.
Here 's what happened, there's a checking account I don't keep a lot of balance into, which I used to make payments to the Amazon Store cad, as not a lot of money going on over there, recently I got my new house and there're a lot of things I want to purchase from Amazon, due to I'm so busy recently, for these couple of months, there's are two times I failed to ensure the money in the checking which causing the fail of pulling the funds for payment, I re-submit payment right away using other banks, in general the payment history is perfect, no missing payment at all. In return for this, they closed my account without previous notice, without communicating their rules on rejected payment at all previously.
This is extremely unreasonable behavior, and all my purchase plan had been screwed up as they refused to re-instate my account, and they need me to re-apply! Does that sounds ridiculous ... I've never heard a big bank with good reputation do things like that as I have so many different credit cards and never had that issue. No communications, just closed your account due to a very XXXX reason, and customer service really bad, nobody is helping.
I don't understand the fame of Amazon, why they had chosen such a XXXX bank for business?? Synchrony bank is really ruining the reputation of Amazon, if it's not recommended by Amazon, I won't do any business with such a type of bank, nobody had never heard of if Amazon don't use them.
Now the key takeaway here is : 1. I don't think it's a really issue at all if you fail to ensure the sufficient funds at the bank to pay, I realized that and make payments using other banks right away. The point is I never missed any payments.
2. The bank do whatever they want to close your account, they can literally make any rules that nobody had realized before, after the first rejection of the payment, they did not give me any warning at all regarding the possibility of closing the account. They only allow this happen once in a year, twice you are done, nobody can save you, and nobody will warn you about this when the first time, it's like a scheme!!
3. As a good credit card company as I've went through these so many years, they've done a lot and trying to do more and more for their consumers to win business and win reputation, it's so funny that I see a credit card company couldn't wait to close their customer 's account, if I cost them a million dollars, yes everybody will, but do I?
4. Due to the customer behavior change, every other credit card company will do more and more to satisfy the customer 's needs, they will even use AI to learn more about your needs to satisfy more, as I got my first new house and I need a lot of tools from Amazon, an increasing amount of purchase during recent time is very reasonable and understandable, I'm trying to catch up with payments so I'm paying more frequently, but forgot about the insufficient funds as too much stuff going on. They don't offer any solutions other than re-apply. Do you think I'm going to spend my credit again on this bank?
5. Be aware of store cards run by small banks. Big credit card companies like XXXX or XXXX, if they do things like that, they will lost their business absolutely. Those small banks don't care because they are protected by large retailers to guarantee their business, that does not seem like a good option anymore as those banks are really bad-operated.
|
| 03/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
Synchrony Bank needs to give me access to my XXXX ( # XXXX ) and CareCredit ( # XXXX ) card accounts.
Its system does not recognize my login. For my CareCredit account, I have to log in as a guest. Before I received a paper statement, I could not do the same for my XXXX account because I never had a physical credit card. I didnt know the 16 digits of the card to log in as a guest. Through other cards, XXXX and XXXX credit cards, I have received unauthorized charges for purchases on XXXX. For this reason, I have to verify if the statement is not fraudulent.
Synchrony XXXX Credit card On XXXX XX/XX/XXXX, I received an email from Synchrony Bank stating I had a {$32.00} balance. Because I last used the card quite some time ago, I tried to log in to verify the charges, but the system stated that the account was unavailable at that moment and that I should try later. I didmany, many times.
I contacted Synchrony XXXX customer service and could only reach their electronic system. I needed help getting a human customer representative to reset my login information. I contacted them many times by phone. Once, I could talk to someone who immediately transferred my account to XXXX customer service instead of XXXX Synchrony Bank. The XXXX representative stated they had no access to my XXXX Synchrony Bank.
Again, on XX/XX/XXXX, I received a new email stating that my balance was now {$62.00}. Once again, I contacted the Bank through their website and by phone. When I logged in, their website kept giving me the same message : It was unavailable, and I should try later. This time I took a picture I am attaching.
Once again, on XX/XX/XXXX, I received a new email with a {$100.00} balance. On XX/XX/XXXX, it increased to {$100.00} None of the attempts to login into my account or to talk with a human customer representative have been successful. The emails only provide the last XXXX digits, but I needed the whole account number to log in as a guest.
Due to their lack of available customer service for their clients, I still need to be able to verify if the charge is mine or if it is fraudulent, as have been the charges in my XXXX and XXXX credit cards.
A week ago, I received a paper statement that included the XXXX digits needed to log in as a guest. I paid the original {$32.00}, even though I wonder if it is a valid charge.
Synchrony XXXX has seriously damaged my credit score. They reported a lack of payment, and my score dropped XXXX points.
Synchrony CareCredit card On XX/XX/XXXX, I accepted a CareCredit XXXX XXXX XXXX in which I would not pay interest for six months. In XX/XX/XXXX, when the promotion expired, I tried to login into my credit card account, but it was freezed. After several login attempts, I could not pay the monthly charge and received a late fee ( {$29.00} ). The Bank locked me out of my account, and I could not transfer the balance to another card, as it was my intention when I tried to pay my bill.
On XX/XX/XXXX, CareCredit received a Balance transfer of {$3600.00} from my XXXX Account, which paid the balance in my CareCredit account in full.
After receiving the full payment due on XX/XX/XXXX CareCredit, it charged me {$700.00} in interest.
Attempts to contact them by phone were unsuccessful. Their electronic Answering system does not allow talking to a human that can resolve any problem the customer needs to address.
Since XXXX, once or twice a month, I have contacted CareCredit by phone to fix my login information because it is difficult to go around their system to pay my bill as a guest because I do not have direct access to my account.
|
| 02/28/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
Dear PayPal/Synchrony Bank : Attached please find documentation for incorrect payment made through PayPal and funded from PayPal Credit account on XX/XX/2020.
On XX/XX/2020 my brother XXXX XXXX contacted me and asked to borrow {$500.00}. I said I would send money through PayPal, because it was fast and easy. I submitted my request, using XXXX ( XXXX ) XXXX phone number and a funding method of my PayPal Credit account. After I submitted the request, I received a confirmation that I had successfully sent {$500.00} to a XXXX XXXX. I was alarmed because I do not know a XXXX XXXX. I immediately contacted PayPal Customer Service indicating there was a mistake and could they cancel the transaction. You company basically told me Im screwed and it was my fault, I should have confirmed the email address attached to the phone number. Apparently, my brothers new phone number was still attached to an email address for XXXX XXXX. I had no idea this could happen. I ended up sending my brother another payment, you will see 2 transactions for same amount ( {$510.00} ), on same day. The second payment I used my brothers email address and everything went through ok. I am now out of pocket {$1000.00}.
On advice of your company, I submitted a dispute for an unauthorized transaction on my PayPal account for the payment to XXXX XXXX and received correspondence within 48 hrs that there was no unauthorized use of my account and your company wasnt going to do anything. I called PayPal back and a nice representative answered the phone and told me there was an option for resolution, since I funded the payment through my PayPal Credit Account. She said I could dispute the charge through PayPal Credit with a Reason of Goods and Services Not Received and PayPal Credit would charge back the merchant and credit my account because it was made in error and I hadnt received any goods or services from XXXX XXXX, dont even know who this person is. I was given the phone number to PayPal Credit and they opened the dispute, they indicated it could take up to 60 days for resolution. I also filled out the dispute form online and mailed/faxed dispute documentation to PayPal Credit Dispute Resolution.
Today, XX/XX/2020, I receive correspondence that you need documentation of the sale to XXXX XXXX and if you do not receive within 20 days, you will consider the balance correct.
I am very disappointed with PayPal and Synchrony company. First, this is horrible customer service and dispute resolution handling. Second, there should be a way to cancel transactions made in error that are more convenient to the customer than running me in circles.
Please chargeback XXXX XXXX and refund my {$500.00} payment and the {$14.00} fee you charged me to process the payment to the incorrect payment recipient, the illusive XXXX XXXX. If you put yourself in my shoes, would you just hand out {$500.00} to a random person, no it is ridiculous.
Is this a scam that you have seen, where random people attach themselves to phone numbers to defraud honest PayPal customers out of their money? If so, I would consider this a fraud on my account and will gladly file charges against XXXX XXXX and PayPal for not addressing my concerns. I also plan to open a complaint against PayPal and PayPal Credit with the Consumer Financial Protection Bureau. This is definitely customer harm!
Please send confirmation in writing that you have charged-back XXXX XXXX and lets get this resolved.
Thank you - Sincerely, XXXX XXXX XXXX Loyal Customer for many years, lets keep it that way!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX
|
| 09/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
Synchrony / Carecredit - XXXX - {$8000.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to XXXX XX/XX/XXXX - delivered XX/XX/XXXX ( They have closed the account saying I still have money due ) Account open since XX/XX/XXXX - {$8000.00} limit ( securities = XXXX mths XXXX = {$640000.00} ) Synchrony / Carecredit - XXXX - {$7900.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to XXXX XX/XX/XXXX - delivered XX/XX/XXXX ( They have closed the account saying I still have money due ) Account open since XX/XX/XXXX - {$8500.00} limit ( securities = XXXX mths XXXX = {>= $1,000,000} ) XXXX XXXX XXXX XXXX - XXXX - {$3000.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to the XXXX XX/XX/XXXX delivered XX/XX/XXXX ( They have put a temp credit hold on the account ) Account open since XX/XX/XXXX - {$2800.00} limit ( securities = XXXX mths XXXX = {$250000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} endorsed money order sent XX/XX/XXXX - delivered XX/XX/XXXX Letter sent to the XXXX XX/XX/XXXX delivered XX/XX/XXXX ( They have closed the account saying payment still due ) Account open since XX/XX/XXXX - {$5200.00} limit ( securities = XXXX mths XXXX = {$500000.00} ) My accounting might be off.
I have recently come to the knowledge of the fraud that is happening with credit card companies and any " credit type '' accounts. ( Mortgage, Auto Loans, Utilities, etc ) As per 18 U.S. Code Subsection 8 also HJR-192 - All obligations are obligations of the United States XXXX meaning - when the gold was taken away from the people in XXXX, the responsibility of all debts became that of the United States XXXX there is no lawful monies and you can not pay a debt with a debt. To open my accounts- these companies took my signed application- which is a security obligation to the United States. These Securities should be registered with the Federal Register and the tax on them should be paid by the company " offering credits ''. They hold the Securities and try to compel me to to perform. What do they do? They send the bill to " us '' ( the sheeple ) for the taxes due.
I have opened accounts and been a " good little girl '' and paid every month when a presentment was made- not knowing that the coupon attached at the bottom should have been kept and redeemed. You sign the " coupon '' and send it back with a " tendered payment '' - whether that be cash, check, EBT, bank card. They are getting funds from me AND cashing in on the " coupon '' as well. Isn't this fraud? Pretending to be me and receiving the benefits that should have been transferred over to me.
Also- they give my information to " credit reporting agencies '' without my signed written consent to do so. Isn't all of this Aggravated ID Theft as well?
Since I have been reading the laws and getting to know all that has been going on- I have tried to send the coupons back - endorsed as Money Orders. I do not know if I did it correctly because there isn't notes on any of their websites that you can find on how they actually accept them. I have gotten nothing but debt collection calls saying I am overdue or that they don't accept negotiable instruments. All tender is negotiable instruments - how do they not accept them? If I have them endorsed correctly- they should be as good as any Federal Reserve Notes- but even better because they are backed with me as the surety.
I have sent these all off to the Treasury Department as Accepted for Value- but I believe they are way behind on their mail. I would like some remedy for these accounts ASAP!
|
| 11/03/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
From Florida Attorney General XXXX XXXXTo : XXXXXXXXXXXX ; Hello XXXX XXXX, The XXXX Attorney General 's Office received your correspondence regarding Synchrony Bank. We appreciate hearing from you, and I am sorry for your difficulties.
Our office has been in contact with Synchrony Bank and set up a process for handling consumer complaints. Therefore, I am forwarding your complaint to Synchrony Bank for review, and asking that the company contact you and our office on the outcome.
In the meantime, you may also wish to express your concerns to the Consumer Financial Protection Bureau ( CFPB ), the federal consumer agency which reviews complaints about mortgages, credit cards, and other consumer financial products and services. For more information about the CFPB or to file a complaint, please contact the CFPB by telephone at ( XXXX ) XXXX or online at : XXXXThank you for reaching out to Attorney General XXXX Office. We hope this proves helpful.
Sincerely, XXXX XXXXOffice of Citizen ServicesFlorida Attorney General 's OfficeXXXX, The CapitolXXXX, XXXX XXXXTelephone : ( XXXX ) XXXXToll-free within Florida : ( XXXX ) XXXXWebsite : XXXXPLEASE DO NOT REPLY TO THIS E-MAIL. THIS ADDRESS IS FOR PROCESSING ONLY.
To contact this office please visit the Attorney General 's website at XXXX and complete the on-line contact form. Again, thank you for contacting the Office of the Florida Attorney General.
XXXXINTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/2015Ken XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX : XXXXXXXXXXXX : Synchrony BankPo box XXXX, FL XXXX : XXXX : Credit servicesThis is UNFAIR and if it 's not ILLEGAL it SHOULD BE! I have had a revolvingcredit account with care credit, now Synchrony Bank, for over 6 years. Myavailable credit limit was XXXX. My account was paid ON TIME OR EARLY everymonth, NEVER MISSED A PAYMENT or NEVER PAID LATE. During the entire time I hadthis account my credit was poor and now is much better than anytime in the past5 years. I finally, after paying this account ON TIME OR EARLY every month for6 years and paying their rediculous interest fees, paid the account off in fulland had a XXXX balance. That was a month ago. Today I got a letter that theyclosed my account The letter states " based on our most recent review of yourcredit information, your care credit/Synchrony bank account has been closed.
Synchrony bank periodically reviews accounts based on its existing creditpolicies and standards and information provided by credit reporting agencies aspermitted by the fair credit reporting act. This decision is final and willappear as credit line closed by credit grantor. The reasons are based on yourentire credit history and not just solely your history with synchrony bank -principal reasons for making this decision- Serious delinquency and publicrecord or collection filed, too few accounts currently paid as agreed, numberof accounts with delinquency, proportion of balance to credit limits onaccounts to high. My credit WAS WORSE THE PAST 5 years than it is now. Theycould have closed my account, based on those reasons, when I HAD AN ACCOUNTBALANCE, but WAITED until the ACCOUNT WAS PAID IN FULL to do this. It 's NOTFAIR AND SEEMS ILLEAGLE. In 6 years this account was NEVER PAID LATE. My creditonly has old accounts that are at least over 5 years since there has been anyactivity. My credit is better now than at ANYTIME that I had the care creditaccount open, yet they chose NOW to review my derogatory credit and close theaccount. It 's because it was paid off. If they close a consumers account while
|
| 09/06/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
XX/XX/2023 XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank I live in XXXX ; California and I am a XXXX retired grandmother.
On XX/XX/XXXX of this year ( XXXX ) I went into XXXX located at XXXX XXXX XXXX XXXX XXXX California, phone # XXXX.
I had been looking at the XXXX XXXX XXXX XXXX machines for some time. On that day I purchased a XXXX XXXX machine. The cost including tax was {$2400.00}. ( Copy of Receipt enclosed ) Not a small amount for me as I am retired and living on a limited income.
The distressing part is this. I applied for credit to get interest free payments for 1 year through Synchrony Bank. My Credit was approved for {$10000.00}. The sales lady ( XXXX XXXX? ) then used the credit card number to make the purchase. She kept having trouble with the credit terminal and kept repeating the charge saying it was not going through. I asked her Are you sure you are not charging me 3x for the same machine? Her reply was no she was not because she was not getting a receipt of sale from the terminal.
You can imagine my shock when I received my first statement and found 3 charges for the same machine totaling {$7400.00}!!! ( Copy of statement included ) The greater shock came from the way I have been treated when I notified XXXX and Synchrony Bank. I called XXXX who gave me the number to the XXXX department and talked with the manager. She told me it was the credit companys fault. They couldnt do anything about it. I explained to her, her sales lady put the charge in 3 times. Still insisted it was a credit card terminal issue but she would notify her manager to see what could be done. I still needed to dispute the charge through Synchrony Bank. So, I did.
To my dismay I was told it would be a minimum of 60 days to resolve. That is ridiculous and here is why : When purchasing the machine, the sales clerk had to scan the serial number. If someone was to check they could easily see the same serial number on 3 machines!!!!!!!
I waited for almost 60 days to follow-up and was told it was not up for review for until the XXXX of XXXX. WHY??? This is not a difficult resolution to figure out.
We were getting ready to make a long trip for a family reunion and would be gone for 3 weeks. Right before I left, I received a letter saying I was being credited for 1 machine. I was charged for 3. ( copy included ). To date I have not received any credit so I called Synchrony again. I was told by a very nice lady that she could see the error the 3 charges and looked to see what happened. she told me they had only credited me for 1 machine and then recharged me for it. She would have to dispute it again.and it would take another 60 days. Are you kidding me? This affects my credit rating regarding debt ratio.
I am at my wits endYou all have a deficit in your process. It should not take this long and this much confusion to credit a mistake made by the sales clerk at XXXX or for Synchrony Bank to rectify it.
I am copying the CEO and Board of Directors for XXXX, Synchrony Bank CEO and Board of Directors and I have filed a complaint with the Consumer Financial Protection Bureau-Complaint Department XXXX
Somebody help me!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Synchrony Bank Board of Directors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau-Complaint Department
|
| 09/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I used my Care Credit at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. ( I'm not sure the date because I can't see my statements prior to XXXX. XXXX. ) When I was checking out I asked the woman who rang me up if I could do the 12th month option where I'd have 12 months to pay off the charge interest free. She said that wasn't a problem, handed me a paper and I left.
Around XXXX of XXXX, I got a notice that my " six month promotion '' was ending and I'd now need to pay off the promotional offer or I'd get stuck with the interest fees. I was completely shocked and not prepared for this. I contacted CareCredit on their chat and told them it was supposed to be 12 months, why is it saying six? The person I chatted with said it was six months and there was nothing Care Credit could do.
Since I wasn't financially prepared for this, this event caused a snowball effect that put me into debt. First, I had to go a few months without paying on my Care Credit since the monthly minimum was higher than I anticipated. Because of that, Care Credit reported this to the credit bureaus which put a delinquency on my credit report and caused my credit score to drop.
I saw in my account there was a way to get a lower monthly payment by answering a few questions. I did this and was approved for {$150.00} per month if I agreed to close my account. At this point, I was beyond frustrated and never planned on using Care Credit again, so I agreed. What Care Credit failed to tell me was how this was going to negatively affect the way creditors viewed me. Had I know this, I wouldnt have chosen to close my account.
Care Credit reported to the credit bureaus they THEY closed my account. That is a LIE. I closed it under their false pretenses. They also never disclosed Id be paying interest still. I just noticed yesterday Im still paying interest. They made it seem like Id pay {$150.00} until my account is paid off.
Unfortunately, the damage of doing business with Care Credit just keeps getting worse. Another one of my creditors told me I needed to pay {$1200.00} in three days or they lowered my credit limit. Other cards reduced my credit limit and I noticed my APR on some went up. This caused me to go further into debt and I was left with no option other than to consolidate.
Care Credit XXXX Synchrony Banks predatory way of doing business should be illegal and I feel they should be held criminally liable. After spending some time reading up on their unethical business practices, I see there are tons of people who are in a similar situation as me.
IMPORTANT POINTS : -The person I chatted with failed to let me know that I could file a complaint with Care Credit. I just came across this the other day. Had I known, there's a chance I wouldn't be in the financial situation I'm in right now.
-I 've used credit cards with major banks and none have a dashboard as confusing as theirs. I never knew what I was paying on or how it worked when the promotional balance expired. I asked them a few times but their explanation didnt make sense.
-Care Credit lied and reported that they closed out my account when I made the decision to do so.
-Care Credit made it look like the only downside of choosing to close my account is that I would no longer have access to it. They failed to inform me on how this would negatively impact my overall credit history and how current and future creditors view me.
-When I was approved for a min $ XXXX monthly payment, they failed to tell me Id still be incurring interest.
-Im unable to see my statements prior to XX/XX/XXXX.
-When I view my activity its blank.
|
| 01/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
In XX/XX/XXXX I received a PayPal Credit bill listing credit card charges and a payment due date. I do not have a Paypal credit card. I made 3 calls to Paypal during the busy holiday season, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During each one of these calls I explained to them that I did not open an account with them, it is fraud, and I wanted the account closed immediately. I also requested that a block be put on my account preventing any future accounts from being opened. During each call I was told that the account was closed. I was also told that I could be the " fraudster '', even after I was made to provide my name, address, phone, and social security number. I was also constantly advised that I still needed to pay these fraudulent charges!!!! I advised the Paypal workers that I have a freeze on my credit, so there is no way that this account should even be open. I was then told that the account had been opened approximately 3 years prior and had just sat there unused. ( So obviously this was a Paypal employee that opened this account ) I was told that Paypal would consider the situation and decide if it was fraud or not. All of the charges were payments made to a XXXX. Paypal has a way to see the money trail of were these payments were going and the IP address of when this account was opened, but they denied the fraud. Regardless, I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and spent several hours a day waiting on hold to repeatedly make sure that this account was CLOSED and that no further theft could continue.
Then on XX/XX/XXXX I received an additional Paypal credit statement with 7 additional charges made. These charges are of escalating amounts, and someone has even made the minimum monthly payment on the account!!!!
This is after I called 3 times in XX/XX/XXXX to have this account 1000 percent closed.
When I received this XX/XX/XXXX bill on XX/XX/XXXX I spent approximately 3 hours on the phone with Paypal. I had to call in 7 times due to me being on hold and then the call just being " dropped '' after me holding between 10 to 30 minutes each time. This is a list of calls I made to Paypal on XX/XX/XXXX : I was transferred by a " Unique '' at XXXX Eastern and never reached the fraud dept.
At XXXX XXXX a " XXXX '' transferred me and advised me that she was closing the account and that nothing was her fault and that I still have to pay these charges. Even though she could see the record of my 3 calls in XX/XX/XXXX. After a long hold, at XXXX XXXX I reached XXXX # XXXX who said I had to speak to a senior specialist. Another hold until XXXX XXXX XXXX # XXXX was very rude and short with me and didn't understand most of the terms I was using. XXXX transferred me to a XXXX at XXXX who said that the issue was my complaint wasn't done in writing.
Then I was transferred to a XXXX XXXX at XXXX who said the problem was that I had to go file a police report. She refused to transfer me to her supervisor and claimed that she was the highest level supervisor. She refused to give me her employee ID. After my repeated demanding she transferred me to an XXXX who said that his ID was XXXX ( which is more characters than all the other employee ids.? ) XXXX advised me to report this fraudulent credit account to the FBI.
Most of these employees made statements to the affect that my account was " restricted '' then opened back up. Paypal has access to whoever made that minimum payment on the account. They can see the money trail of were that money came from. I advised them of fraud and requested it closed and they left it open for the criminals.
|
| 12/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On or about XX/XX/2022, I was on vacation and received a call from the Venmo Credit Card Fraud Department notifying me of several fraudulent transactions on my account. I do not have the specific details, but I recall there being some charges for XXXX and gas ( I dont have a car that needs gas ) and some others which I did not make. I was advised that my Venmo credit card would be cancelled and that they would send a new one to my home address. From that call, I understood that the fraud was caught, that any fraudulent charges would be removed from my account.
As I travel often for work, and am not always able to review my statements every month before they are due, I have my accounts set on autopay to pay the full balance every month. I do this so I dont miss a payment when I am travelling. Also, credit card fees and interest are charged on a monthly basis, while fraud claims are normally subject to a statute of limitations of several years making payment a more urgent requirement than claiming fraud. Additionally, my experience with major credit cards and banks is that fraudulent charges are normally caught as they are being made.
When I did review my statements, I noticed that there had been fraud on my account starting with relatively small amounts in XXXX and growing larger until my XX/XX/2022 statement swelled to {$8800.00}. I made a claim for these charges with Venmo/Synchrony Bank XXXX XXXX.
After a few weeks, on approximately XX/XX/XXXX, I called the Synchrony Bank Fraud department to check on the status of my claim and was advised that my claim had been denied and that I should have received a letter dated XX/XX/XXXX notifying me of this. I never received that letter. On that call, I asked for the claim to be reopened. The case was reopened and I received by mail a list of the transactions and was asked to state whether or not I had authorized them. I went through my records to verify the charges and sent the list back to Synchrony Bank with the vast majority of transactions marked as fraud. On Friday XX/XX/XXXX, I received a one page form letter advising me that the Synchrony Fraud Team related to my Venmo Credit card account was unable to approve my fraud claim because I " authorized, participated in, or benefited from the purchase. '' This is not true ; the only way I participated in the purchase was by paying the full statement on autopay.
I have a very good credit score, and pay my credit card statements in full and on time every month. Further, the fraudulent charges are clearly not mine as they are inconsistent with my 30+ years of credit card use. These should have been caught by the credit card company as they were happening.
Of particular note : I go to XXXX once in a while. The number of charges to XXXX alone should have triggered a fraud call to me ; I dont have a car that operates on gas and have no need to go to XXXX XXXX. These charges also should have triggered a fraud call to me ; I have never bought an XXXX XXXX XXXX prepaid card for anything. I have always had subscription phone contracts ; I do not use XXXX. I have a contract with XXXX ; I dont have an XXXXXXXX XXXX account ; I have never used XXXX XXXX XXXX ; I have never been to or used a XXXX XXXX ; I should not be penalized for making full payments on my statements. Credit card fees and interest are immediate and charged monthly ; The charges that were eventually identified by Venmo in XXXX were charges for XXXX and XXXXXXXX XXXX. These charges were removed from my account so they knew these were fraudulent but are now not acknowledging that the others were.
|
| 11/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Note : This is to notify you that, I would be considering this as a final response on behalf of Synchrony Bank, and given if Synchrony Bank decides not to fight the dispute with the merchant and just accept the fraudulent act not only did they never cancel my reservation but also showing my number with some other number communication that I have interacted which is totally fake and I have not had any such correspondence and neither of the reported issues was resolved. As I provided the evidence they never responded to my emails or cancellation requests. In that case, I would have no other option but to take this issue with Legal and keep Synchrony Bank at fault for acting biased with evidences that I provided and favoring the merchant with false and fake information.
Synchrony Bank ( DBA - Paypal Mastercard ), Has failed multiple times to resolve my dispute and acted biased to force a charge on me for the services that were not as promised by the merchant. They also have failed to provide me with any documentation or are willing to fight the dispute given the documentation I provided. I am yet to receive any documentation on how they are determining the dispute in the merchant 's favor. The bank also never sent me any forms that I can sign as I am still going to fight this dispute and I am not going to pay for the services that were not as promised.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Problem with the charge : On XXXX XXXX XXXX, I booked a rental property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXX with reservation # XXXX for XXXX nights ( XXXX XXXX XXXX XXXX XXXX ). When we arrived at the property, soon after we realized the property was not in good condition there were prior damages toilets were clogged and overflowing, air conditioning system was not working on 100F which was unacceptable. this was not it there were also issues with the cleaning and their dishwasher leaked in all over the kitchen. The were multiple bugs and mosquitos we saw in the bathroom and bedrooms. Cleaning was not performed and their laundry washer and dryer were in a disgusting condition that can not even be described in words. Given we were traveling with a newborn we could not risk staying with these circumstances. Starting the XX/XX/XXXX, the evening we were supposed to check in I tried to reach out to the property manager 's contact, since there was no physical office or helpdesk, I called the phone they provided and no one ever answered the call or acknowledged the voicemails I left. When I didnt get any response from them, we decided to spend the night at our friends house. The next morning XX/XX/XXXX when I went to see if they fixed anything, nothing was fixed other than they cleaned the water leaked from the dishwasher. That means someone was there to look at the issues but they did not reach out to me or resolve the essential/critical issues such as toilet/air-conditioning/bugs etc. This ruined our whole vacation and given the situation, there was no way anyone could stay in the property. After allowing ample amount of time in good faith to resolve this issue when things were still the same, I requested them to cancel or arrange another location for our stays however once again they did not reach out for any assistance or offered any help. As we left the property around XXXX XXXX on XX/XX/XXXX, I never heard any response back from the merchant regarding the cancellation or refund and they didnt answer the phone calls or my email when I tried to follow up on the refund.
|
| 10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
When SYNCHRONY Bank granted me a {$900.00} loan, all they did was take {$900.00} of actual cash value from me and transferred it to themselves ( SYNCB ) for free.
The bank ( SYNCB ) did not loan XXXX cent of other depositors ' money for the {$900.00} promissory note.
They did it by recording the promissory note as a loan from XXXX XXXX to the bank. The bank then used the {$900.00} they obtained from XXXX XXXX to create {$900.00} of new money called checkbook money. Checkbook money has equal value to legal tender because the promissory note can be sold for legal tender.
Then the bank uses the newly created checkbook money ( counterfeit money ) to transfer the stolen {$900.00} back to XXXX XXXX ( the victim ) as a bank loan.
LAWSUIT WILL BE FILED IN 30 DAYS IF NOT RESOLVED The lawsuit will allege the following : XXXX ) The defendant ( SYNCB ) advertised that they loan money.
XXXX ) The plaintiff ( XXXX XXXX ) applied for a loan.
XXXX ) The defendant ( SYNCB ) refused to loan the plaintiff legal tender or other depositors ' money to fund the alleged bank loan check.
XXXX ) The defendant ( SYNCB ) misrepresented to the plaintiff ( XXXX XXXX ) the elements of the alleged agreement.
XXXX ) The plaintiff 's ( XXXX XXXX ) bona fide signature does not appear on the alleged promissory note, because he always puts a XXXX cent stamp and signs in BLUE ink from top left to bottom right on stamp at a XXXX degree angle on promissory note.
XXXX ) The copy of the promissory note is a forgery.
XXXX ) The alleged original promissory note could not be produced by the defendant bank ( SYNCB ) with the plaintiff 's name on it : said copy purports to obligate the plaintiff ( XXXX XXXX ) to pay {$900.00} plus interest, giving it value today of {$900.00} if it were sold to investors.
XXXX ) The defendant bank ( SYNCB ) recorded the forged promissory note as an unauthorized loan from the plaintiff to the bank as evidenced by a new bank asset and liability.
XXXX ) The bank recorded an unauthorized loan having actual cash value of {$900.00} from the plaintiff to the bank. The bank returned {$900.00} actual cash value back to the plaintiff. The bank ( SYNCB ) made false statements claiming the unauthorized loan that they returned back to plaintiff was actually a loan from them to the plaintiff.
XXXX ) The defendant ( SYNCB ) believes Plaintiff ( XXXX XXXX ) agreed to loaning the forged promissory note to the bank which in turn funded the loan from the defendant bank ( SYNCB ) back to the plaintiff ( XXXX XXXX ). Further, the defendant bank believes they have no obligation to repay the unauthorized loan from the plaintiff to themselves. The plaintiff 's signature never validated such an unauthorized transaction.
XXXX ) By their refusal to loan other depositors ' money or legal tender as consideration to obtain the alleged promissory note, and by recording the alleged forged promissory note as an unauthorized loan from the plaintiff, the bank ( DISCOVER ) changed the cost and the risk of the alleged loan.
XXXX ) The defendant bank claims they will be damaged if the plaintiff refuses to repay the loan, but the defendant refuses to acknowledge or repay the unauthorized loan from the plaintiff to them.
They purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings.
Listed below is all the ARTICLE NUMBERS for letters sent. Please have them produce the documents sent that is attached to these numbers.
XXXX. ) RF XXXX XXXX XXXX. ) RF XXXX XXXX XXXX. ) RF XXXX XXXX XXXX. ) XXXX XXXX. ) XXXX
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| 10/07/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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To Whom It May Concern, I opened an account with Care Credit in XXXX of XXXX with a balance of {$990.00} and a credit limit of {$1700.00}. Since my first online payment with Care Credit I have had numerous problems accessing my account and making payments on the website. I have been given error messages such as " My account information isn't available '' well over a dozen times. The first issue that took place was the payment that I tried the very next month in XXXX I was unable to access my account. I tried numerous times and was even unable to use the phone payment system until 2 days after my bill was due. The following month I was able to get my payment in the day it was due but it didn't post until a couple days later then putting me in late payment status. For the next couple of months, I was able to access my account and get the payment in on time but then noticed I had an outstanding balance of {$10.00} in my account that was not made visible to me due to a delayed late charge. As a result, my overall limit was decreased by {$300.00}. I called customer service in XXXX of XXXX and I spoke to a very kind gentleman that took off the charges but could not restore my credit and said I would be subject credit inquiry, which I did not want to have impact my credit score. Also, on this call I noted that I was having problems accessing my account and having problems with my account. He tried to fix the issue with me but after about 45 minutes to an hour on the phone I tried to rectify the account issue. I was getting an error saying my account was locked do to the information I supplied multiple times being incorrect but that wasnt the case. The gentleman said that they often have problems with the site and I could use another site. The following two months I called in my payment due to the problems. During the week of XX/XX/XXXX I made multiple attempts to access my accounts and growing a fatigued with my dealings with the website for Care Credit I grew fatigued and forgot to call and therefore missed the payment, however, I called in 6 days ( payment due on the XXXX of each month ) later XX/XX/XXXX and explained my situation to a customer rep and she said the same thing there are often problems and to try another site, which worked. As a result, I was able to make a payment. However, I just found out for by my credit reporting agency that my credit limit was decreased yet again and while this was an oversight on my part, it was not due to lack of effort of trying numerous times in advance. I would like to have my limit restored to at least to {$1200.00} once again. As I have had so many issues paying through the website and I dont always have the ability to call in. Please note that I have always paid more than minimum with the exception of one payment and have strived to make the payment either early or on time. The only time that has not happened has been when Ive had problems with the site. It seems Care Credit has problems with the site often and I dont want to be penalized for lack of access. Now more than ever it is important to have a way to pay for medical expenses during the COVID pandemic. As I have had the virus and know the importance of having a card like Care Credit. I have been a responsible customer and I have not gone over my spending limit and have made multiple attempts to pay my bill in a timely fashion. I think reducing the credit limit of a customer who has been consistent but struggles with the sites technical issues during these very challenging times is harsh and unconscionable. I appreciate you looking into this issue.
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| 03/21/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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XXXX XX/XX/2019 I received a letter from a debt collection outfit that does business under the name XXXX. It is an attempt to collect the sum of {$320.00} on the behalf of the sub prime high risk financial service provider Syncrony Bank/Wal Mart Credit Card. I was solicited and encouraged numerous times to accept a credit card from this organization. Having already known of their dubious track record for predatory lending, their constant barrage of unsolicited offers and promotional gimmicks were always simply deleted or ignored. To be clear : I NEVER agreed, responded, signed, committed to verbally or otherwise, received, activated, utilized, or have ever even seen in any other form or fashion a {$200.00} limit Wal Mart store credit card from Syncrony, XXXX, or any other financial institution. Accepting or even considering utilizing a credit card/store card line of credit limited to {$200.00} coupled with such astronomically high interest rates and worse still, limited to use at only one place of business makes absolutely no sense for me personally. I am a homeowner with a mortgage and several revolving type credit cards from actual reputable financial institutions with much higher credit limits and take my financial obligations very seriously. Therefore I strive to remain diligent about maintaining my financial well being. To my shock and horror I was only recently made aware that not only did Syncrony bank send me a Wal Mart credit card anyways, they then falsely tried to extort me into paying them for issuing a card that I absolutely DID NOT AGREE TOO, SIGN, TRY TO USE OR ACTIVATE. I WAS NOT ISSUED NOR DID I CREATE A PIN NUMBER. Approximately 14 months have passed since their solicitations and any and alll communication between either party or I have ceased. Then last month I purchased a new vehicle. Having made every single payment of every form ( with the exception of 1 house payment that was 14 days late 6 years and 3 months ago ) was always a sense of pride for me. Then I got a shock I wont soon forget when my banks auto loan pre approval letter had my interest rate nearly a full percentage point higher than expected. When I called for an explanation I was told that my XXXX report had a charge off listed under Syncrony Bank, I checked XXXX, they had reported 13 months of serious delinquency for what I still have no idea. Ive called, emailed, written, faxed, and sent a certified letter demanding an explanation and have received absolutely no response. The one time I was able to get someone on the phone after an hour and a half on hold, they couldnt assist me without an account number. Since your account number is apparently the number on the physical card which I did not nor hve ever possessed, I have no idea what that number is or why I would even have one associated with me. This ordeal has run its corse and I am beyond sick and tired of trying to get this resolved. This supposedly {$200.00} credit card, which they are now trying to extort {$320.00} for has cost me far more ; in increased interest on my {$40000.00} auto loan and in wasted time and effort. Syncrony Banks business model of handing out credit cards to anything with with hands and a heartbeat, and tricking them into trap loans and never ending fees must be working on someone, but Ill give my last dime to my attorneys before I give one red cent to Synchrony Bank or XXXX. They have advised me to, after filing this complaint with the CFPB ; cease attempting to contact and forward all future correspondence from Synchrony Bank and/or anyone acting on their behalf to their offices.
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| 07/10/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I charged an amount to my Lowe 's Synchrony Bank Credit Card account. I thought I requested the promotional program for charges greater than {$290.00} however, instead the store applied 5 % off my purchase price, which is another promotion.
My complaint is about how the bank communicates interest charge information for the current balance on the statement. When I was reading the statement to make sure I was on the promotional program, I could not tell if I was or not. To resolve this I called the Customer Service line, the agent was not able to see the statement I could see, which I believe in itself is an issue. Agents should be able to see exactly what their customer is looking at, not a system version with field information ... how can they help us if they can't access what we see and rely on to make our payments?
Typically I would see a separate line in the Interest Charge Calculation box for the promotional balance and the regular rate line which would show the Balance Subject to Interest as XXXX. The statement was very confusing because it did not show a promotional balance line, however it did show the balance subject to the interest rate as XXXX in the regular purchases line. I had a previous balance of XXXX, so if the box was trying to tell me I did not have interest added because I previously did not have a balance, that makes sense ... but what about my new balance?
I was able to verify with the customer service agent that if I did not pay the current statement balance in full by the due date that I would receive a interest rate charge at 26.99 % and I was not on a promo program.
In addition, the Important Account Information section of the statement directly underneath the Interest Charge Calculation added to the confusion in my quest to determine if I was on a promo or not : You may be offered one of the following promotions when you make a qualifying Lowes credit card purchase : No Interest if Paid in Full within 6, 12, 18 or 24 months. Under each promotion, no interest will be assessed on the purchase if you pay the promotional purchase in full within the applicable promo period. If you do not, interest will be imposed on the purchase from the date of purchase at a rate of 26.99 %. Minimum monthly payments required. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Offers subject to credit approval. Offers not available at all times for all purchases. Offer dates and other terms will be disclosed in promotional advertising. Regular account terms apply to non-promo purchases and, after promotion ends, to promo purchases. Can not be combined with other credit related promotional offers.
Starting on XX/XX/2019, the 84 fixed monthly payments with reduced APR financing will continue to be an option on in-store and online purchases of {$2000.00} or more made on your Lowe 's XXXX XXXX. However, the 36 and 60 fixed monthly payments option will only be available on installed sales for exterior projects. Please see a store associate, the in-store Lowe 's Credit Card Disclosure Document or XXXX for special financing options. If your account has a deferred interest promotion and you would like us to apply a payment on your account in a different way, please call Customer Service to discuss other options that may be available.
I MAY be on a promo plan? How is that helpful ... shouldn't the bank know if I am on a promo plan? Synchrony Bank needs to make their statement more clear about the amount subject to interest charge for the balance on the current statement.
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| 08/03/2015 |
Yes |
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Web |
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**Facts**1. On XX/XX/XXXX, I made a purchase of a dining room furniture from XXXX, in XXXX AZ for the amount of {$3000.00}.
2. The purchase was made using a 12-month interest-free same-as-cash credit account ( a/c number noted above ) through GE Money Bank ( hereafter referred to as " Company '' ).
3. According to the terms of the credit, I was to make a certain minimum monthly payment. If the entire amount of {$3000.00} was paid off by XX/XX/XXXX ( " Expiration Date '' ), no interest would be charged to the purchase amount.
4. The furniture did not get delivered as promised. In fact, the furniture which was to be delivered within 2 weeks the original purchase date, was n't fully delivered till after XX/XX/XXXX - more than 7 months late!
5. However, the bank was prompt in sending the statements for the furniture that I still had n't received.
6. As I had just moved to the new house, for which this furniture was purchased, I was behind in attending to my mail and did n't make any payment when I received the initial statement, whose payment due date was around XX/XX/XXXX.
7. When I finally caught up over the next few days, I set-up automatic payments on the Bill Pay system of my XXXX XXXX bank account for XXXX equal payments of {$250.00} ( to total {$3000.00} ) payable around the XXXX of each month, with the last ( XXXX ) payment to be made before XX/XX/XXXX expiration date to ensure there would be no interest charges on the purchase amount.
8. The first payment was made on XX/XX/XXXX. Listed below are the payments made to this account through this bill pay mechanism : XXXX Pay Date AmountGE Money Bank XX/XX/XXXX $ XXXXGE Money Bank XX/XX/XXXX $ XXXXGE Money Bank XX/XX/XXXX $ XXXXGE Money Bank XX/XX/XXXX $ XXXXGE Money Bank XX/XX/XXXX $ XXXXGE Money Bank XX/XX/XXXX $ XXXXGE Money Bank XX/XX/XXXX $ XXXXGE Money Bank XX/XX/XXXX $ XXXXGE Money Bank XX/XX/XXXX $ XXXXGE Money Bank XX/XX/XXXX $ XXXXGE XXXX Bank XX/XX/XXXX $ XXXXGE Money Bank XX/XX/XXXX $ XXXX {$30000.00}. The Company however, kept posting each of my payments as " late '' and to the previous billing statement than the XXXX it should have applied to and kept assessing late fees and interest charges, each month.
10. In XX/XX/XXXX statement, in addition to all these supposed " late fees '' and interest, they also added the deferred interest on my original purchase for the amount of {$730.00}, showing that I owed them {$110000.00}, despite the fact that I had paid them the entire {$3000.00} amount before the Expiration Date of XX/XX/XXXX.
11. After my multiple calls to the Company, they removed this deferred interest and some of the late fees but still insist on me paying {$420.00} in late fees to them.
I believe that these late fees are not justified as I made monthly payments exceeding their minimum payment each month AND paid the entire purchase amount in full before the Expiration Date of the offer. As a gesture of reasonableness, I offered to the company that I would be willing to pay the late fee ( {$35.00} ) for the very first missed payment. My offer was declined and the Company has insisted on charging me these inappropriate late fees. This has also been reported to Credit Bureaus and has negatively impacted my credit, and my ability to refinance my house. If the interest rates were to go up, as they are expected to in the next few months, I will suffer significant financial loss due to this wrong practices by the Company. This matter has been going on for over 6 months now, and I request you to resolve this urgently so I do n't suffer any more losses.
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| 08/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/2019, I went online to Synchrony Bank ( Care Credit ) website to payoff a promotional balance that was due XX/XX/2019. Because there was no option online to make sure the payment was properly applied and no interest would be applied to my account for that balance, I reached out to a live chat agent for assistance. I was advised to set up the payment and then the chat agent would take the necessary steps to make sure the payment was applied to the promotional balance, so I immediately scheduled the payment, advised through chat that this had been completed, and the agent confirmed that my promotional balance would be satisfied and that I would see this in 1-2 billing cycles.
On XX/XX/2019, I once again reached out to a live chat agent as I was getting ready to pay off a promotional balance that is due on XX/XX/2019 ; however, I had some questions about my balance because it seemed high. The agent chatting advised that I hadnt satisfied the promotional payment due by XX/XX/XXXX and that all of that interest had therefor been applied to my account. I advised that I had made that payment with the help of an agent through live chat. I was told that the notes did not indicate that, but if I provided the chad session ID, they could review it. I do believe I had printed that conversation, but unfortunately, I was unable to find it at home. I had asked the agent why it couldnt be located on their end. Having been in banking for 10 years at XXXX XXXX and XXXX XXXX, all of our calls, chats and emails are recorded and preserved for training and quality assurance and Im guessing that is industry standard. The session ID is only provided if you ask for it and how would a customer even know they needed to ask for it. And if ask for the ID number and the agent gives it to you, if you print the transcript of the chat through their website, it puts xxxx 's over most of the session ID, so you would think they have access to it.
To further my case, my records will indicate that I made payments to this account each month ; these payments ranged from $ XXXX- {$370.00}, never exceeding the latter numbermost of them were for the amount due and some were a little bit higher as I was trying to pay down the interest a little, but all of these were modest payments never exceeding {$370.00} ; so if it was not my intent to payoff my promotional balance, why would I suddenly make a {$1300.00} payment 4 days before the promotional balance due date, depleting my cash reserves, if it werent going to satisfy the promotional balance. They told me there is nothing they can do unless I can produce the chat session ID number.
Today I had to make a payment towards a promotional balance that is due XX/XX/XXXX and I had to live chat again to make sure that the payment gets applied properly and, for obvious reasons, I have zero confidence that this will be doneespecially considering that I was, once again, told it would take 1-2 billing cycles for it to be seen. This I do not understand as any other accounts you can see initiated transactions immediately with posted transactions showing within 24-48 hours. The lack of transparency is so frustrating.
The concept of the CareCredit card is great, it is marketed well and is a good option for those that experience an unanticipated medical expense ; however the lack of transparency and the actions one has to take to pay off promotional balances to avoid getting charged differed interest are some of the most unconscionable lending practices that I have seen. I would absolutely deem these as predatory lending practices.
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| 11/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Older American |
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I am a XXXX citizen on a fixed income and back in XXXX of XXXX, I financed gutters from Synchrony Bank. My monthly payments are {$150.00}. My payments began in XXXX of XXXX. In the beginning everything was fine as I sent my payments by mail to them. In XXXX of XXXX, I received a text from them saying they never received the payment, so I immediately called them and made that payment. At that time, I set up automatic withdrawal with them. In XXXX of XXXX, they took {$180.00} from my checking account, claiming I owed them a late fee. In XXXX of XXXX, I received another text message from them stating that they did not receive the payment. They told me the payment was declined. I contacted my bank and was told Synchrony Bank never tried to retrieve the payment. So again, I paid them over the phone. In XXXX of XXXX, they charged me {$190.00} including the late fee. So, I stopped the automatic payment, because I felt at that time, they were just taking my money because they could. In XXXX, XXXX and XXXX of XXXX I made a payment by their automatic system, and everything was fine, except when I made my XXXX payment, they tried to charge me a late fee for a late fee. They said I was late on my payment in XXXX, but I was not late. I made my payment on time I just didn't pay the late fee until a later date. I felt I didn't owe it to them, but someone told me if I didn't pay it, they may charge me interest on it, so I paid it at a later date. When I spoke with Synchrony Bank, they told me I had to pay a late fee for a late fee. I questioned that and asked, " how can you charge me a late fee for a late fee '' and they dismissed the late fee. On XX/XX/XXXX, I submitted a payment to Synchrony Bank on my debit card, but a few days later my card was stolen. So, I had to cancel that card. Knowing that I made a payment with my debit card I immediately reached out to Synchrony Bank and tried to make a payment with my checking account. That was on the XXXX of XXXX. Thinking the payment was made on the XXXX I didn't think nothing else about the payment until XX/XX/XXXX when I checked my account and noticed the payment had not been taken out. I then reached out to Synchrony Bank and the gentleman I spoke with told me the payment had a stop payment on it.I asked " how '' when I approved the payment. Again, I reached out to my bank, and was told Synchrony Bank never submitted anything for payment. Needless to say, the payment for XXXX was never made and of course they are charging me a stop payment fee, that I refuse to pay. I really started thinking that this bank is trying to scam or take advantage of me, so I reached out to different agencies who I thought might be able to help me, and I was referred to your office. I made a payment on XX/XX/XXXX, in the amount of {$310.00} and that's because I refused to pay the stop payment fee because there was no stop payment fee because I didn't stop payment on it. So, now with all that being said, is there something you can do to help me with this situation? When I paid by mail, they claimed they never received their payment, and I was charged a late fee, when I set up an automatic withdrawal, they claimed the payment was rejected and that resulted in late fees, when I called and made payments, they claimed the payment was stopped and that resulted in a stop payment fee. So, no matter what way I tried to make a payment to them, it is always a problem and I'm always being charged late fees. I have proof of every payment I have made to them. Please reach out to me if there is anything else that's needed. Thank you.
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| 07/17/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX XXXX, XXXX, I attempted to purchase a {$4200.00} mattress from a retailer that agreed to deliver it within 2-3 weeks, customize over three months, and exchange it for store credit if I wasnt satisfied. The retailer documented these promises in writing and signed me up for a store credit card to make this purchase. The credit card is with Synchrony Bank, and this is the only time I have ever tried to use the card.
When the mattress wasnt delivered, I began calling and texting the retailer to find out where it was. They didnt respond but posted signs in their store window saying they were closing the store and selling off inventory. I disputed the charge on XXXX XXXX, XXXX, on the basis that the retailer had not delivered the mattress, was not returning calls and texts, and had not communicated with me about delays.
Synchrony notified the retailer of the dispute on XXXX XXXX, XXXX, prompting the retailer to order the mattress from the manufacturer the same day. This was too late. I had already made other arrangements for a mattress because they had not informed me they were going out of business and hadnt responded to my calls and texts.
Per my contract with Synchrony, they were supposed to do an investigation of my dispute. I gave Synchrony proof that the retailer had misled me about the mattress and the terms of the sale and had not delivered it or responded to my inquiries for over a month.
Synchrony denied my dispute. They sent me a printout of text messages that the retailer supposedly sent me telling me about the delay. These were forgeries. The retailer never texted me until after I had submitted my dispute. I sent Synchrony copies of records from my cellular service provider that showed every text message my phone received, clearly demonstrating the texts from the retailer were forged. But Synchrony has continued to deny my dispute.
I have exchanged multiple letters with Synchrony and provided ample evidence supporting my position. Even with proof that the retailer submitted forged documents and fictionalized all aspects of the transaction, Synchrony has decided in the retailers favor more than four times. Multiple times, Synchrony closed the dispute without seeking or waiting for information they knew I was submitting. In one instance ( XXXX XXXX, XXXX ), a Synchrony representative actively discouraged me from sending in information to counter the merchants claims.
Later, Synchrony forwarded to the retailer the evidence I had submitted proving they misrepresented all major facets of the sale including the product, the promised delivery date, the customization process, the return policy, and their communications with me for their response. Unable to counter it, the retailer told Synchrony they delivered the mattress. This was not true. Synchrony accepted this and closed the dispute without seeking my response.
When notified theyd closed the dispute, I explained to a Synchrony supervisor that I not only didnt have the mattress, I could also prove it because I live in a building with 24/7 security. The supervisor said he, too, was surprised such a claim had been allowed because the retailer had provided no proof of delivery. He re-opened the dispute, but the matter was again decided in the merchants favor this time without any notice as to why. I just got an email saying payment was due.
To date, I have received no indication that Synchrony has considered any of the information I sent. I am attaching all the letters and documents I sent to them over several months in an attempt to resolve this matter.
|
| 07/25/2016 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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My name is XXXX XXXX and I am seeking advice on what to do about the following situation.
XX/XX/XXXX we were XXXX in XXXX, XXXX, because of all the issues of moving furniture and weight restrictions we decided we would sell our furniture and buy when we got back to the states.. XX/XX/XXXX we were XXXX to XXXX XXXX in XXXX XXXX Texas, The kids needed furniture so we decided to go to a local furniture store ( Home Design ). The sales person was very nice and helped us pick out the perfect set for our need at the time. The sales person informed us of a credit company they were working with had a deal where we would not have to make any payments for 24 months. The only thing was that the credit company they were going through only allowed a {$1000.00} limited so we had to get XXXX credit cards totaling XXXX. We agreed and in a week we received our furniture and everything was great. Since we were not new to getting credit, we understood that interest rates would accumulate, so I called the company about a month later to ask about my account information and mailing address so I could send my payments and not accurate interest rates. The customer service person at Synchrony Financial informed me that they were not allowed to give out my account number over the phone and that they would send me a bill soon. A month later I called again and they still refused to give me my account number and stated the same thing that a bill would arrive soon and that I could start making payments. To make a long story short I never once received a bill. As time went on I knew they would send me a bill once I started to accrue interest. Well Instead of getting a bill I got a call from the collections dept at Synchrony Financial offering a settlement. I explained to them what was going on and we came to an agreement that I would just pay it and get it over with. The last time I heard from Synchrony Financial was XXXX XXXX, XXXX. XX/XX/XXXX I get a letter from XXXX XXXX telling me I owed them {$970.00}. I immediately called synchrony Financial and had them send me a letter stating that I had paid off the loan and that I did not owe anything. They agreed to send me the confirmation letter. Seven days later I email XXXX with the statements and a letter of XXXX balance. XXXX does their investigation and confirms that I still owe XXXX, and I am stumped. XXXX informed me that the XXXX that I had paid to Synchrony bank was for the XXXX credit card and all the interest that was accrued. At that point I asked them to send me all the statement so I could see for myself. I expect to receive the statement XX/XX/XXXX.
Well since we had gotten back to the States my wife and I have been working hard to get our credit scores up so we could buy a house. Two months ago my credit score was finally above the requirements for a VA Loan, so we decided to put a down on a new home. Just as we were about to settle on the mortgage this collections comes out of nowhere. We have n't gotten a rejection letter from the bank yet but they were asking about a late payment I made XX/XX/XXXX, I am pretty sure they are going to want to know how I thought I was going to get a mortgage with a collections company on my credit report.
I have taken out some loans in the past that had some bad interest rates and but this is a whole new level of sneakiness that I just did not see coming.
Any Advise would be greatly appreciated as I am at loss for what to do. I 'm not sure if I have any legal rights or if I just pay this and wait the 7+ years for it to come off my report.
Thank you XXXX XXXX
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| 09/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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This is involving XXXX XXXX and there Walmart, XXXX and PayPal affiliations. As of recent ( Paid then a few days before being due on XX/XX/2018 of which I owed {$280.00} due XX/XX/2018 ) I made a XXXX payment on XX/XX/XXXX from my bank as I always do and now it shows up as an eCheck and I never pay by eCheck it is always electronilally and takes just a day fo finish and complete but XXXX XXXX has turned it into an eCheck somehow and has it showing as going to PayPal itself and this will make me delinqent as it states it may take days to clear but on another PayPal page it shows complete yet still has me owing the {$280.00} and as of today after paying as I usually do from my Credit Union account, and paying even more than I had to do ahead of time, I am now being make to be delinquint as I copied and pasted this and it shows them still processing, XX/XX/2018 PayPal Credit to PayPalProcessing- {$350.00} USD and this shows what they did by making it an eCheck and sending to PayPal ( this will make me delinquint= Payment sent to PayPal Credit XX/XX/2018 at XXXXXXXX XXXX PDTTransaction ID : XXXX Payment Status : PENDING Expected eCheck Clearing Date : XX/XX/2018 - XX/XX/2018 Gross amount - {$350.00} USD We have no postal aress on file Your Payment Gross Amount- {$350.00} USD PayPal Fee {$0.00} USD Net Amount- {$350.00} USD Contact info PayPal Credit Funding details Funding Type : eCheck Funding Source : - {$350.00} USD - XXXX XXXXXXXX XXXX XXXX ending in xxxxxx Note : eCheck estimated completion : XX/XX/2018 - XX/XX/2018. We advise merchants not to ship until they receive payment. What is an eCheck? -- -- NOw also I had an agreement to pay {$150.00} per mo. to tjem on my Walmart account and I did faithfully and one day I paid them XXXX and before teh fue dateof the XXXX of every month and when I went to pay again the next month I was locked out of paying and when I called them I was sent a number of times over and over again to different people and I was told my account was closed and I asked for a code to get back into my Walmart Credit card page ( as I always pay electronically and it is always credited until this recent event with PayPal Credit XXXX XXXX ). Well they just finally left me just hanging on the phone and would no longer answer me so I said something with the hope it would be recorded as they has said it was being recorded and I said something to this effect, : '' if this is how you are going to treat me than how can I pay you? '' YOu see I have been gong through one XXXX after another and in about two years now I have had XXXX and have been incapacitated to do any work and so I am using my funds to pay electronically as I have had a very diffficult time even writing since my XXXX XXXX were XXXX XXXX XXXX on XXXX and about XXXX XXXX XXXX on XXXX and although I got through the XXXX XXXX XXXXXXXX XXXX now I still have the XXXX one to od and I am still using eclectronicl way to pay as that is how it has been done. So I finally just hung up but my wife was here and witnessed this occur. Then concerning the XXXX card they would not let me use it at all at a certain poingt and I had ove a {$1000.00} dollars credit to use left but they started making me pay exhorbatant interest and did this on all the cards for some time. Yet before they took ( XXXX XXXX - GE Financial owned Bank ) over PayPal my interest and payment was not so high and I never had these diffficulties? Now I have a payment in limbo and I am being caused to be deliqint and I am very sick and am at a loss on how to prroceed? Please help. Thank you.
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| 12/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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XXXX and these company have admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over three years ago. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. I have been targeted by criminals about 4 years ago, or so. They are mendacious in saying this breach started in XXXX 2017.
In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. These collection companies know very well these are no my accounts ; however, these collection companies are seeing blood in the water, they are focused like the sharks they are. We must close these collection companies that unabashed in ruining Veterans and XXXX XXXX Family Members credit reputations.
They are still with this trickery and foolery. I need to know what could be done to these companies criminally. Those accounts are either, fraudulent, my daughter, or my son. However, it didnt matter to them because it is vengeance, and revenge against me for filing a complaint, and letting other consumers know. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deed against them.
They are more disturbed at me, and worried about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at the collection companies, and XXXX.
These are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, and XXXX and these collection companies are in the business of making money legally, or illegally. These companies are much more than a credit reporting agency. It is a data broker, and thieves living like fat rats. It collects information from all of us, analyzes it all, and then sell them.
They retaliated against me for filing a complaint with C.F.P.B. This retribution came instant within hours after I filed. As a Veteran who fought for this country, and a XXXX XXXX Family Member. They dont care who they XXXX XXXX to save their brand and they thieving ways. These are authentic and true words.
Basically, this quote is stating what I am complaining about, that these companies dont care. I learned this the hard way after these companies caused me to lose my V. A. loan, they are creating havoc in my life. They are strongly aware that nothing will happen to them since they believe they are too big to fail. I am forwarding this complaint to Sen. XXXX, and seeking her help to stop criminalizing this Veteran, and this XXXX XXXX Family member.
I am filing this again because they admonished, and castigated me for filing an earlier complaint. XXXX and these companies are mafias and gutless wonders! Why would they put these negative accounts on my credit file that doesnt belong to me, except mere retribution? I faxed my credit report, two police reports, and F.T.C. fraud affidavit to Sen. XXXX for protection.
They are too stubborn and too crooked to satisfy the consumer, and they are too concerned about XXXX, and these companies brand at the expense of a Veteran, who is a XXXX XXXX Family Member too. This is very sad, and they must punish.
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| 01/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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On XX/XX/2021, I signed up for a {$9500.00} XXXX interest-free installment plan on CareCredit, which is administered through XXXX. Automatic monthly online payments were set up, therefore the balance ought to be just above half of the {$9500.00} at this point. Instead, it's currently at {$8500.00}.
Upon looking into this, every month there appears to be three transactions : - The first says " AUTOMATIC PAYMENT - THANK YOU. '' - The second says " INTEREST CHARGE ON PURCHASES. '' - The third says " XXXX XXXX XXXX. '' The first is the only one I ever consented to. The second is interest even though I enrolled in an explicitly no-interest plan. The third I researched, and this page https : XXXX informs that this is a scam based in XXXX.
I called Synchrony, and they said that XXXX XXXX is a program where the customer pays a fee prorated on the outstanding balance then under some circumstances of hardship can have some of the money reimbursed. First of all, this sounds too good to be true ; where is that safety money coming from? Moreover, I don't remember consenting to this XXXX XXXXy program, and upon asking for documentation of myself signing up for this program they dodged the question and failed to provide anything legitimate.
Synchrony told me on the phone ( after having to ask the question over and over while they beat around the bush and answered with extraneous information ) that the two extra payments I was seeing every month were indeed going away from me, not to me. Please refer to the attached PDF. If the money is going away from my account : 1 ) Why is it that the automatic payments have a negative sign ( i.e. the most recent one says " $ XXXX '' ) while the other two don't have a negative sign next to them? If all three of them are payments being taken out of my account, either all of them should have a negative sign or none of them should.
2 ) Why is it that we're almost a year in yet the balance is nowhere near down to half of the {$9500.00}?
I asked these questions on the phone, and the receptionist kept dodging the questions and trying to distract me, and when I started to get to the bottom of the matter, I was forwarded to " another department '' multiple times. This is not rocket scienceall of the questions I was asking can easily be answered by one person at the company ; it doesn't take three specialty departments worth of information. They continually neglected to answer my questions adequately and gave me the runaround, until at one point I was on the phone with one of the receptionists and cut through the fake answers, and she hung up on me. I tried an online chat, and upon asking questions that were getting to the bottom of the matter, the agent abruptly ended the chat. How dare they take one penny of my money and not provide straight answers.
At this point, it was becoming suspicious that this company is a scam. So I conducted some research, and many forums people tell stories of being scammed by them. One particularly reputable forum is the XXXX XXXX XXXXXXXX which their profile ( XXXX XXXX XXXX ) has one out of five stars based on nearly a thousand ratings.
The transfer was coming from my main bank, XXXX XXXX. I explained the situation to them, and they said they would look into it, and presumably took some action. Synchrony then sent two texts and one email in less than 24 hours. I called them and told them to inquire XXXX XXXX, not me, about this. Right afterward, they disregarded my instructions and contacted me directly again despite being told not tothis is called harassment.
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| 01/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I am a customer of Synchrony Bank XXXX Care Credit. Recently my account changed from a Care Credit charge card to a Care Credit Rewards Master Card. This was not a change that I requested. Due to the change and subsequent confusion regarding which app or website to use to make a payment as well as personal infirmity, I missed a payment that was due on XX/XX/XXXX. On XX/XX/XXXX I received a call from Synchronys automatic payment reminder system. At that time, I opted to use my XXXX debit card to make a {$200.00} payment to my account ( the minimum due was {$54.00} ). I received a confirmation number for my payment and immediately saw the transaction as pending in my checking account.
A week later I received another call, as well as an email, reminding me to make a payment towards my account. Having just made a payment, this alarmed me. I logged into my account and saw a charge for a late fee, but no evidence of my payment of {$200.00}. I looked at my checking account and found that the {$200.00} transaction had been debited from my account on XX/XX/XXXX. From there, I contacted customer service for Synchrony. I explained the situation from my perspective and why I was concerned. I was advised that the payment had been processed, but not posted to my account. They offered to file a dispute on my behalf. The agent could not tel me where my payment was, nor any other information. I was assured that this is the first time this has happened and that they would file a dispute. I maintained then, as I do now, that the only thing in dispute is what Synchrony has done with my payment. I escalated my call to a supervisor who repeated that the payment had been processed but not posted and that a dispute would be filed on my behalf. They offered no further explanation but assured me that the payment just needed to be posted to my account. I was advised to wait XXXX hours to see the payment post.
On Monday, XX/XX/XXXX I looked at my account to see if my payment had been posted. It had not. I submitted a message through the secure messaging system to follow up on the status of the payment. On XX/XX/XXXX I received a message back stating that they could not find evidence that the payment had been made and requested that I submit proof from my financial institution.
I contacted customer service via phone again on XX/XX/XXXX and asked for a follow up. I was told again that they could see the {$200.00} payment but that it wasnt posted. Further inquiries into the matter resulted in obfuscation of information regarding my account, demands that I provide proof of the transaction, and overt coercion to make an additional payment while the dispute was pending. Again, I escalated the matter to a supervisor. The same information was repeated and demands made.
I contacted my financial institution for the requested information. They advised that this was a straightforward debit card transaction that was fully processed. After consulting with an escalation team, the representative advised that the level of information requested by Synchrony for this type of transaction was onerous and suspicious. They provided me with all of the tracking information for the debit card payment and stated that the option of disputing the payment was available to me if I wished to exercise it.
I have provided the information regarding the payment to Synchrony through their secure messaging system and am awaiting a reply.
I want help, please, resolving this matter and holding Synchrony accountable for their gross mismanagement of my good faith payment.
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| 08/09/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I am filing this report in hopes that you will be able to help me get this matter resolved once and for all. I have been trying to get this matter resolved for almost 8 months now to no avail. In XXXX purchased a pair of pants at JCPenney for {$48.00} with my credit card. When I received my monthly billing statement for XXXX I sent my payment for {$48.00} on XXXX. Synchrony Bank received my payment on XXXX. The due date on my statement was XXXX, thus they received my payment well before it was due.
In XX/XX/XXXX, I received a letter dated XXXX ( letter # XXXX attached ) from Synchrony Bank advising me They had not received a payment for the past due amount ( {$48.00} ) on my credit card. I immediately called them and advised them that through my research I found that they had received by payment on XXXX and it was credited to the wrong account. Synchrony Bank checked into this matter and sent me a letter dated XX/XX/XXXX ( letter # XXXX attached ), advising me that they had indeed received my payment on XXXX and the payment was corrected where applicable the had adjusted the amount of any interest charges or fees that were assessed to my account as a result of the delay in posting my payment. At this point it appeared that everything was taken care of, so I thought, apparently I was wrong.
I received another letter in XXXX dated XXXX ( letter # XXXX attached ). I called Synchrony Bank once again and finally on XXXX I was able to speak to someone at the bank. Per their letter they advised me that they had lowered my credit line to {$140.00} because of an external credit score they received from the Consumer reporting agency. The next thing I know I receive another letter from Synchrony ( letter # XXXX attached ) advising me I was required to make a payment on my account on the {$120.00} balance that was past due.
At this point I was livid, I called Synchrony Bank again. As you can see they would never call me they would always send me a letter. They sent me another letter dated XXXX ( letter # XXXX attached ) advising me that they were unable to remove these fees and interest charges. They also stated that information about how the interest charges and late payment fees are assessed and how these fees may be avoided can be found in my card holder agreement as well as the payment information section on my statement. How can I be assessed late fees and interest each month when my payment of {$48.00} was sent them by my bank on XXXX and received by Synchrony Bank on XXXX well before the due date of XXXX. I should never have been assessed these charges and that is why I am asking Synchrony Bank to credit my account for all the late fees and interest charges they assessed on my account. I sent the payment in well before it was due.
To make matters worse I received another letter dated XXXX ( letter # XXXX attached ) which is identical to ( letter # XXXX attached ). They did change the date on the letter from XXXX to XXXX. Both letters # XXXX and # XXXX were of no use to me. Then they sent me still another letter dated XXXX ( letter # XXXX attached ) advising me that it may take them one or two billing cycles to look into my account and respond to me, Today is XXXX and I still have not heard anything from Synchrony Bank/ JCPenney Credit Card Services It is almost 3 months that I am wating for a reply from them. I need to get this matter resolved as soon as possible. I dont want my credit score to be hurt in anyway by this matter. I suspect that may already have been. Thank you for any help you may be able to give me.
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| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My inquires to XXXX ( Account : XXXX ), GE Capital Retail Bank ( Account : XXXX ) and XXXX XXXX ( Account : XXXX ) confirmed that XXXX Credit Bureau has never validated or verified the erroneous entries on my credit report pertaining to those 3 named accounts. In XX/XX/XXXX XX/XX/XXXX anXX/XX/XXXX, sent through certified mail, I mailed letters to XXXX in order to dispute the validity and reporting status of these accounts. I cited that according to section 616 and 617 of the FCRA that if these accounts were not verified, then by law they should be deleted from my credit report. Despite three written requests, the unverified accounts still remained on my credit report in violation of Federal Law. XXXX is required by federal law under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of the investigation XXXX stated, in writing, that additional information had been provided, and that the creditor verified to them that these items were being reported correctly. I was not informed as to what information was provided about the accounts, and more importantly, I was not provided with a copy of any original documentation. This documentation would be a consumer contract, or business agreement with my original signature on it as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA.
I followed up with a fourth dispute letter to XXXX in XX/XX/XXXX and was met with a letter from them stating that they will not reinvestigate my claim. This is also a direct violation of the FCRA when you consider the fact that they never conducted a reasonable investigation in the first place. Furthermore, XXXX unwillingness to conduct a reasonable investigation should not be taken lightly, as attempting to work with them has caused me to lose opportunities due to these errors. I have attached several documents that will prove the following : 1. That XXXX never requested verification or validation in the form of and original contract with my signature on it to ensure 100 percent validation/verification, as I have requested several times which is in direct violation of the FCRA.
2. That even though I filed a dispute with XXXX regarding the validity of these exact accounts, and XXXX followed the law and deleted these invalidated accounts ; knowing this, XXXX did not conduct the reasonable investigation needed in order to make sure that their reporting of these accounts was accurate and congruent with the other Credit Reporting Agencies.
3. These companies DO NOT have any contracts with my original signature on it.
4. These companies DO NOT have a contract that states that I consented to a relationship with them, business or otherwise.
5. They DO NOT have either of these items at their physical location, or in their physical possession in the form of an original or E-Signature.
6. Again, per the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for reporting to your services could fax, mail, or email in fraudulent and erroneous account information.
I have given XXXX multiple opportunities to follow the laws and Ive even called them in order to discuss my concerns, to no avail. Please assist me with this matter, as it is very clear that these accounts should be permanently deleted from my credit report.
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| 09/27/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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What I care about is my XXXX balance due was {$16.00}. I paid {$32.00} ( 2 x {$16.00} ) by XX/XX/XXXX and {$32.00} of charges were made. My balance should be XXXX because the last {$16.00} charged should be covered by the second {$16.00} payment in XXXX QVC says I owe {$17.00}.
REFER TO : XXXX ; XXXX The {$16.00} payment I made on XX/XX/2021 should be applied to my XXXX XXXXnstallment payment 5 of 5.
This is the breakdown chronologically : XX/XX/XXXX On XX/XX/XXXX, I made a {$16.00} payment to my QVC credit account with my XXXX checking account BillPay.
{$16.00} was the total balance of my QVC account and the total amount due by XX/XX/XXXX according to my bill.
REFER TO : XXXX XX/XX/XXXX On XX/XX/XXXX, I checked my QVC account online to make sure my {$16.00} payment was applied. I was surprised when my QVC account stated that no payment was made on XX/XX/XXXX.
I immediately called XXXX XXXX ( XXXX ) and the representative said there were no payments made recently to the account. She took a phone payment for me and I used XXXX XXXX XXXX XXXX XXXX acct to pay the {$16.00} total balance due.
She suggested I open a Missing Payment Dispute for the XX/XX/XXXX payment that was never applied. I agreed. A credit of {$16.00} was applied to my QVC acct that day as a courtesy while my missing payment was being investigated.
REFER TO : XXXX ; XXXX XX/XX/XXXX As of XX/XX/XXXX, my {$16.00} XX/XX/XXXX payment was applied and my {$16.00} XX/XX/XXXX payment was applied to my QVC account.
REFER TO : XXXX On XX/XX/XXXX, my Missing Payment Dispute was closed even though QVC said I had 15 days to send evidence. My dispute was opened 2 days prior on XX/XX/XXXX. In addition, QVC researched the wrong payment. I asked for the XX/XX/XXXX payment not the XX/XX/XXXX payment to be researched for my Missing Payment Dispute.
REFER TO : XXXX ; XXXX XX/XX/XXXX QVC says that my {$16.00} XX/XX/XXXX payment was returned to my bank unpaid. I never received a {$16.00} credit from QVC to my XXXX XXXX acct and my balance shows {$16.00} was debited from my XXXX acct through XXXX on XX/XX/XXXX.
REFER TO : XXXX XX/XX/XXXX QVC says my balance is XXXX but I made to {$16.00} payments. I should have a {$16.00} credit on my account to be applied to my next bill.
REFER TO : XXXX XX/XX/XXXX QVC message is very confusing, and Id like these questions answered : When was the {$16.00} XX/XX/XXXX payment returned to my XXXX XXXX acct?
What 2 charges were made this month? Why were ( 2 ) monthly installments charged in the same month?
The XX/XX/XXXX payment was a courtesy credit which was reversed when my Missing Payment Dispute was denied. I made payments on XX/XX/XXXX and XX/XX/XXXX.
REFER TO : XXXX ; XXXX XX/XX/2021 This is my XX/XX/XXXX QVC billing activity to date. Please review the notes.
REFER : XXXX Also, as of XX/XX/XXXX, I have not received any credits from QVC or Synchrony to my XXXX XXXX account. QVC says the payment made from XXXX on XX/XX/XXXX was returned and it should be credited back to XXXX acct.
FILE : XXXX I have never been billed in 1 month for XXXX Installment payments like I was in my XX/XX/2021 bill. However, I dont care about that.
What I care about is my XXXX balance due was {$16.00}. I paid {$32.00} ( 2 x {$16.00} ) by XX/XX/XXXX and {$32.00} of charges were made. My balance should be XXXX because the last {$16.00} charged should be covered by the second {$16.00} payment in XXXX QVC says I owe {$17.00}.
REFER TO : XXXX ; XXXX The {$16.00} payment I made on XX/XX/2021 should be applied to my XXXX XXXX payment 5 of 5.
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| 10/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Paypal Synchrony PAYPAL CREDIT/SYNCB XXXX XXXX XXXX XXXX, FL XXXX 1. Your response to my previous complaint CFPB XXXX XXXX Your payment in the amount of {$320.00} was posted to your account on XX/XX/2020, and applied in accordance with our standard procedure using the method that was disclosed in the terms and conditions that govern your account. Your payment, however, was reallocated on XX/XX/2020. The promotions set to expire on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020, and XX/XX/2020, has been paid in full ; therefore, any deferred interest charges accrued are waived.
No, not only the entire {$320.00} were allocated to promotional charges, but extra funds were taken out of the Easy-Payments balance and added to promotional charges making the Easy-Payment reset which added a 1extra month to it, which I did not ask. If a purchase in the amount of {$1100.00} was made on XX/XX/2020, with a contractual agreement of {$40.00} monthly payments for 36 months, how come on XX/XX/XXXX the remaining balance was {$1200.00} with remaining 37 months? It simply does not make sense. I had to call PayPal yet again to correct the issue.
2. Your response : If, in the future, you wish to provide special instructions for allocation of payment, please contact customer service directly concerning this allocation. Please read my complaints or my file. I believe your company keeps or should keep the logs or files for each call. Every month I call PayPal and ask to allocate funds between promotional and Easy-Payments balances. Never happened as requested. If you dont have the logs, I can provide it for you because I log each call to PayPal.
3. Your response : I attempted to call you on XX/XX/2020, in order to discuss your account ; however, I was unable to contact you and left a message on your voicemail. I can be reached at the phone number provided in my profile ( it is visible from my side of the profile. I hope you can see my profile from your end ). There is no VM left on my phone from PayPal. Please indicate the date and time the call was made.
4. Your response : We will use each payment in the amount of the minimum payment due or less, first to pay billed monthly plan payments on any Easy Payments Purchases, then billed interest, then billed fees, then the principal balance, and then any other amounts due. Please follow your own policy! Easy-Payment is {$40.0
0} meaning that only {$40.00} should be allocated to Easy-Payments monthly unless requested otherwise. The remaining should be allocated to promotional charges ( there are no standard charges, no interest, or fees ). There are only two balances : easy-payment and promotional charges.
5. On XX/XX/2020, at XXXX XXXX EST, I called PayPal Credit SYNC BANK and spoke with agent ID XXXX. He corrected both balances as it should be. He fixed the Easy-Payment to the correct amount of {$1000.00} from {$1200.00} and added back the promotional charges as it should be.
6. On XX/XX/2020, at XXXX XXXX EST, I made a payment in the amount of {$390.00} asking to allocate funds as per PAYPAL SYNC own policy : {$40.00} to Easy-Payment ( as per contract ) and the rest of the find to cover promotional charges ( $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$81.00} ). There are no other charges on the account. As of today, XX/XX/2020, all funds are allocated to Easy-Payment.
Please re-allocate funds as requested on XX/XX/2020. I am following my part of the contract. Please follow your part of the contract.
This never happened with PayPal before its integration with SYNC BANK.
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| 09/10/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I bought a couch from XXXX XXXX XXXX on XXXX. I opened a credit card with them to take advantage of the 0 % interest, since I had done this before with them about 8 years ago with no issues. My monthly payment is {$82.00}, so I set up a weekly automatic payment through my bank for {$25.00} every Friday, with the first payment being made XXXX. Everything was going fine until I looked at my XXXX statement and saw a {$30.00} late fee on it. I used the chat feature on their website, and the agent was very nice and waived the late fee for me. I ended the chat and then was really wanting to know why I got the late fee, so I tried to start another chat, but it was late at night and no one was available, so I waited until the next day. The rep I chatted with was very nice and listened to what I had to say, but I was blown away by the reason I was charged. My due date is the XXXX every month, and so far, the statements have dropped on XXXX, XXXX, and XXXX. Well. I have paid {$25.00} every Friday, so there's no way I should be charged a late fee, right? I'm paying at least {$18.00} more than the minimum every month. So, apparently with this card, if you pay after the due date ( XXXX ), but before the statement drops ( XXXX or XXXX ), A WEEK LATER, your payment gets applied to that month and will NEVER be carried to the next month. This is what the representative told me. When I look at XXXXXXXX XXXX statement, I have payments on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. That's {$150.00}. XXXXXXXX XXXX statement says I paid XXXX, XXXX, XXXX, and XXXX. So, according to their shady practices, I only made three payments by the due date in XXXX. They did not take my XXXX and XXXX payment and apply it to XXXX, even though I had already paid {$100.00} by the due date in XXXX, because they were made after the due date and before the statement generation. Excuse me??!! So they are essentially only giving customers three weeks to pay their bill without receiving a late fee. This can't possibly be legal. I looked at all the disclosures that are available to me and this is mentioned not one time. So now it says I owe {$110.00} for this month, because of the {$30.00} late fee, so I asked about it going back to {$82.00} since the late fee was waived. The representative told me that since the statement was already generated, they can't change it from the {$110.00}. Well, I made a payment XXXX, but guess what? That doesn't go towards XXXX, it is counted as an XXXX payment. So now, not only do I have to pay {$110.00}, but my first {$25.00} payment for this month doesn't count towards it, and now I only have three weeks to pay {$110.00} without getting charged a late fee. What am I supposed to do? I'm having to pay an extra {$55.00} this month with a week less to pay it. How is that not detrimental to me when I did NOTHING WRONG? I have been paying faithfully and over what they're asking for and this is how I am treated in return. So while they waived my late fee, I am still having to pay an extra {$30.00} this month, or I'll get another late fee! So I am forced to pay the late fee that they " waived ''. I just wonder how many other people are doing the same thing and getting charged {$30.00} late fees here and there, but they don't pay attention, so this company is just making money off of GOOD CUSTOMERS. As I have said, I've purchased from XXXX XXXX XXXX before, and I really do love the couches I've purchased, but after this situation, I will not be purchasing with them again, and I will warn everyone I can about their shady practices.
|
| 11/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
|
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Paypal Credit DECEPTIVE ADVERTISING!!!!!
I applied for a Paypal Credit account after seeing advertising for their six months interest free purchases. I applied and received the card. I used the account to pay for dog training lessons. One month later I had credit interest charges on the account. When I called to ask why they said I did not make a " special financing '' purchase which means it needed to be an online purchase when in fact I made a " cash transfer '' to my dog trainer which means account to account. When you view the advertising and special terms is says NOTHING about online purchases only. I am an intelligent consumer and would not have done it if it was clearly only for online purchases. I then made a purchase and thinking I had six months, only made a six month incremental payment instead of paying off the balance. I then received an interest charge in the first month.
This is a deceptive marketing practice and is meant to lure people in with six months interest free offer but then not make clear that it has to be for online purchases. They then know that people will make purchases that don't qualify and they can charge them interest.
XXXX XXXX XXXX XX/XX/2019 - Date opened account XX/XX/19- Date of first purchase of {$1000.00} XX/XX/19- First payment of principal of {$180.00} ( {$1000.00} / 6 months ) XX/XX/19- Interest charged to account {$19.00} XX/XX/19 - went online to make payment and saw interest ; called customer service After several minutes of arguing i forced them to refund my interest and promised to payoff the account. I told them this was deceptive marketing and they KNEW IT!
XX/XX/2019 - payment of {$910.00} to transfer on Monday.
Here is the advertisement in full. Nowhere in this does it say for online purchases only. The first line highlights the six months of interest free period.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Purchases of $ XXXX : No Interest if paid in full in 6 months on purchases of {$99.00} or more.
Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 months period.
No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.
For New Accounts : Variable Purchase APR is 25.99 %. The APR is accurate as of 9/1/2019 and will vary with the market based on the Prime Rate ( as defined in your credit card agreement ). Minimum Interest charge is {$2.00}.
Individual items that are less than {$99.00} qualify for special financing when combined for a total of {$99.00} or more in a single transaction.
Multiple separate transactions of less than {$99.00} per transaction can not be combined to meet the minimum purchase amount.
Purchases of {$98.00} or less : Buy now and pay over time with PayPal Credit when you spend {$98.00} or less.
If you pay your balance in full each month by the payment due date that is on your statement, you can avoid paying interest.
Or, make minimum monthly payments, or any additional amount of your choosing, until you've paid off your balance according to your standard account terms. Please note, interest charges may apply.
We'll send you email reminders when your payments are due. You can also keep track of your account and view your statements online at any time.
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| 08/07/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
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hello. today I spoke with XXXX # XXXX, account manager at amazon.com. I called in reference to the constant late fees that had been applied to my account since XX/XX/XXXX. I am a XXXX XXXX veteran who gets paid once a month, so I pay and track my credit cards on a monthly basis. Every month, I call the amazon credit card phone system to see what my monthly bill will be. I have always submitted an electronic monthly payment of XXXX dollars on the XX/XX/XXXX of the month, since I opened this account. After I have made my payment I would call the amazon phone system to make sure my payment was processed and if I needed to make any additional payments. this is the body of my complaint, " how their phone system is informing a customer like my self of what the minimum payment is due. '' the Amazon phone system is not an accurate reporting system and is the reason why I am being charged these late fees. My payment due date is the XX/XX/XXXX of each month. For example take this month of XX/XX/XXXX ; I have made my payment of {$75.00} on the XX/XX/XXXX and called their automated system to see when my payment was applied and how much if any additional I may still need to pay. their automated system states '' your minimum payment due for the billing period ending XX/XX/XXXX is {$99.00}, thank you for your payment of {$75.00} received on XX/XX/XXXX. '' I am not the most intelligent person, however this leads me to believe that I still owe amazon {$24.00} for this current bill. The automated system DOES NOT SAY, " YOUR MINIMUM PAYMENT DUE for the billing period ending ON XX/XX/XXXX IS {$160.00}, THANK YOU FOR YOUR PAYMENT OF {$75.00}. YOUR REMAINING PAYMENT DUE IS {$99.00} DOLLARS, '' which I believe it should so customers are not mislead and charged these late fees. I feel this is a deceptive and unfair payment notification system being implemented by Amazon. their automated information should accurately state, " YOUR MINIMUM PAYMENT DUE for the billing period ending ON XX/XX/XXXX IS XXXX, THANK YOU FOR YOUR PAYMENT OF XXXX. YOUR REMAINING PAYMENT DUE IS XXXX DOLLARS. '' faithfully I would call the amazon system and if there was any amount in excess of that {$75.00} dollars I would just phone in the payment, for instance the system stated {$99.00} dollars was due on XX/XX/XXXX, so intended to phone in a payment of {$24.00}. not at one time did the system inform me that the payment due XX/XX/XXXX was {$160.00} and the payment I had already made was applied towards that {$160.00} amount. I have recently gained access to a computer that allows me to securely access their website and I noticed that I had been being charged these late fees and come to find out per XXXX # XXXX I had been being charged these late fees as of XX/XX/XXXX. XXXX is a very professional person and credited these fees and interest as of XX/XX/XXXX, however I inferred the fact that I was mislead by their automated system and should be credited to the fullest extent of retroactivity for all late fees and interest as of XX/XX/XXXX. Again, I barely use the card and the fees totaling in excess of XXXX have been added to my balance and accrued interest. I have multiple credit cards, when I call their automated systems I am told accurately, YOUR MINIMUM PAYMENT DUE for the billing period ending ON XXXX IS $ $ , THANK YOU FOR YOUR PAYMENT OF $ $ $ YOUR REMAINING PAYMENT DUE IS $ $ . again I believe this is a deceptive trade practice and my account should be credited to the fullest extent of retroactivity for all late fees and interest as of XX/XX/XXXX.
|
| 03/04/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American |
|
Company : Synchrony Bank ( d/b/a Care Credit ) Complaint : Repeated refusal to provide copy of initial account agreement to prove both parties are jointly responsible/liable for the balance on the account ( as opposed to one primary, and the other - merely an authorized user ).
On XX/XX/XXXX, I opened this Care Credit account for the support and XXXX care of the many rescued ( abused ) companion animals that reside ( for life ) in my home.
On XX/XX/XXXX, an adjunct card - XXXX - was added for the sole purpose of a one-time purchase of prescription eyeglasses by XXXX XXXX XXXX, who was added as an authorized user for that expressed purpose at that time ... to the best of our collective recollection.
Despite being paid off in a relatively short time, the account lay dormant for several years, until - at my behest - it was closed for non-use on XX/XX/XXXX.
XXXX and I are divorced, and are amicably seeking to separate our finances : To that end, we have repeatedly asked Synchrony Bank to remove her from any and all liability for the remaining {$3700.00} balance ( out of a {$4500.00} limit ).
They have stubbornly refused to provide proof that both of our names were added as account holders at the time the initial application that created this account was filed.
It is our recollection and contention that she is merely an " authorized user '' who did NOT participate in the original application ( as required by law ) and should therefore NOT be liable for the remaining balance, and should indeed have her authorization revoked ( at our request ) and her name removed from the account ( and subsequently, have this account removed from her credit reports ).
Despite numerous online and email messages being sent, the sole paper correspondence received that actually addressed this issue ( dated XXXX, XXXX ) completely ignored our request - and provided no contact information by which to reach the originator ( no phone, nor email address ), other than a post office box to which written correspondence might be directed.
Completely useless and meant to delay actually addressing our specific request.
Per Synchrony 's directions, XXXX had sent a letter on XX/XX/XXXX, requesting the actions specified above.
Having received an inappropriate response - which failed to address our simple request - dated XX/XX/XXXX ( attached ) ... followed on XX/XX/XXXX, by yet another utterly irrelevant document ( also attached ) ... online correspondence from myself which had commenced on XX/XX/XXXX continued through XX/XX/XXXX ... accompanied by numerous, lengthy telephone calls amplifying our repeated requests.
Despite clear, unambiguous, specific requests for the original account application, Synchrony Bank has refused to address that request and provide proof that both of us requested and signed the initial application that this account was approved and authorized by.
Interestingly - and disturbingly - during these many weeks, " remarks '' were added and removed from our credit bureau reports ... remarks that we were unable to actually see, but that had decidedly negative impact on our credit scores - lowering each by several points.
We firmly believe those remarks were retaliatory in nature, and included for the sole purpose of punishing us for our continued, dogged pursuit of the documentation requested.
We are asking the assistance of CFPB to compel them to address this simple request and provide proof-positive of XXXX 's " account holder '' designation, as opposed to mere " authorized user '' status.
|
| 09/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I have a Credit with SYNCHRONY BANK ( for a Guitar Center Store credit account ) which I have been paying timely for over a year now.
1 ) My due Date is on the XXXX of every month and I have my automated payment set up in order to never miss a payment. In this opportunity I MADE SURE I went in my app and ADDED a NEW Bank Account and SCHEDULED my Auto-Payment to be withdrawn FROM that New Bank Account instead of the OLD ONE.
I annex Exhibits 1 ( Update of Banking Infomation Confirmation E.mail ) and Exhibit 2 ( Schedule of Payment with New Bank Account Confirmation Email ).
2 ) On date XX/XX/XXXX Synchrony Bank went ahead and deducted from my New Bank account as I requested BUT They ALSO deducted from my OLD BANK ACCOUNT, charging TWICE my mnimum payment.
I attach Exhibits 3 ( Payment withdrawn from XXXX XXXX XXXX. Account endind in XXXX for {$28.00} min. Payment on date XX/XX/XXXX ) Exhibit 4 ( Payment withdrawn from XXXX XXXX XXXX Account ending in XXXX for {$28.00} min. Payment on date XX/XX/XXXX ) Exhibit 5 ( Capture from the App of Synchrony Bank where payment of XX/XX/XXXX is shown TWICE ).
Exhbit 6 ( Internal Message from Synchrony where they Admit they charged twice ).
3 ) Now the problem is this : By charging my account ending in XXXX Synchrony Bank CAUSED ME AN ADDITIONAL FEE OF XXXX $ WITH XXXX XXXX XXXX. Because There wasnt enough credit in that account, so by charging Synchrony Banks mnimum payment they made me incurred in overdraft with XXXX and of course they went ahead and charged me for it.
Now, Synchrony Bank did not have my persmission to charge or withdraw better said from XXXX XXXX XXXX. My mnimum payment, that is why I MADE SURE I went in ON TIME and told them to please start withdrawing from my New XXXX XXXX XXXX Account where I had sufficient funds from.
( Please See Exhibit 3 XXXX XXXX XXXX. XXXX $ for overdraft Fee ).
4 ) I talked to Synchrony Bank, both on the phone and through an endless series of e.mails back and forth about the situation and they want to cancel ONE of the payments of course and RETURN IT IN A CHECK.
BUT THAT DOESNT SOLVE MY PROBLEM.
It was THEM WHO MISTAKENLY CHARGED MY OLD ACCOUNT CAUSING ME AN EXTRA BURDEN OF XXXX ADDITIONAL .
My request to them was : PLEASE REVERSE THAT TRANSACTION. If you take it back the Bank will forgive-eliminate-wave or whatever corresponds that XXXX $ fee, B U T if Synchrony Bank gives me a check I STILL HAVE TO PAY XXXX XXXX that XXXX XXXX
So If Synchrony Bank wants to send me a check for XXXX $ PLUS XXXX $ that would make it, but of course theyre not going to do it and Im not asking them to, All Im asking is to Revert Electronically the transaction.
But they indicate they cant do that.
( Exhibit 7 where in a private message through the App Synchrony Bank tells me in written what they told me over the phone, that they ARE going to send me checkjust for XXXX $ in two or three weeks ) And so thats where we are right now, Im having to asume an extra payment that Synchrony Bank caused because of their mistake and Im having to pay for it.
Can you please talk to them to see if they can return-cancell or call out their transaction with XXXX XXXX XXXX. For XXXX the XXXX for XXXX $? Please tell them dont send me a check, I dont need a check all I need is for them to reverse it directly with the bank so that the Bank can wave that extra XXXX $ fee. Its not so hard to understand. I hope they can listen to you, I have sent them a total of 08 private messages through the app telling them, explaining, but none seems to care.
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
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With PayPal, I opened a paypal smart connect card for it's online use on XX/XX/2013. Two to three years later my credit had improved from a XXXX to XXXX according to credit karma, when I began receiving promos from paypal. The Promo I received was an " upgrade '' for my smart connect card to now have a mastercard logo and a physical card to use " offline, '' called paypal smart connect mastercard. Note the only word changed is Master. When I inquired about the new card, i specifically asked if they pulled my credit, if the card acquired started over as if a new card was in service : Paypal said No. I asked if the old paypal smart connect card credit line would be shut down : PP said Yes, but my account would stay intact and be upgraded with the mastercard logo. They said this new feature, ie physical credit card, would be an upgrade for having outstanding credit and a perfect history. I asked if I could still get credit limit increases : PP said yes. I told them I really didnt need another physical card, but if there was no negative impact on my credit report then they could go ahead and enroll me in the upgraded card for my same account. I enrolled and activated new card. Next : upon having a XXXX credit score and looking at options to buy my rented home. Paypal dropped my Smart connect card ( reported : SYNCB/PAYPALXXXX ) reported it closed by consumer on credit report ( CR ) and then reported an open account under SYNCB/PAYPAL CREDIT CARD. Now when I inquired and first raised this problem to PAypal, they said I need to talk with synchrony bank, but that my new card was a paypal smart connect card with a mastercard logo. As time went on, they called it a paypal smart connect mastercard, vs the old smart connect credit line was called paypal smart connect card. I contacted synchrony on two occasions by mail and explained that because of my credit report showing new credit and my oldest line closed, that my credit report had dropped XXXX points and if it wasn't fixed i could not qualify to assume my home morgage, as I was the current renter. They ( PayPal, PP ) stated their actions were justifiable and that they would not change it. Furthermore, any upgrade on a card means to close an account and replace with new credit line. However, both of these are false. I have XXXX XXXX and XXXX XXXX who both offered the same type of " upgrade '' and their credit reporting was accurate and true to the advertisement they pitched. After the second inquiry into sychrony, they told me that there findings were similar and that legally they can not change mmy credit report for this matter. However since then, Synchrony has sold there Walmart card to XXXX XXXX and changed the reporting and done so accurately. They have even changed the name of the smart connect card on my credit file to distinguish the difference between the two cards. Finally, I never received any CL increase on PP smart connect mastercard like I was on my smart connect card until recently, as promised. And the most agregious part is that the format for my paypal smart connect mastercard for online login has no distinguished separation from the old smartconnect card. Therefore there is no way to separtly get into my PPsmrtconnct master card with out accessing paypal smart connect site first and the making payments through Paypal 's site takes me to Sychrony bank site with my mastercard information. I have spent years looking for literature online to explain this case. I lost a lot because of their abuse and it has changed the course of my life.
|
| 12/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I had called into PayPal at the first of the year to look at getting the PayPal Cash Rewards Credit Card because the credit had better benefits than my current PayPal Extras MasterCard. I was instructed to closed my current credit card so I would be able to apply for the Cash Rewards Card. I asked if there was a different way to do it since I did not want to close the Extras Master Card because I have had it since XX/XX/XXXX and never had a late payment. On XX/XX/XXXX I closed the PayPal Extras Master Card. I had to wait a full cycle for it to closed officially, and I also had to wait for it to come off my PayPal account to be able to physically apply for the PayPal Cash Rewards Card. On XX/XX/XXXX, I applied for the PayPal Cash Rewards Card through the PayPal website. I was approved, but only for a {$300.00} limit. I was actually really surprised by the amount since it was so low, and I had been recently approved for XXXX Card for {$9000.00} two weeks before I applied for this card.
On the same day I called to inquire about the XXXX limit given and no one could give me any information concerning the reasoning behind this decision nor give me criteria to understand the decision. I asked for a increase to {$5000.00} and it was declined. They could not tell me why, but stated I had to wait for the letter, and they could not tell me anything. I was very upset due to the fact no one could help me or even point me in the right direction. I received the denial letter in the mail which is attached and dated for XX/XX/XXXX stating " Insufficient credit experience at your current credit line '' which was not determined by using any credit history so they say. The funny thing is when I spoke to XXXX XXXX on XX/XX/XXXX they said they do a soft pull to make credit line increase decisions. Therefore, the fact they used a letter saying no credit report was used is a lie if in fact the soft pull was done. On XX/XX/XXXX, I asked for another line increase to {$2000.00} and was denied again. Again, I had to wait on the letter. This letter dated for XX/XX/XXXX states the reason for denial was Our decision was based in part on a credit scoring system that was used to predict your creditworthiness. The reason ( s ) for our decision are listed below : Insufficient information to determine account performance score. Again, I called in on XX/XX/XXXX and no one could explain this. On XX/XX/XXXX I wrote a letter to the company explaining my issues. They replied on XX/XX/XXXX requesting me to apply for a increase on the phone or send in a detachment from the XX/XX/XXXX letter. I did call on XX/XX/XXXX and was denied due to Insufficient information to determine a account performance score ''. I also sent in the the paper version and also got a denial on XX/XX/XXXX stating Insufficient experience at your current credit line. When I would call and ask why I kept getting these decisions they kept referring me to contact the credit reporting agencies. This is wrong advice because a reporting agency was not used to make this decision. Synchrony Bank does not have sufficient folks that understand the situations, and even when you get to a account manager they are not trained at all. As a consumer that values her credit this is very frustrating when I pay my bills on time and have great credit history. I believe my closure on my PayPal Extras Master Card was used against me on my PayPal cash rewards credit line determination. I am concerned that Synchrony Bank 's practices are unfair and would like a investigation into this matter.
|
| 04/04/2016 |
Yes |
|
|
|
Web |
|
|
Synchrony Financial ( formerly GE I believe ) offered me credit when I was in XXXX buying a Computer. I decided sure, why not, just do a monthly payment plan vs. lump sum. I am a well educated consumer and XXXX, so I do not engage in using credit unless I know what the heck I 'm doing and certainly would not agree to pay 29.99 % interest. In this case, I used the offered credit and paid monthly on auto-pay thinking I 'd have it paid off by end of term when interest kicked in. I manage a lot of accounts on auto pay setting everything up in such a way that I know what interest I am paying to service what credit. At any rate, since all my accounts are on auto pay, this account clicked over a 'deferred interest charge ' of {$980.00} and last month I could not figure out how my balance was {$1700.00} on this card having increased not decreased after paying for 12-18 months??? So looking into it found out the term was up on XXXX 2016 but that I did not get any visible notice on this in email or an alert to any effect other than the same email I always get on all my cards. I would have had to log in to see their RED LETTERs saying deadline looming= {$1000.00} penalty if balance is n't paid now. Of course if I was aware of this I would have paid it!! This is a very deceptive practice because consumers who are XXXX would NEVER understand these terms and with me, I am even financial services trained and MISSED the fine print on this one. I immediately paid my principal balance in full leaving only the injust interest charge on the account with 29.99 % interest tacked into it. I called Synchrony to sort out the issue indicating I would be willing to pay some interest in exchange for the credit but not this huge amount -- which in essence made the cost of my apple computer purchase XXXX!! What consumer in their right mind would agree to that?? The practice of " deferred interest '' as was practiced here was that the cumulative amount on principle owed was exponentially applied. I agree that banks need to make dollars thru extending credit, but not in such a way that missing a deadline becomes a {$1000.00} mistake!!! I called and escalated this up to manager level and I was told I signed a contract and no negotiation was possible, and in other words, pay the interest or we will ruin your credit record! That is what this amounts to. There is no dispute or concession option, no negotiating, no customer support other than, pay up or we will mark you as a defaulter and we are covered legally. No matter the " signed paperwork '' ... these partnerships with appliance and large dollar item electronic stores etc. and Care Credit for that matter is a horrible system ... as I said, I would never have agreed to do such a thing with cumulative interest coming due in a lump sum. I paid my full balance in good faith immediately upon seeing this, and the company refused to give any concessions. This company counts on consumers not paying off their balance so they can make the interest. Yes, they attack with 0 % until ... but most of these offers with my credit card company do n't cumulative-defer the interest ... interest on current balance only kicks in once the 0 % term is up. All credit practices should the STANDARDIZED so what people are used to managing do n't require they study contracts because they can all be different!! It is as if the consumer has to become a financial services professional or hire one in order to conduct business. How do I reduce the amount I need to pay for a {$1000.00} mistake? Best Regards, XXXX
|
| 06/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To : SYNCHRONY BANK XXXX XXXX XXXX XXXX, PA XXXX CC : SYNCHRONY BANK/PayPal Credit XXXX XXXX XXXX XXXX, PA XXXX XXXX : Consumer Financial Protection Bureau XX/XX/XXXX ADDITONAL INFORMATION REQUEST TO COMMENCE DISPUTE WITH PAYPAL During the first call placed with Paypal on XX/XX/XXXX to dispute the XXXX payment of {$100.00}, Paypal representative told me that I need to speak to a representative with Synchrony bank, to authorize the refund requested on the Second payment of {$100.00} made on XX/XX/XXXX. The representative told me that I would receive a {$100.00} refund by check within 15 days.
Since the 15 days have passed and I have not received the refund a made a second call XX/XX/XXXX to Paypal. The representative told me that it appears that the refund has not been send and ask me if I would prefer to have {$100.00} moved to XX/XX/XXXX payment, to which I agreed.
To my very unpleasant surprise I was bombarded again with harassing email messages, why I am not making payment on XX/XX/XXXX.
I waited to see if the credit is being applied until XX/XX/XXXX when I called for third time and requested to speak with a supervisor. The person introduced themselves as XXXX - supervisor, and upon review of the account told me that the {$100.00} payment will be posted on my XXXX statement. Reassured me that late fees will be waived and asked me to pay {$25.00} to close the billing period for XX/XX/XXXX. I paid the {$25.00} immediately.
On XX/XX/XXXX I made XXXX follow up call since I was getting messages about late payments and balance due. Your agent, introduces themselves as XXXX, assured me that she reviewed the account and has created case # XXXX to which I should refer if any more problems arise, and assured me that I would not be receiving anymore notices. Notices did not stop!!! As a matter of fact I received a formal letter on XX/XX/XXXX to collect debt! 1 I called immediately back, XXXX TIME. The first Paypal agent XXXX, on my request to speak with a supervisor disconnected the call!!! I called immediately back and agent Al, transferred me to Synchrony Bank allegedly, where I spoke with XXXX -account XXXX, extremely rude and unpleasant person, who at the end of the conversation agreed to issue a refund on the {$100.00} and told me that it will take XXXX days to receive the check.
Your email sent on XX/XX/XXXX, requesting additional information to understand what I am disputing, clearly indicated that I can send my reply via attachment on my Paypal account!!!! SURPRISE SURPRISE!!! NO SUCH FEATURE!
I called to resolve the issue with the attachment on XX/XX/XXXX first agent XXXX, transferred me AGENT XXXX for technical support. This agent stated they could not assist me and stated will transfer me to someone who will!!! GIVE A WILD GUESS WHAT HAPPENED! I GOT DISCONNECTED YET AGAIN!!!!
I have been nothing but an exemplary customer, never late on my payments over the duration of this account. Paypal and their representatives for the last 2 months have used every single intimidation, predatory method to harass me repeatedly!!!! YET NEVER COULD RESOLVE A SIMPLE ISSUE to apply the {$100.00} extorted from to a future payment!!!! PayPal and Synchrony Banks representatives have caused me undue stress, XXXX XXXX XXXX, XXXX XXXX, loss of time and all that because I want my overpayment of {$100.00}, made under unwarranted pressure from XXXX, to be applied as I INTEND TO BE APPLIED!!!
At this point whether you send me my refund and waive the late fees will not suffice all the wrong done. Enough is enough!
|
| 04/30/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
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I got a CareCredit card from a previous dentist office ( XXXX XXXX XXXX XXXX ) that made it seem like I needed so much work done. I'm a college student and I had XXXX paying almost $ 300 monthly. The dentist office advised of using care credit to pay for services. I had never heard of it and ASKED how does it work. The dentist front desk person is the one that did my application and told me I just pay the balance due every month like a regular credit card and so I asked what the interest rate was and she said 0 % She didn't tell me how the interest would work she said after certain date it will start putting on interest and under that impression I thought I could pay it down by that point and have a low interest. But I was actually signed up for a promotional " deferred '' interest at 26.99 % for a {$3200.00} bill! Meaning it had all along been accruing interest. Had I known that I would have definitely not agreed especially because the work was done poorly. I just got charged {$1400.00}. I had got my bill down to {$2000.00} the numbers don't match up and now my NEW balance is more than my original charge at {$3400.00}. Now it's like I didn't pay anything! I had a few cavities fill ( after which one of my teeth on the right side became EXTREMELY sensitive I still can not eat on that side I told the dentist on multiple occasions about it and kept getting the same answer just give it a few months to go back to normal ( I have NEVER had this problem before ) ) and root canal/crown. I'm now at a new dentist who agreed with my suspicion that that dentist didn't do good work because my mouth was worse off after going to them and my new dentist now has to fix their errors. I didn't speak to a CareCredit person in any form before or after being signed up to pay for my services of $ XXXXXXXX and never received a physical card ( the front desk person said they don't give cards to just make an online account ) and I just noticed that my full name on my account isn't even spelled correctly. The same front desk person that did my application spelled my name the exact way she pronounces it even though I provided my name spelling, pronunciation, and everything. I was able to speak to a SYNCHRONY BANK rep ( not a CareCredit rep ) would couldn't even find my account information because of the misspelling of my full name on it ( which he had to change ) and he advised I was supposed to get a physical card! He advised I had to make a payment of {$2000.00} by XX/XX/XXXX before he's able to take off the interest that was already placed on my account on XX/XX/XXXX and that same reduced my credit score by 10 points! He also advised me that the dentist office charged another amount of {$350.00} separately ( don't know how ) and that was accruing interest separately. I did get hit with a late fee at the beginning because I hadn't put my card on autopay which I thought I did. And since I was told and under the same impression that this CareCredit worked as a credit card, I paid off the late fee and the amount due. Apparently, that is not how it works and the SYNCHRONY BANK rep advised I was supposed to call them and get it allocated to that directly or it was just going to go towards the total amount of the credit due not the late fee so the late fee was instead accruing interest! I advised him none of this was explained to me and I never spoke to a CareCredit rep before or after being set up for CareCredit by the dentist front desk person. He advised he doesn't know why I didn't and why I wasn't properly told everything.
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| 08/01/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
Older American |
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I received XXXX emails this past month from Synchrony Bank stating there was a notice regarding my account. When I follow the link, there is a letter stating my account is being closed based on information provided by XXXX XXXX XXXX XXXX XXXX due to the following reasons : Too many balances on my credit cards ; too many credit cards ; too many credit cards with balances ; and no " real estate loans on file ''. At no time did I have a real estate loan on file when the cards were issued. FURTHER, the cards that are being cancelled, Discount Tires and XXXX XXXX XXXX cards had no balances and have never been late. I am in the process of obtaining a mortgage for a home WE built with CASH that has NO PAYMENT because we paid cash to build it. Some of my current credit card debt is due to using my cards while building the home. However, these credit cards existed prior to the issued Synchrony Bank cards which are now being cancelled. THERE have been NO LATE PAYMENTS EVER on any of my accounts and at no time did Synchrony Bank disclose a mortgage loan was required to have such credit card accounts. I unfortunately have XXXX additional cards which are all apparently through Synchrony Bank XXXX XXXX, XXXX XXXX, etc. ) which DO have balances. After doing some research online, I found multiple people complaining this bank abruptly closed their good standing accounts resulting in a derogatory XXXX XXXX. AND THAT IS MY COMPLAINT!!! If a credit card company can close an account for NO REASON or lower the available credit down to the outstanding balance for no reason other than the very vaguely stated reasons given to me, they will negatively impact my score and prevent me from obtaining credit, best insurance rates, mortgages, etc., due to their negative action through NO FAULT OF MY OWN. Banks have the right to extend credit, but IF THEY CHOOSE TO revoke that credit and there have been NO late payments or over the limit charges to such account -- THIS SHOULD NOT BE ALLOWED TO NEGATIVELY IMPACT an individuals credit report. I intend to payoff ALL OF MY Synchrony Accounts and will not use them again in the future. I will also be notifying the retailers of my reason for never using those accounts again. As the agency whose purpose is to protect consumers from financial harm, XXXX XXXX XXXX XXXX should be taking action that results in derogatory and negative impact to an individuals score because a bank issuing a credit card opted to close an account for their own internal reasons. I called Synchrony Bank to discuss but their customer service stated any action taken is based solely on information from XXXX XXXX and I have to contact XXXX XXXX to dispute my credit. XXXX XXXX Stated they do not maintain information regarding whether an individual has real estate, only if there is a loan and the history of such mortgage loan. Again -- I DID not indicate I owned my home when I applied for these credit card accounts. I marked " other '' with no monthly rent, as our home had no mortgage and was in a family trust. In the past year, we actually built a XXXX home which is now titled in our names, and for which we are seeking a small equity mortgage to payoff card balances accumulated while building our home. The action taken by Synchrony with NO WARNING whatsoever or even a request for information from me absolutely resulted in lowering my XXXX XXXX. Further, I have NEVER paid my account late, the cards being cancelled had no balances and were paid in full whenever used. Nor do I have ANY LATE PAYMENTS ON ANY ACCOUNTS.
|
| 07/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom It May Concern : XX/XX/XXXX Reference Account # - XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding a collection account being reported by XXXX XXXX XXXX, XXXX. The collection account in question is regarding a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX, XXXX to validate this debt by providing a contract that bears my signature or any documentation they can provide to prove this was in fact my account. Letters were mailed directly to XXXX XXXX XXXX, XXXX on XX/XX/XXXX also by certified mail. Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX, XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XXXX.
In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of their letter dated approximately 3 years ago which is also attached for your review ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX.
I have attached a copy of the two certified letters that were mailed to XXXX XXXX XXXX, the first letter being sent on XX/XX/XXXX and the second letter being sent on XX/XX/XXXX mailed directly to XXXX XXXX regarding the XXXX XXXX as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened this account and it has had a huge adverse effect on my credit score. I have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX, XXXX as well as the original creditorXXXX XXXX XXXX.
I submitted a previous complaint to CFPB on XX/XX/XXXX, complaint # XXXX. XXXX XXXX responded that they have no record of a request or dispute being received in relation to its initial notification letters. I have attached the letters along with a certified receipt showing that they have in fact received letters from me regarding this issue. A credit card statement does not constitute validating a debt. I have requested on numerous occasions that a contract that bears my signature be sent to me for my review which still has not been done to date, almost 11 months later which is ridiculous!!! XXXX XXXX XXXX states that XXXX XXXX has verified this debt, please forward the documentation provided by XXXX XXXX so I can review.
CFPB, please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. CFPB should be verifying that these collection companies are providing the appropriate documentation and reporting to the three credit bureaus appropriately ; otherwise, what is the purpose of filing a complaint? Consumers file these complaints as a last resort. If XXXX XXXX and/or XXXX XXXX can not provide a contract bearing my signature, I will have no other option but to seek the advice of an attorney as I have exhausted all other efforts.
Thank you, XXXX XXXX
|
| 05/13/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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We made a promotional purchase of three items ( {$5300.00} total ) with Ashley Furniture in XX/XX/2018, serviced through Synchrony Bank. This promotional purchase involved deferred-interest for 12 months on one product ( {$1800.00} ) and equal payment no interest for 36 months on two products ( {$3400.00} ). When this deferred-interest financing promotion was marketed to us, we were misled to believe that we would be put on a monthly payment plan with Synchrony Bank, and that this monthly payment plan would result in paying each promotional balance in full without incurring any interest payments. The only explicit monthly payment option in our online account portal was for a minimum payment that, based on the marketing, we interpreted as the minimum to pay each month in order to pay off the balance before the deferred-interest promotion ended. However, it was actually a minimum to avoid fees but insufficient to pay off the promotional balance. The only other two payment options in their online system were " pay balance in full '' or " choose your own amount '' ; none of these three options provided to us by Synchrony included the specific amount to pay each month that would avoid deferred-interest. In effect, this misleading practice requires the customer to not only notice this deception but also calculate on their own how much to pay each month -- which is especially complicated given that individual period statements did *not* explicitly itemize how each overall monthly payment would be allocated to each of the three products.
In addition, as part of Regulation Z ( Truth in Lending ), 12 CFR Part 1026.7 ( b ) ( 12 ) ( i ) ( F ) ( 1 ) stipulates that each periodic statement should include ( i ) the estimated monthly payment for repayment in 36 months, ( ii ) a statement that the card issuer estimates that the consumer will repay the outstanding balance shown on the periodic statement in 3 years if the consumer pays the estimated monthly payment each month for 3 years, ( iii ) the total cost estimate for repayment in 36 months, and ( iv ) the savings estimate for repayment in 36 months. In servicing this deferred-interest financing promotion, Synchrony Bank did *not* provide this required information in each periodic statement. It is worth noting that the minimum payment repayment estimate disclosed in each periodic statement was *not* 3 years or less ( i.e. it was 9 years or more ), meaning that the exception of this credit card issuer requirement as described in the Official interpretation of Paragraph 7 ( b ) ( 12 ) ( i ) ( F ) *does not apply*.
Believing Synchrony ( the banks and associated persons ) to have made misleading representations to us ( the consumer ), we called Synchrony to resolve this issue once we noticed it, but instead were met with rude and condescending customer service by two different processing associates who threatened to hang up as we inquired about this issue. We therefore decided that our best course of action at that time was to pay our account balance in full. That is, we wanted to close our account, due to concern that keeping an account open with Synchrony risked being further taken advantage of via deceptive marketing and servicing practices.
As a result of this misleading marketing and servicing, we paid the only explicit monthly amount listed in our online portal, leading us to ultimately pay {$920.00} above what we expected to pay : i.e., what we would have paid without incurring interest charges ( we paid {$6200.00} rather than {$5300.00} ).
|
| 07/30/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I purchased a second refrigerator from Lowes using a Lowes credit card. When the refrigerator came the delivery men noticed it was damaged so they took it back to the distribution center. I received a call saying they received the damaged refrigerator and someone would call me later to discuss ordering a replacement. I never received a call. Due to all of The problems I had with Lowes with this second order and the first order where my new floors were damaged at delivery, I decided to purchase a refrigerator from another merchant.
The next day I received an email from Lowes that they had ordered another refrigerator ( this is a third order ). This was without my approval and knowledge. I cancelled that order via email immediately.
I expected the return for the damaged refrigerator to be applied to my original form of payment - the Lowes credit card.
When I checked my credit card balance the refrigerator purchase was still on my account. I called Lowes customer service and they said the damaged refrigerator was returned to a merchandise card and the third refrigerator was ordered with a merchandise card and that they can not apply the return back to my Lowes card. They insisted on sending me a merchandise card. I told them I did not agree for the return to be applied to a merchandise card and that I wanted the return applied to the original form of payment that I agreed to - the Lowes credit card. I also told them I did not agree or have any knowledge that the employee ordered a third refrigerator with a merchandise card.
I have called several times and wrote several emails trying to resolve the matter.
I spoke to XXXX on XX/XX/22 at Corporate- she insisted that she can only provide a merchandise card and is not able to apply the return to the credit card that I used to make the purchase. She also said she would let the fraud department know about the unauthorized purchase of the third refrigerator.
I spoke to XXXX at Corporate on XX/XX/22 and he said there is nothing he can do I have to accept the merchandise card and they are not able to apply the return to my Lowes card. I let him know I did not agree or have any knowledge that the employee issued the return to a merchandise card and then ordered another refrigerator with a merchandise card. He basically hung up on me.
I spoke to XXXX and XXXX with corporate on XX/XX/22 -they said the same thing and said I can take the merchandise card to a Lowes store get a cash out and then put the funds back to the credit card. I asked for information regarding the fraud case with the unauthorized purchase of the third refrigerator using the merchandise card and XXXX and XXXX refused to give me any Information. I looked at the Lowes return policy and it said that a return within the required time and with a receipt goes back to the original form of payment. They did not follow their own policy and forced a merchandise card on me when I asked several times to apply the return back to the Lowes credit card.
I received a merchandise card from Lowes yesterday XX/XX/22. I am going to take it to the store and ask for a cash out per XXXX and XXXX with Lowes corporate. I am going to take the funds from the cash out and apply it to the Lowes credit card.
This is very very poor customer service and I feel taken advantage of by this Retail Corporation. As a consumer I have rights and I felt like the employees of Lowes did not care about the Law or my rights and just did whatever they wanted to and I will never do business with Lowes again.
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
Servicemember |
|
I was notified that I was part of the XXXX data breach via a letter on XX/XX/XXXX. I was also notified my information was appearing on the dark web. I signed up for credit monitoring tools. On XX/XX/XXXX I was notified by my credit reporting tools that my credit report was released to Synchrony Bank by Paypal XXXX XXXX XXXX without my consent or application. I immediately called same day and reported that as fraud. Both organizations blamed the other for approximately one month from XX/XX/XXXX as I continued to call back and attempt to get the inquiry removed from my credit report. The following month I received a letter from citibank per a request to open a checking account which I did not request or apply. I notified citibank who immediately took action and helped me file a 7 year fraud alert on my credit report with XXXX who also did same with the other to credit reporting agencies.
HOWEVER, citi sent me a link to do same with Chexsystems since this was a request for checking account in my name. I followed exactly the steps Chexsystems recommends which included filing an FTC report, coming to this website for CFPB, and requesting a copy of my consumer disclosure report from Chexsystems on XX/XX/XXXX. The letter I received yesterday, XX/XX/XXXX, from Chexystems in response to my XX/XX/XXXX request for extended fraud alert stated that the report I filed does not clearly support identity theft or fraud relative to information in the consumer file at chexsystems for the reason that the documentation I provided is not signed by a law enforcement officer. I sent them documentation of two supposed applications in my name, the FTC report and documentation from Citibank and proof of the data breach which was also documented in my FTC report. I followed every guildeline chexsystem listed on their website and verbal automated instructions!!! and proof that I was part of a data breach. But they don't want to give my file protection because I didn't get a signed police report even though that is not part of their own required guidelines? So I just lost another month without protection and received another letter of an application being made for a checking account with State Farm Bank in my name in the meantime! I am going to go to the police department today. But their automated system does not tell me how to provide the addtional information or a live person.
I would like to file a complaint against chexsystems for not locking down my reports when notified and also a complaint for not providing me a copy of the report as they were required to do within five business days per request submitted successfully with reference ID for this request of XXXX which stated the report would be mailed within 5 business days. Additionally, I would like to file a complaint that I am unable to get this resolved with Chexsystems directly as none of the numbers on their letter actually go to any live agent or persons and the recorded messages all say to take all the steps I already took. So there is no way for me to get my consumer report that I am entitled to receive or to submit additional information that their letter said was required ( even though it isn't listed as required in the automated recordings ). Lastly, I would like to file a complaint against Pay pal XXXX XXXX XXXX for never having resolved my dispute directly.
Finally, I would like to commend Citibank for a job well done on their part and for assisting consumers on how to get their credit secured to the best of their ability!
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My complaint is against Synchrony Bank for failing to remove unauthorized and fraudulent credit inquiries on my credit reports. I did not apply for this Lowes credit card. This inquiry along with many other inquiries for auto loans and credit card accounts appeared on my credit reports all within a few weeks of applying for an auto loan for a vehicle that I was purchasing from a local car dealer. I did not apply for any of these other auto loans or credit card accounts including this Lowes credit card with the exception of the XXXX XXXX XXXX auto loan that I was approved for and used to purchase this new vehicle. I sent a letter ( doc # 1 ) to Synchrony Bank on XX/XX/XXXX, explaining that I did not apply for this credit card and asked that they have this hard credit inquiry removed from my credit reports since I did not apply for this credit card. In this letter I further explained that several other credit cards and auto loans that I did not apply for has appeared on my credit reports. I received a response dated XXXX ( doc # 2 ) explaining that I applied for a TJX account on XX/XX/XXXX I never applied for a TJX account and there is no TJX account appearing on my credit reports. This letter has nothing to do with the inquiry dated XX/XX/XXXX. On XX/XX/XXXX I replied ( doc # 3 ) explaining their mistake looking into something altogether different having nothing to do with this inquiry dated XX/XX/XXXX. I received a response again from synchrony bank dated XXXX ( doc # 4 ) this time telling me that the info supplied matches the credit bureau file XXXX Again, this letter is useless because it doesnt explain what there are talking about. I replied again on XX/XX/XXXX ( doc # 5 ) again explaining their mistake into looking into the wrong credit inquiry and further explaining that 16 credit Inquiries appeared on my credit reports from applications that I had nothing to do with. With no response I again wrote to Synchrony Bank on XX/XX/XXXX ( doc # 6 ) further explaining the seriousness of this situation offering them more information about all the other financial institutions involved and that it has been determined my most all of them that Im a victim of credit fraud and identity theft. Once again Synchrony Bank completely ignored my letters and my request to have these credit inquiries removed from my credit reports. I have included copies of letters ( docs XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). from other financial institutions that did looking into this case of credit fraud and identity theft and as you will read, they all investigated and found the result to be credit fraud and identity theft. They all have also contacted the credit bureaus and had these hard credit inquiries removed.
Synchrony Bank did not properly investigate this matter, did nothing to correct this and is now ignoring my letters.
I have included copies ( doc # XXXX, XXXX and XXXX ) of the inquiry pages of my XXXX credit report, my XXXX credit report and my XXXX credit report. My XXXX credit report is reporting two inquiries on the same day for the same fraudulent application. This is also incorrect to have two inquiries on the same day for the same application.
These credit inquiries are having a negative effect on my loan applications, my acquisition of credit, my credit history and my credit scores. Synchrony Bank is not doing anything to correct this matter and since they requested my credit report without my permission, they are required to have these inquiries removed from my credit reports.
|
| 06/28/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I feel I was a victim of deceptive, misleading, unfair, abusive sales practices by XXXX. On XX/XX/XXXX at approximately XXXX I called XXXX corporate XXXX XXXX XXXX to inquire about buying a water heater with our XXXX credit card and getting it installed. Mine started leaking and my family was without hot water. I was told I could purchase a water heater for {$410.00} and get it installed for an additional {$440.00}. I asked several clarifying questions to make sure I understood how much everthing would cost. I was told the price may go up a little if extra parts were needed to bring the new installed water heater up to city code. But it shouldn't be more than a couple hundred dollars. I was good with my original quote if it went up from {$860.00} to a possible {$1200.00} 's. I was then transferred from corporate to a cashier at to take a payment at my local XXXX XXXX XXXX at XXXX and XXXX XXXX to take a payment and initiate the install. I was then transerred to a contracted plumbing company where I was told another payment XXXX $ was to be taken so that a plumber could come out and make sure they would have everything needed to install the water heater The plumber came out and told me he could come back the next day around XXXX to install the water heater. I agreed and patiently waited for the install the following day. Around XXXX the following day on XX/XX/XXXX I get a phone call from XXXX asking to get final payment for install and was told the price would be {$2300.00}. Not once was I told by anyone that the install would cost so much. I was under the impression my charge would have been what corporate shared with me the day before. I asked to speak to a store manager and had a long conversation with a manager named XXXX. He apologized and explained to me that customers getting wrong information from corporate representatives was a known issue and that the store is often asking them not to give member price quotes. I had to go in to sign a contract to finalized the install and was told again by the in store plumbing representative '' XXXX '' that corporate sales giving price quotes is wrong and they shouldn't be doing it. We all agreed that customers should be told what the average price of a XXXX water heater will cost, not the basic corporate advertised install with out plumber fees should be. Having a family and two very young boys left me no choice but to pay for install. I wouldn't be able to get anyone else out to get it fixed for approximately another 24-48hrs. Being late on a Friday it might have taken another 72 hours. XXXX sales practices are not fair, I would have shopped different quotes if I would have known what average XXXX installs cost. I found out after the fact that average installs outside of XXXX are approximately 40 % less than what XXXX charges. I hope you can contact XXXX and listen to the recording of my conversation with the corporate rep on the phone. The message at the begining of the call says all calls are recorded for training purposes. You will see how misleading, deceptive and unfair XXXX corporate sales are. XXXX banks on doing things this way because no customer will want to be without hot water for extended periods of time and will end up paying a price they were not quoted in order to get hot water back on. I hope this complaint forces XXXX to change their sales practices and that I get the extra {$1200.00} I paid returned back. Even better yet all my money back, I was wronged and don't want XXXX to continue misleading customers.
|
| 05/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I checked the boxes, but the fraud is not as the boxes specify. The CFPB took action against XXXX XXXX XXXX for filing false lawsuits, liens, etc. I was the victim of a number of the false liens. The liens were recorded against real property and they went out of business without releasing them. I go to sell the property and the escrow company withholds {$15000.00} to pay XXXX liens-one for {$2800.00} ( XXXX XXXX XXXX as Assignee for GE Money on a Lendscrafters account ) and {$4400.00} ( XXXX XXXX XXXX ). I tried to contact XXXX XXXX for proof of the underlying loans. They refused to produce any proof. They were rude. They then submitted a " payoff '' without my knowledge claiming they changed the account numbers and the new amount owed was {$4400.00} they never sent me the letter or proof of the underlying credit card debt or verified if the judgment was valid. They collected the money. The law firm of XXXX XXXX XXXX never obtained the satisfaction of judgment before giving the money. The XXXX XXXX XXXX XXXX went out of business in XXXX or so. No one was assigned the lien and I was given the run around by a guy named XXXX XXXX of XXXX XXXX XXXX XXXX in XXXX . First, he said the judgment was sold before XXXX XXXX XXXX XXXX went under. He said it was sold XXXX . XXXX then said they did not own it and to check with XXXX XXXX . XXXX XXXX did not own the judgment and said XXXX XXXX owned the judgment. XXXX did not have legal ownership. I never had any Lenscrafters account. Then the trail ran cold back in XXXX XXXX . Apparently, without my knowledge, the same law firm of XXXX contacted XXXX XXXX and this time, XXXX XXXX gave some unsupported claims that it held the books for XXXX XXXX XXXX and was claiming the money for XXXX XXXX XXXX XXXX and that XXXX XXXX was the Trustee. They collected the {$2800.00}. The problem is that in a letter to me, XXXX XXXX , CEO said that the judgment had been discharged by XXXX XXXX XXXX and they have no legal interest in the judgment. Despite receiving the money under false pretenses, XXXX XXXX refused to produce proof of ownership of any judgment by assignment refused to even say what account was involved. I later found out that they took the money saying " he would find a home for it. '' He then tried to say it was applied to some other account. The judgment was for an alleged GE Money Lendscrafters ac count, that is the name of the Plaintiff in the lawsuit. XXXX sent a note that clearly claimed the money was being taken for a Sam 's Club ac count and not the named Plaintiff on the judgment. At the same time that XXXX XXXX XXXX through XXXX XXXX XXXX was filing claims in XXXX XXXX Georgia, the only county that I lived in for this Lencreafters account, XXXX XXXX XXXX XXXX were filing thes e Sam 's Club accounts in XXXX XXXX and obtained default judgment and garnished my wages. Please investigate what should happen to all the people affected by the phony XXXX judgments and liens. Please investigate XXXX XXXX XXXX XXXX and XXXX XXXX making false claims to collect on debts for a company that went out of business and for which he has failed and refused to produce truth that the account or judgment was ever assigned to the new company XXXX XXXX XXXX . There is nothing in any court record showing an assignment of judgment or claims.
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Requested opt out...
XX/XX/2023 Paypal/Synchrony Bank Subject : Opting-Out of Authorizations and Notification of Violations Under Relevant Federal Laws I, XXXX XXXX XXXX, am writing to inform you of my decision to opt-out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal as is my right per FCRA Section 15 USC 1681 ( b ) and 16 CFR 313.7 ( e ), ( f ), ( g ) ( 1 ).
You have repeatedly provided inaccurate information as well as my non public personal information to all credit reporting agencies which has caused substantial harm to my life by these actions.
I have proof of multiple violations of the protection provided to me as a consumer under several federal laws, including but not limited to : 15 USC 6801 ( a ) states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
According to 15 USC 6809 ( 4 ) ( A ) The term nonpublic personal information means personally identifiable financial information ( I ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution.
15 USC 1681 ( b ) requires every financial institutionshall establish appropriate standards for the financial institutions administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
16 CFR 313.7 ( e ) Time to comply with opt out. You must comply with a consumers opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumers opt out direction. ( 1 ) A consumers direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
I exercise these rights under the aforementioned federal laws with the aim of protecting my personal information from unauthorized access, use, and sharing.
I kindly request that you review all your past and current practices relating to the collection, storage, use, and sharing of my personal information to ensure compliance with the relevant statutory provisions.
Failure to do so may result in the violation of federal law, which could lead to serious consequences.
I expect you to promptly address any violations, including inaccuracies, and take necessary steps to rectify the situation. Furthermore, I request that you provide me with a detailed written response that outlines the actions taken to comply with the applicable laws within thirty ( 30 ) days of receiving this letter.
I would like to continue receiving periodic statements by mail and any legally mandated communications regarding my account. However, any other uses or sharing of my personal financial information should cease unless explicitly authorized by me. I appreciate your immediate attention to this request and compliance with the relevant federal laws.
XXXX XXXX XXXX
|
| 04/03/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
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I purchased a chair from XXXX in XX/XX/XXXX. When I purchased the chair the salesman reviewed the financing terms with me. He conveyed that the financing was " interest free '' for 18 months, and I would be charged interest on the start of month 19. I was delivered the incorrect chair, and missed the XXXX scheduled payment because I had not received the chair yet. When I called about the chair the agent informed me that I had missed the payment and offered to set up autopay for the account. She walked me through all the information and how to setup the auto pay for a minimum of {$55.00} per month, which would have paid off the chair just prior to any interest charges.
The chair arrived in late XXXX, after I had already been making months of payments on it through GE Capital. The loan was then transferred to Sychrony financing in XX/XX/XXXX/XX/XX/XXXX. I had not logged into my account until XX/XX/XXXX, thinking that it was all set up and being paid. When I logged into the account there was a {$680.00} interest charge, and a remaining principal balance of {$850.00}. I contacted Sychrony to explain, they told me that the auto pay was set up for " minimum '' payments, and that was what was debited from my account, each month they would progressively decrease XXXX, XXXX, XXXX, etc.. This was different from the {$55.00} minimum that I set up with GE Capital that would have paid off the chair. I assume that this happened on the transfer of the account since the payments to GE Capital were {$55.00} and I had not logged into the account since the agent walked me through setting it up.
I was also told that " Interest Free '' means that the interest accrues and you are charged that at the end of the term, which I feel is very deceptive since the salesman explained i would be charged NO interest until month XXXX which was clearly false. Speaking to XXXX, then XXXX at Synchrony they offered no solution saying I had the terms of the financing on my receipt ( I was not given a receipt at the store ) and that they were listed on my statements ( I never received a single mailed statement, had I received this I would have corrected this issue immediately ). I offered to pay the difference for the chair, before the interest hit the account, but that was not accepted by Sychrony.
This company is using deceptive practices to entice people to buy above their means. I am a victim of poor customer service, lack of understanding of their own financing programs by their employees and trusting these " experts '' to do what was in my best interest. I am a XXXX that trusted this company and its employees to guide me through financing that I did n't understand and do what was right for me. On my current salary I am not afforded very many luxury purchases, but this chair was something that I had been wanting for a long time and finally made the decision to buy, even if it meant i would be paying a little above my means. I did not want to pay over {$3000.00} for a chair, as a XXXX and on a XXXX I can not afford that.
Please help me resolve this matter, as my efforts to contact the company and resolve this issue have not been received well.
I am not looking to " get one over '' on anyone, I would ideally like to pay the difference in payments owed, and pay off the chair to make up for the discrepancy in the auto payments, which looks like about {$800.00} at this point ( XXXX ) over a few months. I can not afford to pay the additional interest in my current financial situation.
|
| 08/20/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
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Web |
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On XX/XX/XXXX I made a purchase on XXXX using my PayPal credit account. They were having an "XXXX XXXX" promotion for purchases over $600 on XXXX. My purchase was for $XXXX, including headsets for $XXXX and an extended warranty for $XXXX. Each payment for 24 months should be $XXXX per month.My next payment, which would have been the first billing cycle for this promotion, was nearly all allocated to the 24 XXXX XXXX promotion instead of the monthly payment of $XXXX, ignoring deferred interest balances due in XX/XX/XXXX. So, they paid off the $XXXX, and left a balance of $XXXX on the XXXX XXXX balance, completely ignoring the deferred interest balances. My entire $XXXX payment was put towards something not due until XX/XX/XXXX, but nothing towards balances due in XX/XX/XXXX. I thought it was simply a mistake, so I called on XX/XX/XXXX, and spoke with XXXX - confirmation #XXXX. She was very helpful, and reallocated my payment correctly, leaving a balance on my XXXX XXXX of $XXXX. I agreed to leave the $XXXX payoff alone, even though it was not due until XX/XX/XXXX. I also had a PayPal balance of $XXXX that I wanted to transfer to the credit account, and wanted to make sure it was allocated completely to the top deferred balances. XXXX assured me this was done, and I would be able to see it on my next statement.On XX/XX/XXXX, I received an email from Paypal saying that they had allocated the entire $XXXX to my 24 XXXX XXXX balance AGAIN, leaving a balance on that promotion of $XXXXI called again, and spoke with XXXX, who SAID she reallocated the payment from the 24 XXXX XXXX promotion to the balances due in XX/XX/XXXX. She then told me that I would have to call EVERY month when I make a payment to make sure they don't allocate the payment to the 24 XXXX XXXX balance first?! So, I am supposed to call every month for the next 22 months to make sure my payments are not totally going towards a promotion that is called 24 XXXX XXXX for the express purpose of making a large purchase and breaking it down into low monthly payments. The payment should be the same every month, thus the "24 XXXX XXXX". I asked to speak with her supervisor, XXXX, who refused to come to the phone. XXXX again repeated that it was my responsibility to call every month to tell them where to allocate my payment.I feel that this is an effort by PayPal Credit to ripoff customers by pre-paying promotional balances not due, and ignoring deferred interest balances, so that they can collect interest on those balances. If I make a large payment to cover deferred interest balances and that money goes towards a promotion that is not due until XX/XX/XXXX, then I will have to make another large payment to cover promotional balances that I thought were being paid down to avoid interest charges. If a customer was not paying close attention each month, and not calling, they would be charged accrued interest on balances that should have been paid first.I have spent more than 2 hours on the phone with both XXXX and XXXX on two occasions to correct this problem, only to be told on XX/XX/XXXX that it is the system, and cannot be fixed.I have attached the XXXX XXXXtatement when the 24 XXXX XXXX promo started, the XXXX statement after they allocated the entire payment to that promo, and a screenshot of my account balances today, showing that the remaining balance on my promo is $XXXX, when it should be $XXXX, and you can also see that many of the XX/XX/XXXX balances have not been paid.
|
| 06/26/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have a credit card with Walmart through Synchrony. My credit limit was {$1800.00}. On XX/XX/XXXX, I made an on-time payment of {$59.00} to Synchrony, leaving me with a balance of {$1700.00}. The due date was XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$1700.00} to pay off the credit card in full. Also on XX/XX/XXXX, after I made this payment, Synchrony added an interest charge of {$35.00}. As can be seen on the statement, this payment was recorded for the XXXX statement period, and there should have been nothing due for the XX/XX/XXXX payment. Instead, that interest payment should have been due for the XX/XX/XXXX payment. On XX/XX/XXXX, the statement date for XXXX, Synchrony declared my account past due and decreased my credit limit to {$200.00}. They claim that this was due to a random check to determine my credit worthiness. They claimed this was them doing their due diligence. They sent us a letter claiming that the reason for the decrease in the limit was due to serious delinquency ( although I have XXXX delinquent accounts on the Transunion report that they claimed to have used ) ; proportion of balances to credit limits ( despite this actually being better now than it was when they raised my credit limit in the past from {$200.00} XXXX ; revolving accounts are too high ( despite my accounts actually being higher when they raised my credit limit, and they are lower now and were even lower when they would have made the decision ) ; and number of accounts with delinquency ( despite the fact that I have had XXXX delinquencies on my account for the last 10 years or more ). As a result of this decrease in credit limit for no acceptable reason and due to no fault of my own, Synchrony has single-handedly reduced my credit score, coincidentally, as I paid off the credit balance owed to them. This is unfair and this is deceptive behavior on the part of Synchrony. We contacted Synchrony on XX/XX/XXXX, as soon as we became aware of the balance owed. They immediately offered to take off the interest payments, but they claimed they could do nothing about the credit limit. They said we must appeal to the credit agency that provided them with the report. The clear problem here is that when we appeal this to the credit agency, they will tell us that they do n't know why the bank decided our credit was no longer worthy of the higher limit. Both sides will essentially blame the other and be blameless themselves. We will achieve no result from either institution, but we will be injured greatly the next time we apply for any credit or loan in the future. This is completely unacceptable as it is unfair to the consumer. Plus, we do n't know yet if they have reported a delinquency despite not actually having a delinquency, since we paid off the entire balance on XX/XX/XXXX, which should have been considered for our XX/XX/XXXX payment, as it was indicated on our XXXX statement which is attached. Is this an underhanded way to discourage consumers from paying off their balances, so they continue to pay the high interest rates charged on high balances? Is this another way to nickle and dime hard working consumers who have worked hard to maintain decent credit scores? My wife and I have worked very hard to improve our credit score, and through no fault of our own, no delinquency, no faltering of payments, and with a much better financial situation, Synchrony has decided that my family shall suffer because we are no longer a slave to their high interest rates!
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Request opt out...
XX/XX/2023 Paypal Credit Subject : Opting-Out of Authorizations and Notification of Violations Under Relevant Federal Laws I, XXXX XXXX XXXX XXXX am writing to inform you of my decision to opt-out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal as is my right per FCRA Section 15 USC 1681 ( b ) and 16 CFR 313.7 ( e ), ( f ), ( g ) ( 1 ).
You have repeatedly provided inaccurate information as well as my non public personal information to all credit reporting agencies which has caused substantial harm to my life by these actions.
I have proof of multiple violations of the protection provided to me as a consumer under several federal laws, including but not limited to : 15 USC 6801 ( a ) states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
According to 15 USC 6809 ( 4 ) ( A ) The term nonpublic personal information means personally identifiable financial information ( I ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution.
15 USC 1681 ( b ) requires every financial institutionshall establish appropriate standards for the financial institutions administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
16 CFR 313.7 ( e ) Time to comply with opt out. You must comply with a consumers opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumers opt out direction. ( 1 ) A consumers direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
I exercise these rights under the aforementioned federal laws with the aim of protecting my personal information from unauthorized access, use, and sharing.
I kindly request that you review all your past and current practices relating to the collection, storage, use, and sharing of my personal information to ensure compliance with the relevant statutory provisions.
Failure to do so may result in the violation of federal law, which could lead to serious consequences.
I expect you to promptly address any violations, including inaccuracies, and take necessary steps to rectify the situation. Furthermore, I request that you provide me with a detailed written response that outlines the actions taken to comply with the applicable laws within thirty ( 30 ) days of receiving this letter.
I would like to continue receiving periodic statements by mail and any legally mandated communications regarding my account. However, any other uses or sharing of my personal financial information should cease unless explicitly authorized by me. I appreciate your immediate attention to this request and compliance with the relevant federal laws.
XXXX XXXX XXXX
|
| 11/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
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[ The Operator had closed my account without warning ] I had received my Paypal credit card in the mail, but left it in the envelope along side with some other mail and have not not activate the Paypal credit card yet. After a while the whole envelope with the Paypal credit card inside, had gotten lost somewhere In my house. After searching for it, I assumed it could have been swept up and thrown away unintentionally. I wasn't too worried about it because I haven't activated it at all and thought I could just call Paypal and send in another one. I called Paypal later on and requested a new Paypal credit card. The customer service was great, they understood what happened and they were happy to send me an operator to my line to get me a new card. However, the operator ( which I believed sounded like a female. ) sent the new card and told me that my new card is on the way and it will take around 7-10 business days to arrive in the mail. She then told me that my account will be closed unless I wanted to created a new one, ( which it sounded like it meant create a new email address and user profile and etc. ) because my credit card has been " lost/stolen '' She persuaded I close the account instead. After the phone call, I wondered what she meant by my account being closed, so I went ahead and logged back into my Paypal account. I saw that I was able to still access my account and It looked like I was still able to make money transfers too. But then I saw that I could no longer see my credit card overview or click on anything to check it's statements. Few days later I get a XXXX notification on my phone from XXXX XXXX. I was curious and was in no worry because I always check my report frequently, pay my debt on time, and make sure that I'm maintaining my score at good standing, so I wasn't worried at all when I saw my notification ... Until I click the XXXX XXXX log in link and signed in and view my new credit report number ... I was terrified, worried, stressed, you name it. It went from around XXXX to XXXX! To good to straight BAD. dropping 96 points! I was so stressed and scared and confused. I clicked on it's summary and saw that it says " 2 accounts closed ''. I know I have 2 accounts. One for Paypal credit and one for XXXX XXXX credit. I knew that my Paypal account was closed because the Paypal operator closed it. But the XXXX XXXX being closed is a far deeper mystery. I will contact XXXX XXXX and see what's going on with that. Whenever I tried shopping with my XXXX XXXX credit, it will always decline for some reason every time. But.. two closed accounts ... dropped my credit score. After I researched on XXXX by typing " closed account on credit report '' It shows that closing accounts damages your credit. So after seeing that, I realized that the female operator on the phone, pretty much closed my account on Paypal, with no information. No warning. No consent. And when she done it, I thought it was just part of her protocol. But I feel like she could have at least allow me to say yes or no without persuading me or most importantly give me warning. But my new Credit Card is coming in the mail soon and according to her, once it arrives everything should be where I left off as far as payments and things. But, basically right now, I'm just requesting for my points back to get me back smooth sailing again and have everything back to normal. Right now I am very stressed out about this and I really need help, please!
-Thank you so much in advance!
|
| 02/21/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
I am voicing a complaint with Synchrony Bank concerning their product Synchrony Verizon Visa Signature Card.
I signed up for a new card through Verizon Wireless when I purchased a new phone in XX/XX/XXXXXXXX XXXX. I received a XXXX XXXXmonth discount while paying by using the Synchrony Verizon XXXXignature card , account ending in XXXX.
From XX/XX/XXXXXXXX XXXX through XXXX or XXXX of XXXX my payments were made directly to Synchrony Verizon Visa Signature card by way of XXXX XXXX through my XXXX XXXX XXXX account.
The billing address given to me is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX This method of payment worked fine from XX/XX/XXXX through XXXX or XX/XX/XXXX when I received a notice that I missed a payment. I was caring for my XXXX XXXX XXXX XXXX Mother at her home, so I didn't have access to my records. I called the bank back and made a payment by phone in the amount of {$150.00} verified by a Synchrony Verizon customer service rep, ( XXXX ) dated XX/XX/XXXX.
Then my XXXX payment went through XXXX XXXX without a problem.
However, in XXXX I was told by Synchrony Bank by phone that my account had insufficient funds and in early XXXX that my XXXX XXXX XXXX checking account had been closed.
I made an appointment to speak with XXXX XXXX XXXX XXXX, XXXX, to go over my account. He explained that if a client had insufficient funds or their account had been closed, the Credit Union would have notified them directly. Neither situation applied to my account.
I decided to cancel this form of payment using Verizon to bill the Synchrony Verizon Signature Visa card and change to directly paying Verizon Wireless.
I contacted Synchrony Verizon Visa Signature Card and Verizon XXXX customer service representatives. I explained my intent to stop paying my account through Synchrony Bank Verizon Signature Visa. The reps from both companies spoke to each other to confirm that no more charges would be placed on the Synchrony Verizon Signature Visa card. Synchrony verified that my Synchrony Verizon Signature Visa card balance was fully paid and no more charges were pending. Synchrony Verizon Signature Visa representative confirmed to me that the account ending in XXXX was closed and I was done dealing with Synchrony Bank.
I made my payments from XX/XX/XXXX to present directly to Verizon XXXX.
Then in XXXX, XXXX Synchrony sent me a new Verizon Signature Visa card, showing a balance. I did not request a new card, nor did I use it for any purpose.
I immediately called Synchrony I did not want a new card and hadn't placed any charges on it. The charges were not itemized as to what they were for?
In XXXX, I wrote a letter to the CEO of Synchrony Bank outlining my situation. I received a form letter back never addressing my specific issues.
I called again and got an address for Consumer Complaints and disputes for Synchrony Bank. I sent them copies of my XXXX XXXX XXXX payments through XXXX XXXX which showed delivery dates and Synchrony Bank 's endorsement on the back of the check.
None of the correspondence addresses my multiple disputes I have filed by mail and phone. ( see attached ). The calls and letters continue without any resolution.
I contacted the Florida Attorney General and she directed me to the CFPB.
I am hoping you can help me. This is exhausting and I feel like I am not getting anywhere.
I am a XXXX XXXX XXXX widow with limited funds. I still care for my XXXX XXXX XXXX mother at times.
Please help me.
Sincerely, XXXX XXXX XXXX
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX SYNCB/CCA XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX SYNCB/TJX CO PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 07/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
On Friday XX/XX/2021, I had a back up in to my master bath shower and second bathroom. I looked up plumbers and found a deal on XXXX XXXXXXXX website of any clog for {$79.00} which is why I called. They sent XXXX out to my home who advised that I did not have a front drain out to clear the clog and that a snake would not even fix the issue. I advised him that there has to be one as I have lived here my whole life and know all houses have them and my grandmother has a older home and has them. ( Built in the same year as mine ) He spent all of about 5 min out side looking around the house for it and came back to tell me that there was not one and again that a snake would not clear my problem. He advised he would have someone come do a hydro scrub and camera the area for free. I told him I did not have the funds to make that kind of payment right now since I just bought the house and only moved in 9 days ago, he advised of the financing option so I applied as I had no bathrooms or showers to use and he assured me that this was the only way to do it and it would fix the problem. The workers showed up did not look for a clean out either and procced to get on the roof and do the scrub.
After the work was completed he told me that there was tree roots in the line that they cleared and a crack in my pipe that would need to be fixed and would have someone contact me about it to help go through my home owners insurance. He never showed me any pictures, a video or provided me a write up of anything or copy of a bill.
On Sunday XX/XX/2021 late night around midnight I noticed my toilets started to gargle again and I texted XXXX and let him know, I also called my home owners insurance adjuster and he advised me to have XXXX XXXX come out for a second opinion and to clear the clog.
To my surprise XXXX XXXX owner came out found my main clean out within 10 min under the window of the bath room, ran a camera and advised the that the previous company did not do what they stated only cleared the clog but did not clear the tree roots as I was told was done which is why it had backed up again.
XXXX XXXX proceed to SNAKE my drain, cleared the tree roots and provided me with pictures and video proof that XXXX XXXXXXXX XXXX company did not clear the roots or do anything that they stated. I have attached these pictures and video for your review. They have also advised that there is no crack in the pipe and while they are old pipes they are still in good condition and all I will need to do is have them come out once a year for {$97.00} to clear any new roots that may have grown.
I feel that I was discriminated against being a woman and advising that while I do not know about being a plumber I know some of the basics. This falls under UDAAP laws by 1 lying to me and 2 upselling me to make more money when it was not necessary, 3. Causing me to apply for a credit account that was not needed because of the upselling and mistreatment.
After reading some of the reviews and complaints about XXXX XXXX company this seems to be a trend.
I contacted the manager and gave him the opportunity to make it right before I proceed with additional actions. After sending my complaint to him you will see that they have refunded the purchase to this account but were unable to have this account removed from my credit as it is not something that should have ever been opened had his employees would have done the right thing and found the front drain clean out and snaked it.
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
" As indicated by the Fair Credit Reporting Act 15 USC 1681 segment 602 a states " There is a need to safeguard that purchaser revealing offices practice their grave obligations with decency, unbiasedness, and a regard for the shopper 's right to security. '' XXXX and XXXX are customer revealing offices and I'm the Buyer. I reserve the option to ensure my confidential data isn't shared which is upheld by 15 USC 6801 which states '' It is the approach of the Congress that each monetary organization has a positive and proceeding with commitment to regard the security of its clients and to safeguard the security and privacy of those clients ' nonpublic individual data. '' ( Furnisher of data to credit organizations ) is a monetary establishment by definition under that title. 15 USC 1681 segment 604 a part 2 expresses that " In everyday Subject to subsection ( c ), any shopper revealing office might outfit a purchaser report under the accompanying conditions and no other : as per the composed directions of the purchaser to whom it relates. '' ( Furnisher of data to credit organizations ) the monetary establishment and the Purchaser announcing offices XXXX and XXXX try not to have my agree to outfit this data and they unquestionably don't have my composed assent. All agree to XXXX, XXXX, ( Furnisher of data to credit organizations ) whether it be verbal, non-verbal, composed, inferred or then again in any case is denied. 15 USC 6802 ( b ) ( c ) states that " A monetary foundation may not reveal nonpublic individual data to a nonaffiliated outsider except if the customer is given a clarification of how the shopper can work out that nondisclosure choice. '' ( Furnisher of data to credit organizations ) Never educated me regarding my entitlement to practice my nondisclosure choice. Not just that 15 USC 1681C ( a ) ( 5 ) states '' Besides as approved under subsection ( b ), no customer announcing organization might make any buyer report containing any of the accompanying things of data Some other unfriendly thing of data, other than records of convictions of violations which predates the report by over seven years. '' They are reporting this negative account again without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " An individual will not outfit any data connecting with a purchaser to any shopper revealing organization assuming the individual knows or has sensible reason to accept that the data is off base. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, '' reads " Every consumer reporting agency shall maintain reasonable procedures. '' XXXX and XXXX are not keeping up with sensible strategies. Likewise 12 CFR 1016.7 states that " A customer may practice the option to quit whenever. '' I will no longer use your reporting services I am opting out.
15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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" As indicated by the Fair Credit Reporting Act 15 USC 1681 segment 602 a states " There is a need to safeguard that purchaser revealing offices practice their grave obligations with decency, unbiasedness, and a regard for the shopper 's right to security. '' XXXX and XXXX are customer revealing offices and I'm the Buyer. I reserve the option to ensure my confidential data isn't shared which is upheld by 15 USC 6801 which states '' It is the approach of the Congress that each monetary organization has a positive and proceeding with commitment to regard the security of its clients and to safeguard the security and privacy of those clients ' nonpublic individual data. '' ( Furnisher of data to credit organizations ) is a monetary establishment by definition under that title. 15 USC 1681 segment 604 a part 2 expresses that " In everyday Subject to subsection ( c ), any shopper revealing office might outfit a purchaser report under the accompanying conditions and no other : as per the composed directions of the purchaser to whom it relates. '' ( Furnisher of data to credit organizations ) the monetary establishment and the Purchaser announcing offices XXXX and XXXX try not to have my agree to outfit this data and they unquestionably don't have my composed assent. All agree to XXXX, XXXX, ( Furnisher of data to credit organizations ) whether it be verbal, non-verbal, composed, inferred or then again in any case is denied. 15 USC 6802 ( b ) ( c ) states that " A monetary foundation may not reveal nonpublic individual data to a nonaffiliated outsider except if the customer is given a clarification of how the shopper can work out that nondisclosure choice. '' ( Furnisher of data to credit organizations ) Never educated me regarding my entitlement to practice my nondisclosure choice. Not just that 15 USC 1681C ( a ) ( 5 ) states '' Besides as approved under subsection ( b ), no customer announcing organization might make any buyer report containing any of the accompanying things of data Some other unfriendly thing of data, other than records of convictions of violations which predates the report by over seven years. '' They are reporting this negative account again without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " An individual will not outfit any data connecting with a purchaser to any shopper revealing organization assuming the individual knows or has sensible reason to accept that the data is off base. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, '' reads " Every consumer reporting agency shall maintain reasonable procedures. '' XXXX and XXXX are not keeping up with sensible strategies. Likewise 12 CFR 1016.7 states that " A customer may practice the option to quit whenever. '' I will no longer use your reporting services I am opting out.
15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
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| 08/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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I want to make a formal claim against PayPal Credit for cashing a check on XX/XX/XXXX for {$1800.00} issued by my bank ( XXXX XXXX XXXX ) and not crediting my 'PayPal Credit ' account for which it was issued.
I have a credit card with the XXXX XXXX XXXXXXXX and, as we all know, commercial banks frequently offer 0 % interest for balance transfers from other credit cards with higher interest rates. XXXX XXXX XXXX offered this 0 % interest balance transfer in XX/XX/XXXX.
I also had an account with 'PayPal Credit ' for my purchases.
I wanted to use XXXX XXXX XXXX XXXX offer to pay a portion of my PayPal Credit balance at the time and I requested XXXX XXXX XXXXXXXX a {$1800.00} balance transfer for the PayPal account charged to my XXXX credit card.
XXXX XXXX XXXXXXXX issued a check for {$1800.00} and sent it to PayPal. The check was received and cashed by PayPal on XX/XX/XXXX, I have proof of it, but never credited to my PayPal account.
DETAILS : In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) offered me a 0 % interest balance transfer to be charged to my XXXX credit card. At the time, I had a PayPal Credit account balance and I decided to use XXXX offer to pay off some of the PayPal outstanding balance. I provided XXXX with all PayPal Credit account details and XXXX issued a check ( No. XXXX ) dated XX/XX/XXXX for {$1800.00} and sent it to PayPal. The check was received and cashed by PayPal on XX/XX/XXXX.
After a reasonable amount of time, I checked my PayPal Credit balance and noticed that {$1800.00} had not been credited. I called PayPal Customer Service, after many questions, the representative indicated that the above mentioned check had not been received.
Next, I called XXXX and they confirmed that PayPal had in fact received and cashed the check on XX/XX/XXXX and a photocopy of the check was provided. ( photocopy to be provided upon request ).
Since then, the long and tiresome phone calls and inconsistent responses from both sides began. Both entities kept sending me back and forth indicating that I should deal with the other one.
In the meantime, PayPal accepted and issued a credit of {$1800.00} they said while the investigation was undergoing. However, they also indicated that they may reverse the credit if unable to locate the payment, which in fact occurred. They did not find the payment and reversed the credit.
Throughout the year XXXX and part of XXXX, I made many calls to both entities and the answer was always the same. I managed to get an appointment for XX/XX/XXXX with a XXXX representative, XXXX XXXX XXXX at the Branch in XXXX, XXXX VA. The meeting lasted for about two hours during which the representative made several phone calls and finally said that there was nothing XXXX could do because they had proof that the check was received and cashed by PayPal and that, for them, the case was closed. I asked XXXX XXXX to provide me the outcome of the meeting in writing. XXXX XXXX indicated that he would send me a letter in that sense but a formal letter from XXXX was never sent to me.
I waited for months to be contacted by either party, hoping that any of them will finally locate the funds. No one contacted as of today.
To avoid damaging my excellent credit, I continue making monthly payments for the {$1800.00} I never received. This event has caused me a great stress and tremendous financial loss.
I am XXXX XXXX XXXX and trying to save money for my retirement years and I can not afford to lose this money. Thank you.
|
| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I started noticing some inaccuracies on my credit report. Then I started sending letters to the companies and the credit bureaus but after 8 frustrating months of sending letters and evidence of what was going on. I did not get any answers. Now I decided that I need to send a complaint to you all.
I have been disputing these accounts with synchrony bank, XXXX XXXX XXXX XXXX for month to delete these accounts since XX/XX/XXXX. they have come back each time stating that the account is " certified as accurate ''. The account is still reporting incorrectly right now. I will put the evidence in an attachment so you can see for yourself. These account keeps reporting charged off plus the payment history is making my credit score continually go down.
First, I called and reached out to the company and was told that they need more information about my account. But if they are reporting it to the bureaus, they already have all of my information. According to the payment history for this account SYNCB/XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report.
I also saw another account from SYNCB/XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX.
First the date of last active has 3 different dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX. Moreover, the date of last payment was supposedly have been in XXXX of XXXX but looking at the payment history in XXXX of XXXX it says that I have been paying as agreed. How can this be when its in collection/Chargeoff? Also, according to the payment history, it says that it was CO in XXXX of XXXX, and CO in XX/XX/XXXX, XXXX CO in XXXX of XXXX, XXXX says paid as agreed in XX/XX/XXXX and XXXX also says it was CO in XXXX of XXXX What! this is clearly in violation of my rights.
Please help me delete this off of my credit report. I have enclosed the evidence for all the months that I have been trying to get answers from the Credit bureaus.
I am challenging these accounts as well XXXX XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed Collection Agency XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX This is a Fraud Account but they wont call me back. I send certified letters to XXXX and XXXX XXXX XXXX but no answer and they are reporting this on my credit report and XXXX has not taken it off. Please help with the deletion of this error account.
Inquires XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX
XXXX, MD XXXX XXXX
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| 08/15/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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Complaint Description : I used my card on XXXX/XXXX/XXXX for the first time in years. On XXXX/XXXX/XXXX the account was closed and sent to collections. Before it was even due. In XXXX I opened an account with my father. The limit was {$9500.00}. He passed away in XXXX. Some time after that I called to inform care credit. They stated they removed him and lowered my limit to {$1500.00} without him on it. On XXXX/XXXX/XXXX I used the card at my son 's dentist appointment for {$100.00}. On XXXX/XXXX/XXXX they issued a statement with a due date of XXXX/XXXX/XXXX. I noticed my father 's name was on the statement as " secondary '' so on XXXX/XXXX/XXXX, I called care credit who informed me my account was at recovery and they had to transfer me. I asked how that could be since it had been less then two weeks since I made the charge? I EVENTUALLY made it to someone that identified them self as a manager who told me they restored the account and it will be fixed. On XXXX/XXXX/XXXX my husband received a call from a COLLECTION company to verify MY death date! I am in the middle of a home refinance! Not only did they send my account to collections after TWO WEEKS FROM THE DATE I USED THE CARD. They clearly ran my credit to get my husband 's phone number to call to verify. I am in the middle of a home refinance and this could potentially ruin it and cost me a lot of money. The card will now show on my report as closed by credit grantor, and I never missed a payment or did anything wrong. When I called back today I spoke with XXXX different people who all told me different things. 1 ) there are no managers here today, call back Monday 2 ) your account is closed permanently 3 ) your account closed because it expired ( there is no expiration on care credit cards and I used it two weeks prior ) 4 ) your account closed due to inactivity ( but it worked on XXXX/XXXX/XXXX? ) 5 ) I do n't know why they closed it 6 ) call back Monday to get the loan you want ( I do n't want a loan! And I ca n't have my credit run right now! ) 7 ) it is set to issue you a new card ( nooooo! I am refinancing! I ca n't have my credit run. Please dont! ) I asked repetedly to speak with managers and I was refused for different reasons. Most common was " why do you want to talk to them '' then when I explained for the millionth time they would say " we 'll they ca n't help you anyway it 's already done ''. I went as far as calling the synchrony bank main line to see if I could just get someone to help that could get me a number above the extremely rude and taunting bottom level customer service reps. I did get one level above once, to someone who could n't do anything but said there was nobody above her to talk to. She then informed me I had never talked to a manager before ( who exactly was the person that said they were and " fixed '' it all? ). I am so extremely upset. I was on the phone over XXXX hours total with both days and I literally got nowhere, they wo n't help at all. Please pull those calls! Half those people should be fired. I asked XXXX extremely antagonizing guy what his name and id number was and he refused to give me either! Someone please help me with this! It has to be illegal to send something to collections after TWO WEEKS FROM THE PURCHASE DATE. The bill shows a due date of XXXX/XXXX/XXXX! I could potentially be out a lot of money if this is n't fixed quickly. The company refuses to help me. They just gave me a XXXX to write to in XXXX, about my problems.
|
| 08/26/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I applied for a consumer loan at lowes managed through Synchrony Bank. I provided all the correct information. On the online application at Synchrony Bank there were spaces for home phone, cell phone, however the space for home phone stated that it was required that this blank be filled in although more than 40 % of all households now do not have a landline phone. This is a ruse to make robocalls to cell phones and say that the person consented. Since I only use a cell phone I put my cell number in that blank. I purchased a refrigerator at lowes XX/XX/2015 AND IT WAS DELIVERED XX/XX/2015 to the home of the billing address, therefore any Robocall could not be considered a security issue or emergency. On XX/XX/2015 I received a call on my cell phone that said " NO CALLER ID '' As you are aware the FCC and our attorney general recognizes using such caller ID tactics as red flags for fraud. The message was a recording from Synchrony Bank, a Robocall of a non emergency nature. I did get a representative who did not give her name and explained that I was withdrawing my consent to be Robocalled on my my cell phone immediately. The representative remarked that my cell number was on the home phone line of the application. That is true, however. my prefix and number are known to be a cell phone and an entry was required on the application in this line. I guess if you do not have a landline Synchrony Bank does not issue credit. My big issue with Synchrony Bank if that they did not transmit caller ID and should they make another Robocall it is illegal and without permission and can result in significant liability for Synchrony Bank. I have withdrawn my consent for Robocalls to my cell phone. I am also aware of another individual this exact same thing was done to and if Synchrony Bank lies about this, or if the CFPB wants the other person to submit a complaint it can be done. The fact is Synchrony Bank called with no caller ID and when I got a live person, although they submitted no caller ID they wanted my name and last XXXX digits of my social security number. Here we have a bank that can transmit accurate caller ID but intentionally does not submit caller ID information, and I suspect because they knew they were robocalling a cell phone, yet wanted my name and last XXXX digits of my " social '' as the representative said. It would have been more appropriate had the representative instructed me to call the toll free number on the back of my card. Furthermore on their online application, Synchrony Bank must change the way telephone numbers are entered and if a number must be entered in home phone, they must have a way for the consumer to say that it is a cell phone to comply with the law. I am perplexed at reading of a record fine for Synchrony Bank for their lending practices as to why our regulatory agencies have failed to get this matter under control and why a Bank that paid a XXXX dollar fine would call a consumer on their cellphone and intentionally block their caller ID. Whether the call went to a home phone or land line there is absolutely no excuse for not transmitting caller ID. The law on caller id is simple : It 's illegal for anyone to knowingly transmit misleading or inaccurate Caller ID with the intent to defraud, harm, or get money or something else of value from the person being called.
The call with " No Caller ID ' was made XX/XX/2015 at exactly XXXX. and I have records from the phone company to back up this claim.
|
| 01/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Hi, I bought the new cell phones from XXXX XXXX XXXX on XX/XX/XXXX ( inside the XXXX 's Club ). When I received the order from XXXX XXXX XXXX it was completely different than what I have ordered. So, I contacted the XXXX XXXX XXXX ; they cancelled the order and input the new order and asked to return the items via XXXX. I returned the items on XX/XX/XXXX via XXXX. XXXX, I haven't received the money back, however XXXX XXXX XXXX charged me for new order.
I am frustrated with the Synchrony Bank XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX customer service departments. I have filed dispute multiple times with both, but they are giving me run around or in other words not taking any action. I have made over 25 calls to the XXXX XXXX XXXX customer service department ; and they opened multiple case numbers, and I was told that notes have been added to the account and the money will be credited back for the XX/XX/XXXX transaction i.e. XXXX and XXXX dollars. I haven't received anything back on my credit card so far.
Synchrony said they do not have enough information to process a dispute whereas when i spoke with XXXX XXXX XXXX manager ( XXXX ) on XX/XX/XXXX. He asked me to file dispute with the credit card company because he is unable to push the charges back.
Today, I spoke with Synchrony customer service department acct manager XXXX employee ID # XXXX on XX/XX/XXXX ; besides his unprofessional behavior he flat out told me i need to go back to XXXX XXXX XXXX. when I asked to talk to his manager he said they do not talk to the public. Then he transferred me to XXXX, she was pleasant but couldn't help me to resolve the issue and asked to go back to XXXX XXXX XXXX.
I cancelled the service on XXXX confirmation number- XXXX with XXXX XXXX XXXX rep name XXXX over the phone @ XXXX XXXX Then, He input the new order and charged another card for XXXX and XXXX and assured me that the cancelled order money will be credited back to the card as soon as I hand over the phones to the USPS for return. I returned the items with XXXX XXXX XXXX provided returning labels on XX/XX/XXXX with USPS tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX. All the items have already been received by the XXXX XXXX XXXX.
Neither Synchrony Bank nor XXXX XXXX XXXX is willing to give me my money back. Synchrony bank rep was very unprofessional. I am very frustrated with their process. I requested to speak with their ( XXXX XXXX XXXX and Synchrony Bank ) regional management to resolve the issue both representatives said their seniors do not talk to the public. Synchrony bank rep XXXX even gave me the name of his manager i.e. XXXX, when I asked for the name of the head of customer service department, they refused to give me and said our head of department will not talk to you. -- very frustrating!!! and they are in customer service department.
whereas XXXX XXXX XXXX, so far none of the senior manager returned the call, I have requested may be over 20 times to speak someone with authority to resolve this dispute instead every XXXX XXXX XXXX rep love to get the sale from me and blame the previous rep for not doing the right things. but no one wants to resolve. XXXX XXXX XXXX opened the multiple cases for me and told me that they have added multiple notes on the account and issue should be resolved soon, but as of today it is NOT.
I am asking for help to resolve this issue ASAP. thank you
|
| 03/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Unexpected increase in interest rate
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|
Web |
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I am extremely concerned about the fraudulent billing practices of Synchrony Bank. Actually, The practice of this bank to the bona fide consumer is 100 % FRAUDULENT, which need to be scrutinized and CORRECTIVE ACTION need to be taken immediately before causing further damages to the consumers!!! They offered so called " DEFERRED INTEREST CREDIT CARDS '' and charged tremendous amount of excessive interest fees ( 29.99 % on top of balance ) during the past several years ... I purchased furniture & flooring from two vendors LUMBER LIQUIDATORS & XXXX back in XX/XX/XXXX. They offered interest free purchase for 26month if we setup account with this Bank. So we setup 2 accounts for {$8000.00} & {$4600.00} respectively with the Synchrony Bank. When webfirst setup the account, we divided monthly payment into 26 even payments, and request to setup monthly auto pay with the bank, so we thought the balance will unwind after 26mo. But more than 4 years past, we never received any statements from this bank, it wasn't until today XX/XX/XXXX, we found out each account still owed XXXX & XXXX from this bank. And we already made more than {$5500.00} & {$3900.00} towards the interest payment from XXXX till XXXX. And every month, we paid more than {$180.00} & $ XXXXpayments they charged about {$120.00} & {$86.00} were into their interest fees and only remaining small fractions were into principal payments. If they keep charging like this and we did not find out this FRAUDULENT practice today, the principal would NEVER be cleared and they would have charged 29.99 % interest forever!! I never received any statements since the account inception. When I called customer service today XX/XX/XXXX, I expressed our deep concern and we believe there are FRAUDULENT activities they did to our accounts, and demanded them to credit back the excessive interest they charged. However, they refused to credit back any interest fee they already charged, and threatened if we don't pay the remaining balances, they would charge 29.99 % interest for every single payments we made. I made full payment for the remaining balance today, but however, I do not feel confident that this will be the end of this. I am concerned that their poor communication and handling of my account is affecting my credit history. I AM VERY CONCERNED ABOUT THE COMPANY 'S DEFFERED INTEREST CREDIT PRACTICE, because without the monthly statement, the consumer would have no idea, how much they would have charged from your monthly bank account throughout the life span of the purchase, they lure consumers with promises of no interest or 0 % interest for a promotional time period, but there is a debt time bomb at the end, Consumer like me who setup auto pay didn't get any statement from this bank, and they deceive the customers made them thought they are making monthly payments to pay off the balances, however, the payments we made was not to pay off the balance, rather into their monthly interest and once the promotional period ends, consumers will be charged interest retroactively back to the date that they bought the item, even on amounts have been paid off. THIS IS CLEARLY ADECEPTIVE & FRAUDULENT PRACTICE in modern society!!! I am a mom with XXXX kids whose financial has been adversely impacted by COVID! I'm now referring the matter to FTC in the hope the commission would be able to look into the details of this company 's practice and correct the issues & damages caused by this company!
|
| 08/19/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Amazon closed my card account with them on XX/XX/XXXX. They Never gave notification that the account was closed. I found out my account was closed after I tried to purchase a item and it was declined. After the declined notification, I logged into Amazon to view my account. The account was tagged as being closed and no further purchases were allowed. The billing statement showed a balance of {$470.00} at the time the account was closed on XX/XX/XXXX. I contacted Amazon and questioned why my account was closed. The response from Amazon was that my account was closed automatically by Amazon computer system if a payment was returned. I expressed to Amazon that my bank used, closed its doors to its customers without adequate warning, so the returned payment was not due to my fault. It was a bank error. I was asked by Amazon to provide proof so the account can be reopened. I emailed and faxed over information to Amazon in several instances. I spoke with over 5 different people claiming to be a Amazon supervisor who also claimed they were working on getting the account reopened. It was said to me by at least two individuals that once the account was automatically closed, it would be hard to reopen it unless approved by a supervisor. FUI : No one from Amazon contacted me to let me know the account was closed.
While Amazon looked into the situation, its company continued to bill me late fees on the closed account.
I contacted Amazon and questioned why I was being charged late fees on an account they closed. I again stated the account was closed in error. I was told by customer service at Amazon that the fees were automatically generated and I would have to pay the fees.
I refused. I explained that no where in my contract with Amazon does it state when an account is closed, that late fees would be added to the account if payments were not made on time. The supervisor I spoke with on XX/XX/XXXX begin to raise his voice at me over the phone. When I politely asked him to lower his voice when talking to me, the supervisor apologized for his actions. After the supervisor 's apology, I pointed out my concerns as to why Amazon charged me late fees when it is not in its policy to do so after an account is closed. The supervisor stated that this was common sense for customers to know although it was not written in Amazon store card policy. My next question asked to the supervisor was if he was calling me XXXX or other customers XXXX by saying I myself lacked common sense or possibly other customers that may be having similar issues lacked common sense too? The supervisor again stated that he apologized for his comment. I asked the supervisor to have someone from Amazon card center or Synchrony Bank to contact me in reference to the situation. No one called or wrote me.
Amazon decided to send and place sudden negative information on my credit report. They put " first time late '' status on my report. This was damaging to my credit report and unfair due to the fact Amazon was investigating to reopen the account.
I notified Amazon about this and was told again this was something automated. So my question to Amazon was why would they allow a automatic system have control of and even make decisions to close accounts or report to credit bureaus ... instead of live human beings to ensure accuracy of the information. I again received no real answer. I am requesting that my account be cleared and negativity be removed from my credit report.
|
| 07/31/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
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On or around XX/XX/XXXX, XXXX personell at store XXXX used my personal information including but not limited to my social security number, address and name to obtain credit. There is no documentation that XXXX can provide that gives consent, authorization or approval to open a credit account using my personal information including but not limited to my social security number, address and my name. I neither completed or signed an application authorizing or consenting or otherwise approving querying my credit file or opening a credit account using my personal information including but not limted to my social security number address and name. I did not become aware of it until around XX/XX/XXXX at which time I immediately notified my salesperson. I tried to get in contact with management but they were always out of the store, on vacation or just simply not " in '' that day. We had a XX/XX/XXXX written agreement for that would have made this complaint moot but they have since reneged on their written agreement. As they are not honoring their written agreement, I am, therefore, filing a complaint.
XXXX had paid the minimum payment on the credit account since its inception. When they reneged on our written agreement, on or around XX/XX/XXXX, I filed a fraud claim with the issuing institution -- XXXX XXXX -- and followed up with XXXX XXXX with add'l documentation on XX/XX/XXXX. XXXX closed the account and suspended payments until the investigation is concluded which I am told can take up to 60 days. I have engaged with an attorney to have XXXX honor the written agreement that ultimately would have resolved the issue of the illegal and unauthorized use of my personal information including but not limited to my social security number, address and name, to access my credit file and issue credit. However, that takes more than 60 days and I would like a faster resolution to this illegal violation of the use of my personal information and issuance of illegal and unauthorized credit.
In addition to fraudently opening and charging merchandise on the aforementioned unauthorized credit account XXXX Exhibit C -- see statement - XXXX ), someone at XXXX store # XXXX also charged merchandise on my company accounts receivable account without my consent or approval and, in fact, signed my name to the sales receipt for that transaction as well -- see exhibit A. Comparing my signature on my Drivers License -- see exhibit B ) and the reciept, it is clear that is NOT my signature.
Although they have corrected the unauthorized use of my company accounts receivable account, to date, the issue of the fraudently obtained credit using my personal information, including but not limited to, my social security number, address and my name, explained in the previous paragraghs remains unresolved. With these two instances outlined, it is clear that the unauthorized and illegal access and use of customer credit accounts by XXXX personell without customer consent, approval or authorization is modus operandi at XXXX store # XXXX.
I want to be crystal clear -- I did not consent, authorize or approve to access my credit file and/or open a credit account using my personal information, including but not limited to my social security number, address and/or my name.
I have filed a fraud claim with XXXX XXXX and the Florida Department of Agriculture and Consumer Services as well. Please help me bring this to a speedy resolution.
Thank you.
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XX/XX/XXXX, I received notification of a new inquiry on my credit report. The inquiry was from Synchrony Bank for a Sams Club credit card. I first contacted XXXX to report the fraud and they placed a freeze on my credit and instructed me to reach out to the creditor and let them know about the fraud.
I contacted Synchrony Bank the very same day XXXX XX/XX/XXXX ) and informed them that I was not the one who applied for a Sams club credit card and it was a fraudulent transaction. It took them about an hour to even pull up to application because apparently the person used my name and address on the application but not my social security. The social security on the application was one that didn't event exist. Some how even though my social was not on the application because my name and address was put down my social security came up and that was what was used for the inquiry.
Synchrony told me they would send a letter to XXXX letting them know to remove the inquiry from my credit report. I was told that it could take up to 60 days for the inquiry to be removed.
Approximately 60 days later I called XXXX to figure out why the inquiry has not been removed from my credit report. XXXX told me that they have not received any notification from Synchrony Bank directing them to remove the inquiry from my credit report. I then called Synchrony Bank ( the same day ) and informed them that XXXX has not received anything from them. They assured me that they have sent over the necessary document and they don't know why XXXX has not received anything. They told me they would send over the request again. About three weeks later I called XXXX again, as the inquiry was still not removed from my credit report. On that call I was once again told that they have not received any request from Synchrony Bank to have the inquiry removed from my credit report. I was even told on that call by a " supervisor '' that it wasn't a big deal and I should just leave it alone since it didn't impact my score by much. I was appalled and informed the " supervisor '' that it didn't matter if the inquiry didn't affect my score at all, the inquiry was placed there through fraudulent means.
I then called synchrony bank and let them know that XXXX said they still have not received any request from them. Synchrony Bank said they have indeed sent over a request and that they would do it again ( third time now ). I asked if there was any documentation I could receive at all that could be sent over to XXXX and have them remove the inquiry. I was told I could be sent a " deletion letter '' in the mail.
I received the " deletion letter '' in the mail and it was not a deletion letter. It was a letter informing me that I had been declined the credit card ( go figure ) and the letter was dated XX/XX/XXXX. Today XXXX XX/XX/XXXX XXXX, I placed another call to synchrony bank regarding the " deletion letter ''. I then was told that I actually could not receive a deletion letter because their system would only generate one and that would be directly sent to the credit bureau. The supervisor told me that she would escalate the issue and see if there was anyway I could receive the deletion letter in the mail. I was also told that they would go ahead and place another request with XXXX to have the inquiry removed ( four times now ). I then called XXXX and was directed to fill out this form to help expedite the removal of the inquiry from my account.
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| 09/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am writing to complain about a debt collection company that is harassing me for a debt that I do not owe. The debt collector was informed that the debt is fraudulent. After their findings they canceled/deleted the debt and removed it from my credit report. ging. However, they turned around and opened a new account with a new account number without my permission and charging me for it by sending a monthly bill. Please note the account numbers. Thats fraud.
I sent them a XXXX and XXXX and an Affidavit of truth via certified mail to stop all communications. Please see attachments of the XXXX emails and mail that they still continue to send. I believe that the debt collector 's actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from harassing or threatening consumers.
The Consumer Financial Protection Bureau ( CFPB ) has the authority to impose a civil penalty of up to {$1000.00} for each violation of the Fair Credit Reporting Act ( FCRA ). This includes violations of the harassment provision of the FCRA, which prohibits creditors and debt collectors from engaging in any conduct that would cause a consumer to feel harassed, abused, or intimidated.
If a creditor or debt collector has violated the harassment provision of the FCRA, the consumer may file a complaint with the CFPB. The CFPB will investigate the complaint and, if it finds that the creditor or debt collector violated the FCRA, it may impose a civil penalty.
The CFPB has imposed civil penalties on creditors and debt collectors for a variety of harassment violations, including : Repeatedly contacting a consumer at work or at their home, even after the consumer has asked them to stop Using threatening or abusive language Making false or misleading statements about the consumer 's debt Threatening to take legal action against the consumer if they do not pay the debt, even if the creditor or debt collector does not have the legal right to do so If you have been contacted by a creditor or debt collector who has harassed you, you should contact the CFPB to file a complaint. You may also want to consider consulting with an attorney to discuss your legal options.
In addition to the civil penalty, the CFPB may also order the creditor or debt collector to pay you compensation for the harm that they have caused. This can include compensation for emotional distress, lost wages, and other financial losses.
If you have been a victim of a harassment violation, you should contact the CFPB to file a complaint and to learn more about your legal options.
Here are some tips for dealing with a creditor or debt collector who is harassing you : Keep a record of all communication with the creditor or debt collector. This includes recording phone calls, saving emails, and keeping copies of letters.
Be polite and firm when you ask the creditor or debt collector to stop contacting you.
If the creditor or debt collector continues to contact you, you can send them a cease and desist letter. The cease and desist letter should state that you are requesting that the creditor or debt collector stop contacting you and that you will take legal action if they do not comply.
If the creditor or debt collector continues to contact you after you send them a cease and desist letter, you can file a complaint with the CFPB.
You may also want to consider consulting with an attorney to discuss your legal options.
|
| 04/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
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I received a call on XX/XX/2019 from a company calling themselves XXXX XXXX. The lady was rude and said I owed {$1700.00} I told her I had no knowledge of this debt. She said it was for an XXXX store card. I asked her could she send me written correspondence of this in the mail. She became upset and said shed sue me and asked me to give her either my bank account information or a debit card to make payment arrangements. She also asked for my social security number and I told her I didnt feel comfortable giving that over the phone to a company I wasnt aware of. I told her I was not giving her my bank information because I had never received anything in the mail from this company and that I wanted to get something in the mail from them with the amount and the name of the original creditor and that I wanted to call XXXX myself to get that amount to make sure that it was correct before I made any type of payment arrangement with her. Then a man came on the phone and he started being very rude to me. He didnt introduce himself, he just started talking. I asked who are you? He said he was her manager. I told them both that I knew my rights and I was entitled to ask for written correspondence before just giving me bank account information over the phone to a company I never got a letter from. They started telling me that they would sue me so said Im on vacation and I had gotten upset because I was at lunch with family and was visibly upset because this man and woman are screaming at me in the phone threatening legal action and threatening to garnish my wages because I asked that they send me an official letter. Im a mom of XXXX and help my mother who is going through XXXX XXXX. I dont have. {$1700.00} to just give at one time. I gave her my address because I moved and she said shed call me again. I still have not received a letter as of XX/XX/2019. She called me again on XX/XX/2019 and I told her I would contact them once I receive a letter from them. It had only been 2 days and I said I should get your letter this week and I will call them once I did. She was rude again. My mother text me on XX/XX/2019 telling me someone name XXXX from XXXX called MY MOMS CELL NUMBER looking for me about a follow up call for collection for a debt. Why are they calling my family discussing my financial matters!? I dont know how they got my moms cell number. I dont live with my mom. And I never give any company my moms number. They wont validate this debt by sending a letter and they are calling my family which is a violation of the Fair Credit Reporting Act and they certainly can not contact my family. I called XXXX XX/XX/2019 to ask them who their third party collections company is and they gave me a number for a completely different company. XXXX also told me not to give anyone my Social Security number or bank information if this collection company wont send me a letter. I asked them to also send something with the amount owed so I know the collection company isnt telling me the wrong amount and XXXX told me they can not? Im not trying to dodge these people but I want to make sure I get official documentation before I just give a collection company my personal information. Especially when a company claims they are legit but talks to people in such an unprofessional manner. I didnt know that by me asking for an official letter would warrant me bring harassed, threatened with legal action and my mom with XXXX being called.
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| 10/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I noticed an account on my credit reports from a company called SYNCB/CARE CREDIT that I had no business relationship with. SYNCB/CARE CREDIT was attempting to collect on a an alleged debt in the amount of {$540.00}. I have had my identity stolen and sent SYNCB/CARE CREDIT a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent SYNCB/CARE CREDIT account with the credit bureaus. SYNCB/CARE CREDIT however continued reporting this fraudulent SYNCB/CARE CREDIT account with the credit bureaus. XX/XX/2023 I noticed SYNCB/CARE CREDIT still reporting this fraudulent SYNCB/CARE CREDIT account with the credit bureaus. I then sent SYNCB/CARE CREDIT a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between SYNCB/CARE CREDIT and myself and the original application for the account. SYNCB/CARE CREDIT violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) SYNCB/CARE CREDIT was required to cease collection efforts until the alleged debt was validated but failed to do so. SYNCB/CARE CREDIT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent SYNCB/CARE CREDIT account XX/XX/2023 on my credit reports. I then sent SYNCB/CARE CREDIT a FAILURE TO RESPOND letter via mail XX/XX/2023. SYNCB/CARE CREDIT violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. SYNCB/CARE CREDIT violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. SYNCB/CARE CREDIT violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) SYNCB/CARE CREDIT was required to cease collection efforts until the alleged debt was validated but failed to do so. SYNCB/CARE CREDIT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, SYNCB/CARE CREDIT FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. SYNCB/CARE CREDIT violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent SYNCB/CARE CREDIT account XX/XX/2023 on my credit reports and it is still there as of this filing.
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| 02/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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I have had Paypal Credit with no issue since I got approved. In XX/XX/2021, I owed around XXXX and decided to pay off the balance as I wanted to bring down balances on my cards to improve my score and UTI %. Around this time as well, I joined my employers credit union, XXXX, and had them draw up official bank checks to be mailed for XXXX cards I had with balances, XXXX of which were also Synchony Bank store cards and Paypal Credit. These checks were mailed on XX/XX/XXXX.
I checked my accounts the following week, with all of them showing received including Paypal Credit, and was given no warning that there was any issue. I even received a email on XX/XX/XXXX that my payment was received and credited. It was until the end of XXXX when my statement came with notice that I was delinquent and had to pay XXXX XXXX that all my deferred plans were ending, and my credit limit was slashed from XXXX to XXXX. I immediately reached out to them on the XXXX, only to discover poor customer service that would not answer any questions because they did not know the reason they rejected my payment, and I would receive a letter. I never received any letter stating any reason they rejected an official check. The only feedback was it could have been an incorrect account number, but that made no sense since it was credited and then reversed. I also contacted the bank on this, and was told there was never an issue with the check. The other XXXX checks from my credit union for the other XXXX Synchrony store cards, along with the others, were received and credited with no issue.
So I had no choice but to then add my new banking information to Paypal Credit via a completely different system to manage banking/payment system, where you sign in to your actual bank and add it that way. I then maid the payment to bring my account back in order, hoping to bring my account current. However, on XX/XX/XXXX, I received notice that the payment was once again rejected from Paypal Credit with a letter stating no direct reason, only that " Payments could be returned for a variety of reasons such as invalid banking information, incorrect or closed accounts, or the amount available in funds. '' None of these reasons are valid since I did not manually enter any information, they took the information from sign on thru the bank, and I have over XXXX $ in the bank. No fees or occurrence happened in my bank account, so they never processed anything against it. My only chance was to send yet another payment thru my old bank that luckily was still on the profile, which they accepted. When I contacted them again because I was also told that my new bank was removed and could not re-add it due to a system error that was showing up, I was again told they didn't know the reason it was returned, and that I had to contact some XXXX party company I assume was related to the banking sign on management. In my opinion, that is not my issue it is their system and not my responsibility to find out.
And now, all thru this, is the reason for the complaint that I believe due to some unknown reason on their end, in rejecting my XXXX payment on no fault of mine they balance chased me in XXXX and then I just learned closed my account with no notice. Miraculously though, at the writing of this, I was able to re-add the account and make a payment without the error. I will monitor it for the sole reason to do what I intended to do in XXXX, to pay the balance.
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| 01/09/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
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Consumer Financial Protection Bureau : My husband and I have been dealing with Synchrony Bank since XX/XX/XXXX. We opened an account for {$10000.00} with their Home Design to fund a waterproof flooring in a new patio that was being built. The cost for the waterproof flooring and two cans of paint for one wall and a small backdoor porch was {$7300.00} the rest of the money was covering the remaining cost of the patio. On XX/XX/XXXX my husband signed the flooring contract with XXXX XXXX XXXX XXXX XXXX We met XXXX who said he was the owner of the company, but in XX/XX/XXXX the Calif. State License Board informed us that the true owners were Mr. XXXX XXXX , and Mr. XXXX XXXX , whom weve never met. They also never can to the worksite. Mr. XXXX and Mr. XXXX sent an email to the XXXX to have them forward an email to me. In this email was a letter called Mutual Cancellation and Release Agreement. It basically wavered any and all wrong doings from this company that arose on this job. But we would not sign it. On XX/XX/XXXX seventeen boxes of flooring were brought to the worksite and five boxes of unused flooring were loaded back onto their truck. On our contract it has a square footage of 270 but, our patio only measures 251sf. There is no mention of removal of extra unused materials on the contract. Which only implies all materials brought to the worksite are by rights ours or a refund should have been returned to us. I called XXXX when the workers began to load up the extra unused boxes of flooring. I asked him about a refund on the unused boxes or the workers should not take the boxes. He only said I did not pay for the boxes. But as you can see, we did pay.
On XX/XX/XXXX, I called XXXX XXXX and spoke with Ms. XXXX I told her my situation with my contractor and that I just wanted to know if the flooring he sold to me was a waterproof floor. I gave her the name of the flooring which was XXXX and the item number XXXX/XXXX. She looked up the flooring information and said, No, its not waterproof, its laminated. I told her it was installed in a patio enclosure, she said it should not have been installed in a patio. If it gets wet it can be damaged by the water. I called XXXX and told him about the flooring and he said he would not replace it and then he threatened me for the second time, he had also threatened me on XX/XX/XXXX over the phone. On this same day of XX/XX/XXXX at XXXX XXXX I called Synchrony Bank to put a hold on the payment to XXXX XXXX until I could get my patio flooring replaced. I spoke with a Mr. XXXX who said they would hold the payment until I called them back, but the payment went through anyway. Then on XX/XX/XXXX I called Synchrony Bank again to have them file a dispute with XXXX XXXX. They told me the dispute process may take up to two months for XXXX XXXX to respond.
After filling several disputes with Synchrony Bank, they are saying the nature of our dispute concerns a service quality issue, and that they can not judge quality. The floor that was laid was a laminated floor and not a waterproof flooring. They are not understanding the difference in the two floorings. And they are not owning up to the fact I did call to have the payment put on a hold before it was released the XXXX XXXX. I received a letter dated XX/XX/XXXX from Synchrony Bank stating the dispute is closed. But as of XX/XX/XXXX, their Customer Service Dept. said the dispute is still on going.
Thank You,
|
| 07/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
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Web |
|
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Beginning in XX/XX/XXXX, and after numerous attempts to inquire about a duplicate Care Credit Card I filed a report with this office in XX/XX/XXXX Synchrony Bank and Care Credit accepted responsibility for what I now know was cloned Care Credit Card account found on my computer at the hands of my abusive ( with restraining order ) ex-husband ; XXXX XXXX of XXXX, CT ( I live in NC ). This cloned card was used to reroute my automatic Care Credit payments to XXXX XXXX XXXX XXXX, CT to fulfill my {$650.00} balance. The card was in my name only with one purchase for XXXX XXXX. I had no way of knowing there was another card until I found a webpage on my computer after his removal with my account number for my individual XXXX ( XXXX, VA XXXX Credit union savings and checking account. According to the secret service duty agent I visited in XXXX, XXXX, paying off credit cards was a common laundering scheme. I requested records to learn where my funds were sent and received redacted records of a XXXX card- that I never owned. Synchrony simply stated in the CFPB response, " we don't know where the funds were sent. '' Is that how they cover their failure to protect my account. The background is important because Synchrony was well aware my Care Credit card was cloned as they reimbursed me funds I paid toward the assumed balance when there was no balance.
Beginning in XX/XX/XXXX, I contact XXXX XXXX XXXX which finalized their merger with Langely in XX/XX/XXXX to ask what are the " XXXX XXXX '' on my statement in XX/XX/XXXX totaled {$15000.00}? '' The teller shared, " are you the only name on the account? '' I said, " yes, since it was opened in XX/XX/XXXX. '' She said it means XXXX XXXX, someone can access your account if they deposited into your account. I again went through XXXX XXXX Bank records and saw XXXX XXXX made a deposit to my account without authorization or my knowledge he had the account information from XXXX, XXXX From XXXX to date, I have contacted over XXXX people seeking assistance, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US attorney generals in CT and VA XXXX and XXXX XXXX XXXX Not to mention all the local, state, and federal law agencies I wrote to concerning crime. The teller told me a XXXX account was used to conduct the unauthorized XXXX money transfer. The criminal knew about XXXX before the FBI and secret service. You must engage the victims of domestic abuse which includes financial abuse. It must be viewed holistically, beyond any XXXX single app, such as the XXXX in the most recent NY XXXX article. Synchrony Bank and XXXX both agreed to alert consumers if unusual transfers or an additional XXXX card is issued and that is just a big XXXX lazy world lie to avoid punishment. I wrote to the XXXX and they said, we investigated, and see no problem since your funds went to a XXXX account. I opened a XXXX credit account in XXXX and they should not have allowed another card to complete this highly unusual and outrageously suspicious transaction according to their contract : As copied from their Synchrony XXXX consumer contract.
" To prevent fraud, we may limit the number or dollar amount of any type of transactions you can make in any particular amount of time. We also may decline any particular charge on your account for any reason. '' My XXXX Synchrony bankXXXX card ends in XXXX. I want the records of the account number and transaction for Care Credit and XXXX.
|
| 07/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
While going over my prior ( XXXX 2017 ) months Billing statement i went and looked at the interest. I have been noticing it was n't adding up and made a mental note to talk again to the company about it. In the Interest Charge Calculation box Annual Percentage Rate : 25.74 % ( v ) Balance Subject to Interest Rate : {$5300.00} Interest Charge : {$110.00} Which based upon the two things above, it should have been {$110.00}. When I reached out to their online chat the People I talked to attempted to tell me that my interest is based on my Previous balance. Which I told them no its not, I gave them the Definition of Balance Subject to Interest Rate. Also The Previous balance of which was $ XXXX@25.74 % equals XXXX. So still not the Interest that was charged.. Mind you Both the XXXX representative and his supposed Manager both told me this.. That that is what my interest is being based off of. And they both stated that it was {$110.00} but I was charged XXXX.. I went around and around with them. They not only continued to lie to me, they continued to argue with me about the Balance subject to interest Rate. I became Irate. and I am still very angry. I have looked through many of my prior billings, and honestly not a single one of them has the Balance Subject to Interest rate and Annual Percentage rate does n't add up to the interest. Some are higher and some are lower than what the interest charged should have been. Some are exceedingly higher. They have literally been screwing me out of extra money on top of this extremely high APR. Of which they recently changed in the last few months. from 25.49 % to 25.74 % of which I did not authorize. Also when I told them one of the many replacement cards they shoved down my throat did n't arrive and I did n't have it and to cancel the card. So what did they do they made me a new account number all together. This is unnecessary. I did not ask for that. They refused to accept me telling them I DID NOT WANT ANOTHER card and they sent me a new card. After this is when my interest rate changed. I know that the backs of credit cards have security numbers, cancelling the card that never showed up was all that was needed to be done. I did not need a new account number. Also like to note that the statement never says the statement dates. Aka This date to this date is the billing cycle. It never shows it. And I really started to wonder if they might be doubling up on days they 're charging interest. I found that my " Payment Due Date '' Is on the XXXX of every month. I figured this meant thats the closing date. I made a payment to the account on the XX/XX/XXXXthinking it would go on the XX/XX/XXXX billing Cycle. No it showed up on the XX/XX/XXXX billing cycle. I have no idea what the actual billing cycle is. So that I can adequately make my payment at the beginning of it. Over all This company has done many MANY MANY MANY Shady things over the last year especially or its just now that I 'm starting to catch on to these guys. I am thoroughly at my wits end. I can not seem to get this money off this card fast enough. Help me please, they should n't be allowed to scam people on interest like this.. I 'm not talking aboutthe APR but the fact that the Balance subject to interest and the Interest charged has not been adding up. This is scamming. Please Note on my screen shots at the end, I gave up being polite, and courteous. My language is profane, and it is angry.
|
| 06/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I opened an account with Synchrony Bank/MasterCard ( TJX Rewards ) on XX/XX/XXXX. Throughout, I have been a loyal customer and frequently patronized several of the TJX Companies using this card. At a later point I attempted to add my wife as an authorized user, however the cards kept getting lost in the mail. Each time I reported that I wasn't receiving the new card the bank would close the account ( potentially harming my credit score ). This occurred three times before I finally received my second card.
Fast forward, ( weekend of XX/XX/XXXX ) my wife and I were attending and out-of-town event in which the vendors did not accept cash, so we relied heavily on this card to plan our purchases. After arriving at the event we learned our card was no longer working. We reached out to Synchrony customer service since we had not received any notices or emails explaining that the card was frozen. At that point we were told that the account was permanently closed due to a payment being rejected. The reason for the payment rejection was due to the fact that we had double paid Synchrony in an attempt to pay off the balance in full. We attempted a full account payment of {$2600.00} on XX/XX/XXXX ( two weeks prior to any amount coming due on our account ) for the purpose of freeing up our credit limit as we needed to make a timely and expensive online purchase with the card. After waiting several days and not receiving any notice from Synchrony that a payment was received and there being no record of the payment posting while viewing our online account page, we made a second attempt to pay off the balance of {$2700.00} on XX/XX/XXXX. This second attempt ended up going through immediately after the first attempt and we believe there wasn't enough funds to cover a double payment in that amount. ( Unfortunately our bank XXXX XXXX XXXX was having issues and not accessible during this time so we could not check those account balances for available funds ). There was certainly enough to cover the full balance though if we had not double paid. Again, at that time no money was due. We were just trying to zero out the balance. It should also be noted that from the time the second payment was rejected ( on XX/XX/XXXX ) up until we received an official email notice ( on XX/XX/XXXX ) numerous expenses had accrued on the account that are still due.
After calling in, we were told the account was closed and basically it was implied they had no interest in doing business with us. We spoke to account managers, XXXX ( ID # XXXX ) and XXXX ( ID # XXXX ). I asked why they would close an account over an accidental double payment - when no money was even due ( assuming that these simple errors would be preferable to things such as missed payments or late payments ). XXXX said there must be a pattern of " insufficient funds '' transfers on our account- which is not true - and he could not provide dates or evidence of such. We requested several times to speak to their supervisor, XXXX. Their response was rude and evasive and we have still not received a call from XXXX to discuss our issue.
Thus far, Synchrony Bank has done everything in its power to harm my credit score and records and at the same time discredit their name and reputation along with their partners, XXXX and TJX Companies. They've shown no interest in growing or retaining a customer base. Synchrony share holders and partners should be gravely concerned.
|
| 09/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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Took engine to merchant to get a new engine in XX/XX/XXXX. Merchant put in an engine and odometer reading was XXXX. Check engine light came back in XX/XX/XXXX. Merchant and the company they purchased the engine from, XXXX, was trying not to replace the engine because warranty was for 12 months /12,000 miles. They stated warranty was no longer valid because it had been longer than 12 months. We were able to get a replacement engine because we made the argument that due to COVID-19 we were not able to drive the car to get to the 12,000 miles within the 12 months but merchant charged us for half of the labor for the install, which was invoiced on XX/XX/XXXX.
Contacted Visa issued credit cards in XX/XX/XXXX used to pay {$5200.00} on XX/XX/XXXX service for first engine replacement ( {$3500.00} for XXXX XXXX XXXX issued Visa and {$1700.00} for Synchrony Bank issued Visa ) to get copies of statements from XX/XX/XXXX to begin dispute process if the replacement engine was not satisfactory.
The engine had XXXX miles when we took car in for replacement engine on XX/XX/XXXX, which was XXXX. We took car back to merchant on XX/XX/XXXX because check engine light came on. XXXX cleared the code.
We took car back in on Monday, XX/XX/XXXX because check engine light came back on. This time odometer reading was XXXX miles, which is XXXX miles and 76 days from when engine was replaced on XX/XX/XXXX. Warranty on the invoice from XX/XX/XXXX states warranty on parts and labor is 24 months or XXXX miles whichever comes first. Notes from the XX/XX/XXXX invoice states, XXXX states engine pressure not accurate low oil pressure will suggest engine replacement. XXXX XXXX. Notes from XX/XX/XXXX invoice states, XXXX sates engine is not producing oil pressure quickly causing rattle and causing camshaft to starve for oil after a few minutes oil starts to move through engine and noise goes away. But will continue to set code would suggest XXXX diagnose there may be a fix that we are not aware of.
My husband picked up the car on XX/XX/XXXX and asked for a copy of the invoice from XX/XX/XXXX. Store manager alters the notes on the invoice before printing copy. He removes the language regarding the warranty on parts and labor for 24 months or XXXX miles whichever comes first on all repairs.
Since XXXX XXXX XXXX does not know what is causing the code and same code appears after engine was replaced on XX/XX/XXXX. Since tech suggests we need another engine, advises us to take car to XXXX and XXXX XXXX XXXX is not providing warranty on the XXXX engine that was put in on XX/XX/XXXX, we request a refund for service performed on XX/XX/XXXX for {$5200.00}.
We raised disputes with XXXX XXXX XXXX card, not XXXX XXXX for {$3500.00} and Synchrony Bank for {$1700.00}. Both disputes have been closed because the original purchase date was over 540 days old. When I called Visa customer on Friday, XX/XX/XXXX, I was told there was no limit on filing a dispute with a merchant.
I have raised a complaint with Visa on XX/XX/XXXX for {$5200.00} because merchant put XXXX engines in my car that got less than XXXX and has offered not proof that a replacement engine was installed on XX/XX/XXXX. The invoice from XX/XX/XXXX does not mention an engine being installed at no cost. I am asking for Visa to provide an exception to allow me to dispute this charge and get a full refund for the services to take car to XXXX as merchant suggested.
|
| 01/20/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I submitted an online application for the Lowe 's Advantage Card with Synchrony Bank on XX/XX/XXXX. I was told I'd receive a letter with the decision in 7-10 days. I was disappointed to not receive an instant response like some other online credit applications I have submitted, as I wanted to use the Lowe 's store card that week to purchase a refrigerator that was on sale for a limited time. I was also interested in the limited time promotion that lets you save 20 % ( up to {$100.00} XXXX on your first purchase with a new Lowe 's credit account. I called the Lowe 's Credit Card support line at XXXX that same day to see if there was any way to expedite my application. They were unable to help with my already submitted application but informed me that if I applied again in-store that I may receive immediate approval. So on the next day, XX/XX/XXXX, I drove to the Lowe 's Home Improvement store in XXXX XXXX, Pennsylvania and submitted an in-person application at the customer service desk. However, I received the same response that they could not process the application immediately and instead would send a letter to my home address with their decision.
4 days later, on XX/XX/XXXX, I received an email from XXXX stating " We are responding to your recent application for a LOWE 'S Please ( click here ) to review the response on our secure site. To help reduce our impact on the environment, we are sending this letter to you electronically. You can download or print the letter for your records. '' However, when clicking the link to the secure site and entering my credentials, I simply received a blank page. The next few days I tried viewing the letter several times on several different devices without any luck. On XX/XX/XXXX I placed a call to Synchrony Bank Customer Service at XXXX to inquire why I could not view the response. They were unable to make the electronic letter viewable for me, but told me they'd send a paper letter in the postal service instead and that I would receive it in 7-10 days. As the sale price on the fridge I wanted to purchase was ending before I was likely to receive that letter, I went ahead and placed an online order for the refrigerator after that call.
On XX/XX/XXXX I received a letter in the mail stating that they were declining my application due to it being submitted too soon after a previous application. This appears to be in response to the second application I made in-store, and not to the initial online application. I immediately called Lowe 's Credit Card support line at XXXX again to clarify this and they transferred me to someone at Synchrony who informed me that yes, the second application was denied due to proximity to the first, however she also said that there was some issue with my first application which caused it to never be fully processed. They told me they would escalate the issue and re-process the application, and that I would receive a new letter in the mail in 7-10 days.
It is now XX/XX/XXXX, 57 days since I submitted an application and 41 days since my last call where they said I'd be receiving a letter promptly. I have received nothing from Synchrony or Lowe 's since that call, to my email inbox or my actual mailbox. I have since read up on the Equal Credit Opportunity Act which states that I have the right to know whether my application was accepted or rejected within 30 days of filing an application, which I still do not know.
|
| 08/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
SYNCB/JC PENNEY XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX SYNCB/WALMART XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 07/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I originally put in a dispute to PayPal credit card on XXXXfor a charge to my account from XXXX for damaged items in the amount of XXXX that was made on XX/XX/XXXX.
I originally put the dispute in because XXXX was not taking in-store returns due to Covid 19 and i was told to go online to print a return shipping label to return. When I went to XXXX to print the label A notification box popped up that clearly stated that once my item is returned i will not get my money back and That I will only be giving store credit. This purchase was a very expensive purchase and I do not want store credit i want my money to be refunded to my original form Of payment which was XXXX. Also I was not informed at the time of purchase that I would not be able to get a refund.
I then proceeded to call XXXX and I put a dispute in on XX/XX/XXXX in the amount of XXXX with a representative. I waited the allotted time frame that was given for XXXX To respond to the dispute which was about 60 days. I notice that there was a charge on my account in the amount of XXXX on XX/XX/XXXX XXXX. I then proceeded to call XXXX I was informed by a representative that my dispute was closed and I was charged the amount of my dispute because I did not return the items. Then told the representative that I did not return the items because I did not want store credit and that was a reason for me filing a dispute in the first place. the representative then informed me that she has to put the dispute in again for a second time because the first person did not put it in correctly. The second dispute was entered on my account on XX/XX/XXXX in the amount of XXXX. And was awaiting a resolution.
On XX/XX/XXXX called PayPal to discuss another a separate issue that I had on my account and I spoke with a supervisor name XXXX.
While I had supervisor on the phone I had asked her about my status dispute in the amount of XXXX for target and XXXX advised XXXX that they have 60 days to finish the dispute process for this dispute and then I would need to wait another 30 days to see what would need to be to resolve my issue.
Today XXXX XXXX get an emailed letter from PayPal that states Per my request my dispute is being cancel. I did not request for this dispute to be closed or canceled and this was already the second time that I had to put in a dispute and was waiting for a resolution.
I called PayPal on XXXX XX/XX/XXXX and talk to another supervisor named XXXX and asked why was my dispute closed without my permission and that I did not request to close the dispute and basically the supervisor stated that There was nothing that he can do and that he would need to put in another a dispute for a third time and I would need to wait another 60 days from todays date of XX/XX/XXXX for a resolution Which is totally unacceptable. I feel like Im being given the runaround I just want to get this resolved as soon as possible because they told me that I have to hold onto the items until the dispute process is over but its been going on for almost 5 months and now I got to wait another 60 for a resolution that is no fault of my own.
PayPal informed my that I have to hold on items until a resolution is reach but this stuff has been sitting in my house for months now. I Can not get paypal to help me with the problem Instead I am given the run around. I just want a resolution and not have to wait another 60 days it has been going on way to long.
|
| 04/13/2015 |
Yes |
|
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX * XXXXXXXXXXXX XXXX, XXXX ONLINE COMPLAINTConsumerfinance.govDear Sir/Madam : I am filing a complaint against Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX for the Care Credit charges on account ending in XXXX ( their letter of denial attached ).
I did NOT receive the 'quality ' of dental work I paid for and XXXX XXXX cause a medical problem with XXXX XXXX, and XXXX XXXX in addition to giving me an Rx for the wrong medication I am allergic to. XXXX XXXX " refused '' to take telephone calls from the pharmacist at XXXX, XXXX XXXX told me so that he can, " go to hell ''. Each XXXX was trying to blame the other for the mistake. The Rx should have never been issued in the XXXX place cause me to go into XXXX
In addition. On page XXXX ( XXXX ) of how disputes are handled, number XXXX ( XXXX XXXX, it states that, " you, the doctor,, may be charged back if your documentation does not accurately and fairly resolve the dispute ''. XXXX XXXX told Carecredit he tried contacting me, which is an outright lie, to resolve this dispute ; There are no telephone calls to my home number or cell number from XXXX XXXX, nor did I receive any mail from them indicating he was trying to resolve the issue. I have asked XXXX to email me all the dates that I was seen from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. I do not have that information as yet. I spoke to someone at Synchrony bank today, she was going to do a conference call with XXXX. She got back on the telephone and said, " their office does not open until XXXX today ''. She did not call me back to do a conference call. I kept going back complaining of XXXX XXXX hurting. XXXX XXXX finally said, if it continues to 'hurt ' we 'll pull it out! '' I had a XXXX, why did n't he see it?
Also on page XXXX ( XXXX ) under Care Credit Refund Policy, XXXX paragraph, it states that they have established a refund policy within a short window of time, no longer than five ( 5 ) days. I was still " UNDER '' the care of XXXX XXXX at that time before I knew there was a big problem that all the pain I was in was do to an XXXX that XXXX XXXX was not treating and the XXXX left in XXXX of the canals!
Furthermore, under there " A No REFUND policy were no services / products were rendered is not acceptable. It states that consumers who have received " some '', but not all, of the paid services/treatments, will receive a prorated refund from the provider for the cost of services/treatments not yet received. XXXX XXXX did " XXXX XXXX XXXX, XXXX XXXX and left XXXX # XXXX and untreated XXXX. ( Do you actually think I am going to let him do anything else to my teeth? ) Or, if a consumer can show a " medical reason '' ( he issued a wrong XXXX causing XXXX ), for cancellation and the provider has not processed a refund, Care Credit/Synchrony Bank will find in favor the the consumer and chargeback the transaction regardless of the provider 's disclosed refund policy. Since XXXX XXXX did not incomplete root XXXX ( XXXX, XXXX XXXX, he left an XXXX XXXX that required me to be on antibotics, and XXXX XXXX XXXX XXXX as well as the botched up work, in my opinion on XXXX XXXX, that caused the XXXX and a dentist had to be seen to pull the XXXX, he caused a real life medical condition that had to be treated by professionals. ( The list of dentists seen is also attached ).
See attached letter for complete details as the letter maxed out this section.
|
| 12/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
On XX/XX/2019, I was going through the process of buying a mattress on XXXX. As I was about to check out, the company offered to connect my Amazon pay account with purple.com to complete the purchase. I authorized the connection and processed to select a credit card to complete the checkout process. I selected the Amazon.com Store card as it listed : " Your purchase with your Amazon.com Store Card may qualify for one of the following offers ( scroll down for important details and to Print/Save ) : EQUAL MONTHLY PAYMENT AND SPECIAL FINANCING INFORMATION If your purchase is less than {$150.00}, your purchase will not qualify for special financing or equal monthly payments.
Equal monthly payments - Pay equal monthly payments at 0 % APR : 6 month equal monthly payments on purchases of $ XXXX {$590.00}.
12 month equal monthly payments on purchases of {$600.00} or more.
24 month equal monthly payments on select purchases of {$600.00} or more.
Provided you make your equal monthly payments on time and in full, you do not have to pay interest on this type of offer. If you do not make a payment on time or in full, you will be charged a late fee which will be assessed interest until paid.
Equal monthly payments required. The required monthly payment is the purchase price ( including tax and shipping ) divided equally by the applicable number of months in the offer period.
Special financing Pay no interest if paid in full within the promotional period : No interest if paid in full within 6 months on purchases of $ XXXX {$590.00}.
No interest if paid in full within 12 months on purchases of {$600.00} or more.
No interest if paid in full within 24 months on select purchases of {$790.00} or more.
If promotional balance is not paid in full by the end of the applicable promotional period, interest will be imposed from the purchase date at a variable APR of 27.49 %. APR will vary with the market based on the Prime Rate.
Minimum monthly payments are required as stated in your account terms. This required minimum monthly payment may or may not pay off your purchase by the end of the offer period. In order to pay off the purchase in full before the end of the offer period, you may need to make additional or larger payments accordingly.
To Print/Save disclosure, click here '' Since it stated that " No interest if paid in full within 24 months on select purchases of {$790.00} or more. '' I concluded that my {$1500.00} payment is eligible for 24 monthly payments especially since I was purchasing the mattress during a sale ( which I understood as the promotional period ).
However, the issuing bank https : //www.synchronycredit.com/ is stating that my purchase is : AMAZON PAYMENTS XXXX WA 12 MONTHS EQUAL PAY 0 % APR AMZ*OnPurple '' - meaning only eligible for 12 monthly payments and not 24.
I had contacted the bank which told me to speak to Amazon. So I contacted Amazon and they told me that my purchase is not eligible for 24 monthly payments and that the checkout process on Amazon would make that clear. Since I was not buying the product on Amazon and the product was not a selected purchase, I was not given the 24 monthly equal payments.
The " EQUAL MONTHLY PAYMENT AND SPECIAL FINANCING INFORMATION '' stated during the checkout process does not make that eligibility clear and I believe I was misled as a customer of Amazon and client of both Amazon.com Store Card and Synchrony bank.
|
| 03/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Apparently, sometime in XX/XX/XXXX, someone opened a charge account in my name. It appears from talking with XXXX XXXX, which was the bank it was opened with, that shortly after opening the account, they called into Synchrony and changed the address to a different address within my apartment complex. They then apparently ordered some car parts and had them shipped to my address. Synchrony said it was signed for but they couldn't read the name. I became aware of the account a few months later when the mailman noticed that mail in my name was being delivered to a different building. I then called Synchrony to report the problem. Overall, I have called Synchrony 7-10 times since that time to discuss the problem. After most of the calls, they sais that they need to mail me a fraud investigation form. I would wait for the form but wouldn't receive it and then I would get a letter saying that my request was denied b/c the merchandise was mailed to my address and that I failed to cooperate with their investigation. I would call again and the same thing would happen ; they said they had to mail me the form and I had to return it. Every time but one I never received the form. On occasion, I would receive a letter saying that another envelope would be coming with the form in it but then I wouldn't receive the form. I request them to email me the form, fax it to me, or get it to me any other way and they said it had to be mailed. I wouldn't get it and I would have to start the process again. I finally got one of the forms in XX/XX/XXXX. Synchrony also said that I needed to file a police report which I did. I faxed the form, police report and other documents as requested on XX/XX/XXXX. I got a letter from them on XX/XX/XXXX saying I was denied. I got sick through this time so I waited to call them again until XX/XX/XXXX. I called them again and asked to speak to someone to complain and was told that I couldn't talk to anyone but all I could do was reopen the case. I asked if they got the information I sent and they said no. I re-faxed it on XX/XX/XXXX. After both faxes, I got a confirmation that it went through. I called a few days later to make sure they got it and they said no. After telling them I had a confirmation number, they told me they found it. I was denied again on XX/XX/XXXX saying that I had benefited from the use of the purchase, had failed to cooperate with their investigation, and the merchandise was shipped to my address. Over all, my claim has been denied 5 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). As mentioned earlier, I have called them 7-10 times, filed a police report, and tried to fax them information 2 times. On Synchrony 's part, they supposedly sent me a 5 investigation form that I only received once, lost both of my faxes, changed the address on the account to my address and then said that the bills didn't go to a different address ( even after supposedly received my fax showing the statements the mailman gave me with the wrong address on them ), and doesn't have my signature on anything, including the supposed delivery of the items. I am currently XXXX years of age and feel that this is bordering on elder abuse. All my efforts to set this matter straight have been rejected and they can't tell me anything I can do to set it right. They just say that the good were delivered to my apartment address so I did it which just isn't true.
|
| 06/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I am natural person and consumer submitting this complaint in response to an unfair adverse action letter ( exhibit 1 ), as advertisement, without the aid of an attorney. I received an adverse action letter dated XXXX XXXX, 2023 in response to a request of a consumer financial product referred to as TJX rewards Card issued by assigned creditor Synchrony Bank alleging disapproval of my extension of credit request.
The alleged reason states Prior unsatisfactory obligation with Synchrony Bank. The letter included no proof of claim to justify the adverse action or alleged obligation with Synchrony Bank and is unfair, deceptive and discriminatory against my good faith reliance of the disclosure provided in letter of my right under the Equal Credit Opportunity Act.
I suspect that it is an inadvertent error or mistaken identity and demand pursuant to the Fair Debt Collection Practices Act proof of claim of the alleged obligation/loss/deficit/debt balance for validation of the alleged debt and verification under oath provided by an authorized officer of Synchrony Bank having first hand knowledge who can testify to the asserted claim.
Should Synchrony Bank authorized officer upon receipt of this complaint refuse of fail to comply with verification of the alleged obligation under penalty of perjury within 30 days. Synchrony agrees to waive any rights, or alleged claims and shall terminate all collection efforts illegally impairing the credit decision. Synchrony Bank also agrees cease and desist such frivolous claim. Proof of claim is accepted via mail to the applicant address.
Notice is hereby given that I revoke authorization of any communication by use of AI technology and by electronic agents. I revoke authorization of any credit decision based on consumer reports or income as the labor of a human being is not a commodity or article of commerce.
Further notice is hereby given to Synchrony Bank as you are using the social security account number on my authority as card issuer necessary to guarantee, insure, or provide security for the credit as prepayment of the finance charge required to be disclosed in accordance to the Truth in Lending Act, please take note on the behalf of the United States, you acknowledge and agree that I have authority to bind your business or entity and that such business or entity accepts these terms. The note is not under a negotiable instrument anymore, it is a security. An individual must not be denied any right, benefit, or privilege provided by law by a component because of such individual 's refusal to disclose their Social Security number in compliance standards of the enumerated consumer laws, specifically, Fair Debt Collection Practices Act, the Fair Credit Billing Act, Truth in Lending Act and the Fair Credit Reporting Act and the Consumer Fraud and Deceptive Business Practices Act. The term " advertisement '' includes the attempt by publication, dissemination, solicitation or circulation to induce directly or indirectly any person to enter into any obligation or acquire any title or interest in any merchandise and includes every work device to disguise any form of business solicitation by using such terms as " renewal '', " invoice '', " bill '', " statement '', or " reminder '', to create an impression of existing obligation when there is none, or other language to mislead any person in relation to any sought after commercial transaction.
|
| 07/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Starting in XX/XX/XXXX, I called Synchrony Bank about fraud charges on my card. That day, the lady from Synchrony went through every single purchase made on my card and I pointed out the fraud charges to her. From there she transferred my call to the fraud department and they said an investigation would be opened, but they could only pull up the chargers from the pasted 6 months ( since XX/XX/XXXX ) and that they would send me a packet in the mail and I had to write down every fraud charge ever made on my account. I never received this packet. I ended up having to go to XXXX in XX/XX/XXXX for family medical reasons and I called Synchrony and explained what was going on. I said that before I left, I never got that packet in the mail and I was n't going to be back in XXXX for several months so I changed my address to the address I was staying at in XXXX. A few weeks later, my parents said my packet came in the mail in XXXX so I called Synchrony Bank and told them that I had called a few weeks before and changed my address because I was n't in XXXX to receive that packet. They had absolutely no record of this in their files. They said I never called and changed my address, but I did. On top of that, they said the fraud investigation was closed and I had been refunded all of the money which was impossible because they only had access from XX/XX/XXXX-XX/XX/XXXX, and did n't have the completed packet from me to document fraud charges starting back in XX/XX/XXXX. After the man argued with me, they passed me on to a manager in the fraud department and I got them to resend me the packet to the updated address so I could fill it out. He said when I received it to call and go over it so they could reopen the investigation. I received the packet in XX/XX/XXXX. XX/XX/XXXX I called them again and went through the packet and every single fraud purchase on my account and the lady said it would take a minimum of 30 days to go over it and re-open the case. During all this time, starting around mid XX/XX/XXXX, I 've been called multiple times a day by Synchrony saying that I 'm past due on paying my bills. Back in XX/XX/XXXX, I was told not to pay any more bills until the investigation was complete, so I had n't paid anything. Starting in XX/XX/XXXX, I 've been getting called multiple times a day from collection agencies saying I was past due on paying my bills. I repeatedly told them that my account was under investigation for fraud and was told not to make anymore payments. Today ( XXXX XXXX, XXXX ), after receiving yet another collection call, I called Synchrony and spoke with another fraud manager. He said my investigation was closed XX/XX/XXXX, 7 days not 30, after my investigation was re-opened, but nobody alerted me. He said they did n't have a letter stating it was closed. However, I received a letter in the mail dated AFTER XX/XX/XXXX stating that my investigation was reopened. When I asked the manager for copies of everything they had on my file about this investigation he said " What do you mean? '' and then proceeded to tell me that they have no letters to send me about my own case. Every single time I 've tried to contact Synchrony Bank about my investigation, I 've either been hung up on or everything we talked about was n't even recorded. I 'd say 3 out of 15+ phone calls with Synchrony were successful. Even after all of this, not all of fraudulent charges have been resolved.
|
| 11/11/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
This is my letter to Synchrony Bank I would like to talk to you about Synchrony Bank and the people that handle your phone calls for your clients. I may be wrong, but I FEEL like I am experiencing a very unfair situation. I went to Value City XXXX with enough cash to purchase the furniture I got that day. However, I was urged by my salesman to put it all on a credit card. I told him, I had the cash. Of course, this is a decision I made.
I was told I would be able to pay it back with no interest as long as I paid it back within the " Promo '' balance pay period. And that if I didn't pay it off within that time period, I would be charged interest. I was fine with that, so I signed up. What I didn't understand ( and this is my fault ), was that if I didn't pay the full balance by that time, I would incur " RETROACTIVE '' interest ( again, probably my fault for not reading the entire slew of terms and conditions ).
However, I continually paid more than the amount due on my account every month with your company proceeding to increase my credit limit. I never went over my limit and continually paid, on time, more than what was due. I eventually paid down about 1/3 of the bill when one of these cute little " Promo '' balances became due. I thought oh well, Now I will need to begin to pay more because the interest will " BEGIN '' accruing. Still unaware that I would be charged a huge amount of retroactive interest.
When I saw the new balance, I almost had a XXXX XXXX.
I called your company and was met with very rude, overseas, obstinate customer service. I asked a couple of them ( because I called a couple of times ) was there anything I could do. I was told that I could " pay my bill using a bank account ''. As if I didnt know that.
Each time I called asking if there was anything I could do to change this situation, no one would listen to me. And I definitely wasnt rude or challenging.
I work very hard for my money, and I try to do everything to pay my bills and keep my credit right. When this lovely " retroactive interest '' kicked in, I hadn't received a commission check in 3 months because my sales were down as an XXXX XXXX, and I had no other income.
Since then, I have acquired two more jobs so now I have three jobs in an attempt to keep a roof over my head. I don't have a husband or family or anyone to help me with bills and now I will be paying three times what this furniture cost, which also happens to be five times what its worth, when I nearly had it paid off, on time.
The kicker was when your company proceeded to close my account even though I was still paying, on time, which, as I'm sure you know, DINGS my credit.
So, I signed up for your credit card I didn't need, got hit with retroactive interest, was treated like XXXX by the people that answer your phones, I still have to pay for this, AND your company decided best practices were to also close my account and DING my credit? I feel like " predatory lending ''.
I haven't used the credit card in about a year AND I was thrown over my limit to satisfy your retroactive interest anyway. It was tantamount to your company saying to me, " Let 's go ahead and FINISH her ''.
I understand my role in reading what I sign up for, but I don't understand their decision to make their final move. And believe it was very unfair and more so " UNNECESSARY ''. I mean, how did closing my account BENEFIT Synchrony bank?
|
| 08/16/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This dispute is in regard to Synchrony Bank, who is a creditor providing an account through XXXX XXXX.
We purchased furniture on credit in XXXX which was originally promised to arrive by XXXX or XXXX of XXXX. We never received the furniture at that time, or at any time during XXXX. When consulting with the merchant in late XXXX and early XXXX we were told we were never going to receive the furniture EVER. I then filed a chargeback dispute letter with Synchrony Bank ( per their instructions ) and sent it to the mailing address provided. I have a scanned copy of this letter as evidence. Note that this was the ONLY option they provided to file a chargeback dispute - there was no online portal or customer service phone number.
This letter was signed and sent on XX/XX/XXXX.
In XXXX of XXXX we began receiving collections calls on the account. We explained that the account was in dispute and that, according to the bank 's policy ( as stated in writing on their dispute letter ), we were not required to submit any payments during the dispute period. Nor would we be charged interest or late fees.
In these phone calls it was implied that the dispute had been resolved in XXXX or XX/XX/XXXX ( the dates seem to vary depending on which agent we speak to ), but WE WERE NEVER NOTIFIED. I have tried to explain that the dispute had not been resolved and we were not notified and that we were still wanting to move forward with the dispute, but the bank has been completely inflexible and continues to make collections calls ( bordering on harassment ). The employees on these recorded phone calls have all told us that they have fixed the issue, notated this on our account, and promised that the dispute has been re-initiated. However, the collections calls continue. On XX/XX/XXXX, fearing the bank would unfairly and abusively report a late payment on my credit report, we made a payment in good faith following a call with an agent of the bank who again reassured us that there would be no report of late payments and that the dispute was ongoing. The bank has still elected to report a XXXX day late payment despite our consistent and ongoing efforts to vocalize our concerns over the unresolved dispute with not receiving the purchased goods. In short, the bank has acted unilaterally and in bad faith and now my credit score is suffering. We have tried relentlessly to find a mutually agreeable path forward, with numerous calls on record, but the bank refuses to acknowledge their mistake and the damage their actions have incurred without basis on my credit. I am forced to report this to the CFPB because I have no other course of action at my disposal.
The bank now refuses to take our phone calls and will not cooperate in managing this dispute going forward. They also refuse to take responsibility for their actions and will not help us rectify or amicably resolve this matter. We are worried this will continue to damage our credit unfairly and also will happen to other unsuspecting customers. Synchrony is engaging in abusive and damaging business practices and must be brought to task for their mistakes. During our latest conversation with XXXX ( employee number XXXX ), we were told that she won't research the bank 's errors and after promising to transfer us to a different agent, put us on hold for XXXX minutes before disconnecting the call. This is not the first time we have been hung up on.
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| 02/01/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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bought two XXXX XXXX back in XX/XX/XXXX, on an agreed equal promotional balance monthly for 24 months at no interest. ( making the min payment {$76.00} ). I could access everything online as I had signed up for the online paperless statements, including the " promotional purchases '' section, which gave details of how many purchases ( of the 24 month plan was left, what the balance was, and what the charged apr was ( always 0 % ). The min was paid every month on time and the balance was being paid off until XXXX had a promotion in XX/XX/XXXX to " sell back '' old XXXX ( giving a {$400.00} credit for each, XXXX total ). Once the new phones were bought XXXX sent a " send the old phones back '' package and each of the 2 old phones were sent back. At the time, it was said XXXX would give the two {$400.00} credits back within 6 weeks of getting the phone. This didnt happen, one {$400.00} credit was given XX/XX/XXXX and the other XX/XX/XXXX. As soon as the new phones were purchased, XXXX store financing ( XXXX XXXX ) removed my XX/XX/XXXX equal promotional balance off of my statements and no longer gave me access to any information other than what my " recent history '' was listed online. At the time they also had taken my min payment from the advertised roughly {$85.00} for the new phones and added the previous {$76.00} to it to give a min payment due of XXXX. This resulted in me calling them in XX/XX/XXXXbecause I didnt understand why my min was so much considering the purchase of the two new phones ( just over 2k, divided by the 24 month equal payments was far under the XXXX I was being charged ). They " couldnt figure it out '' and after about an hour of trying to get in contact with a supervisor, they said they would have to get back to me and call me back ... never did. I wasn't surprised so I made what would have been my min payment of XXXX because the supervisor said she would adjust it and everything should be find the month after. Once the two {$400.00} credits were applied, synchrony back dated them to XX/XX/XXXX ( for why i have no idea ) but when I talked to them the first time the supervisor said that XXXX credit was applied towards my oldest 24 month pay off of XXXX balance bringing the balance down to XXXX for the old phones. ( great ) and that my min payment would be the {$160.00} until the remaining {$180.00} was paid off since i was paying the combined 2 min payments on the two promotional purchases. So fast forward and my three months of payments, plus an adjustment from synchrony, and when I called today the old phone balance is at 300 something ( from what I was told ). I again expressed the fact I didnt have access to my statements ( supposed to have been fixed the first, second and third time I called. The one statement I have ( given access to by their IT ) was the one when I bought the two new phones and it doesnt show the promotional balance of either of the 24 month equal payment plans. and as of today when I called the most recent statement for XX/XX/XXXX doesnt have any listed promotional purchases. I then asked why the {$800.00} credit and the min payments ive made werent applied to the oldest promotion, and they said only a percentage of the payment goes to the oldest and that even if i made a payment of whatever the oldest balance was, that it wouldnt go entirely to the oldest one, that there is an algorithm that determines that. uh what?
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| 01/15/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Complaint : I began disputing this charge as soon as I received the bill from Lowes Synchrony. When the delivery truck came to deliver appliances on XX/XX/XXXX, they did not have the complete order. In the middle of unloading the appliances, the delivery company tried to get me to sign the delivery paperwork that all the appliances were delivered. I refused to sign the paperwork. The delivery people stopped delivering and reloaded the appliances back onto the truck that they were supposed to deliver. What transpired thereafter was a month-long waste of time where I worked with numbers of Lowes associates and mangers of two Lowes stores in XXXX XXXX and XXXX XXXX XXXX ( XXXX ) as well as some very challenging interaction with the delivery company including its owner XXXX XXXX. In the end, I repurchased appliances three separate times and every time the delivery was supposed to occur, the delivery truck either no-showed or showed but refused to deliver the appliances. I began disputing the appliance charges via telephone on XX/XX/XXXX ( I spoke with XXXX ID number XXXX and she confirmed a dispute in the amount of {$1600.00} ) and again on XX/XX/XXXX ( I called and the incorrect amount was disputed and no paperwork was received ; the woman to whom I spoke refused to identify herself ), both answered by the Synchrony call center in the XXXX. On both of these occasions, I was told by the Synchrony representative that I would receive paperwork in the mail of my dispute but no such paperwork ever arrived. Because I never heard back from Synchrony, I faxed a written dispute on XXXX/XXXX/XXXX ( attached file " XXXX XXXX XXXX XXXX XXXX XXXX '' ) ; please note I advised Synchrony that I would not allow any further telephonic communication, that all communication must be faxed or mailed. I received a letter via XXXX confirming receipt of my dispute dated XXXX/XXXX/XXXX ( attached file " XXXX XXXX XXXX '' ). In the mail on XXXX/XXXX/XXXX I received their dispute resolution ( attached file " XXXX XXXX XXXX XXXX XXXX '' ) which stated that I should look at the attached information and call my local Lowes store. I faxed an amended dispute ( attached file " XXXX amended dispute w Lowes Synchrony XXXX fax XXXX '' ) on XXXX/XXXX/XXXX and have not heard from Synchrony. Please note I made a typo on my amended dispute by stating I initially disputed on XXXX/XXXX/XXXX when in fact I began disputing on XXXX/XXXX/XXXX. I looked at my online account yesterday, XXXX/XXXX/XXXX, and saw that a payment is due. Synchrony is not honoring laws established to protect consumers in the following ways : 1-they have taken too long to respond to a disputed charge ; 2-they ignored specific requests by me to only communicate with me in writing via mail or fax ; 3-they " resolved '' a dispute after the time allotted by law and without any details of why they resolved the dispute in Lowes ' favor ( their resolution response has something that is supposed to be my signature but I believe this signature is computer generated from a finger sign that was done in store when the original appliances were purchased ; the form supplied in the resolution response was not the form the delivery people tried to get me to sign for an incomplete delivery ) ; and 4-when notified the charges were still in dispute, they are ignoring the dispute ( as they have since XXXX XXXX, XXXX ) and a payment is due on XXXX/XXXX/XXXX.
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| 04/01/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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I received notice from XXXX XXXX XXXX, who purchased my debt ( balance as of XXXX ) of {$2300.00} from Syhncrony Bank/Walmart - original account number XXXX ; XXXX XXXX XXXX Number XXXX. The date of the notice was XXXX. I received it on or about XXXX. I called XXXX XXXX and spoke with " XXXX ''. I explained to XXXX that I was unable to set up payments online because the system would not allow me. I explained to him that I have the letter which states that I should " call XXXX '' and " Reply By XXXX ''. There is nothing in the letter which indicates an " expiration '' date, or that legal action would be filed if no payment is made before an " expiration date ''. ( XXXX, later, after we made arrangements said the " reply '' date is the expiration date.
The entire letter is intimidating. It has language that implies a lawsuit ; " pre-legal department '', " possible attorney review '', " pre-legal notification ''. It threatens me and states that if I fail to make a payment ( it does not provide when this payment should be made to avoid legal process ), or contact them, it would result in " the continuation of the pre-legal review process. The letter goes on to use very intimidating language, indicating that a lawsuit will result in a judgement against me enforceable according to state law.
In apparent admission of this unfair practice of harassment, the letter ends with the following : " there is still an opportunity to set up a payment plan and avoid the hassle and inconvenience of the legal process. '' I reached out to XXXX XXXX, not to dispute the debt, but to initiate a settlement. The account XXXX attempted to force me to tender a payment over the phone and we finally agreed to payments being sent ; he mentioned the payment was unsecured and indicated that legal proceedings may still continue.
I have followed their instructions, even with the threats of legal action. After making arrangements with XXXX, I noticed he kept interrupting me and asked for a supervisor, who, used same intimidating language. When I asked him why are they telling me there is an expiration date and no mention of " expiration '' in the letter, he said XXXX may have confused it and attempted to suggest that " reply '' meant expiration.
Under the Fair Debt Collections & Practices Act, regarding " False or misleading representations, a debt collector may not use any false, deceptive or misleading representation or means in the connection with collection of any debt ''. XXXX XXXX XXXX, on our call, and in their letter ( attached ) used misleading and false representations. The letter stated to call to resolve and to reply by XXXX. There was no mention of an expiration date. There was nothing in the letter that states a payment of any amount before an expiration date could avoid legal proceedings.
The letter gives the impression that only XXXX has legal rights or use of the law.
The Fair Debt Collections & Practices Act also states that a debt collector may not use " false representation or implication that documents are a legal process. '' The entire letter implies that the document itself is part of a larger legal process against me. This is a very clear violation of the Act.
I have entered an agreement to make payments to resolved the debt, but feel that XXXX XXXX has broken the law and violated my consumer rights in addition to guidelines in the Fair Debt & Collections Act.
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| 08/08/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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XXXX XXXX Sleepys open-ended credit account - Payment due date was XX/XX/XXXX which was a Sunday, so payment was made on Monday, XX/XX/XXXX. The Truth in Lending Act : SEC. 106. RULES REGARDING PERIODIC STATEMENTS. ( a ) IN GENERAL.Section 127 of the Truth in Lending Act ( 15 U.S.C. 1637 ) is amended by adding at the end the following : ( o ) DUE DATES FOR CREDIT CARD ACCOUNTS. ( 1 ) IN GENERAL.The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month. ( 2 ) WEEKEND OR HOLIDAY DUE DATES.If the payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor may not treat a payment received on the next business day as late for any purpose. Was charged a late fee, but called and agent said as a courtesy they would credit it since they understood the due date was a Sunday. XXXX XXXX continues to charge late fees ( and then interest on the late fees since this account is deferred interest ) because they claim I should have still made the minimum payment to include the late fee, but this was not explained and no disclosure was read at the time. My XX/XX/XXXX statement that 2 more fees had been charged and again, they credited them, apologized for the error and promised this issue would be corrected so that this would stop happening. He promised to note the account so if it happened again, I could call and get it corrected yet again. Again another fee was charged on XX/XX/XXXX. Called again on XX/XX/XXXX and promised it would be corrected and was advised to only pay the minimum payment and it would all cancel each other out and reset to normal for the XX/XX/XXXX payment. Apparently, unless you STILL pay the minimum payment showing on your statement, they consider you late, but no one has ever told me that until now. Called again on XX/XX/XXXX and asked to speak to two different managers NOW IN COLLECTIONS because no one will fix this issue by resetting the minimum payment to what it should be after the credits. I have been told that collections does not have the ability to do that or remove any fees and I need to call Customer Service. Customer Service says they can not help because it is in collections. The collections manager I spoke to last was very apologetic and said that if we were promised this would be resolved, it should have been and he was going to escalate this to the " Concerns '' department and that they could pull the call if needed to confirm what I was told. He said he would try to reach out to CS to see if he could get them to reset the account to reflect the correct minimum payment due so this will stop happening and told me to call back on Tuesday ( today, XX/XX/XXXX ) to see if anything had been done and he would note the account with details. Called Customer Service today-still unwilling to remove any more fees and refused to help with anything. Said minimum payment is inclusive of a " past due fee, not a late fee ''. What is the difference??? Said if not paid in full another fee will be added again. They keep giving me the run around. This company is deceptive and has fraudulent practices. I can see why they had to pay {$220.00} million in 2014 for deceptive practices. Working on getting a bank loan to transfer this balance out of this company.
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| 10/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
Servicemember |
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I have contacted Synchrony Bank multiple times regarding a fraudulent {$100.00} debit from my personal bank account that was made 1 day after I called in and spoke with a representative to pay off my balance on my Care Credit account. This month, a payment in the amount of {$1400.00} was received, as well as an additional payment of {$130.00} which I made via phone on XXXX. On XXXX, I saw that the amount of {$130.00} was debited from my account, as well as an additional amount of {$100.00} from Synchrony Bank. I called Synchrony Bank to find out why there was an additional {$100.00} taken from my account, and the representative stated that they did not show an additional payment was applied to my account, even though my bank had debited my account for {$230.00}. I said that it was taken from my bank account using the same debit card information that was provided, yet it was a separate transaction, and the agent said that there wasn't anything in the system that showed that an additional payment was received.
I contacted my bank that day, and initiated a chargeback for the {$100.00} that was not authorized, and my bank issued a conditional credit to our account. We also requested a new debit card as a precaution, assuming our debit card was compromised. We rarely use our debit card, mainly making ACH transfers for payments on accounts.
Today, I was notified by the bank that there was a reply from Synchrony Bank dated XXXX stating that I did authorize the {$100.00} payment, using the same debit card information that was provided. I attempted to contact the person who sent the letter to my bank to explain how I owed the additional amount, since my account was paid in full on XXXX, which is prior to the close of the statement. The phone # that was on the letter was answered by the voicemail of a " XXXX '' and not " XXXX XXXX '' who sent the letter to my bank stating that the chargeback was not valid.
I left a message for " XXXX '', and then attempted to get some resolution through two customer service representatives this afternoon. This evening at XXXX XXXX EST, I spoke with " XXXX '' who stated that she was an account Manager, and explained the same situation as I had with the other representatives. The agent then stated that I needed to send proof that the money was taken out of my bank account, and I explained that the process for disputing a charge from a merchant originates from the bank and is sent to the merchant, which is Synchrony Bank.
The burden of proof is on your business to show that I owe the {$100.00} that was NOT authorized to be debited from my bank account. As of today, nobody has been able to show proof that there was any reason for this second debit to occur, and your account manager that I spoke with this evening stated that she couldnt even locate anyone in your system with the name XXXX XXXX.
I sent a secure message to Synchrony Bank with the above information that is included in my complaint, along with proof of the debits from my bank account. My bank has requested that I submit further proof that the charge was not authorized, which will be easy to prove since the one payment that was made for the amount of {$130.00} was the only amount authorized, and once that was made, the account had a XXXX balance. I have never been treated like this by a creditor over a fraudulent charge that THEY initiated, and refuse to resolve.
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| 02/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
Older American |
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XXXX XXXX closed my credit card in XX/XX/XXXX or XX/XX/XXXX. I belonged to a credit union that didn't except a mobil deposit until XXXX the next business day. I had made a payment of {$200.00} to XXXX XXXX as I had been doing since XX/XX/XXXX. That's when my first XXXX XXXX XXXX credit card was started. Apparently when my payment came in the credit union rejected it and this happened twice in one year so Synchrony closed my account. Since that time, they have made my life a living XXXX. In contacting them many, many times to try to work something out with them as far as paying off the credit card because the interest was so high I would never get it paid off. They gave me such a hard time, every time I called there that I was getting XXXX XXXX and XXXX in my XXXX They would transfer me from one person to another and the last person they would connect me to I would get a busy signal. So in desperation I opened an account with a XXXX XXXX credit card. I had put in the information from XXXX XXXX because they would have to know why I needed a certain amount for the credit card limit. So when XXXX XXXX issued me the credit card, they also sent XXXX XXXX the amount I owed them ; which was {$6000.00} on XX/XX/XXXX. This was against my authorization because I was " trying '' to work with XXXX XXXX about them lowering the amount for a pay off. " Most '' banks and establishments will come to some kind of agreement on that but not Synchrony. So I told XXXX XXXX they did that without my knowledge so they asked them to send the money back and " I '' also contacted them about just sending {$1000.00} back and then I would have paid them {$5000.00} so it would be cleared up completely. They wouldn't do that and in between all these negotiations, they added {$1100.00} to my account. Between the time they added that amount, they sent me a check for {$6000.00}. They actually sent me " two '' checks for that amount. One was on XX/XX/XXXX and the other on XX/XX/XXXX! I deposited the second check in our account at our new credit union on XX/XX/XXXX and I had to wait 5 days to make sure that check was good. On XX/XX/XXXX I made an online payment to XXXX XXXX for {$5000.00}. On XX/XX/XXXX XXXX XXXX put a stop payment on the {$6000.00} we had deposited in our credit union. This was a deliberate movement on XXXX XXXX part. Our account is {$4300.00} in the RED and has been that way since XX/XX/XXXX! We are waiting for XXXX XXXX to return that payment of {$5000.00} I made to them. I did " not '' know XXXX XXXX had paid them the full amount " again '' without my knowledge. Oh and then " after '' they put the stop payment on the check for {$6000.00}, they sent me " another '' check for the amount of {$1000.00}!!! My son and I are at our wits end with this mess and we can't pay " any '' bills or buy any groceries until that {$5000.00} is returned to our account. It is in process but even one day is too long and it's been 7 days counting the weekend. Synchrony Bank are very underhanded, devious people and absolutely horrible to deal with. I reported them to the XXXX XXXX XXXX in their city but nothing was done about them. So they continue to make my life as miserable as they possibly can. I have everything documented and all the amounts of each month since they closed my account on me. So anything you need I will be able to give you. I pray you can help me with this horrible situation.
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| 12/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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Dear Sir/Madam, I am writing to officially file a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a serious matter involving PayPal Credit , which is serviced by Synchrony Financial. The issue at hand raises significant concerns regarding potential violations of the Uniform Commercial Code ( UCC ), Securities and Exchange Commission ( SEC ) regulations, Financial Industry Regulatory Authority ( FINRA ) regulations, and alleged securities fraud.
The details of my complaint are as follows : Payment Instrument Submitted : On XX/XX/2023, I submitted a negotiable instrument for payment to PayPal Credit in full compliance with legal tender guidelines. The instrument was restrictively endorsed to the company and sent registered mail XXXX XXXX XXXX, accompanied by specific processing instructions, as prescribed by 31 CFR 328.5-6.
Company 's Response and Actions : Regrettably, PayPal Credit has neither applied the payment to the account nor returned the negotiable instrument, which is mandated by law. Furthermore, the company has continued to contact me for payment despite my attempts to rectify the situation.
Adverse Action on Consumer Credit : Adding to my concerns, PayPal Credit has taken adverse action against my consumer credit, which, based on my understanding of applicable laws and regulations, they may not have the authority to do.
UCC Title 3 Violation : In accordance with the Uniform Commercial Code, Title 3, the non-application of payment in a timely manner constitutes a breach of contract. Consequently, the debt should be considered discharged, and my consumer credit should have been updated to reflect " paid as agreed. '' Allegations of Securities Fraud : I suspect that PayPal Credit may have improperly retained the security interest for themselves, potentially giving rise to allegations of securities fraud. Such actions, if proven true, raise significant concerns about the company 's ethical conduct and compliance with federal regulations and securities laws.
Given the gravity of this situation and the potential violations of consumer protection laws, federal regulations, and securities laws, I believe it is imperative that other relevant regulatory bodies be involved in investigating and addressing this matter. Specifically, the Federal Trade Commission ( FTC ), Securities and Exchange Commission ( SEC ), Financial Industry Regulatory Authority ( FINRA ), and Internal Revenue Service ( IRS ) may need to take action to ensure that consumer rights are safeguarded and any alleged misconduct is thoroughly examined.
Despite my attempts to communicate with PayPal Credit and my requests for the application of payment or the return of the instrument, the company has not responded or addressed this matter as of the date of this complaint.
I respectfully request that the CFPB initiates a comprehensive investigation into this matter involving PayPal Credit XXXX Synchrony Financial XXXX to determine whether the company has violated any federal regulations, consumer protection laws, or securities laws. Additionally, I urge the CFPB to collaborate with the aforementioned regulatory bodies, including the FTC, SEC, FINRA, and IRS, to ensure a thorough examination of this matter.
Thank you for your prompt attention to this serious issue, and I anticipate a timely resolution to protect consumer rights.
Sincerely, XXXX XXXX XXXX
|
| 01/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
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In mid to late XX/XX/XXXX, I logged into my XXXX XXXX Walmart credit card account to make a payment and noticed unusual activity on my account and immediately called to inquire. XXXX XXXX opened an investigation/claim into the now disputed items. The account was closed and another account opened with the re-issuance of another credit card. After their investigation, XXXX XXXX concluded that I was responsible for the unauthorized charges which totaled {$1400.00}. XXXX XXXX stated I benefited from the transactions ( see attached ). Given the excessive amount it wasnt something that I could ignore, So I called XXXX XXXX again and was granted another investigation/claim to seek any kind of resolve ; this was approximately mid to late XX/XX/XXXX. During each time a claim was opened my account was temporarily adjusted to reflect a balance minus the alleged dispute amounts. The second investigation required a police report as well as a completed investigation form issued by XXXX XXXX Fraud Investigation Unit dated XX/XX/XXXX, which both were returned by mail on XX/XX/XXXX ( see attached ). The form asked a particular question, The Credit Card referenced Above was ( 1 ) lost/stolen ( 2 ) never received in the mail ( 3 ) account used by unauthorized person but card still in possession ( 4 ) never applied for card? I answered the question as it pertained which was ( 3 ) account used by unauthorized person but card still in possession. This was the most likely event that applied because all other events were not applicable. On XXXX/XXXX/XXXX I logged into my XXXX XXXX Walmart credit card account and noticed a re-adjustment which included the fraudulent charges, I immediately called XXXX XXXX and spoke to a fraud department rep/supervisor named XXXX. She informed me that the reinvestigation concluded once more that I was responsible, but instead of indicating I benefited from the transactions as before, she stated that the credit card EMV chip was used, therefore, I am responsible ; furthermore, she stated that since I indicated on the investigation form, account used by unauthorized person but card still in possession, I was more liable for the transactions. I vehemently explained to her that I was not responsible nor did I authorize the charges and what more do I need to provide to prove so, she said, be more creative, which she apologized after I indicated that it was offensive. She further told me that, there had to be a situation where someone had taken your card used the chip and entered the pin and all of that. I further relayed that the card does not have an established pin. She also indicated that I should go to the merchant to obtain some type of proof that I am not responsible for the transactions. Frustrated and angry, I requested another investigation/claim to be opened, which she reluctantly agreed before the call ended. Following her advice, I called one of the locations of the disputed transactions and was told investigations are handled by the credit card issuer or law enforcement and if records/data is necessary it will be requested by them and there is nothing they can provide me. This event has been very damaging to my credit and has consumed so much of my time. XXXX XXXX has the authority to complete a thorough investigation with XXXX but refuses to do so, instead, they are attempting to force me into paying for unauthorized/fraudulent charges.
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| 12/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had an HSN account through Synchrony Bank.
I signed up for online access and to receive email alerts regarding payments, purchases and notification if a payment wasn't received by the due date. I signed up for auto payments to be deducted monthly from my checking account for this HSN account.
I received a letter from Synchrony Bank dated XX/XX/XXXX that advised that a flex payment of {$7.00} was credited to my account on XX/XX/XXXX and was returned for one of the following reasons : " invalid bank information, unable to locate the bank account provided, the bank account status or available funds of your bank account. '' I received another letter from Synchrony dated XX/XX/XXXX that advised that " Synchrony Bank has decided to close my HSN account based on the number of dishonored payments on this account. '' I'm not aware of any other dishonored payments except this issue.
I received a letter dated XX/XX/XXXX from the HSN Collections Department advising that a total of 2 flex pays were due in the amount of {$14.00}. I immediately contacted HSN and paid the {$14.00} on XX/XX/XXXX @ XXXX XXXX. I asked the representative that took my payment if this would be a negative report of a late payment and she informed me that it would not. Again I was signed up online for all the alerts for issues with the account and autopayment that would deduct my payment monthly. I never received any of these alerts and just assumed that the statement balance on my account would be paid monthly automatically. My statement balance was then {$28.00} and my statement noted that this amount would be auto deducted from my checking account on XX/XX/XXXX. I was worried and not sure why things hadn't worked like they should have by automatically paying my account each month so I went ahead and payed the remaining balance of {$28.00} on XX/XX/XXXX.
In XX/XX/XXXX I applied for a new account for XXXX XXXX also serviced by Synchrony Bank on an instore kiosk. I was declined for the request for credit. I received a letter from Synchrony dated XX/XX/XXXX saying the reason for denial was " Unsatisfactory payment history with Synchrony Bank. '' I mailed a letter to Synchrony Bank explaining the above to them on XX/XX/XXXX. I received a form letter from Synchrony Bank on XX/XX/XXXX that stated : " Thank you for contacting us regarding your HSN Card account. We value your business and appreciate the opportunity to be of service to you. '' " As of XX/XX/XXXX, our records indicate that your account was closed to purchases by SYNCHRONY BANK. '' " Possible reasons for this decision may include, but are not limited to, a lack of recent activity, account upgrade, delinquencies, or the use of a XXXX XXXX XXXX XXXX. '' " Your current balance as of the date of this letter is {$0.00}. As long as there is a balance on your account, you will continue to receive monthly requesting payments. '' " If you have any questions or if we may be of further assistance, please contact us at the toll free number below. '' Sincerely, Customer Service Department XXXX They totally just sent a form letter that doesn't address anything in my letter that I've just explained to you in this complaint.
I do have copies of letters from Synchrony and what I sent them along with a monthly statement showing this activity.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
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| 08/26/2016 |
Yes |
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Web |
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After getting XXXX mail offers from Walmart ( Synchrony Bank ) about applying for their credit card, I finally gave in and applied for the card. After I finished my online application, I got a message saying to contact the XXXX number. It did n't say if I was approved or denied for the card. After I called the XXXX number, I went through XXXX to get the account opened because they had issues with verifying my phone number. Here is what I have a problem with. I answered all the questions that were asked of me, including verifying my social security number, my name, my full date of birth, as well as my home address. She then said that we ca n't seem to verify your cell phone number, so unfortunately we ca n't approve your account. When did it become a requirement for credit lenders to start verifying phone numbers? How can you deny a person based on their cell phone number?
So after talking to a representative and being on the phone for about an hour, they finally approved my account. I was given a lousy {$150.00} credit limit. Today, XXXX/XXXX/16, I called Synchrony Bank to request a credit line increase. Once again, I was asked a serious of questions that I verified correctly and then the representative asked for a good phone number so that she could send me a verification code and verify my information. I gave her my cell number of XXXX, which is the only number that I have. It 's also the number listed on all of my other trade lines. She then advised me that she could n't verify this number so unfortunately, she ca n't process my request for a credit line increase. So basically Synchrony Bank verified my phone number for me to successfully open the account, but they ca n't seem to verify the number to allow me to apply for an increase? I advised her what did she mean by she could n't verify my phone number? She then told me that she ca n't provide me with any more information. I then asked to speak to a Supervisor. The Supervisor was extremely rude and told me the same thing, that she could n't verify my phone number. I then asked to speak with her boss and was transferred to a rude Underwriter. He told me that there was nothing that I could do because they ca n't verify my information. No one was willing to help or explain anything to me.
These type of practices are illegal and are a strict violation of The Equal Credit Opportunity Act. I recorded the phone call once I saw that the conversation with the first representative was going sideways, and because of my experiences in the past with Synchrony Bank. I have never been treated this way by a financial institution before. I have reached out to my legal counsel, and we are in the process of filing a lawsuit against Walmart & Synchrony bank for discrimination and direct violation of The Equal Credit Opportunity Act. I did not want to result to doing this, but I will spare no expense to make sure that other customers are not treated this way. I will be providing the entire phone call recording as well as the names of the individuals that I spoke with to my attorney. I I have also reached out to several major media outlets in regards to the situation, and they have agreed to hear and publish my story. This is not the way to treat your valued customers!
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Email : XXXXXXXXXXXX
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| 05/25/2015 |
Yes |
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Web |
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I have a Banana Republic Credit Card issued through Synchrony Bank. In XXXX I set up an automatic online payment from my bank account. This is my usual form of payment and I had no reason to believe there would be an issue. I chose to pay from my current bank account, XXXX XXXX XXXX XXXX, though a debit card associated with this account. The payment I chose to pay would 've covered the entire balance of the credit card for that billing statement ; {$100.00}. On XX/XX/XXXX my payment was processed however it was drawn from a previous bank account of mine ( XXXX XXXX ). In XX/XX/XXXX I used that account for payment to this credit card, but since that time I have closed the account. Naturally, the payment was returned since the bank account is no longer in existence. On the same day, the same payment was processed through the proper account at XXXX XXXX XXXX XXXX. At this point, all should 've been well. Yes, there was a return payment from an invalid bank account, but there was also a valid payment made. However, lines got crossed and I was contacted by Synchrony and advised that my payment was returned and that I still owed {$100.00} to payoff my account. So, I promptly made a telephone payment with the Synchrony bank rep who advised me of the missing payment. I made this payment from XXXX XXXX Bank. This is where I made an error and should not have believed the Synchrony Bank representative without first checking my own bank account. Upon review of my bank account I realized I had been charged XXXX for the {$100.00} from the XXXX XXXX Account and that I was only credited once on the Banana Republic credit card. The fiasco then started. As I tried to explain this story over and over again with Synchrony Bank I experienced pushed back and lack of understanding from nearly every person I spoke with. I spend an hour on hold with several telephone represntativs and made multiple attempts at online chat sessions. I was finally advised that with my own time and money I would need to fax proof of the duplicate payments from my personal bank account. I immediately complied, and faxed the requested documents. I then followed up 3 days later and was advised all was being processed and that it should be resolve in an additional 4 days. When 7 days elapsed I telephoned Synchrony Bank again. This time I spent another hour on hold and with multiple representatives re-telling the story. After some commitment I was then routed to a supervisor who understood my situation but then the telephone line lost connection. Ultimately, after some attempts and an additional half an our I was finally put back in touch with this representative who claims that she has taken care of the situation. While she has refunded the late fee and interest fee I still am not receiving credit for the duplicate payment {$100.00}. It has been over 30 days since I first contacted and I 'm becoming very frustrated. Additionally, I received notification from Synchrony Bank in the form of a letter, stating that my credit with them has been suspended due to my erroneous payments! I fear this situation may be affecting my excellent credit rating and it was truly not my fault. I have spend several hours of time and resources to rectify this situation and I still find it to be unresolved. I am hopeful that some investigation from CFPB will help to conclude this issue and bring me back to whole. Thank you.
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| 03/23/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Care Credit/Synchrony Bank closed my account because they said it was reported as fraudulent. I opened this account in XX/XX/XXXX. In XX/XX/XXXX I used the card for the first time paying for veterinary services in the approximate amount of {$2400.00}. Since that time, I've faithfully made monthly payments. I recently paid the account in full. When I logged onto my consumer payment portal to verify that the account had a zero balance, the account was no longer available to view or manage. I called Care Credit customer service to inquire why. I was told the account was closed because it was reported by the primary account owner ( me ) as being fraudulent. I did not report the account as fraudulent. There are two difficulties this account closure poses for me. First, closing the account is detrimental to my credit score because it lowers my overall available credit and shortens the average age of my credit accounts. Second, if I am to retain use of a credit card that I can use solely for medical purposes, such as this one, I must reapply for a new account. Again, this is detrimental to my credit score because there would be a hard inquiry and a lowering of my overall age of credit accounts.
Care Credit has accused me of making a call to report fraud. I did not do so. Care Credit 's fraud investigations unit only told me that the account was closed because of the fraud claim on XX/XX/XXXX. The manager I spoke with, XXXX, will not tell me when the call was received, by which employee nor will he share the voice recording made of the call in which the account was reported to be fraudulent. Care Credit 's belief that the account is fraudulent is plainly ridiculous given that I've paid the account for four years and recently paid the account in full.
Care Credit has made other errors in servicing this account. More than a year ago, I noticed that the account balance was not decreasing, even though I was making regular monthly payments. Turns out, a very expensive payment protection service was added to the account. This service was meant to make monthly payments on the account in the event I was unable to do so. However, I never asked for or authorized this service. When I reported it to Care Credit customer service, the accumulated amount paid was, in fact, refunded, but I never asked for this service and I had been paying interest on the balance increase caused by the application of this service.
Also, I subscribe to a credit monitoring service. I received an alert just this morning that my Care Credit account is being reported not as paid in full, but with a balance of more than {$1800.00}. The closing date of this account was much earlier in the month. Why was an updated balance sent in an unscheduled report sent yesterday to the credit bureaus for an account that was supposed to have been closed yesterday?
Someone has made mistakes in servicing my account with Care Credit/Synchrony leading to its closure. I maintained this account properly and am being accused of making a false fraud claim. I would like these errors corrected and the account reopened and restored so that my credit score is not affected. It may be worth noting that I have three other credit accounts issued by Synchrony. All are in good standing, have never been reported late and recent amounts sent to paid off the balance of the accounts were received and applied without incident.
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| 10/14/2015 |
Yes |
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Web |
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I went to the dentist, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX for a cleaning. Was told that I needed a XXXX done. The doctor 's recommended plan of care was to include XXXX on the right side, XXXX since they were so close to each other XXXX The total was approx. {$6800.00} which I said I did not have, not for the XXXX or the rest of the suggested procedures. The dentist mentioned Care Credit Synchrony Bank and said she would do an online application to see if I was approved, which I was. After I left, I decided against returning to them because I did not think I needed the extensive dental-work that was recommended. I have not returned since, despite multiple calls by them requesting me call them to schedule follow up appts. I have since then made multiple payments to Care Credit Synchrony Bank account online, monthly until last month, when I began advising them that because I had only received approx. {$1000.00} worth of services from the dentist and had never returned, I should n't have to keep paying them for services I did not receive or need and that I believed in fact that they should refund me the overpayment above the amount of the service I actually received from the dentist. I spoke to XXXX on XXXX this year then called and spoke to XXXX at the dentist 's office who assured me she would fax the info to Care Credit to get them to adjust the acct. I followed up with her on XXXX after more repeated calls for payment from Care Credit. She advised she faxed the info and an account statement to them and had confirmation of receipt. I keep getting repeat calls from them for payments! Each person says they are documenting in the system or computer but every new person I speak to including XXXX on XX/XX/XXXX XXXX on XXXX, XXXX today XXXX keep saying the same thing. Requesting payment from me!!! XXXX treansferred me to a supervisor XXXX today, who I repeated the same information to and advised him I as disputing the total of the charges and filing complaints with the State 's governing boards accordingly. He said he would file a dispute on my behalf but that it would take 60 days to investigate!!! I spoke to XXXX at the dentist 's office immediately after and she once again assured me and confirmed that she had fax confirmation of the account statement sent to Synchrony Bank. She stated she would go online to their website and check using my account number to see if they had adjusted my acct information and attempt to assist me with this. I have been online and XXXX the company and found numerous consumer complaints re the same issue. They paid their loans or credit lines off in its entirety or in full and are still being charged additional payments, accrued interest etc! This company practices fraudulently and have taken advantage of numerous unsuspecting and nave consumers for profit and appear to have no conscience or qualms about doing so! PLEASE, PLEASE help me and the numerous consumers out there who appear to have no recourse but to settle for ruined credit ratings because of this company. A co-worker I spoke with stated she also has her wages being garnished for dental care XXXX XXXX XXXX XXXX that she has yet to receive!!! Please help us!!! Here is a link to numerous complaints from consumers experiencing or who have experienced the same fraudulent practices with Care Credit Synchrony Bank. Thank youhttp : XXXX? XXXX
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| 05/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Synchrony is a terrible company and has done damage to the operation of my business and to my credit score. They had given me a 2 % cashback business credit card, and I used this business credit card as the daily card for my business purchases. The credit limit was not enough for my monthly purchases, so every couple of days, I would pay off my balance. According to their online user agreement, the payments made on their website would be applied to the balance within 2 days or 48 hours. I am attaching proof of the online usage agreement that states available credit will be updated within two business days of the payment date. I had been using the card for over 6 months, which I was told was a trial period to ensure I was capable of making my payments on time. In fact, I never once had a payment, of over a hundred payments, that was either past due or that was declined. Every payment I made, and there were several every week, were good payments, and the funds were always available. However, Synchrony started holding my payments and did not apply them to my balance, which breaks the Online Usage Agreement. This prevented me from running my business, as the available credit was not being updated and the card would decline when my business partners tried to use it.
I filed several complaints here about this practice, which breaks their own online usage agreement. I was told by a Synchrony executive that they have the right to NOT apply the payments to the account, although their Online Usage Agreement does not say this anywhere. Particularly since every payment I ever made was made with available funding and there was never any issue with my payments, I feel they acted in very bad faith. But, it gets worse.
After holding one particularly payment for ( I think ) 10 business days, I called to have it released, and they refused. I complained here again, and they retaliated by cancelling ALL my Synchrony cards. Five cards in total, all on the same day. I didn't even know that several " store '' cards were backed by Synchrony bank until I got letters saying they all had been closed. The reason they gave for the account closures was " Payment an unusual purchase history on another Synchrony credit account that Synchrony deems may be indicative of future intention not to pay ''.
This is so unfounded that it should be criminal. First, I paid several times a week. I never even had a balance due by the payment date on my invoices, they had already been paid. This is retaliation for reporting their unlawful business practices to the CFPB.
As a result of their retaliation, my credit score dropped XXXX points, from a " Good '' rating to a " Fair '' rating. Again, this damages me personally, and my business. I had to quickly get another credit card to even run my business, since it was suddenly cancelled without any notification at all that it would happen.
Synchrony Bank needs to be held accountable for their unlawful and retaliatory behavior toward consumers. I would love to show how often all my payments were made on my account, way ahead of the payment date, and that every payment went through fine with available funding, but when they cancelled the card, my login no longer worked to be able to even look at my payment history.
I've been told I should sue this company for their harmful and retaliatory business practices, and will consider pursuing litigation.
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| 12/20/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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SYNCHRONY BANK is synonymous with INSANE. PLEASE CFPB do something about this ATROCIOUS entity. I am positive I am not the only one with issues with them!
I am STILL ( yes, complained many times before ) not having payments applied inline with policies or what any RED BLOODED AMERICAN would expect!!!
I have multiple promotional balances. I have been told time and again, plus per their site policies, payments are applied to the MOST RECENT EXPIRING PROMOTION. And furthermore in conversation with Synchrony on many occasions, the LARGEST balance. I was literally told, " we want to apply payments that best serve you and save you interest whenever possible '' I have TWO balances expiring XX/XX/XXXX. My minimum payment was {$25.00}. Paid {$100.00}.
I had a current charge for a book at {$11.00}, that should result in {$88.00} being applied to my BIGGEST balance expiring XX/XX/XXXX.
Instead, {$83.00} was applied to the largest balance expiring XX/XX/XXXX, and {$2.00} applied to the next in line expiring XX/XX/XXXX - which, no I can't really complain as they both expire XX/XX/XXXX.
BUT!!!! Where I ABSOLUTELY have an issue is with your APPLYING {$0.00} cents to a promotion expiring XX/XX/XXXX, AND {$0.00} cents to a promotion expiring XX/XX/XXXX, AND {$1.00} to a promotion expiring XX/XX/XXXX AND {$0.00} cents to a promotion expiring XX/XX/XXXX, AND {$1.00} to a promotion expiring XX/XX/XXXX Just what purpose does applying payment to balance NOT due until XX/XX/XXXX do to benefit my balance ( s ) expiring XX/XX/XXXX??? It ONLY does one thing. Places Synchrony in a MUCH GREATER POTENTIAL whereby a member does NOT pay off their promotional balance in full which then causes ALL INTEREST in suspense to become due and payable. What a payday for you all. To date on the two XX/XX/XXXX balances, there is over {$160.00} in accured DEFERRED interest.
This is a RECURRING scenario with Synchrony. It is not acceptable and should not be tolerated. I know this is a SYNCHRONY INTERNAL ERROR they REFUSE to address. I have this SAME issue with my XXXX 's card that is regretably also issued by Synchrony and it too has promotional balances NOT applied properly.
At the end of the day, YES, I do and will pay my balances in full. However, by Synchrony CHOOSING to apply the payments in any XXXX fashion they so choose, and moreover apply to time period due further into the future, it literally ROBS from the consumer the ability to truly DEFER payments over 6 months. ( or whatever the term ) And NO calling in to make a payment, is simply not a solution to this problem. This is a problem THAT CAN BE FIXED in programing and payment application. In fact, when I called in two months ago in a point of complete exasperation, I had a Synchrony agent ask, " Why do you want to pay that balance now? '' - REALLY?? What they XXXX business is it of an agent why I am paying a balance?
Lastly, and this may be an issue with XXXX, which I have contacted them directly, but when someone buys multiple items in ONE TRANSACTION and then defers the balance, it results in literally as many individual promotional balances as items in the total transaction! So this time last year, I bought about a dozen and half gift cards for XXXX gifts, and I literally was hit with over 24 individual promotional balances!! I'd make a payment of {$100.00} and that was spread UNEVENLY over 24 balances!!! STUPID.
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| 05/08/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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Without reason, BP Credit ( affiliated with Synchrony Bank in Florida ) decided to limit my credit line to XXXX .I questioned their actions and was not given a valid reason within a timely manner. I asked for an explanation as other major credit cards were giving me increases to my credit line. I was not asking for an increase or decrease but their only response was that it had something to do wi th a credit score - I questioned this as XXXX major credit card providers were giving me a higher credit line. In XX/XX/XXXX , I made a purchase using this BP Gas card - They tell me that my transaction/payment is late but then confirmed my payment was in full. I specifically asked them to consider a refund or no late fees as I was told they would be cleared from my account back in XX/XX/XXXX / XX/XX/XXXX . After all of this happening - I wrote a letter to Synchrony Bank informing the bank to close all accounts as I wish to no longer do business with this currupt bank. I pulled my money out of their money market, cancelled other company credit cards affiliated with Syncrhony and then destroyed the remaining half of the credit cards that were in my possession. Once I recieved all my transferred savings from Synchrony, I wrote another letter asking to confirm all accounts are closed. I wish to no longer do business due to theirk lack of concern, no response, and horrible customer service. I was then informed in XX/XX/XXXX that I had a pending balance of XXXX - I tried resolving this matter as I was told it was a late fee. I tried to explain to both Synchrony and the Debt Collector that this was suppose to be cleared from my name. The account is closed as they tried decreasing my credit limit with no response to my inquiry. XX/XX/XXXX - I finally spoke w ith a Credit specialist from their debt collection department only to be told - Let 's try to resolve this issue - Pay the XXXX but this will not guarantee resolution of the other debt. I asked why should I pay for a debt that I was told was a courtesee due to my acting upon the original debt I paid - I tried to initiate all communications only to be ignored and now lied to as I was told my account is closed and Paid in Full I refused to pay since the uncertainty of clearing the debt is unknown. I informed the agent when I closed the account, I was at a XXXX balance and paid in full with no additional charges. This was back in XX/XX/XXXX .
Now, BP ( Synchrony Bank ) continues to bill me for something that I knew nothing abount when my account was closed. They claim to email me - Not even a formal letter other than a debt collector letter back in Late XX/XX/XXXX telling me I have a pending ba lance of XXXX Email is not an official answer - Email me where? You were trying to contact me at what phone number? How is it the debt collector was able to write a formal letter as I received in in XX/XX/XXXX and to include a phone call - but yet, the BP Credit company and Synchrony bank could not do this?? With an established Money Market account and other ba nk accounts on file, Synchrony has/had my information on file - It is not that hard to find someone in the system. Today, XX/XX/XXXX , this is the FIRST letter I received from BP since XX/XX/XXXX showi ng a statement balance and a threat of charging me XXXX / month until pay off.
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| 12/04/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Older American |
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XXXX, SYNCHRONY, AND XXXX On XXXX XXXX, 2015 I won the auction on XXXX, Item No. XXXX. I tried to complete the purchase using my PayPal Smart Connect credit line. I was given the choice ofusing my checking account, XXXX credit or my XXXX XXXX but not PayPal Smart Connect. My PayPalSmart Connect had a credit line available of over {$1600.00} which was more than I even needed tocomplete this purchase.
When I tried the PayPal credit, thinking maybe this included PayPal Smart Connect, I received amessage which I will paraphrase : " This can not be used for this transaction at this time. '' Confused and aggravated, I contacted XXXX. To my amazement, their customer servicerepresentatives could not explain why I was being denied credit from PayPal Smart Connect. I wasembarrassed and contacted the seller who was legitimately aggravated.
I called XXXX again and this time I reached someone who told me that a seller had to be set up to collect from PayPal Smart Connect. I went through a number of listings and nowhere did XXXX indicate that PayPal Smart Connect was accepted for the purchase of any listed item. XXXX and credit cards are accepted and listed and PayPal Smart Connect is not.
In further research I decided to email a number of sellers and asked if they accepted PayPal Smart Connect. Of about XXXX only XXXX said they would accept PayPal Smart Connect and approximately XXXX said they had no clue what PayPal Smart Connect was. XXXX said they would look into whether or not they could set up or they would get an answer for me. Those XXXX never responded.
I decided to file a complaint against XXXX. The complaints were filed with the Ohio Attorney General ( XXXX ), Consumer Financial Protection Bureau ( XXXX ) and the California Attorney General which so far has not responded.
After the complaints were acknowledged on XXXX XXXX, 2015 it was interesting to note that I was finally able to put through the payment for the watch on XXXX XXXX. On XXXX XXXX I received a message and letter from XXXX. The letter noted that the payment was put through and that XXXX is not at fault. XXXX then advised that Synchrony Bank is the company that holds the PayPal Smart Connect lines of credit.
The letter infuriated me but caused me to decide to send XXXX separate complaints naming XXXX, XXXX, and Synchrony Bank. Each of the complaints are being sent to the Ohio Attorney General and the Consumer Financial Protection Bureau. The complaints name XXXX, who should note which sellers accept PayPal Smart Connect ; XXXX which fails to have revealed that the credit line is limited to sellers who actually accept PayPal Smart Connect. In addition, XXXX never notified me that PayPal Smart Connect accounts owned by Synchrony Bank and they also failed to have a staff knowledgeable in the products they manage. I finally learned of Synchrony Bank only after receiving the letter of XXXX XXXX, 2015, a copy of which I have attached.
Imagine the frustrations of sellers and buyers alike when a sale does not go through even though the buyer is told they have sufficient credit lines according to XXXX. ( Please see the attached blogs. ) I personally had to pass on XXXX watches being sold for about 10 % of their value. Each watch had a sales price of {$490.00}. Since they had proper documentation I could have sold them at a minimum of XXXX times the purchase price and made a good profit.
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| 09/14/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Over a year ago I embarked on a journey of cleaning up my credit in preparation of buying a house. I was one of those people ( in my XXXX ) that wasnt particularly savvy about checking my credit or how to increase it. So I started getting familiar with XXXX XXXX, and thats when I noticed two accounts that were in my name that werent mine. One was a credit card through XXXX XXXX, and another was with something called XXXX XXXX for a whopping {$1300.00}. Even though I wasnt credit savvy, I at least knew that I did not own any kind of credit cards during the time these accounts were opened. I disputed them through the online application with XXXX XXXX and the filed it for me. Within a month XXXX XXXX sent me a full report about the details on the account that was opened- and I was able to discover it was an account opened up in my name online and delivered to an address I used to live with my ex-girlfriend- which she actually still lived at. It was then pretty obvious by the fact that all these transactions were cash advances until the card was maxed- that it must have been her doing this. We broke up on very bad terms and unfortunately she knew all of my personal information. So I filed a police report and sent the report to XXXX XXXX. I never received anything from XXXX XXXX though but it was marked as disputed on my credit file. For a year that has been the last of it and I moved on. Fast forward to now- Im in the process of buying a house and these two disputes are still on file. I contacted XXXX XXXX they apologized and handled it without any troubles. The only number I had to contact XXXX XXXX was the credit agency they were working with- XXXX XXXX XXXX I thought maybe they also needed a police report if it looks like the fraud started in the same place. So I contacted XXXX XXXX yesterday- explained my situation and that I was a victim of identity theft that was discovered a year ago- and that I disputed XXXX XXXX but needed more details in case I needed to also file a police report with my dispute. The man I spoke with was beyond rude- and spoke to me in a way I could not believe. He said he thought it was an account I opened up- ran up- and just forgot about- and that he doubted it was identity theft because whomever opened the account had made a few payments. All he would tell me is that it was with something XXXX XXXX and when it was opened. When I said that I dont just open accounts and forget about them- that I have a perfect payment history with three credit cards that I now have- his response continued to be rude. I explained that I didnt even know what XXXX XXXX was- and that Identity theft can indeed include an ex girlfriend who opened up an account fraudulently in my name and was using it. His exact words were, What I think is going on is that youre trying to buy a house and you need this off your report so youre just trying to make up a police report to make your dispute seem legitimate. I couldnt believe what I was hearing. I reminded him that falsely making a police report was a crime- and I wouldnt be doing it unless it was legitimate. I told him I would be filing- and also filing a complaint against his company. His response? Go on ahead but this will stay on your credit report forever. I have since filed a police report in regards to the fraudulent account- and would like it known that XXXX XXXX is horrible to work with.
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| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have now made two attempts to send payment to Synchrony bank and they have both been rejected. They denied the accepted payment coupon/financial instrument for {$4900.00} and {$4900.00}. My most recent attempt for {$4900.00} was sent on XX/XX/2023. I also included instructions for the CFO to apply the principals balance to the principals account each cycle for set off. In addition, I provided my notarized Power of Attorney, granting me the capacity to act as the agent on behalf of the principals account. They denied my financial instrument and told me I received a letter written by XXXX XXXX on XX/XX/2023 accusing me of attempt [ ing ] to avoid [ my ] debt, which is not the case. I informed her of the following in my written correspondence XX/XX/2023, which I have attached, In your correspondence, you stated your account balance is {$4900.00}. The phrase account balance is explicitly expressed, but you also explicitly expressed that ... your obligations under the terms of your PayPal Extras XXXX account, which includes timely payment of debts incurred. Per my contract and your correspondence my obligation is to pay debts, and NOT a positive account balance of credits you are fraudulently demanding to be valid and claiming to be a debt owed. I asked to provided with proof of accounting, an explanation for the adverse action of deactivating my account, and put them on notice of dishonoring my financial instrument.
They have also inaccurately accused me of attempting to avoid my debt, when I in fact provided payment.
On XX/XX/XXXX, I did receive correspondence from Synchrony Bank Customer Service finally acknowledging my notarized Power of Attorney asking for a different version and that I complete a Power of Attorney Certification Form. I faxed a notarized Durable Power of Attorney and the Power of Attorney Certification Form on XX/XX/2023. I also included instructions once again to apply the principals balance to the principals account each cycle for set off.
On XX/XX/XXXX, XXXX Corporate Specialist of Synchrony bank sent correspondence. He did not provide proof of accounting, or an explanation of why my payment was being dishonored and not applied to my account. He just stated You entered a valid agreement with Synchrony, upon signing the application That does not satisfy any of my requests for lawful explanation of a non-acceptance of my lawful instrument, for proof of actual accounting/validation of the debt, verification of the claim against/signed invoice, a copy of the contract, and full disclosure that my credit was created with my signature. They failed to apply my payment and requested I utilize their preferred method of check, debit card, or money order.
I asked to be provided with the reason they considered my payment invalid, made them aware that they were dishonoring my instrument and in violation of 18 USC Code 8. Obligation of other security of the United States. They were breaching their contract ( Federal Reserve Act Section 16 & USC ) as a FDIC member by not depositing my financial instrument.This has placed me in a compromising position of having to risk adverse action of late payments or suspension of service, if I do not abide by the payment option they prefer, which is completely unlawful and violates the following United States Codes : laws ( 12 C.F.R. 229.21 - Civil liability and U.C.C. 3-307,103, and 4-106 ).
|
| 05/07/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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Web |
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On XXXX XXXX, XXXX, I went to Lowes store XXXX to pay my credit card bill in full. I was instructed by the customer service counter to go to one of the checkout registers and make payment there. I handed my bill and check XXXX XXXX written in the amount of {$1100.00} to the cashier to process the payment. After the payment was processed and I was handed the receipt, I saw that she ran the payment for {$180.00}. A manager was then involved and he informed me that I would need to write another check for the {$1000.00}. I did so with check # XXXX. The payment was processed and I was given my receipt. I monitored my checking account and found that both checks were processed by my bank for the amounts as written on the checks for a total of {$2100.00}. Synchrony was over paid {$1000.00}.
I contacted Synchrony on after finding that discrepancy in payment. I was informed to provide with a copy of the canceled checks and other pertinent information by faxing to XXXX. I did so on XXXX XXXX, XXXX and provided the following documentation : 1. Lowes/Synchrony Bank bill 2. Front and back of check number XXXX 3. Receipt for check number XXXX XXXX. Front and back of check number XXXX XXXX. Receipt for check number XXXX XXXX. Synchrony Bank letter XXXX XXXX. Synchrony Bank letter XXXX XXXX. Synchrony Bank letter XXXX I was also informed that the process will take 60 days.
I received a letter dated XXXX XXXX, XXXX from Synchrony stating their records indicate {$1000.00} was applied on XX/XX/XXXX and {$1100.00} was applied on XX/XX/XXXX to my account.
I received my XX/XX/XXXX credit card statement showing a XXXX balance. Where is my {$1000.00}. It disappeared. And it was not given back to me.
I contacted Synchrony again in XX/XX/XXXX. Can not remember the exact date. The basic conversation was there is a XXXX balance and we closed the case. No refund due me. In speaking with customer service agent, she identified the issue and realized I was owed {$1000.00} due to an overpayment. She began a new case for the department that handles such issues. Resolution in 60 days.
I received a check dated XXXX XXXX, XXXX in the amount of {$1000.00}. I deposited the check on XXXX XXXX XXXX.
During this entire process, I have not made want charge to my credit account. Therefore, there is nothing to muddy the waters with regards to my account. The only thing muddying the waters is Synchrony.
I received my XX/XX/XXXX statement and it showed that I owed {$1000.00}. I contacted Synchrony again on XX/XX/XXXX. Spoke with the customer service rep. She recognized the error by Synchrony. Informed me that I would not be responsible for any payment and she would submit the error to the secretive resolution department.
I received the XX/XX/XXXX statement, and it shows I owe {$1000.00}. I contacted Synchrony on XX/XX/XXXX. Informed the customer service rep of the error. She informed me that she will be opening another case, and this time I need to submit my bank account statement that shows the {$1100.00} and {$1000.00} was taken out of my checking account in XXXX XXXX.
I am at an extreme level of frustration. I have contacted Synchrony several times regarding the issue with no resolution. And the department that handles resolutions, evidently has no phone number or staff members names that can be provided to customers. Only a fax number.
I pray that you can help me.
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| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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It's sad and pathetic that Consumers have to now pay to have our credit LOCKED due to agencies andvthe Fair Crefit Act allowing XXXX Companies like Synchrony Bank to pull your credit whenever they want to. I have to now start over saving for my dream home because i lost nearly everything and have had to rebuild my Life after the Identity Theft. This is now the second time Synchrony Bank have pulled my credit without my CONSENT. I paid my Care Credit Card off in XX/XX/XXXX. Synchrony Bank closed the card in XX/XX/XXXX after they checked my credit for the second time without my CONSENT then sent me a letter AFTER THE FACT. A Consumer 's credit should ONLY be pulled if the customer request a credit limit increase or something else and they're made AWARE of it NOT after the fact then you send the customer a letter AFTER THE FACT you already had checked their credit ahead of time. I NEVER requested a credit limit increase and i usually don't with any Company especially after i seen how shady Synchrony Bank Truly is and how they Penalize customers for being a victim of identity theft, paying your account off and on time, and for not using your card unless you have to. We all may have made mistakes in our Lives with our credit but some of us like myself learned from my mistakes and now i take even more PRIDE in having good credit. Agencies like the CFPB and many others allow Companies like this to get away with anything and do nothing to protect the CONSUMERS. XXXX, XXXX, and XXXX are 3 Credit Bureaus that also need to be invedtigated for helping Companies like Synchrony Bank ruin your credit that you work hard to keep in good standing.
On Saturday XXXX i received a letter from Synchrony Bank which i included a screenshot of in this complaint telling me they closed my Care Credit Card account. I paid off my card in XX/XX/XXXX. I've NEVER requested any credit limit increase i only paid the bill once they Prnalized me for being a VICTIM. I ONLY got the card to pay for Medical Needs if my insurance didn't cover something. In XXXX i lost just about everything due to unforseen circumstances that i had no control over and i've had to start all over. I also in XXXX was a victim of Identity Theft. Synchrony Bank then Penalized me for being a victim when i told them i was a victim of IDENTITY THEFT. Instead of working with me like other Companies Synchrony Bank Penalized me by lowering my credit limit on my Care Credit Card from {$970.00} to {$230.00}. The credit limit was so low that i couldn't even pay for the part of my important medical procedure that my insurance didn't cover. Yet Synchrony Bank didn't give one XXXX about my XXXX and a much needed procedure that i couldn't pay the other balance for. One of their agents even laughed on the phone in XXXX when i called and thought it was funny that i was about homeless with my kids. HOW DARE THIS COMPANY!!!!!!
Companies do whatever they want to Consumers because agencies like the Consumer Protection Bureau and other agencies like the XXXX, the FTC, Etc. can care less what these agencies do to us the Consumers. The CFPB and other agencies are simply paid off to make these complaints go away. Companies shouldn't be allowed to simply close an account even if you aren't running up the card nor should they be allowed to check your credit whenever they want to unless you request a credit limit increase.
|
| 07/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Greetings, On XX/XX/XXXX I cancelled my flight with XXXX XXXX and got cancellation acknowledgment email stating that I have full refund of {$2000.00}.
A week later there wasn't any change to the transaction.
On XX/XX/2020 I filled dispute with PayPal Credit and provided all documentation to PayPal.
On XX/XX/2020 I got an email from PayPal saying that they can't complete investigation since I disputed transaction with credit card company.
I found this email to be odd since the only dispute I submitted was with PayPal Credit and no other financial institution. But I let it go since I saw a credit on my account.
On XX/XX/2020 I discovered that PayPal charged me again for {$2000.00} without even notifying me. The agent on the phone told that when they disputed transaction on my behalf with the airline, but no one got back to them and it was the reason why PayPal credited my account. In XXXX PayPal got email from airline saying that the refund is on its way and that is why PayPal charged my account again. A week later no refund was issued and I got an email from PayPal saying that I'm responsible for minimum payment due for that amount ( even though they send a notice saying I'm not responsible for minimum payment due until they make final decision on my dispute ). PayPal also reported that amount to credit bureau. So I had to file dispute again on XX/XX/XXXX. I also called airline to see the status of the refund and they told me I need to reach out to billing department which I did in writing a month ago and no one got back to me.
On XX/XX/2020 I reach out to PayPal credit again and the only thing I keep hearing we are working on it and EVERY single person ( 6 of them ) I talked to in PayPal confirms it is not right, but no one wants to do anything about it ( including supervisors ).
It has been almost 4 months I the only thing I hear from PayPal " we are working on it ''.
Today, XX/XX/2020, I got another generic email from PayPal Credit saying that I filled another dispute on XX/XX/2020 ( which I did not!!!! ). I called them right away. The first agent on the phone told me the dispute was resolved in favor of merchant. I asked where is your official notice with the reason and the person on the phone couldn't answer the question.
When after 30 minutes I was finally able to get hold of a supervisor ( XXXX/employee ID XXXX ) he told me that the dispute I filed on XX/XX/2020 was NEVER in process. I asked why other agents lied to me when I called twice to follow up since I submitted second dispute on XX/XX/XXXX. He couldn't provide the answer. I asked to talk to his supervisor ( XXXX ) and of course she was busy, etc. So I asked his supervisor to call me back because what they doing to their customer of 8 years is not right.
After that call I called the airline again and they told me that they issued the refund on XX/XX/2020 and it got cleared on XX/XX/2020, BUT I STILL DON'T HAVE money in my account.
PayPal ruined my credit score by few points reporting disputed balance to credit agencies and I spent 7 hours total on the phone ( since XXXX ) trying to clarify all these issues and their confusing emails.
Can someone please look into practices of this bank and investigate why they refuse to credit my money back, ask me to pay minimum payments on disputed amount and keep reseting 60 days investigation period?
Respectfully, XXXX
|
| 09/19/2015 |
Yes |
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Web |
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American Eagle ( clothing company at XXXX XXXX. XXXX XXXX ) ( 1 ) lies to customers about a discount that does n't exist if you open a credit card with them, and ( 2 ) they never send the card so you pay fees. Also ( 3 ) they make up new excuses NOT to process the payment if you find a way to pay without having the card in your hand.
Number ( 1 ) I recorded their employees saying different discount amounts, and then admitting at the register the discount is not such AFTER we already had an argument about that the month before. That means they actively keep doing it. A customer after me ( XXXX XXXX ) was next in line asking for the 50 % discount I was offered too if we got the card, so it was n't just " my hearing ''.
( 2 ) I applied for a card, and the cashier entered seemed not to enter my data in the computer, but the SS number retrieving the information from some credit DB. After confirming it was my address, I got approved the card and paid with it.
( 3 ) Three weeks later I was not getting the card in the mail, so I found the way to PAY anyway online. The process showed " successful '', but I never got an email about it.
Weeks later, no payment reflected in my bank statement, I CALLED them, and they could n't find the account ( I paid online! ) so I wanted to know WHAT ADDRESS they had. Despite I gave all my info and it checked out ( at least the little info that GOT ME INTO THEIR CREDIT CARD did ), no supervisor was allowed to tell me what address was in their system for my SS number ( so they could make up excuses later ). I was ALREADY receiving mail offers from their company since I purchased there before, so they DID have my address, and the cashier processing my application HAD my ID in her hands to check the address and everything.
At the end, I had to give them my real info ( which could have caused a thief reposessing my account with whatever info he wanted ) and they just said " oh, the address was this little letter off only ''. So my info was good enough to get a credit card, access the account and adding whatever I want as " my info '' ( I could have been a thief ), but was not good enough to provide me with the address in file. Finally I asked them to " send me the information that was there '' to my mailing address, the one matching the ID used to apply for the card, so only the owner would receive it, and they said they could n't either.
After they fixed my info, because my account was NOT in their system anymore to pay online, they said I could pay by phone without fees so I did.
Now, I got a letter saying they DID apply a fee ( {$10.00} ) plus interests, which I could have avoided if my initial payment had gone trough properly.
They said ( which seems lies ) : -The credit was approved validating the SS # and my ID # ONLY. No address was required so the credit bureau apparently approved it WITH THE WRONG ADDRESS or no address at all ( I doubt it ) -Because the billing address was wrong, the payment with my debit card was rejected : Lie. their system stated " successful '', and my bank has no register of denied transactions attempted to my card number.
So to summarize it : They went through at least XXXX steps to ENSURE I pay fees, and EVERY step I took to prevent to be abused ( I knew credit card companies change address, miss to send letters, and other tricks to create late fees ) was unsuccessful.
|
| 01/26/2016 |
Yes |
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Web |
Older American |
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Dear consumer finance, I 'm filing a complant against GE Capital Retail bank.
I applied for credit in XXXX when I was at the XXXX in XXXX Minnesota, I needed to have a few fillings the cost was quite expensive, the dentist assistant offered to see if I was eligible for a care credit card, I was approved for {$4000.00}, she explained that it was a medical credit card she there was no interest if paid in full, so I said ok and they started working on my teath, I had quite a bit of work done. I was going over my bills and had noticed different dates for each time I had worked done, and that XXXX of my expiration date for deferred interest had expired, the interest was added on for the whole purchase not for balance subject to interest, I 'd do n't understand, they have on the first page of my bill there 's an expiration date, promotional balance, deferred interest, and it has a Description, Deferred Interest/No Interest if paid in full, and initial purchase amount.
Second page has, balance subject to interest, and they all have different amounts for the same purchase, I 'm not sure of what I am being charged interest on.
I had a purchase on XXXX/XXXX/XXXX {$260.00} promotion date expired on XXXX/XXXX/XXXX, I had gone through all my statements up XXXX and for the same purchase price of {$260.00} the balance is now {$380.00}, so as I was looking over my statements notice they had added interest for that purchase every month, and from my payment that I made they would only deduct a small amount of a dollar or change. I would always pay more than the minimum payment due to try and get it paid off sooner, I was being charged interest and paying interest on top of interest for 28 months, and this is not the only XXXX.
In XXXX/XXXX/XXXX I had a purchas of {$1300.00} and each month up to XXXX/XXXX/XXXX they added 26.99 % to the balance subject to interest it was now {$1600.00}, I did n't know what I could do this was crazy I did the only thing I could do, in XXXX took out a loan and pay it off before I was charged with that interest on top of interest.
I have a regular transaction not deferred the date on my statement is on or XXXX in the amount of {$360.00} as I look over my statements each month be were adding the interest to my balance not subtracting in XXXX XXXX {$370.00} in XXXX it started going down by XXXX it was {$270.00} and then in XXXX it started going up {$270.00} in XXXX it weighs {$260.00} in XXXX of XXXX it was {$230.00} in XXXX was {$240.00} in went up to {$280.00} by XXXX XXXX, I 'm not sure of what happened in XXXX I do n't have any statements from XXXX through XXXX I 'm sure there 's a lot of things on the three years of statements do n't understand also.
I noticed on my statement YTD it has total interest charge of {$180.00} and total interest paid {$87.00} to me that looks like it should be total interest that being charged and paid should be added together because that 's what the charge me that was for XXXX, in XXXX the YTD in XXXX in total interest charged {$180.00} interest paid {$42.00}, my final statement XX/XX/XXXX year to date interest charged {$180.00} and interest paid jumped from {$42.00} to {$290.00} that is something else I do n't understand.
Not sure if you require me to list all of the transactions there are so many, and like I said I do n't have my statements from XXXX to XXXX of XXXX.
Thank you.
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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Synchrony Bank is falsely furnishing information to the credit bureaus in violation of the Fair Credit Reporting Act. I open the account on XX/XX/XXXX, made a first purchase on XX/XX/XXXX and another on XX/XX/XXXX. On XX/XX/XXXX my state of NC went into lockdown ( 15 days to slow the spread ) for the Coronavirus Pandemic. I did not receive a paper statement for XXXX or XXXX. On XX/XX/XXXX, the balance was paid in full thru my bank ( electronic payment ). I researched the payment address on XXXX, provided the account # from the card in my possession, located the amount charged from the bill given to me by my medical provider and scheduled the payment. Once paid, I was started receiving statement from Synchrony thru my bank. Since the account was paid off, I marked them as paid, unsure of why I was receiving them. On XX/XX/XXXX I contacted Synchrony Bank to ask why I was still receiving these statements that claimed I owed them money. The representative indicated that the late fees were a mistake and were then removed along with the interest charges. The representative informed me that they would resend the corrected details back to the bureaus. The bureau still showed late payments for XXXX to XX/XX/XXXX. On XX/XX/XXXX I sent a dispute to XXXX, XXXX, and XXXX regarding the incorrect information. Synchrony Bank still reported the account as a Charge Off and late. I received a letter from Synchrony Bank dated XX/XX/XXXX which indicated they reviewed my account and it was reported correctly. On XX/XX/XXXX I called Synchrony Bank and asked for a Manager. I was sent to an individual claiming to be a Manager. He hung up on me after a brief conversation where I stated that they were violating the Fair Credit Reporting Act and informed me they couldn't help me. I called back a few hours later and recorded the call. I asked for a Manager and was sent to XXXX ( No last name given ) with an Employee # XXXX. On this recorded call, I requested that my so-called late payment be referenced due to a XXXX disaster. XXXX indicated he submitted a request and that I would receive a decision from the banks Manager Credit Services department on my request within 30 days. On XX/XX/XXXX I called Synchrony Bank again and asked the representative that answered if I could speak to Manager XXXX, employee # XXXX. The representative told me they could not transfer me to such an individual. The representative indicated the notes on my account said I asked for this employee several times on XX/XX/XXXX and hung up ( an untrue statement ). I asked 3 times for XXXX, employee # XXXX. I was then transferred to another individual claiming to be a manager. She informed me that XXXX was a call name and then put me on hold to try and find this individual. Upon her return I began recording the call. She stated that she could not find this person and said that she did not know a XXXX or who could belong to the employee # XXXX. I proceeded to state my reason for calling. The manager began reviewing my account with me. After 15 minutes the call was disconnected on the managers end and I ended the recording. Every representative I speak to XXXX.
This is affecting negatively on my credit score and I am trying to buy my first home. This issue is setting me back and I want to get mortgage approval this spring. The way they are treating customers during this pandemic is repugnant.
|
| 11/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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On XX/XX/XXXX, I received an email offer from PayPal to get its PayPal MasterCard. The offer indicated " for the first 90 days after account opening, earn a total of 4 % cash back on purchases when you apply and are approved through this email by XX/XX/XXXX. '' On or about XX/XX/XXXX, I applied for the card, was promptly approved, and received a card shortly thereafter.
I used my new PayPal MasterCard frequently and earned the maximum bonus reward of {$200.00}. While the offer does indicate to " please allow up to 1-2 billing statement cycles after the promotional period ends for your bonus cash back to post to your PayPal Cashback Mastercard account , '' I have yet to receive the bonus and its nearly 4 months after the promotion period ended.
On XX/XX/XXXX, I contacted PayPal MasterCard customer service to inquire about my bonus award. The agent apologized, indicated that it would be investigated and resolved quickly. The agent offered a {$10.00} statement courtesy credit for the delay in providing the reward.
On XX/XX/XXXX, I contacted PayPal MasterCard customer service again to inquire about my bonus award. The service agent ( " XXXX '' ), spoke with his manager, indicated they would send a note to the " Rewards department '' to investigate and that I should hear from someone within 15 days to get my rewards bonus.
On XX/XX/XXXX, I received a form letter from PayPal MasterCard which provided generic information about the rewards program, but nothing specific about my issue. I contacted PayPal MasterCard customer service again to inquire about the form letter and check on the status of their processes. The service agent ( " XXXX '' ) apologized and indicated that the form letter was a mistake. She mentioned that the previous agent indicated I made a charge dispute and it's been resolved, but that's not the issue at hand. I was transferred to a supervisor who admits PayPal makes the offer, but Synchrony ( the bank issuing the MasterCard ) doesn't always get promotional offer details. The supervisor indicated there was no record of which offer was on my account and asked me to upload a screenshot of the promotional offer they sent to me. Sad that I have to provide the company with the offer they sent me, but I did have a copy and was able to do it. The agent commented that if validated, they'll include an additional {$190.00} owed since they already provide {$10.00} as courtesy credit due to slow fulfilment. I reminded the agent that the {$10.00} was a courtesy for their slow fulfillment, not a down payment and that PayPal owed me the entire {$200.00} bonus reward.
On XX/XX/XXXX, I receive an electronic notification that mentions my request has been processed, but doesn't describe any resolution. In addition, the message contained an error in the offer date mentioned.
On XX/XX/XXXX, I contacted PayPal MasterCard customer service again to inquire about resolution. I spoke with a service agent ( " XXXX '' ) who confirmed that the issue has been resolved in my favor and that I should expect to receive the {$200.00} cash back soon. He also agreed that many customers complain that the their letters aren't clear.
It's now XX/XX/XXXX, nearly four months after the end of the promotional offer, and I have neither received written confirmation of the resolution nor have I actually received the promised {$200.00} bonus cash back.
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| 11/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
Older American |
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On XX/XX/XXXX of this year, I went to send {$2500.00} to my son. I had about half of that amount in my PayPal account and bank balance, so I decided to send those funds to him, and to use my PayPal credit account to send the balance to him. When I made the transaction, I clicked on my sons name on the send again menu, and sent the funds in two separate transactions, something I had done multiple times.
The transaction number for the one paid out of my PayPal balance / bank balance was XXXX and was for {$1200.00}. The transaction number for the one paid with my PayPal credit account was XXXX, and was for {$1300.00}.
Transfers of funds like this have always been virtually instant, so when my son hadnt received the funds after a couple days, I began to investigate. I found that the XXXX XXXX who was listed on my send again list was a stranger with an email address I didnt recognize. So the funds from both transactions went to this unknown XXXX XXXX, and not to my son. Again, I have never done business with another XXXX XXXX besides my son. How did this stranger end up on my send again list when I have never done business with him? If this stranger hacked my account, he could have just sent money to himself or a cohort rather than waiting until I tried to send funds to my son.
I scrambled to raise the funds for my son at great inconvenience. Then I got in touch with Paypal. I discovered that since PayPal and PayPal Credit are two separate entities, I was forced to file two separate appeals.
Both of my appeals were evidently successful, as both entities credited my account back the funds in question.
Then, a couple weeks ago, I received notice that my PayPal Credit account was debited the amount from the transaction. When I inquired about this, they said they had credited my account the amount in question while they did their investigation, and that they were now debiting my account again because their investigation had found against me. They mentioned something about me receiving the product I had paid for. Again, this money went to the wrong person because I was dealing with the PayPal site in good faith, believing I was sending again to a person I had never sent to before. I was clearly defrauded, and there was absolutely no product either ordered or received by me.
I then appealed again to PayPal Credit. Evidently they are once again reviewing the case. In the meantime, they are asking me to pay this as part of the monthly billing cycle. I made clear to them that I have no intention of paying for this fraudulent activity. However, my fear is that PayPal will look at this and shut down my account for non-payment.
If PayPal ( proper ) had the sense to see that this was fraud that I should not be held responsible for, how in the world can PayPal credit not see this? Has there been any action taken against this thief who is clearly doing business on the site and is taking advantage of other customers like me? I have been told nothing.
I am writing to appeal to you to right this wrong. I have all of my XXXX payments go through PayPal and do other business on there as well. I do not want to funnel all of those transactions to a competitor as it would be a hassle, and I am otherwise happy with the service PayPal has provided me and my businesses over the years.
Please advise what comes next here.
Thanks for your attention
|
| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On Fed XXXX 2022 I came across a website called " XXXX ''. I purchased a " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX '', With my PayPal credit card. However, To this date, I have not gotten my item. I have tried contacting the seller for more information and no response. I went back onto the website and it is no longer available. I checked the tracking that the seller provided and it said it was delivered. When I went to check for the package there was nothing. I contacted XXXX and gave them the tracking and they said it was delivered to the same city I lived in but with a different name and address. After several attempts to contact the seller with no response, I opened a dispute with PayPal. PayPal took my dispute on XX/XX/2022 for an item not received. I gave them the tracking and told them that the shipping company said it was not delivered to my address and that it was sent under a different name. PayPal closed the case in the sellers favor. I asked PapPal why they closed the dispute in the sellers favor and they said that the seller provided proof of delivery. I asked PayPal to contact the shipper and see where the item was delivered and they refused. On the tracking, it says it was delivered to my city, but when you call to see where it was delivered they say to confirm the tracking number, name and address, they said its not my tracking because it is under a different name and address. After that, I tried to reopen a dispute with PayPal. PayPal refused to reopen a dispute. Then I managed to open another dispute with PayPal credit for the same item and I was able to. I gave PayPal Credit the same information they said that they will try to investigate this further. On XX/XX/2022, PayPal credit closed the dispute in the sellers favor because the seller provided proof of delivery. When I told them that I called the shipping company and that they said it was delivered to the same city but delivered to a different name and address they re-opened my dispute. On XX/XX/2022 they closed the case again because they cited with the seller because the seller provided proof of delivery. The proof of delivery just shows it was delivered to my city that's it, it does not show my name or address. Paypal gave me some documents telling me why the case was closed. I looked at the documents and the seller provided them with a different tracking number and different shipping company. I contacted that company and they told me the same thing that the other company said, that it was sent to a different name and address. PayPal Is charging me XXXX dollars for something I did not receive. I tried several times to call the seller and email the seller and no response. The sellers email is not an active email. It seems like the seller only responds to PayPal. I tried to go back onto the sellers website to see if there is any other contact info i can use and the website is no longer available for months now. So I'm trying to settle this with PayPal. PayPal is being very difficult to deal with, it seems like they don't want to help me. I told PayPal That there is several tracking numbers for one item and that they got a tracking number from a different company than the one I got and they refuse to listen. I also told PayPal to check the website of the item I bought, That its is no longer available and they just don't understand my situation.
|
| 05/30/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
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Synchrony Bank for no good reason closed 8 accounts that I have had for many years. They stated that I was 'high risk. ' See complaint # XXXX.
I was concerned that this would happen, therefore, I took the time to contact their customer service and find out for sure. Synchrony Bank is not honoring their promotion that they advertised to me on their website of zero percent interest.
For several years, the credit limit on this account had been at {$1100.00} - {$1300.00}. It started at {$1100.00} and they increased it without me asking to {$1300.00}. ( I was not a high risk at all - still am not. ) My statement dates of XX/XX/2021 to XX/XX/2021 show the increase credit limit for which I asked during that period and they gladly gave. Just weeks before canceling 8 credit cards.
Specifically, just a few weeks before they chose to close my account, they made this offer of XXXX percent interest. It was for either 6 months or one year. I was aware that I wanted to make a larger purchase and use this promotion. Therefore, when I made the very last purchase on my Amazon credit card from Synchrony Bank, I made the purchase with the expectation of it being a 'promotional purchase. ' All of my purchases on that Amazon store card received 5 % back. The order was placed via Amazon website on XX/XX/2021 for {$1500.00}.
Their letter to me stating that they were closing all credit cards is dated XX/XX/2021. See previous dispute for a copy of that letter. Therefore, I did not receive the letter for days after XX/XX/2021 as it was sent via mail. There was no notification to me when I made this purchase on XX/XX/2021 that my account was closed on the website and, obviously, the credit card was not declined. Therefore, in good faith, I made that purchase on THEIR credit card and they need to honor their agreements.
Thy INCREASED my credit line - otherwise, I would not have been able to make that purchase. They advertised to me a promotional special. Minimally, there's a 5 % payback on all purchases if I chose not to take that promotional offer. My next closing date was to be XX/XX/2021 and, therefore, I had 3 weeks to decide if I would take the 5 % interest or the 6 - 12 months XXXX percent interest.
I also had a rewards credit of {$2.00} on my last statement prior to this purchase ( statement end date XX/XX/2021. ) The current rewards amount listed on the statement with the end date of XX/XX/2021 is {$81.00}. HOWEVER, now that they have canceled my credit card, there is no option of crediting that amount to my bill.
Synchrony Bank does not get to do this to me. They will honor their promotions with me after I have spent the last DECADE paying them on time, consistently. I would prefer to be done with this bank as soon as possible. Therefore, I will be paying the balance in full rather than opting for the 6 - 12 month XXXX percent financing that I was considering.
By XX/XX/2021, they will be receiving a payment from me of {$1500.00} which represents my ending bill of {$1500.00} minus the rewards credit of {$81.00} and I will consider this account closed and paid in full - as they should also considered it.
I will attach my last three statements to this complaint as a means of showing the rewards amount and - very interestingly - how recently they increased my credit limit 300 % just weeks before they deemed me a 'high credit risk. '
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| 08/11/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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I had a prior issue with Synchrony Bank ( SB ) wherein a representative disclosed to me by telephone, for my High Yield Savings ( HYS ) account, the annual percentage yield ( APY ) and the interest rate ( APR ), but that then a different and lower interest rate was paid on my savings account. This event was verified subsequently by SB though a ( telephone ) call review, and SB paid a concession credit to my account.
In part to receive documentation of the current rate, I requested an account disclosure for the High Yield Savings account from SB on XX/XX/XXXX. I received instead a single-page letter, which would more properly be called an account statement for my own account, only giving the account ownership, account number, account type, date of account opening, current account balance, and the annual percentage yield, noting that the information was accurate as of the date of the letter. See the included copy of the letter.
SB did not send to me what I recognize as an account disclosure, which would include both the annual percentage yield and the interest rate, using those terms ( Reg. DD ( XX/XX/XXXX ), XXXX. XXXX ), that the interest rate is variable and may change, the compounding frequency for interest, the balance computation method, a statement regarding when interest begins to accrue on noncash deposits, and any other pertinent disclosures as required by federal Regulation DD. I specifically requested a paper copy of the disclosure, asked for a full account disclosure for this account, and did specifically ask if both the APY and APR would be included. The representative replied, Yes, to that question. Not only was the interest rate not stated in the letter, neither were all of the other parameters, as required by Reg. DD.
SB has changed the interest rate on its HYS account recently at least three times by such a small amount that the APY changes by only 0.01 % or even not at all ( as disclosed and rounded to two decimal places ), and has also published two different figures for the APY for the HYS accountsimultaneouslythat differ by 0.01 %, and has done this on at least two separate occasions. So knowing the actual interest rate gains importance, and their disclosure of the APY seems unreliable. Screenshots are included showing an APY of 4.50 % and 4.51 % ; note the time and date stamps.
I asked again for an account disclosure on XX/XX/XXXX, and received a similar letter, which again did not disclose the required information, except for the APY. I spoke on XX/XX/XXXX with an account supervisor at length, and she did not even know what document SB had available that would satisfy the requirements of Reg. DD, except for possibly their Synchrony Bank Consumer Deposit Account Agreement, which describes most or all of their deposit accounts, and which does NOT include the APY or the APR. I did receive that document when I opened the account, but on XX/XX/XXXX, and on XX/XX/XXXX, I made specific requests for the current account disclosure, including the APY and the XXXX.
Please assist, to encourage Synchrony Bank to recognize and follow standard and required banking procedures more consistently. My request particularly is that Synchrony Bank create, if they do not have one, and promptly provide an account disclosure when one is requested, and to calculate the APY by the prescribed formula to a single, unique figure.
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| 01/31/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Funds not received from closed account
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Web |
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My mother had an online CD account with Synchrony Bank. Shortly after her passing in XX/XX/XXXX, I notified Synchrony Bank and provided all the documentation and they subsequently updated the account profile in XX/XX/XXXX to reflect my name as a successor trustee. Fast forward to one year later in an attempt to close this account and distribute all funds remaining in her estate. Each time I called, they did not have on record that I was the successor trustee until they did further digging. It was very frustrating to have to explain this each and every time as some of the reps would be argumentative that they were still showing my mother as the account holder even though she was deceased, and I had provided her death certificate the previous year.
Even though I have since received the funds that Synchrony Bank was holding, I have NEVER experienced such a long delay in receiving the monies that were due to us by closing her CD account. I feel that there must be some regulatory obligation for a financial institution to release these funds in a timely matter. It took an unreasonable amount of time ( 6 weeks ) from the time I had a fax confirmation ... and potentially an additional 2 weeks for the mailed hard copy to arrive ... which it never did. Apparently, the preprinted address on the envelope was wrong and the post office did not have a forwarding address so XXXX returned the mail to me which I did not receive until XX/XX/XXXX. When I inquired Synchrony Bank told me they changed XXXX XXXX XXXX in XX/XX/XXXX. That is a whole different issue which I feel should not have happened.
In the end, I received the funds but I feel this delay needs to be reported to a regulatory agency as it seems extremely unreasonable to have to wait in excess of 42 calendar days for a financial institution to close out a CD account and I wasn't sure who could help me during that time.
Here is a record of my call log to Synchrony Bank : XX/XX/XXXX XXXX PST - contacted Synchrony Bank to initiate closing a trust CD account. Was advised to call back to trust dept since they were closed.
XX/XX/XXXX XXXX PST - spoke to XXXX and was provided forms to complete and have notarized for distribution of funds. The only acceptable method to return the notarized forms was either by mail or by fax.
XX/XX/XXXX - Completed forms, took to a notary and mailed to Synchrony Bank in a pre-address stamped envelope provided by Synchrony Bank.
XX/XX/XXXX XXXX PST - contacted Synchrony Bank XXXX verify if forms had been received... no record of forms.
XX/XX/XXXX XXXX PST - contacted Synchrony Bank XXXX verify if forms had been received... no record of forms.
XX/XX/XXXX XXXX PST - located a fax and received fax confirmation of successful transmission.
XX/XX/XXXX XXXX PST - spoke to XXXX who confirmed paperwork had been received but could not provide an ETA other than the standard 7-10 mailing days.
XX/XX/XXXX : XXXX PST - spoke to XXXX again who stated that the check was being issued and I needed to give it another week for it to arrive.
XX/XX/XXXX XXXX PST - Called to find out the status and was transferred to XXXX in the Beneficiary DepXXXX. She also could not give me any additional information other than everything was in order and they were incredibly backed up due to the holidays.
XX/XX/XXXX - finally received a distribution check via XXXX dated XX/XX/XXXX.
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| 07/03/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I have a credit card store account with XXXX XXXX that is with Synchrony Bank. I've had this store card for about 4-5 years and have had this on reoccurring debit for the payment since a month or two of originally obtaining the card. I've never been late. However, on XX/XX/XXXX, I changed my reoccurring payment amount from the minimum payment to a payment of {$100.00}, which is more than my minimum payment to help reduce the principal balance faster. This is in addition to reducing it by {$1000.00} with a balance transfer from another credit card that has a lower interest rate in XX/XX/XXXX. My credit line availability was {$3000.00}. When I changed my monthly payment amount, I wasn't notified that the change could take 30 days. I didn't think of that at all because it didn't take that long to change my banking information for the payment in XXXX/XXXX of this year. It took that information change immediately. Since the system didn't process my payment, I was charged a late charge of {$25.00} and my credit line was immediately reduced to {$100.00} above the credit card balance. I called Synchrony and they said that it was because of my outstanding credit card balances. However if that was the case, they would have lowered my credit line sometime in the last 2 years because my balances did become high. I'm in the process of payment my debt down. I paid off my car and have been making extra payments on my unsecured debt, thus the higher payment on this card. They just informed me that they pulled my credit on XX/XX/XXXX, but didn't make a decision until XX/XX/XXXX to decrease my credit line, but then again didn't mail a letter regarding that until XX/XX/XXXX. Since their system didn't auto debit correctly when I increased my monthly payment, I was charged a late fee, which they have refunded. However, I'm more concerned with the fact that they lowered my credit line and therefore dropped by credit score even further ( after I've paid them down 33 % in XXXX and making more of a monthly payment which I did prior to what I was told the date of decision was on XX/XX/XXXX ). If the law regarding reduction of credit isn't helpful it should be changed. I would have understood if the decreased my limit at some point in the last 2 years, but they didn't. They decreased it after the 1st late payment, which was their error and they refunded the late fee. I'm trying to reduce this debt and others to improve my credit and I've NEVER been late on this account since it was established. I would think that there should be a time period between them actually pulling an updated credit report ( whether it's a soft or hard hit to the credit ) and making the decision. I know this an automated process so why did it take in excess of 45 days for them to mail a letter form the date of them pulling my credit. And it just happened to be after a late payment, which was their error. I can provide a history of reoccurring payment on this account and where I immediately made a payment when I realized the reoccurring didn't process correctly. I realize this is a big company/bank and they are connected to XXXX, but that shouldn't matter when consumers are actually trying to reduce debt and improve their score. Again, it would be different if they'd have done this in the last 2 years because my credit card debt has been high throughout that time period as well.
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| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I the XXXX woman have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL AND MAIL. The Trading with the ememy acct. By Franklin D. Roosevelt XX/XX/XXXX1933 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10 ... I the XXXXXX/XX/XXXX woman demand thaXXXX XXXX XXXX XXXX XXXX send the proof of where the companies have VALIDATED these accts. As they have stated they have done as told to these credit bureau 's listed above XXXX with XXXX said that ( 1 ) XXXX XXXX XXXX # XXXX {$390.00}? ( 2 ) XXXX # XXXX {$2200.00}? ( 3 ) XXXX XXXX # XXXX {$1300.00}? ( 4 ) Walmart # XXXX {$0.00}? ( 5 ) IRS # XXXX {$31000.00} said these accts. we're VALIDATED, and the company said they are to stay the same I have not been sent proof of anything and XXXX said he is refusing to send in the request that these accts be VALIDATED he is nasty and rude by law this is my right I asked to speak with his supv. I was told I couldn't and she would call me back named XXXX supv. with XXXX I'm not the XXXX XXXX XXXX e.g XXXX XXXX or XXXX XXXX prove money was given to me as I am the Grantor & Beneficiary of the ESTATE in the case relating to the ALL CAPS NAME I'm not contacting you the credit bureau 's in an Representative Capacity for the Record I reserve all rights at all times, and WAVIE none ever. I'm contacting all 4 credit reporting Bureau 's XXXX XXXX XXXX & XXXX concerning the above issue 's, I'm demanding that these account holders prove they have a VALID CLAIM against me the XXXX man who is the Beneficiary of the ESTATE of the defendant XXXX XXXX I have demanded that these corporations prove these debts by a VALIDATED acct ( s ) that XXXX with XXXX said the accts were VALIDATED that be claiming that I the XXXX woman is THE " XXXX XXXX XXXX e.g XXXX XXXX or XXXX XXXX I now demand for the 6th time to be sent PROOF of these VALIDATED accounts as they stated thet were VALIDATED I need that proof so I can use these VALIDATED claims in my equity court civil claim agaist the above entities to sue as the top have FRAUDULENT Claimed these accounts have been VALIDATED by law they all all DISREGARD ALL CERTIFIED WRITTEN REQUEST I being the Grantor & Beneficiary of the ESTATE will make an appearance in equity court for actual damages in addition {$1000.00} per damages and attorney fees be awarded That is why I'm Now Demanding All Proof be set to me the XXXX woman for the FRAUDULENT ACCOUNTS listed as they have stated to the credit reporting companies the debts all have been VALIDATED I the XXXX woman need that proof ASAP i expect this information to be sent with all updates by email to XXXX and to XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA by certified mail with tracking number and enclose all documents of all accounts as they are all prepaid from the ESTATE send all Original Documents that Show the XXXX woman 's WET SEAL SIGNATURE 'S on all contracts and those contracts will be asking to be presented in Court I demand that All COMPANIES SEND VALIDATED PROOF OF THESE ACCOUNTS THEY HAVE STATED ON THE RECORD BELONG TO ME ( AS ALL ACCOUNTS ARE PREPAID ) I THE XXXX WOMAN XXXX XXXX WITHOUT PREJUDICE UCC 1 308
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| 09/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX at XXXX XXXX PST, I received text notifications asking " Are these Valid '' with a list of charges. When I saw the messages, I replied 'N ' for No. This was XXXX XXXX PST. At XXXX XXXX PST, I called Synchrony Bank to report the fraudulent charges. {$810.00} had been fraudulently charged on my card. It is now XX/XX/XXXX and Synchrony Bank has denied my claim over and over again. Thats two and a half years of denied claims. I have submitted a police report ( multiple times ), phone records, even a witness that vouches to my whereabouts on this day. These are just the major items I have submitted for my claims. The fraudulent charges occurred in zip code XXXX. I was physically in XXXX. After submitting all this, Synchrony Bank does not care to look into this any further. After another denial letter, I asked my witness if he had received a call. Synchrony Bank did not called him. When I called Synchrony about this, they said they are not allowed to contact him.
Since the original claim from XX/XX/XXXX, I have had to reopen this claim every 30-60 days. 2 1/2 years of my time wasted, so far. The most recent interaction with Synchrony Bank is as follows : Today is XX/XX/XXXX. I received yet another denial letter, dated XX/XX/XXXX.
Prior to this, on XX/XX/XXXX, a fraud investigator had left a voicemail asking for me to send a Police Report. I had faxed this in at least two times prior. On XX/XX/XXXX, I faxed a copy of the police report again, in additional to my phone records, which show 2 calls, where the origination is XXXX. On XX/XX/XXXX, I called Synchrony Bank to verify if they had received the fax. Synchrony Bank informed me that it takes up to 72 hours to post faxes into their system. I had already received confirmation from my fax service that my fax was sent successfully. On this date, XX/XX/XXXX, my claim was still open. When I called in today, XX/XX/XXXX, the person said my faxes were not in the system.
If you are following the chronology : XX/XX/XXXX - The fraud investigator called me and left a voicemail to fax in a police report.
XX/XX/XXXX - I successfully faxed a police report and phone records.
XX/XX/XXXX I called to verify receipt of my fax. Case was still open.
The denial letter I received states that on XX/XX/XXXX my claim was denied.
Synchrony Bank 's stance is that I am at fault because the pin chip was used at the time of sale. The card was not physically in my possession. It was at home, on my desk, and it was still there in the same place when I got home, on XX/XX/XXXX. I live alone in an apartment. What are the chances that the building manager, who has access to my unit broke into my apartment, then went around charging things, then broke into my apartment again to put the card exactly where I left it by the time I got home? I would say very slim, improbable. To Synchrony Bank, if the pin chip was used, that is all the proof they need to " prove '' that I am guilty. They are not doing their due diligence in investigating my case. Due to their negligence and lack of timely investigation, video evidence at the stores where the fraudulent charge were made is no longer available. Also, is the pin chip really 100 % unhackable? I find that hard to believe. A quick search online shows many examples of the pin chip technology being hacked, even when in used in conjunction with a pin code.
|
| 11/22/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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Today is my XXXX anniversary living in the U.S., I came to this country with my husband and my XXXX children on XXXX/XXXX/XXXX. My husband submitted a XXXX on the same year XXXX, and we got a recommendation for approval by XXXX XXXX. I was able to issue my social security card after I got my employment authorization document, it was around XXXX XXXX. As a new comer and with lack of XXXX skills I was n't aware of the Identity theft cases that are very common in this country, even though I had learned from my husband how to protect my SS number from potential ID stealers.
By XXXX, I received a letter from a Law Firm of XXXX, FL collecting me a credit card debt in the amount of {$6.00} with my name and address. Immediately my husband and I contacted the Law Firm to tell them that it was not my debt and that it has to be an error and an ID theft case, they sent me paperwork to fill and prompted me to denounce this case to the Florida 's XXXX XXXX Sheriff Office, which I did. I sent copies of the complain and paperwork duly filled and signed. Apparently the law firm returned the debt account to the bank which forwarded to a collection agency. This time I had to deal with annoying calls any time of the day all days of the week, it was hard for me due to my lack of XXXX, when my husband talked to them they did not want to talk to him alleging that he was not myself ; my husband demanded proofs of the papers that I had supposedly signed to get such a big credit, of course they were unable to provide such proofs because the credit card was open by somebody else on XXXX or year XXXX when I was not a U.S. Resident, and was living in my country, not even thinking to live here. At some point in XXXX somebody stole my Identity, and made his/her way to transfer this Credit card debt to me. The account was sold to another collection agency with very rude callers with whom was totally impossible to speak. One time I was able to get a XXXX operator who told me that this credit card debt dated from XXXX and was charged for a beauty treatment or surgery. It was a case of identity and we did n't know what else to do.
I was not allowed to talk to the original bank to clarify my situation, collection agencies always said that bank had nothing to do with this and that they were in charge of recovery and collect the debt. They made several attempts to reduce the amount and offered payments in installments to set up the account, we did n't agree, this person was n't me. We did not receive more calls after XXXX, thinking that they stopped the attempts of collection realizing that it was a wrong case of ID theft.
What our surprise that today we received a letter from th IRS adjusting my married joined nTaxes of XXXX on the amount of {$6500.00} resulted from a XXXX provided by the last collection agency.
Nowadays, we are U.S Citizens whom know our rights, and we are going to contest this wrongdoing on behalf of the bank and the collection agency until this charge gets dismissed from our taxes.
The Bank and the collection agencies ruined my Credit score, all of my Credit cards were canceled due to the morosity in my credit score.
I want that people pay attention to my experience and go further and beyond to clarify any attempt of identity theft, what I did was not enough, but we will contest this wrongdoing because XXXX and the truth is with me.
|
| 11/20/2016 |
Yes |
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Web |
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Synchrony Bank underwrites my Rooms to Go credit card. I am participating in a 0 % interest promotion for 60 months. In order to qualify for such a promotion, a customer must have a good to excellent credit history. I work very hard to ensure that all of my debts are paid before their listed due dates.
In XXXX 2016, Synchrony charged me a late fee stating that my payment was not processed by my statement 's due date. In XXXX 2016, I was charged another late fee in a higher amount because I did not pay the minimum payment on my XXXX 2016 statement. I received XXXX emails, that went to my junk folder, and XXXX mailed communication stating that no payment had been received, which was false. My issue is, on the statement Synchrony states, " Payment due by XXXX XXXX on the due date. '' My due date for my Rooms to Go credit card is the XXXX of the month. I have an electronic payment sent from my financial institution automatically each month on the XXXX. If the XXXX falls on a Saturday or Sunday, my bank will send the payment out on the Friday before the XXXX. When I spoke to individuals at Synchrony, they stated that it takes 3-5 business days to process payments. In their words, I must ensure that my payment is received by Synchrony five days before the due date listed on my monthly statement. When I asked to find out when my payments have been received by Synchrony, I was informed that I would need a subpoena to obtain that information. I was also informed that it did not matter if I sent a personal check, a check from my bank account, or an electronic payment as they all take the same amount of time to process.
Synchrony is sending out monthly statements that state customers have a specific due date, yet they are enforcing an unpublished policy that all payments must be processed before the stated due date. Because of their unpublished policy, they are assessing late charges and interest and jeopardizing consumers participating in zero interest promotions, which could potentially damage our creditworthiness. As part of our credit card agreement, we must make our payments on time or risk losing our promotional APR and paying an astronomical 29.99 % on large-ticket items.
There is a big difference between receiving a payment and processing a payment. A company can hold on to a payment for as long as they want to before they process it and a consumer has little to no recourse. Surprisingly, when I demanded that the late fees and interest be removed from my statements, Synchrony did this with little to no fanfare. When I asked for documentation of the outcome of our conversation, they refused stating that confirmation would be listed on my next statement. I demanded documentation again and was told it would take 24-48 for them to send me an email. It has been over 48 hours and I am still waiting.
As a side note, my husband is the primary account holder on a BP credit card also financed by Synchrony. For that card in XXXX they charged interest and a late fee stating that payment was not received by the due date. Again, this was a situation when Synchrony had received payment before the due date but did not process the payment for several days.
I now live in fear that Synchrony will enact some other unpublished policy that will adversely impact me and force me to pay an astronomical interest rate on my furniture purchase.
|
| 08/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Back in XXXX I co-signed for an account with Synchrony bank. My co-signor disputed some of the payments and apparently stopped making payments because of those disputes but I was never notified of the status ( I don't believe these underlying disputes -- which pertained to interest being charged when there was supposed to be 0 % interest -- were ever resolved either, although that's not the point of my dispute ). When I was finally contacted by a debt collector I contacted Synchrony numerous times to try and resolve the issue. I spoke with numerous customer service agents and never could get a straight answer ; all of the people I spoke with gave me different and wrong information about what was allegedly owed. Some of the agents indicated that my co-signor did have disputes open and others indicated that there was no such disputes showing in the system. After I noticed that the delinquency continued to show on my credit report I again contacted Synchrony and tried to pay off the balance ( intending to just deal with the underlying dispute later ) because the $ XXXX they said was owed was not worth the hit to my credit, which before this was over 820 points. I provided the representative at Synchrony with my banking account number to make the payment and authorized him to draw it from my account. I later learned that the representative who tried to take the payment missed a digit in my bank account information and so when he entered it the payment didnt go through. Of course he never told me that and I never received notice that the payment didnt post until I kept seeing the delinquency show up on my credit report. I later came to find out that Synchrony actually doesnt let you have two emails on the account, so even though this was impacting my credit and I had tried to make the payment, there was not a system in place for me to find out that the representative made an error. I continued to see the balance due on my credit report and when I finally called Synchrony again to get answers about why this was still showing on my credit report when I thought it had been paid I learned about the representative 's error and that Synchrony had sent the account to charge off status. I called repeatedly to get this fixed and no one would give me answers. I waited on hold for upwards of 45 minutes each time I called, and when I did get through to someone they would tell me they couldn't help me and would need to transfer me to someone else. No one could or would answer my questions. Often times the call mysteriously got disconnected after waiting on hold. I finally filed an official dispute in writing with Synchrony back in XX/XX/XXXX and never got a response -- not even an acknowledgement that my dispute had been received. I followed up again in XX/XX/XXXX and reattached the same letter with a different cover letter and never got a response to that either -- again, not even an acknowledgement despite the fact that I confirmed I sent both letters to the right address. Ive called many times since then, including most recently as XX/XX/XXXX, and they keep telling me that someone will get back to me but they have not. I am an attorney in good standing and have an exceptional credit history, My credit dropped significantly as a result of this and I would like someone to actually investigate my complaints and resolve them. Thank you.
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| 07/17/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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In XX/XX/XXXX, I opened an account for a Walmart credit card ( which is administered by Synchrony Bank ). I was approved for a card with a {$2600.00} credit limit.
On XX/XX/XXXX, I purchased the first half of a season ticket membership from the XXXX XXXX XXXX XXXX in the amount of {$540.00}. I was purchasing the tickets on behalf of my daughter who was interested in tickets to upcoming XXXX tours in late XX/XX/XXXX and XX/XX/XXXX. The money was supposed to be charged in two separate payments ( the second payment would be in late XX/XX/XXXX, also in the amount of {$540.00}.
Several months passed, and I did not receive a bill. I searched high and low for the credit card information because the number on the back of the credit card goes in to a voice mail that includes nonstop advertising and after 20 minutes still did not connect to a customer service representative. I tried to call on a weekend and got a recording that they only accept calls Monday through Friday before XXXX XXXX EST. The middle of XX/XX/XXXX, I received a bill ( my FIRST bill ), which stated that I was 2 payments behind. I was charged 2 late fees for {$35.00} each plus interest. I was very angry, as my mailbox goes to a lock box, and I receive everything. I have worked very hard to restore my credit, and I feel this company never billed me in the first place. I was uncertain, at first, if the XXXX XXXX had not billed me yet since they are for tickets in the future.
On Monday, XX/XX/XXXX, I contacted Synchrony Bank ( again dealing with their inconvenient and confusing, terrible, voice mail system, which bombards you with advertising for XXXX XXXX, etc, etc. ). I spoke to a total of 5 customer service representatives ( in XXXX ) who were for the most part unwilling to help me. Eventually, the last customer service representative removed the fees and told me that they would remove negative reports on my credit ( the fees were removed, but my credit is still being impacted by this horrible company ). I paid a payment, and set up an online account ( which was also very difficult because it took two calls just to get confirmation that it worked as I kept getting error codes while I was trying to set it up with a representative ).
I am still being shown as in default for a bill that I would have paid had I ever received a bill, and my credit limit was reduced to less than the amount owed. I have a {$500.00} credit limit now rather than the {$2600.00} limit I had to begin with.Synchrony Bank refuses to restore the original credit limit.
I believe this company is doing this so that they can raise your interest rate when they report your payment as late. Also, they make it difficult to consult with their company, and they charge outrageous fees. I will be closing this card once the payment is paid in full.
Interestingly, I am receiving offers for credit repair services phone calls on my cellphone now, and I have received late payment notices after the 1st bill ( they consider it my 3rd bill ). I have no problem receiving all of this harassment now that they have put in this status. It all arrives in my mailbox and on my phone.
This company is the worst. I contacted Walmart 's customer service line at their corporate offices. There has been no response to my phone call. This is the card Walmart advertises on their website. It has been the worst experience ever.
|
| 01/01/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2022 received notification from XXXX XXXX XXXX Synchrony Corporate Specialist indicating that my coupon work just like a check is a negotiable instrument and was dishonored due to lacking knowledge of the Uniform Commercial Codes or deliberately violating 18 U.S Code 1341.
XXXX XXXX XXXX COUPONS Definition & Legal Meaning Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached, it is held that they are negotiable and that a suit may be maintained on them without the necessity of producing the bonds. Each matured coupon upon a negotiable bond is a separable promise, distinct from the promises to pay the bonds or the other coupons, and gives rise to a separate cause of action. XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX.
3-104. NEGOTIABLE INSTRUMENT " Negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time 3-603. TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
3-419. INSTRUMENTS SIGNED FOR ACCOMMODATION.
( a ) If an instrument is issued for value given for the benefit of a party to the instrument ( " accommodated party '' ) and another party to the instrument ( " accommodation party '' ) signs the instrument for the purpose of incurring liability on the instrument without being a direct beneficiary of the value given for the instrument, the instrument is signed by the accommodation party " for accommodation. '' 1-308. Performance or Acceptance Under Reservation of Rights.
( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
House Joint Resolution 192 PUBLIC LAW 73-10 ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payments in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy ; and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be XXXX upon payment, dollar for dollar, in any coin or currency which at time of payment is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law.
|
| 08/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
I am a card / account holder with a XXXX XXXX Lowes card. I initially applied for and was accepted for an account that had a credit limit of {$1000.00}. I purchased a fridge from Lowes and had it delivered. I have been making payments every month as required, more than the minimum payment and have not deviated from my payments. I remember a few months back, I was notified that my credit limit went down from {$1000.00} to {$800.00} and there was some petty excuse given about history. On XX/XX/XXXX, I received a letter stating that my credit line has been lowered to {$650.00} now and the excuse was based on a prediction.
You should know that I routinely monitor my credit and account balances. I am in good standing with all my accounts, making timely payments and not ignoring any of them. You are the ONLY " bank '' that keeps lowering my credit line and I find this unacceptable. What are you doing, running my credit every month and making an ongoing determination of my credit line ( on a month by month basis )? I do not remember this being a condition of my application for credit with your " bank ''.
Your consistent and harassing running of my credit is bringing my credit score down and you are using that reduction in credit score as your sole determination to limit my credit line, how is that fair?
I use a live time credit monitoring service which alerts me to scams and inconsistencies on my credit report, so I am aware of all activity taking place on my credit. I have good credit and I resent that fact that you keep reducing my line of credit. If you had checked my actual credit report, you might have seen how many high value accounts which have been completely and totally paid off. Paid off accounts dont just happen, I paid those accounts off over many years. Maybe your bank should consider looking at that before taking harsh measures against someone who works and pays their accounts off.
I am XXXX years old, have a work history over 33 years with various employers. I am vested with my employer and have more than one Government pension in place. I could retire anytime I wish and have more than I could ever spend in a lifetime. I have land holdings, own my home and run several different businesses which I started many years ago. I have worked hard for all that I have so I do not appreciate how I was treated by XXXX XXXX.
XXXX ( who I recently filed a complaint about ) had incorrect fictitious information on my credit report in the form of a delinquent student loan, that SHOULD HAVE BEEN REMOVED. XXXX erroneous information caused me to be turned down for a student loan for my child under the parent plus loan.
XX/XX/2018, I received a letter from " XXXX XXXX '' informing me that they have decided they were closing my account based on " Serious Delinquency '' and they based their decision on information provided by " XXXX '', who we have already established is providing erroneous and false information on my credit report. Now because of XXXX continued failure to remove the erroneous " defaulted '' loan ( which was actually paid off ), I have lost another account. XXXX XXXX has no right to revoke my credit based on the information they received from XXXX since it was all based on information that should have been removed years ago.
When are these people going to be held accountable for their actions?
|
| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I the XXXX woman have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL AND MAIL. The Trading with the ememy acct. By Franklin D. Roosevelt XX/XX/XXXX1933 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10 ... I the XXXX woman demand that XXXX, XXXX XXXX XXXX send the proof of where the companies have VALIDATED these accts. As they have stated they have done as told to these credit bureau 's listed above XXXX with XXXX said that ( 1 ) XXXX XXXX XXXX # XXXX {$390.00}? ( 2 ) XXXX # XXXX {$2200.00}? ( 3 ) XXXX XXXX # XXXX {$1300.00}? ( 4 ) Walmart # XXXX {$0.00}? ( 5 ) IRS # XXXX {$31000.00} said these accts. we're VALIDATED, and the company said they are to stay the same I have not been sent proof of anything and XXXX said he is refusing to send in the request that these accts be VALIDATED he is nasty and rude by law this is my right I asked to speak with his supv. I was told I couldn't and she would call me back named XXXX supv. with XXXX I'm not the XXXX XXXX XXXX e.g XXXX XXXX or XXXX XXXX prove money was given to me as I am the Grantor & Beneficiary of the ESTATE in the case relating to the ALL CAPS NAME I'm not contacting you the credit bureau 's in an Representative Capacity for the Record I reserve all rights at all times, and WAVIE none ever. I'm contacting all 4 credit reporting Bureau 's XXXX XXXX XXXX & XXXX concerning the above issue 's, I'm demanding that these account holders prove they have a VALID CLAIM against me the XXXX man who is the Beneficiary of the ESTATE of the defendant XXXX XXXX, I have demanded that these corporations prove these debts by a VALIDATED acct ( s ) that XXXX with XXXX said the accts were VALIDATED that be claiming that I the XXXX woman is THE " XXXX XXXX XXXX e.g XXXX XXXX or XXXX XXXX I now demand for the 6th time to be sent PROOF of these VALIDATED accounts as they stated thet were VALIDATED I need that proof so I can use these VALIDATED claims in my equity court civil claim agaist the above entities to sue as the top have FRAUDULENT Claimed these accounts have been VALIDATED by law they all all DISREGARD ALL CERTIFIED WRITTEN REQUEST I being the Grantor & Beneficiary of the ESTATE will make an appearance in equity court for actual damages in addition {$1000.00} per damages and attorney fees be awarded That is why I'm Now Demanding All Proof be set to me the XXXX woman for the FRAUDULENT ACCOUNTS listed as they have stated to the credit reporting companies the debts all have been VALIDATED I the living woman need that proof ASAP i expect this information to be sent with all updates by email to XXXX and to XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA by certified mail with tracking number and enclose all documents of all accounts as they are all prepaid from the ESTATE send all Original Documents that Show the XXXX woman 's WET SEAL SIGNATURE 'S on all contracts and those contracts will be asking to be presented in Court I demand that All COMPANIES SEND VALIDATED PROOF OF THESE ACCOUNTS THEY HAVE STATED ON THE RECORD BELONG TO ME ( AS ALL ACCOUNTS ARE PREPAID ) I THE XXXX WOMAN XXXX XXXX WITHOUT PREJUDICE UCC 1 308
|
| 12/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
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It was a new XXXXXXXX XXXX XXXX Credit Card. I had upgraded with a trade-in to a new XXXX XXXX XXXX XXXX XXXX XXXX I used cash, also, but the store set me up with a Loan from Synchrony XXXX for the balance with a minimum payment of around {$270.00} due on the XXXX of each month starting with XX/XX/2022. I had to set the account up myself to have the payments go through my bank. I've never had to do this before. Synchrony uses the credit card number for the account. I used my routing number and included my debit card number attached to the checking account, submitted it XX/XX/XXXX. Payment did not go through as the checking account number was wrong. A robocall came informing me of that fact, asking me if I wanted them to resubmit it. I answered yes, but wised up after that. I spoke with my bank and they told me to use the checking account number, told me where to find it. On the XXXX or the XXXX, I fixed the information in their system. My banks name came up in the account, along with the last XXXX digits of my checking account number with my bank. I had every reason to believe my information was correct. Still nothing was pending in my account. I was trying to get the loan paid off quickly, so my first payment was about 12 times the minumum due.
Customer Service was quick to offer to resubmit my payments. The money was in the account, but nothing was going through. Payments were resubmitted about 4 times, but nothing was being done to correct the problem. I went to my bank on the XX/XX/XXXX. They advised me to speak with a Supervisor or Bank president to get the problem resolved once and for all. I finally was able to reach a supervisor, who changed the information for me in my account and discovered when I had changed it to the correct information, I had accidentally put in one number too many I was unable to see. I was assured the payment was going to go through finally. On the XX/XX/XXXX, the payment went through to Synchrony Bank. I secured a loan through my bank for the payoff amount to Synchrony on XX/XX/XXXX. On Tuesday, XX/XX/XXXX, I went online to pay off that balance only to discover they had closed my account with no warning, no reason. All my payment information was also wiped out. I spoke with an account manager at Synchrony that I wished to pay off the balance. She tried to tell the XXXX payment never cleared either. I had my local bank information open on my laptop and it clearly showed that payment had gone through on the XXXX. I informed the account manager of that fact in no uncertain terms. She took care of the transaction to pay off the balance. It went through on XX/XX/XXXX. I have received 2 notices from Synchrony. One states my JCPenny card through them was closed because I made dishonored payments on other accounts with Synchrony Bank. No. There was a problem with account and finding someone to fix it was a nightmare. The XXXX notice from Synchrony Bank came yesterday, XX/XX/XXXX stating that my account was closed with Synchrony Bank indicative of high risk of failure to pay. It's more like eagerness to resubmit a payment instead of checking the information on the account! They also charged me an extra {$30.00} for insufficient funds. I may not have the exact wording right as my entire account and all the activity on it was wiped out. The money was there, but the information was WRONG!
|
| 07/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
Older American |
|
On XX/XX/XXXX, I called Care Credit to make my {$53.00} payment for my dental bill. I found out my balance had gone up and wondered why so I called and found out that the account had a promotion which expired XX/XX/XXXX. I spent an hour trying to get through to a person and then when that customer service person XXXX could not help me, he transferred my call to " someone '' who could review my account. After an hour 45 minutes no one ever answered. I started the call at XXXX XXXX and hung up at XXXX XXXX.then I attempted another call XX/XX/XXXX, but did not have time to hold. No one ever answers the XXXX # in an appropriate length of time.
That is my 1st complaint. My 2nd complaint is when I asked for some help since I can`t afford to pay {$600.00} ( or I wouldn't have a credit card ) no alternative was provided. Customers are not listened to. I have not used this card at all this year in an effort to try to pay it down, I even had to decline needed dental treatment trying to take care of this balance. I shouldn't have to think that way, but this is how this company treats its customers, they are unprofessional and unfair in the way they treat consumers. My most glaring complaint is that it should be noted there was a consent decree for this very same practice where consumers were ordered by the CFPB to be refunded for deceptive credit practices by Care Credit. My XX/XX/XXXX bill I was charged {$270.00} for a bill that had a balance of {$650.00} in XX/XX/XXXX. That is a 44 % interest rate. The balance is now {$1200.00}. The breakdown for this balance is totally not decipherable.
It shows purchase amount of {$310.00} with a 26.99 % interest rate. And on the next line it shows Deferred interest expired for the amount of {$930.00} this includes the amount of {$270.00} interest that was charged on XX/XX/XXXX.
I reviewed many of my previous bills and they all state it is a fixed interest rate until paid in full. Refer to bill dated XX/XX/XXXX. I had an available credit of {$2400.00} a payment amount due of {$53.00} a month which I have paid on time each month and a interest ratre of 9.99 %. - I am not sure why they changed my terms but I just want my monthly payment and no promo with my 9.99 % interest.
I have no hope that Care Credit will resolve this, after my third phone call today, to XXXX, he could or would not help and transferred me to XXXX, who said I had to place my dispute in writing - she would not take it over the phone. I am very upset at the length of time I have had to spend to do their job. If I worked this way, I would not have a job.
The consent decree states that complaints must be accepted either by phone or in writing and resolved within 30 days. Since they are requiring my dispute in writing, this company is in violation and I want a resolution to that as well as to my complaint. If they are in violation of the consent order, there are funds that can be refunded to affected consumers. I am very much affected.
Please send a response to what can be done to help me resolve this. I don't mind continuing with the credit card as long as they leave it at an interest rate with no promo deferred interest and reverse the {$270.00} charge and any negative reporting to the credit bureau is amended and a copy of the amended order to the credit bureau is sent to me and kept on my file.
XXXX XXXX
|
| 09/05/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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On XXXX XXXX I used my Synchrony Bank credit card for the purchase of white coloXXXX leather sectional furniture, two coffee tables and one console table from Mattress XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX. The delivery and installation service were scheduled on XXXX XXXX and the shipment came in a truck in several big boxes along with two installation service men from the store, they first opened the coffee tables and console table, later on before bringing the big boxes of furniture from the truck to my house, I checked the boxes and noticed that color of furniture was wrong, it was Silver not White then did allow the service installation people to bring the furniture boxes inside my house and immediately called store manager XXXX XXXX and informed about the wrong product delivery, did not accept the delivery and product was returned back to the store on the same day. Although the store installation service men left the coffee tables and console at my house and told me they will come back and collect these, but till now they never came. The following day on XX/XX/2023, I went to store and met XXXX XXXX and asked him to either deliver the right product or refund my credit card, he ignored both options. I gave him three more days as good faith, but the store neither delivered the furniture nor refunded my money, I had four more telephonic calls to the store, and they never acted. As proof you can get the call recordings from XXXX, my cell phone carrier. I informed Synchrony Bank and disputed the charge, at first in XX/XX/2023, Synchrony Bank removed this pending transaction, then I went to a different store and purchased furniture. In XXXX, 2023, I noticed this {$5000.00} change again on my card, I contacted Synchrony Bank again and they opened a new dispute, after XXXX month of investigation on XXXX XXXX, I received a message from Bank which stated dispute was resolved in favor of Mattress XXXX XXXX although I provided all detailed information to the Synchrony Bank, and the Bank letter stated that I'm responsible toward making for a product that I never received from Matters XXXX XXXX,. I asked the Bank with details and documents, Bank provided two documents on the basis of which they concluded this investigation in favor of the Mattress XXXX XXXX ; one document is a signed paper for 18 months monthly which I authorized and second document is a FAKE Furniture Delivery Form, that the Mattress XXXX has forged my signature and date of delivery is stated XX/XX/2023 which is totally wrong as on this date, I was at work all day ; there was no furniture delivery and store made fraudulent delivery form, even that hand wring on fake form is not mine. Actually, the delivery was on XX/XX/2023 which I refused and returned back to store. Mattress XXXX XXXX provided this fake delivery form to claim as if the product was delivered to me in fact this is a serious example of fraud because I have not received the furniture. I contacted Synchrony Bank again and informed of this fraudulent action by the Mattress XXXX XXXX and has asked Bank to take serious actions. After experiencing this fraudulent action, I checked XXXX XXXX XXXX ( XXXX ) and XXXX Reviews that show Im not the only victim of such a fraud, so many other customers have been scammed by this store and informed Bank to look into this matter as well.
|
| 12/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
Back in XXXX of XXXX, I received a late payment for a credit card that I did not originally open from Paypal credit/Synchrony Bank XXXX I immediately checked my credit report and found out that back in XXXX of XXXX, someone had stolen my identity and opened a fraudulent credit card in my name while also charging over {$3500.00} to this card. I took the proper steps to immediately fix the problem; contacted the bank, closed the account, it was flagged as fraudulent and sent to the fraud investigation team-I then of course filed disputes with all three credit agencies to get it removed from my credit report. All three disputes were successful and it was removed from my credit report and I put a credit freeze on my report as well. The issue started with Synchrony bank when they forwarded my claim to the fraud department and the investigation team-no one from that department got in contact with me to ask me for any information to help with the investigation, I wasn't specifically told to file a police report ( spoiler alert ALWAYS file a police report regardless of what they tell you or DO NOT tell you ) I was basically under the assumption the fraud investigation team would handle it and let me know it was going to be taken care of. I asked them to send me the billing statements as they are required to by law if I request them, a few weeks later I recieved what looked to be an affidavit stating that I was a victim of fraud and a form to fill out explaining to the investigation team what happened, the form stated that the investigation could take up to 60 days to complete. Several weeks went by and I was still receiving billing statements from the fraudulent account, by this time they had assigned a new account number to it since there was still a debt on it, by this time it had been well over 60 days and I hadn't heard back from Synchrony bank of what the results were or if the investigation was still going on. It was now XXXX so I decided to contact Synchrony bank and I was forwarded to the investigation team, come to find out they had closed the investigation back in XXXX and my claim was denied. I was LIVID to say the least, one because I hadn't received anything from the bank stating the results which they " claimed '' to have sent a letter and two they closed the investigation supposedly after they sent me the claims form to fill out. They said they would re-open the investigation, and that I should file a police report ( you don't say! ) The reasoning for denying the claim was pretty laughable, considering that I was a victim of identity theft, I believe they stated that it didn't look fraudulent to them because my information matched, name, address, etc and that I had " supposedly '' kept up on the payments over the months-which if you think about it, isn't that what you would WANT to do if you had a fraudulent account going? So as to not get a late payment sent out to your victim 's real address and raise a red flag ( which is exactly what happened and how I found out about the account ) I think their investigation team is a fraud within itself, how do you close the investigation before you even recieve the claims form or even get any type of contact from the victim? Well as of now I have filed a police report and gave them everything I had regarding the incident, hopefully this will be resolved soon.
|
| 10/02/2015 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Older American |
|
My husband had agreed to repay the loan on a monthly installment plan. This particular company has been debiting his checking monthly for the past twelve months in the amount of {$110.00}. We received a letter from the collection company indicating we were not making payments on the loan. I called to inquire as to the status of this account. I first spoke with a young man by the name of XXXX. He was not able to help me so he transferred the call to his manager, XXXX. XXXX explained to me that the letter was a mere formality to notify the customer that the contract needed to be re-negotiated, even though the letter never said anything about calling them to re-negotiate a contract with them. XXXX stated that they wanted more money. I agreed to pay an additional $ XXXX monthly from my separate bank account on a different day of the month. XXXX stated that we could do that and it would be easy enough to set up. To be clear, I repeated, my husband would continue to repay at {$110.00} on XX/XX/XXXX from his bank ( XXXX ) and I would pay an additional {$100.00} on XX/XX/XXXX from my banking institution, XXXX XXXX XXXX. XXXX repeated this back to me, took my banking information and I thought we were good.
On XXXX XXXX, 2015, MY XXXX checking account was debited {$110.00} plus {$30.00} overdraft fee by the collection company.
My husband called the company and spoke to XXXX when I discovered the error two days later. She was confused as to what the problem was because she only saw information for the XXXX account, nothing for his XXXX account. She agreed to pull the voice recording and allow my husband and I to listen to the original conversation setting up this arrangement. The next day when I spoke with XXXX regarding the mistake, he stated that this is the arrangement that I made with him, that the money be taken out of my account on XX/XX/XXXX. I tried to explain that the money was taken out of XXXX on XX/XX/XXXX ; he argued with me and said that was not true. I said to him " Im looking at my account and the money was taken out, plus {$30.00} overdraft fee. '' He told me I was wrong. Then he said, " well that 's the way you set it up with me. '' I said, " No, I did not set it up that way. '' I asked to listen to the voice recording of the original conversation with him. He would not let me listen. He said they do n't do that. He kept insisting that the mistake was mine and he could not do nothing about it. He said my husband authorized XXXX to erase all of our banking records the day before, so he could n't pull anything up to look for the error. He INSISTED that I obviously did not know what I was doing and he could do nothing to try and rectify this error.
He never used obscene language, but his attitude was bad, and he became hostile after I asked him to reverse the transaction. The other employees we spoke to within the company were very nice and did as much as they were allow to do. The manager of this company lied. I set these payments up to clear them as quickly as we could. He originally said it was possible to do it the way I wanted but apparently he was wrong. If he made an error I could have accepted that, but he was very hostile and refused to help me in any way or offer to investigate and call us back. His behavior was completely unprofessional and I could not recommend this company to anyone.
|
| 02/07/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
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I had an IRA maturing XXXX. I requested that the funds be disbursed as RMD as follows : 3 charitable contribution and balance to me via check. I indicated Fed Withhold on balance due me and no withholding on checks to charitable contributions. The following outlines my contact with Synchrony Bank : XXXX email ( via their secured site ) to make requests XXXX email from Synchrony indicating I needed to complete distribution forms form the 4 requests. No other form requests noted in email.
XX/XX/XXXX send forms to Synchrony via snail mail XX/XX/XXXX call from Synchrony that they had received the distributions forms but I needed to complete G-4P form. We discussed the charitable distributions and when over the information contained on those forms. Voiced my displeasure that they had not mentioned forms in initial contact.
XX/XX/XXXX G-4P forms completed and mailed, via snail mail XXXX I email Synchrony to ensure they were processing my request as maturity was XXXX XXXX email from Synchrony that I needed to set up a liquid MMA account before requests could be processed.
XXXX called Synchrony to find out what was going on. " XXXX '' said not sure why letter was send, but she could not locate the forms. Even though I knew that someone at Synchrony had received them from the phone conversation of XX/XX/XXXX. Would I resend via their secured email. She did not indicate that I could only attach 5 documents at a time ; a fact I figured out after many hours of trying to send. However, finally I sent the distribution forms and well as the G-4P forms and received a notice that " email had been successfully sent ''.
XXXX talked with XXXX, no forms received.
XXXX resent forms received " successfully sent '' XXXX received email from Synchrony that made no sense.
XX/XX/XXXX received email from Synchrony that forms had not been received. Sent again.
XX/XX/XXXX resend G-4P forms as they only received 1 or the forms even though all 4 sent at same time.
XX/XX/XXXX talked with XXXX 3 times to determine where the forms were as they had not received even though I had gotten " successfully sent '' XX/XX/XXXX forms still not found ; asked for manager and began talking with XXXX. Explained problems. He would be looking into it.
XX/XX/XXXX left voice mail with XXXX and spoke to him 3 times. Still no forms XX/XX/XXXX XXXX would be sending me a XXXX envelope this day to mail back forms. Also requested I set up Liquid IRA MMA because we were not going to make 10 day grace period before IRA rolled over. I asked XXXX if Synchrony would be waiving any interest penalty as the problems were caused by Synchrony. HE SAID NO HE COULD NOT MADE THAT STATEMENT!!!!!!!!
XX/XX/XXXX Received call from XXXX, envelope delivery to incorrect address would be delivered next day.
XX/XX/XXXX emailed XXXX to let him know delivery indicated incorrect address.
XX/XX/XXXX Another email from Synchrony which made no sense.
XX/XX/XXXX received checks from Synchrony for distribution.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I continue to receive emails from Synchrony indicating they have received my distribution forms but need my G-4P forms. I have tried to relate to them they are a bit late, the funds have been disbursed.
It appears quite clearly that Synchrony 's processes and systems are ineffective, outdated, inefficient, and totally incompetent.
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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1 ) On Tuesday, XX/XX/2021, at approximately XXXX XXXX I proceeded to the XXXX 's Cashier Stand [ at the store # XXXX XXXX to purchase a faucet and its installation for {$220.00}.
2 ) When I attempted a payment with Lowe 's Synchrony Bank credit card, the payment was declined, even though I had " {$0.00} '' balance on my credit card, and a credit line of {$5000.00}. Perhaps, it was an issue with the Synchrony Bank, and I wanted to call and ask them.
3 ) Thus, the cashier [ at terminal XXXX ] advised me what to do. Instead of sending me to talk with customer service at the store # XXXX, where they could call and verify my credit card and available credit, The 'sales # XXXX XXXX '' told me that " There are only two associates in the store now '' and no-one could help me at the customer service.
4 ) However, the 'sales # XXXX XXXX '' associate ADVISED ME TO GO TO ANOTHER REGISTER WHERE SHE, the 'sales # XXXX XXXX '' could help me.
5 ) I assumed that the 'sales # XXXX XXXX '' associate would call the Synchrony Bank and inquire about the status of my credit card.
6 ) INSTEAD, the 'sales # XXXX XXXX '' PUSH ME without informing me that she is placing a NEW SYNCHRONY CREDIT CARD 's application for me at the Lowe 's system. JUST AT THE END OF THE PROCESS, I realized that that was a new credit card application. It was too late.
7 ) Should I be told about, I would never agree to apply for the NEW Synchrony Credit card, as I did not need a new credit, nor I would be approve for another credit.
8 ) Of course, my application, conducted by the 'sales # XXXX XXXX '' associate was declined. The 'sales # XXXX XXXX '' associate never INFORMED ME THIS IS A NEW CREDIT CARD APPLICATION! Synchrony bank " apologize but we are unable to approve your application., and will receive a letter within 10 business days. '' 9 ) AFTER THE DECLINE, I was shocked after I realized that the 'sales # XXXX XXXX '' associate just MESSED UP MY CREDIT [ ANY INQUIRY FOR CREDIT LOWERS MY CREDIT SCORE ]. I felt I was 'tricked '' by a Lowe 's associate and lied! IT WAS THE RESPONSIBILITY OF THE LOWE 'S 'sales # XXXX XXXX '' 9 ) TO INFORM ME ALOUD THAT THIS WAS A NEW CREDIT CARD APPLICATION. INSTEAD, I WAS JUST TOLD SHE, the 'sales # XXXX XXXX '' WILL FIX THE PROBLEM.
XXXX ) AS A RESULT OF HER MISINFORMATION, AND WITHHOLDING THE TRUE INFORMATION, I HAD to use my LAST MONETARY RESOURCES/ other credit cards to complete my purchase " XXXX # XXXX on XX/XX/2021 at XXXX p.m at the store # XXXX ''.
11 ) THIS WAS ABSOLUTELY UNNECESSARY, if LOWE 'S ASSOCIATE CONNECTED ME WITH THE SYNCHRONY BANK AND CHECK MY AVAILABLE BALANCE. THUS, LOWE 'S 'sales # XXXX XXXX '' associate MISLED ME to apply for a new credit.
10 ) THE INFORMATION OF HOW MY SYNCHRONY BANK 's CREDIT COULD BE MADE AVAILABLE IMMEDIATELY to me WAS WITHHOLD FROM ME by the 'sales # XXXX XXXX '' associate.
11 ) I LOST " % 5 OFF '' MY PURCHASE price, which is provided daily to all Synchrony credit card holders at Lowe 's.
12 ) I am finacially affected by the customer service neglect and a wrongful information by Lowe 's associate/s. My credit score will be lower with minimum 20 points and stay as a record for the next year, and a record at the Synchrony bank.
13 ) The 'sales # XXXX XXXX '' should inform customers ALWAYS when they, the associates suggest applying for a line of new credit.
|
| 09/23/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
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I purchased a sofa and love seat from XXXX XXXX XXXX back in XX/XX/2017. I paid {$1000.00} cash and financed approximately {$1900.00} through XXXX XXXX.
The furniture were delivered in a defective condition, and XXXX XXXX did in fact acknowledge that the furniture were defective and promised to exchange them. However, every time I had an appointment with the merchant to deliver the furniture, it was always an issue. Either that they had too many deliveries that day so they could not deliver my furniture as scheduled, or they changed the time usually at the last minute. Due to work and other obligations, I was not able to accommodate the last minute changes. XXXX did everything to prevent the exchange from happening, but on paper they made it look as though they are trying. Having wasted several days waiting for XXXX XXXX to deliver the furniture, I decided that I would not continue to waste my time. As such, I gave XXXX an ultimatum that I needed a set time for delivery of the furniture. XXXX countered with a two hour time frame instead of the standard four hours. I agreed and we scheduled yet another delivery, but again, XXXX failed to deliver the furniture as agreed. I went back and forth between the local store and corporate office until I started experiencing XXXX and XXXX. Therefore, I decided to just accept the four hours time frame and cut all ties with XXXX. So I scheduled a delivery a few weeks ago, but the time frame was once again changed at the last minute. I could not accommodate the changes as I had other obligations.
After waiting for XXXX XXXX to contact me in order to get the furniture delivered, I decided to follow-up to set up the delivery. To my dismay, I was informed by the corporate office that the furniture could not be delivered as it was no longer active. The manager that I spoke with promised to investigate the issue and get back to me to schedule delivery. To date, she did not call back.
Therefore, I contacted Synchrony a few weeks ago to see what could be done to force Ashley Furniture to exchange the defective furniture. I explained the situation to the Synchrony representative just as I explained it here. However, I received a letter from Synchrony two days ago, stating that the investigation was concluded and there was " no billing error, '' and that it ruled in the favor of the merchant. Along with this decision there were billing information as well as a picture of my home. This is appalling as I did not dispute the charges nor the initial delivery of the furniture. I opened the dis put because XXXX XXXX has acknowledged that it delivered two pieces of defective furniture to my home, and agreed to replace them but failed to do so. As a result, Synchrony had the option to force XXXX to take corrective action but failed miserably to do so. Further, Synchrony also stated that XXXX has been trying to reach me but was unsuccessful. This is absolutely false as I'm the one who has been chasing XXXX. No one from XXXX has reached out to me to resolve the issue. How can you accept what XXXX has told you without anything to substantiate it?! NO ONE CALLED ME. It can be argued that Synchrony has no interest in assisting me since I have paid back over {$1400.00} from the {$1900.00} balance, and they're still billing me for the {$560.00} that is outstanding. Absolutely awful!
|
| 12/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I sent a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX for Gap Visa dated XX/XX/XXXX received and signed for on XX/XX/XXXX regarding a claim that I had an account with them that was {$480.00} past due. I formally put them on notice with that letter that I was disputing such claim and asked for validation of the debt bearing my signature. On XX/XX/XXXX, I ordered a new credit report and can confirm they did not furnish the three ( 3 ) major credit bureaus with the required disclosure, within the period required by law. As required by law, a creditor must place a " notice of dispute '' on an account within 30 days of dispute, as such they have violated FCRA Section 623 ( a ) ( 3 ) and/or FDCPA Section 8079 ( 8 ) by not placing the disclosure within the required 30-day time period. My most recent credit report dated XX/XX/XXXX shows that this alleged account of mine has still not been marked as disputed and is in clear violation of the law. On XX/XX/XXXX I received a reply from XXXX XXXX that was nothing more than a letter stating that according to their records an account was opened in my name on XX/XX/XXXX and the debt was considered valid once the account was opened and subsequent transactions were made on the account. Accompanying the letter was a screenshot from someones computer with my name and additional information blacked out and copies of statements dated XX/XX/XXXX-XX/XX/XXXX but no contract bearing my signature which is the only legal means by which a debt can be validated. On XX/XX/XXXX I sent another certified letter ( XXXX XXXX XXXX XXXX XXXX ) which was received and signed for on XX/XX/XXXX reminding XXXX XXXX that they failed to place a " notice of dispute '' on my credit file and were in violation of FCRA Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day period. It is my belief that XXXX XXXX is in willful non-compliance as per responsibilities of furnishers of information to consumer reporting agencies, [ 15 USC 1681s-2 ]. On XX/XX/XXXX I received a letter from XXXX XXXX stating that they have reviewed the account record and believe they are reporting it correctly and would not be making any changes to it. They did not provide any supporting documentation bearing my signature that this is my account as required by law. On XX/XX/XXXX I sent another certified letter to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) received and signed for on XX/XX/XXXX as a final good will attempt requesting validation of debt and if they were not able to do so, the item must be removed from my credit report to remain in compliance with FDCPA article 807, False or misleading representations [ 15 USC 1962e ]. On XX/XX/XXXX I received a letter from XXXX XXXX enclosing more copies of statements and notice that they have marked their records to reflect my inquiry as being closed. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, XXXX stating they are a collections agency for XXXX XXXX and there is a debt in the amount of {$2300.00} that is owed. I never received a letter from XXXX XXXX stating that this alleged debt was sold to a third party collection agency, another violation of FCRA. I have not responded to the letter from XXXX XXXX XXXX but will be sending them a demand letter for validation, as I have XXXX XXXX but to date has not been able to provide such.
|
| 11/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American |
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Dear Sirs, I am a XXXX XXXX XXXX American citizen.
A few months ago, I received an email inviting me to do an online survey, and as a reward, I would be given XXXX products for free. The only thing I would pay is the shipment.
I chose a small food processor, made of XXXX, that never worked, and I had to throw it.
The other item was a box of low-quality tools, also made of XXXX. I never used it, and it is still sitting on a shelf in my workshop.
I have been charged about XXXX dollars shipment!!!
I was obviously frustrated and promised myself to never fall again to the online surveys of scamming companies.
A few weeks later, I received a bill from Synchrony bank charging me {$58.00}, and {$80.00}, I do not remember the cents!
I called XXXX to find out where these charges came from! After being transferred here and there, and wasting lot of hours on the phone, re-explaining what happened, to every person I have been transferred to, I finally got someone who told me that I need to call Practitioner Stationary, a warehouse retailer located in California. I called and asked an agent where these charges came from!
He told me that I have been charged {$80.00} for a {$2000.00} dollars online credit that was sent to my email address which was a lie because I had never received anything like that.
Regarding the other charge of {$50.00}, he said that it was the cost of an online gym software!! By the way, being a low-income senior citizen, with special needs, my XXXX XXXX XXXX XXXX me to go to XXXX gyms, totally free.
I told the agent to immediately refund me the money to avoid reporting this Practitioner Stationary to the CFPB, FTC, and FBI. He hurried and refunded me the money.
I thought that this bad experience was over, but I was wrong. I started receiving bills from XXXX and Synchrony bank nonstop claiming fabricated charges of $ XXXX ; $ XXXX, and lately $ XXXX I called XXXX to report these fraudulent charges, and asked them to cancel my credit cards, and XXXX XXXX, at once.
But it was to no avail. They kept my XXXX credit card active, and kept receiving these ghosts bills I called again and again, very frustrated, and a XXXX agent told me that I do not owe anything, and at the contrary, XXXX owes me {$33.00}. They sent me a cheque number XXXX, dated XX/XX/2023 and I cashed it. But again, it wasnt over. They kept sending me bills. I tried to ignore them.
But, after I have applied for a limit increase with my XXXX credit cards : XXXX and XXXX, my request was denied, despite my excellent relationship with these institutions. Thats when I suspected that Synchrony bank had reported me to the credit bureau, ruining my score credit Besides, I have never bought anything from XXXX, and I challenge this company to show me any receipt or purchase agreement for the charges they pretend that I owe them.
I am exhausted and stressed out by these companies and their foul play and the crooked merchants they work with. I count on your kind assistance to STOP XXXX and Synchrony, and the messed up, incompetent foreigners they hire to DESIST FROM HARRASSING me with nonstop emails claiming this and that By the way, and after I told them that my legal name is XXXX XXXX, they sent me a credit card using my Aka name XXXX XXXX, as XXXX, and this added more hassle and hours of time waste.
Sincerely, XXXX XXXX
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| 07/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I was approved for a line of credit with Amazon ( synchrony bank ) for {$500.00} in XX/XX/XXXX. In XX/XX/XXXX & XX/XX/XXXX I purchased three XXXX stating they were unlocked and could be used on any network provider and they were refurbished in new condition with a 90 day return policy because I was an XXXX XXXX member.
Upon arrival, I attempted to connect the phones on the XXXX XXXX, purchasing a sim card. I was told they were not set up to function on their network. I then purchased a XXXX network sim card and attempted to connect. No luck. I then took the phones to XXXX and asked for assistance. They said that the phones were connected to XXXX but would need to be set up on pre-paid service only. I then took the phones to XXXX in person and discovered the pre-paid plans were more costly than monthly family plans. I set up one phone to try out the network and gave the other to my child to use as a wifi phone for games. I made payments on my credit card as agreed. I then was ready to get the other two phones on service plans when the batteries would not hold a charge. I purchased a replacement battery and tried with all three phones to no avail. All three phones then no longer turned on at all and one of the batteries imploded in the phone and cracked its screen. I reached out to the seller for return policy and to XXXX for return direction. The reply was that I was 5 days outside of the warranty period and they would not accept the return. I have emails to prove this occurred. Defective merchandise was given to me and no return allowed. XXXX stated that they could not assist because the seller was its own business within the site and they do not represent the seller. I had never purchased with credit through XXXX before. They did not provide recourse to the credit and poor service. I disputed the credit charges stating that I was provided faulty phones and false advertising and should not be responsible for them. None of the phones worked on the networks stated and none of them worked within 3 months. I did not make any additional payment on the credit card after XX/XX/XXXX.
The date of breach ( charge off ) would be XX/XX/XXXX, 90 days from the last payment in XX/XX/XXXX.
In late XX/XX/XXXX, I began receiving harassing phone calls and letters from XXXX XXXX XXXX. They stated they owned a debt from Synchrony bank in the amount of {$750.00} that was effective XX/XX/XXXX. I provided a dispute response stating that the amount and date of effectiveness is incorrect. They sent me a letter showing the last payment received was XX/XX/XXXX and that the total amount above the due amount was due to late fees. I then created a dispute with XXXX, XXXX, and XXXX against the XXXX XXXX XXXX claim as of XX/XX/XXXX. The claim still shows status : " in dispute. '' Every time they call I tell them that they have the wrong amount due and date of breach. They do not respond, they simply hang up.
Today I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX is suing me in civil court and provides a case number. The letter states if I do not respond, I may get a judgement against me, wage and bank account garnishment, or property lien. I researched the claim number on the letter and it is a speeding ticket case in local court that is not tied to me. The claim that I am being sued is not real.
|
| 08/23/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
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This is regarding synchrony bank ( holder of the store card for Amazon.com ) : First it will help you to know how I use this card and why I think what happened doesn't make sense. I have an amazon card ( through synchrony bank ) I use it primarily for the promotional purchase ( deferred interest ) quality and I frequently put items in my cart and wait for my purchase value to hit one of the promotional value so that I can obtain differed interest- I am retentive about when my promotions are coming due and I try/succeed in paying off my values each time ( or so I thought ), I make 2-6 payments on a average month so I am in my account all the time. Sometimes I make a one off " urgent purchase '' but I just adjust the amount I had planned to pay in order to pay everything off as to not accrue interest b/c I was doing some requested research by my financial adviser I opened my bill and was surprised to be greeted with an amount that was accruing interest.. There is a $ XXXX amount accruing interest ... 'WOAH, what?! from where/when? ' So, I reviewed every bill I have access to & I can't see why this is happening but I notice something else as well - the amount that is accruing interest seems to be going UP.
So last night at XXXX PST on XX/XX/19 I call Synchony Bank and I ask them ... 'So, I see that I am accruing interest on my account and if I owe it I am glad to pay it but can you help me understand what is causing this to happen? ' I explained how I pay a crazy amount each month to manage/maintain my card so that I can continue shopping when I need/want with no interest and how/why I utilize this card.I was on the phone with them for more that 2 hours and at the end of the call that could not definitively advise me WHEN I made the purchase that resulted in interest ... so at the end of the call after he tried to get me to at least 2 managers that would not talk to me the resolution was basically to " send ME all the bills and let ME figure it out. Several times during the course of the call I requested/recommended that they refer my account to an in house audit group to check when the interest baring purchases took place and verify that interest is applying accurately to my account : that did not happen.
So at the end of my call I now have TWO major concerns : The first is based on my understanding of the 'consumer protection act ' after a two plus hour phone conversation they could not definitively prove to me/show me or even tell me when/where I started incurring these interest baring charges and it is my understanding that if a debt holder can not tell you/prove to you PROVE to a court or otherwise when/where HOW you incurred an interest baring debt then it is a noncollectable debt.
But in calling about this I discovered a bigger potential problem ... besides not being able to prove to me that the debt was owed my BIGGER concern is that I don't think that the payments are being applied to the accounts correctly. What lead me to this belief/discovery as I was looking at my bills over the last several months dispute paying several and repeated payments the amount that is baring interest actually is going UP. And I really don't understand how THAT is happening either and through no fault of there own the gent I was speaking with could also not explain why or how that was happening.
|
| 12/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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|
On Tuesday XX/XX/23 I dropped off a package to USPS. Maybe an hour or two later after I dropped off the package, I received a text message that said they could not send my USPS package and needed my credit card info to return the package.The text message had a link to click on and asked for my name, my address, phone number, and email address. Because I had just sent a package earlier in the day I thought this was a legitimate text from USPS and clicked on the link on the text message and put in all the required information. I entered my name, address, phone number, email address and entered my Synchrony Bank TJX rewards master card information.
Two days later on XX/XX/23 at XXXX, I receive an email from DICKS Sporting Goods saying I just made an online purchase of {$980.00} for items I never bought and never authorized. I immediately called the number on the back of my TJX rewards mastercard to report the unauthorized charges and to close my account and send me a new credit card. At XXXXXXXX XXXX that same night, I receive another email from DICKS Sporting Goods saying the items are ready to be picked up. And at XXXX I get another email from DICKS Sporting Goods saying the items were picked up. I NEVER bought the items online, authorized the charge on my credit card for those items, or picked up the items purchased on my credit card that night. I was home and did not leave my house at all that evening.
When trying to figure out how my credit card information was stolen and used, I remembered the odd text I got two days earlier from what I thought was USPS. I reviewed the text and realized the text was from an XXXX email account and NOT from USPS. It was then that I realized this text was a fake text and a scam that unfortunately tricked me into putting my information.
My fraud claim from the Synchrony Bank Fraud Investigation Unit had been denied multiple times even after I called to appeal the decision and sent them copies of the emails I received from DICKS, a picture of the scam text message, and an explanation of what happened. I received a letter from Synchrony Bank Fraud unit saying my fraud claim was denied because the items were shipped to my address, and that I authorized, participated in, or benefited from the purchase. I now have to pay {$980.00} for items I NEVER authorized and items I NEVER picked up or received. According to the emails I received from DICKS, A XXXXXXXX XXXX baseball bat and a XXXX XXXXXXXX XXXXXXXX XXXX was purchased with my credit card and my name, address, email address were used for the online purchase. I would NEVER purchase those items.Ii do not play baseball and no one i know or in my family does. And i have NO IDEA what a XXXX XXXX XXXX is or what it does. I would NEVER purchase these items. I do not trust that in the future, if my card is stolen and used, that Synchrony Bank fraud unit will do a proper investigation and fear that I will owe money for fraudulent charges again. For this reason, I have canceled my credit card account. I am disappointed in their decision, as I have had this card for many years and never missed my payments.
I do not believe I should have to pay for items I did NOT authorize from my credit card. I will also not be using or recommending any future credit cards from Synchrony Bank if this issue is not resolved.
|
| 02/12/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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Purchases were made on XX/XX/XXXX, then returned in the store on XX/XX/XXXX, during this time they were doing returns differently than normal because of covid restrictions, I had to hold the items tags up for them to scan and then place them in a box and I was told they would email me the receipt for this return. I never received the credit for the returns, went back into the store on XX/XX/XXXX to speak with someone in person because when I called the stores customer service line they said that because it was a store purchase and return they could not help me. I spoke with a " manager '' named XXXX who was able to see in his system that the items had been returned and were not eligible for a return because it reflected in the system that they were already returned on XX/XX/XXXX. He said the sales audit team would have to do a little research and he would have them call me, he took down all my information. I never received a call, and when I called the store a couple weeks later they said XXXX no longer worked at that location and they referred me to their 800 number customer service. So I filed a claim with Synchrony Bank XX/XX/XXXX and provided them all these details. They said they conducted an investigation after several months and the merchant provided further proof so they would be re-adding the charges to my account. I called them in reference to this letter and asked to see what proof was provided by the merchant, they were not able to answer that for me and suggested I reopen the fraud claim. I did just that and provided the same details as before, after a few weeks I received a letter requesting via fax or mail more details in writing, I submitted these to the address within 2 days of receiving the letter, a few weeks passed and they closed the dispute because they did not receive my response, I called them back immediately and explained that I mailed those in as requested ( This was on XX/XX/XXXX ) they apologized said it was probably a mail issue and to please login to their online account and upload the letter I mailed in through their secure message center. I did that immediately and received a response thanking me for submitting those and they would be in touch. Then on XX/XX/XXXX through their online message center they sent a letter saying they had received additional documentation from the merchant to support the merchant in the claim and to please see attached. The attachments were not from the merchant they were the documents I had sent in for the dispute originally. The letter provided a number to call if I had any further questions. I tried to call this number, and it says because of covid they have limited staff and instead to call the number on the back of my card and then the call disconnects. I then called the number on the back of my card, they can not provide the documentation as they state they do not see any being sent in by the merchant and my only recourse is to continue to dispute the transactions. The merchant can not help me due to the length of time that has passed according to the stores, and the bank refuses to help advocate or assist me in trying to get further information from the merchant. I continually get disconnected when trying to speak to the fraud department at Synchrony, and recently had them close my account without verbal authorization.
|
| 02/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Weve used the credit card for several promotional interest free purchases in the past several years. I thought the payments that I was making was being applied towards the interest free promotions but recently found out that is not an automatic transaction. From that point forward, I made payments, waited for the check to clear my bank and then I called customer service to have the payment applied how I wanted it applied. I look at the credit card statement every single month and have spoken to many representatives over the past few months. The call that I placed on XX/XX/XXXX was the first time a representative advised me that there is a minimum due on another promotional purchase. This particular purchase was originally approximately {$17000.00} in XX/XX/XXXX. The promotion is interest of 7.99 % until paid off. The statement clearly states UNTIL PAID OFF. The statement does not say anywhere that there is a minimum amount that has to be applied to that balance first and the statement does not say what that minimum amount is. I have had enough of confusing statements and my promotions expiring so I have stayed on top of my recent promotion purchases. I made a call to customer service in XXXX to have the latest payment applied, I was given a payoff amount for each payment and made that payment in XXXX. I was shocked to see that my XXXX statement included interest, even though I had made every attempt to get it paid off on time. I called customer service and the representative told me that if I made a payment of {$220.00} plus {$220.00} that would satisfy the mimimal due on the promotion of XX/XX/XXXX as well as the two purchases of XX/XX/XXXX. Without the payment by XX/XX/XXXX, we will be charged interest on the interest free promotion. I made a payment on XX/XX/XXXX in the store and it cleared the bank yesterday. I called customer service today to ask them to apply the payment so that it pays off the interest free promotions. The representative informed me that I had other promotional interest free promotions that the payments was applied to instead of the ones I had wanted it to. I was told that if I make an additional {$120.00} payment by XX/XX/XXXX, they can apply that payment to the upcoming expiring interest free promotions.
This is an ongoing issue. XXXX bank is unable to send me a printout of how the payments are allocated. The terms are not found anywhere on there statement, other than the current balance, original price, date of purchase and when promotion expires. I can not find anywhere on any statements where it says how much of a minimal amount is due on the fixed pay reduced APR promotion of 7.99 %. The statements are confusing and customer service representatives are also confusing. Not to mention, I dont understand why I have to contact them monthly to have payments applied. This forces me to spend too much time attempting to avoid interest and then I find out that all my time doesnt matter, they just want more money. My minimal amount due on XX/XX/XXXX was supposed to be {$280.00}. I sent a check for {$450.00} and now they want {$120.00} more. Needless to say, I find this all suspect and confusing. I think they should be forced to do a better job in writing to inform consumers how much the minimum is due on the promotions and how the payments will be applied.
|
| 12/30/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I've had an Amazon card with Synchrony for approximately five ( 5 ) years and I have never missed a payment. I specifically got this card for the rewards points it offers when making XXXX purchases.
Recently, on or about XX/XX/20, I tried to make a payment to my account using the wrong account number. I saw the payment did not go through, and tried again ( using the same account number ). Within a day of making my second attempt at payment, I realized the wrong account was used and used the correct account to pay an amount ( around {$1000.00} ). This payment would have essentially brought my account balance down to {$0.00}. Notably, my minimum payment due would have only been a round {$30.00}. I also called a customer service representative to make sure everything was ok and he told me to rest assured, my card would be temporarily frozen but fixed within a few days. Within a few days, the {$1000.00} was drawn from my account. A couple days after the {$1000.00} payment, Synchrony unilaterally closed my card in its entirety.
Thereafter, I called Synchrony, explained the misunderstanding and what their representative told me. They replied that there was nothing they could, because the wrong bank account was used twice for payment they automatically hat to close my account ( despite withdrawing {$1000.00} from the right account before doing so ). Customer support said I had to speak with billing. I begrudgingly spoke with billing and they told me they believe the account should be reopened, because it wasn't as if I intentionally used a wrong account and the payment using the correct account was processed almost immediately after the erroneous one. I spoke with customer service one more time and was assured there was nothing they could do.
When speaking with customer service, they told me that they would have reported the closed account to XXXX. I told them this was very frustrating as it would hurt my credit score, and asked that they explain the misunderstanding to XXXX. They supervising representative I spoke with refused to do so. I asked if they could tell me the specific department at XXXX they contacted, or a specific representative from XXXX that they spoke with regarding my closed account, so I could at least contact XXXX and explain the misunderstanding. Again the supervising representative I spoke with refused. I ultimately had to file a dispute with XXXX ( and I uploaded all the supporting documentation that led up to my dispute, showing I did nothing wrong and I have never missed a payment ).
Now, after all this, my card reflects that I have a balance of {$270.00} and that I accrued {$95.00} in XXXX XXXX ( for using the Synchrony card, the whole purpose I applied for this card ). I am unable to apply the XXXX XXXX to my current balance using the Synchrony phone app or the Synchrony website. I called customer service again this morning and, incredulously, Synchrony will not let me use those points I accrued because they unilaterally closed my account despite no missed payments and what was a clear oversight. Synchrony basically induced me into using their card, with promises of cash back, and then closed my account and will not offer me the cash back that I earned under the agreements of the card. These practices are unconscionable, predatory, and in bad faith.
|
| 08/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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As part of the XXXX credit card cash back, XXXX operates a cash back shopping portal. Using the XXXX button, a software extension for a web browser, you earn a cash percentage of your purchases made when activating the button. This is then transferred to your credit card partner, XXXX XXXX, in quarterly points payments.
I made many purchases using XXXX button XXXX through XXXX, all were credited to my XXXX Earnings Balance. I also received an email confirmation after each purchase confirming the cash back amount for the specific order, example Great New! You just earned {$25.00} Cash Back. XXXX {$25.00} Order Number XXXX Online Order Date XX/XX/XXXX. All orders were listed on the Shopping Trips page of the XXXX site, listing date, merchant, shopping trip # and had a Check Mark next to Cash back indicating Cash Back was earned on the purchase.
Cash balance was scheduled to be transferred to XXXX XXXX on XX/XX/XXXX.
On XX/XX/XXXX, {$1200.00} cashback for 51 orders was deleted from my balance.
No notification was given. Per the terms and conditions account adjustments can only be made for returns and cancellations none of these orders were returned or canceled.
I contacted XXXX via their web site help system. XXXX in member services replied there was a limit of {$2000.00} in purchases per month, and the cash back would not be awarded.
This limit was not in effect at the time of purchase. It is also not specified, and still not listed when using the XXXX button, which is how I made the purchases. Even now, using the XXXX button you are not notified of any limit and in fact receive a notification cash back is earned.
XXXX replied, XXXX will contact the store to verify the order, and will reply in 45 days.
I explained this order was already verified, I received an email confirmation from XXXX, it was listed on the XXXX Shopping trips on my account, and I also forwarded a copy of the receipt for all orders. No response from XXXX.
XXXX has announced they are closing their business on XX/XX/XXXX.
This seems like an attempt circumvent paying out the cash back owed.
Per the terms and conditions, purchases between XX/XX/XXXX and XX/XX/XXXX will be paid on XX/XX/XXXX.
I am owed an additional {$1200.00}, XXXX points, for purchases before XX/XX/XXXX that were credited to my XXXX account and then removed without notification or justification. My account currently lists XXXX points will be transferred to XXXX XXXX on XX/XX/XXXX, the correct amount is XXXX. Please transfer the correct amount.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/15/2016 |
Yes |
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Web |
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In XXXX/XXXX/XXXX I purchased XXXX tires from Discount Tires in the total amount of {$370.00}. I was offered by Discount Tire a rebate promotion if I will apply for a credit card ( which I later came to know as by Synchrony Financial XXXX where the purchase of {$370.00} will be charged. I filled up a credit card application provided by Discount Tire and then and there submitted it to Discount Tire. I wrote my complete address ( including apartment number ) in the application form provided by Discount Tires and it was only later that I discovered that Discount Tire did not include my apartment number in my address. Discount Tire then instructed me to WAIT FOR THE CREDIT CARD AND BILLING BEFORE PAYING SO I WILL KNOW HOW MUCH AND WHERE TO PAY. I did not, however, receive the credit card or any billing statement until I forgot about this account. Sometime in XXXX/XXXX/XXXX, my loan officer informed me that I can not qualify for the loan I was applying for because I have a very low credit rating. On my prodding, I was informed I have XXXX unpaid credit card charge in the amount of {$500.00} from a purchase from Discount Tire ( which was in the amount of {$370.00} ). The following day XXXX/XXXX/XXXX I went to Discount Tire to inquire on what happened since I never received any credit card or billing statement. Discount Tire called Synchrony Financial so I can talk to them. I was informed by Synchrony that the credit card and all billing statements are with them because they could not deliver them because of error in my address. When I asked them what attempt was made to contact me since my telephone number and address is with their promo partner Discount Tire. I was told Synchrony made no other attempt other than mail because it was supposedly my obligation to contact them. When I offered to then and there pay, I was informed that my account was sold to XXXX XXXX on XXXX/XXXX/XXXX and that I should now settle it with XXXX not them. In the meantime, Synchrony had already destroyed my credit rating which disqualified me from the loan I was seeking when it reported my account to the Credit Bureaus despite the measly amount thereof ( {$500.00} ) and lack of any serious attempt to contact me for payment ( even without the apartment number, my house could be easily located by simply inquiring from the apartment complex administration office ). I now realized that the omission of my apartment number and lack of effort to locate my address may have been intentional and malicious in order for Synchrony to charge interest, knowing fully well that I will immediately pay the credit charge if presented to me ( until then I had unblemished credit history ). SINCE I NEVER RECEIVED THE CREDIT CARD OR ANY BILLING STATEMENT FROM SYNCHRONY OR DEMAND TO PAY FROM SYNCHRONY, I WAS NOT IN DEFAULT, SUCH THAT THERE WAS NO FACTUAL OR LEGAL BASIS FOR SYNCHRONY TO CHARGE INTEREST IN THE AMOUNT OF {$120.00}. SINCE I WAS FORCED TO PAY THE AMOUNT OF {$500.00} JUST TO BE ABLE TO IMMEDIATELY SETTLE THE ACCOUNT FIRST WITH XXXX XXXX XXXX THEN WITH XXXX XXXX XXXX XXXX ( I ALREADY PAID THE FULL AMOUNT TO XXXX XXXX ON XXXX XXXX, XXXX AFTER GIVEN THE RUN-AROUND AFTER MY OFFERS TO PAY ), SYNCHRONY MUST RETURN/REFUND TO ME THE AMOUNT OF {$120.00}. AND REPAIR MY CREDIT RATING WITH THE CREDIT BUREAUS TO WHICH IT REPORTED ME.
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| 04/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 11/05/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
Servicemember |
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In XX/XX/XXXX, I applied for the XXXX XXXX Credit Card. My purchase was over {$2500.00}. I was approved for 0 % interest if paid for in 1 year. My credit score was excellent at over 740. Every month since then, I have made my payments on time. Last month ( XX/XX/XXXX ) I was going to pay off my card so that I did not get hit with the interest charges. As I was going to pay, I noticed a little drop-down menu where I can see any transactions on my card. I noticed that I was GETTING CHARGED INTEREST this entire time at 27 % WHAT?!?!?! I then called customer service and the customer service was great. The person agreed that it was a mistake on their end and was going to refund me the total amount of interest charges. She double checked to make sure that I was supposed to get the promotional APR and confirmed that I was supposed to get it. The total amount of interest charges is {$550.00}. I was also told that I should not worry about paying off the card because they were going to give me an extra year of 0 % interest. I was also ensured that it would reflect on my XX/XX/XXXX statement. I was very impressed with this solution. It is now XX/XX/XXXX, and the refund was not applied. I am also STILL BEING CHARGED INTEREST. I called customer support and it was a horrible experience. I am not sure what happened, but it was not the same experience that I had the first time. I spoke to an XXXX man who seemed confused and unwilling to help. I explained the situation and he put me on hold for almost 20 minutes. When he answered the phone, he said that I will be receiving a letter that tells me if I can get a refund for the interest charges or not. WAIT, WHAT?!?!?! I am surprised at this severe lack of communication and the incompetence of this company. I then ask to speak to a manager. After waiting for only 5 minutes, I am connected to a manager who immediately sounds irritated that she has to answer the phone. She answers by saying " I understand you have questions about the current promotions that are going on. '' I say " no ma'am, I am ... ... THEN SHE HANGS UP THE PHONE ON ME. I was left confused and shocked. I then immediately called them back and was connected to someone who sounded nice and was patient enough to listen to my explanation of the entire situation. She informed me that I am entitled to that refund of interest charges. She then checked the promotion from last year and said based on the amount I spent, I was entitled to 2 years of no interest. I was glad to hear this at this point I do not trust this bank at all. She told me it would take 1 to 2 billing cycles for me to see the charges refunded. At one point in the conversation, she offered me to take XXXX dollars which would be applied to my account within 48 hours in place of the refund which may take 60 days. This has got to be the shadiest bank I have ever dealt with. I declined respectfully and said I wanted what was rightfully mine which was a refund of the fraudulent interest charges. I then asked how I can know for sure that I will be given what is owed to me and she said that the nice person I talked to in XX/XX/XXXX did it wrong. She was insisting that she made a mistake in finding a resolution to this issue. Now, I am writing this report after a horrible experience with a bank that is not doing honest business.
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| 07/22/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX XXXX, 2015 I took my puppy that was XXXX weeks old to the emergency vet in XXXX California due to the dog getting attacked by another dog I was told by the doctor that the puppy had a cut inside his mouth that needed to be stitched up and had to be put under for the procedure I was first told by the doctor that the puppy jaw was not broken I I asked how much would this cost staff gave me an estimate of low-end dollar amount XXXX on the high-end {$3000.00} XXXX said it would all depend on how much work they have to do for his repair I did n't have the money so they said I could apply for credit so I asked my son to apply for the credit we were told by staff at the vets office that they charge the care credit company on the high-end dollar amount first due to the fact if Dr. has to perform other procedure on the animal that I would already been approved and only charge the low-end dollar amount and not be approved for the high-end dollar amount we were also told by staff at the vet that this was standard procedure and not to worry about the charge of {$3000.00} that if the doctor does not have to do anything extra at the vets office give the credit to the care credit acct. I left to go home I left my puppy there for them to repair the wind two hours later I received a call from the doctor stating that my puppy was worse than he thought at first that he had a XXXX that the XXXX and the puppy would not even be able to eat Dr. also stated that if you try to repair that it would cost {$17000.00} now I chose not to perform the surgery and to XXXX I was devastated the next day I received a phone call from the vet that I would be credited for the services due to the fact I chose to have and will XXXX approximately A month later we get a bill from Synchrony Bank that we owe {$3000.00} for the surgery performed on my XXXX we disputed the charges due to the fact the puppy with me was XXXX that there was nothing performed one week later we get a letter from the bank that they did their investigation and they find no fault because they received a letter from the doctor that we have not disputed the charges. I wrote the bank and inform them why would I dispute when I was told I was getting a credit and the charges were only known about when we receive phone call from the bank. I was showed a bill and charges the Dr said they performed on the puppy I. Those services where not preformed I Pointed out I was charged for a wound repair there was no repair because the puppy was XXXX I also informed the bank of all the other charges that was not performed but I 'm being charged. I gave the bank copies of charges that the vet bill that was not performed and I was told the only time they would credit the account if the doctor gives the money back to them I told the bank that he has gotten paid from you so he does n't have to worry about it and that I would be on the hook for this I told the bank this is a scam I have the letters to prove what I 'm saying I feel that I was taking advantage of in a cool way I would hope you could help us. I have no problem paying for the XXXX which was {$180.00} and then the office visit which included assessment and pain med {$200.00} in the office visit but other than that it should be no charges because there was no work that was done because the puppy XXXX
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| 09/17/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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|
Web |
Servicemember |
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To : Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX CC : United States Consumer Financial Protection Bureau RE : XXXX XXXX / Lowes Advantage Card ending in XXXX Doing the month of XX/XX/2020, I applied and received my new Lowes Advantage Card ending in XXXX, Since then I have paid on my credit card each month without fail. Covid-19 bought on hard ships to many if not all-American consumers. I never once called Synchrony Bank c/o Lowes retail stores and asked for Covid-19 consideration on paying my monthly credit card bills. I paid each month without concern.
XXXX new card no Bill XXXX used card first bill due by XX/XX/2020 XXXX> Paid {$30.00} XXXX XXXX Paid {$45.00} XXXX > Paid {$40.00} XXXX > Paid {$40.00} XXXX XXXX Paid {$100.00} XXXX Paid {$100.00} XXXX Paid {$1000.00} Doing the month of XX/XX/2020, I received a letter from you reducing my credit limit from {$3000.00} to {$2200.00}. your reasons were not true and fabricated to the highest.
Page 2 XXXX XXXX / Lowes Advantage Card ending in XXXX continued : You stated you based your decision on a credit scoring system that was used to PREDICT my credit worthiness.
***Interestingly enough my credit worthiness in your own words was good enough with your PREDICTIONS to issue me the new credit card for the purchase of a washer and dryer when I applied for it in XXXX of 2020. *** However, 7 months later you now decrease my {$3000.00} LIMIT to XXXX based on the reasons below then blame your reason on my credit bureau report. Well I contacted the credit bureau as advised in your letter to me.
The bureaus statement was, Synchrony Banks customer credit relations department representatives could use a bit more training.
1. Synchrony Bank stated, my credit report shows ( Lack of real estate secured loan information ) True I do not own a home however, the credit bureau says, a home has never been a requirement for a {$3000.00} retail store credit card prediction.
2. Synchrony Bank stated, my credit report shows ( Too many revolving accounts with high balance compared to credit limit ) False, I have 5 to include Lowes, and all have XXXX or paid off or balances under {$300.00} I normally pay my credit cards off every month especially if they have under {$500.00} balances.
Page 3 XXXXXXXX XXXX / Lowes Advantage Card ending in XXXX continued : 3. Synchrony Bank stated, my credit report shows ( not enough balance paid down over time on retail accounts ) I have one retail account that is LOWES. The other cards are Master Card/Visa and XXXX. All with {$10000.00} or better limits paid off or in full or with under {$300.00} limits and a paid off car over the last 10 years.
4. Synchrony Bank stated, my credit report shows ( To many bank cards with high balances compared to credit limit ) Totally false!! My XXXX paid in full, Car paid in full, Visa {$300.00} balance, Master Card No Balance, XXXX, No Balance, Lowes ( now {$1300.00} balance. ) This is not a letter asking for an increase, this is not a letter authorizing you to run a credit check. This is a letter requesting a resolution of putting my Synchrony Bank Lowes credit limit back to where it originally was when I applied and was accepted biased on the facts outlined in this letter.
Thank you!
XXXX XXXX XXXX XXXX, XXXX XXXX.
XXXX XXXX XXXX, Georgia. XXXX XXXX
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| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX, I received the first Notice of Data Breach letter from XXXX XXXX informing me that the security of my personal and private information was compromised and accessed by an unauthorized third party in a recent data breach. I was not made aware of this security threat until XX/XX/XXXX despite the fact this has been an active investigation first discovered in XX/XX/XXXX. The investigation and review of the involved XXXX systems found that all secure information on their systems including name, date of birth, drivers license number, passport number, financial banking account numbers and Social Security number were exposed. Due to the fact I was not made aware of this until XX/XX/XXXX, I did not have any time to act or prepare for what was to come. One week earlier was when I was hacked as all my secured information was utilized by unauthorized parties. On XX/XX/XXXX, my identity was stolen, and my information was fraudulently misused to electronically withdraw {$10000.00} ( estimated funds ) from my checking account, apply for 5 credit cards/lines of credit and place orders on my behalf using my banking credentials.
The initial fraud activity began on XX/XX/XXXX, when I noticed unusual activity across 18 unauthorized transactions made using my debit card totaling {$630.00}. I addressed this on-site at my local XXXX XXXX XXXX XXXX that same day where my debit card was all that was thought to be affected, so they issued me a new one. This proved to be wrong as my checking account was unlawfully used on XX/XX/XXXX in the form of ACH and electronic bank transfers totaling {$10000.00}. I went back to the XXXX XXXX XXXX XXXX local branch with whom closed and opened a new checking account after confirming that both my debit and checking account credentials were jeopardized. I did not make or authorize any of the charges in question which were disputed and confirmed in an accurate statement provided following the investigation. The charges related to the fraudulent amount was credited back to my checking account by XX/XX/XXXX after the decision was made that these were not authorized on my behalf.
I then checked my credit report to see that my SSN and personal information were also compromised and used to unlawfully apply for credit lines and credit cards. There were 4 hard inquiries processed on XX/XX/XXXX and XX/XX/XXXX by unauthorized parties in an attempt to open up a credit card on my behalf. The information disputed are listed below, which appears on my credit report, but do not relate to any transaction ( s ) or applications that I have made or authorized. I have not applied for any lines of credit since XX/XX/XXXX when I bought a home. These 4 hard inquiries have been declined and marked as fraud with each company as I have called to speak with them and ensure a letter be also issued to my credit reporting for accurate information updating and removal of falsified information reported..
FTC Report Number : XXXX Credit Card Opened by the Thief Hard Inquiries Requested to Remove as they are the result of identity theft. See Below.
I have XXXX XXXX XXXX free membership for a year granted to those affected, so I have been able to remove the hard inquiries reported from XXXX agency only, as the XXXX and XXXX require my own manual handling to remove.
|
| 05/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On about X/XX/17 , I saw that there was a fraudulent charge on m y TJ Maxxx Cr edit Card, so I called the company and they automatically cancelled my card and got me a new card soon after. I was charged for {$800.00} ( card insurance company ), random {$1.00} charges, and {$20.00} for XXXX XXXX in Massachusetts on XXXX ( I do n't live there ). I was satisfied at first, because my fraudulent charges were refunded on X/X/2017 . I got my new TJ Maxx cre dit card on around X/XX/2017 ( because that 's when I made my first purchase on it ) and between XXXX - XXXX , I made purchases at local stores only. On X/XX/2017 , I was charged again for {$33.00} for a fraudulent charge through a company called XXXX . I have never used XXXX before and was surprised that my card information was taken again. I called the company and they " fixed '' it for me, by running a fraud report and taking away the fraudulent charg e ( by X/XX/2017 , I had everything taken off of my account ). On the day I calle d them about the fraudulent charged I asked for my credit card to be canceled completely, because I was unsure how anyone gained access to my new credit card information. Around X/XX/2017 , I was going to get a check for {$.00} for over charges, and it was sent to me on XX/XX/2017 . It is now X/XX/2017 , and I got an email about my balance on m y TJ Maxx c redit card, which confused me, because my card was cancelled. I went and checked it and saw tha t TJ Maxx h ad recharged me for the fraudulent charge on my account of {$33.00} and that I had a credit of {$48.00} for extra interest charge ( X/XX/2017 ). I was angry, becau se TJ Maxx never sent me a check for the {$48.00} ( the {$.00} one the y sent me within 3 days of it being on my account ), yet it is today X/XX/2017 and I never received it. I was also angry, because again I was being charged for a fraudulent purchase. I calle d TJ Maxx a t around XXXX on XXXX XXXX XXXX . Speaking to customer service, I was told that XXXX had sent them information that " proving '' that I made a purchase through their company ( which I never di d ). TJ Maxx charged m e for this fraudulent charge again on X/X/2017 . When I spoke to the customer service lady, she told me TJ Maxx sent me information regarding this in the mail, yet I have not yet received any information regarding this purchase that " I made ''. The customer service lady said she would reissue a fraud claim on my account and sent me to the fraud expert, who sent me back to customer service for no reason! I do n't believe this company is truthful in any way with how they handle their business. I believe it 's very weird that I get fraudulent charges on a brand new credit card with in two weeks of having it. It seems that someone got my credit card information somehow, when the only people that know it are me and the credit card company. I also thing it 's weird that they never sent me my {$48.00} refund check, yet they sent me the XXXX XXXX refu nd check. This credit card company has been nothing but a headache to me that has hurt my credit score ( because I cancelled my account over the continuous fraudulent charges ) and I wish upon no one else the pain and frustration I 've gone through with them.
|
| 08/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
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Synchrony Bank XXXX XXXX XXXX XXXX Florida XXXX XXXX I opened a credit card account with Sams Club Warehouse through Synchrony Bank that offers rewards which were dollars on your account. I had a {$12000.00} card limit and I paid it all off and stopped using the card. Not realizing I had accumulated rewards in the amount of {$87.00}, approximately I cut the card up.
Every time I visit Sam 's Club the register informs me that I have {$87.00} on my account and asked if I would like to use it. One day, one of the register attendants asked if I wanted to use it and I said yes. When we hit the yes button it informed me to insert my credit card. I told her I paid off the card and cut it up. She instructed me to go to the front office to have them to give me the money since I do not have the card anymore.
One day I stopped at customer service to withdraw the cash from my card and the Rep told me to call Synchrony Bank to send me a replacement card so I can withdraw my funds. When we called the Bank on XX/XX/2022 they told us to send a video of myself along with my ID, front and back. My sister click the link and followed the instructions to send this info. It did not work so they told us they would email us a link so we could do it on the computer.
We never received the link so on XX/XX/XXXX we received a letter from Synchrony asking us to call them with a code they had in the letter to verify my identify. We called Synchrony on Monday, XX/XX/XXXX to verify my identify so we could request a replacement card and they refused to help me because they said they closed my account on XX/XX/XXXX and they can not reopen. I asked, why did they close my account when they knew I was trying to get my rewards money off this card so I can purchase some groceries. The card was paid off and I did not ask them to close my account. Nothing was sent in the mail informing me to use this account or it will be closed.
I talked with XXXX the customer service rep at Synchrony informing her to help me with this matter and she informed me of the above scenario that the account was closed. I then asked for someone higher than her and that's when XXXX, the Account Manager for Sam 's Club Credit Services informed me that there is nothing they could do to help me get my rewards money from this card since the account is closed. Its as if I needed to open another account and start all over again because this money that I earned before is no good for me now because it has expired.
Nothing was ever told to me that the reward money would expire and every time I went to Sam 's it asked if I would like to use the money on the account.
I am asking for Sam 's Club or Synchrony Bank to please honor my rewards that's on my card so I can purchase me some food. I am a XXXX year old XXXX that needs all the assistance I can get at this time in my life. I just want them to honor what is rightfully mine and I need your assistance in helping me to achieve this. Sams Club informed me that normally Synchrony Bank would either send you a replacement card or cut you a check for your reward money thats on your account. They said Synchrony had done this for many of their customers. I dont understand why they cant do it for me. Your assistance in this matter is greatly appreciated. Thanking you in advance.
|
| 05/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
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I am attempting to correct cascading errors on my credit report affecting multiple accounts and CONTINUING to negatively affect my score as a direct result. Here 's what is happening : My Granddad died XX/XX/XXXX. I moved shortly after that, but we had issues with USPS. The change of address did not correctly file, and/or the prior year 's forwarding expired ... I attempted to correct but there is no record of my attempts ( probably why they failed ) until my wife renewed efforts with case # XXXX when even her mail became affected. During this time I was not receiving ANY bills, reimbursement checks from my company, or replacement debit cards. Hurricane Irma swept through my state in XX/XX/XXXX causing widespread disaster and further hardship. I missed 1 payment at various months across a variety of creditors. My debit card expired in XX/XX/XXXX and payment to my auto loan was reversed. Poor customer service led to believing I was current, and then falling behind 1 additional payment as a result well before the account could be corrected. I have contacted all creditors explaining this situation. Several have credited back late fees and adjusted payment history to accurately reflect my usual status as a good customer. However, a few have not : XXXX themselves, XXXX, XXXX, XXXX. CareCredit may or may not be included depending on which credit reporting bureau you look at. These are creditors who have usually refunded late fees, acknowledged the hardships experienced, but are refusing to correct the credit reporting aspect of the hardships experienced : and this is what I am trying to correct in order to purchase my Grandad 's home! As a direct result of payment history and reported delinquencies, all my efforts to correct the problem are being reversed by automated credit limit reviews. Paypal, XXXX, XXXX XXXX XXXXXXXX, Walmart ... Some are accounts which have granted refunds and adjustments which are then changing my account limit based on those events of XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX which they KNOW is incorrect information. My score is continuing to be decreased, and I have not been able to get any creditor to reverse the limit decreases thus far, for some reason. They blame the reporting agencies, the reporting bureaus claim they only report information from the creditors ... no one claims responsibility and no one is able to make changes. The reasons supplied for these changes include " serious delinquency '' ( I have had the same collection account for 2 years now, it was not a new change, so only XXXX XXXX 60day could be considered serious ), " number of accounts with delinquency '' ( which also indicates the new information of several single missed payments I'm attempting to correct/HAVE corrected across various creditors ), " time since delinquency is too recent/unknown '' ( again- the new information ). I am paying off creditcards ( Paypal and XXXX, among others ) and making ZERO headway. I have now paid the collection account with XXXX in an additional effort to remove the so-called delinquency because XXXX is unresponsive. All I am asking is to have consideration for a multitude of compounded hardships beyond my control to be relieved- because I have been unable to enact changes on my own fast enough to halt this avalanche of credit destruction.
|
| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCHRONY BANK/COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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Be it known that I am compelled to address a grave concern that has arisen with regard to my consumer report. It hath come to my attention that certain information contained therein hath been brought forth through the nefarious machinations of identity theft, a plight most foul. Verily, I declare with unwavering conviction that I did not grant my written assent nor did I impart any instruction for the transactions in question to be inscribed upon my said consumer report. I trust this message finds you well. I am addressing a matter of utmost concern regarding unauthorized information present in my records. It has come to my attention that certain events have transpired, which I shall now describe, that require your immediate attention and action. To provide context, I wish to highlight that I did not grant any form of consent for the reported information to be included in my records. Furthermore, it is essential to note that there is no SSA-89 on file associated with these reported incidents. Given the gravity of the situation, I am left with no choice but to insist on the immediate blockage and removal of this unauthorized information from my records. I want to underscore that my consent was never given for the inclusion of this information, and the absence of an SSA-89 further confirms the unapproved nature of these entries. My request for blockage and removal is based on the ISUS code 1681, which I believe outlines the rights and protections afforded to consumers like myself in such situations. In light of the above, I kindly implore your urgent attention to this matter. Please take the necessary steps to rectify this issue promptly. I seek a resolution that ensures the unauthorized information is expunged from my records, in alignment with my rights as a consumer. I eagerly anticipate your response and the subsequent actions taken to address this concern. Thank you for your prompt attention and cooperation. With all due respect, I do beseech thee to expeditiously execute the blocking and expunction of the aforementioned information from my consumer report, with immediate effect. Know ye that this entreaty is conceived in earnest and free from any manner of misjudgment or error upon mine own part. Moreover, I solemnly affirm that this request is not grounded upon any distortion of fact, pertaining to the entreaty for the inhibition of the aforesaid transactions. Be it so acknowledged, the transactions in query bear no relation to any personal actions undertaken by mine own hand as the consumer. I therefore humbly entreat thee to heed my call and without delay enact the prevention of the dissemination of these transactions upon my consumer report.
XXXX XXXX XXXX XXXXXX/XX/2023 Furthermore, I beseech thee to provide substantiation of the alleged delivery of goods, for I avow that I received no such goods, nor did I partake in any essence of retrieval thereof. My stance on this matter is steadfast, and I anticipate and indeed expect that these measures shall be executed within the span of four days from the instant of the reception of this formal missive, in accordance with the dictates of the law. In fervent anticipation, I await thine elucidation on this most pressing matter. For your consideration and cooperation, I extend my gratitude. In good faith.
|
| 07/31/2015 |
Yes |
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|
Web |
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On XXXX XXXX, 2015 I went in the store and obtained estimate on replacement windows, storm and entry doors. I paid {$35.00} for someone to come out to measure as I was looking to purchase these items from Lowes and have their installer put it in like I have done in the past. I was told a project specialist would come out to measure the windows and the installer would measure the doors. The installer advised that since the project specialist was coming out, he could measure everything. Project specialist came out to my home and focused on selling me other items. I explained I had everything already picked out so he probed me for credit card information. He wanted me to complete a paper Lowes form and so he could input into his unencrypted laptop and take the paper copy with him. When I expressed that I would not give him my Lowes credit card info, he said that I would not be able to go into the store and pay as I historically did. I did not give him my information as this did not appear to be legitimate practice. He also mentioned that the windows previously installed by XXXX XXXX hired by Lowes in previous years did not properly wrap the wood frame of the windows impairing my warranty on products/services already paid for through my Lowes credit card account. I was advised to wait for the store to contact me regarding other options for installation and went in today after not hearing anything on XXXX/XXXX/15 and was advised that I was refunded the {$35.00} already on XX/XX/2015. Someone placed a comment on my estimate, that I was no longer interested. I am reporting this for XXXX reasons : that the process was not articulated properly raising concerns that this was fraud ring, that the money paid for measuring was refunded w/o my knowledge, that collecting credit card data in paper form and not protecting it is a violation of PCI DSS standards and privacy laws wherein customers have to rely upon the honesty of the representative sent to the home w/o consent to pitch other products/services while failing to protect customer data via adequate information security controls. Most importantly, it appears that my warranty on my windows is impaired due to the direct negligence of the installer who was hired by Lowes in preceding years ( I owned the house for 10 years and did XXXX projects within that timeline which is still in Lowes 's computer when I inquired today ) directly and therefore I want this corrected by an independent contractor to prevent structural harm to the integrity of the windows. Finally, I want Lowes to reaffirm in writing that my warranty is still in effect after the independent contractor wraps the wood with metal all the way per code and re-install the replacement windows to prevent any unforeseeable, present/future damage. Since I am not a contractor, I relied upon Lowes to hire an installer to use the proper degree and skill to prevent any structural harm and to ensure that I receive the full benefits of the products/services. Lowes also as a best practice should help consumers to fully understand that they send out project specialists who are actually sales people to their homes even when they chose the product already and obtain proper consent to do so, since customers are just expecting someone to come out and measure for the project.
|
| 07/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This complaint is specifically against XXXX XXXX XXXX, XXXX, XXXX at XXXX. Located at XXXX XXXX XXXX, XXXX, MA, XXXX. XXXX : XXXX XXXX XXXX XXXX On XX/XX/2020 I contacted XXXX XXXX XXXX, XXXX. to arrange a settlement for my debt in the amount of {$3300.00}. This was agreed to be paid by XX/XX/2020. I requested a copy of the settlement letter in writing to be sent to me. XXXX XXXX XXXX, XXXX. agreed to mail me a letter. On XX/XX/2020 I still had not received the settlement offer in writing and contacted their office. I spoke with XXXX XXXX who said they were not able to mail any letters because they were not working in the office due to COVID-19. I explained to them that the previous conversation on XX/XX/2020 indicated only that the settlement letter would be mailed and no mention of not being able to mail a letter was ever relayed to me. They then told me they could only fax a letter to me and forced me to create an online fax number in order to receive the settlement offer. I've had multiple other places email me letters or mail hard copies, even during COVID-19, and XXXX XXXX XXXX, XXXX. refused to email me a letter or put a letter in the mail. They forced me to get a fax number.
On XX/XX/2020 I mailed a check with a copy of the settlement letter to XXXX XXXX XXXX, XXXX. to their address at XXXX XXXX XXXX, XXXX, MA XXXX. The check was never cashed. On XX/XX/2020 I received a letter back from XXXX XXXX XXXX, XXXX. stating my check was being returned uncashed " per management '' with no other explanation. Also on this letter it states that any attachments sent with my check would be returned with it. I sent this check with a copy of the settlement letter and this was not returned. Also stated on this letter is " XXXX Residents : please read important notice on the back of this letter. '' There was no notice on the back of the letter. I believe XXXX XXXX XXXX, XXXX. has broken a law by not informing me of my rights as a XXXX resident.
I called their office again on XX/XX/2020 to find out why they refused to honor the agreed upon settlement. I was told they can't accept anything which states " paid in full. '' My check does not say " paid in full. '' In the memo field I put the File ID #. Also, if they have stipulations against words on a check they need to specify that in the settlement agreement letter. Supposedly, according to XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, a letter will be sent to me today stating they will honor the settlement agreement for {$3300.00} to be paid by XX/XX/2020. I do not expect them to follow through with this in enough time for me to actually pay this debt according to the settlement amount. They have continuously created barriers to keep me from paying this debt per the settlement terms. They are essentially forcing me to remain in debt even though I have made every effort to settle this debt with them. I have followed through with my end of the settlement and they continue to disregard the agreed upon settlement and force me to fight with them. This is abuse. Forcing me to continue to deal with this after submitting a payment per the agreed upon terms for more than a month is abuse. They should not be allowed to abuse people, especially not when someone has made every effort to fulfill the terms of the settlement.
|
| 04/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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On XX/XX/XXXX I review my credit report and I decided to try to settle some debt with 2 major retailers. With XXXX Credit card collector -XXXX, I had no issues, we discussed a reasonable settlement and monthly Payment plan and call was done. I contacted XXXX XXXX - Synchrony Bank and was informed the collection was now with XXXX XXXX and was given the contact number of XXXX. A representative got on and said they represented XXXX XXXX and XXXX and transferred me to the supposed Account Manager named XXXX XXXX.
I mentioned I have a very tight budget but wanted to settle the debt for XXXX with XXXX per month for a debt of {$4400.00}. He proceeded to tell me that hed been in collections for 5 years and never settled a debt for that low. I then asked him to check with his manager in which he said he manager was busy. He then proceed to tell me I must if received a judgment letter, which I never did and very surprised since the charge off is less then a year old and I didnt know collectors can threaten with a lawsuit. I informed I never received a judgement letter! Neither by mail, certified mail, or served by officer. He continued to ask me to consent to robocalls, which I declined.
I mentioned I never received information from them, but I was informed to contact them through XXXX XXXX, and would like to settle the debt. He later told me the only amount theyll settle with me was XXXX and Id need to pay on that day or judgement would happen at the end of XXXX. I informed I could not settle for that amount and to go back to speak with his manager. The manager got on the phone and was very rude and disrespectful. He mentioned hed never settle for my requested amount, and would not go past XXXX, even if it was XXXX. I then informed If they have a judgment then wed have to just go to court.
I later looked up more info on XXXX XXXX and came across a law firm ( XXXX ) who has had dealings with XXXX credit cases. I explained the situation to a representative and she asked to have the number. She then informed the number was not a typical XXXX XXXX contact number. But she placed me on hold, and came back and said the number is for a company XXXX XXXX XXXX and XXXX. She suggested I find out who has the debt and that I should ask for a validation of debt. I called the number back after our call and a gentlemen answered the phone XXXX XXXX and XXXX but when I gave him my information he said he was from XXXX XXXX. I began to questioned him on who is XXXX XXXX and XXXX, and he said he never said that, then hung up.
The next day, XX/XX/19 I sent certified mail ( XXXX ) requesting validation of debt letter, stating I need proof of debt within 30 days or Id contact the attorney general to file complaint. On XX/XX/XXXX, I received the attached which is not a validation of debt and continues to speak of legal action, as if I was the one threatening of which legal action. The letter I sent clearly states if I did not receive validation of debt, then Id contact the attorney generals office and FTC to file complaint, and file civil and criminal. I still have not received a validation of debt. Which I am resending the attached since Im unaware of who XXXX XXXX and XXXX is. If XXXX is the debt collector, who is XXXX? Do I have 2 collectors trying to collect for 1 debt?
|
| 11/01/2023 |
Yes |
- Credit card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XX/XX/XXXX I made a promotional purchase with deferred interest.
Since opening my account, any new non-promotional purchases have been paid-in-full ( or overpaid ) every month. Meaning, I have paid the minimum balance due ( or more ) AND any new purchase balances.
XX/XX/XXXX, I noticed an interest charge and sent a message in the customer portal requesting an explanation.
On XX/XX/XXXX XXXX XXXX stated, " You may avoid interest on any non-deferred purchases by adding the amount of New/ Non-promotional Purchases to the Minimum Required Payment from your statement and sending that amount as payment. '' Since I had overpaid the minimum balance due and all new purchases were paid-in-full, I called customer service and was told that I had paid my new purchase balance too quickly and the system misallocated my payment towards the promotional balance ( instead of new purchases ) because the system had not processed the charges. I was instructed to wait until the purchases reflected in my account before paying the balance. The interest charge was waived.
In XX/XX/XXXX I made {$1000.00} in new purchases and had a minimum balance of {$94.00} due. ( I followed the instructions I was given in XXXX. I made a transaction on XX/XX/XXXX that I paid-in-full on XX/XX/XXXX. Another transaction on XX/XX/XXXX that I paid-in-full on XX/XX/XXXX ). In total, I paid {$2000.00} on my XXXX statement - an overpayment of {$940.00}.
My XX/XX/XXXX statement reflected another interest charge. On XX/XX/XXXX, I sent another message in the portal and received a response from XXXX XXXX stating the same thing XXXX XXXX shared in XXXX, " You may avoid interest on any non-deferred purchases by adding the amount of New/ Non-promotional Purchases to the Minimum Required Payment from your statement and sending that amount as payment. '' I called customer service again and my interest fee was waived. I was told it was obviously an error ; however, my previous payments were not reallocated towards my non-promotional balance.
My XX/XX/XXXX statement reflected another interest charge. I called customer service again and was told : - It does not matter if I pay off the new purchase balance, I will be charged interest on all non-promotional purchases no matter what. I asked where this was in the policy agreement and was put on hold. ( I never received a response. ) - It does not matter if I overpay my minimum balance due and new purchases, I will be charged interest - I requested a copy of the policy supporting that interest would be charged regardless of payment status. ( It was not provided )- I was told I have to call customer service every time I make a payment if I need to allocate funds towards new purchases- I requested an incident number so I could follow-up on the status of my request for an account review. ( It was not provided. ) I was told I would receive a letter in the mail in 60 days.
- I was told the interest could not be waived because " it is a valid charge. '' ( Even though I have it in writing from 2 separate customer service representatives that the policy is, " You may avoid interest on any non-deferred purchases by adding the amount of New/ Non-promotional Purchases to the Minimum Required Payment from your statement and sending that amount as payment. '' )
|
| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 03/26/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I logged into my credit card account yesterday with intentions to pay my remaining balance in full only to discover compounded interest charges had been added to my balance. When I made the original purchase interest charges were 0 % for 18 months as long as the balance was paid in full. Covid-19 has affected my financial landscape. I am not currently working, and yet I made my monthly payments and am still committed to fulfilling my responsibility and paying off my balance.
I called the credit card company early XXXX to discuss my options regarding the 18 month interest deferral window. I did not ask for immediate relief, as many debtors were during this time. I wanted to continue to pay my monthly payments, even if it was a challenge given the circumstances. I knew that the effects of covid would have an impact on my ability to pay the entire balance within the 18 month time frame, so I called to request a 2 month grace period to allow for me to recover from the financial hardships I just faced. The agent was understanding and told me that was something they would provide a 2 month grace period at the end of the 18 months, and to call back when I was ready to pay the balance and they would take care of any interest charges, as long as I paid the remaining balance within the 2 month grace period.
I reached out to the credit card company yesterday, XX/XX/XXXX and not only were they rude ( I spoke to one agent and 2 managers- the agent was respectful, the managers were rude ) but they said they did not have a record of my call in XXXX, and there was nothing they could do. They told me had I called before XX/XX/XXXX they would have been able to accommodate a 30 day grace period but they were not going to honor the 2 month grace period, and that they did not have a record of the XXXX call. I do not know if they were being truthful regarding notes on my conversation with the original agent from the XX/XX/XXXX call, if they deleted it, if the original agent was so busy given the many calls they must have been receiving around that time ( because many people were financially affected by covid and seeking relief ) and didnt record it. I do not know what is going on. I do know I spoke to someone and I was told I had a 2 month grace period, and now that is not being honored. I can not control whether the agents are doing their job correctly and documenting conversations as they should. I spoke to someone and they authorized a 2 month grace period, and now I am being charged {$470.00} in interested charges. First the agent said they couldn't extend the 18 month timeframe, and then they said they COULD have accommodated 30 days. It seemed like they just didn't care and were purposely trying to be difficult.
I have made my monthly payments, I intend to pay my remaining balance in full. I am asking for Lowes to honor what the agent I spoke to on XX/XX/XXXX said would be done. I have been a loyal customer, and I am very disappointed in how this is being handled, especially in light of the circumstances. We are in the middle of a pandemic and I did the responsible thing by calling ahead of time and was given an accommodation that I was counting on and was ready and willing to adhere to only to find out I was misrepresented, or an agent dropped the ball.
|
| 01/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I travel often and my mom who has XXXX XXXX pays this for me. When these charges were brought to my attention I immediately notified and contacted the merchants who advised me to reach out to who and where the purchases were paid from as they were unable to do anything at this time. I reached out to PAYPALCREDIT and advised them of this. The reason this was observed when it was Is I needed my mother to send me {$2000.00} I want to use that account and I noticed the charges. I called to report it at 1st I received an email to pay pal that said I will be refunded for certain charges and the ottomans I will not be refunded after I made a call And I was advised that the case was closed there was nothing that they could do but the other charges would be refunded. There's an email that I received the state of the same thing as well and now I don't understand why they're saying that none of them can be refunded I've called several times I've been hung up on I've been transferred to the world department so on and so 4th period I advised them that if I was not transferred to the correct department I would follow complaint. I've been given misinformation I'd advise them that it was something that I did not do between set the charges were not authorized they're telling me that they were authorized I pay my bill every month and the only thing that I advise them is the only thing that should be on there are from XXXX XXXX and that was often either paid off or peed on monthly so I don't understand what the problem may be. This is the worst I've been treated it feels dehumanizing. No one they are actually knows what's going on either you're transferred I don't know they're out sourcing or not or if you get someone in the States they often have an attitude and all they will tell you is that there's nothing that we can do. I do not understand the hollow case is closed in a decision that was made an initial I is all of a sudden change of ask for emails that I sent to them with attachments that clearly States that I'm entitled to the email and if there's anything after that time frame or prior to the time frame that you would have to requested via a number Is provided. The charges below are the charges that are on optimized and I don't understand how a they told me that I would receive a refund for the charge of {$720.00} and now they're saying that I'm not going to receive a refund. I don't understand how they would say that I'm gon na be issued a refined and then all of a sudden they come back and tell me that I am I getting a refund for anything. I do not understand how no one is providing me the emails that I stated that I sent to them via their website with attachments of proof but the advised me that they would give me a refund. I do not understand how unauthorized charges are stated that the are authorized charges because those items were not ordered by myself always for you to by myself. I am going to attach proof of The Times that I've called him tonight and talk to them the other cause that I've been making over a course of a couple of days I do not have those but again I've emailed them and I don't have any emails by should've been sent to me as proof with the attachments that I've sent to them as well.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/03/2016 |
Yes |
|
|
|
Web |
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On Friday afternoon, XX/XX/2016 I looked into the health program that is offered by " XXXX '' located at : XXXX XXXX XXXX XXXX , XXXX, Virginia XXXX. XXXX : XXXX. The XXXX employee " XXXX '', cell phone number XXXX was the employee that explained the program to me. XXXX. The XXXX employee told me since it was late Friday afternoon and we could not reach my XXXX and left him a message, just to go ahead and sign the papers, take a starter kit and if my XXXX, XXXX XXXX said that I could not participate in the program, that I needed to return the unused/unopened starter kit and nothing would be charged to me before 1 week, the following Friday at my scheduled first day of participating in the program which would give My XXXX, XXXX XXXX the time to evaluate the XXXX program and to get back to me. On the following Sunday afternoon, XX/XX/2016 XXXX XXXX responded and told me that the XXXX program would be detrimental to my XXXX and that I could of NOT participate in the XXXX program. I immediately texted the XXXX employee on the cell phone number that she gave me to text or call her on as soon as I found out ( her personal cell phone ). She " XXXX '' responded and said that " I was not charged anything, nor would I be charged anything ''. For prudence sake, I additionally went on to the Planet Wellness website, I went to the section that says " contact us '', and I wrote and email to the same effect, that my XXXX stated that I could not participate in the program. I documented both the text message and the same message that I sent via the XXXX website. From the time of " XXXX '' having me sign the contract and then acknowledging my text communication on Sunday afternoon to her with my XXXX directive to not participate in the program, approximately 2.5 hours maximum elapsed. One of the papers that " XXXX '' had me sign was a credit application to a credit card called " Care Credit '' that is issued by Syncrony Bank. A few months later I received notification via a computer program that I have called " XXXX '' which is a credit report monitoring program. It notified me that I had a negative item that had posted to my credit score from Synchrony Bank. I had never heard of Synchrony Bank or Care Credit. After investigating I found out that XXXX charged the maximum amount to that credit application they had me fill out to a tune of {$1500.00}!!! When I asked XXXX about it, they said " XXXX '' had been fired as a result of not following company policy and I was still being charged because part of the service I recieved was a " scan '' by a computer mouselike device that I laid my XXXX on and the radio waves that the XXXX, regular desktop computer emitted while I was sitting at the desk filling out paperwork, " custom-programmed '' the fluid in XXXX ounce bottles on a molecular level, so only I could use them now ... also the cost of the computer to evaluate me was {$690.00} and that they were actually doing me a favor ... When I disputed this with " XXXX '' at Synchrony Bank, he stated that XXXX sounded very hoky/XXXX, but he was not a court/judge so he could not take away all of the charges because he can only go by the contract and that I should take further action that just a dispute with his bank ( Synchrony Bank ), PLEASE HELP ME with these SCAMMERS!!!
|
| 05/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I received the complaint sent by Care credit, and It is not resolved. The dispute is not resolved since they are not removing the charges made by dentist XXXX from XXXX dentistry. Care credit said that they are trying to contact me but it is another lie since it is imposible to get on hold to somebody to talk to. Customer service always after made me explain the entire situation, transfer my call over and over. Today Monday, XX/XX/XXXX, i called them and i was transferred to XXXX different agents and after several minutes of explaining about the problem they transferred me to another and another without even saying why. care credit just do n't want to do anything about the dispute. I had to contact the credit card bureau and that is why the financial charges were dismissed. However the main problem still exist because the original charges from XXXX still there, dentist XXXX is an arrogant person who broke XXXX that did not need to be touch, it was a new XXXX, and he broke it with his tools while XXXX then i canceled the entire XXXX that was going to replace the XXXX XXXX, and XXXX refused to accept that. XXXX told me that i had to go in person made sign papework that he said was just stimates and refuse to refund what he already charged, XXXX, Care credit are on the side of dentist XXXX, because i was disputing the charges for already two years. I was physically abuse because he broke a XXXX without replacing it, scream and verbally assault me in his dental clinic by approaching to my face really close and yelled at me, saying a lot of offensive language, and saying accident happen. Accident happened but a dental professional need to be accountable for an accident or try to solve the problem or accept when a patience do n't want to be treated by him since his behavior is so violent. I was bully by Dentist XXXX and his staff. His administrator told me that I was going to model XXXX. Make racist reference to my new dentist, and offensively spoke to me. XXXX offered to change the XXXX he broke but the enired deal was going to cost me another XXXX dollars, and i was afraid already and i just want it to run away from there. XXXX placed another XXXX, but that XXXX was already paid off by my XXXX insurance, The main problem here, is that i cancel the XXXX that it was going to replace the XXXX, that cost XXXX dollars. I canceled by phone and in person, and he refused to accept that. I never have the crowns placed on me, and I do n't have the product on me. I can not solved this problem with care credit because they are not taking me seriously. I just spend today hours of explaining and being transferring to deferents department, I just do n't want them to lie that care credit are contacting to solve the problem, they are just ignore my dispute. I got a new bill from care credit with the XXXX dollars and already charging more fees that came up to XXXX dollars. So it is a abuse after abuse XXXX i have been abuse physically by being mistreated by a dentist who broke XXXX, overcharging for a procedure he never did, verbally abuse me, and now care credit are overcharging and refuse to dispute the overcharges that dentist XXXX made back in two years agoXX/XX/XXXX. I am feeling unrightfully treated, abuse, and con and abused by dentist XXXX, and Care Credit.
|
| 04/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
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Web |
Older American |
|
I purchased an adjustable from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio on XX/XX/XXXX. The bed worked for about 1 week. I contacted the store on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding the problem. I was told that I need to contact the manufacture of the bed to schedule for the repairs. I was given a phone number XXXX on XX/XX/XXXX by XXXX customer support rep. I started calling this company on XXXX, but received a message, closed for the holiday. I called again on XX/XX/XXXX at XXXX XXXX, but was placed on hold for several hours, disconnected, transferred. When I finally talked with a rep from the manufacture, late evening, I was told I had the wrong company for the type of bed I had purchased. When I purchase the bed I was not informed that I would need to contact the manufacture of the base for repairs if needed. This is information that should have been discussed to enable me to make an informed decision, whether I want to purchase the bed or not. I was told by XXXX, sales rep, that I had a 20 year warranty, the bed would be replaced or repaired at no cost to me. I contacted the sales rep, XXXX XXXX, on XX/XX/XXXX at XXXX XXXX to explain my problem, getting through to the manufacture of the bed, and not getting assistants from XXXX. XXXX stated that XXXX should have sent a repair person to fix problem, " you guys were very nice people ''. When I called XXXX again on, XX/XX/XXXX, as she requested, she was very rude, stating it was not something the store could assist me with. After several minutes of a back and forth conversation with XXXX, store rep, she gave her cell phone to a man who never identified himself, but told me I had to choices, I could call the manufacture or he would call and have them call me. The bed base should have been replaced by XXXX XXXX XXXX, where I purchased the bed, but refused, stating it was not their issue. This is very serious because my husband had XXXX XXXX on XX/XX/XXXX and he has to have head elevated at a 30 degree angle at all times, which is the main reason for the purchased of the bed. When I finally located the correct number for the bed XXXX, on warranty paper work, after several hours of waiting, I finally talked to a rep, who requested that I look under the bed to located a power box to see if there was a green light on. She stated that a new part for the bed would need to be ordered, and it would take 3-5 days, or I could pay {$44.00} for next day delivery. In the mean time, my husband has had XXXX XXXX on XX/XX/XXXX and needs to have his head elevated at a 30 degree angle, which is the reason for purchasing the bed, we stack pillows to help with the pain. I'm XXXX years old, and I had to crawl under the bed to locate serial numbers, cords and power boxes. This should not have happened. This is very insensitive of XXXX XXXX XXXX rep, manager, the manufacture. A customer spending {$11000.00} in the XXXX XXXX XXXX should be treated with more respect. When I requested a refund and pick up of all furniture, I was told by a customer service rep, that XXXX XXXX does not refund merchandise that has been delivered and excepted in the home by the customer. I was given a 100 percent money back promise certificate that states, if I am not please with my purchase I can receive a full refund.
|
| 11/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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A transaction made on XXXX/XXXX/XXXX by XXXX XXXX XXXX in the amount of {$3100.00}. After realizing and finding out that this company is fraud, the owner XXXX XXXX is not licensed contractor, I decided to cancel the job. Initially when we started the estimate, we were told by the owner XXXX that they have a contractors license. When I found out he has been lying and changing his words, I made a dispute and asked him to cancel the job. I have enclosed a copy of my statement and circled the disputed charge. I dispute this charge because this company has record of doing the work incorrectly, and when requested to a refund we were denied. He did n't want to give us a refund, nor finish the job, and instead changing his words on his " so-called company policy '' on restocking fee.Which he keeps changing the numbers. The owner XXXX has been lying and not completing the job as agreed.
When I asked him to cancel the job XXXX stated on XXXX XXXX, XXXX " I have already paid for the granite material for the counter top and other materials for the job ''. When I contacted his guy via telephone XXXX, he said that all materials were returned back to manufacture and no fees were charged and no money was paid to him by XXXXXXXX and nor did he ( XXXX ) charge XXXX for any money. I asked XXXX if all of the materials have been cut, since XXXX stated to my husband and I that all materials have been furnished and cut that is why he can not give us a refund and he will be charging a restocking fee.XXXX explained no materials were cut or started since XXXX told XXXX the job was cancelled so XXXX returned the materials.
We have tried to contact XXXX by email and phone calls.Please see attached emails. on XXXX XXXX, I called XXXX and over the phone he stated that he cant not return my deposit of {$3100.00} because of all the materials were bought and cut and ready to install. And because I wanted to cancel the job he wanted to charge a restocking fee of 15 % ( is what he told me over the phone ). XXXX then changes his words and tells my husband that he will continue the job on XXXX XXXX, XXXX as all of the materials are ready to go. XXXX then asks my husband to email him and in the email ( see attachment ) that a portion of the deposit will be returned and they will be charging a 30 % restocking fee. XXXX then provides his credit card company with a written statement that his company has a policy and they will charge 25 % ( when the dispute was made first time ). XXXX is full of lies as nothing is making sense. He has also added word the words " all sales final/no refund '' to a contract that I signed and at the time of signing those words were not there. This a fraudulent company that is taking my money for work that has NOT even been started. His guy has already claimed that materials were all returned and no money was taken.
It is also illegal for a contractor to charge a huge amount of the total amount from his customer. The contractors state license board has stated that " a contractor cant demand or accept payment for work or materials until the work is actually done or the materials are delivered. The down payment may not exceed {$1000.00} or 10 percent of the contract amount, whichever is less ''. And as a homeowner I have the right to cancel my job.
|
| 02/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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I have been contacting XXXX XXXX for months ( since XX/XX/XXXX ) to correct an error on my account. Each time I call, the person I speak to says there are no notes in my account from previous calls and that the promotional period is 18 months. I explain that I am trying to correct the error and the account was to be set up with a 24 month promotional period. I have asked to speak to supervisors and they refuse to help.
They will not provide me with the business unit supervisor 's information to resolve the problem. They have now added on almost {$3700.00} in deferred interest. I told them back in XXXX that if it wouldn't get fixed that I would pay the account off. I continue to get told someone will call me back in 2 business days. It doesn't happen.
I called again today XX/XX/XXXX. I spoke with two different people, XXXX and XXXX both supposedly managers. Both told me that there is nothing that can be done that I have to pay the deferred interest. I again asked to speak to their manager. I was made to sit on hold for over 15 minutes, then was told that I could not, that no one was available to assist me. They said that once again they will have someone call me back in 2 business days. I asked to speak to anyone that could help me and they refused to give me to someone higher up and that there was no way to waive the deferred interest I've been trying to get corrected.
I asked for the address for the business unit that handles consumer complaints. XXXX stated they do not have a consumer complaint department, to just send a letter to the corporate offices. Of course they have a consumer complaint department, they are just refusing to handle the complaint. I asked for an email address for the person in charge of consumer complaints so I can send an email. XXXX stated they do not give out emails. I asked for a general email for that department. She stated there wasn't one.
I asked mailing address and the person responsible for that department. I was told that they do not have anyone to again send it to the PO Box .
I asked for the name and address or email address of the person who handles the business unit for consumer accounts. I was told that there was no one that was in charge of consumer accounts and to just send a letter to the general PO Box .
I asked how can I be sure then it will get handled correctly if it is just sent to a general PO Box as this was a significant concern and I need to be able to communicate with the correct business unit. She just kept repeating herself telling me to send it to the main PO Box .
This is how each of my contacts with them have been handled.
When you call the customer service number, a recording tells you that after the call you can participate in a customer service survey at the end. I asked XXXX today to please put me through to the survey so I could respond to it. She hung up on me before I could complete the survey.
This is deceptive and completely unacceptable. This is clearly a scam. I was deliberately stalled so that the interest would be charged to me. That is apparent. I will pay the balance on the card. I always pay my bills. However, it is not acceptable to charge {$3700.00} in deferred interest when I have been trying to get the promotional correction made for months.
|
| 10/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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This letter is being sent to you in response your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any signed papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX XXXX XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
|
| 03/19/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
In the fall of XXXX I applied for an XXXX XXXX and a Lowes Card.
My credit score was XXXX and I was given a {$1200.00} credit limit on my XXXX XXXX XXXX XXXX and Synchrony Lowes Card of {$1400.00}.
I purchased a Computer for my son on XXXX for about {$1000.00} paid it of and used the card month to month for minor purchases. When I elected electronic statements I could not view it. To resolve the issue customer service had to request a paper statement. Later on I tried to make a payment online and had an issue again. Its seems if they give you a PDF format or Pop up the consumer needs to know how to allow the POP UP. The customer service agent could not assist me and I had to figure out the solution myself. I do not recall every carrying a balance or failing to make a payment. And when I was having statement issues I was told this would not effect my relationship which the provider. In XX/XX/XXXX the lowered by XXXX XXXX line to about {$120.00} saying I had miss handled the card which was not true.
I applied for a Synchrony Lowes Card because it allowed me to the to get a 5 % discount on my Purchases. I am renovating my home to prepare for downsizing so I have been purchasing whatever my contractor needed and paying the balance off all accept one month I think I carried a {$200.00} balance over XX/XX/XXXX due to XXXX plans.
XX/XX/XXXX I paid the balance of $ 900+ which which had XXXX aging on time. Three days later I went to use the card and the account was closed.
Today I received a letter that they have closed my XXXX XXXX as well which has had a XXXX balance for three months as I could not purchase anything with only a reduced credit line of {$110.00}.
When I view my credit reports I only have disputed comments I make my payments ontime, my consumer data is not posted and incomplete.
My Mortgage is Paid in full.
My Utilities of average {$550.00} per month and are not recorded.
I my personal vehicles Car, Truck and RV are all paid for.
I pay Auto Insurance of 4 vehicles through XXXX XXXX XXXX of {$220.00} per month ( 3 years never late ) I pay XXXX per month for dwelling insurance of {$380.00} XXXX dollars and {$190.00} XXXX dollars for ff & e ... content coverage. I pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} per month for medical insurance and have my account since XX/XX/XXXX.
On the credit report I do have a XXXX XXXX XXXX which I have paid on since my daughter started at the the XXXX XXXX XXXX ( 3 Years Never Late ). My daughter has no student loans as I help with tuition, books, housing, cell phone, auto and medical insurance, and allowance.
On the credit report I do have one derogatory item which is valid that I can not control and that is my ex wife is responsible for paying all payments to XXXX XXXX on auto loan and I have had to catch it up twice in six months.
When I reviewed XXXX XXXX Social Media Report Card I noted over $ XXXXsimilar complaints of canceling cards with XXXX balances with no notice. No courtesy calls nothing!!! Please review : XXXX XXXX XXXX I have contacted Lowes about Synchrony behavior and will also copy my complaints to XXXX XXXX XXXX XXXX , XXXX XXXX , analyst at XXXX XXXX and other analyst as I think the behavior by Synchrony could affect Lowe 's EBITDA projections.
|
| 09/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I made a purchase at XXXX on XX/XX/2021. The sales helped me apply for financing for the purchase, however they told me I need to pay off the purchase by promotion period I told them ok, I'll just set up direct deposit, they take what they need within that promotion period.
The items were sent to me XXXX damaged. XXXX was really helpful and placed a replacement order for me. After getting the furniture, I waited for months to get my statement. Right after I got my first bill, I saw that it was late. So I called immediately to ask that they bill my account for the needed payments ( I forgot when that call was made ).
Next month, I see the funds drawn out of my account. And it has been drawn out of my account since. I thought all was good, and everything will be paid off in the agreed time ( as all my other finances ). Until I got the last bill, this is a bill for XXXX that I just got. I saw my total was at XXXX which was strange because my purchase was for XXXX. When I saw that, I immediately contacted the card issuer ( synchrony ) and they told me it was $ XXXX interest. I question the rep and she told me she can do nothing about that. I called the store, thinking it was store problem when they told me this is the bank ( synchrony ) issue. I call synchrony again, asked for a XXXX, and the XXXX basically told me, doesn't matter I had funds on my bank account, their system indicate I chose to pay only minimum ( false because I told the rep who took my first payment, that all that was necessary to get this paid off in a timely manner ). I tried to tell her her reps set up my account wrong but she refuse to listen. She said the minimum collection was written on the bills, why did I not pay attention, find the error, and corrected them? Why did I not pay attention to how they collect my money?
I'm practically speechless to that. I gave them full access to withdraw from my account, I keep watch to make sure there was at least {$2000.00} in the account so their payment will not be blocked, and I still need to make sure their staff wrote in the right # on they system so they could collect the right payment from my account? Ok, even if this is my responsibility, to make sure she's doing her job right. Would it be too much to ask that she notify me that she's about to charge me $ XXXX interest? I finally saw during my call with the synchrony XXXX, that if I was clueless to her methods of collection, I will have to pay $ XXXX for a {$4000.00} debt, and that is 17 years of payment plan she had for my account.
I can pay off whenever but I refuse to let synchrony get away again with cheating people out of their hard earned money ( i have heard others complain that they do this to all their customers ). I checked with other lenders ( not synchrony, another bank institution I have finance with ), they all say they have a rule of at least attempting to call their customers before the promotion period for debts ended because the interest would be costly for the customer. I got nothing, no call, no mail notice -- no i got a mail, a super late statement ( issued XXXX, I received XXXX ). I want them to confirm their rep had made a mistake and that they will fix their issue. When they fix, they can contact me to have the account paid off and closed.
|
| 05/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB AMERICAN EAGLE XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 05/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
1. Making payments is not clear. There are two addresses listed on my statement. One for XXXX XXXX XXXX XXXX, TX XXXX and on the back, XXXX XXXX XXXX XXXX GA XXXX.
When I called on XXXX XX/XX/2023, I spoke with XXXX ( ID # XXXX ) and was told payments should go to XXXX XXXX XXXX XXXX, TX XXXX which is nowhere on my most recent statement dated XXXX XX/XX/2023.
2. Payments are not posted to my account in a timely manner. I have had to start sending my payments by certified mail because payments are not being credited to my account in a timely manner. For example, my last payment was mailed on XXXX XXXX, delivered on XXXX XX/XX/2023 according to XXXX tracking ( XXXX ). As of XXXX XXXX, when I spoke with XXXX, she could find no record of my payment even though I mailed it to the address on the payment stub of my statement. I was told that the address on the statement ( the address on the tear-off stub of the statement with the address that shows through the window of the provided envelope ) is not the correct address for payments.
I also found out I was ahead 2 months in payments. I requested those payments of {$390.00} be applied to my principle balance. I was told that's not allowed. ( So they can continue to charge interest. ) By this time my {$2500.00} payment should also have been received and posted. This check is noted that {$200.00} is for a regular payment and {$2300.00} is to be applied to principle balance. I requested that the full {$2500.00} be applied to principle balance since I am already 2 months ahead on payments. I was told that can not be done either.
3. Principle payments are not correctly applied to principle. I made a {$400.00} payment that was posted to my account on XXXX XX/XX/2023. Only {$300.00} was applied to principle, the rest applied to interest. I had to call customer service and was told that if I want to make a principle payment, it has to say this on my check. Please refer to the image of my check that clearly states " PAY TO PRINCIPLE {$400.00} '' in the memo line.
4. Synchrony is so outdated that the only way to make payments is to call in ( they charge for this ) or mail a personal check. They do not accept online payments. You can not view your account online.
I make my payments on time. I make extra payments in an attempt to pay off my loan early. Synchrony bank is using deceiving tactics such as multiple addresses on their statements as a way to confuse their customers and as an excuse to hold checks so that they can charge more interest. ( I was told I am being charged {$2.00} per day in interest. ) It has become so frustrating and costly having to waste my time to go to the post office to send a personal check by certified mail every month. And then when I do as instructed in writing on my statement, I'm told that's not correct. I am so frustrated and want out of this loan so badly that I had to pull money out of my emergency fund during a recession to try to get out of this predatory, deceiving, bad-faith lending situation.
I will be calling tomorrow for my pay-off balance, ready to make my final payment over the phone. I have a feeling they will hold my payment, continue to charge me interest, hold the title to my vehicle, and send me another statement saying I owe them money.
|
| 03/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
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Synchrony Bank charges interest on purchases made previous to the statement date even if I pay the full balance due before the Statement Due Date.
I use a Care Credit Rewards Card. If I make purchases on the Revolving Charge Portion of my account I get charged interest even if I pay off those charges before the STATEMENT DUE DATE of the statement on which those charges appear. I talked to XXXX ( agent number XXXX ) on XX/XX/2020 just before noon. He stated that any purchases must be paid off by the STATEMENT CLOSING DATE in order to avoid paying interest. This STATEMENT CLOSING DATE occurs before I have even received the statement in the mail. The STATEMENT CLOSING DATE is generally about 3-4 weeks before the STATEMENT DUE DATE. The problem is that this method of charging interest is contrary to every other credit card that I use, or have used, or ever heard of in my entire lifetime. I feel that this is a scam purposely devised to deceive users into having to always pay interest. I called Synchrony Bank many times previous to XX/XX/2020, and expressed that my purpose was to always avoid paying interest. All of these times that I called Synchrony 's method of calculating interest was never explained to me. On XX/XX/2020, a customer service rep even removed the interest charge on my XX/XX/XXXX statement, apologizing for any inconvenience, but not really explaining that the method of calculating interest had caused my problem. I stated on that date, and in previous conversations with customer service, that my sole intent was to avoid paying any interest on the Revolving portion of my account, and that I try to pay off my Revolving Balance every month. As it is, I have to call Synchrony every month in order to separately allocate portions of my total payment to my revolving charge, because if I don't call, there is no possible way to apply the total payment to my revolving balance, as opposed to my promotional balance which does not incur interest every month. I feel that this is another deceptive practice by Synchrony, because Synchrony purposely will apply a payment to a Promotional balance, which does not incur interest charges until after 6 or more months, before it applies payments to a Revolving balance, which does incur daily interest charges. This is also contrary to the method that other credit cards, like XXXX XXXX, use to apply payments to revolving and promotional balances.
On XX/XX/XXXX customer service rep XXXX refused to make adjustments in the interest charge on my XX/XX/XXXX statement, saying he was not allowed to do so, even though a previous customer service rep had done so on XX/XX/XXXX for the previous statement. He also tried to abruptly close our conversation saying that there were too many people in the queue behind me, and refused to pass me on to a manager or give me any other contact information in order to escalate my complaint.
To sum up : Any purchases that I make on this card will ALWAYS incur interest, as it is pretty impossible to pay them off before the STATEMENT CLOSING DATE. I would have to pay each purchase on the card the day after I made the charge in order to avoid paying interest? This is not a " credit card '' in the normal sense of the term, nor does it seem an ethical way to do business.
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| 10/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I was approved for a XXXX XXXX XXXX in XXXX. I made a few purchases and promptly made 2 payments on the account to keep the balance down since I was planning to use this card mainly for an auto pay medical bill. These payments were posted and credited to my account promptly. I set the auto pay up to start on XX/XX/XXXX. I made a {$350.00} payment on this account on XX/XX/XXXX to ensure that enough credit was available to cover the auto pay bill. Unfortunately my bill was not paid because a payment hold was put on the credit card account and didn't get released until after the XXXX of XXXX, even though I paid the account on XX/XX/XXXX. I was also charged a {$25.00} failure to process fee for the auto pay bill. I called customer service and it was explained to me that payment holds can happen to accounts under 6 months old and that it would not happen again once one payment had been put on hold. I made an additional payment of {$50.00} to more than cover the failure to process fee. On XX/XX/XXXX, I made a {$400.00} payment to the account to ensure that enough credit was applied to cover the auto pay bill and to reduce the remaining balance on the card. The payment was removed from bank account and shown to be made on the account but was not applied. I called customer service today, XX/XX/XXXX, to see why credit was not applied even though payment has processed and when it would be applied. Customer service told me my payment had been put on hold and credit would not be applied until the XXXX or XXXX. I relayed that the previous time this happened I was told that it would not happen again, and was informed that I was lied to by the previous agent. I asked if the hold could be removed and was told no. I asked if I could be reimbursed for the failure to process fee, since that wasn't my fault, and was told no, not their problem, you really just got screwed and there is nothing we can do. I asked to speak to somebody higher up and was transferred. The next CSR I spoke with told me that every payment I make is subject to a hold and it can not be removed and the failure to process fee is not their responsibility ( I honestly didn't expect to be, but why not try ). I asked for a credit increase ( didn't expect it, but again why not try ) and was told no. I was told there was nothing they could do to get the payment hold off, apply credit to my account and that my next payments could be put on hold as well. Even though the fine print in the account statement says that credit for payments will be applied by the next day or may be delayed up to 5 days. Not delayed for 15 plus days. I get it for one payment to be put on hold, but multiple is absurd. I didn't max the card out, I made multiple payments before the due date even and made them well in advance of when a charge to the account was to be made. As a single mother, working full time, I can not afford to have holds put on accounts and pay extra for failure to process fess when I made my payments. I can not let this auto pay bill be late again, so now I have to juggle my other bills just to be able to pay a bill that I shouldn't have to worry about. I was hoping to use this card to help build my credit but this has done nothing but damage my credit and create more stress than was needed.
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| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, NJ XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 02/23/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX XXXX/ Had a Lowes credit card and Care Credit Card both issued by synchrony bank. Just out off the blue one day they cancel my cards ( they said my credit score went down and they have a right to do this ). This was after i used it at the XXXX.
On the Care Credit Card I used at my XXXX I needed XXXX XXXX work. XXXX XXXX were cracked and front 2 were broken off. XXXX charged the card for the whole amount of {$3600.00} in XX/XX/XXXX and stated with care credit we have them pay the full amount upfront. I was told before leaving that The ( my ) XXXXXXXX had retired I thought he was off that day. And was told it would be billed to the XXXX that helped me get things in place, to put XXXX XXXX on my XXXX the next visit. They never called me to tell me my new XXXX were ready. I called them 1x a week for I believe 4 months nothing. In the meantime another Covid-19 outbreak, my husband passed away and then my sister which threw me to left field. I finally got a call back mid XX/XX/XXXX stating the practice was sold and patients went along with the new business practice. I said hey they took molds of my XXXX and I was to come in to get them placed. Them : Oh we're not going to be open for business until later XX/XX/XXXX- XX/XX/XXXX and it will be under new owner management. In the meantime I'm making payments on the care credit card and they are charging me because they canceled my credit with them synchrony and I been paying a {$44.00} a month late fee, a not paid in full promotion offer of i believe it was 60 months. Then I start getting over the limit charges, late fees and a humongous interest rate to boot. Plus they hit my credit report! I've contacted customer service and have them a verbal dispute. Nothing updated that was in XX/XX/XXXX. They need to cancel the {$3600.00} XXXX charge and have the previous XXXX reimburse synchrony back. NOT ME I didn't get a medical service from them!
They should " synchrony bank care credit ) pay me back by reimbursing what I've paid to them and their late fees, over limit whatever fees and bad credit report and give me all my payments back regarding this {$3600.00} purchase I never received! I now have a huge hit from them on my credit report. I didn't receive any notice from the XXXX office and this is just insane! I will not pay {$3600.00} to you for something i never got fixed!? I want Reimbursed for every payment I made already, PLUS THEIR TACK ON FEES! I CAN'T EVEN LOG INTO MY ACCOUNT TO CONTACT THEM AT THEY SUGGEST. To top it off this WAS emergency XXXX work. Took my credit card charged it and didn't do nothing! They didn't even send me a patient any news on what was going on!
Summary : ... XX/XX/XXXX I was charged {$3600.00}. Contacted them they wouldn't help me. I want this taken off my credit report and it marked paid on time. Consumer closed. Since I contacted them. I believe they are now sending to collections! Please help! I'm a XXXX widow and this is clearly fraud and extortion on a XXXX widow. I they have 30 days until XXXX XXXX, XXXX to correct this insurance fraud and mail me my money back in form if a check with the late fees, Over limit, promotion fees. I was never told by synchrony what the % of interest and all that other stuff I was supposed to owe them?
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| 10/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/2023 my PayPal account was hacked XXXX times for the total in the amount of {$12000.00}. I have 2-factor authentication enabled on my account. It was not used and these payments were approved. I dont understand how PayPals fraud alert system allowed this without notifying me immediately. The amounts were totally out-of-line compared to my usual PayPal transactions. None of the 23 other transactions of that day were reported to me.
On the same day ( a XXXX ) I received a text from XXXX about a transaction to buy a XXXX XXXX for {$380.00} which I had not purchased. I called the number ( XXXX ) immediately. The person I spoke with promised that he would help resolve the problem He explained that the hackers then used the money to purchase gift cards from XXXX. He said my XXXX checking account was locked to prevent these payments from going through which was a false statement. All XXXX went through. I was promised then that this all would be resolved by XXXX ( XX/XX/XXXX ). Three months later after ordering endless numbers of gift cards from XXXX and maxing out all my credit cards, this still isnt resolved. Obviously my summer was ruined and its still ongoing.
Locking my checking account caused a XXXX payment to fail. Maxing out credit cards caused a great number of automated payments to fail. I now owe more than $ XXXX to the credit card companies.
He promised to pay the credit card statements when they came due. He did not. So now I have late payment fees and interest charges. Im retired on a rather limited income and put a lot of effort into keeping my accounts up to date avoiding late fees and interest payments.
All this has required endless hours on the phone and placing endless orders for gift cards which then have to be opened, scratched and copied. This has used about XXXX hours of my time at mind-numbing tasks. And for all his saying take your time he is extremely impatient.
People representing PayPal have spoofed PayPal information. Specifically they are using an XXXX number and a XXXX email account. I assume that they have managed to obtain the amounts that were charged to my credit card accounts. Its a complicated mess and, of course, PayPal will not take responsibility for authorizing the 23 transactions without checking with me.
Now, three months later my finances are a shambles. Im owed {$9500.00} to repay the checking account the money that was basically stolen from me. {$6700.00} was withdrawn from my XXXX savings account and has not yet been replenished. Plus Im more than $ XXXX in debt for my credit cards.
In addition, I should be reimbursed for the many hours Ive been forced to sit on the phone and be harassed by someone who is condescending, impatient and extremely nasty at times. I dont understand what the goal of maxing out my credit was. I was never notified by any bank that gift cards had been ordered from my accounts ( as the alleged reason for ordering more ). My hourly rate is {$75.00} ( which is low ). I estimate that this has cost me at least XXXX hours. Im owed {$7500.00} for my time plus the $ XXXX to repay the credit cards plus the money stolen from my checking and savings account.
In total, Im owed {$120000.00} and repayment should be immediate so I can get my life back.
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| 06/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 11/12/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear Sir XXXX Madam I will try to describe my current situation with my only XXXX XXXX XXXX. I must mention that XXXX is not my first language, so please forgive my shortcomings.
Recently on XX/XX/XXXX, I spoke over the phone to a customer service XXXX on both of the credit cards regarding a fraud alert and wrong statement balance for charges not authorized or made by me or anybody with authority to charge on these XXXX credit cards by me as a revolving charge with the different services like gym membership, XXXX XXXX XXXX and so forth.
So for the most part, beginning on XX/XX/XXXX I responded to a text that was sent to me from XXXX of the XXXX credit cards that I currently use as an alert to some suspicious charges for over a XXXX XXXX dollars that were charged on both of my credit cards. That called my attention. So from a balance averaging under {$350.00} a month to went up to over {$1200.00} according to their numbers. I took care of that thanks to the representatives, first XXXX credit card then the other.
That was ok then. But come Saturday XX/XX/XXXX and there I was again disputing charges, except that this XXXX time I could not speak to the XXXX instead I was transferred to their fraud alert department. Customer service representatives for both banks do not work on weekends.
XXXX alert representative later hung up on me, because he could not help me based on the fact that on his screen or sheet of balance only disclosed not the charges as they have been originated etc. because the previews account had been transferred over ( on XX/XX/XXXX ) but apparently the charges that I had called about to dispute were there still. He, the person on the other side of the phone could not argue or say nothing about those unauthorized purchases? total confusion and no answers.
They both advise me to call back on operating days. And so here I am. Please help.
The creditors involved are : 1 ) SAMS CLUB MC BY SYNCHRONY. Phone XXXX XXXX XXXX SamsClub.com/credit Approx.. monthly gym charge XXXX. with a previews total balance including the XXXX membership was {$650.00} according to the spokes person on XX/XX/XXXX Current balance as XXXX is ( - {$500.00} payment ) on XXXX # ending XXXX posted on XX/XX/XXXX and an existing balance for {$610.00} on XXXX # ending XXXX with a transferred balance on XX/XX/XXXX. for {$700.00} I don't recognize??
XXXX XXXX XXXX XXXX XXXX XXXX. Phone XXXX XXXX XXXX www.mypremiercreditcard.com currently disputing a previous balance of {$1200.00} for charges. I do not recognize most charges since the revolving charges for the cellular phone company amounts to less than $ XXXX. plus other charges but due to the lack of accessibility either via app.
I can not be as exact as I wish. The current balance on this creditor as of XX/XX/XXXX is {$1300.00} XXXX Apologize for the lack of exact amounts but as I mention above due to the lack of access on XXXX and white paper statements I can not provide with such information.
these creditors do not send mail consistently nor their telephone service work as it should since " only provides '' with limited information. That is, it mentions available credit and balance, it does not provide a cycle period Thank you in advance for your time and effort.
Sincerely, XXXX XXXX
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| 05/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB OLD NAVY XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 11/16/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I entered a contract with XXXX XXXX for home remodeling in XX/XX/XXXX. The work totaled roughly {$100000.00}. After 8 months ( XX/XX/XXXX ), XXXX XXXX did not finish the work. The work they had done was defective and did not pass city inspection. XXXX XXXX walked off the job and abandoned the project without fixing the defective work or completing the job. I filed a dispute with 3 credit card companies as well as with XXXX XXXX. After 8 months ( XX/XX/XXXX ), we finally settled and part of the settlement included my not rescinding the dispute on any of the credit cards, and that I would not owe the amount charged to those cards. 2 of the 3 cards complied with this and never required me to pay off those cards. However, the XXXX XXXX store card ( under Synchrony ) did not comply. We assumed they had, as we received no demand for payment until XXXX of XXXX, where they demanded repayment of roughly {$35000.00}, and they added interest of over {$9000.00}. When the card was opened, there was a 2 year, no interest term on the account.
If Synchrony felt that this dispute was resolved in XXXX favor when we reached agreement with XXXX in XXXX of XXXX, why didnt Synchrony send me a letter and billing then that showed that Synchrony did not find the dispute in my favor and required payment. At that time, I had a 2 year 0 interest term on my Synchrony card. Synchrony did not get in touch with me until XX/XX/XXXX to notify me that they felt I owed this money, plus over {$9000.00} in interest that had accumulated over nearly 2 years since the dispute resolution. Why did Synchrony wait so long to notify me that they believed I owed this money? Why was I never informed that interest was accruing? This is required by law under the Fair Credit Billing Act ( FCBA ) to be provided for each billing period in which a customer owes more than one dollar or on which they have been charged a finance charge. They are required to resolve the dispute within two billing cycles ( but not more than 90 days ) after getting my initial letter in XX/XX/XXXX. If Sychrony had determined that I owed any or all of the disputed amount, they were required to send me a written explanation in the required time frame. Synchrony did not do that. What it did was to send notice out of the blue nearly 2 years after the dispute ended stating that the balance was due, plus nearly 2 years of interest. The FCBA also states that any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct.
Furthermore, my credit reports shown a {$0.00} balance on this account for the past 2 years.
I opened a new dispute with the XXXX XXXX card, providing them with the written evidence from XXXX XXXX that states we will not be required to rescind the original credit card disputes or pay those balances, but the XXXX XXXX card/Synchrony, still refuses to honor that and insists on charging me the balance plus interest.
I appreciate your help in making sure this final mistake is cleared up immediately and to recognize the binding legality of the email agreement with XXXX regarding these charges with Synchrony. We do not owe any money to the XXXX credit card.
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| 08/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I had a joint account orginally with GE then Synchrony Bank ( name change ) that was open in XXXX XXXX. The terms of the purchase was a promotion that ended a year later. Monthly, most times Bimonthly payments were made directly from my bank account to Synchrony bank. I did complete the payments in XXXX. I got a letter from the Magistrate 's Court I believe in XXXX XXXX. I was being sued in a civil matter by Synchrony bank 's Collection Attorney, XXXX XXXX of XXXX citing non payment of the TOTAL amount of the credit! We appeared in court on XXXX/XXXX/XXXX. I presented over XXXXpage of bank statements showing the dates and amounts of the payments that were made to Synchrony. The Plaintiff 's attorney had no proof of non payment. The Judge taliied the payments and found it to be paid off and found in my favor. In XXXX XXXX I got notice that a default judgement was ordered against me for the amount that I had proven already paid plus court costs. I had gotten Notice of Appeal or Court date ... ONLY the judgement. I went to XXXX and immediately filed a petition to srike the judgement ( i becane an XXXX in 4 hours )! A few days later I got the notice of the judge granting my petition & a new trial date was set for XXXX/XXXX/XXXX. The following day I got XXXX XXXX acknowledgement. On XXXX/XXXX/XXXX I took the bus to XXXX and the plaintiff 's attorney never showed so the judge ruled in my favor. An appeal was never submitted as I did not receive any notice as clarification was noted as to which address they should send any information to. So stand. my original finding & judgement from XXXX/XXXX/XXXX that the credit was paid off. I submitted the dispositions to XXXX, once in XXXX and again in XXXX. They removed the entry from my credit file. I was unaware that I had to individually submit documents to all XXXX bureaus. Recently I had my credit run as I am trying to obtain a VA home loan. The agent informed me that my XXXX was XXXX, they could n't get my XXXX and XXXX was XXXX. He informed me that Synchrony/Home Design was listing a charge off for over {$5000.00}! I uploaded and mailed all XXXX bureaus the court documents and waited a month and XXXX and XXXX remained unchanged. I called both. I was told XXXX review was on going BUT XXXX stated they could not remove the listing because there is no link between Synchrony and the court documents! I then proceded to send them XXXX pages of court files clearly depecting the link between Synchrony Bank, the amount they were pursuing, their collection agent XXXX XXXX of XXXX and the XXXX Court Rulings in my favor. After many hours of frustrating phone calls I do not know what else they need to remove this negative from my file. I have paid Synchrony, proven that in a US court, paid additional money to file petitions, won that, travel to XXXX, fax and mail several pges of documents on more that one occassion and they STILL do not have enough evidence! Synchrony handed the case to a debt collector. Contacting them INSTEAD of the debt collector will keep me in the same place since my court documents are not enough for these credit bureaus. I have lost all patience, my character has been slandered and I have no more money to out into fighting a case that should never had been. Please help!
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| 01/12/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/2022 I applied for SYNCHRONY Credit Card with SYNCHRONY BANK and was denied by an adverse action letter sent through postage. I have to admit I have been very ignorant of the Laws that protect consumers from discrimination like this. It has become very clear to me that financial institutions such as this one have no regard for the LAWs that protect consumers from such discrimination. I have offered a very simple solution to move forward with business as usual, but SYNCHRONY BANK has no intention of recognizing who I am as the soul signatory to the account ending in XXXX. I have also stated in my adverse action letters that I know in " FACT '' that I am the originator of credit. SYNCHRONY BANK is NOT providing me with credit, I am extending my credit to SYNCHRONY BANK which is coded in Title 15 sec.1691a ( b ). By accepting my application they have accepted trusteeship in a fiduciary obligation and I have yet to receive any benefit for their use of my private account information.
I would like to add the definition of a Creditor : a person who, in the ordinary course of business, regularly participates in a credit decision, including setting the terms of the credit. The creditor includes a creditor assigner, transferee, or subrogee who participates. The term creditor also includes a person who, in the ordinary course of business, regularly refers applicants or prospective applicants to creditors, or selects or offers to select creditors to whom a request for credit may be made. A person is not a creditor regarding any violation of the act or this part committed by another creditor unless the person knew or had reasonable notice of the act policy or practice that constituted the violation before becoming involved in the credit transaction. THE TERM DOES NOT INCLUDE A PERSON WHOSE ONLY PARTICIPATION IN A CREDIT TRANSACTION INVOLVES HONORING A CREDIT CARD.
Title 15 sec.1691a ( d ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.
( f ) The term " person '' means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
Under the ( U.D.A.A.P ) Unfair, Deceptive, or Abusive Acts and Practices, this delay of benefits has caused monetary harm to my family and me by denying access to products and services that I the " applicant '' have in good faith applied for.
Such discrimination could have been avoided by SYNCHRONY BANK if A representative from SYNCHRONY BANK would have and could have conducted a proper interview with me to further gather information to overturn this denial.
SYNCHRONY BANK assumes I am incapable of managing my account/affairs based on misinformation provided by XXXX alone which is known for deceptive business practices and the CFPB has a record of that.
I gave SYNCHRONY BANK ample time to correct their wrongs but to no avail have not answered any of the " Facts '' I have provided to them.
All this information is Public Knowledge and can be researched, which would hold SYNCHRONY BANK under Title 15 sec. 1611 Criminal liability for willful and knowing violation
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| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB/MERVYNS XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 02/25/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX 's sold us new windows and a sliding door with installation included. As of XX/XX/XXXX - when we filed a complaint with the XXXX XXXX XXXX- we still do not have correctly installed windows ( including a window with visible gaps to the outside ), the sliding door will not effectively lock from the interior or exterior, and we have a pile of trim that has been sitting outside at our home since XX/XX/XXXX. Between the time we signed a contract with XXXX - XX/XX/XXXX - and XX/XX/XXXX, XXXX never once proactively followed up on any aspect of a process they messed up every step of the way. We can not trust that there will be any follow-up from XXXX, that things will be installed correctly or in any kind of timely manner.
Credit Card company says they can not refund us, all they can do is let XXXX 's know of our complaint. We have made every payment up to when we filed first dispute.
Goods and services were not received at all within expected receipt date of XX/XX/XXXX ( as per contract ; customer had to follow up multiple times just to get install date scheduled ; never once heard proactively from XXXX ) or XX/XX/XXXX ( when they arrived months late and damaged, after multiple attempts at contact by customer, never by store ). As of XX/XX/XXXX - when we filed a complaint with the XXXX XXXX XXXX- we still do not have correctly installed windows ( including a window with visible gaps to the outside ), the sliding door will not effectively lock from the interior or exterior, and we have a pile of trim that has been sitting outside at our home since XX/XX/XXXX. Between the time we signed a contract with XXXX - XX/XX/XXXX - and XX/XX/XXXX, XXXX never once proactively followed up on any aspect of a process they messed up every step of the way. We can not trust that there will be any follow-up from XXXX, that things will be installed correctly or in any kind of timely manner.
The goods and services were defective ( install ) and damaged ( sliding door and one window arrived damaged ) ; windows were installed incorrectly ( in breach of contract ), thus services were defective.
There was NEVER follow up from XXXX on at any stage of this process. We have called and visited the XXXX store multiple times ( weekly calls and emails ), called XXXX corporate tens of times, attempted to file disputes with the XXXX credit card. We have still NEVER heard from XXXX XXXX, any of the district or regional managers that we were told this issue had been elevated to, and still dont have a door that effectively locks or windows installed correctly, 1.5 years after ordering and almost 11 months after faulty install.
We have in good faith attempted countless times to resolve this issue.
XXXX had not once attempted to resolve things in 18 months. We did not hear from XXXX until we filed with the XXXX XXXX XXXX on XX/XX/XXXX. At this stage, after 18 months of us trying to rectify the issue, we requested a full refund from XXXX. We can not trust that there will be any follow-up from XXXX, that things will be installed correctly or in any kind of timely manner. We have six ( 6 ) pages of notes, included in this claim, on how we have in good faith attempted to seek resolution, and how XXXX has never initiated response nor have fixed things.
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| 07/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Problem with customer service
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Web |
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Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a credit reporting company 's investigation into an existing problem NOTE : I WANT ALL CORRESPONDENCE TO COME TO ME VIA MY EMAIL ACCOUNT PROVIDED AND NOT PAPER COPIES THROUGH THE MAIL. This is a current issue Synchrony appears to not understand how to correct. We have been working on this for months with no result. I need this corrected ASAP!!!!! I spoke to " XXXX '' on the phone and was under the impression everything on my report was adjusted to what it was before this miserable bank came into my life through a TJ Maxx and SteinMart credit card. Both of these cards are managed by the same bank. I believe one of the issues is an incorrect address on my SteinMart account which I eventually found out about and correct via a phone call to them in XXXX. How could one part of Synchrony ( TJ Maxx ) have my correct address and the other part of Synchrony ( SteinMart ) have an old adderess? Am I supposed to be able to go into their system ( since they seem to be unable to ) and compare this information and fix it? I ca n't see what is in their system. My addresses now match ( from what I am told ) but those bad marks ( once again due to their poor record keeping ) need to be taken off of my credit report. This is not my fault. I only want this case closed when I had no bad marks on my credit history in reference to Synchrony Bank. I also want them to adjust the reporting to the credit bureau to adjust the points reported for my closing my accounts with them because I was so sick of dealing with them and their incompetent employees. I would not have closed those accounts otherwise. This is the only information I want to see from them : TJ Maxx Account Numbers involved What caused the issue What did the phone calls that I made to the company reflect For each particular date/month with an issue I want to know what is the specific problem and what has been done about it. What still needs to be corrected that is showing red. What needs to be done to correct it SteinMart Account Numbers involved What caused the issue What did the phone calls that I made to the company reflect For each particular date/month with an issue I want to know what is the specific problem and what has been done about it. What still needs to be corrected that is showing red. What needs to be done to correct it I need this corrected so there shows no issues with Synchrony bank anywhere on my credit report. I will keep submitting complaints until each item is addressed and corrected because this was all due to the incompetency of Synchrony Bank. Please feel free to do a XXXX search on Synchrony Bank reviews. They are horrible. People complaining about the same thing I am. They have more bad complaints than good. Once again, I will continue to open complaints until there are no credit issues showing on my credit report associated with Synchrony and they have reported this to the credit bureau so my excellent credit standing can be restored. Please take " XXXX '' off of my account and escalate the case to someone more competent. Thank you!
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| 09/12/2016 |
Yes |
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Web |
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I made a {$100.00} payment on my XXXX Synchrony Bank account on XXXX XXXX, 2016 through their automated phone payment system. I entered my bank 's routing number and checking account number as well as the amount I was paying which was {$100.00}. My Synchrony Bank account number was entered prior to making the payment. Before completing the call, I received a confirmation of the all the information I entered and a confirmation code. My XXXX XXXX, 2016 checking account bank statement shows the payment was made to Synchrony Bank and the funds withdrawn from my account in the amount of {$100.00} on XXXX XXXX. On XXXX XXXX, 2016 I received a collection letter from Synchrony Bank stating their records show we are past due for the month of XXXX. I immediately called their customer service number on the letter and explained that it was paid based on the information stated previously. They said they would look into it and call me back. I received a call back the same day and they told me the confirmation number does n't exist and we need to provide proof of payment. My wife pulled our checking account bank statement to show me that we do have proof of payment. I read off the description on our bank statement to the representative and they confirmed that the description on our bank statement is a legitimate Synchrony Bank description for phone payments and it has the confirmation code on it that they say does not exist. The representative said they will research further and get back to us. On XXXX/XXXX/16 we receive a letter from them stating that the payment in question has not been credited to our account and we need to fax proof. The next day we faxed our proof of payment to the number on the letter in the format they requested. After that we received no call back so we had to contact them. They told me that XXXX of the pages was illegible. I re-faxed on XXXX/XXXX/16 and exploded the view three different ways so they would be able to see it clearly. On XXXX/XXXX/16 they still had n't called me back so I called them once again. I had to explain everything again to the representative who seemed to be a bit more helpful but still no resolution. He researched the issue and had trouble finding the payment so he said he would elevate the claim to " Finance ''. On XXXX/XXXX/16 a representative from Finance called and stated they needed some time to research the issue and would call me back. As of today, XXXX/XXXX/16, there was still no response so I called them only to be put through the same process. I am extremely frustrated at this point. They have been telling me their Payment Research Center handles these issues but ca n't give me a phone number for them because it does n't exist. I asked for the phone number for the CFO for Synchrony Bank and they told me that number does n't exist either. They send me to Client Affairs and she tells me basically the same thing the representatives have been saying only she promises to get this resolved. I told her I want my account credited for the {$100.00} payment and the charges associated with this supposed late payment reversed today. She said she does n't have the authority to do that so I am once again stuck in this trap of no help, my money is missing, they have it and wo n't help me.
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| 10/30/2023 |
Yes |
- Credit card
- Store credit card
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- Struggling to pay your bill
- Problem lowering your monthly payments
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Web |
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On XX/XX/2023 around XXXXXXXX XXXX I went to mySynchrony website to download my monthly bill for Lowe 's Credit Card. I found that the statement showed a variety of ways to have the interest calculated. Reading over them, I believed the amount of interest charged to my account would vary significantly depending upon which one was used but there was nothing stating which method is currently being used to calculate the interest each month. I then went to the live chat and asked to have a live agent as the system now gives you an AI bot automatically. When I started the chat with the a human being, I proceeded to explain to about my financial situation which is very restricted as I am single, on XXXX, and have no other source of income. Still I have made payments on time toward my purchases on the Lowe 's Credit Card every month for over a year, for greater than the minimum amount due. My credit score is also very good as I strive to keep all of my bills current despite being considered in poverty. I told the agent that the interest on the account was hurting me financially as I was making payments around $ XXXX but being slapped with around {$45.00} of interest each month so I was essentially only making half the payment. I then asked, based on my account history, to either have the interest rate lowered or the means of calculating the interest changed. I was immediately told that I wasn't a candidate for having the interest rate lowered. I was surprised given my efforts toward my financial status. No explanation was provided as to why only that they could not offer it. I then asked further about the means of calculating interest on the account. The representative at first seemed to ignore my question referring in her response only to the interest rate itself ( XXXX ). I told her that she was not answering my question several times before she finally asked what I was referring to. I then proceeded to tell her I was looking at my monthly statement where there are multiple detailed descriptions of methods for calculating interest. They were named XXXX, XXXX, XXXX, XXXX & XXXX. I wanted to know which method was currently being used for calculation on my account and if we could request that a different one be used ; if so how to do that. But she seemed to have no clue what I was referring to. At first she didn't seem to think these different methods of calculation existed at all. Then she asked me where I was seeing this information at. When I specified it was on my current statement, page 2 she then asked to put me on hold while she uploaded my statement. She then specified I was on XXXX and there wasn't another listed. But then she said to wait while she looked again. After a few more moments she told me she could see all of the descriptions I was referring to but that these were only for " information purposes '' and not options. I expressed to her that the company definitely needed to clarify this as to most consumers reading these descriptions on a statement it would appear that these are option which we can choose from based upon which is best for our financial picture. She apologized and stated she would give my comments as feedback to the company. But I was given no assistance overall toward lowering my payments
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| 04/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I have been a CareCredit ( Synchrony Bank ) cardholder for over twenty years. In that time the card has been used responsibly for various medical, dental, and veterinary expenditures. At one point I actually had two accounts : one with a limit of {$3700.00}, and another with a limit of {$4000.00}. I have always paid per the card agreements on or ahead of time with monthly installments, and the balances were always paid in full.
On XX/XX/XXXX, I received an email notification from XXXX XXXX that one of my accounts had been closed. Upon investigation, I discovered that the CareCredit account with the {$4000.00} limit had been arbitrarily closed without any advance communication from Synchrony Bank. ( I also learned that the {$3700.00} limit account had been closed unbeknownst to me on XX/XX/XXXX - before I was enrolled in XXXX XXXX. ) This action immediately lowered my credit scores ( 8 points on XXXX XXXX, and XXXX points on XXXX ), and simultaneously jumped the amount of credit utilization I appear to be using!!! In addition, this happens to be one of the longest standing accounts I've owned!
Upon discovery, I contacted CareCredit 's customer service department ( on or about XX/XX/XXXX ) and requested to know why the account had been cancelled. I was told it was due to a long period of " disuse. '' I remarked that this card isn't intended for general, everyday use, that it is geared for 'extra/unexpected ' expenses such as would be likely from medical, dental, or veterinary needs. I added that I was given no advance notification of the bank 's intent to close the account, whereby I would've made use of it to keep it active - like a recent experience with another large creditor. I then requested that it be reinstated, upon which I was told that couldn't be effectuated. Instead, however, I was invited to " re-apply, '' which would further adversely affect my score with a hard check!
I find this disturbing on several levels : - As a responsible consumer, I was given no chance to demonstrate my desire to maintain the account ( s ). I was actually just about to reach for it to help manage a planned veterinary expense ( dental - which always involves lab work & XXXX and is expensive to the tune of +/- {$1000.00}. ) - This bank has just lowered my credit rating by making it seem as though I'm now suddenly using more available credit by virtue of removing {$4000.00} ( plus another {$3700.00} in hindsight ) from what was previously available to me, and through no fault of mine! Not only is this non-transparent, but why is it even allowable with no advance notice?!!
- There is absolutely no regard from the bank for the consequences of their silent actions upon the conscientious consumer.
-When quickly brought to their attention that I wish to responsibly maintain my account, they refused to re-instate it, yet welcomed me to sign up for more of the same XXXX tactics in some potential future scenario with a " new '' account.
- That I have to take time out of my schedule to bring this to the attention of a third party, in the hopes of a respectable resolution, when I've done nothing to invite this demerit, is, to my logic, ludicrous.
- I wonder how many others have also been negatively impacted by this bad actor.
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| 05/06/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/2019 Synchrony Bank decreased my XXXX XXXX XXXX Credit Card credit limit by {$130.00}. It is only {$130.00} but decreasing someone's credit limit does affect their credit report negatively. I called Synchrony Bank on XX/XX/XXXX after I received a notification from XXXX that there was a change to my credit report, it was then that I first learned about the decrease in my credit limit. At this point I did call and talk to customer service about why they decreased my limit and I told the lady then that this impacts peoples credit scores and negatively affects peoples credit and that I was not happy about this even though it was only {$130.00}. I have several accounts with Synchrony Bank as the creditor. Some of those accounts have been paid in full many times and this particular account has been paid in full a time or two as well. In the last couple of months I have paid at least two of my Synchrony Bank credit cards off in full. The letter I received states that I have used too much of my credit limit in the last six months, ok if this is the case and they didn't want me to utilize my credit limit then why give me that high of a credit limit and they gave me a credit limit increase in the last 6 months. They stated that my current balance is too high compared to the highest balance in the last 3 months, I have paid this card off before and had a high balance and it wasn't a problem then but apparently it is now. I always pay my credit cards on time and at least the minimum amount due, when applicable I will pay more than the minimum. They stated that the amount of my payments compared to balance over the last 12 months on this account was too low, ok they have the ability to set the minimum payment due so if they want a bigger minimum payment then why not ask for a bigger minimum payment. Never had this issue before with Synchrony Bank. Obviously they don't look to see how I have handled my credit card accounts in the past or my other credit card accounts with them. In my opinion Synchrony Bank is just out to ruin people 's credit reports, people who have worked hard to keep their good credit history by making on time payments and at least the minimum payment due and I am being punished for it. They also stated that the percentage of times payment greater than amount due over the past 12 months on this account. Like I said I do sometimes pay more than the minimum payment. Also not to mention another issue that I have had with Synchrony in the last couple of months ... .I have a TJ Maxx credit card which is issued by Synchrony Bank . They issued me a second TJ Maxx Store credit card when I already have one, the card that I already had was supposed to have been changed over to a TJ Maxx Synchrony Bank Mastercard which never happened, like I said they issued me a second TJ Maxx store card so now I have two TJ Maxx Store Cards on my credit report because of them. I called several times trying to get them to fix this issue and I was told there was nothing they could do ... I never asked for a second card and if I had one why would they issue a second card, makes no sense. This is another thing that happened to me that has affected my credit score. This mishap on their part caused my score to decrease 9 points.
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| 02/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My son is a new 1st time home buyer & a part of his new chapter of his life is getting the pieces in place to set him up including bedding. We had already decided on a regular mattress from a big box store when my sons went into the Mattress Firm store # XXXX. His sales rep XXXX made an entire presentation that not only sold my son but me too as neither of us realized the differences in our sleep situations! All of the financing & delivery options were set in motion & we were stoked! Then, we werent. It started with my delivery to my home & the base of chosen the XXXX XXXX not being able to fit thru my staircase ( as if explained to XXXX during the sale was an issue I had 3 years ago ) so my delivery was botched although was somewhat recovered by XXXX bringing a platinum base for a future delivery of the base one step down from the XXXX. Apparently with all of the sales pitch given it was not noted that the smart base does not come in two pieces but one solid one. My sons base, the XXXX XXXXXXXX, stopped working after one day. He attempted to troubleshoot the issue with customer service a few times then was told to contact the store. Spoke with our original sales rep XXXX who advised will have a replacement sent out. An appointment was set for today XX/XX/21. Over the course of this week we received updates to the wrong address, called & confirmed the actual delivery address & was assured it was going to XXXX XXXX XXXX NOT XXXX XXXX. Truck comes to XXXX. I work from home 10-11 hours a day 6 days a week therefore I can not allocate the time it takes to redirect deliveries and the miscommunication of the Mattress Firm staff. It jeopardizes the job I actually am assigned & employed to do. After a brief & uncaring conversation with the delivery people that came to my home office we Placed a conference call to the store and spoke with XXXX the store manager at the XXXX DE location store # XXXX took the info shortly determined another truck was on its way. Obviously we are both very upset & stressed. We were looking for this to be resolved once & for all with XXXX who then became extremely unprofessional and inconsiderate lacking empathy telling us to have a nice day & then hung up without an apology or assurance. The delivery personnel that did finally left my sons front door wide open while they delivered his base to his 3rd floor which caused his 8 month old puppy to run out. He had to chase her 6 blocks in his slippers in the snow & ice because of their negligence. Once he returned with her he found that his footboard & railings had been removed & cast aside without being properly put back in place. When we first made the decision to make this very large expensive purchase we didnt even think about the cost as we were completely sold on the experience & excited really really excited to begin this awesome new journey to better sleep! It was supposed to be stress relieving and invigorating. This experience has been anything but. Also since my base was downgraded I have YET to receive the reflection on the difference in my financing which is affecting my credit report and rating. I can promise this ; I will NEVER purchase or recommend Mattress Firm to anyone and write this experience to all who care to read about it.
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| 07/18/2016 |
Yes |
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Web |
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Synchrony Bank issued a furniture finance card without disclosing there are limitations on which retailers ( in their network ) will accept them.
I opened a Synchrony Financial furniture card to finance the purchase of XXXX mattresses in XX/XX/2015. When I opened the account, there were no notices or disclosures of ANY kind which indicated these account would only be accepted by certain retailers under the umbrella of merchants who accept Synchrony Financial financing. In other words, while many retailers accept the Synchrony card, not all take the type I was approved for. This was never disclosed to me in any way, shape or form in any of the loan documents, notices or disclaimers.
I attempted to purchase these mattresses back in XX/XX/2015 with this card. One month later, the retailer, the XXXX XXXX, ( the location who processed the application for me ) notified me they would not be able to deliver the specific merchandise I sought after all.
I then purchased the merchandise through a second retailer, XXXX XXXX XXXX. Three months later, this company still had not delivered the merchandise I was charged for. Finally, Synchrony gave me a refund since I never received the merchandise I purchased.
Now, I am trying once again to purchase these mattresses from the last retailer in their network who carries the models I want. A company, XXXX XXXX XXXX XXXX XXXX, has the items in stock and accepts Synchrony Financial cards.
I contacted Synchrony on XXXX/XXXX/15 and XXXX/XXXX/15 and was assured by XXXX different supervisors they saw no reason my card would n't be accepted at this retailer. They assured me I should have no problem. But, of course, there was a problem.
When XXXX, the owner of XXXX XXXX XXXX XXXX XXXX tried to process the Synchrony card, the company told XXXX he is n't allowed to accept this type of Synchrony card, despite the fact it was confirmed to me multiple times he would be able to.
I contacted Synchrony several more times. On one call alone, I was passed to XXXX different people, some of whom simply hung up on me, all did nothing to help. Eventually, I was forwarded to an apparent supervisor, XXXX whose badge ID number is XXXX. XXXX told me there was nothing I could do and I would have to re-apply for another credit line specifically through XXXX XXXX. She promised I would receive a callback form the corporate office and I could address my concerns with them, however, I received no such call.
This is outrageous and completely unacceptable. I have an existing credit line. Why would I close this line, thusly damaging my credit rating, and then take another " hit '' on my credit report to open a new line? It 's preposterous and insulting. Furthermore, I 'm sure the application would be rejected for " too many inquiries, '' " too many cards though us, '' or some other nonsense. This suggestion is infuriating beyond my comprehension.
I have another credit card account ( Wal Mart ) through Synchrony. I have been an exemplary and loyal customer to this bank. I do n't feel I deserve to be treated like this. If Synchrony chooses to deny my request after they failed to disclose the limitations of the account I was approved for, I have no choice but to pursue a case against them in court.
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| 12/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/2021 I made a payment using by XXXX XXXX XXXX XXXX checking account to make a payment through the Synchrony bank app in the amount of {$3600.00}.
The next day I checked the app to make sure the payment was properly processed and credited to my credit card account. When I proceeded to check pending payments or payments made to the account, the system was not showing my payment as posted or in a pending status. At the moment I was under the impression I did not properly execute the payment the previous evening. I resubmitted the payment request on XX/XX/2021 in the amount of {$3600.00}. The payments were debited from my checking account respectively on XX/XX/2021 and XX/XX/2021 in the amount of {$3600.00}.
On XX/XX/2021, I called Synchrony bank and explained the situation to a representative. The representative advised me they will be able to issue a refund check and it would take anywhere from XXXX business days for me to receive the refund check. I was in agreement with a refund check being sent to me at that moment.
On XX/XX/2021, I contacted Synchrony bank again advised them I have not received a refund check to date. The initial representative I spoke with advised me a trace would be done on the check and if the trace returns showing the check has not been processed, another refund check would be mailed with XXXX business day for receipt.
I kindly asked the representative if an exception could be made that the the funds are sent back to me electronically. The representative told me they ( XXXX ) were not able to submit the refund electronically. I advised the gentleman I have waited a month and I have other obligations that need to be met and also this is the holiday season. The representative reiterated XXXX is unable to make such a transaction. I explained the representative I was going to make a complaint with banking regulatory agencies about this issue. The representative advised he would have to transfer me to an Account Manager for further resolution.
I spoke with Account XXXX XXXX and she basically reiterated what the previous representative told me. I asked XXXX to kindly transfer me to her supervisor or someone of higher authority. XXXX then transferred me to another Account XXXX named XXXX. I explained the situation to XXXX ; I even advised him Synchronys app regarding the specifics of my account was not showing current or up to date information and this led me to make another payment on my account that was not required. XXXX also advised he could only send me a refund check in the mail.
I asked both XXXX & XXXX for the telephone number and/or email contact for XXXX XXXX XXXX team and both of them advised me they only have an address to submit my complaint. While I had XXXX on the line, I conducted a search via XXXX for executive contacts for the bank. I advised XXXX I found the contacts below and he confirmed these are official contacts at the bank. Please see below : XXXX XXXX XXXX XXXX XXXX, Complaints XXXX Inquiry Response Leader XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Corporate Consumer Relations XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX I stated to XXXX I will be contacting the individuals I have listed as well as the regulatory agencies outlining this issue.
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| 09/05/2015 |
Yes |
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- Advertising and marketing
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Web |
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I am writing to formally file a complaint regarding my CareCredit account, as outlined in the NY Attorney General 's " Assurance No. : XXXX ASSURANCE OF DISCONTINUANCE UNDER NEW YORK EXECUTIVE LAW SECTION 63, SUBDIVISION 15 '' ( attached ), and request that all interest be removed from my account. In exchange for such a show of good faith I can immediately pay off all remaining principal. Regardless, I will be following up with the XXXX, the CFPB, and engaging counsel to exhaust every possible avenue of recourse.
The following specific language in the assurance applies:1. I was informed that I would pay the {$4600.00} balance interest free ( paragraph XXXX ).
2. There was no discussion of a non-zero interest rate or what to do to avoid the payment of interest ( paragraph XXXX ) 3. In reality, I was signed up to dutifully make minimum payments that triggered a 26.99 % interest obligation after month 18 XXXX paragraph XXXX ).
4. I was therefore not adequately informed that I would owe interest if my balance was not paid in full upon expiration of the promotional period, the rate of interest, or that the applicable interest accrues on the outstanding balance during the promotional period from the purchase date. ( paragraph XXXX ). This " misrepresented CareCredit 's terms and conditions in connection with the opening of an account in the Provider 's office and a charge placed on the account at that office. '' ( XXXX ) I therefore request that " a signed application and signed and countersigned Exhibit XXXX ... XXXX and XXXX sales receipt '' from the transaction be obtained5. Separately, after gathering these facts I was told repeatedly on the phone ( call placed XXXX XXXX XXXX XXXX/XXXX/2015, speaking with EID : XXXX, XXXX and XXXX : XXXX, XXXX XXXX that I could not make this complaint over the phone. This appears to be in direct conflict with the XXXX statement that " CareCredit will accept complaints from consumers by telephone or in writing, at the consumer 's option. " Further detail : In XXXX a CareCredit account for {$4600.00} was opened to pay off my LASIK surgery done at XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX ). The office manager put together the CareCredit paperwork and verbally explained to me that I could either a ) " pay the full amount now '' or b ) " pay the amount interest free ''. I elected b ), quickly enrolled in automatic payments, and watched balances be deducted monthly from my account, initially noting that the statement balance was decremented by my payments consistent with the explanation given to me. I lost my wallet on XXXX/XXXX/2015, and in the course of replacing my credit cards and reconfiguring my autopay obligations checked on my CareCredit account. I was shocked that my balance was so high and placed a call to CareCredit customer service on XXXX/XXXX/15, where I spoke with XXXX XXXX XXXX XXXX XXXX. I explained that I had been " misled '' about the terms of the credit card which were " misrepresented '' when the account was opened. A manager reduced my interest payments by {$850.00}, leaving a statement balance of {$3000.00}. He estimated I had paid {$3200.00} to date, resulting in a total estimated interest obligation of {$1600.00} over the lifetime of the account!
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| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Firstly, I don't have an account with you, but I have logged complaints with you, one that dealt with this credit card account. If a CFPB account was opened, it belongs to the fraudulent party.
My issue is with a XXXX-turned-MC account, which was first issued by GECRB, then switched to Synchrony Bank, then was sold to XXXX XXXXXXXX. If my account was sold to XXXX XXXX, then why is Synchrony Bank suing me for it? Perhaps, this is why the statement copies don't match mine. I've requested them twice to verify they have the correct account, but they've sent me the same statements each time and they're not exact copies. And the last statement " copies '' didn't even show Walmart 's MC logo or little icons. They redacted other things, like most of my account number and address, so they could've redacted Walmart 's signifiers, instead of erasing them entirely.
Also, there were two customer service phone numbers on the last statements : XXXX and XXXX. The former has been on my statements since the beginning, when my card was still a XXXX.
I originally tried to handle this through your site, then was contacted by XXXX XXXX from Synchrony Bank, but someone disputed my credit file through the CFPB and was able to get some accounts -- legitimate accounts -- deleted. For my Walmart Disc/MC, it was replaced by XXXX XXXX XXXX -- the company who bought my account from Synchrony ( not XXXX XXXXXXXX? ) -- but my entire 5-year payment history, from XXXX, was erased. I made most of those payments in-store, for which I still have receipts.
Lastly, I found, some time back, Walmart 's online grocery checkout system on my computer. I'm assuming it was an app, but I've never downloaded apps. In fact, I just recently filed a complaint with the FTC about someone downloading apps illegally on my laptop.
Synchrony Bank won't respond to my calls regarding my account. If they tried to send correspondence through the mail, my mail was diverted by some stranger before XXXX 2020. I filed a police report, but the police aren't actively investigating my case.
Synchrony, though, has said that they will only go through the portal, but I've stated that I wouldn't come here after someone was allowed to dispute my credit file with XXXX without having to give them my PIN to release the security freeze. So, they've ignored me and my calls, but I have addressed these issues with the rep from the law firm they're using -- XXXX, XXXX, XXXX XXXX XXXX in XXXX, Tennessee. I gave her my DOB and partial SSN for her to research. She said she would send me the statement copies I've requested or dismiss the case if she couldn't find my account.
That doesn't help my credit file. I want my 5-year payment history back where it belongs, along with my original account info. It was opened as a XXXX card ending in XXXX, but I received XXXX ( last digit changed ). There have been other odd things about this account, but I'm not going to belabor those issues here.
I do think it's odd that they would remove the Disc/MC from my credit file. Just because XXXX bought it doesn't mean Synchrony Bank has the right to remove their info from my credit file. It's ludicrous. I don't understand how they can be granted that level of reach in a consumer 's file.
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| 08/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XX/XX/2020, my husband and I purchased a vacation package from XXXX, using our MasterCard issued by Synchrony Bank . The amount billed was {$2800.00}. In XX/XX/2020 we received the following email from XXXX stating that they were canceling our reservations and were not going to refund our money : From : " XXXX Customer Service '' XXXX Date : XX/XX/2020 at XXXX XXXX EDT To : xxxxxxxxxxxx Subject : YOUR XXXX CANCELLATION Dear Xxxxxxxxxx Please be advised that, due to the DO NOT TRAVEL alert issued by the US State Department due to Coronavirus ( COVID-19 ) threat we have cancelled your upcoming international trip.
The Department of State advises U.S. citizens to avoid all international travel due to the global impact of COVID-19.
Please note : XXXX paused operations on XX/XX/XXXX as this crisis was unfolding, so we ask that you please note the following changes to normal procedures : Your resort reservation will be cancelled automatically. All cancellation fees have been waived. You will need to speak to your credit card 's issuing bank for your options as a cardholder. If you wish to reschedule your stay to a later date, please do so directly with your selected resort, although we are of the understanding that many resorts in your selected area have temporarily suspended operations.
If your vacation includes flights, your flight portion will be cancelled when the airline you have booked officially cancels your flight, or within the next seven days, whichever comes first. Each airline is handling this crisis differently, and refund policies are changing by the day. Again, speak to the airline about your options, and to your credit card 's issuing bank for your options as a cardholder.
XXXX ID : XXXX Cancelled : XX/XX/2020 at XXXX XXXX Cancellation details for XXXX XXXX XXXX XXXX All Adults/All-Inclusive Resort Cancellation Penalty : None Cancellation details for XXXX XXXX XXXX Cancellation Penalty : Your flight will be non-refundable _____________________________________________________________ As the email states, we contacted our credit card company ( Synchrony Bank ) In XX/XX/2020 and filed a complaint with them. We received a letter from Synchrony dated XX/XX/2020, denying our refund request. Synchrony stated that the reason for denial was the sales transaction appears to be authorized by you and/or received by you. While it is true that we authorized this purchase, we never received any services because XXXX cancelled our reservations. On XX/XX/2020 we re-filed our complaint with Synchrony and faxed them a copy of the XX/XX/2020 email from XXXX It has been over 60 days since the second complaint was filed and still we have gotten nothing in writing from Synchrony regarding this second complaint. On XX/XX/2020 I spoke again to a customer service representative from Synchrony and she said our second complaint had been closed, although we have never received any formal notification of this closure, nor the results of their findings from this investigation. I was told on XX/XX/XXXX by the Synchrony representative that she would re-open the case. In summary, it has been over 120 days since our initial complaint filing with Synchrony Bank and we are still waiting on a resolution to this issue.
|
| 06/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB/PPC XXXX XXXX XXXX XXXX, WI XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 03/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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On XX/XX/18 I made a purchase from XXXX XXXX XXXX on their website for 4 bottles of XXXX XXXX XXXX XXXX for a total of {$1600.00} with my Paypal credit card issued by XXXX XXXX. Minutes later, I received a phone call from the fraud department at XXXX XXXX in which I spoke to a representative who informed me that not only was my transaction flagged for suspicious activity, but also completely cancelled. I kindly asked the representative to hold for one quick minute because the transaction was both intended by me and that I wanted to repurchase the bottles before we spoke any further. I went back to the website to repurchase the 4 bottles using another credit card and found that the bottles had already sold out. This all happened in a span of mere minutes.
I returned to the call with the representative from XXXX XXXX and told her that now we had a substantial problem ; the bottles were bought by someone else. I told her that was not surprising as I had immediately acted on the marketing email from XXXX XXXX XXXX because the next cheapest price for the exact same wine in the United States was likely near {$800.00} ea, {$3200.00} total. As I have researched, the cheapest available price for 4 bottles available at a merchant in the US is {$790.00} per bottle, {$3100.00} total.
The representative acknowledged her sorrow but stated that fraud monitoring is for the protection of the consumer, etc, etc. I explained that I knew that when used properly, the consumer is not liable for credit card fraud, but the issuing bank is liable. Fraud monitoring is for the benefit of the issuing bank - I am wholly aware of fraud monitoring systems, I am on the executive management team of a bank that employees fraud monitoring on a debit card program. The representative did acknowledge that I was correct in my reasoning that fraud monitoring is used to reduce losses to the issuing bank due to card fraud.
This was not the first time that XXXX XXXX had acted in this way. I have had several previous transactions with different wine merchants cancelled by Synchrony. I have previously called their fraud department to explain that while I understand these transactions may look suspicious in general, that I routinely make purchases like this and to not cancel these transactions. If they needed to call and verify, that would be welcome, but please do not cancel. The other transactions led to no loss, I was able to make my purchase with another card - of course with some level of embarrassment with the merchant as my initial payment source was declined. However, this transaction has caused a substantial loss as I can't purchase the wine at a price even remotely close to the price that I had actual confirmation of purchase for. XXXX XXXX made a decision to step in the middle of a legitimate transaction that I made with their card at a merchant of my choice.
XXXX XXXX made the decision to cancel my transaction and has caused financial harm in spite of my actions to immediately repurchase the goods and previous attempts to inform them of my spending habits to modify their fraud monitoring algorithm on my account or proceeds of how they deal with suspicious activity on my account ( call and verify instead of cancel and call ).
|
| 03/06/2016 |
Yes |
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Web |
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XXXX/XXXX/XXXX I made an on-line payment through samsclub.com/credit in the amount of {$270.00} which was the balance in full shown for my Master Card account held by Synchrony Bank. On XXXX/XXXX/XXXX I was contacted at work by a customer service rep. who informed me that they were calling because my XXXX payment had not been received. The end result of the call was that I was to provide proof from my bank that the money had indeed been withdrawn from my account, which I did that afternoon via facsimile transmission, also providing my cell phone number for further communications. Over the next several weeks the calls at work continued. Every time having to go through the previous calls in which I was told that the rep. would make a note to my account referencing the discrepancy. What they failed to tell me was that a rep. does n't have full access to the account, and therefor they are unable to see any notes previously made by other reps. who I had spoken with. During XXXX of these calls, I asked that the account be closed until a resolution to the discrepancy could be found. At XXXX point ( I believe it was in XXXX ), I told the rep. that after months of this going on they should no longer contact me at work because not only did I not have my supporting documents with me to discuss the issue, now I am considering this to be harassment by communication. I made the payment and provided the documentation I was asked to provide. If they could n't find the payment and are evidently not willing to delve into the discrepancy any further than contacting me, I did n't know what else to do. As my credit score continued to drop ( XXXX in XXXX XXXX to XXXX in XXXX XXXX ) and the statements kept coming with assessed late fees, I contacted Synchrony Bank on XXXX XXXX, XXXX to inquire why there still had n't been a resolution. At that time I was informed that the information I had previously provided was n't sufficient. They claim to have mailed me a letter in XXXX informing me of such, but I never received it. Now they tell me I 'm to provide a trace number for the payment from my bank. Again, I provided the information they requested that afternoon via fax. Approximately XXXX week later I received a letter from Synchrony Bank stating that the payment was not applied to my account because it was not cashed by Synchrony Bank. I do n't understand how they can claim this. I made the payment as a direct withdrawal from my checking account on their website! I also need to add that my bank confirmed that the payment was positively sent to Synchrony Bank. On XXXX XXXX I called Synchrony Bank again and this time was finally able to speak with a supervisor. This woman told me that it sounds like my payment was applied to someone else 's account, but because my account had been closed and sent to collections I had to speak with someone in that department. The collections rep. told me that I need to get the transmittal report for the payment from my bank. The very nice woman at my bank who has been helping me with this since XXXX, told me that they ca n't generate a transmittal report because the payment did n't originate through them. After 8 months of this, I received my statement for XXXX and this is still not resolved.
|
| 08/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
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Im writing today to dispute an account that appears on my credit report from Synchrony Bank/PayPal Credit XXXX I believe that this account was opened fraudulently through my compromised PayPal account. I did not open this line of credit with PayPal and can not seem to gather information from them that proves that I did. Additionally, my access to the details surrounding this line of credit has been suspended and I can not see any of the official documentation associated with it.
The identifying information that I can gather from this line of credit is the bank account that was used to make the payments, the type of purchases made with the PayPal credit line, and a potential address of the culprit.
With this line of credit, the thief spent the entirety of the {$1700.00} credit limit on XXXX XXXX and XXXX orders. There were a few other items purchased with the PayPal credit account ( like an XXXX game for ~ {$70.00} ), but mostly centered around purchases from food delivery apps. The purchases made with my PayPal account occurred over the course of almost a year ( XXXX to XX/XX/XXXX ) and at a frequency of 2-8 times per week. ( See the PDF labeled PurchasingPattern for examples ).
I believe that someone gained access to my PayPal through my XXXX account prior to the implementation of two-factor authentication and signed up for a credit account without my consent. They then used this account to fund food delivery purchases over the course of almost a year without any intention of paying it back. The minimum payments that were made to keep the account afloat during this time period came from a XXXX account that is no longer open. Im unable to see the exact account information but it doesnt appear to belong to me.
The only identifying piece of information that Ive been able to glean from the transaction history is an address associated with some of the XXXX orders. The address is XXXX XXXX XXXX XXXX in XXXX, Ohio. Proof of this can be seen in the PurchasingPattern document that I provided. I have never been associated with this address and I do not know anyone who is. I called the property manager, XXXX XXXX XXXX XXXX, and attempted to get more information, but was denied access to the tenant records without a police warrant.
Theft aside, the credit line was closed in late XXXX. Synchrony began flooding my inbox with payment reminders, which I initially assumed were some sort of error/glitch on their end, but soon found out that there was a legitimate balance in my name. I tried to dispute account ownership with Synchrony over the phone on two separate occasions in XXXX ( XX/XX/XXXX and XX/XX/XXXX ) but received ZERO assistance.
Given that this account was now appearing on my credit report, I was forced to pay off the entirety of the account to ensure I could continue receiving lending for my schooling. In XXXX and XXXX of XXXX, I was forced to hand over almost over {$2300.00} to Synchrony bank for an account that I never even opened ( See the PDF labeled PayoffProof for exact amounts ). While the account has been paid off in full for over a year now, the stain that this incident left on my credit report has made it virtually impossible to get approved by even the most predatory of lenders.
|
| 04/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 05/25/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
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|
Web |
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On XXXX/XXXX/2015 My credit card info was high jacked online ... and used to make XXXX purchases at a Company in XXXX XXXX called " XXXX XXXX XXXX XXXX XXXX '' the charges were for {$180.00} plus a Foreign transaction fee of {$5.00} and another purchase of {$270.00} with a Foreign Transaction fee of {$8.00}. I noticed the charges immediately as I was on online trying to making an airline purchase at XXXX 's website. I was having difficulty so I called XXXX Customer to help me order the tickets. When I finished the call ... from home XXXX, Massachusetts it was late in the evening of XXXX XXXX, 2015. A few hours later after midnight..sometime around XXXX or just a little after I went back online to check My Synchrony Bank-TJX Master Card billing online to check the price I had paid for Jet Blue Tickets, {$640.00}. I saw that it posted with a date of XX/XX/2015..so that was what I expected, HOWEVER, right after that transaction on my billing page were XXXX transactions that had posted as of XXXX/XXXX/2015 sometime after midnight ... .There were the XXXX charges I mentioned above from XXXX, XXXX. I did NOT make or authorize these XXXX charges from XXXX. I IMMEDIATELY called the Customer Service line at Synchrony Bank at XXXX. I notified a customer Service Representative of the fraudulent charges that I did NOT authorize..and disputed the charges. They told me that they would sent this on the Fraud Dept. and immediately cancelled my credit card number and issued me a new credit account number and put in a request for me to receive a new card which I received XXXX to XXXX business day later. They noticed me an investigation would occur and be completed within 14 days. I received a letter on XXXX XXXX, 2015 dated XXXX/XXXX/2015. That stated that they could not find any unauthorized charges and they considered the case closed! I had spoken to them after the initial call and they assured me that they would investigate and remove charges. To date this has NOT BEEN DONE! I am continuing to call Fraud Resolution Dept. at Synchrony Bank XXXX to demand that they remove these charges..which are fraudulent. I notified them just a couple hours after the charges posted and was very vigilant in reporting the problem. I also sent them an email on their internal communication link describing the problem. I researched on line on a site called XXXX and found that others in the recent past had been scammed by this hackers with the same company in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... and victims said they had no idea how the stammers got their Credit account # s got the XXXX Company to charged them either and that they were working with their bank to resolve issue. To date Synchrony Bank has NOT removed the XXXX fraudulent charges on MY account and the XXXX corresponding foreign Transaction Fees associated with them .... I am determined to not have to pay these fraudulent charges. I had a good anti-virus program on my PC at the time " XXXX! XXXX XXXX 2015. I demand reparation form Synchrony Bank! DEar CFPB please help in any way you can. Synchrony Bank contact info is TJX Rewards Customer Service C/O SYNCB XXXX XXXX XXXX, XXXX, FL XXXX. The Fraud Dept Telephone number is XXXX XXXX. Please advise asap. Thanks. XXXX XXXX.
|
| 03/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I deeply regret the day that I purchased a sofa on XX/XX/XXXX at the XXXX XXXX located in XXXX XXXX, invoice XXXX, when a sales man named XXXX XXXX XXXX proposed the possibility to finance the purchase. Considering that the merchandise was in back order, my first question was to mention that considering that was entitled to return the sofa, then I was going to start making payments once that the order was delivered. The response was that no payments would be due until I received the sofa.
However, once that I signed, these agreed terms were not honored and I started receiving invoices in XXXX, XXXX, and XX/XX/XXXX. I called multiple times and explained that I had not received the merchandise and I was not going to start making payments until the delivery which finally took place on XX/XX/XXXX.
As a consequence, these undue payments were unjustly reported as late to the three credit agencies. I contacted Synchrony Bank again at the beginning of XXXX and explained all these facts via chat, email and phone. Please find attached a letter dated XX/XX/XXXX where Synchrony states that due to difficult circumstances I was not able to make payments ( this is utterly false ) and that Synchrony was not able to delete or modify the reported information which clearly shows a lack of professionalism addressing my problem. I never mentioned that I missed payments for any difficult circumstances, I clearly proved that the sofa was delivered on XX/XX/XXXX, and in the event that it was defective or I changed my mind, I was entitled to return it with 24 hours upon delivery. Therefore, the late payments were wrongly reported by Synchrony because I DID NOT HAVE ANY OBLIGATION TO START MAKING PAYMENTS until the delivery of the sofa, because I was entitled to return the sofa for any reason. It is not my fault to have received misleading information from the sales man to secure his commission, and at certain point it is illegal to lure client with false promises.
I am asking you to correct this huge mistake that has negatively impacted my credit score as soon as possible and this time pay attention to the real facts.
A letter was sent on XX/XX/XXXX, the response was that, I literally quote, " we certainly understand that difficult circumstances my arise from time to time ... '' '' I never mentioned that I had any financial struggles, I just clearly stated that I was subject to start making payments once that I received the sofa, and the sofa which was not delivered until XX/XX/XXXX. Therefore, I did not have any obligations to make payments on XXXX and XX/XX/XXXX which clearly entails to pay interest for an item that could have been returned.
Once again, I submitted another letter and this time the response that you can see attached stats that " I had multiple delinquencies on XXXX '', and in this case this response is utterly false. I do not have a single late payment in XXXX.
Once again, Synchrony displays a clear lack of organization sending groundless responses without even paying attention or reading my justified allegations.
I am requesting Synchrony to remove the wrongly and false accusation of late payments because this mistake has negatively impacted my credit score.
Sincerely yours, XXXX XXXX XXXX
|
| 09/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I purchased a number of products from Ashley. Some were delivered. Some were not.
1. I disputed a {$700.00} charge on my XXXX XXXX from Ashley. XXXX approved my dispute. Ashley unilaterally charged the amount that XXXX credited to the store credit card without my authorization or signature.
2. I did not receive several items that i ordered, specifically a queen bed and a sofa table. Ashley will not send an itemized receipt to show what i was charged for.
3. I purchased a number of new mattresses from Ashely and Ashely agreed to remove the old mattresses. Instead of removing the old mattresses, Ashely threw the mattresses in an already full dumpster on my property. the garbage man would not remove the dumpster until the mattresses were unloaded into a new dumpster. The charge for the new dumpster was {$700.00}.
4. I called and emailed Ashley numerous times with little results. Ashley promised to refund the {$700.00} and pay for the dumpster but never did. Here are some of Ashley 's communications : A. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ** Hello XXXX, We did receive your response and photos, thank you so much! We have forwarded these over to our partners with the delivery team and they should be in contact with you shortly.
You can also call XXXX to discuss the claim.
Thank you, XXXX XXXXXXXX XXXX Customer Experience Manager Ashley Global Retail, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX www.ashleyfurniture.com B. From : Ashley Customer Care XXXX Date : XX/XX/2023 at XXXXXXXX XXXX EDT To : XXXX Subject : XXXX XXXX XXXX XXXX Chargeback CASE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Good morning, Thank you for contacting Ashley Customer Care, I do apologize for any delay in contacting you. Your financial institution has notified us stating that you have an unresolved issue with your in-store order. Per our records, you were not charged for the Queen bed frame and the item was canceled from the sales order. Please advise how I can assist?
C. From : Ashley Customer Care XXXX XXXX XXXX Sent : XX/XX/2023 XXXXXXXX XXXX To : XXXX Cc : XXXX ; XXXX Subject : RE : XXXX : XXXX : IN HOME DAMAGE XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Good morning, I do apologize for the furniture experience that you had and for the drivers leaving the mattress in your driveway. I will be sending this over to the delivery management team so that they are made aware of what the drivers did.
D. From : XXXX XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX EDT To : XXXX Subject : RE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX CASE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX, Please see below for the breakdown in your charges- XXXX XXXX XXXXXXXX grand total was originally supposed to be {$6600.00}.
{$700.00} was covered by visa payment and {$5900.00} was supposed to be charged to XXXX account.
Only {$5200.00} was charged to their XXXX account.
Due to customer not received queen bed set new grand total is {$5900.00}.
Ashley ' furniture will be accepting the chargeback in the amount of {$700.00} dollars.
Thanks, XXXXXXXX XXXX XXXX Customer Experience Specialist Ashley Global Retail, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXXXXXX XXXX : XXXX | XXXX www.ashleyfurniture.com
|
| 12/03/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
I made a {$600.00} payment earlier in the month of XX/XX/XXXX so when it came time for my payment to be due of {$35.00} on the XX/XX/XXXX the system said there was no minimum payment due and yet there was an automatic payment scheduled. I accessed the account and cancelled the automatic payment since there was nothing due. Then I started receiving notices from Synchrony bank on my XXXX store card that the automatic payment and the manual payment that I made was returned for insufficient funds and that they closed my account to future purchases due to the XXXX returned payments. I also was charged a late fee for not making the minimum payment due even though I had already made a payment earlier in the month and the system told me that there was no payment due. I called synchrony to get the issue resolved and tried to explain that I cancelled the automatic payment and did not schedule a manual payment in addition to the automatic payment because there was no minimum payment due. They just keep repeating to me that I did not cancel the automatic payment but in fact scheduled a manual payment. I kept telling them that there has to be a technical issue because I did cancel the payment since I already made a large payment that covered the minimum payment and when I accessed the account it told me that there was no minimum payment due. They did in fact refund the late fee but refuse to re-open my account because their system has never screwed up or had technical issues before. The only way they will re-open my account is if I get a letter from the bank stating that the bank returned the payments in error which they did not because I cancelled the automatic payment and did not schedule a manual payment so I expected no payments to come out of the account. I did not expect double the payment to come out so I did not put the money in the bank to cover XXXX payments of {$100.00} each to come out of the account on the same day. The only other way to re-open my account is if their XXXX department says there was a problem. However the IT department does not seem to understand the issue because they keep sending me letters telling me when I made the {$600.00} payment and that my payments were applied to my account on XX/XX/2016 but then returned by the bank not addressing the problem that I did not schedule a manual payment in addition to the automatic payment but in fact cancelled the automatic payment for no payments to come out of my bank account on XX/XX/2016. They will admit that if the payments would have never came out my bank account my XXXX store card account would still be open but they refuse to admit that there is a technical problem. They told me that my account was accessed by a computer which I told them was impossible since my computer was sent away for repairs and I accessed the account from my phone. They basically called me a liar and then finally admitted that if I hit the link on the website for full site that it would have registered as a computer even though it was my phone. There are several technical issues involved here but yet I can never get anyone to get this issue resolved because they told me that their system has never done this before and has never had any technical problems.
|
| 12/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On or about XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX about a laminate countertop estimate I had done through its online estimator. I put up a deposit of {$360.00} using my Lowe 's credit card on XX/XX/XXXX and was informed that someone would call and set up an appointment for measurements. I was given an appointment by XXXX XXXX XXXX XXXX for XX/XX/XXXX but had to reschedule due to a family emergency. The appointment was rescheduled for XX/XX/XXXX and was told that I would not receive an estimate until about two weeks because the company was backlogged. I waited for about 12 days ( XX/XX/XXXX ) and went online to get an updated, but the pending appointment was still listed. I called XXXX 's again on XX/XX/XXXX and was asked whether I was ready to go forward with the installation, but I never received the official estimate, and was told that the official estimate was emailed. I stated I had not received it and was asked to confirm email address and to expect another email in about 15 minutes. That email never arrived, so I called XXXX 's customer service again and they could not give me any additional information. I complained to corporate, and the matter was transferred over to a rep within the executive office on XX/XX/XXXX. I am not sure what is the problem with that rep, but she kept mumbling -- could not complete a sentence -- and agreeing with whatever I said even though I was just spewing out information to test whether she was lying and blowing me off. I called XXXX 's customer service again on XX/XX/XXXX, but they did not have any updated information. I called again on XX/XX/XXXX, and customer service was able to assist me with new information about the project.
This morning a.m., XX/XX/XXXX, I contacted the installer XXXXXXXX via email and received a response back asking for the order number. XXXX XXXX are the installers and emailed stating " the measurements are fine, so the price will not change from the price you received from XXXX 's. I never received an official estimate from XXXX 's only the information I had inputted into their online estimator with a guestimate ( emails attached ). I did not understand what was happening until I threatened to file a complaint against XXXX XXXX for not producing the official estimate. XXXX XXXX ' official estimate was almost twice the cost of the unofficial estimate. My antenna went up that XXXX XXXX is not the company I wanted to continue with due to its deception. Then comes the mean emails ( all attached ). Stating that XXXX came out on XX/XX/XXXX and ordered on our next order date of Friday, XX/XX/XXXX. Really! without notifying the consumer of the official estimate? I was originally told that XXXX XXXX was in backlog. This company can not be trusted, so I demanded a refund of my deposit of {$360.00} and cancellation of the project. I was just informed by XXXX 's that there is a {$99.00} trip fee that can not be refunded. This company went ahead and started the project without consulting with me about the official estimate. As stated in their email the materials were ordered on XX/XX/XXXX -- without my knowledge and consultation. I was under the impression that XXXX was backlogged and to expect an official estimate without two weeks.
|
| 08/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XX/XX/2022 In the matter of the name i believe i use, XXXX XXXX XXXX, SMS File # XXXX used, could there be an impropriety? i believe i've spoken to the alleged reps at the company Synchrony Bank, XXXX XXXX and however many accounts XXXX, XXXX, XXXX attorneys believe they have an interest in, besides having spoken to many alleged reps at XXXX, XXXX, XXXX, but even though i believe i've told them i'd be happy to so called pay but it's just a matter of speaking to the alleged claimant/one with firsthand knowledge accepting liability for the claim of a debt due, so i can verify their claims, could it be they've told me they have no firsthand knowledge yet proceeded to levy a XXXX XXXX bank account i believe i use and took out several amounts from it? How can there be a valid claim without a claimant? How can they proceed on hearsay? i believe i've repeatedly asked to speak to the claimant, and could it be to this day they have failed to produce evidence of a claimant after asking that they have him/her call me directly many times so i can verify what they're saying and help him/her settle it honorably? i believe i've yet to speak to the alleged claimant after calling, faxing, emailing and leaving voice mails many times requesting that he/she calls me. Could it be almost every time i call they hang up on me, could this be considered acting in bad faith and ex parte? Could that be evidence there either is no claimant or the alleged claimant has no objection to my request for them to discharge this or to put it on a full cease and desist from collections, communications and any illegal and or legal action for lack of firsthand knowledge? Could there be an impropriety?
If the alleged agreement was with someone else where was the meeting of minds and proper notice to have XXXX, XXXX, XXXX to come into this? Who invited them? Could it be this has caused injury? Could this be considered meddling, false claims, false impersonation, identity theft, identity fraud, malicious compliance, barratry, champerty, creating fictitious debts, creating fictitious obligations for using the name for profit without the proper authorization, without proper so called compensation on the basis of hearsay? I'm told that's against the law. i believe i've repeatedly requested them to discharge this and any and all accounts they have on file or put them on a full cease and desist from collections, communications and any illegal and or legal action till the alleged claimant decides to step up to call me directly in order to give firsthand testimony/firsthand verification and object, but they still proceed anyway on hearsay. Would you be kind to do a due diligence investigation into the alleged matter ( XXXX ) that are being handled by XXXX, XXXX, XXXX? Could it be because they have repeatedly proven that this is an invalid claim based on hearsay by failing to produce evidence of a claimant, i'm requiring that they discharge this or put it on a full cease and desist as i requested within 10 days, removing the levy and notifying the consumer reporting agencies this alleged matter is now settled honorably because the claimant has refused to step up in order to object to it? Love you, the one who uses the name XXXX XXXX XXXX.
|
| 07/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
Older American |
|
On XX/XX/20 I made a purchase on XXXX of {$2200.00}. I have a paypal credit account Associated with my eBay account that I use for any and all ebay purchases. I have used this for years w/out problem.I have always believed this gave me an extra layer of protection from any type of problem that could occur buying from strangers, non-local businesses, etc. XXXX and PayPal both widely promote this protection. My buyers acct is always set to use PayPal credit. For this purchase instead of using my credit acct, PP choose to withdraw this amt directly from my bank acct on file which I use to pay my PP credit on a monthly basis. I was not informed this was being done. A few days later I found to my dismay that my bank acct was overdrawn. This also caused me to incur overdraft charges. Contacting XXXX or PayPal is EXTREMELY difficult. I have made many calls and spent literally hours since trying to straighten this out to no avail. What Im looking for is to have the {$2200.00} payment made from my credit line As I originally had it set up, so I can pay it over time. This was an emergency purchase for an engine for my car! I dont have the funds to pay for it all at once. When I contact what is listed as PayPal, it is really Syncrony bank ... According to them they handle my credit line But have nothing to do w PayPal. They told me to contact eBay ... XXXX says talk to PayPal ... I have been getting the runaround! Both are saying they cant help me. In the meantime, this Charge has been Re submitted to my bank 4 times and refused for non sufficient funds.. I have Numerous {$35.00} charges due to this. I was finally able to actually reach PayPal and they say they cant help either. How can this be? I get a different story from all but no help. One Syncrony rep told me early on that the charge was declined because I dont make large purchases .... but why didnt they inform me or verify it was me or something instead of just trying to take my money from my bank acct? Also, at some time prior to this I had requested an actual PayPal card. What they sent me was a whole other thing ... it was a card to access my own money, after I had deposited it in my PayPal acct .... when I received It and saw what it was I declined to activate this card. ( what I eventually learned is that there is NO actual card for my pp credit acct w Syncrony bank ) But now I see that when I log into my PayPal app, for pp credit, that the money I owe them is seemingly in that acct that I never activated, as a negative balance. Everything they do seems designed to confuse consumers, starting with their repeated use of the name and logo PayPal which seems to be very misleading.They make it nearly impossible to contact them. I do owe the money, but I am unable to pay all at once and dont think it was my fault. They have offered me no recourse to fix this. I dont think they should be able to repeatedly try to charge my bank acct. I suppose this is in some kind of fine print that is ridiculously long and has updates all the time. I just want to pay what I owe .... over time. They also wont allow me to delete my bank acct from their app so I guess I will have to close that acct to prevent them from continuing to put my acct in the negative.
|
| 12/04/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
In XXXX of XXXX a syncrony bank care credit card was opened up. There was only 1 charge made to that card in the amount of {$3800.00} this card offered a promotion for no interest for 24 months. I have been making payments every month and on time. Upon reviewing the statement I had noticed that there were numerous purchase that were made that I did not do. Nor did my husband do who is the primary account holder. I immediately contacted syncrony bank and advised them of these fraudulant charges. The account was closed and new cards were issued ( which I would like to also state that the new cards they sent us at first were closed accounts ) we were told that they closed the accounts completely on us. I complained that that is not right to do as we did not cause these fraudulant charges and why should we be penalized? They eventually sent us another set of cards which are open ( but I don't no that for a fact because we have not made any purchase on these new cards ). They tell us now that the account is back open. It has been a horror show since this happened. My balance is completely incorrect and they are arguing with me that my balance is {$1400.00} when the balance should be {$970.00}. I have spent numerous hours and days on the phone with them being transferred to different departments. Customer service, then on hold then to the investigation unit, then on hold then to the fraud department then on hold then back to customer service. Hours upon hours and days upon days trying to resolve this issue. I have been given incorrect information as well many different times. In addition to this my minimum payment has always been {$160.00} per month as the balance goes down so should the minimum payment however I was told at one time that I had a minimum payment of {$400.00}. I have been running circles with this bank and it is has gotten to the point where I am completely fustrated. Today XX/XX/XXXX I called again to try and retify this and explained with one purcahse and making all the minimum payments and sometimes more than the minimum it's very simple to understand what my balance is being there is no interest on this card. I was told there are interest fees and late fees accessed to the account ( which should not be because I was also told in the beginging not to make any payments until the investgation is complete ) ( 3 months ) and they promised not to charge any late fees. I made sure of this but they still did. Even reversing the interest that shouldnt have been charged and reversing the late fees still leaves the balance incorrect. Upon being fustrated and getting all types of different answers I wish to complain about this bank. I was also told at one point that the credit reporting agency called them and told them the whole account is fraud. I told them no I never said that. I immediately called XXXX and asked why they did that and was told from XXXX they do not make calls to banks and report this. I am beyond aggravated as I want to pay this bill off and get rid of it already but not at an incorrect balance. I would also like to note my husband is the primary cardholder XXXX XXXX in case they need to look this up through the primary account holder even though I am co-applicant.
|
| 11/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
On XXXX XXXX XXXX I opened a Lowes Credit Card through Synchrony Bank to take advantage of a 20 % off offer ( capped at XXXX dollars ) on a refrigerator that I was purchasing from XXXX.
After being approved online for the card ( XXXX XXXX XXXX XXXX I went to purchase the refrigerator and only 5 % ( the standard lowes credit card discount rate rather than the new card rate ) was applied to the cart. Before making the purchase I called Lowes Customer Service, who informed me that the 5 % was applied because it was a sale item. This was not apparent to me when signing up for the card. As a result, I called synchrony bank that same day, prior to making the purchase to either cancel the card or see if they would offer me a discount.
When I spoke with synchrony bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) they told me they could not help me with the discount. I then said I wanted to cancel the application, to which they informed me it was too late. I then said I wanted to cancel the card since the discount couldn't be offered and I had yet to make the purchase. I was then placed on hold so the Synchrony employee could discuss the issue with their supervisor. The employee returned to inform me that the reason the XXXX dollars ( 20 % off offer at the cap ) was not showing up was because it was issued " on the back end by the bank '' and that the XXXX dollars would come off once the transaction had cleared my account. This clearly implied that synchrony bank would offer the XXXX dollars off after I made the transaction. I was skeptical of this given that was contrary to what the original offer said. I asked " Can you 100 % guarantee that I will get the XXXX dollars off '' and the employee said yes it was guaranteed after speaking with his supervisor. I asked the employee to note this on my file, which he claimed he did.
I then made the purchase of the fridge based on this. The total cost of the fridge was XXXX cents, 5 % was taken off at the transaction for a total discount of XXXX dollars. The total purchase after tax but before the promised XXXX dollars off discount is XXXX dollars.
The transaction was posted on my account but no XXXX dollars was taken off. My account was billed for XXXX dollars.
I then followed up with Synchrony bank on XX/XX/XXXX at XXXX XXXX I explained that Syhcrony Bank had offered me a guarantee which was not met and that their statements essentially defrauded me into maintaining the account ( rather than closing it ) and making a sizeable purchase rather than not. I asked that the credit be issued and after several rounds between the customer service representative and their supervisor I was told they could not issue a credit. They refused to listen to the recording of the previous call ( from XX/XX/XXXX ) and would not acknowledge if there was or was not a note on my file. They suggested I could just use the 20 % off on another purchase or elect for interest free financing. I explained that I had made this purchase based on the false claims of their representative, the same for maintaining rather than closing the account. They refused to compensate me as promised.
I've attached the receipt for the transaction. The coupon code for the introductory offer is : XXXX
|
| 02/16/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
A {$89.00} payment was not posted to my account back on XX/XX/XXXX for the amount of {$89.00}. However, they have cashed that payment of {$89.00} and never posted it to the account. I have called Synchrony Bank about this dispute numerous times and have spoken with many different representatives and was finally told in XXXX of XXXX that it was being applied to my account and that my new balance on the account was {$41.00}. I called in XXXX to request all my statements and was mailed 91 pages and I went through every single statement that they sent me to make sure I wasn't overpaying and saw that my {$89.00} payment on XX/XX/XXXX never got posted to my account back in XXXX. When I spoke to XXXX the representative in XX/XX/XXXX as well as numerous other representatives about this discrepancy, she told me the {$89.00} was going to be credited to my account and my new balance was {$41.00}. So, on XX/XX/XXXX, when I got paid, I mailed a money order in the amount of {$41.00} and wrote the words " PAID IN FULL '' on the memo portion of the check along with the account number. They cashed and applied that payment to my account. ( I also have disputed this with the credit bureaus as well. ) Yesterday XX/XX/XXXX I received an email from Synchrony bank asking if I missed my payment and saw that the {$89.00} was posted back to my account! I do not owe that money to them and this account is Paid in Full! By law, " payment in full '' will discharge the debtor 's obligation entirely, under the legal doctrine of " accord and satisfaction ''. Tendering of a check marked " payment in full '' or " paid in full '' is an offer to settle the debt of an amount different than what the parties ' contract says. Cashing the check is considered to be acceptance of the offer and extinguishes the debt. In order to be effective, the words must be clear and conspicuous on the check. There must be no doubt that the debtor intends the check to settle the debt entirely which I have done. ( This is quoted from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I understand once a check is cashed and deposited to my account when with said words " PAID IN FULL '', my obligation has been met, and this agreement has now been closed and paid in full. The odd thing about that {$89.00} credit that they said would be applied to my account in XX/XX/XXXX was posted to my account was then marked as posted on XX/XX/XXXX, WHY? Why was it posted in XXXX when I contacted them in XX/XX/XXXX about this? Something is not adding up correctly and my Excellent Credit is now going in the opposite direction because of this dispute and that makes me furious. I pay every bill on time on the XXXX of every month when I receive my XXXX check. I have outstanding credit and pay my bills on time every month. I take great care of my obligations and I am proud of that. I also have checked the XXXX and this company has many discrepancies against them. I will also be filing this with the XXXX as I am very stressed out about this situation. Every time I call Synchrony Bank, I get different answers and excuses and it's very aggravating to say the least. I'm hoping that this gets resolved in a timely manner as my credit is dropping significantly because of their error.
|
| 10/22/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
XX/XX/XXXX To whom it may concern at : XXXX XXXX Synchrony Bank XXXX XXXX I am a victim of identity theft.
On or before XX/XX/XXXX, my personal information was comprised. On this day, at a XXXX XXXX store in XXXX, GA, I believe, my personal information was used to add phone line XXXX to my account. On XX/XX/XXXX, XXXX has another transaction report for another added line, XXXX XXXX. Both lines were added without my knowledge or consent. On a date that I can not confirm, the criminal transferred the main XXXX line, my telephone number, XXXX, to one of the unauthorized phones purchased with my information.
On this same unknown date, my XXXX was disabled. I logged into my XXXX account online, discovered the two unknown lines, and called XXXX. They were unable to verify my phone model as the main customer account line ( now switched to an XXXX flip phone ) and transferred me to their fraud department. After speaking with the fraud agent, the two unapproved lines were cancelled, XXXX XXXX was transferred back to its proper device ( mine ), my account was credited for all related unauthorized charges, and the representative told me that my personal information was compromised. He advised me to review all credit transactions and contact the credit bureaus. I scanned my two credit cards and noticed no unauthorized activity. I opened fraud alerts for 90 days with each of the three credit bureaus.
It does not end there. A few days later, I received a suspicious activity letter from Synchrony Bank for a XXXX XXXX account opened at store number XXXX in XXXX, GA, for a {$10000.00} line of credit with purchase activity. I immediately called Synchrony Bank, notified them that I didnt authorize the account, and opened a fraud report. I cancelled my other two lines with Synchrony Bank, a XXXX card and a XXXX XXXX card, on the basis that I was applying for a mortgage ( and I was not feeling great about Synchrony Bank at the time, either ).
On XX/XX/XXXX, I received a letter from Synchrony Bank, notifying me that my fraud request was denied because I benefitted from the account. I called Synchrony the following day and the representative read me the investigators comments. Synchrony Bank was able to verify my address, telephone number, and social security number. Thats it all of which was stolen from me and used for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXXXXXX XXXX XXXX XXXX. I received the physical XXXX XXXX card in the mail several days ago and destroyed the card and all accompanying materials, thinking the issue was handled.
The XXXX and Synchrony Bank events are now related based on my conversation with the Synchrony Bank representative. XXXX XXXX did not require photo ID. They sent a text verification code to my number, XXXX, which at the time was now in the hands of the criminals. ( See above ). Synchrony Bank offered to reopen the fraud case and needed a police report. XXXX XXXX Sheriffs Department XXXX XXXX in XXXX XXXX, AZ, opened report number XXXX on XX/XX/XXXX, with the information I am providing to you in writing.
XXXX XXXX advised me to file a report at XXXX. However, I dont have any of the purchase details to submit the report.
Respectfully, XXXX XXXX XXXX
|
| 01/25/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
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I am currently in a never ending dispute with Synchrony Financial Bank for a charge on my home design account for the amount of {$10000.00}. The charge was made by XXXX XXXX XXXX 's on XX/XX/XXXX thru a transact portal without my consent. XXXX came to my home and spoke with my husband about building an outdoor kitchen on XX/XX/XXXX of 2022 and my husband signed the agreement on XX/XX/XXXX with out checking the payment terms. I was not at this meeting due to working out of XXXX in GA because of the Pandemic. My name is not on the contract and I signed up for the design account on line with the salesman referral, but didn't authorize a charge or give the salesman my account information. Still seeking finance options other than synchrony and they required us to pay a XXXX deposit to start the project I was surprised to see a charge for {$10000.00} on my account and immediately reached out to the Bank and the XXXX. You see the design of the kitchen had not been done or agreed upon, the HOA document had not been received and we were having a hard time getting someone to respond to request for the documents. After a month of inactivity and no paperwork we decided to Cancel the project not knowing my account had already been charged for the XXXX installment not inline with what was forged on the XXXX the company sent to Synchrony as poof that I authorized the charge ( payment terms ). The document shows Checks on the payment terms in blue ink and the original was signed with black ink by my husband with no payment terms checked. XXXX also gave the bank a scope of work that was never provided to us as proof they gave HOA docs but it was not signed because we didn't receive in order to agree. The HOA docs required to start the project ask for a rendering of the back yard, a drawing of the structure showing easements, a picture of the kitchen with dimensions etc. none of this was given. The charge on my account was not only not authorized, the merchant claims my husband who is not on my account can charge to it. Synchrony has used these documents to deny my claims numerous times even though I didn't sign anything with XXXX to buy anything and they never performed any work. I am being required to pay literally for nothing, I have given proof that no kitchen was built, have even shown pictures of my back yard with no kitchen. The sales agreement was signed on a Saturday while I was at wk with limited reception on the XXXX XXXX site. The merchant is trying to charge me that XXXX as a cancelation fee because the contract my husband signed has the terms of XXXX @ material, XXXX @ XXXX, XXXX @ completion with a {$8600.00} first payment not XXXX. The XXXX slip is not inline with the agreement and was produced fraudulently to justify the merchants charge. The transaction shows XX/XX/XXXX on the slip but I didnt see the XXXX until XXXX after the project was cancelled. Synchrony keeps using Document I did not sign and that do not have my name on them as justification for the Charges, they are using a XXXX transact that I didn't use or authorize and doesn't even have my email address on it, I was told by a customer service rep that the merchant used my SS to get the account information, that is illegal.
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| 04/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXXXXXX I purchased a laptop from the Walmart app for a total of {$530.00}. On XX/XX/XXXXXXXX Walmart cancelled the order due to delivery issues. I never received a credit for the cancellation and disputed it with Walmart. Walmart stated that they already sent the credit to Paypal. I disputed the account with paypal via telephone at XXXX. They credited the amount of {$530.00} and I had a XXXX balance. I received a notice that my payment was due on XX/XX/XXXX, but I should have had a XXXX balance, so I went onto my account and saw that Paypal charged my account for the full {$530.00} again on XX/XX/XXXX. I looked into the original dispute and it stated that Walmart was going to issue a refund, so Paypal added the charge back onto my account for when the refund came in from Walmart it would take me back to a XXXX balance. The credit was never applied to my account so I faxed another dispute on XX/XX/XXXX. I received a letter form PayPal Credit on XX/XX/XXXX stating that in response to my inquiry on XX/XX/XXXX, we have applied a credit of {$530.00} to your account as of XX/XX/XXXX.
The credit was never applied, I called customer service and was told that the payment would be applied to my account when my new statement cut. The statement cut on XX/XX/XXXX but there wasnt a credit applied. I faxed another dispute on XX/XX/XXXXXXXX XXXX because I never received the credit and when I called I kept being told I would receive it ( next statement date, XXXX days, etc. ). I received another letter from Paypal on XX/XX/XXXX stating that according to their records the credit of {$530.00} was applied on XX/XX/XXXX. I received a letter from Paypal stating they credited my account {$7.00} on XX/XX/XXXX for interest charged on the original charge of {$530.00} but I never actually received a credit for the original amount. I disputed the charge again via fax on XX/XX/XXXXXXXX with a letter explaining the issue I was having, copy of my statements showing that a charge was never applied and never received a response from Paypal. I disputed the charge again on XX/XX/XXXX, provided the XXXX statement, a printout of transaction history from XX/XX/XXXXXXXX to XX/XX/XXXXXXXX showing the only credits where for the {$7.00} and a {$30.00} payment I made on XX/XX/XXXX, and never received a response. In the meantime, I called customer service and was told again I would be getting the credit.
I disputed the charge again on XX/XX/XXXX and never received a response from Paypal. I called customer service again and was told that they could see that the dispute was awarded in my favor but that they couldnt help me with the issue and they would escalate it up to the dispute department manager. I received a letter again on XX/XX/XXXXXXXX stating that the credit was already applied to my account on XX/XX/XXXXXXXX
They also charged me interest in the amount of {$58.00} on XX/XX/XXXXXXXX and {$9.00} on XX/XX/XXXXXXXX for a charge that they keep saying they already credited me back. I havent used my Paypal charge account since XX/XX/XXXX because I didnt want another charge to be on there while I was disputed the Walmart issue. So the interest charged is a direct result of the original Walmart charge.
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| 04/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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In XX/XX/2019 I noticed there were numerous fraudulant charges made on my care credit card which is held with syncrony bank. I immediately contacted them and they closed the account. Approx a month later we received new cards with new account numbers. I went to make the monthly payment and was unable to do so. I was transferred to customer service and was told due to the fact that the account is under investigation for fraud during this time I can't make a payment and no late fee will be accessed nor any negative remark made to the credit reporting agency 's. I followed up to see when we will be receiving new cards. I was told that there was a call made to them on XX/XX/2019 and reported that the whole account was opened fraudulantely. I told them neither me nor my husband made any call to report the whole card was opened fraudulantely. I explained there was only 1 purchase made on this card and only 1 which I am liable to pay. I was told we will receive the new cards in approx 30 days. I would like to also note that the 2nd set of cards they had sent us were cards that were closed. I asked them why would they send us new cards with new account numbers that are closed? I was told they were sent in error. I called again about a week ago to again follow up on this and was assured we will receive the new cards. Today I received a call from them looking for a payment. I was transferred from collections to customer service back to the fraud department then back to collections again. I explained the whole situation again and was again transferred back to the fraud department that's when I found out that they did issue a new account number but we are not receiving the cards. I was told that the consumer ( Me ) closed the account. I explained I never nor my husband call and close the account. The bank closed the account not me. I am very upset at the fact that due to someone stealing our account number and making fraudulant charges and now we are being penalized by not having an account with them anymore. I was told we can always re-apply. This account should have never been closed and taken away from us. I spent countless hours on the phone with syncrony bank in regards to this and just keep getting different story 's. Also our credit was affected in a negative way because it is showing account removed off report and the other one is showing account closed. My score went down by 45 points and my husbands score went down by 50 points. I asked to speak to a supervisor and was told that I am speaking to the fraud investigations dept and I have to speak to collections to see if they can help me. I called back collections again and they are looking for a payment of {$380.00} and are telling me the account is past due. This is not right. I was assured that no payment is to be made because of the fraud and the investigation. Now without any notification besides a phone call tonight am I notified that the account is past due. My biggest complaint is they lied and told us new cards were on the way within 30 days and now tonight I am told there is a new account number but the cards are closed and there's nothing they can do we need to re-apply for another new account. This is completely ridiclious.
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| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I asked XXXX to reinvestigate the XXXX XXXX and Synchrony accounts on my credit report on XX/XX/XXXX ( see letter and certified mail receipt ). I asked XXXX to fill in all of the missing data that they were reporting or to delete the accounts. I also asked them to include a personal statement if they were unable to delete the accounts, which they neglected to do.
Specifically, I asked them to : Account name : Synchrony / XXXX XXXX Account number : XXXX High Balance : {$2600.00} Date opened : XX/XX/XXXX Under the payment history, for the months between XX/XX/XXXX to XX/XX/XXXX there is NO DATA. Then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, there is NO DATA. That is 25 months of incomplete information on my credit report. Why is there no data for these months on the payment history? Fill in all of the data correctly or delete the entire account.
Why is the Date of Last Activity missing? Fill in all of the data or delete the entire account.
Why is the Date Closed missing? Fill in all of the data or delete the entire account.
How do you explain all of this missing and inaccurate information? Fill in all of the data or delete the entire account.
Account name : XXXX XXXX Account number : XXXX Balance : {$0.00} Date opened : XX/XX/XXXX Under the payment history, you are not reporting any payment history after XX/XX/XXXX. Instead, you filled in the following months with ND to mean NO DATA. From XX/XX/XXXX to XX/XX/XXXX there is no payment history. Then again from XX/XX/XXXX to XX/XX/XXXX there is no payment history. That is 50 months of incomplete payment history. Fill in all of the data or delete the entire account.
Why is the Date of Last Activity missing? Fill in all of the data or delete the entire account.
Why is the Date Closed missing? Fill in all of the data or delete the entire account.
Why is the Balance Updated missing? Fill in all of the data or delete the entire account.
How do you explain all of this missing and inaccurate information? Fill in all of the data or delete the entire account.
Please note that for this account that Im disputing, unless every piece of missing data is filled in and every inconsistency and every error is accurately fixed OR the account is deleted entirely, your investigation will not resolve my dispute as to this account, and, if that is the case, here is my 100-word statement of dispute for this account that you did not correct 100 % by making it complete and accurate : Attention all readers of my credit report, I am writing to express my extreme frustration with the inaccuracies and inconsistencies found on my credit report. The information associated with this account being reported is incomplete, inconsistent, and inaccurate. I have made detailed written disputes to XXXX and requested that they correct these errors, but XXXX has refused to correct these errors or delete the account. I strongly urge anyone reading this report to disregard this account as it does not accurately reflect my credit worthiness or standing.
XXXX finished their investigation and followed up with a report number XXXX on XX/XX/XXXX. They allegedly updated the account but failed to include my 100 word statements for both accounts.
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| 06/09/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB/WALMART ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 11/10/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Synchrony Bank Dispute for Defective Merchandise - {$2300.00} Synchrony/Venmo Credit Card I have spent over XXXX hours of my time in attempting to resolve an on-going dispute with Synchrony Bank, regarding a Venmo Credit Card transaction with no success, causing me significant emotional and financial stress as well as impeding business operations due to the preoccupation of my time. At this point, I am interested in suing Synchrony Bank for their apparent malpractice, as they have a legal obligation to investigate my defective merchandise claim, in order to recover the funds that were lost, in addition to recovering funds associated from damages.
Detailed account of what happened : On XX/XX/2022, I purchase XXXX back braces from a merchant I found on XXXX. The transaction was processed on my Synchrony Credit card. Unfortunately, I soon discovered that the back braces are defective they breakdown after a few weeks of use. I recorded a video depicting the issue and sent it over to the merchant through XXXX messaging system. The merchant ( which are XXXX and speak very little XXXX ) claimed that I was not using the back braces properly and that there is nothing wrong with them. Frustrated with their lack of responsibility for quality assurance and customer satisfaction, I asked for a refund. They only offered me {$300.00}, to which I refused and stated that I would simply resolve this issue through my bank.
Sometime between XXXX XXXX XX/XX/XXXX, I contacted the Synchrony Disputes Department and articulated my issues. On XX/XX/XXXX, I received a full refund of the {$23000.00}. On XX/XX/XXXX, the transaction was placed back onto my account, listed as Rebill/provcr. Confused as to why the credit was reversed, I contacted the disputes department. I was then informed that the initial claim was reversed due to the fact that the merchandise was received. I informed the representative that that was not the issue the issue is that the merchandise is defective.
The case has been reopened and closed at least XXXX or XXXX times, each time Synchrony sides with the merchant. In one of the appeals, processed sometime in the beginning of XXXX, I was informed to send in evidence of the back braces malfunctioning. As there is no way to upload a video, I was advised to send in screenshots, to which I did ( see document Screenshots of Defective Back Brace ). On XX/XX/XXXX, I called the disputes department at XXXX XXXX to check the status of my claim. The representative that I spoke with informed me that the claim has been denied, yet again, as Synchrony can not verify if the merchandise is defective or not. I then asked if the merchant has provided evidence to prove that the back braces work fine, to which the disputes representative said no.
Essentially, Synchrony Disputes Department is siding with the Merchant based on statements only. Despite my many attempts to resolve this issue with ample evidence ( actual defective products, a video, and the photos and documentation they requested ), they are not willing to protect me against Defective Merchandise, which makes absolutely no sense to me. Any unscrupulous merchant would of course blame the customer and avoid responsibility at all costs.
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| 06/19/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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01. XX/XX/2023 - I made an on-line purchase for 4 pairs of men 's shorts - total cost : {$86.00} from JC PENNEY .
02. I waited patiently for 3-4 weeks, but the purchased goods never arrived at my home.
03. Following the " Track your shipment '' information provided by the seller 's delivery agent ( XXXX ), we discovered the shipment had been sent to a non-existent address.
04. Notwithstanding this, XXXX records indicate that somebody ( neither me nor an authorised representative of mine ) came in and signed for the package. We have no way to know who this was.
05. XX/XX/2023, I called JC PENNEY Customer Service, to ask for their help tracking down what happened, who the package was delivered to, and why. JC PENNEY Customer Service advised they could not help- I needed to contact their delivery agent, XXXX.
06. XX/XX/2023, I attempted to reach XXXX - but XXXX offers an IVR system only. I attempted to lodge an on-line complaint/query, but the " system '' rejected my efforts, advising that only the sender ( JC PENNEY ) could initiate such a complaint/query.
07. XXXX XXXX, I again called JC PENNEY Customer Service XXXX and advised that XXXX would only accept a query from JC PENNEY ; they would not talk to me as the addressee. JC PENNEY Customer Service response was that they could not help me.
08. XX/XX/2023, with no obvious other path open to me, I then lodged a " purchase dispute '' with SYCHRONY BANK, the issuer of the JC PENNEY credit card.
09. XX/XX/2023, I received a letter from SYCHRONY BANK, indicating they misunderstood the issue to be a missing refund, and asked me to submit the refund receipt.
10. XX/XX/2023, I wrote back to SYCHRONY BANK, advised them that they had misunderstood the " purchase dispute '' - there was no missing purchase refund with a receipt I could submit - the dispute related to non-receipt of the ordered merchandise.
11. XX/XX/2023, I received a 2nd letter from SYCHRONY BANK, confirming that a purchase dispute had been opened, and the {$86.00} was temporarily suspended from my balance due, pending results of investigation.
12. XX/XX/2023, I received a 3rd letter from SYCHRONY BANK, advising that " We have been advised by the merchant that the merchandise has been delivered, '' the claim was rejected, and the {$86.00} was now released back into my account as an amount due and payable. There was no acknowledgement that I had not received the goods, nor any apparent investigation to assess to whom the merchandise had been delivered.
In my humble opinion, this rejection of my purchase dispute without any apparent attempt to ascertain why XXXX released the merchandise to somebody ( not me ), especially when the address for delivery was not a valid address, is not good enough.
It's my belief that XXXX JC PENNEY 'S delivery agent, made a mistake. At a minimum, somebody should have called me, or written to me, when the invalid address was noted.
Accordingly, at this point, I am not intending to pay for goods not received. I am nearly XXXX XXXX XXXX, with an impeccable record of paying all my bills and credit card balances. But in this case, I feel JC PENNEY 'S response has been insufficient/inadequate. Hence, my lodging this complaint here...
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| 11/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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This complaint is not because of a denial but because this entity is : ( a ) lying to consumers about the Privacy Act as a front to withhold information about credit card application denials ; ( b ) refuses to provide information regarding why an application was denied except via a letter for which the consumer must wait 7-10 days to receive ; and ( c ) lying to consumers that if they provide their email address on the application they will receive information regarding a denial, thereby inducing a consumer to submit yet another credit card application with the email address because the consumer believes there has been a mistake regarding the original denial.
We believed there may have been a mistake regarding my husband 's original application for credit on XX/XX/2020, and after this entity refused to provide him a reason for the denial in a method other than mail, someone told us that same day that if we had listed our email then we would have been provided the reason for denial. Since we both make approximately {$300000.00}, and have credit scores of over 800, we assumed that we could just submit a new joint application with this higher joint income, and would make sure our emails were listed so that if there was another denial, we would know exactly what happened. Instead, they denied us yet again, yet refused to tell us why. In some ways, they induced us to have yet another hard inquiry to our credit report, yet we did not even receive an email to explain why. Again, the denial is not the main focus of the complaint ; the focus is on them lying about the law to withhold the basis for denial.
Then they kept trying to allege that it was the Federal Government that prevented them from disclosing the reason for denial to us. They were literally using lies to allege to consumers that they could not tell us anything due to the Privacy Act. I know this to be false since nothing in the Privacy Act prohibits financial institutions from being able to quickly disclose reasons for denial over the phone, as long as they meet basic safeguards, especially when they already were able to verify my identity. I literally asked one of their supervisors to answer " yes or no '' to " [ t ] he Privacy Act prohibits you from telling a basis for credit denial over the phone '' and he answered yes. He also agreed that there is literally no way that they could provide a basis for denial over the phone, but also admitted that once the letter is received, then the consumer could talk about the basis for denial over the phone, which completely undercut their supposed legal argument. It also made it even more clear that they were lying and trying to throw the Federal Government under the bus just so consumer would incorrectly blame the Federal Government rather than the bank.
This is honestly a disgusting and un-American practice for this corporation to be engaging in this type of behavior. What is actually happening is they are either too lazy to provide bases for denials, or have yet to invest in proper software, and rather than being open about this, they lie to the American public to trick them into thinking that the Federal Government is forcing this entity to act in such a ridiculous manner.
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| 05/28/2015 |
Yes |
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Web |
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I have been victimized by XXXX along with copious other establishments and their deceptive marketing practices. On XXXX XXXX, 2014, upon request I paid XXXX {$500.00}. This was supposedly the cost of establishing a XXXX website. The XXXX would have several XXXX ( individual XXXX ) websites linked to it. On XXXX XXXX, 2014 I sent a check for {$8400.00} made out to XXXX XXXX XXXX to establish a domain, preload products, XXXX Upgrade and set up to XXXX. On XXXX XXXX, 2014 I paid {$500.00} on my Sam 's Club Master card for their XXXX plan. On XXXX XXXX, 2014 I paid {$5100.00} on my XXXX XXXX Card and XXXX Checking Account for XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, 6 month free hosting. I questioned the fact that I already paid for XXXX. I was told that this was different. Also was told that this was the last piece I had to buy for my XXXX website to be running and advertised. I was advised that XXXX was an excellent site to XXXX since there was minimum computation. The supplier they found had limited ( XXXX ) XXXX. I was never told how to get more product or vendors for this XXXX. They also setup XXXX for XXXX, XXXX, and Garden Supplies. These XXXX all had very limited product posted. I never received training on how to : Check for sales, add products, add vendors, track sales, track traffic or how to get into the back office of the websites. I called on several occasions to tell them about errors on the site. At the same time and on other occasions I asked about training. My notes show that on XXXX XXXX, 2014 I left a phone message with XXXX XXXX requesting a partial refund since I never received training. XXXX never replied. In XXXX I went to log onto XXXX and the domain was not available. I called XXXX XXXX. The free hosting period had expired. I never received request to set up hosting payments. They would put the site back up if I paid hosting fees. I elected not to go with hosting, since I could not get the proper training to manage the account. XXXX XXXX HAS NOT PROVIDED THE TRAINING I PAID FOR TO MANAGE MY WEBSITE.To date, I have received as described as verbally agreed, disappointed, does not begin to describe my temperament, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that target unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 118 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX she mentioned that she could n't open disputes that were older than 6 months according to company policy. She stated that she was restricted because of company policy. This is simply unacceptable, please have them to look into the matter, an exception should be made in situation like this one. Please assist me.
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| 01/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/XXXX, I made a {$250.00} purchase on my Synchrony Bank/CreditCare credit card. My current mailing address was on file with Synchrony Bank at the time of the transaction. I waited and waited to receive a statement from the bank so that I would know the minimum payment due and the date it was due. I never received a statement, in fact to date, I've not received a statement in the mail. I was not signed up for electronic statements ( screen shot attached ) and never received a mailed statement.
Towards the end of XX/XX/XXXX, I received an email from Synchrony stating I was late on my payment and that they had charged me a late fee. I logged on to my account online and saw that indeed they charged me a late fee of {$28.00}. I then sent them a secure message stating that I never got a statement from them, that they had my current address, and that they are required to send me a statement with minimum payment and due date per federal lending regulations. I also requested that they mail me a copy of the statement I never received.
I then got a response back with an apology, that they were crediting me the late fee back, and that my new due date was XX/XX/XXXX. They did not address my request that they mail me a copy of the statement they never sent in XXXX. I replied back that I was glad they waived the LF but that they also needed to correct the credit bureau reporting that they did initially reporting I was late on my first payment since they never sent me a statement as they are required to do. I also again requested they mail me a statement. When I logged on to my account online to reply to their last message, I got a system message stating I had to either sign up for electronic statements or paper statements. I selected paper statements and again verified that they had my current address.
On XX/XX/XXXX, they responded that they mailed me a statement copy on XX/XX/XXXX ( which to date I have still not received ) and then said that they had my current address so there's no reason that I should not have received a statement and that I should check with the post office for troubleshooting of my mail delivery. They basically repeated what I've been saying all along which is that they had my current address so there was no reason for them not mailing me a statement in the first place. The statement they said they mailed to me on XX/XX/XXXX was only acknowledged after several requests for them to send me a statement since they never sent the first statement that would have told me what I owed and the due date.
The message they sent on XX/XX/XXXX also stated that I owe them a minimum payment of {$59.00} which includes the late fee they assessed in error since they never sent me an initial statement, and of which they later said they waived. I am not unsure if that last message was stated in error or they have reneged on the late fee credit they already told me they gave me.
I am most concerned, however, with the impact to my credit score by reporting I was late when in fact they never sent me a statement as they are required to do, and I do not trust that they will mail me future statements since to date I've not received a single statement in the mail from this bank.
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| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX I was delivered furniture from Ashley furniture the furniture was damaged and I told the gentleman that delivered it that I wanted them to take it back - they didnt speak English and I used a translation app on my phone in which they responded they were going to call XXXX that they dont work for them. They waited in the delivery truck for about 30-45 min then took off without telling me. XX/XX/XXXX I spoke to a representative I also waited 2 hours to speak to someone on the phone ) This was also during the pandemic in which I purchased this bedroom set over the phone and was dealing with a store manager - I never even received an itemized bill in which I requested numerous times ( attached I have correspondence between us via text ) 3 people were sent to my apartment to see if the furniture could be repaired but all of them said no that this was damaged and also put together incorrectly. They brought a replacement set and removed the one that was damaged but it was the wrong set therefore I told them to take the furniture back with them.
I spent days, weeks to get in touch with someone from Ashley furniture to try to resolve this issue and the manger told me that this set seems to be having issues and he finally told me to stop reaching out to him and to reach out to the bank which was synchrony and dispute the purchase since now I was paying for furniture that I didnt even have. I had disputed this with them and they said that the merchant won the dispute. Fast forward I received a letter from a law firm on XXXX of XXXX trying to collect money for XXXX XXXX set/ the day I received the letter I called the attorney and explained the situation and I sent them all the correspondence I had and she called me back to tell me that they will be sending this back to synchrony bank and they didnt even understand why I was being held responsible. On XX/XX/XXXX they told me I needed to start yet another dispute with them. I spent hours on the phone and had to re explain everything which I didnt understand when I had already done so with my first dispute. Now its XX/XX/XXXX and I still havent heard back from them - I called numerous times to follow up and they said they were still working on it- but the most recent manager I spoke with asked me to explain what happened ( please keep in mind this was the 6th-7th time I had done this- I received a letter in the mail that they are reviewing the dispute then just recently received another letter stating they dont even know what this dispute is about and to please call to explain. I was beside myself considering this has been going on for close to 3 years - how do they not have notes in the system how are they now asking me to explain what happened and what my dispute is about after speaking to over 4 supervisors in the past 2 months who told me they would be expediting this since its ruining my credit tremendously and I am also being charged for something I never received in which they should be paying me back the few payments I did make. I have tried very hard to resolve this with syncrony bank and the fact that they sent me to a collection company and they attorney sent it back to the bank should show and tell them something.
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| 12/31/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I reserve all rights and relinquish none.
I do not give Synchrony Bank or any entity associated with Synchrony bank permission to use my inofrmation both past and future. With this statement I give notice to Synchrony Bank it is strictly forbidden to take any other action against me based on confidential information. The violation of privacy can be punished by law ( XXXX XXXX XXXX, and the XXXX XXXX XXXX Synchrony Bank XXXX a public entity.
I, affiant am filing a formal complaint against XXXX as follows ; XXXX XXXXSYNCRONY BANK issued a credit card with the promise of security. XXXX months later the credit card was declined with no explanation. XXXX was not given a full and honest disclosure. When affiant called to ask why the declined card, the answer was the card security had been breached. XXXX was asked by the representative to provide proof of identity to continue to use the card. XXXX weeks later the card was declined again without full disclosure and again affiant was asked by the company to confirm identity a second time. There was no full and honest disclosure as to what security breach had compromised the security of the card. The consumer requested the account be closed, then in an XXXX dated XXXX titled to an unknown addressee stating the account had been closed, with a remaining balance over {$200.00}. Since that time Synchrony has dropped all charges on that account. Note : the name on the closed account did not match the name on the XXXX number associated with the account, or the name on the card itself. Synchrony Bank created a false identity and used the account to harass affiant. Then dropped all charges when confronted about the matter.
CARE CREDIT/SYNCHRONY BANK XXXX XX/XX/XXXX Syncrony Bank XXXX XXXX for XXXX XXXX in conjunction with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX limit was approved for {$1100.00} account number ending XXXX. In XX/XX/XXXX the account was paid off in a timely manner by affiant. In XX/XX/XXXX affiant was informed by dental office, that the care credit account was closed without notice, who further harassed affiant about charges that had already been paid off. After further requests, the dental office agreed that the account was paid in full and a credit balance was available for services. XXXX did not recieve notice, however began recieving e-statements from Care credit in different amounts, with a different account number. During which time further charges from the dental office were declined by Care Credit. XXXX asked about the charges and contested the new {$400.00} bill, and Synchrony dropped {$300.00} from the disputed charges without hesitation. Synchrony insists on asking for payment on the fraudulent account and stated to affiant the credit limit is now much lower than the previous card issued. Syncrony sends e-statements in the following amounts, {$110.00}, {$170.00}, {$71.00}, and asked for payment in the amount of {$17.00}. Syncrony opened XXXX fraud accounts ending, XXXX, and XXXX. XXXX believes the accounts were created as a means to take action against affiant without thier knowledge or affiant 's consent. Then Syncrony conceals information creating discord and distrust from dental office towards affiant.
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| 10/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/XXXX I received a letter from Synchrony Bank regarding charges on a Sam 's Club XXXX that I did not apply for. I went through all of the steps, filled out the paperwork, filed the reports, and began working with the local police department. Unfortunately, no one seems to care that your security is lost, only whether or not money is lost. Unsatisfied with how all aspects of this situation were going, my wife began doing research regarding what my rights were as a victim of Identity Theft and found the victims rights in the FCRA Section 609 ( e ). I went to the store, and the manager will not help me. So upon further research, we found the XXXX XXXX XXXX XXXX affidavit. I completed the affidavit, had the investigator sign, properly proved my identity and submitted my first formal request for compliance on XX/XX/XXXX ( the investigator never advised me of these rights, hence the delay in my requesting ). I received a call from a blocked number on XX/XX/XXXX that I did not answer and had a voice mail from the XXXX XXXX XXXX XXXX department, stating that they needed verification of the last 4 numbers of " my '' account. " XXXX '' was the name she gave, with no return telephone number, only a fax number. I faxed over the letter received from Synchrony Bank on XX/XX/XXXX with the last 4 numbers on the letter. XX/XX/XXXX XXXX XXXX XXXX XXXX had exceeded the time frame set forth in the FCRA, and I faxed them a notice of non-compliance, again, with all supporting documentation. On XX/XX/XXXX I received a call stating that I have to get the application from the store, that they are unable to locate the account, however they will email over the receipt momentarily. Again, with no contact number for this department, I faxed over a letter stating that they are now 4 days past the time frame set forth by the FCRA and that full compliance was expected. I received the receipt, which was pulled on XX/XX/XXXX, and has the credit account number on it! I called Synchrony Bank, who stated they are opening an investigation into this location, as the investigator working our account, who has seen the application, has stated that only 1 form on identification was used, and only the last 4 numbers of the driver 's license was recorded. The investigator has also stated that the month and day do not match my date of birth, and I religiously check my credit reports and no variations of my date of birth have ever been recorded. I want, as I am entitled to receive, a copy of the application for credit as well as the membership application. I understand that Sam 's Club did not take my identity, however they completed disregarded the guidelines set forth, as the first line of defense, to prevent identity theft from occurring. They did not, according to our Investigator, write the full identification number on the application, they did not collect or request to see a secondary form of identification, and ignored the fact that someone walked into their locale, without a Sam 's Club Membership even, opened up a Sam 's Club Membership, opened up a Sam 's Club XXXX, and used said card to purchase TWENTY-ONE pre-paid {$200.00} XXXX. I want what the federal government has deemed I have the right to have.
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| 08/22/2015 |
Yes |
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Web |
Servicemember |
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On the evening of Saturday, XXXX XXXX, 2015 my XXXX year old dog XXXX got very sick. I took him to my vet where she stabilized him for transport to an emergency vet clinic. At that time my vet diagnosed him with XXXX and he was critical. Upon checking him into the emergency vet clinic, they confirmed the diagnosis and advised the cost would be between {$3400.00} and {$4200.00}. I agreed to this cost and decided to fill out a credit card app for Care Credit. Knowing my credit score at the time was above XXXX ( it was XXXX at the time as confirmed with XXXX at XXXX on XX/XX/2015 ) I agreed to the credit card application. When I completed the brief credit application via a computer terminal in the vet office, the girl at the counter talked to me about the credit limit. Based on the doctor 's estimate, she arbitrarily set the credit limit at {$4500.00}. My dog had a rough go of it and ended up staying at the emergency clinic from XXXX XXXX on Saturday, XXXX XXXX until his release around XXXX XXXX on Wednesday, XXXX XXXX, 2015. This was an additional one day stay above and beyond the original estimate. When I checked him out of the emergency clinic, my total cost was {$4400.00}.
On XXXX XXXX I received a credit alert from XXXX where I maintain a credit monitoring membership. It revealed a massive drop in my credit score as well as an over the credit limit notice. A few days later, I received my first bill from Synchrony Bank whereby they show the charge from the clinic of {$4400.00} and the interest charge of {$25.00}. This total of {$4500.00} was enough to put me over my credit limit ( an ARBITRARY amount set by the clinic ) and start the tumble of my credit score that I have worked so hard to maintain.
After receiving my first bill from Synchrony Bank on or around XXXX XXXX I called the bank and spoke with XXXX and explained my situation. I felt that the amount set by the clinic was arbitrary and once they assessed the interest charge, I was over the limit and this caused my credit score to drop by XXXX ( XXXX XXXX!!! ) points. She advised she would generate a dispute report on my behalf. I said I am not disputing the charge, the charge is valid, I am disputing the fact that the credit limit was an arbitrary amount set by the vet clinic that was guessing at the cost. She submitted the dispute. I received a letter dated XXXX XXXX advising that their report to the credit bureau was accurate they could not reverse this damage. On XXXX XXXX I called Synchrony Bank again and spoke with XXXX who submitted another dispute and agreed to reimburse the interest charge of {$25.00} which remains as a credit on this account. On XXXX XXXX I received another letter stating they investigated and are unable to modify or delete my request.
Please know that I am not disputing the charge. My dog was about to die and I was going to prevent that if I could. I dispute that the credit limit amount was arbitrary and based on my credit score of XXXX, I could have qualified for a credit limit for twice the amount I was given. The inability for a vet clinic to correctly assess a credit line should not be the downfall of my excellent credit standing.
Thank you so very much for any help you can provide.
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| 03/17/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XXXX I opened a CareCredit/GE Capital account. My balance was originally {$600.00} in XXXX ( charge was for procedure for my XXXX cat ). I made payments, mostly on-time or I paid a late fee if not, for years to GE Capital. After experiencing financial difficulty in XXXX XXXX, I suddenly started receiving collection calls from a company claiming I owed like {$1500.00} but they refused to explain why the amount owed was so much more than it should be. I disputed that I owed the amount they were demanding I pay and frequently requested an itemized list of the alleged debt. After several phone conversations of me asking for an itemized bill and them demanding payment and ignoring my requests, the phone calls stopped. Now it 's XXXX and I pull my credit report and see Synchrony Bank/Care Credit negatively reported various details .... and then lists " status '' as " Account charged off. {$1000.00} written off. {$420.00} past due as of XXXX XXXX. '' Many of the details, including " Balance History-Account Balance, '' " Recent Balance, '' and " High Balance, '' reported on my credit report are inconsistent and conflicting. For example, in one section it lists a " balance '' of {$950.00}, " credit limit/original amount '' {$600.00}, " past due amount '' of {$420.00}, and " charged off amount '' of {$1000.00}, however the amounts do not add up ( {$950.00} ( alleged balance ) + {$420.00} ( alleged past due amount ) = {$1300.00} ; {$600.00} ( credit limit/original amount ) + {$420.00} ( alleged past due amount ) = {$1000.00} ). So, where did they get the charged off amount of {$1000.00}? Another example : the report states " Recent Balance {$950.00} as of XXXX, '' another section states " Between XXXX XXXX and XXXX XXXX, your credit limit/high balance was {$600.00}, '' and in another section states " Charge Off as of XXXX XXXX to XXXX XXXX {$1000.00}. '' THE NUMBERS DO NOT MAKE SENSE. Also, between XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I made 32 payments to GE Capital that totaled $ XXXX and that 's just what I found record of..could be more. So, if my original balance was around XXXX dollars - and I paid {$1200.00} dollars towards that balance - then how do I even owe anything more? Even more troubling, when I try to access my account information/details online through GE Capital AND Care Credit AND Synchrony Bank all sites give me a message saying that my account information is not available. So how am I supposed to even review my records in their system and compare to my own? It seems sketchy that they suddenly blocked my access to my payment history/account details conveniently at the same time that they are demanding I pay a debt amount significantly higher than any amount I could possibly still owe. Lastly, in recent months I have tried multiple times to contact Synchrony Bank, at the number listed on my credit report, ( to discuss what they are claiming I owe ) only to be bounced around and continuously told to call another number after another. Then, the last number I was directed to call placed me on hold for a few minutes and then said no one was available and " the mailbox is full. '' How can they submit negative reports towards my credit after reviewing the above mentioned??
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| 08/01/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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OK, this pattern goes back and I have complained about SYF 's lies as recently as this year. To review, in my prior XXXX MC or XXXX XXXX or XXXX XXXX or AMAZON store cards, SYF consistently maintains a resentful lapse in supervision that it justifies as a " security measure '' designed to protect against fraud. But in past cases like the current one at AMAZON, it uses this backdrop in attempt to steal and wrongfully withhold balances while at the same time telling lie after lie after lie to the end user of its product.
In XX/XX/2021, I opened an AMAZON card for store purchases at that website. After opening this card, I asked it to investigate a charge from AMAZON where it had billed me for an item that it lost in delivery. It should be clearly noted here that both AMAZON and SYF appeared in cahoots over this. As soon as this dispute was brought to SYF 's attention online, it began processing said dispute and within a matter of days proceeded to question my use of said card as inauthentic. It accomplished this messaging by turning off my credit card in the name of fraud where no threat of fraud existed.
So now my credit balance exceeds XXXX XXXX dollars and the card is unusable, meaning SYF has isolated the account as " suspect '' -- causing AMAZON to defer to my other cards for purchases. When I called SYF about this in the past ( meaning we go back to the time before they did the same shenanigans at XXXX MC ), their staff systematically would back pedal by phone ( apologizing while refusing to escalate the matter for management review and lying to me as card end user ). When these shenanigans were brought to CFPB for review, it said nothing truthful there either about the context wherein it openly and deceitfully maintained blockage over my ability to retrieve funds belonging to me in the name of its " security. '' As recently as XXXX, SYF published another one of its hindsighted cover ups by snail mail ( see attached letter from the " XXXX '' ). My problem with this is that they are blatantly demanding on behalf of their " Fraud Team '' that I create video of myself for its satisfaction over the Internet as if to justify its unacceptable behavior in stealing from me without cause. This was reported to it and CFPB again and again. SYF continues to nonchalantly open accounts and retaliate against me in an unethical fashion while thumbing its nose at me during phone calls, XXXX chats, emails, Secure Messaging, etc. My complaint here, again, remains that it can not remain in our marketplace fabricating stories about " fraud '' in its continued efforts to steal from end users.
It remains committed to its thieving practices under the counter while pretending to have legitimate interest in its unconscionable theft. It should be required to express deliver certified bank check to my mailing address of record immediately by order of an executive team member with a valid call back number. This practice it uses at pretending one narrative and then unaccountably doing otherwise is unacceptable. It should not be allowed to administer credit cards of any kind with this demonstrable pattern of theft over my course of a handful of various credit cards wearing its brand name.
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| 09/14/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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On XX/XX/XXXX, I signed a contract with XXXX XXXX OF XXXX, DE - Store # XXXX to have my flooring done. They delivered the materials on XX/XX/XXXX, when the materials were placed in my garage I noticed that there were some loose boxes outside of the pallet. They were to work on the project from XXXX - XXXX XXXX XXXX. The installers arrived on XXXX XXXX and removed my vinyl flooring along with 2 toilets out of 4, my bathroom sink was also removed. They moved my refrigerator and placed it in the middle of my living room. After removing my flooring from my kitchen all the way to my foyer which also included my pantry and one bathroom. They removed the flooring and toilet in my basement bathroom.
After removing the old flooring, the installer installed the backer boards. Towards the afternoon, they tried to install some tiles. They noticed that the tiles were different sizes. They were suppose to be XXXX but some were smaller. The installer brought this to my attention so I called the local store and informed them of the problem. The installer wanted someone from Lowe 's to come verify that the ones on the pallet were indeed the same size tiles. It 's pretty obvious to me that the remaining items on the pallet were the same because they had the same dye lot and size. Either way I called the local store, asked if someone can come so that we can go ahead and start installing tiles. The person I spoke with tried to fix it by sending replacements the following day.
On XXXX XXXX, the replacements were delivered. I noticed that the replacement tiles were still wrong and do not match the majority of the tiles. Needless to say, that 's when everything went down the hill. The installer left at noon and never came back. They abandoned the project and the mess and we were left to clean up after them. I could not access my kitchen to cook because my appliances were left in the middle of the living room. My toilets were still not put back. I tried calling the store again and I was told to call their XXXX # which I did but no one would return my call. I finally got a hold of someone in corporate office and he said he would handle the issue. They wanted the installer to come back and finish the job, to install the same product that they deemed defective.
I told corporate I do not want them back in my home because they 've caused enough trouble and I should not be forced to deal with them after what they 've done. Well guess what, the project was {$8800.00} and I 'm being told I have to pay {$800.00} because they installed a backer board. Lowe 's breached our contract and cost me mental anguish and I have to pay.
Please share my experience so that others do not fall for the " We Support our Troops '' XXXX from Lowe 's. I 've even told them how much they 've put me through and they do not care. I 've supported this local store for many years now, their employees even know me when I go there and this is how they treat me. Please share this so that others know what kind of company Lowe 's is. If you know any media outlet that would publish this please share. Share so that Lowe 's will get the media attention they deserve and hopefully people will stop supporting this type of business
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| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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This is my formal complaint against both accounts in relation to SYNCHRONY, a financial institution, for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Privacy Act of 1974, 5 USC 552a, as well as additional pertinent statutory and regulatory provisions. This complaint revolves around Synchrony 's transaction reporting violations, invasive breaches of privacy, and disregard for consumer rights.
The Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), underscores the paramount need for consumer reporting agencies to fulfill their responsibilities with fairness, impartiality, and a profound respect for consumers ' privacy rights. This principle is further echoed in 15 USC 6801, which mandates that every financial institution, including Synchrony, has an affirmative and ongoing obligation to uphold customer privacy and safeguard the security and confidentiality of nonpublic personal information.
However, my complaint centers on Synchrony 's transaction reporting violations, unauthorized inquiries, and their disregard for privacy rights. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report solely " in accordance with the written instructions of the consumer to whom it relates. '' Neither Synchrony, the financial institution, nor the consumer reporting agencies, XXXX, XXXX, and XXXX, sought my consent, let alone written consent, to furnish this information. Consequently, I hereby formally revoke any and all consent, irrespective of its form, be it verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX, XXXX, and Synchrony.
Furthermore, Synchrony failed to inform me of my right to exercise my nondisclosure option, as stipulated by 15 USC 6802 ( b ) ( c ). This represents a clear violation of federal regulations. Notably, 15 USC 1681C ( a ) ( 5 ) mandates that no consumer reporting agency may compile a consumer report containing adverse information without proper authorization. Synchrony reported adverse information without my consent, thus violating federal law.
Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) specifies that a person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Synchrony has furnished inaccurate information, leading to harm and potential financial consequences for consumers.
Moreover, XXXX, XXXX, and XXXX, the consumer reporting agencies, have failed to maintain reasonable procedures, as required by 15 U.S. Code 1681e. These agencies have reported inaccurate and inconsistent information, causing harm and confusion.
In light of these severe violations, I request the CFPB conducts a thorough investigation into Synchrony 's actions, encompassing transaction reporting violations, encroachments on privacy, and disregard for consumer rights. I further request that appropriate actions be taken to rectify these infringements and that Synchrony be held accountable for its failure to adhere to statutory and regulatory requirements. Any account information you require of me, please let me know and I will be happy to furnish the information.
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| 04/13/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I use my Synchrony Bank Amazon store card to make purchases with a " no-interest '' promotion. I must pay the full balance of a particular promotional purchase within 6 or 12 months, depending on the purchase amount. Some purchase balances must be paid before others, so as to avoid paying interest at 25.99 % ( APR ). Of the promotional balances on my account, two are expiring this month ( XX/XX/XXXX ). The total amount remaining to pay off these balances is {$360.00}. If that total is not paid this month, I will be charged {$290.00} in deferred interest that has accrued over the past 12 months. At the start of this year, I calculated the amount I would need to pay each month in order to pay off these balances on time. By scheduling a monthly autopayment of {$340.00}, the balances that are coming due this month would be paid off in full. I assumed that Synchrony would apply each payment to the earliest expiring balance.
When I received my XXXX statement, I realized Synchrony had applied small dollar amounts from my $ XXXX/month payments to all promotional balances, including balances expiring later this year and in XXXX. On XXXX, I called Synchrony bank. All customer service representatives I've spoken with about this have been courteous, patient, and understanding. One rep explained that Synchrony " must '' apply these " nominal amounts '' to all balances. She stated only after the first {$29.00} ( minimum payment amount ) of each month 's payment has been split between all balances will the rest of that month 's payment be applied to the earliest expiring balances. This seems to be consistent with the cardholder agreement, and I have a better understanding of it after reviewing my statements again. Because {$29.00} of each {$340.00} autopayment had been applied across all balances, the XXXX autopaymentfalls {$27.00} short of paying off the expiring balances. I discussed this with the Synchrony representative. I made a manual {$100.00} payment, while on the call, to make sure the expiring balances were paid. The rep assured me it would be applied only to the promotional balances expiring in XXXX. The rep did not tell me that Synchrony would then automatically reduce my scheduled autopaymentamount by {$100.00}, defeating the purpose of making an additional payment and still leaving me {$27.00} short. Synchrony'sonline payment page also does not tell users this, nor does their cardholder agreement. Synchrony sent a letter to specifically tell me the {$100.00} manual payment had been applied to the promotional balances I requested, but it did not mention they would just reduce my autopaymentamount without notice. Had I not checked my store card account this week, I would be out {$290.00} in just interest.
Before modifying my scheduled payments, which Synchrony promises to draft and process on time each month, I need to be notified. Ideally, reps or the online payment page would have explained it at the time I made the manual payment. Instead, Synchrony'ssystem sets users up to fail to timely repay promotional balances. Today, I called Synchrony again to ask why I was not notified. After being placed on hold by representative for 45 minutes, the call was disconnected.
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| 04/27/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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Last year Synchrony closed my XXXX card stating I was high risk. Then I applied for a new one the same week and they approved me for a new card. I have been using this new card without issue, making all payments on time, again. Last month I was even approved for a subprime used car loan with another bank because I am a reliable payer.
Of course, one year later, again, Synchrony did the same exact thing, closed my card for no issue. They do this every year to thousands of people who are current through their arbitrary and flawed system. Using credit scores that aren't even accurate. I had to have my XXXX pulled for the car loan and I was at XXXX. Synchrony claims through their website that I am at a XXXX and uses this as part of their reason for closing an account. They continue to do this to thousands of us, hurting our credit in the process for no other reason than they can not properly manage their business and then panic when the economy isn't sluggish and they have a lot of bad debt on the books.
Their response to being bad stewards of credit is to act in bad faith. They harm the credit of people in an already tumultuous economy based on nothing but supposition. They have zero credible reason to close my account. The payments come in for them and every one of my other accounts every month with zero late payments or bounced payments. Like others in this world I rely a lot on credit to make purchases for my business and home and my credit usage routinely goes up and down as I make large payments as payments owed to me come in chunks. However, it has never affected my ability to make at least the minimum.
I don't even want an account with this XXXX bank anymore. I am sad that XXXX won't dump this clown institution and go with XXXX XXXX, XXXX, or XXXX like other stores that have responsible partners. My XXXX card is never closed annually on a whim, nor is my XXXX card, nor is my XXXX XXXX card. None of them do I have to do this rodeo with every year. Fortunately, this was my last card with this predatory bank. I just intend to run a website shedding light on these horrid business practices and continue to pressure their partners to move on. I have already been in contact with upper management at XXXX to let them know that Synchrony has lost them yet another longtime customer.
To those reading this report, do NOT get a card with this bank, not even an XXXX card. I know you want access to that credit, but it isn't worth it, a credit card offered from a reputable bank will work out so much better, even if you do have to pay a little interest. Get a secured before entrusting your credit with these clowns. You can not build any credit or repair any credit with a bank that just decides to drop limits or close your account every year because they made bad business decisions and investments. Any bump to your credit will just be negated and then some, one year later, when they close your account.
Synchrony bank is a predatory menace and it is time the government stops paying lip service to XXXX XXXX and take down this bank. I guess I have to start the campaign to lobby our elected officials and let them know we won't vote for anyone who does anything for this bank.
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| 02/25/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
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Web |
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I went online to pay my account monthly payment today. This is my XXXX account with Synchrony bank. To my surprise, I saw a message saying that my account had been closed. I was appalled as I make regular payments on my account and have had it for several years. When I called, they said the account was closed on XX/XX/XXXX and no one could tell me why specifically. A representative said something about a credit report. I have all payments showing on time on my credit report and have been rebuilding my credit successfully for years now.
I would like to say that I believe Synchrony Bank engages in discriminatory practices. For example, I have several accounts with them that I pay ontime, however when I try to get a credit line increase I am constantly denied. I mistakenly paid my XXXX credit account a few days late XXXX month -- this has been more than a year ago and they reduced my credit from {$600.00} to {$160.00} which is embarassing and damaging to my credit. XXXX has no reason to be picking on me and I am asking that they stop. I would like to be eligible for credit line increases on accounts I am paying in a satisfactory manner, have my XXXX account RESTORED, and also to not suffer further harm or damage to my credit. When accounts are closed it is adverse on the credit report as it is when credit lines are reduced. I have tried to get my XXXX account credit line back unsuccessfully. I think I am being picked on because I have an XXXX last name ( XXXX XXXX and this is DISCRIMINATION AND DISCRIMINATORY PRACTICES are going on at Synchrony bank that need to be looked into by CFPB.
I am on the telephone right now with a supervisor filing a local complaint with them about this. His ID is XXXX. He could not access any information related to why my account was closed. Your assistance is needed because I don't want them to close any of my other accounts. I have good credit. I just opened a XXXX credit account XXXX days ago and I am very responsible in paying my debts. If XXXX pulled a credit report on me and closed my account the question is why are they pulling a report? I did ask for any credit line increase on my XXXX account. What prompted this? Discrimination!!!!!!!
*I did suffer a job loss back in XXXX which caused me to be unemployed for the first time in decades of my adult life, and had to file bankruptcy in XXXX. I believe that Synchrony could also be flagging my accounts for some reason ; they gave me new credit as I started to rebuild after my BK XXXX, however they appear to somehow be still flagging me for no good reason. Again, I have been rebuilding my credit and have had no problem with timely payments. THERE WAS NO REASON FOR THEM TO CONDUCT A CREDIT REPORT OR TO CLOSE MY ACCOUNT.
This will further damage the XXXX XXXX I am working hard to increase because I will lose a credit line that I don't deserve to lose. This is my second time filing a complaint against XXXX. The same thing was happening with my XXXX 's account : repeated refusals to increase the credit limit and someone in the corporate office did take action to handle that matter. Since that time, if I go online and try to increase a credit limit on any of their accounts, same denial.
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| 05/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I have an Ethan Allen credit card issued by Synchrony Bank. The balance on the card has both promotional balances ( 0 % interest ) and non-promotional balances ( 29 % interest ). The promotional balance is new. When I make a payment now the entire payment is being applied to the promotional balance which is zero percent interest until next year, nothing is being applied to the interest bearing portion of the account. I called Synchrony. I was told a few different things by a few different people, but essentially it boils down to every time I make a payment I have to call them to tell them where to apply the payment. Fine. I did that. The payment however did not go where I asked, which was to the interest bearing portion of the balance. I called again. I was told that the transaction was not completed because the phone call was disconnected before the transaction was completed. That does not make sense to me. Then I was told that non of the payments were moved to the interest bearing portion of the account and nothing could be done retroactively. I was told I had to call within 10 days of making a payment, before or after to have the payment allocated. I did that. Then I was told, no, it had to be after I made a payment. I did that. I was told nothing could be done retroactively. That doesn't make sense. I was then told it could be done but would take one to two billing cycles to show up and that the interest may or may not be backed off. Then I was told that it would be taken care of when " the accounting department got to it. '' Are you confused yet? I am. I don't believe they are by law doing anything they can't get away with, but I do believe they are using unfair, confusing and antiquated practices and they feigning ignorance and blaming the confusion on the customer. Granted unfair is not illegal but I think they are pushing the envelope here. I have asked to have documentation about the conversations and payments sent to me and have been told that no one at Synchrony bank other than the legal department has access to email and that I should just " believe them '' when they tell me this will get straightened out. I do not. I have spoken to multiple customer service representatives, two account managers and am now waiting for " XXXX who is a People Supervisor '' to call me. No one has a last name and I was told that " XXXX the People Supervisor '' who is in charge of the account managers has " no more power to do anything than anyone else '', so what is the point of him contacting me? I can not reach anyone who has any " power to do anything '', which begs the question, what the XXXX is going on at Synchrony Bank? I have tried to figure this out myself but, if I can not speak to anyone who can actually assist me and get something done, what do I do? When I told XXXX, an account manager that I was not interested in apologies, because that's all I ever seem to get, I just wanted to get the issue resolved, I was told to change my tone of voice or she would hang up on me. I did not and she did. I believe they are intentionally making things difficult with the end goal being the customer gets frustrated and goes away empty handed while they rack up interest charges.
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| 06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American, Servicemember |
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I ask Synchrony Bank for a full refund of {$3600.00} that I paid to them without my authorization and without requesting a Care Credit card. ( 2018 ) I paid Synchrony Bank that sum of money for 24 months so that my credit would not be affected. Not because he agreed to such a charge.
Reasons for my claim I never applied for a CareCredit card from Synchrony Bank, nor did I authorize or sign any payment to Dr XXXX XXXX 's XXXX medical office.
This Synchrony Bank CareCredit card was created between the medical office Dr. XXXX XXXX and Synchrony Bank. Then the doctor 's office charged the amount he wanted without my authorization, I never had a physical medical report for payment or arrangement that came with Dr. XXXX XXXX, nor did I sign anything, I was never in his doctor 's office, and I do not know him.
I previously made a claim to Synchrony Bank with ( Cfpb Consumer Financial ) of interests that I did not understand, clarifying those interests and withdrawing them Synchrony Bank CareCredit said interests which I was satisfied but surprised by the other amount of the medical office.
The Cfpb office referred me to low-cost legal help to fix things with the doctor. The lawyer told me to talk to doctor. I sent him a letter. I did not receive a response.
I tried to locate him by phone to doctor, who would explain to me what he did not understand that collection of money the doctor refused to talk to me unless he signed documents.
I took him to court for small claims, the doctor virtually appeared and said that I have no claim because I never attended his office and I have not signed anything between the medical office and myself. Which the Judge and the Dr are right.
I was not present in said transaction nor did I request the Care Credit card, it was created without my consent. I never sign anything for them. I am a veteran, and I am treated by XXXX XXXX in the VA, that is why I did not know about the Care Credit System how it works because I never needed it Low-cost legal advice referred me again to Cfpb because things are not clear here as Synchrony Bank authorized this payment without my consent and to investigate more extensively why I have been harmed with said payment that I did not authorize.
I am now informing myself how this card was created, and I asked for a report from Synchrony Bank who signed and who submitted verification which they agreed to send me in 15 days to 30 days and it's been 5 weeks it still hasn't arrived I'm waiting for it. Because in their regulations they approve a card in 7 business days and how the Card was created in my name XXXX XXXX and without passing that regulation the card was approved and the same day the card was created the doctor 's office collects the money that I don't understand either.
The physical card arrived after 1 month and a half, but the doctor 's office had access to this card the same day they created it without being aware of it. I didn't know the card number or any other number, but I started paying because I didn't know. Where to complain at that time and he had never experienced one of these incidents.
Thank you very much for reading my case, I hope this is clarified and my money is returned to me.
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| 05/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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Good Day, XXXX XXXX has a practice where they suddenly and without warrant reduce your credit limit and thereby negatively affecting a persons credit score.
XX/XX/XXXX : Wal-Mart Credit Card managed by XXXX XXXX reduced my Credit Limit to {$100.00} immediately after I PAID OFF MY CARD.
XX/XX/XXXX : TJ Maxx Credit Card managed by XXXX XXXX reduced my Credit Limit to {$100.00} - then CLOSED my account within 30 days of my PAYING MY BALANCE IN FULL.
Note : Why do they do this when you pay them off? Ironic isn't it?
When you contact either retailer, they immediately tell you to call XXXX XXXX. When you call XXXX XXXX - they send you a " canned form letter '' stating that, " after reviewing your CBR - they have found that I have numerous delinquencies and Public Records ''. ALL OF WHICH ARE UNTRUE! You check for an INQUIRY from XXXX XXXX, ... nothing to be found. They did not review anything! I am a member of XXXX Credit Monitoring and there is no Inquiry from XXXX XXXX. Just lies!
I would like file a complaint and then if I am not addressed directly and intelligibly, I will move to file a Class Action Lawsuit against this entity for SLANDER and damages to my CREDIT SCORE ( both times ). I will start calling Law Firms next week. I have read hundreds of stories online from people with the exact same complaint. A class Action Lawsuit would be EASY.
I happen to be in the process of purchasing a home. My credit score is over 200 points HIGHER than when Synchrony APPROVED me for either card. My income is more than double. My credit utilization is well below 50 %. I have -0- open collections, -0- open public records, any delinquency shown is 12+ months or several years old.
XXXX and XXXX XXXX - MASTERCARD and VISA have increased my credit limits THREE TIMES in the last 5 months. My XXXX XXXX card also increased my limit from {$500.00} - {$800.00} within the last 60 days. Synchrony is incorrect! They are blatantly and falsely imposing these decreases and closings on MULTIPLE CONSUMERS and in some cases RUINING lives.
Additionally, XXXX approved me for a card just before this occurrence.
I will not sit down and just LET THIS happen ; now this is TWICE? Absolutely not.
Please believe, I could care less about carrying these cards. If I weren't closing on a home in 3 months, I would close this last one MYSELF.
XXXX - The largest retailer on the planet? Uses XXXX XXXX as well. My card has a {$700.00} limit that has never changed. I wonder why? If I'm so bad, shouldn't they reduce that limit as well? No, because I'm certain XXXX won't allow it.
I've also held Credit Accounts at ( XXXX XXXX ). Limits up to {$6000.00}. They approve it everytime. I pay in full every time and BEFORE the end of my contract.
Guess who manages that line of credit? XXXX XXXX. You know my TRUE history, yet you obviously NEVER REALLY review it before making these erroneous decisions.
My payment history is outstanding. I pay double, sometimes triple the minimum payment required. Oh, are you not making any money off me Synchrony? Is that why?
Please assist me and thousands of other consumers in making this right. There is something going on and the consumers deserve the truth.
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| 02/24/2016 |
Yes |
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Web |
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I purchased a room size air conditioner from XXXX XXXX in XXXX XXXX, Mi XX/XX/XXXX. The store credit card was issued initially through GE Capitol bank whose accounts were purchased at some point by Synchrony Bank. The complete balance for the transaction was XXXX as evidenced by the total amount owed on my XX/XX/XXXX statement ( see attached ). I paid the total amount due in full, 22 days later, on XX/XX/XXXX ( see attached ) and the ACH payment cleared my bank on XX/XX/XXXX ( see attached bank printout ).
Starting XX/XX/XXXX, they ( whichever bank " they '' were at the time ), started adding {$2.00} finance charges to a {$25.00} late fee on to my account despite it not being " late ''. Ultimately, I reached an agreement with them on XX/XX/XXXX and noted the " waiver of late fees '' on a computer note that day ( see screenshot from my pc ).
Subsequently, despite being wrong and agreeing to remove the unjustified late fees, they intentionally reported the incorrect and damaging consumer credit information to the Experian and Transunion Credit bureaus. This blatantly incorrect information was then re-reported by Experian and TransUnion to the XXXX XXXX base and was contained in a XXXX data base report to both " The XXXX ( XXXX ) " and my current auto insurance carrier, " XXXX XXXX XXXX XXXX '' respectively as recently as XX/XX/XXXX.
Subsequently, my carrier ( XXXX XXXX XXXX ) and also " XXXX XXXX '', from whom I was seeking a more competitive auto insurance rate, both cited the erroneous information provided by the credit bureaus as being legitimate evaluation criteria which they termed " reason codes '' or " attributes ''. These reason codes or attributes were used either by XXXX XXXX in calculating a faulty, contrived " insurance score '' or were provided to the Insurers themselves for the same purpose.
In Summary, whereas this scenario is the tip of an iceberg for me, the actions of all the parties above, passively working together, without any cross-checks on their practices, had the net effect of allowing them to assert their claim that " my insurance score '' is excluding me from qualifying for a lower insurance rate to which I would have been otherwise qualified to receive.
For those who do n't know what " an insurance score '' is or how it is used to justify raising ones auto insurance rates, I will put it into proper context. In this case described above, it means that because I financed an air conditioner and the finance company entered incorrect payment data in a database, it then means I am just a little bit more statistically likely to crash my car.
Despite weeks of working to correct this problem, no one at XXXX XXXX, GE Capitol, Synchrony Bank, XXXX XXXX " XXXX XXXX '', The XXXX XXXX XXXX, or XXXX has taken responsibility for their part in this fiasco and has felt any real responsibility to assist in correcting this situation.
This information is true and can be verified true as I have attached all supporting documents. I want this account to be published verbatim ( without the identifying information in the attachments ) as the companies involved should bear the brunt of any possible consumer backlash against their careless business practices.
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| 01/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Walmart/SYNCB, XXXX XXXX/SYNCB, GAP/SYNCB XXXX/SYNCB, hereinafter called " alleged lenders '' claims that they lent their money to me. Alleged lender claimed to me that the alleged lender would charge interest as compensation for lending me the alleged lender 's money. Financial institution 's CPA audit opinions claim that financial institutions involved in issuing alleged loans or loans follow Generally Accepted Accounting Principles, GAAP. There is a dispute regarding who loaned what to whom regarding the alleged loan. The alleged lender claims that they lent me their money. The alleged lender claims that the alleged lender has loan papers with the affiant 's name on it as evidence of a debt. The bookkeeping entries show the opposite and that the affiant was the lender and that the alleged lender was the borrower : According to GAAP, this is what happened : the alleged lender and financial institution involved in the alleged loan never lent one cent to the affiant as adequate consideration to purchase the affiant 's promissory note. The affiant first became the lender to the alleged lender and the alleged lender was the borrower. According to GAAP, the bank recorded the promissory note as a bank asset offset by a bank liability. The promissory note was recorded as a bank asset in exchange for credits in the affiant 's transaction account or to give value to a check or similar instrument. The matching principle in GAAP requires that there be a matching liability offsetting the promissory note recorded as an asset and that the liability shows that the bank/alleged lender owes the alleged borrower money for the promissory note that was lent to the bank or alleged lender. The promissory note was deposited in a similar manner as cash is deposited into a checking account. Depositing cash or a promissory note into a checking account or a transaction account is the same or similar to loaning the alleged lender the cash or promissory note. According to GAAP, the promissory note was deposited as a bank asset offset by a bank liability with the bank liability showing that the alleged lender owed the affiant money for the promissory note that was received from the affiant and deposited. When the bank deposited the promissory note and credited the affiant 's transaction account, the alleged lender, the one who claims they own the promissory note, recorded a loan from the affiant to the alleged lender, making the affiant the lender and the alleged lender the borrower. The alleged lender returned the equivalent in equal value of the loan to XXXX XXXX, the lender per GAAP. When the money was repaid to XXXX XXXX, the true lender per GAAP, the alleged lender claimed that the repaid money was a loan to a borrower named I. XXXX XXXX and ignored the bookkeeping entries which proved the money trail of who lent what to whom. The alleged lender claims to be the lender using a promissory note to claim they lent money to the affiant but GAAP shows that the opposite happened. The alleged lender did the opposite of what the affiant, XXXX XXXX understood and believed was to happen, creating an economic effect similar to stealing, counterfeiting and swindling against the affiant, XXXX XXXX
|
| 07/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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No email is provided anywhere that I can locate for Care Credit/Synchrony Bank nor XXXX/XXXX. They are all associates. On XX/XX/2015 I feel as if I was coerced and under extreme duress when I signed up for a XXXX through XXXX/XXXX. I was told I was " fat '' even though I only wanted to lose XXXX. and that XXXX was the only way I would ever lose it. I was frustrated and in tears but they told I would " feel better '' if I signed up and got on the program. I am XXXX yrs. old and felt extreme pressure to do so. I was required to pay up front but not with my own credit card. They would only deal through Care Credit/Synchrony Bank. I have filed XXXX disputes so far and they were ruled in the favor of the provider and my third dispute will be mailed XX/XX/2015. The cost of this program was {$1800.00}. Only after paying was I was " assessed '' to reveal the specialized " diet plan. '' I was hand scanned with a XXXX scan which XXXX calls its XXXX ( XXXX. This allegedly determines what foods you can and can not eat, places in your body that are not functioning properly and body fat ratio. I was given supplements, some liquid, some pills that were required to be taken either mixed with water and/or vinegar at only at certain times of the day. I was not provided any receipts or documentation at the time of joining XXXX other than the dosage of each individual supplement. One of the supplements in my program called XXXX XXXX, was never received.
I was not told of all the additional cost of the items and/or brands I was not allowed to use unless the brand was recommended by XXXX. These items include but are not limited to : shampoo, conditioner ( any hair care products ), any types of moisturizer/lotions, cosmetics, toothpaste/mouthwash and chapstick. I could not drink anything but purified water. These products plus the food I had to purchase cost an additional {$400.00} out of pocket. After the first XXXX days I was physically sick. I lost XXXX lbs. in less than a week on their diet. They guarantee a weight loss of XXXX lbs in XXXX days but no refunds. They also told me to stop taking my medications. I checked with my doctor ( even though I already knew ) and she said " Absolutely not. If you stop them abruptly, it can cause XXXX. '' I tried to email them for help which was supposed to be part of their program but never had a response until I told them I was dropping the program. The last letter of dispute ( XX/XX/2015 and XX/XX/2015 ) was sent certified to XXXX/XXXX specifically XXXX XXXX XXXX, ( the one in charge ), Care Credit/Synchrony Bank. As per Colorado Attorney General Office-XXXX XXXX, I sent certified letter ( s ) on XX/XX/2015 to demand they cancel my credit card and debt. I have researched XXXX, Synchrony Bank and the XXXX scan. The resluts were astonishing to me. XXXX is a very unhealthy and dangerous way to lose weight. They say they do not " diagnose '' but when they tell you what parts of your body are not functioning properly, your body fat ratio and foods you can or can not eat, to me that seems like a diagnosis. I would like my debt cleared. I am on a fixed budget and have spent more money than I can honestly afford trying to rectify this situation.
|
| 09/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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On XXXX I purchased a treatment plan for dental aligners from XXXX. To purchase my aligners and begin treatment, a representative from XXXX care team walked me through their payment options. Under her advice I set up a payment plan by opening a credit card account with Synchrony Bank/Care Credit .
- I opened the Care Credit acct to make one purchase of XXXX offered at a 36 month promotional/deferred interest period. A payment plan was set up to pay off XXXX $ a month, estimated to take a total of 28 months to complete. No other purchases have been made with this card.
- Purchase was made on XX/XX/XXXX, last payment estimated to be XXXX
- I called Synchrony Bank on XX/XX/XXXX and this information was provided to me by an employee. I was advised that when my original purchase was paid off, the interest accrued on my account would be waived and I could close my account at that point. This was carefully explained to me by the employee with no room for misinterpretation.
- I made my final payment and CLOSED my account oXXXX XXXX. On XX/XX/XXXX alerts for a due payment continued to be sent. I called Synchrony and after being passed around to a variety of departments, employees seemed unfamiliar with the promotion my account was opened under and I was told I must pay off the XXXX $ in interest accrued on this credit card. They suggested I call XXXX aligners to resolve the issue which seems absurd to me.
- Due to my dispute with these services, I have made no further payments. As a result, late penalties have been accruing and they have notified me they will report this to credit bureaus.
I'd like to emphasize the terms and agreement were not fully explained to me and were sent after I opened this credit account. In the agreement, there are written examples of promotional periods up to 24 months used to explain their promotional policy.
I dont have access to any more information on the details of the particular promotional period I was enrolled in either from Synchrony Bank/Care Credit nor my XXXX account. The app used to make payments offered no further information, but directed me to call customer service. The only way I have been able to find any information throughout this ordeal has been by calling the company.
The only document that was sent to me in writing was the 'Credit Card Account Agreement'- Terms for the lending agreement.
The document says my account agreement applies to any special promotion, and that any special promotional terms different than the agreement will be explained on promotional advertising and other disclosures provided to me [ Terms explained by XXXX, Customer Services for Care Credit falls under this ]. I have closed my account, and therefore can no longer access any online, past bank statements, documents or other information regarding it. I have no documents I can upload to this complaint.
The section for Special Promotion Financing in this document outlines the same terms explained to me when I purchased the XXXX kit and what the credit company 's customer service explained to me when I called them on XX/XX/XXXXXXXX
I have notified my lawyer and this complaint is the next step I have taken to resolve this issue.
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| 07/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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I have a CareCredit card ( through Synchrony Bank ) to pay for braces at a cost of roughly {$3400.00}. That is the only purchase on the card and will be the only purchase. According to the terms of the card, the payment will be {$160.00} per month over the 24 month period until the {$3400.00} promotional balance is paid. Each month I pay down the minimum as agreed. I know that the deferred interest is showing up on the statement, but what I did not recognize until a few months in was that instead of crediting my promotional balance by {$160.00} each month, they were only crediting {$130.00} each month towards the promotional balance.
This means that their system shows my promotional balance as being {$28.00} too high after each payment.
I was able to get this fixed for a previous month, so I tried paying double the monthly payment one month to see what would happen. Instead of seeing my promotional balance dropping by {$330.00}, my promotional balance again was only reduced by {$130.00}.
It appears that no matter how much I was paying, they would only reduce my promotional balance by a set amount less than what I was paying.
In this last complaint, I received the statement : " We are unable to setup automatic allocations of payments. We must be notified each month regarding your preference on how a payment should be allocated. Once your payment has posted to your account you may contact us at Customer Service or via the Online Messaging Center and we will be happy to apply your payment as requested. If you would like your payments to be reallocated, please respond to this message detailing how you would like each payment allocated. '' I find this completely unacceptable and not only deceptive, but fraudulent. When anyone agrees to pay the minimum as agreed to avoid deferred interest, the understanding is that the payment of this amount over the 24 month period ( or other period if no interest / interest waived with successful payments ) would result in a balance at the end of the 24 month period of {$0.00}.
The following info shows the result of what is happening : Initial charge : $ 3340 Monthly minimum {$160.00} ( should pay it off in 20 months ) Monthly application to promo balance {$130.00} ( makes it take 24 months ) Total to be paid by the consumer if they do not catch this fraudulent practice {$4000.00} Over 2 years, this results in an extra {$670.00} paid ( or 20 % of the initial charge ). So in essence, paying off a " 0 % if paid in full over 24 months '' promo will result in a net hidden charge of 10 % each year IF the consumer can't do the math on their own to see what Synchrony is doing.
If Synchrony is doing this with me, and I am being told as a consumer I need to individually reach out to them to try to get it applied correctly against the promotional balance using the basic everyday language of the agreement, then meaning of the agreement, then how many thousands of other customers are they essentially giving " 0 % deferred cards '' but in essence charging them 10 % in hidden math.
Thank you for the venue to submit this complaint. It is entirely unacceptable that they are doing this not only to me but to countless others.
|
| 05/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/2017 To : XXXX XXXX CC : All concerning parties Subject : Continuation of Consumer Finance Protection Bureau Complaint XXXX Thank you for your prompt response. I have disputed this account numerous times and advised the credit bureaus this was not my account. I have demanded validation of the debt many times and until your recent communication I had no clue of when this account was actually opened or the history of the account. I did not apply for this account. I did not authorize the opening of this account. I did not authorize any recorded payments to the account. I did not authorize any purchases made with this account. I have exhausted all avenues to resolve this account including approaching the suspected family member and demanding a payment be made to the account. I was informed by this family member that they indeed did pay the account in full and was shown a receipt of payment. Whether they paid the account in full, at this point is, no longer my concern. Time is not a luxury I can afford as this is a matter of urgency. I have attempted to file a police report for the fraudulent activity. After presenting your letter and explaining the situation to law enforcement I was advised pursuit of criminal charges is not possible due to the expiration of the statute of limitations for this kind of crime. I was advised this is a misdemeanor fraud which only provides the victim 4 years to report. Although I may not be able to pursue criminal prosecution, I would still like to resolve this in some fashion. Since you have already sold the debt, I did not authorize the opening of the account, and I have attempted to file a police report for this crime ; I would like to respectfully request you immediately remove this account from my credit file with all credit bureaus. I am the XXX of an XXXX XXXX and this fraudulent accounts existence on my credit report is hindering my ability to close a XXXX XXXX and earn a living. This acquisition would increase my annual revenue by $ XXXX. Every week this account remains on my credit reports it costs me {$3000.00}. Please be advised this letter is to notify you effective today, of the monetary damages this fraudulent entry is causing me. If I can not obtain your cooperation with the removal of this account from my credit file, I will have no option remaining except civil litigation for violations of the Fair Credit Reporting Act. I will seek all applicable statutory penalties and actual damages of the above mentioned loss in wages in the XXXX County Court. So the sooner we can resolve this issue the better for all parties involved. I have every intention of going forward with litigation within 10 days of your receipt of this final complaint, if I do not hear a response from your company. For legal purposes please refrain from contacting me via telephone. All correspondences regarding this matter shall be made in writing. You may contact me directly via email at XXXXXXXXXXXX or by mail at XXXX XXXX XXXX XXXX, NE XXXX or through the CFPB portal. For verification purposes I have included a copy of my drivers license. Thank you in advance for your cooperation and understanding, XXXX XXXX XXXX
|
| 10/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
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Web |
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I have been a XXXX XXXX credit card holder for almost 10 years if not more. I would like to memorialize my complaints which thus far have been dealt with piecemeal over the Synchrony chat agent and phone calls with the Synchrony Customer Service and Fraud departments, all of which have been quite useless.
My card ending XXXX was due to expire in XX/XX/XXXX. I primarily ( almost exclusively ) use this card for my business expenses and most of the transactions are automatic recurring charges for my software programs, office services, car insurance, etc. These are the lifeblood of my business as an attorney in private practice in XXXX XXXX, CA. By XX/XX/XXXX, I had not received a replacement card at my mailing address of XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This has been the mailing address on my account for, I believe, the entire time Ive had the card. I have previously received statements and cards at this address.
On XX/XX/XXXX, I chatted with a live chat agent who informed me a card had been sent in XX/XX/XXXX, which I never received. I was told that for my security the account number would be changed, my old account closed, and I would receive a card in 7-10 business days. I called and contacted chat agents at least twice as the 7-10 day window closed. On XX/XX/XXXX business days later, I was told that the card was mailed XX/XX/XXXX so to call back on Monday XX/XX/XXXX. By this time, I had begun receiving cancellation notices and errors on numerous business accounts which could not process the recurring payments. This is despite the assurances of your chat agents and my online account summary which stated that all recurring charge payments would be transferred over from the account ending XXXX to my new account ending XXXX. During this time period XX/XX/XXXX- XX/XX/XXXX, further, I was assessed interest payments despite being unable to use my account or my card. I could not make a payment if I wanted to. I was able to logon to my account and see that I had a new account number ending XXXX, but I couldnt view the XXXX digit number of the XXXX digit verification code. I understand this is for my protection, but it also meant I was powerless to change the recurring charges on my own.
On XX/XX/XXXX I still had no card. I chatted with an online agent who explained she would expedite a new card and referred me to the Fraud Department to change the mailing address. This was at my request in the event the mail service at my mailing address had somehow been to blame for two lost cards at this point. I spoke with a gentleman via phone who told me the account number would be closed, a new card issued and sent in 7-10 business days. I explained I had just spoken with an agent would said the card would be expedited. He agreed and said it would come in 2-3 business days but someone would have to sign for it.
On XX/XX/XXXX and XX/XX/XXXX, I made arrangements and took time off work in order to remain at home ( or to ensure that an adult over XXXX was home ) so that the card could be signed for. It is now XX/XX/XXXX. No card was delivered and now, my online account access is not functional so I cant even see what, if anything, is being charged to my account.
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| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Synchrony unilaterally closed my account. I have been a customer for many years. I have exceptional credit scores and payment history. I used the card as my primary payment tool.
Synchrony closed without warning, stating " payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. I had been an active user of the account to take advantage of their 2 % cash back program. I paid in full every month and often paid in advance. with some months payments greater than my purchases. In addition, I paid my bills when presented, not at the end of the period. In my life, I have never missed a payment or ran a balance over 30 days on any account. As for unusual activity, I am taking my family on a once in a lifetime trip that costs six figures. I was paying it on my credit card over a four month period in chunky increments. I called Synchrony to alert them to this purchase and pattern and asked for them to put it in their notes. When I had a five figure transaction, I paid the balance the next day. No credit exposure for Synchrony and certainly not indicative of future intent not to pay. Synchrony, for whatever reason, does. When they closed account, my account had an overpayment at $ XXXX. Quite a leap in judgement and a decision that doesn't fit the facts from Synchrony.
My complaint is that Synchrony has been holding onto my material balance of $ XXXX. In addition, I used their services with explicit purpose to earn cash back rewards. In their unilateral decision to close account, they unilaterally forced forfeiture of my rewards. I had a balance of {$31.00} of rewards coming into the month and then earned {$360.00}. That was earned in good faith and according to reasonable business conduct on my part and explicit foundation of the business relationship. Synchrony 's decision to close is their business but to strip away my material benefit is not in good faith but rather self dealing. In addition, they projected behavior that is not at all consistent with my history, intent or practice. I have called and appealed multiple times and their customer service says they can not address due to policy. This is plainly awful conduct and policy. I am not interested in doing any further business with them but it is not right they can strip away value based on commercially agreed upon activity prior to their projection of intent that differs from actual practice. They have no record or fact of misconduct or bad faith on my part. Synchrony is simply stealing what I earned in good faith and proper conduct and they cite their own policy/terms to justify the theft. I wish to have my rewards delivered to me under the terms of the commercial relationship in good standing, as the account details would clearly show. If they wish to project credit risk, that is fine. However without any misconduct or loss actually experienced over the many years, how can they snatch away the core benefits that the relationship was built upon all the while they profit from my business. Synchrony did not suffer any loss but imposed loss and costs on me. Bad act. Do not let Synchrony unfairly steal from it's own customers.
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| 12/18/2015 |
Yes |
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- Customer service / Customer relations
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Web |
Older American |
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We stored our RV at a storage company XXXX in XXXX 2015. I spoke with the agent there and told her that I was paying for 2 months and asked her how much the fee was. I was in XXXX, my son was there XXXX with the RV. She told me that the fee was XXXX or XXXX a month. I told her that I was just paying for 2 months. She said fine. My son took the RV out in XXXX. Then 2 months ago I noticed the charge of {$50.00} was on my card, then {$60.00} since then. My son called them and I called them for 2 weeks with our name and last XXXX digits of credit card for them to stop charging and take off those charges. They would NEVER call us back. I then called my credit card company Sam 's Club XXXX, Synchrony Bank and told them. They said they would do a dispute and in the meantime that I should cancel the card so they would not get any more charges on it. And that they would send me a new card. I received an email to be sure and re-activate my card, but I did not receive the card, so I called them back and after 2 hours of waiting and being sent from dept to dept they said that they had finally found my records and that they would continue with the dispute. I was charged an additional XXXX in this time that my card was cancelled and it was applied to my card.. I told the credit card company that they said it would not be charged again. I then received a letter yesterday saying that the " vender would only take off XXXX. I then called the credit card company today to say that was not acceptable, because they themselves told me to cancel my card, saying it was stolen, then they would re-issue a new card. They told me to do this. The card was charged again and then again I spoke to a manager of Sychrony Bank today, XXXX ( male ) at XXXX to re-open the dispute. He told me that companies can still charge even if you cancel a card. I told him that his company told me to do that. He said I did not have proof that I was not there. I told him that the RV is in my driveway now XXXX and that I could make a movie with him listening and he would know. And that I could come up with someone to sign that the RV is not there. He said that that would not do and that he could do nothing more for me. I asked for my records of the dispute and he started telling me to stop interrupting him or he could not talk to help me. I would listen and all he would say is that they could do nothing more. I told him that I have been an excellent customer and that he could not take my word for this and look at my records and see what I have tried to do? Why would I call them if I was there XXXX and my Rv was there and I was telling them it was not? The Sams Club XXXX XXXX credit company of Sychrony Bank only sent them a paper to fill out. They did not even call them. The Storage company will not even return my calls.
I do not know what I can do. My son took out the RV after 2 months like we told them. The RV was not there. This was in XXXX 2015. I have to cancel my card for good, that is all I can do, and how is this going to affect my credit? If I leave the card alone, Sychrony Bank will just keep taking the charge. I have left XXXX messages with XXXX Storage and they have not called as of today.
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| 04/08/2015 |
Yes |
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Web |
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To whom it may concern : I 'm writing to you in regards to the charge that Synchrony Financial allowed to happen on my credit card. In XXXX 2014. I contacted Synchrony to increase my credit limit so I was able to purchase flooring from XXXX XXXX. I put 20 % down in order to place my order. Next XXXX XXXX charged me for the majority of the flooring before the flooring was even installed which according to the sales person was not suppose to happen. I contacted XXXX, they credited my account {$5500.00}.
The installers who were installing my hard floor caused over {$8000.00} worth of damage to my home. I took XXXX XXXX to small claims court and was awarded {$4500.00}. The credit card company has a copy of the judgment. I sent them a certified letter which they received on XXXX XXXX.
XXXX XXXX was to credit my account {$4500.00} within 30 days of the judgment. They did not. I contacted XXXX who is the customer service rep ( who showed up at small claims court ) he stated that he was not going to credit. Next his boss XXXX contacted me, he stated that not only are they not going to credit my account the {$4500.00} but that I still owed {$2400.00}. I attempted to explain to them that was not the case that XXXX XXXX had already charged me for the majority of the flooring. XXXX asked me how I was going to pay for this, check, cash, and or debit or do they have to take me to small claims court. I stated that I do not owe XXXX XXXX any money and do not authorize them to charge my account due to my floors still not completed plus they have not paid the court judgment against XXXX XXXX.
After that conversion in XXXX, the same day I contacted Synchrony ... I told the representative that I spoke to the problem I was having with XXXX XXXX and asked to close my account she stated that I could not close the account due to money being owed on the account. I explained that I wanted to decrease my credit limit ( which she did ) I asked if XXXX XXXX could charge my account the {$2400.00}, she stated, " No '' due to the fact that I did not have the available credit. I also asked her to make note of this conversion in the system just in case something were to happen in the future with my account and she assured me that XXXX XXXX would not be able to charge my account.
I received my statement on XXXX XXXX. XXXX XXXX in deed charged my account the {$2400.00} even though I did not have the available credit limit nor did I authorize the charge. My credit limit was increased without my authorization or knowledge. What gives anyone the right to increase the credit limit on my account and place a charge that I did not authorize on the account. Furthermore if they allowed XXXX XXXX to increase my credit limit and place a charge without my approval this time. What stops them from continuing to charge my account for unauthorized charges in the future? This type of practice seems criminal.
I would like these unauthorized charges to be dropped. I will continue to fight with XXXX XXXX in regards to receiving my settlement of XXXX. I also want this account locked out so that no additional charges can be applied to it.
Thank You for your help regarding this situation, XXXX XXXX
|
| 05/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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|
Web |
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This letter is to notify Lowes XXXX XXXX about a dispute regarding a sales agreement for a fence installation with Lowes Store Number XXXX ( XXXX, GA ).
On XX/XX/XXXX we ( XXXX XXXX and XXXX XXXX ) received an installation proposal from Lowes XXXX ( # XXXX ) written by XXXX XXXX ( Lowes sales representative ). The proposal was for the demolition and removal of an existing chain link fence and the installation of a 6 privacy style wood fence. The sales proposal advertised ( 3 ) options for financing. Option 1 3.99 % for 36 months with a monthly payment of {$190.00}, Option 2 5.99 % for 60 months with a monthly payment of {$120.00} and Option 3 7.99 % for 84 months with a monthly payment of {$100.00}.
On XX/XX/XXXX we sat down with the Lowes sales representative and agreed on financing via the 3.99 % for 36 months with a monthly payment of {$190.00}. From there it was communicated to us that we would be receiving the contract shortly after.
On XX/XX/XXXX we received the sales agreement. During this time the Lowes sales representative communicated to us that the price had increased by {$460.00} due to additional material required. This additional amount revised the total price to {$6900.00}. On XX/XX/XXXX we signed after receiving in an effort to release materials as communicated by our sales representative.
On XX/XX/XXXX we received an invoice from Lowes with a total balance of {$10000.00} at an interest rate of 26.99 %.
From XX/XX/XXXX to XX/XX/XXXX we have paid an estimated {$4300.00} of which has not been applied to the principal or interest.
Based on the new terms we will have to pay roughly {$14000.00} for a fence that was advertised at {$6900.00} plus interest as communicated within the sales proposal. Reference below to illustrate the total amounts ( principal + interest ) as advertised and communicated : 1. Option 1 ( 3.99 % for 36 months with monthly payment of {$200.00} ) a. Principal : {$6900.00} b. Interest : {$430.00} c. Total Sum : {$7300.00} 2. Option 2 ( 5.99 % for 60 months with monthly payments of {$130.00} ) a. Principal : {$6900.00} b. Interest : {$1100.00} c. Total Sum : {$8000.00} 3. Option 3 ( 7.99 % for 84 months with monthly payments of {$100.00} ) a. Principal : {$6900.00} b. Interest : {$2100.00} c. Total Sum : {$9000.00} Clearly there has been an error as the amount invoiced doesnt reflect the rates and/or terms as advertised and agreed upon.
From XX/XX/XXXX XX/XX/XXXX we have been in direct contact with the local branch manager. While he has understood and communicated to us that this isnt correct and not how Lowes typically conducts business ; he has not been able to provide a resolution.
In addition to the above we were notified by the lender that a store associate signed us up at a 27 % rate with a security fee/Insurance. To date the money that has been paid ( {$4300.00} ) has only been applied to a " security fee ''. We did not agree to a 27 % interest rate, we did not enroll in the voluntary " security fee '', and we did not fill out an online application. From what we have been told by the lender ( Synchrony bank ) - the Lowe 's store associate filled out the online application without our consent.
|
| 07/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Managing, opening, or closing your mobile wallet account
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|
Web |
Servicemember |
|
In XXXX of XXXX, I received a letter from Synchrony PayPal stating they were closing my account and had NOT received payment for 3-4 months!! I knew this had to be a mistake my account was on AUTOPAY!!! And XXXX LATE OR INSUFFICIENT FUNDS!
When I called Synchrony PayPal, ( on a recorded line ) the customer service rep said, You need to check with your bank, you probably dont have enough money in your account!! WOW! How can you assume or make a statement like that!?! Especially, when Ive NEVER been late on any accounts!
I called my bank anyway ( to make sure ) since we did get hacked at the beginning of pandemic ( XX/XX/XXXX ). My bank verified there was no reason for payment to be rejected. My bank account had plenty to cover the bill.
When I call PayPal back, I spoke to a representative who finally admits that PayPal had a glitch in their system. She advised me to login to my account and delete my payment information. Then wait a week and re-enter your payment information. I asked for a document of proof stating this happened. She said, yes of course, and I would receive the letter within 10 12 business days!
I NEVER RECEIVED THAT LETTER!!!!
Instead, I receive letters from Synchrony Bank to notify me of the accounts they closed or decreased the credit limits on.
The accounts closed and limits decreased are : Rooms to Go the credit limit was {$3000.00}. They decreased it to {$1700.00} about {$10.00} over my balanced due causing it to be over the limit!
Synchrony Home- {$4500.00} credit limit - {$0.00} Balance - closed with excellent payment history.
Synchrony - Shaw Flooring - {$4500.00} credit limit {$0.00} Balance closed excellent payment history.
Synchrony - Care Credit with {$2000.00} credit limit {$0.00} Balance closed with excellent payment history.
After NOT receiving a letter, I called PayPal again, but this time the rep said, I havent heard of any Glitch in our system and needed to collect a payment!. I explained that I would NOT be making any payments unless this was fixed and all extra fees were removed. Plus, the accounts that were closed and credit limits decreased needed to be reversed.
THIS HAS MADE A HUGE NEGATIVE IMPACT ON CREDIT!
An investigation was done by Synchrony XXXX to see why this happened. The conclusion was that I was just NOT making payments! This is beyond frustrating! I was on AUTOPAY WITH PLENTY OF FUNDS IN MY ACCOUNT. THERE WAS NEVER AN OVERDRAFT CHARGE OR ANY STATEMENT BY MY BANK THAT IT WAS REJECTED! ( I will include bank statements. ) Synchrony Bank refuses to take ownership of the Glitch in their system and will NOT fix the damage theyve caused to all of these accounts! As a matter of fact, they reversed a late payment they removed saying after they investigated, it was due to NO PAYMENT! nothing else! This is NOT TRUE AT ALL!!!
I WOULD BE HAPPY TO PAY SYNCHRONY BANK IF THEY FIXED THE DAMAGE DONE AND REMOVED ALL FEES ACCUMULATED FOR THIS GLITCH! And DAMAGE DONE TO MY CREDIT REPORT! UNFORTUNATELY, THEY WONT DO ANYTHING TO FIX THIS!
THIS IS ABSOLUTELY RIDICULOUS!
IM DEFINITELY NOT THE ONLY CUSTOMER OF THIS COMPANY THAT THIS HAPPENED TO. THE REVIEWS ON THEM STATE SIMILAR SITUATIONS QUITE OFTEN!
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| 06/18/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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|
Web |
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I am just going to summarize the harassing events because it has caused me stress and emotional trauma for several years now 1 ) to begin, I was interested in getting XXXX XXXX in my lower XXXX to fit a partial XXXX and XXXX XXXX. I had my front teeth but had a XXXX XXXX XXXX. Was told I had " XXXX '' sarcastically by XXXX which was a vicious lie. He had an assistant who told the tale of her XXXX days in OR and like to critizie others to improve her appearence. I was mislead, misunderstood, I thought the cost, over {$12000.00}, included four XXXX in my lower XXXX. This was intentional, they knew I was vulnerable ( because teeth affect your self esteem ) at XXXX XXXX in XXXX, AZ. Was offered " their '' company to borrow extra money from Synchrony bank, receiptionist was VAGUE ABOUT DETAILS, I was under the impression that I would receive email information from the lender, she stated several times it was their company. Synchroniy must be aware of their tactics there at XXXX XXXX. Missed a payment or 2 before I got loan details, started receiving harassing phone calls, up to 3 or 4 a day at 2 months.
2 ) The XXXX grounded down my XXXX XXXX without my permission, pulled several XXXX that would have lasted another 10 years, XXXX a XXXX XXXX, then placed a XXXX XXXX, leaving me with no XXXX XXXX, doesn't sound like a plan I would agree to for over XXXX dollars, ( since I live at the poverty level ) when I went in interested in getting implants? XXXX user asked me, how do you chew XXXX, humiliating me and covering the " fraud ''. I paid over XXXX in cash, so small amount was financed thru Synchrony Bank, had no choice, my XXXX were XXXX, traumatic experience 3 ) was harassed by bank or collection company ( not sure which, another tactic ) so many times, they tried to put my emotions in imbalance, like them getting their money back was the most important thing in the universe and I was their property to call as much as they wanted, " control as much as they wanted '' I can produce phone records to confirm this.
4 ) My synchrony loan records are not available to me on line now, I just tried to pull records, so my details are just pieced together from memory and bank statements. I made a XXXX or XXXX dollar one time paymnet to pay off a XXXX in the spring of XXXX as halr a payment to pay off in full of remaining balance because at this point I could no longer tolerate the thought of dealing with them and they took the money as interest as if I was behind on payments when I was not. I did not make a payment the next month because they took the extra payment as illegal interest and the harassing phone calls resumed, 3 or 4 a day. Uf they are so on top of things wouldnt they have known this, they are like a collector for a a loan shark.
5 ) their lawyer from XXXX XXXX FL started calling me, if Ihave learned one thing in life it is never to talk to the opposing parties lawyer, I only owe them around {$300.00}. They have added over XXXX dollars in intersted from 2 years back and have filed a civil law suit which I just received notice for, court is postponed in XXXX XXXX County due to covid, how can I defend myself if I dont have asses to my records?
|
| 12/16/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I really need your help to solve this. I am super close to getting my number changed just to stop the phone calls and text messages even though i blocked their number they call from a different line? I had purchased a bed at XXXX XXXX XXXX in XXXX or XXXX XXXX. I have paid this loan off before i moved out of state. I as well made sure the bank account was closed after i fully checked with that balance was paid off. I get phone calls multiple times a day as well as emails. I have opened two fraud complaints with the company ; they state that i will not get calls about the past due " balance '' but they never go through with the complaint. I have tried to get loan officers to help as well. None of this or the dozens upon dozens of times i have communicated that this is not my debt. my monthly minimum payments were {$5.00} but i always paid {$100.00}. my total was just around {$2000.00} but not exceeding {$2200.00}. I know i paid this off and i am getting harassed so many times a day i had to block their number. This is the most recent email that i have received : Payment Due Date : XXXX Statement Balance : {$2300.00} Total Minimum Payment Due : {$650.00} Payment Due Date : XXXX Statement Balance : {$2200.00} Total Minimum Payment Due : {$530.00} Payment Due Date : XXXX Statement Balance : {$2100.00} Total Minimum Payment Due : {$400.00} Payment Due Date : XXXX Statement Balance : {$2000.00} Total Minimum Payment Due : {$290.00} Payment Due Date : XXXX Statement Balance : {$2000.00} Total Minimum Payment Due : {$170.00} Payment Due Date : XXXX Statement Balance : {$1900.00} Total Minimum Payment Due : {$67.00} my " monthly bill '' has gone up {$600.00}.
I couldn't find the other emails that go back farther. I also sent my ( when i actually bought my bed ) payments over check.
The balance is going up and up and i did not purchase anything besides 1 transaction in XXXX. I have been getting harassed by this company for almost two years now.
Even though this is not my debt i closed that bank account associated with that loan after i paid it, and i waited for it to completely cleared when i moved to XXXX on XXXX however, some of the emails from this company states that my last payment was in XX/XX/XXXX. It is not feasible that i could have made payments let alone owe around {$2400.00}. This has a hold on my credit and my XXXX XXXX has gone down due to this company. I would like to solve this and get my XXXX XXXX back up. I do not have a single debt collection in my name for i pay all my bills! I cant have up to XXXX phone calls a day not listening to me and telling me that i have to pay this regardless if its not mine.
I do not know my account number associated with this fraudulent affair due to the fact i paid my full balance and i can not get in to see someone used my account to purchase {$2400.00} loan. the only action that i have not taken was to send a cease and desist letter. I do not have access to any statements or itemized list from the company since i do not know what my account number is and when asked they told me they couldn't tell me that. I hacve not given my updated address for i didn't want to be harassed by letters as well.
|
| 07/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Older American |
|
I opened a credit card account with GE Financial to finance an air conditioner purchase at an attractive rate. The amount was paid and I did not use the card further. GE Financial was spun out and changed its name to Synchrony Bank. Unbeknownst to me and certainly unauthorized, my ex-wife authorized our daughter to use the card and told her that she would pay any balance due. To facilitate this, she contacted Synchrony Bank, again unbeknownst to me, and requested an address change on the card to her address. Synchrony Bank without my authorization and possibly illegally changed the billing address. Charges were then made to the card and the balance evidently went past due and eventually was never paid. I finally learned of this problem from my daughter and was horrified to learn that charges were being made to my card without my being aware, because of the unauthorized and possibly illegal action taken by Synchrony Bank to change the billing address to someone to whom I was no longer related -- my ex-wife.
Once I became aware, I contacted Synchrony Bank and alerted them to the problem. A copy of that letter is attached. Synchrony Bank never responded to my offer to pay the principal balance due with out interest and late charges owing to the fact that they made the unauthorized and possibly illegal change to my billing address. In the meantime, my wife of 15 years and I were refinancing the mortgage balance due on our residence only to find out in the process that Synchrony Bank wrote off the balance due and reported that to XXXX, XXXX and XXXX. Again, much to my horror, I learned that my credit scores, which had been above XXXX, are now in the mid XXXX and that because of that I was no longer eligible for preferred rates on the mortgage refinance.
This is just wrong. If anyone 's credit report should be annotated it is my ex-wife 's. She colluded with the bank to change the billing address on my card without my authorization, authorized charges on the card and then never paid them despite telling our daughter that she would. I was unaware of any of this, thanks to Synchrony Bank 's unauthorized and possibly illegal actions, and when I did become aware notified Synchrony Bank promptly. Then later when I learned of the credit reporting problem in addition, I contacted Synchrony Bank again requesting them to remove the notations on my credit report. That letter is also attached. I have heard nothing by way of reply from Synchrony Bank.
I am now in the process of contacting you to see if the CFPB can help. I am also contacting the 3 credit agencies to see what they can do. If this doesn't get resolved soon, I will be forced to file a legal complaint against Synchrony Bank. I would prefer not to do that, but all of this could have been avoided if Synchrony Bank had not changed my billing address without my authorization and possibly illegally. I have no problem if Synchrony Bank unilaterally decided to write off the debt run up by my ex-wife on my card without my authorization and possibly illegally. However, if they annotate anyone 's credit report it should be my ex-wife 's not mine. They obviously know who she is and how to find her.
|
| 08/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I first opened the Care Credit card in XX/XX/XXXX to help pay for my XXXX XXXX. I opted for the promotional 'No Interest if Paid within Promotional Period '. The promotion would end XX/XX/XXXX. So I continue making my monthly payments, always paying on time ( sometimes early ) every month. The monthly amount I paid varied ( {$50.00} was the set amount but between XX/XX/XXXX and XX/XX/XXXX I paid upwards to {$100.00} a month to make the promotional deadline ). The promotional period charged me no interest but the fees varied. Fast forward to XX/XX/XXXX. I made my monthly payment of {$32.00} on XX/XX/XXXX ( due on XX/XX/XXXX ). I check my email this morning and I see I 've been charged with more fees due to 'impartial or late payments'- which is not true. I 've never been late and I pay my full monthly amountopted for the promotional 'No Interest if Paid within Promotional Period '. The promotion would end XX/XX/XXXX. So I continue making my monthly payments, always paying on time ( sometimes early ) every month. The monthly amount I paid varied ( {$50.00} was the set amount but between XXXX and XXXX I paid upwards to {$100.00} a month to make the promotional deadline ). The promotional period charged me no interest but the fees varied. Fast forward to XX/XX/XXXX. I made my monthly payment of {$32.00} on XX/XX/XXXX ( due on XX/XX/XXXX ). I check my email this morning and I see I 've been charged with more fees due to 'impartial or late payments'- which is not true. I 've never been late and I pay my full monthly amount before the due date. My balance is back to $ XXXX- same amount it was in XXXX- and I made an early payment in XX/XX/XXXX. My complaint is how do they expect me to pay this off when ( even after making payments ) the fees charged brings my balance back up again? With these high fees it 's like I 'm not even paying it off, which means it 's taking me longer to pay it off. If that makes sense. Another issue I 'm having is the fact I 'm paying on time ( sometimes early ) and they are telling me I 'm being charged a fee due to impartial or late payments. The sooner I pay this off the better. I 'll never use Synchrony Bank 's care credit card again. before the due date. My balance is back to $ XXXX- same amount it was in XX/XX/XXXX- and I made an early payment in XX/XX/XXXX. My complaint is how do they expect me to pay this off when ( even after making payments ) the fees charged brings my balance back up again? With these high fees it 's like I 'm not even paying it off, which means it 's taking me longer to pay it off. If that makes sense. Another issue I 'm having is the fact I 'm paying on time ( sometimes early ) and they are telling me I 'm being charged a fee due to impartial or late payments. I have n't spoken to Synchrony Bank 's customer service yet but based off the other complaints I 've read, they have n't been much help.
The sooner I pay this off the better. I 'll never use Synchrony Bank 's care credit card again. Can someone please help me? Give me some insight please. Should n't my concerns matter as a consumer who not only pays the amount but also pays on time/ early? Any help you can offer is greatly appreciated!
|
| 10/10/2023 |
Yes |
- Credit card
- Store credit card
|
- Other features, terms, or problems
- Credit card company forcing arbitration
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Web |
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I applied for this card ( the Amazon Secured Card Managed by Synchrony Bank XXXX XXXX ) with the expectation and understanding that I would receive a card with a Visa or MasterCard logo and even while secured ( with my own money ) the understanding that I would be able to use this card anywhere. I just came out of a long rehabilitative process and I'm trying to do right by the laws and by being responsible credit-wise. I make and enjoy purchases from amazon.com and because of the breadth of AMAZON I had no reason to question that anything its name is on has a reputation as good as it ( amazon.com ) After they got my money ( the security deposit ) I was then told that it was only a card to be used strictly for Amazon.com purchases and then that it had no logo. Even coming to grips with this I still asked for the card and I was told that it will come in the mail ( which I waited and it never did ). Somewhere in the process I was able to review my credit report and saw that Synchrony reported ( somewhat favorably ) so within that I looked forward despite my initial plan to close out the account for misrepresentation.
I didn't know much about the card or even how it worked but I knew that I should be able to make purchases from Amazon on it, my security deposit 's worth.
Everything dealing with that card and dealing with Synchrony Bank is especially difficult, and the kicker is they don't let you know the account number which is on that card and anything pertaining to having access to your money is super slow especially when you make a lot of purchases from Amazon like I do.
Recently I needed to change the phone number on the account. The number I used to set the account up, I'm not using that number much anymore so I went to the usual channels I'm talking to customer support and even trying to change the number with only access they have at their website. It was weird because it was so difficult and pretty much everything dealing with them they offer to paper mail things to you which will take 7 to 10 business days even to gain access.
The culmination of the whole thing is that when they did end up coming with a solution to change the number they offered to send the OTP to a number with the last four digits I didn't recognize or to send it to a number of my choosing ( the number of my choosing mysteriously didn't work and mysteriously, customer service 's attempts to send the OTP to the number on the account didn't work either ) Upon humbling myself and many calls and talking sweetly to customer service I found out that the number they presented me with was an old number ( possibly with an old bill - more than 20 years ago ) that the data collection company " XXXX '' has on their records and Synchrony is " leveraging '' by squeezing my money and making me succumb to being victimized by XXXX tactics because they feel they have no other options much like many people who apply for this card do.
I just think it's low down dirty and underhanded for them to introduce ( ever so casually ) some other left field factor to propagate XXXX 's data collection aggregation, without which I am denied XXXX century convenience of access to what's mine.
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| 03/24/2017 |
Yes |
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Web |
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I was unfairly and wrongly charged back interest on unpaid promotional interest purchases. When logged into Amazon store card online, you can select promotional purchases, which shows you the promotional purchases that are going to expire, however in this instance, I had too many promotional purchases ending on XXXX XXXX, so many were apparently not being displayed. The amount I was charged for not paying the promotional purchases off in interest charges was {$420.00}! and then I was unknowingly being charged interest on top of that each proceeding month thereafter. Thus I thought I was paying off all of the promotional purchases before the expiration date, not knowing there were many more not even being displayed on the website page like they were supposed to be. This was caused by a glitch with amazon store card 's website being unable to display the full list of promotional purchases if they are too numerous, which I was unaware of.
These purchases were displayed on my digital statement, but I felt no need to look at the digital statement as the promotional purchases page is SUPPOSED to show all of my soon to expire promotional purchases. In addition this information is not given to the consumer to be aware of. In addition, I was never contacted or told in anyway that I had not only did not pay off all of my promotional purchases, nor was I told I had an additional 30 day grace period to pay them off. If I had been told I had not payed them or that I had a 30 day period to pay them I would have certainly paid them off to avoid the massive interest charges. Additionally Amazon store card makes no effort whatsoever to educate consumers on how their system works, or how to use it. I believe since the promotional purchases page did not display all of my promotional purchases, only some of them, so that I could see them and make sure to pay enough to pay them off and avoid massive promotional interest charges, that I should be refunded my promotional interest charges stemming from that date and incident.
Surely I would have paid off the entire amount to avoid subsequent massive interest charges of {$420.00} plus continuing interest charges to follow. I was completely unaware of all of this or my accruing interest until today, XXXX/XXXX/17. I was very strict about paying them off in time and had thought there was no issues on my account, nor interest accruing balances! In addition to all of this, XXXX of the most damning things against Synchrony Bank Amazon Store Card is, nowhere on the monthly statements does it show or mention ANYTHING about a current balance subject to continuing monthly interest, so a consumer would have no idea there are charges accruing monthly interest as the statements only display information about FUTURE expiring promotional purchases, neither does it show or display any information or amount for expired promotional purchases that will continue to accrue interest, this in of itself should not be legal as a consumer would have no idea what is actually occurring with their account by just looking at the statements! In addition the information is confusing and well hidden, and not displayed prominently or clearly.
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| 08/13/2016 |
Yes |
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- Credit card protection / Debt protection
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Web |
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Hello, I have a charge off with amazon that they sold to XXXX in XXXX XXXX. My account was opened in XXXX I recently found out about a consumer lawsuit that synchrony had that included illegal practices and my account qualified since I had account security yet they closed my account without allowing me to use it although they put the account security automatically on my account unbeknownst to me.
To make long story short, they added this extra add-on for account security insurance that I had to look at a paper bill to note that they added that fee to my account monthly and it was in the event of job loss etc. they would cover up to {$10000.00} of my bill and I would make payments of XXXX % or so of the debt.
The relief of the lawsuit was to be a credit for the fees in a check, a reduction of your final bill even if charged off { which I never received } or as it says in page XXXX of the pdf a delete of your account at the cra level and they also had to notify the cra of these things.
This lawsuit covered accounts between XX/XX/XXXX and XX/XX/XXXX depending on which part of the lawsuit applied to you.
Here is the link of the lawsuit and the relief that they needed to provide and did not in my case. This was in XXXX, however, my account is from the period for which this lawsuit was done.
XXXX here is also a link to the CFPB article on this same lawsuit that I found : XXXX
Here are my data points : 1. I was late a few times due to job loss and they closed my account when I went to make the next payment and told me that it could not be reopened. Ok.
2. I pleaded with them to let me pay the next payment that I wanted to and they said it is already closed too late.
3. I explained to them that due to the job loss I was a late a few times but they never ever told me of my option with this insurance that they added to my account without my permission that I was allowed to have account security and that I would meet the conditions of being covered. They kept this from me.
4. According to the lawsuit even after it went into charge off they should have reduced the amount by the amount of the fees of adding this add on that I did not consent to and they did not instead when they sold it to XXXX XXXX in XX/XX/XXXX the amount was double the final bill of XXXX and now it is still XXXX and pra continues to reage the account monthly.
5. They did not notify me or the cra of any of this or of the relief and I never received a check in the mail either.
6. ON page XXXX or so of the synchrony pdf above it states that the trade line may be deleted.
I attempted to call Synchrony in order to discuss with them and they simply told me that I could only deal with XXXX XXXX XXXX as they had my account. Speaking with XXXX XXXX is impossible because all they want is to get paid. And they too are in violation since I asked for no communication via phone and I have screenshots of my phone how they call me daily as I wake up and in the afternoon and at night from various numbers that I googled to be them. Harassment is what XXXX XXXX is doing aside from re-aging the account monthly so that I appear to have a new account in collections with them every month.
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| 10/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XXXX I contacted Synchrony Bank to dispute a transaction for {$620.00} on my Sam 's Club credit card issued by their bank ( See attached ).
XXXX XXXX had charged my credit card for a trip that my family was never able to take because of the COVID lockdowns in the state of Colorado and my home state of Missouri.
On XX/XX/2020 ( Day of the Flight ) I was able to contact a representative from XXXX and was told the only recourse I had was a credit voucher that would expire in 90 days. I took this option because they refused me a full refund.
On XX/XX/XXXX I attempted to use this voucher online to book a trip for my family. After many failed attempts to use their booking website XXXX I began a weeks long futile effort to contact their customer service center at ( XXXX ) XXXX ( Documentation Faxed to Synchrony XXXX ) spending over 250 minutes waiting for a representative to answer. With multiple single calls of over 60 minutes before hang-up. On each attempt I was hung-up on or the line would disconnect.
It was impossible to reach anyone at the airline to book a flight with my voucher or to use it online, because their site kept crashing.
Further proof of this fact was faxed to Synchrony as well on XXXX including a statement from the Colorado Attorney General about similar complaints that his office received and his belief that XXXX had broken Federal law and the USDOT should investigate.
Synchrony Bank issued a credit to my account on XXXX and on XXXX I received a check for {$340.00} for the balance of the dispute, minus transactions already on my account. So I assumed the matter was closed.
I was surprised to see a charge of {$620.00} show up on my account on XXXX a full 63 days and 3 billing cycles after the initial dispute. 3 days and 1 billing cycle beyond what the law allows ( 60 days and 2 billing cycles ) in these cases!
The case should have been closed with no charge back allowed beyond the legal limit period.
On XXXX after reviewing my account, I contacted Synchrony Bank Customer service via phone and was told I could appeal. I was sent a document ( See attached ) that stated my account would be credited {$620.00} and it never was, I ended up paying the disputed amount via auto-pay at the end of the billing cycle without resolution of this case. Another example of Synchrony skirting the rules and regulations put in place to protect consumers.
On XXXX I faxed the evidence to support my case to the XXXX as instructed and received confirmation of their receipt ( see attached ).
As of today ( XXXX ) I am still waiting on a letter ( promised weeks ago ) explaining why they decided in favor if XXXX in this dispute.
In conclusion I feel Synchrony failed to live up to the letter of the law, by : 1. Skirting federal time regulations in regards to making refunds permanent.
2. Not providing provisional credit for amounts in dispute.
3. Not protecting me as a consumer from fraud committed by their merchant If issuing a voucher as a form of refund and then refusing to answer your phone or fix your website to allow it to be used in the 90 days before it expires isn't the very definition of fraud I don't know what is.
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| 09/13/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/21 I shopped in Marshalls ( address : XXXX XXXX XXXX XXXX MD XXXX ), and when we got to the cashier to pay for my items she asked me if I wanted to apply for marshalls store reward card. Since I was not residing in the USA for a while and im in the process of returnin and settling down in the states, and since the cashier never mentioned it is a credit card Ive agreed to the shop card and never even imagined what she is signing me for is a credit card. After giving the cashier my details, she handed me the receipt envelope and said that I will get the decision for approval or denial for my new credit card by mail, I was shocked as it was the very first time she used the word " credit card '', I asked her to stop right there and asked her what does she mean by credit card approve/ denay and asked her if it wasn't a store membership card she signed me for as she never mentions it is a credit card she is signing me for. her reply to me was that yes it is a CC, and not to worry cause im going to love it just like all her customers, I said to her that I dont want any credit card I just wanted the normal/ usual shop card, but she claimed it was too late cause she already sent the application, and again not too worry as her costumer just saved {$800.00} and etc. I was shaking on my way back to the car, and immidiatly began phoning tjx rewards CC customer service, but it was too late as the representative said that the application ( which I was never told XXXX signing for ) was denied and there is nothing she can do to help me. A couple hours later, I phoned the XXXX of XXXX ( same location ), she said she is sorry as there is nothing she can do besides talk to her employees and make sure that in the future they will mention to their consumers that the card they offer is credit card and she also suggested to call XXXX and/or XXXX and ask to dispute the cc inquiry. so, I called XXXX XXXX XXXX told them what happened and they instructed me to phone thx a credit card to ask them for a dispute letter and have them send it to them so they can remove it from my records. so, i called tjx cc and the answer I got was that they submitted my request and they will mail me their approval/ denial decision in XXXX days. I was shocked, why they need to decide if to approve or deny the credit card request dispute, I am the one that misleads and im the XXXX needed to pay the price of their employee 's misleading and unworthy behavior. The fact is that im XXXX yo, and ive been working very hard many years to save money and build my life on the right path. Ive been working hards on complying with the credit system and been dedicated to sustain and raise my XXXX XXXX. Ive been saving money for a long time and also minimized expenses as I want to buy my very first home. For me, XXXX credit points are important points, and losing XXXX points on my credit reports due to a careless and misleading sale is devastating. I hope you could help me by disputing the false XXXX Credit Card request and help me gain back my XXXX credit points/ score. I would greatly appreciate your assistance in this matter and wish to have my justice. Thank you very much, XXXX XXXX
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| 11/14/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Older American |
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In XXXX I was a victim of an assault which resulted in my teeth being knocked out. From my senior year in high school, I suffered from XXXX XXXX I did the proper maintenance to keep my XXXX, unfortunately being struck in the face it knocked my already delicate XXXX out. The state paid for my XXXX with a victim 's fund. XXXX XXXX put in my initial XXXX and XXXX which was an all on XXXX.
The doctor ( XXXX died at the end of my procedure ) that put in my XXXX said, I would probably have to replace the XXXX after XXXX years. The XXXX not the actual implant, so, after XXXX years one of the XXXX in the XXXX kept falling out so in my mind, I thought that it was time to replace the XXXX. I went on to secure funding for XXXX XXXX to do the XXXX year replacement. I qualified for {$11000.00} through Care Credit /Synchrony Bank and he was paid XXXX and started the procedure. He did not take any panoramic views or scans which I thought was odd, he used a cookie cutter method by just using the old XXXX for measurements. From that they made a mold, but she kept dropping the mold. Maybe why it didn't fit properly. Every time he would put in the XXXX, within a week a tooth will fall out or the XXXX will crack in half and would have it repaired. This happened on XXXX occasions, unfortunately, during the last time I had to have XXXX XXXX XXXX and I was in a very critical state most of XXXX starting from XX/XX/XXXX through XXXX of XXXX, I was in the hospital recovering. He still had the XXXX in his possession to fix. Now in my new home in XXXX, another XXXX XXXX XXXX is trying to help fix the problem. I'm still wearing my old XXXX. Keep in mind a new one was paid for that doesn't fit and can't be repaired. XXXX XXXX mailed them XXXX XXXX XXXX, he explained that the measurements were off, and the XXXX were never going to work. I've paid some on the Care Credit account all the charges were XXXX XXXX XXXX but I stopped paying it because he didn't perform the procedure correctly. I posted my concerns on his review page, and I told him my concerns. Now the credit card company is trying to serve me with court paper to sue me, I had to sell XXXX home when I became ill and I used the equity from a {$300000.00} home which turned out to be {$100000.00} to buy property for XXXX in XXXX XXXX and the rest was used for moving expenses. I'm currently on XXXX and this is my primary home and they are trying to serve legal documents to attach my home which is my primary property and I feel it's not fair for him to been paid {$11000.00} for service that was never rendered properly. I actually feel he should pay me for damages because I'm currently losing XXXX with the old XXXX that was put back in my XXXX. A decent condition was made worse, I had a dentist to analyze the XXXX that XXXX XXXX made, and he stated that that XXXX would never fit correctly based on how it was made. Should he be responsible for the damages, emotional stress and financial stress of paying someone to correct the problem. He was paid by Synchrony Bank. Synchrony has hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/18/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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I did a 3 min paypal credit I thought in XXXX via my XXXX account. On XX/XX/XXXX I got an email " reminding me '' that my paypal credit account was available for use. Notice that the email states that to see the balance I needed to " link '' my credit account to my paypal. The account would NOT link even though the information I input was CORRECT. So I was told to call 3 different numbers XXXX. I was kept on the line for 2 hours to finally be told that the account was linked to XXXX! This is NOT my " in use '' paypal account and it was apparently used only once in XXXX to pay with a prepaid card. I was eventually able to access the XXXX account and NO PAYPAL ACTIVITY IS EVER RECORDED ON IT! XXXX keeps emails and my welcome email is dated for today! So it looks like they created it today to explain why I couldn't link the XXXX account to paypal credit. From this experience it appears that Paypal and Synchrony Financial ILLEGALLY grant you a paypal credit account and then make it unusable until they can extract credit check information from you to make it legit. They then have you call in and pretend to " help you '' fix it and ask you a bunch of security question so that they can " run a credit check request in reverse ''! It culminates in them locking the paypal account and then them asking you to send in your picture ID to the never really used paypal account so as to seal the deal! I believe that giving people credit that they didn't apply for is illegal and hence doing a credit check approval in reverse is also illegal. On my XXXX is where you see the email was sent so there should have been NO WAY OR REASON that I would have applied to paypal credit using the XXXX account! You will see that after I REFUSED to provide ID and closed account they then " restored the use of the XXXX account ''! The first email said that the account was locked until I ran a virus scan, but when I logged on to the account it was actually asking for a photo id! I'm attaching the email that " reminded me '' of my paypay credit account CLEARLY sent to my XXXX account which I clearly use with them ; the email where they said it was blocked because of a virus, the screenshot that shows that I've not had any activity to the XXXX account with a " welcome '' dated from today ; the email that shows that after I informed them there would be no id sent and to cancel the account my account was miraculously restored, and lastly that I use virus protection. It appears that I had a bank on the XXXX paypal account so I'd been " verified '' already AND I use a virus scanner ALWAYS! I thought that it was XXXX where I had the XXXX attached account and the WELCOME email from XXXX dated from today substantiates that thought.
In sum, Paypal and Synchrony Financial are illegally creating paypal credit accounts for consumers and making them unusable to get the consumer to call in so that they may perform a credit check in reverse to confirm the information. I did NOT authorized them to perform a credit check, and I didn't send in my id. I did confirm my account information. This needs to stop as it's illegal under the FCRA and punishable by a {$1000.00} fine per incident.
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| 09/19/2023 |
Yes |
- Credit card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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In XXXX of 2022, I purchased furniture from XXXX 's using my Synchrony Home credit card. I received a 24 month, 0 % interest promotion. I created an automatic payment to be applied to my purchase in excess of the minimum required in order to have it paid off by the promotion 's end. Then, 1 year into the promotion, XXXX of 2022, I purchased an additional piece of furniture with a 2 year 0 % interest promotion and applied {$1300.00} to my Synchrony account.
Unbeknownst to me, Synchrony Bank applied the payments I was making to the smaller, shorter promotional balance and paid it off earlier than expected. Then at the end of the initial promotional period stated I had not met the promotion 's terms ( for the 24 month, 0 % interest ) and applied {$1300.00} in interest, virtually doubling my amount owed to Synchrony.
When I called and inquired, they stated they " didn't know why the payments were applied the way they were applied, but that I owed the {$1300.00} in interest ( to my {$1300.00} outstanding balance ). They said that interest is applied based on the purchase price, not the outstanding balance. After discussing this with them, I realized that the store had not submitted properly the promotion they told me about on the 2nd purchase, so it was applied at 12 months, 0 % interest. I then asked them to recalculate the interest after having applied the payments to the first purchase correctly, which would have paid off the initial {$2500.00} purchase prior to the end of the promotional period. They said they would not do it and that if I paid the outstanding balance immediately, they would waive the interest ( since I was still within the 1 year promotional period on the 2nd purchase ). I immediately paid the balance and am still awaiting the credit for the interest that should not have been applied, or was applied based on an incorrect calculation.
This is unfair deceptive acts and practices ( UDAAP ) to arbitrarily apply payments to the smaller more recent purchase than to the first purchase. If I had known how my payments would be applied, I would have called their attention to it and made payments differently ( i.e. increased my automatic payment to ensure it was paid on time ).
Furthermore, in their online portal, I could only see statements for the previous 1 year. Not even far enough back to see the original purchases applied to my account. To my astonishment, the customer service rep could not see the statements either. In this day and age of electronic statements, I should be able to view, at a minimum, 24 months if not more. Per Federal records requirements, records are to be maintained for a minimum of 7 years. Is it too much to ask to be able to view at least 2 years electronically if I have signed up for electronic delivery of my statements?
I have multiple accounts/cards with Synchrony and am concerned with the way they do business to pray upon individuals for gain. I am fairly astute when it comes to matters of finance ( I work in financial services ) and understand the deferred interest programs. Even with this knowledge, Synchrony managed to skirt the rules of fair and accurate disclosure and reporting.
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| 08/26/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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Synchrony Bank closed all my accounts without warning.
On Monday, XX/XX/XXXX, I received a notice from XXXX XXXX that my XXXX old XXXX account was shown closed. It had no balance and had not been used for quite some time, though there was a {$25.00} charge for Hotel card/service that is a yearly thing in XX/XX/XXXX, so really, there was activity within the 14 months XXXX said it normally looks at things. I was very upset, frustrated and confused - no answer, certainly nothing satisfactory. They took {$2500.00} of credit line that we used on vacation and we were planning on having tires put on a vehicle in XXXX when we are on staycation. At that time I thought it was XXXX alone but realized the next day on XX/XX/XXXX it was Synchrony.
Guess what, got home on Tues XX/XX/XXXX and in the mail is a letter from Synchrony Bank saying there was no activity so they closed it. Mind you, the credit monitoring group knew before the cardholder, that is ludicrous. In today 's age of cell phones, text messages, email, etc, this was avoidable.
This was horrifying enough, then later on XX/XX/XXXX went to pay for an item from an XXXX auction and my payment was declined. I thought how is that, went to sign into my PayPal account and it said my XXXX card account was closed. I then realized it as also backed by Synchrony so I signed into every account and found my Citgo ( low balance, not heavily used closed due to they are out of area so use them for trips and once in awhile cash ), BP/XXXX ( used once or twice a month ), Amazon card ( used regularly ), XXXX, XXXX, QVC, JCPenney, Sam 's Club and Phillips 66 accounts all closed, all used pretty regularly and paid on time. They all carry significant balances and have had them for years and years, especially JCP, Citgo and BP.
I understand now that a credit card company can just close your account without warning, why for the life of me I can not understand, regardless of its standing. The account could have been locked from use but the card holder could have been given a chance to ask and use any rewards earned within a posted window, minimum of 72 hours or maybe even a week. I have a hard time understanding how you can spend years amassing points/rewards to use for holidays, trips, etc and they come and steal all of that without warning. They aren't giving the consumer anything, everyone pays interest for use so those rewards programs are the bait for cardholders to use that card over perhaps another one. I lost over {$500.00} in PayPal, {$100.00} in Amazon and about {$60.00} in Sam 's, most of which was earmarked for holiday use. I see that as thievery, pure and simple, nothing fancy just a business bulldozing the everyday person and from all the boards I know I am not alone, though that doesn't ease my anxiety or irritation.
The laws need to protect the consumer and each person deserves full transparency. Credit card companies should be bound to notify any cardholder of an account being closed and why. I am sure in the next week or so I will get 9 more snail mails with reasons, so the non-use was untrue when they went in and closed very active, up-to-date accounts.
Truly, buyer beware.
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| 03/01/2016 |
Yes |
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Web |
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When I applied for the GE Capital for Promotional Purchases at H H Gregg for {$4600.00} on XXXX/XXXX/XXXX, I was told by the sales person that if I set up auto-pay for the minimum payment due, it 'll be paid off in about two years without incurring interest charges. So I set up auto-pay and e-Bill with confidence that the balance will be paid off by auto-pay in about two years. Later on GE Capital changed name to Synchrony Bank and the web site and email also changed. There were some confusion about the web site and emails during the transition. When I received " Your H H GREGG / SYNCHRONY BANK Statement Is Ready '' email from Synchrony Bank, I looked at " summary of your statement : Payment Due Date, Statement Balance and Total Minimum Payment Due ''. In XXXX XXXX it came to my attention that the Statement Balance on the email had a huge increase so I logged on the Synchrony Bank web site to check the statement and found that {$3200.00} Interest Charges was added to the Balance. The XX/XX/XXXX and XX/XX/XXXX Synchrony Bank emails DO NOT have the alert " Urgent! ... Promotion ( s ) expiring shortly ... " message in the email body as it was printed in red on the Statements. So I missed the Statement details and did not pay off the remaining balance of {$2300.00} on promotional expiration date of XXXX/XXXX/XXXX. Upon realizing the lapse I immediately paid off the remaining balance of {$2300.00} and called the Custom Service to explain the situation and requested a fair and reasonable way to fix the problem. I was told nothing can be done and I just have to pay the {$3200.00} interest charge. I feel very strongly that it 's outrageous that I am forced to pay the {$3200.00} interest charge on a {$4600.00} original purchase because the monthly SYNCHRONY BANK emails did not contain " Promotion Expiring '' alert messages. I always have a perfect credit score and never had a situation like this before. I wrote to SYNCHRONY BANK twice, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, to explain the situation and request their help to resolve this issue in a fair and reasonable way. SYNCHRONY BANK responded on XXXX/XXXX/XXXX simply stated that " We have received your request to remove the Late Payment fee ( s ) assessed to your account and after reviewing your account, we are unable to fulfill your request. '' This is completely incorrect. I always paid on time via automatic monthly payment schedule. My issue was regarding the " Promotional Interest Charges '', not the " Late Payment fees '', as indicated in BOLD on the Subject line of my previous two letters to them. SYNCHRONY BANK continues to charge on top of the {$3200.00} " Promotional Interest Charges '' at 29.99 % APR. I wrote to SYNCHRONY BANK the third time on XXXX/XXXX/XXXX to tell them that they 've mishandled my request and asked them to review and reconsider my case. I also told them that I have filed a complain with Consumer Financial Protection Bureau. In the meantime as a show of good faith I continued to pay the minimum payments of {$130.00} and {$110.00} due on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively.
Your help in this matter is very much appreciated.
Thanks, XXXX XXXX XXXX
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| 01/25/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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XX/XX/XXXX, I received a notification from Experian XXXX XXXX, saying that my XXXX score had decreased by XXXX points. Upon examining my report, I noted XXXX specific account as the cause - specifically, an entry of " 30 days late '' was made for my SYNCB/Amazon credit card account that begins " XXXX ''.
I contacted Amazon on XXXX XXXX, XXXX, and was informed that an outstanding charge of {$42.00} existed and was overdue. I was told that this charge occurred in the state of Georgia.
I informed the customer service representative that : ( a ) I had not charged the item on my credit report, and ( b ) I had not authorized anyone else to make that charge. Furthermore, I had never been in Georgia. The consensus between myself and the customer service rep. was that the charge ( s ) accounting for the {$42.00} were fraudulent, and my account was closed.
Perhaps two or three weeks later, the XXXX-point deduction from my FICO score was reversed, and my credit report indicated no late payments for that account.
Having closed that account to prevent more fraudulent purchases, SYNCB/Amazon opened a new account for me, and provided a new credit card ( which, for your reference, I have not used ).
Today is XXXX XXXX, XXXX. About 1 week ago, I was notified by XXXX of a XXXX-point deduction from my FICO score. I checked my report immediately, and saw a " 30 days late '' entry for XXXX, XXXX on the new, open account [ the previous account, beginning with the same " XXXX '', was still closed and without any late entries ] Today, I spoke with XXXX different individuals at Amazon. After asking each person [ on XXXX different phone calls ] why this " 30 days late '' entry has reappeared after presumably being resolved [ the previous XXXX-point FICO deduction had been reversed ], I was transferred to the " Investigations '' department. I managed to listen to music on the phone for several minutes each time, but was never able to reach that department. I tried the following XXXX numbers : 1 ) ( XXXX XXXX XXXX 2 ) ( XXXX XXXX XXXX 3 ) ( XXXX XXXX XXXX The first phone number appears on the credit report. The person I spoke with at that number gave me the XXXX and XXXX numbers. XXXX of the XXXX people said that an investigation had concluded that the {$42.00} was not the result of fraudulent charges. I said that, if the {$42.00} was deemed to have not been fraudulent, then they must have concluded that I either initiated the charges myself, or that I had authorized someone else to make those charges, and I asked to see evidence that I had somehow produced those charges, either directly or through another individual. At that juncture, she tried to transfer me to the aforementioned " investigations '' department, but I hung up after approximately 10 minutes of music on the phone.
The {$42.00} charge no longer appears on either the closed account or the newly opened one ; my current balance is {$0.00}, but this is irrelevant compared to the impact on my credit report. Unless SYNCB/Amazon can show evidence that I initiated or authorized the {$42.00} charge ( s ), **I feel that my FICO score should not be negatively impacted as is now the case. **
|
| 12/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern, I am writing to inform you of missed information that was reported to my credit file with synchrony bank/PayPal, the company states that I had a credit card from them and exceeded/ went over my credit limit, which is not to be true. I do know that I had a Bill Me Later account with PayPal back in XX/XX/XXXX- XX/XX/XXXX which was with XXXX XXXX, I closed my Bill Me Later account with XXXX back once I found out that they were being brought out though synchrony bank!!! Along with dealing with Identity theft on the Bill Me Later account. On XX/XX/ I received a notification stating that I spent over my available credit, I admittedly logged onto my credit report to see whats going on due to me know that I have never had a PayPal credit card, so I proceeded to due more further investigation and found it it was Paypal on behalf of Syn/bank and spoke with an extremely rude rep and gave my name but not my SS # only my phone number she became to tell me whats going on I stated to Rep to close that Bill Me Later account now because I have never had a PayPal credit card, that was XX/XX/XXXX. I them learned that Pay pal along with synchrony bank did a sell of a persons information on me meaning they shared my information meaning SS # based off an open account I have with synchrony bank/Gap and Walmart at the time. I then call back in XX/XX/ and spoke with a Rep in Corporate of synchrony bank/ppl name XXXX he stated to me that I do not have a credit card with them at all and never had one, nor am account, once my information was sold to synchrony bank thats when an account number was generated and with it having an account number it looks as if I had a credit card. XXXX go into it more stating its not a department store credit card its a digital account and it should not be on my credit report and he was unable to send me any paper work with that being documented!!! But what he can do it send me my Bill Me Later statements and I should be able to send to credit companies. He also stated that when my Bill Me Later account with XXXX an employee/ Rep failed to do there job and closing my account so it would not be apart of synchrony bank. However, once I noticed what was going on the company itself keep giving me a run around and will not give me information that they are reporting so I can be able to dispute and word my concerns the write way. This company and there staff are extremely unprofessional and rude. Also XXXX stayed to me he doesnt even see any information that went out to me via email or postal mail and along with that having an incorrect mailing address for me. I did give him my updated correct mailing information. I am just displaced with all the game synchrony bank play, I hear they are doing this to tone on consumers with many complaints. The account needs to be removed its all inaccurate information. How is it that its so easy for a company to place whatever they feel as though it a certain consumer and just place anything on there credit report, but soon and consumer want to dispute and ask questions yall make it so hard and difficult to get things resolved in a timely manner as if we where a company
|
| 10/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
I obtained a Care Credit card for XXXX XXXX from Synchrony Bank in the amount of XXXX with a 2-year promotional period with no INTEREST, of which I just paid off before my promotional period ends next month XX/XX/2021. When I took the card out they asked if I would like to get insurance in case I became ill or hurt myself the card payment would be paid. I said sure, I have done this with other cards before. Well after about 4-5 months I saw that my balance was going up on my Care Credit account, when I phoned they said it was because I did not make enough of a payment to cover my card insurance. I said I paid what I was invoiced each month. They said it wasn't enough? I said well if you don't bill me the right amount how am I suppose to know it? I canceled right then and there. I then still noticed an influx in my balance going up rather than down and again called. I said look, I am on a promotional no interest time frame with this card and why is my balance going up and why does my balance on the web site read more than my promotional balance on another page of the site? They said well what was added on was the interest I owed from insuring my card. They told me I could call and try to get these fees taken off and they gave me a phone number, which I called and they said they would take the fees off and credit my account. I waited some time to see it reflect on my account and still there was more there than I owed. As of XXXX, 2021 I talked to a account specialist that spent actually 4-5 hours on the phone with me going over everything. I told her I should actually only owe like a XXXX more dollars but that they are still saying I owe. XXXX. She calculated all my payments and said she had eliminated all kinds of fees on her side and that my next bill should reflect that and that it should read my promotional balance XXXX because my XX/XX/2021 payment was XXXX and they would owe me money back. She said I would have to pay the amount they are stating on their site for payment so I would not be late. I paid it. Next billing cycle my balance still was wrong it now said I owed still XXXX. I again called and they sent my call to a account specialist, this guy would not look up the girl who had spent so many hours on the phone trying to fix my account ( XXXX and her notes ) and said pay what you owe or we'll add all your interest back in and file against you. Long story short, I ended up having to pay and paid off my account a month early as I was worried they would hit me with the interest before my last payment. They now actually owe me over XXXX dollars for this account and refuse to talk with me about it. They got my money in hand now and are very crooked people. By the way the credit card insurance company they pretend to be a separate entity is actually them. Just another way to XXXX you out of money. Do not use Synchrony Bank, the worst! Also when I took the card out, they said I would get to pick a payment plan for my non interest promotion, that never happened they picked it and gave me the shortest amount of time to pay it back giving my high payments, it was liking having a second car payment for 2 years. Horrible BANK.
|
| 01/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American, Servicemember |
|
applied online for card from walmart, which offered a immediate promotional offer of {$25.00} discount on first order. went through process of applying for card, received confirmation email requesting me to click on link in email to proceed. link sent me to a webpage where they asked more personal information and claimed they would send me a card # so i could finish ordering 4 tires-the reason i was going through this process. received email with temporary card # and tried to place order. the process did not work, they wanted a security code which they did not provide me. called number for assistance and after wading through the XXXX of ridiculously ignorant phone menus i finally was able to get a representative on the phone. the representatives would try to figure it out to no avail. i was shuffled between 4 reps-holds between each one, after aprox an hour of this and becoming increasingly enraged - yelling and cussing and eventually hanging up in frustration. I called this morning to make sure account hadn't been opened and to make sure account was not opened. account was opened and after closing, asked if it would affect my credit score. they said yes it would. believe this is unfair to me! followed their offer, did everything right on my part and now i am the one being negatively affected.do not feel i should be punished for a lack of honesty or ability on their part. to fulfill their offer - causing my credit score to be adversely affected corporate america, to often ( most always ), treats the public like XXXX-bullying and intimidating them into submission with their phone menus, long holds with semi constant advertising and propaganda and the lack of training ( probably purposeful ) of their representatives to deal/solve these problems it seriously hurts me that our country treats the people that have worked ( in my case 43 years ) to build and support this land. served in the military when drafted even though i was opposed to the war in XXXX ( this was my country ). Now i believe this country has abandoned people like me and have sided with the rich who have utilized their money/power to lobby/buy laws from our govt officials/bureaucrats, that benefit them and increase their wealth/power over me ( the masses ). Its allowed them to increase their share of the american pie from aprox 40 % in XX/XX/XXXX, to 80 % today.Whats really going on? in my brainstorming to try and figure why, i believe the govt ( XXXX ) is encouraging the separation of the poor and the wealthy because at some point if the country can no longer support everyone, the little guy will be forced to be subservient to the master as they are being forced to rely more and more on meager govt handouts while the rich continue to increase their wealth/power. its much easier to control the masses if you control their ability to make money, forcing them to rely on govt payouts. its harder to bite the hand that feeds even if it has become the enemy. Is this the country/govt that was created by the people for the people and governed by the people, or a country taken over by the rich and powerful. i believe the creators of our country would be ashamed and outraged!
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American, Servicemember |
|
The issue is with Synchrony Bank. My wife, XXXX XXXX XXXX is the owner of our Verizon Account. I am the manager. My name is XXXX XXXX XXXX. XXXX XXXX Verizon XXXX XXXX. My Verizon XXXX XXXXXXXX. We pay automatically with another credit card monthly. Verizon offered a better plan for the same cost if we used a Verizon Credit Card. I accepted the new plan, then XXXX applied for a Verizon Credit Card. Verizon partners with Synchrony Bank to have Synchrony Bank review our credit report and reply back to Verizon and to us if the application was approved or denied and for what reason. Synchrony Bank performs the credit report review, not Verizon. Synchrony bank used XXXX XXXX to review our credit reports. XXXX submitted her authorization first. Within 2-weeks she received an email from Synchrony Bank they were unable to approve your request at this time. The reason was, " Application has risk factors that cause us to be unsure of your identity. '' I called Verizon Credit Card Services and was told I had to speak to Synchrony Bank. I called Synchrony Bank and was told I had to speak with Verizon Credit Card Services. THIS WENT BACK AND FORTH. I went to the Verizon store XXXX XXXX XXXX XXXX, XXXX XXXX. I was there with the store manager for about 3 hours. He tried calling Verizon and Synchrony Bank. but couldn't get a resolution. He said the store is only a sales store and is limited in what he can do to help. I spoke with XXXX at Synchrony Bank. She referred me back to Verizon Credit Card Services. It takes 30 days from the day your authorization is denied to retry. I thought it would save tome If I applied for the Verizon credit card. I applied. On XX/XX/XXXX. I got an email from Synchrony Bank denying my application for the exact same reasons as my wife 's denial ; " unable to approve your request at this time. The reason was, " Application has risk factors that cause us to be unsure of your identity. '' I called XXXX XXXX, spoke with XXXX. XXXX said my name was the only name on the report and it matches my social security card name. XXXX said I had an excellent report. XXXX couldn't understand why Synchrony Bank was unsure of my identity. Synchrony Bank will not do anything but refer me to Verizon Credit Card Services.
Synchrony Bank must be able to identify my wife and me, however they won't try. Synchrony Bank is not performing its duties by law as it relates to its role in authorizing or denying a credit card, and being able to identify a person whom Verizon and XXXX XXXX have no problem identifying. I am an XXXX XXXX XXXX veteran, I have VA ID, a California Driver 's license, Federal Employee Plan health insurance, Voter 's registration card, we have lived in this home since XXXX, I have USDOL, FECA. OWCP benefits for an on the federal job XXXX, and I have a Federal Civil Service Annuity. Please have Synchrony Bank provide me with an executive assistant contact phone number who will speak with me and identify me and review my XXXX XXXX Credit Report using my identity, to determine that I have a XXXX score of about XXXX, and my credit record is impeccable, then authorize a Verizon Credit Card for me, with my wife as co-owner.
|
| 04/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Synchrony Bank through its XXXX ( Chevron and Texaco ) approved a credit card account ending in XXXX in my name based upon a fraudulently submitted credit application and processed payments totaling {$11000.00} to XXXX XXXX XXXX XXXX XXXX DE, consisting of {$6000.00} on XX/XX/XXXX and {$5200.00} on XX/XX/XXXX ). Subsequently, Synchrony Bank charged off the amounts and sold the debt to XXXX XXXX XXXX, XXXX who claims that I owe them {$13000.00}. I received first written correspondence from XXXX XXXX XXXX in XX/XX/XXXX. I contacted them and disputed the claim on XX/XX/XXXX. Now I am receiving written correspondence informing me that the account is being transferred from their Disputes Department to their Litigation Department and that nobody has actually reviewed the account or conducted an investigation in connection with the fraud, as well as telephone calls. It is worth noting that the address Synchrony Bank used to approve the credit application and open the account is one that I have not lived at since XXXX and I sold that property in XXXX. On XX/XX/XXXX I contacted Synchrony Bank directly and opened a fraud complaint. I received a Synchrony Bank fraud investigation form and faxed the completed form back to Synchrony Bank on XX/XX/XXXX. Now I am waiting for Synchrony Bank Fraud Solutions Team to conduct their investigation which may take ninety ( 90 ) days. I have contacted XXXX, XXXX and XXXX and have informed them of this fraudulent account. I dispute having any accounts with Chevron, Texaco, XXXX and Synchrony Bank. Moreover, I never submitted any applications for credit with XXXX, XXXX, www.TechnoAdvantageCard.com and/or Synchrony Bank XXXX Furthermore, I have never received any communications from Chevron, Texaco, XXXX and/or Synchrony Bank XXXX XXXX have any credit approvals or debt outstanding. I have not received any physical credit cards from Chevron, Texaco, XXXX and/or Synchrony Bank XXXX XXXX I am not responsible for this debt. I question the credit approval, due diligence and underwriting practices at Synchrony Bank since they approved the credit application, opened the account and processed payments using an address that I have not lived at since XXXX and a property that I sold in XXXX.
On XX/XX/XXXX I contacted Consumer Financial Protection Bureau ( CFPB ) and submitted a complaint against Synchrony Bank and XXXX XXXX XXXX, XXXX ( Complaint Number XXXX ) in connection with the credit card account number referenced above.
On XX/XX/XXXX I received a request from CFPB asking me to name a single company in Complaint Number XXXX. On XX/XX/XXXX I named Synchrony Bank in Complaint Number XXXX.
Also, on XX/XX/XXXX I am submitting this new complaint against XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX is not responsible for the shortcomings in the original credit approval, due diligence and underwriting and funding practices at Synchrony Bank, however XXXX has ignored my XXXX letters and persists in contacting me via telephone calls. The first letter is dated XX/XX/XXXX. The second letter is dated XX/XX/XXXX. I believe that XXXX must follow up directly with Synchrony Bank to resolve their interests in this matter.
|
| 08/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is a follow-up billing inquiry per XXXX bill that was in question with Synchrony : My family and I noticed XXXX was acting strange and lethargic on XX/XX/XXXX. We first went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX which referred us to XXXX XXXX XXXXXX/XX/XXXXThey informed us that XXXX. would be out for our best interests, not our money.
XXXX stayed at XXXX. from Sunday the XXXX to Wednesday the XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At no point during his stay was he given antibiotics due to XXXX. believing he could become antibiotic resistant, citing gold standard research for this reason. Research that prioritizes administering every test possible to ensure definitive answers. Which is good in theory, but ultimately showed us that theyre just doing this in order to run us dry of money we dont have.
However, XXXX was given XX/XX/XXXX-otherwise commonly known as XXXX, XXXX, XXXX, etcKnown sedatives that they claim did not suppress his appetite, despite being medications that do the opposite.
Each night theyd call us and update us on XXXX status. They sent emails with details we discussed over the phone and attached pictures of XXXX with them. We asked questions and trusted that they were providing XXXX with care, even though the pictures theyd send were of a dull, XXXX XXXX.
On Wednesday morning, they called atXX/XX/XXXXam and told me I could pick him up, saying that he was ready to go. Then, at XXXX am they called suddenly and said that he needed to stay longer and be re-catheterized. This wouldve cost {$1500.00} more on top of the {$4700.00} they were charging us.
At this point, his health did not look like it was going to get any better in the hands of XXXX. and I was not willing to pay {$1500.00} more than what they were wanting from us. So, I decided to take him to another vet. The process of getting XXXX out of XXXX. was unnecessarily longer than it shouldve been. I was parked in the front of their building for close to 45 minutes before they actually released him to me.
I then took him toXX/XX/XXXXXXXX at around XXXX pm. They easily identified XXXX XXXX XXXX XXXX and gave him proper antibiotics to flush them out. XXXX that XXXX. never noted to us during the multiple phone calls we had with them. XXXX stayed at XXXX XXXX XXXX for less than 24 hours before being released the next day in a much better state.
A week after he was home on the XXXX of XXXX, XXXX. sent a XXXX to XXXX XXXX XXXX XXXX that he had XXXX XXXX. An infection that comes from consistent treatment with catheters.
The only reason we went to XXXX. in the first place was that XXXX XXXXXX/XX/XXXXXXXX was closed on Sunday. If XXXX had gone toXX/XX/XXXXoriginally, he would have been better in a much shorter time and for only {$440.00}.
We sent a dispute for the charges on XX/XX/XXXX, but Synchrony did not ultimately side with us. It took until XX/XX/XXXX until we ever got a response from Synchrony regarding our original dispute. I'll heed thatXX/XX/XXXX did refund {$540.00}, but that's only because we took XXXX out earlier than planned.
|
| 09/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Please be advised this complaint will service as documentary evidence in the event I have to file a claim in Federal Court and would need to prove I tried to resolve this situation with Synchrony Bank before taking legal action. In XX/XX/2018, I entered into a consumer credit contract with Synchrony Bank. I used by credit card, also know as a social security card to initiate this consumer credit transaction. Pursuant to 15 USC 1602 ( l ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Without my knowledge or consent, Synchrony Bank used my credit credit to receive an advance from the Federal Reserve Bank. To clarify advance, I mean they received a loan using my credit card ( social security card ). Pursuant to 15 USC 1602 ( p ), the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. This is identity theft as defined my 15 USC 1681a ( q ) ( 3 ) which states the term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Synchrony Bank violated several laws under the FDCPA .Pursuant to 15 USC 1692j, it is a violation to furnish deceptive forms to make someone believe they owe an alleged debt that did not exist. Synchrony Bank have sent me several statement via USPS to coerce me to make payments on an alleged debt. Pursuant to 18 USC 1431, it is illegal to use a post office or any authorized depository for mail matter to scheme, fraud to obtain money or property under false or fraudulent pretenses. I received several harassing calls for months to coerce me to pay for this alleged debt. They also reported this fraudulent and alleged debt to several consumer reporting agencies to defame my character. These actions are in violation of 15 USC 1692d In addition, Synchrony Bank violated 15 USC 6801 by violation my right to privacy by sharing my non public information. They were also supposed to provide me with a disclosure my right to opt of consumer reporting in which they did not. After several attempts to coerce me to make payments on this fraudulent debt, they sold the debt to XXXX XXXX XXXX. I have attached the letter directly from Synchrony Bank stating that the sold the account. This is a violations of 15 USC 1681m ( f ) which prohibits the sale or transfer of a debt that is a result of identity theft. It is a disgrace the magnitude of fraud and deceptive practices the occurs with this corruption. Pursuant to 12 USC 83, banks can not lend money or credit. This is federal law, therefore shameful for Synchrony Bank to alleged I owe them owe. There are several public laws, house joint resolutions, congressional records and case law regarding the inability of any bank or anyone other than a natural person ability to lend credit or have credit to lend. I am a consumer, a natural person and original creditor.
|
| 09/24/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have been paying a {$150.00} minimum payment for several months. For XXXX 's statement, the min payment went up {$3.00} to {$160.00} for that statement period. I was told by a bank rep that this was due to XXXX having 31 days in the billing cycle as opposed to the previous few months only having 30.
So for XXXX 's statement that was due on XX/XX/2018, I sent in the {$150.00} that I have been paying for a few months. I did not realize the increase of the {$3.00} because my wife receives the e-statements via e-mail from this bank and I recently took control of paying the bills in the house and she did not tell me of this {$3.00} increase in the minimum payment for XXXX.
I made the {$150.00} payment for XXXX that was received by the bank on XX/XX/18 with a due date of XX/XX/2018.
I was assessed a {$27.00} late fee for not paying the full minimum payment due and not because the payment was late. I telephone the bank in XXXX when I noticed the late fee and explained the situation. I was informed the late fee would be removed from my account. However, their was miscommunication between myself and the rep because I believed that {$27.00} late fee would be removed from my total minimum payment for the following month, however I was told later on that this is not the case and that late fee would only be removed from my total overall balance with the bank. So with that in mind, I paid the original minimum payment of {$160.00} for XXXX 's statement with the knowledge that I wouldn't be charged {$27.00} late fee.
This was not the case as I was charged another late fee for XXXX statement because I did not pay the full minimum payment of {$180.00} ( {$160.00} plus the {$27.00} late fee ) for the prior month thinking that late fee was waived. So with the current XXXX statement ( due XX/XX/2018 ) I was assessed another late fee of {$38.00} bring XXXX minimum payment to {$220.00}.
I noticed this and contacted customer service on XX/XX/2018 and described this whole situation. I was told that the two late fees of {$27.00} and {$38.00} would be waived from my TOTAL ACCOUNT BALANCE but not from my current min payment due on XX/XX/XXXX of this year. I asked to speak to a supervisor. When I did I informed her of the situation and she confirmed the two late fees were waived but the {$220.00} minimum payment due could not be lowered. I asked for an explanation why the minimum payment could not be reduced because I agreed to these terms and conditions when I opened the credit card account initially.
I then attempted to make the point that a {$3.00} mistake on my part initially, 2 months prior, has now ballooned into an increase of {$60.00} that I would have to make on the current statement and how unethical and wrong this situation appears to be. She informed me that their was nothing that could be done with regards to the amount minimum pay due because of the original terms and conditions and due to the fact that the minimum due has already been " cycled ''.
I informed the supervisor that I believed this was unfair and I would seek remedy to this issue.
That is the final correspondence with the bank and where we stand at the present time.
|
| 05/05/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I have an IRA account and a money market account at Synchrony Bank. In XXXX, Synchrony Bank ( SB ) made a mistake when they distributed my IRA RMD for that year and has refused to correct it. As a result of their mistake, my federal and Indiana income tax liability is {$430.00} more than it would have been had they distributed the amount that I requested. The details are as follows : On XXXX XX/XX/XXXX, in compliance with instructions from the IRA Department, I sent a letter and attached Request for Distribution form < XXXX XXXX to : Retirement Services, Synchrony Bank, XXXX XXXX XXXX, XXXX GA XXXX requesting that the bank amend my RMD distribution for XXXX as follows : Reduce FOR THIS YEAR ONLY the RMD from {$12000.00} to {$10000.00}.
By way of these same documents, I also instructed them to distribute this reduced amount from my IRA CD account, withhold 10 % of this amount for federal income tax and 6 % for Indiana state income taxes, and to deposit the balance into my Synchrony Bank money market account on XX/XX/XXXX. I telephoned Synchrony Bank about 2 weeks later and received confirmation that they had received my request and would comply with it.
However that did not happen. The last statement of the year, XXXX XXXX XXXX, shows that the amended amounts of distribution and withholdings were withdrawn from my IRA CD account on XX/XX/XXXX just as I requested. But then, for some reason that I can not understand, they were deposited right back into that account, and on that same day the larger amount -- without IN state withholding -- was distributed from another of my IRA CD accounts and reported to the IRS on that years XXXX < XXXX >.
I did not discover this error until my son arrived on XX/XX/XXXX to help me with my income taxes. Over the course of the following 6 weeks, we made many phone calls to the Synchrony Bank IRA department without ever getting them to explain this error and correct it.
Fed up with getting nowhere by telephone, between XXXX and XXXX XX/XX/XXXX my son and I corresponded with Synchrony Bank by logging into their website and using SBs secure messaging option to request that they correct their mistake by transferring {$2100.00} from my money market account back into my IRA CD and issuing a corrected 1099-R with the reduced distribution amount.
XXXX XXXX XXXX XXXX refused to do this claiming that I had agreed to this transaction during a phone conversation on XXXX XX/XX/XXXX, 5 days after they had already transferred the wrong distribution. On XXXX XX/XX/XXXX, I requested that they send me a letter by USPS first class mail describing how this happened and including the transcript of the phone conversation and other documents they cited as their reason for doing so.
On XXXX XX/XX/XXXX, SB told me that they would not take this request for a letter by email and requested that I telephone their IRA department supervisor. I telephoned SB on XXXX XXXX, XXXX XXXX and XXXX XXXX and was never allowed to speak with a supervisor about this problem. On XX/XX/XXXX, an SB IRA representative told me that she would confer with SB executives about this problem and get back with me. That has never happened.
|
| 01/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
SYNB/TJX XXXX hereinafter called " alleged lender '' claims that they lent their money to me. Alleged lender claimed to me that the alleged lender would charge interest as compensation for lending me the alleged lender 's money. Financial institution 's CPA audit opinions claim that financial institutions involved in issuing alleged loans or loans follow Generally Accepted Accounting Principles, GAAP. There is a dispute regarding who loaned what to whom regarding the alleged loan. The alleged lender claims that they lent me their money. The alleged lender claims that the alleged lender has loan papers with the affiant 's name on it as evidence of a debt. The bookkeeping entries show the opposite and that the affiant was the lender and that the alleged lender was the borrower : According to GAAP, this is what happened : the alleged lender and financial institution involved in the alleged loan never lent one cent to the affiant as adequate consideration to purchase the affiant 's promissory note. The affiant first became the lender to the alleged lender and the alleged lender was the borrower. According to GAAP, the bank recorded the promissory note as a bank asset offset by a bank liability. The promissory note was recorded as a bank asset in exchange for credits in the affiant 's transaction account or to give value to a check or similar instrument. The matching principle in GAAP requires that there be a matching liability offsetting the promissory note recorded as an asset and that the liability shows that the bank/alleged lender owes the alleged borrower money for the promissory note that was lent to the bank or alleged lender. The promissory note was deposited in a similar manner as cash is deposited into a checking account. Depositing cash or a promissory note into a checking account or a transaction account is the same or similar to loaning the alleged lender the cash or promissory note. According to GAAP, the promissory note was deposited as a bank asset offset by a bank liability with the bank liability showing that the alleged lender owed the affiant money for the promissory note that was received from the affiant and deposited. When the bank deposited the promissory note and credited the affiant 's transaction account, the alleged lender, the one who claims they own the promissory note, recorded a loan from the affiant to the alleged lender, making the affiant the lender and the alleged lender the borrower. The alleged lender returned the equivalent in equal value of the loan to XXXX XXXX, the lender per GAAP. When the money was repaid to XXXX XXXX, the true lender per GAAP, the alleged lender claimed that the repaid money was a loan to a borrower named I. XXXX XXXX and ignored the bookkeeping entries which proved the money trail of who lent what to whom. The alleged lender claims to be the lender using a promissory note to claim they lent money to the affiant but GAAP shows that the opposite happened. The alleged lender did the opposite of what the affiant, XXXX XXXX understood and believed was to happen, creating an economic effect similar to stealing, counterfeiting and swindling against the affiant, XXXX XXXX
|
| 11/22/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
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Web |
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On XX/XX/2022, both XXXX ( my wife ) and I called Synchrony Bank to request that our CDs be closed and the funds wired to another bank. On XX/XX/XXXX, the funds were still not wired, so we both sent a secure message regarding our concerns ( which I have attached. The first concern was the reason we were closing the account and the second concern was asking why the wires were not completed ). We both received the same form response that did not address our concerns at all. So, we called Synchrony to express our concerns, and were told that our concerns would be relayed to management. When we did not hear anything back from management by XX/XX/XXXX, we submitted a complaint to the Federal Reserve Consumer Help. We receive a letter stating that we need to submit the complaint to you, which is as follows.
My wife XXXX XXXX ) and I opened XXXX bump up CDs with Synchrony. We have had bump up CDs at other institutions in the past. However, we still clicked on Learn More before opening the CDs. We printed a 6-page document ( which I have attached ). With all of our previous bump up CDs, we were able to bump up the CD to the new rate for that term. For example, if we opened a XXXX bump up CD, we were able to bump up that CD to the XXXX CD rate. However, this is NOT how the bump up CD works with Synchrony. With Synchrony, you bump up the CD to the XXXX bump up CD rate ( which is much lower than the XXXX CD rate ), NOT the XXXX CD rate. If Synchrony is going to use a term with a different meaning than the industry standard, Synchrony should openly disclose this. It was NOT disclosed in the 6-page learn more document.
When we opened the CDs, we tried to read all the documents. However, we timed out of the application when trying to do this. So, we printed the documents to read later. Buried in the middle of a 16-page documents that is only available during the application process, Synchrony does state you bump up the CD to the bump up CD rate. However, as I mentioned, you can not read this document during the application process without timing out. Since Synchrony is using this term ( bump up CD ) with a different meaning than the industry standard definition, it should have openly disclosed this in the 6- page Learn More document that you can read BEFORE opening the CD, and NOT bury it in a document you can only read AFTER opening the CD.
When one opens a bump up CD, one accepts a lower initial rate of return in exchange for the option to bump it up to a higher rate. One is NOT penalized twice ( accepting a lower rate of return when the CD is open AND a second time when you bump it up by having to again accept a lower rate of return instead of the prevailing rate for that term ).
Feeling deceived, we tried to wire the funds out of Synchrony. However, as I mentioned above, Synchrony refused to wire the funds, claiming that the bank where we are trying to wire the funds would not verified that our names are on our accounts. Synchrony has previously wired funds to the identical account we are requesting that the funds be wired. Why was Synchrony able to wire the funds earlier this year, but not able to wire them for this requested?
|
| 12/31/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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Consumers beware when it comes to Synchrony Bank issued credit cards, they report fraudulent information to the credit reporting bureaus.
I contacted Synchrony Bank Monday, XX/XX/XXXX at XXXX XXXX via telephone after receiving 2 emails indicating my mailing address had been changed on my Lowe 's credit card and TJX Rewards credit card. Since I did NOT change my mailing address, I was transferred to the fraud department and ultimately told that my mailing address change had been initiated by the US Postal Service. I insisted that my two accounts be changed back to my correct address and the fraudulent address be deleted from their system. It was then recommended that I contact the US Postal Service and investigate exactly how this occurred. According to the fraud department representative, because there had been fraudulent activity on my Lowe 's card several months ago ( account closed and new card mailed to me ), internal strategies had been placed on my account for 12 months and these strategies had been removed prematurely from my account! When I asked how this could occur, the representative did not have an answer.
I contacted the US Postal Service immediately on Tuesday, XX/XX/XXXX ( both the federal and local level ) and they have NO RECORD of an address change for me. It was suggested that I again contact Synchrony Bank for further investigation on their end. I called Synchrony fraud department back to relay the information and to ensure no one would be tampering with my account information. I requested that the Lowe 's and TJX accounts be closed and new accounts be opened as a precaution. I also have a JCP credit card through Synchrony Bank and asked that this account be closed as well. When I asked why I didn't receive an email for my JCP card, the fraud representative did not have an answer. When I asked why the strategies had been taken off my Lowe 's card prematurely, again the representative did not have an answer. I did receive two emails after this telephone call indicating my address had been changed back to the correct one.
After two telephone conversations with Synchrony Bank regarding this fraudulent address and my credit card accounts, they still contacted all 3 credit reporting agencies and reported the FRAUDULENT address as my current address! Unbelievable. I should NOT have to deal with getting this FRAUDULENT address taken off my credit reports. Synchrony needs to be held accountable for knowingly passing along FRAUDULENT information to the major credit bureaus, thus increasing my chances of identity theft.
I was also notified on XX/XX/XXXX via my credit monitoring service that Synchrony Bank reported to the 3 credit bureaus that the balance on my Lowe 's credit card increased by {$25.00}, when in fact my balance is zero. Yes, I have documentation from Synchrony Bank that my balance is XXXX but my credit reports state otherwise - again FRAUDULENT information from Synchrony Bank. In a world full of scams, identity theft and the like, I shouldn't have to worry about a bank passing along FRAUDULENT and completely inaccurate information!
NOTE : Complaint filed with XXXX XXXX XXXX XX/XX/XXXX.
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| 06/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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Synchrony Care credit card account # XXXX, I got behind on my payments. received an email XXXX17 stating I could settle the balance for {$1800.00} as long as I respond by XXXX2017. Setting possible payment options in motion I called *synchrony bank* on XXXX-2017 to arrange for the settlement and subsequent closure of the care credit card. The first contact was XXXX- who proceeded with the dunning script even after I mentioned the email offer, then stated needs to *evaluate* if I qualify. Then stated he would have to pass me on to a specialist- next representative is XXXX- lots of questions - some pretty bold and rude- but finally states that the bank with extend a settlement offer of total {$1600.00} in 3 payments, due each coming XXXX and in the amount of {$540.00}, {$540.00} and {$560.00} to clear the account. she advised me that I will receive a XXXX for cancelation of debt and the IRS will be advised and I am to receive a letter outlining the settlement agreement within the next 10 days. on XXXX2017 I called the bank again inquiring about the letter to receive, spoke with XXXX and after the dunning script actually looked into my account and stated the request for the letter was made on XXXX2017 and should be received already- which it was n't. By XXXX2017 I still had no letter but made my first payment. Synchrony Bank sent me a confirmation of payment received via email on XXXX17 but still no settlement letter. On XXXX-2017 I again reached out to Synchrony Bank and spoke with XXXX, after the dunning script he confirmed a settlement letter was requested and apparently mailed XXXX17 but not sure from which office. he assumes the XXXX FL office. I informed him to be taking further steps if not receiving the letter by XXXX2017. By XXXX2017 however, I filed a complaint with BBB under case # XXXX. BBB sent the 1st notice to Synchrony Bank on XXXX2017 and a 2nd notice XXXX2017, still no response. On XXXX17 I received an email from Synchrony Bank reminding me that I have a settlement installment due by XXXX2017 and that I need to follow the *terms and conditions* as outlined in the settlement letter, which I still have not received. So today, XXXX2017@XXXX MST, I reached out to Synchrony Bank again and talked to XXXX. after the dunning script she *found* the flagging for settlement. I gave her my rundown of contacts and discussions on previous calls and requested a copy of the settlement letter to be faxed or emailed to me- since the last email made it so clear that I need to *follow* the letters instructions. I was placed on hold several times and XXXX claims that she can only mail - thru the postal service- and it took 3 hold times to get her to request another letter to get sent. in the meantime I have received payment reminders by mail and email for the account with no settlement status consideration/notation. I advised XXXX that the bank is able to reach out to me by mail and email with other documents but the one that is to get issued by a representative does n't get to me and that it 's been over a month since it was to have been issued. No emailed settlement letter was sent to me and still no mailed letter either.
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Confusing or missing disclosures
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|
Web |
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I've reached out to Syncb/Old Navy about Acct # XXXX and how they were violating my rights i asked Syncb/Old Navy to provide me with an SSA-3288 to show that i gave them consent to report anything to my credit even if they process is online Syncb/Old Navy have to have consent from every customer that's SS # 's involved. I let them know that I have a right to privacy and that have to respect my privacy. 15 US Code 1681 ( a ) ( 2 ) ( Exclusions ), things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making the report. Consumer- is an individual ( Me ). Person-Any individual partnership, corporation, trust estate , cooperative association XXXX government, or governmental subdivision or agency, or other entity. Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer or of a credit card or similar device. I tried to explain to this company that they were violating my rights I guess a lot of companies think there above the law and don't have to follow it. It becomes extremely difficult to exercise your rights when companies think they can do whatever they want and get away with it and we the consumer have to deal with it and that's not right because as a consumer my voice should be heard, and these types of companies need to be held accountable. 15 US Code 1681b Permissible purpose of consumer reports. ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 15 US Code 1681a ( 2 ) speaks on a consumer right to privacy. I guess these companies don't follow law. This account that's being reported illegally has caused my family hardship and homelessness. This situation lines up with 15 US Code 1681 ( n ) Civil liability of willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
I've tried to fix the problem with the company and i get no where
|
| 06/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX XXXX XXXX through their affiliate XXXX XXXX XXXX sent communication to my private abode dated XX/XX/21. The communication was in connection with an attempt to collect an alleged debt. XXXX XXXX XXXX obtained information from my credit card that was issued to Synchrony Bank from a consumer credit transaction that did not involve XXXX XXXX XXXX. Congress defines a credit card as any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. XXXX XXXX XXXX states that they purchased an account with my credit card information from Synchrony Bank who was the holder of my credit card at the time. On XX/XX/21 I drafted a notice of a DEBT VALIDATION letter, CEASE and DESIST letter, AFFIDAVIT OF TRUTH and an INVOICE in regards to this matter with specific requests and demands that was sent to XXXX XXXX XXXX and I also submitted a complaint to the CFPB and attached the same information to the complaint. The notice was delivered to the address for XXXX XXXX XXXX on XX/XX/21. XXXX XXXX XXXX did not respond directly to me about the matter. They responded to the CFPB complaint dated XX/XX/21 and the CFPB closed the complaint without any resolution. The response to the CFPB from XXXX XXXX XXXX violated my rights to privacy and they are in violation of many federal laws pursuant to 15 USC Chapter 41.
XXXX XXXX XXXX is in violation of 15 USC 1692c ( b ). XXXX XXXX XXXX did not and does not have any prior consent given directly from me, the consumer, to communicate with any person about any debt or alleged debt in connection with me. XXXX XXXX XXXX communicated with the CFPB about an attempt to collect a debt from me. XXXX XXXX XXXX exposed my nonpublic personal information to third parties without my consent, which is unauthorized use of my credit card. XXXX XXXX XXXX has not provided any validation of any debt in connection to this matter. They have not produced any of the actual accounting and they have not provided a legally or lawfully binding agreement in connection to the matter. The response letter XXXX XXXX XXXX designed, compiled, and drafted to the CFPB shows they are knowledgeable that said form would be used to create the false belief in me, the consumer, that a person other than the creditor of such consumer is participating in the attempt to collect a debt I allegedly owe such creditor, when in fact I am not so participating. XXXX XXXX XXXX is in violation of 15 USC 1692j.
The initial referenced notice sent to XXXX XXXX XXXX dated XX/XX/21 gave them reasonable time and grace to locate and produce the validation of the alleged debt and other information as requested. XXXX XXXX XXXX was granted 30 days to produce said information. The deadline has passed for the time granted for their response. XXXX XXXX XXXX did not respond to the Affidavit of Truth. An unrebutted affidavit stands as truth. XXXX XXXX XXXX failed to perform the required actions. On XX/XX/21 I, the consumer, sent XXXX XXXX XXXX a Notice of Default and Opportunity to Cure dated XX/XX/21 to resolve this matter prudently. I have attached the encloses of said notice to this complaint.
|
| 10/05/2015 |
Yes |
|
|
|
Web |
Older American |
|
Re : Synchrony Bank ( JC Penney account ).
I never chose to do business with Sychrony Bank ( formerly called GE Credit ) but they handle JCP credit card accounts as well as credit cards for Lowe 's, Walmart and several other retailers. This complaint involves XXXX furniture purchases at the JCP store in XXXX, ID on XXXX/XXXX/15 and XXXX/XXXX/15. I first purchased a sofa and chair at JCP on XXXX/XXXX/15 which totaled {$1300.00} and canceled the order on XXXX/XXXX/15 for the same sofa and chair in a different fabric and color for a total price of {$1300.00}. I was offered " Special Financing '' on a 36-mo Interest-Free Plan w/a down pymt charged to my regular JCP account. The down pymt on XXXX was {$270.00} which has never been refunded to me after this order was canceled on XXXX and has remained on my acct balance for 4 mos@26.99 % interest. The XXXX purchase on XXXX was for {$1300.00} w/a down pymt of {$190.00} also applied to a regular JCP account. Both the purchase price on XXXX in the amt of {$1300.00} and the down pymt of {$190.00} were lumped into my regular JCP account rather than the Interest Free Special Financing over 36 mos so I 've had to pay 26.99 % for 4 mos now. No one at the JCP store in XXXX understands the stmts issued to JCP customers by Synchrony so they are no help. The monthly stmts are full of careless/sloppy mistakes so it appears whomever prepares these stmts uses XXXX only as a XXXX language and has no experience or understanding of billing for retail stores -- or else everyone at Synchrony is as corrupt as the institution of Synchrony Bk. The Home Store Supr at JCP in XXXX tried to intervene and told me who to call at Synchrony ( a Supr ) who would not take my call and has not returned my call. I have written to the JCP store in XXXX and to Cust Svc at XXXX to no avail. I feel like XXXX and would appreciate someone at CFPB intervening on my behalf. I 'm XXXX yrs old, a retired XXXX XXXX so I understand finance very well so I 'm outraged about what 's happened here and do not understand why no one at JCP seems to care how customers are being cheated at Synchrony. I have sent copies of my letters to the CEO at JCP. Synchrony Bank is a corrupt institution and does not regard JCP or other retailers ' customers as " customers ''. To them we 're just debtors and they treat us like deadbeats which I am not. The fact that Synchrony gets away with their corrupt practices is a result of deregulation of the financial services industries per " The Financial Services Modernization Act ''. I am asking for a refund of {$270.00} for the down pymt of purchase on XXXX that was canceled on XXXX and a refund of interest charged on that down pymt + the interest I 've been charged since XXXX on the " interest free '' 36-mo pymt plan and that stmts be corrected to reflect the interest free pymt of $ XXXX/mo for the XXXX purchase. As it stands now mo stmts do not reflect this pymt or the balance on the interest free plan -- both are simply lumped into the regular acct@26.99 % interest. Synchrony Bank should be in your data bank as you have received other complaints from this company which are filed online on XXXX.
|
| 06/14/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XX/XX/XXXX I called Synchrony Bank about Promotion Offer Number XXXX I received in an e-mail. I asked them about the details section of the offer and if it was for one time or as many purchase as I make. The person I spoke to said it was for as many as I make over {$690.00} and keep the account open and in good standing. I said thank you and hung up.
On XX/XX/XXXX I made six ( 6 ) purchases for {$700.00} on my Synchrony Bank XXXX XXXX to claim the {$100.00} statement credit on purchases made with the card over {$690.00}.
Two months later I saw one ( 1 ) of the six ( 6 ) statement credits be applied to my account.
On XX/XX/XXXX I called into Synchrony for help and to see where my other five ( 5 ) statement credits for {$100.00} each were at. I was transfer to an Account Manager named XXXX. She asked me to fax the promotion offer to her and she will re-submit the claims for me. I faxed the promotion offer to XXXX attention Account Manager XXXX.
On XX/XX/XXXX I looked at my most recent Synchrony statement and saw that none of the account statement credits have yet been applied. I called back into Synchrony and was given a run around about what is going on. I was given a number to call of XXXX. I called that number and was directed to a supervisor named XXXX. We spoke about why I was calling in and told her everything I've told everyone else. She said that her system says that the offer is good for one per household. I asked her how was I supposed to know what her system says? She told me its my issue to deal with and there is nothing she can do because she is unable to see the promotion offer details. I read her the details over the phone and asked her if anywhere I said " limit one per household '' then asked her if I should know what her system says when I can not see it. She said " no, you should not have to know what our system says ''. I then asked her if she knew what the following terms meant of misrepresentation, false advertising and fraud. She admitting said she did and I asked if I could read her the definitions to her off the Federal Trade Commissions website. She said yes. After I read them to her I asked her if this situation as she understands it applies to each of those terms. She said " yes this does but my system says one per household ''. She told me to fax her the promotional offer and my rebate claim tickets to XXXX attention XXXX and that she would contact me in about XXXX business days. I told her I would do just that.
On XX/XX/XXXX I faxed the promotional offer and the rebate claim tickets to XXXX On XX/XX/XXXX I called XXXX to get a status update as I was never contacted by XXXX. I was connected to another Supervisor who told me that the system says " one per household '' and I should have known this. That there is nothing else I can do but pay for what I bought. I told him that I would be making a claim with the Federal Trade Commission and the Consumer Financial Protection Bureau. He said " good luck and have a nice day ''.
From what I have gathered from this company is hoping I either forget about the promotions I applied for and rightfully am owed or just give up and pay.
|
| 12/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) engaged in fraudulent and deceptive practice including bait and switch to offer XXXX service and obtain payment through Carecredit / Synchrony card.
On XX/XX/2018 I went to to XXXX XXXX practice for a XXXX and XXXX covered by my insurance. While in her XXXX chair she solicited me and convinced me to replace my XXXX with a XXXX by offering me financing at 0 % for 5 years. She told me I was approved and immediately continue to work in my XXXX. During the middle of the procedure while XXXX XXXX She came back with papers for me to sign. She never told me it was a credit card and never gave me any document with the terms and conditions.
3 weeks later I received a credit card for {$7000.00} from Synchrony Bank/Carecredit for 26.99 % ( which she already depleted within minutes of being in the XXXX chair. ) .Surprised at getting a credit card in the mail, I immediately contacted Synchrony bank to dispute the charge interest rate. Synchrony Bank/carecredit advised me to contact the vendor XXXX XXXX XXXX XXXX XXXX which I did. After several calls to her office, her customer representative told me that they have contacted Synchrony Bank/carecredit to make the adjustment to reflect 0 % for 5 years. Several calls to Synchrony revealed that to date XXXX XXXX had not called Synchrony to have this information regarding the interest rate adjustment or corrected, Which lead me to believe that XXXX XXXX had been engage in bait and switch to receive and use the funds to her advantage causing me financial, physical, emotional, mental stress and anxiety. Its been over 5 months of pain and suffering because of the poor job she did on my XXXX causing me to go to Urgent care twice as a result of her damage. I have been unable to sleep at night because of the anxiety and stress associated with the interest rate of this card and fear of seeing another XXXX and possibility of filing bankruptcy. As a widow, I never would accept or even apply for a card that is 26.99 %. This XXXX was unnecessary because my XXXX was ok. The only reason I accepted her offer was because she told me her financing is at 0 % for 5 years.
I am disappointed that Synchrony bank would take side with the crocked XXXX who will eventually force me to file bankruptcy because of XXXX XXXX unethical and fraudulent behavior. I still can not believe that within minutes XXXX XXXX duped me out of a total {$15000.00} that included what my insurance covered and {$7000.00} from Synchrony bank. Despite the several calls to synchrony bank and to XXXX XXXX office to get this matter resolved I am yet to get justice. On XX/XX/2018 XXXX, a manager ay Synchrony bank told me he would reverse the interest rate to 0 % for 60 months. A month later i got a letter from Synchrony bank reversing that decison and was told that XXXX XXXX has to call in and make the changes. XXXX XXXX representative from XXXX customer relations ( XXXX ) told me she called Synchrony bank to correct the problem. Synchrony Bank says they never receive a call from XXXX XXXXXXXX XXXX office.
In light of this I am seeking your intervention in getting this issue resolved.
|
| 08/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Summary of issue : XX/XX/2021 : logged in to my Paypal Mastercard account, scheduled a payment in the amount of {$50.00}, the statement balance. This payment was scheduled to be deducted from my checking account on XX/XX/2021. The confirmation number for this authorization is XXXX. While logged into my Paypal Mastercard account, there was a pending charge I did not recognize. I alerted Synchrony Bank, that card number was cancelled and I was issued a new card number.
The following is what actually happened on XX/XX/2021.
XX/XX/2021 : Logged into my Paypal Mastercard account to follow up on the fraud alert, to discover my {$50.00} payment did not post to my account. I called my bank and was told only {$25.00} was sent to Synchrony Bank. So, I called Synchrony Bank and talked to a supervisor, her name was XXXX, she discovered Synchrony Bank only requested {$25.00} from my bank on XX/XX/2021, not the {$50.00} I had authorized. She also stated the payment was likely hung up due to the cancellation of one card number and the issuance of the new number. This payment was due no later than XX/XX/2021. I explained my concern of the approaching due date and XXXX assured me since the account was being sent to the payment department to look into the situation, the account would not be subject to past due issues. Basically, all of that would be suspended until the payment department had located the {$25.00} and decided how the remaining {$24.00} would be collected by Synchrony Bank. She said this should all be completed by the time my next credit card statement cut. My concern that the XX/XX/2021 payment due date would cause a problem was soon a reality.
XX/XX/2021 : My Paypal Mastercard online account shows me a notification that I have a past due notice on my account and a late charge and finance charges had been assessed. Contacted Synchrony Bank AGAIN and Customer Service Rep XXXX was attempting to assist and assured me this mess would not bork my near perfect credit score. He stated the payment department would be investigating the missing payment and I would need to send a copy of my bank statement. I sent the bank statement on the XXXX of XX/XX/2021. That is the second time I was told the payment department was researching this issue. Received letter from Synchrony Bank dated XX/XX/2021 affirming the issue was being researched and it may take up to 90 days to complete the investigation and resolve the issue.
XX/XX/2021 Synchrony sent a communication stating they were unable to locate a {$50.00} payment and the case has been closed and adjusted the balance on my account to reflect the {$50.00} balance they say I owe. They did not reassess the late and finance charges, to which I am thankful for.
After numerous calls to Synchrony Bank since XX/XX/XXXX, they refuse to look for the {$25.00} and tell me they can not find the {$50.00}. They need to be looking for {$25.00}, not {$50.00}.
Not only do they refuse to investigate the {$25.00}, they have committed fraud in requesting an amount I did not authorize. Really glad they did not request {$2500.00}, as that checking account did not have enough to cover that.
|
| 05/23/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
This is for an XXXX store card through Synchrony Bank. I recently moved and applied for a new card to take advantage of the 5 percent off purchases. I was able to use the card online for about a week. The card was then turned off but the account remained open. I received a letter in the mail from the fraud department with a code from Synchrony saying to call them. I called them and went through a verification process and was told everything was fine. The card worked for 1 week then was not working anymore.
I called back a second time and was told that no record of a previous call was on file. They attempted to verify and said my information on file is different and they will have to mail me a letter with a code to verify me. This letter never came so I called back. I verified my address and was told my current address is what they have on file. They said I just need to wait for the letter. Another week passes and still no letter so I call again.
This time I spoke to XXXX who is the fraud manager. She verified my address and promised to send me a statement so I can see the charges to make a payment. I needed to make a payment and they would take money over the phone but refused to allow me to know what is on the account since they can not verify me. After going back and forth with XXXX I talked to a nice guy at customer service who did go over some charges and I made a payment so I do not incur late payment fees or interest. I then wait for the paperwork XXXX promised.
About 2 weeks go by and I receive several letters in the mail that were forwarded from my old address to my new one. This old address was verified by Synchrony not to be on file and I was promised several times that items were mailed to my current address. I did receive a copy of a statement at this time.
I called back to let them know I received the letters at the wrong address today. I spoke to XXXX who is another fraud manager id number XXXX and she did not care. She said she has to verify me or I can not even talk to them about anything. I told her that the information they have is wrong and the last 10 times someone has gone through the same script they said I can not be verified. I told her I wanted to close the account and given a final statement to pay the bill. She said she can not do that unless I mail them by postal mail a number of personal information items. I told her that I was just interested in closing the account again and she explained that if I do not send those items in then there is nothing she can do. I explained that they are required to at least provide a statement of charges so I can pay. She said that without that information they will not provide a statement, the amount due or any information on the account. I explained I can incur late charges if I miss the due date or amount due coming up soon. She said that information is only available once I go through the verification process. I explained how I went through it previously and she did not respond and just spoke the same statement. I really need help. These people do not care at all and might mess up my credit which has zero late payments and in good standing.
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| 09/20/2016 |
Yes |
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Web |
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I will try to make this as short as possible. 2 years ago I had an issue with Synchrony Bank/Paypalsmartconnect. I had noticed that there were monthly payments that I had made not posted to my account. It took me numerous times to even manage to get any help from someone with this company about this issue. Every time I called, I would tell whom ever I spoke with that I had statements from my bank showing that the payments were accepted by them and where did they put the money? They would just ignore what I was telling them and say that they did n't receive the payment. After quite a few try 's, I finally got someone to help me, so I thought. We had agreed to put my account on a freeze until they could figure out what the problem was. I was sending them a package that included my payment information with the receipts from my bank stating that it was paid, etc. Within that time, there was another charge to my card that was not mine and I informed them of this and they were going to look into this too. After I sent them the package, I never heard another word from them via mail, phone, email. Not another bill or anything. Fast forward to now : I had run my credit report ( because I am applying for a mortgage ) and saw this account on there as a " charge-off ''. I was beyond upset of course. When I called Synchrony Bank, I was told that they could n't help me and that my account was turned over to a collection agency ( XXXX ) and to call them. So I did and when talking with them, I asked why I was never notified about this collection account and they read me back all the contact information that they had for me and it was completely incorrect! So all this time they were not able to contact me concerning this debt because Synchrony Bank gave them the wrong info. So now the only way I can even talk to Synchrony about the original issue with this account and to try and straighten it out was to pay the collection agency what they wanted and then Synchrony would then have the account back and would be able to talk to me. I was also advised that I could not dispute this case if I wanted to get approved for the mortgage that I was trying to get, so of course I paid the fee that the collection agency wanted because I did n't have a choice. When I was able to talk to someone at the bank, they were not very helpful with the remaining problem and with the current issue of how they were going to clear this up with my credit since they were the ones at fault. It was like they had all previous conversations completely wiped out of their system. I was basically told that I was out of luck! So now my question is, what do I do next? I still have some of the information showing some payments that were never posted to my account ( it was originally XXXX, but I only have XXXX proof of payments at the moment ). If this was all taken care of when they said they were going to, the balance that I just paid would have been less than half ( no late fees, etc. ) and this would be an issue on my credit report. Which of course is keeping me from getting a loan! I have several complaints about this banking institution. Something must be done.
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| 02/27/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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My account was set up on automatic payments. The original account that was set up had a fraud issue and payment did not go through. Immediately after realizing that my payment did not go through due to fraud, a payment was made to supplement the payment. I contacted Synchrony on this issue and was told all was well and to not worry. We updated the automatic payment information to a new account and proceeded. Payments went through fine until I noticed that a scheduled payment did not go through. When looking online, it rerouted to the previous account that we stopped using due to the fraud charges. Contacted customer care, to see why the payment reverted to the old account, was told by XXXX that it must have been a glitch. Updated the account information back to the previous account, but this time kept an eye on the payments to ensure that they went through. Checked the payment a day before it was to be processed and it stated, " You have an automatic billing payment in the amount of xx.xx coming out of account XXXX on XXXX. '' Took a screen shot of the CORRECT information for payment. Waited while the payment was processing and then once again ... days later the payment still failed to go through. The payment once again reverted to the old account even after deleted. At this time, we received a letter stating that the account was now closed by guarantor due to returned payments! They lowered the credit limit and utilization on my score went through the roof because now it shows that I am maxed on the credit line but on time payments continued to show as we always rectified the payment due to their glitched system.
Decided to just pay the card off in full to avoid any more negative remarks on our credit report and to be able to be approved for a home loan, got online to make payment and the online system once again says it is having trouble accepting online payments at this time. So, I contacted synchrony again for this issue to pay the balance in full and spoke with XXXX on XXXX and was told that we are not the first people to complain about the issues with payment. I was transferred to a customer service department to see what they could do about the issue at hand to remove the negative remarks or reopen the account and was told that they could not do that but recommended that we file a dispute with the credit bureaus. I asked what good that would do... the credit report shows on time payments, but the account was closed, and damage was done by this time. Told me to call back on XXXX to escalate the issue for them to look into the matter. I paid the balance on the line off in full to avoid further negative reporting and they did remove the interest and return fees.
XXXX I called synchrony bank again to look into the issue. While everyone understands that this shouldn't have happened, no help was offered. I had to escalate through XXXX different levels of management, only to be rudely spoken to by XXXX who told me that I could submit a statement to XXXX XXXX XXXX XXXX, XXXX XXXX. She would not provide me with her employee ID number for reference or any information on the process of sending a statement.
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| 12/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened without my consent or knowledge
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Web |
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PayPal Fraudulently opened a checking and savings account in my name without my consent. I notified PayPal and PayPal instead of conducting a proper investigation. PayPal falsely accused me. All charges on this account or accounts are fraudulent. The IP address used to login to the account doesnt match my IP address, the email address used to register the account doesnt match my email address. I never applied for any accounts with PayPal. I did not sign an application and I never confirmed the application. PayPal stated XXXX was used to open said accounts. Thats not my email address. That doesnt match my records either. Subsequently PayPal advised they sent a debit card to my address. Ive never received a debit card from this company, nor have I received nor accepted any of their terms or conditions. Paypal also stated and falsely accused me of them emailing this email address, thats not my email and I dont know whose it is. I do have extended fraud victim alerts on all my credit files and PayPal chose to ignore those when opening this account. PayPal subsequently charged this account and transferred to bank accounts they couldnt verify. None of the accounts they provided match my information. Subsequently if they attempted to verify those accounts they too were closed due to fraud. PayPal refuses to acknowledge their own mistakes. PayPal has continued to respond to this email address that doesnt match my complaint either. Im not sure whom they are reaching out to but its not me. Again PayPal says they verified with this fraudulent email address that the account was authorized. Whos email address is this they provided? PayPal charged and acknowledged they made charges to this prepaid debit account, and subsequently a savings account. Im not responsible for debt I did not obtain. PayPal attempted to fraudulently collect this debt without actually validating the application for the account. They sent emails to this fraudster by email. They transferred funds to the fraudster. I checked with USPS postal inspector and Ive never received nor activated any debit cards for this company. All charges, all disputes and all account activity are fraudulent. The entire application to PayPal is fraudulent. I did not sign any applications and I checked my public records none of my information matches what PayPal has stated. PayPal refused to conduct a proper investigation. I will not pay their debt and Ill be more than happy to take this to legal matters. If necessary. At the time of court I will prove the identity fraud PayPal conducted and I will continue to dispute this debt which PayPal falsely accuses me of. PayPal is not conducting business to follow proper Fair Billing practices. When a debt is fraud they should handle it as such. I have asked for this account to be closed and all accounts associated this email address PayPal has listed is not my email address and subsequently I will not take responsibility for these charges. PayPal has been sent a legal copy of the FTC Identity Theft Affidavit which lists this email address. Lastly PayPal should not falsely accuse someone without providing proof of the accusations.
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| 11/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Regarding : Unauthorized Administration of the XXXX XXXX XXXX Enclosed you will find your abandoned paperwork alleging that XXXX & XXXX XXXX XXXX XXXX, Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for the XXXX XXXX XXXX XXXX All executor de son tort and/or trustee de son tort actions are prohibited and proof of violation of 18 U.S. Code 1029- Fraud and related activity in connection with access devices. The consumer revokes any and all implied consent for administration, contracting, or communication of any kind, let alone the creation of a purported account enumerated s/h XXXX. Via multiple communications, including the non-negotiable CEASE AND DESIST notice dated XX/XX/21, the office of executor has proven no quorum approval of the board at the prior financial institution authorized the hiring of an attorney and that XXXX & XXXX are falsely presenting themselves to have authorization as attorneys, when in fact, no such private attorney has United State authorization for litigation. Upon multiple occasions, XXXX & XXXX have failed to produce evidence of a contract between themselves and the head agency with litigation authority, in violation of 31 U.S. Code 3718 - Contracts for collection services.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX & XXXXXXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members XXXX possibly resulting in identity theft. Upon investigation which XXXX & XXXX confirmed, XXXX XXXX has implicated the prior agency and XXXX & XXXX in unauthorized transmission of personal private information in violation of 15 USC 1692b ( 2 ). Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
The false and misleading representations prohibited by the Fair Debt Collection Practices Act are : 15 U.S. Code 1692e ( 1 ), 1692e ( 3 ), 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to 1692e ( 1 ) ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
1692e ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
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| 12/06/2023 |
Yes |
- Credit card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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I was offered a promotional no interest and fixed extended payments with Rooms to Go using Synchrony Bank credit card.
On XX/XX/XXXX I made a purchase at RTG outlet in XXXX XXXX LA for a mattress and a chair. I was given an approximate amount that would be due of about XXXX and was told that I would receive the documents for billing from synchrony Bank in the mail. I never received a billing statement from synchrony but I downloaded the RTG app on my phone and made a payment of {$35.00} on XX/XX/XXXX. ( I was told the payments would start in XXXX but wanted to pay early since I only get paid once a month ) I received an email from RTG saying a payment was due so I made another payment of XXXX. On XX/XX/XXXX. ( I assumed that my prior payment was not enough to cover the XXXX fee ) In XXXX I still received nothing from synchrony bank but I noticed I was charged a fee of XXXX on XX/XX/XXXX and a late fee on XX/XX/XXXX of {$30.00}. The payment I made on XX/XX/XXXX for {$64.00} was supposed to be XXXX payment.
I was confused as to why the monthly statement was higher than expected and why I was being charged interest and late fees. ( XXXX interest on XX/XX/XXXX ) When I contacted synchrony about the billing, I was told that only the mattress had been put on the promotional no interest/fixed payment plan and that I was supposed to be making two separate payments per month. I notified them that I had not received any statements and that this was not what I was told at the RTG store.
I paid the total price of chair {$280.00} and was told that they would refund the late fees.
They did refund the late fee of XXXX sept. XXXX and said they would send the billing statements. I notified them that i needed the due date to be on last or first day of month.
I continued to pay using the app : XX/XX/XXXX {$34.00}. And on XXXX XXXX {$68.00}.
On XX/XX/XXXX I noted a negative reflection on my credit report and went to app to see why my account balance and monthly payment was higher.
I noted that they had charged a late fee of XXXX. In XXXX, XXXX. In XXXX, an interest fee of XXXX. In XXXX and was saying I owed another XXXX. Before XX/XX/XXXX.
I paid the XXXX. And called synchrony bank. They said my due date was the XXXX and NOT the last day of month and therefore they could charge a late fee. They had not changed the due date as requested in my last phone contact and I still was not getting statements.
I signed up to receive electronic statements in the future but requested all docs be sent by mail for dispute.
I have made a payment Every month and sometimes twice a month. I have made 9 payments since XX/XX/XXXX when I made my purchase and should NOT be paying late fees since I have been trying to pay a month ahead.
Also, a late fee that is in excess of what my monthly set fee is excessive and unfair. It goes against the credit card act of XXXX.
I have again requested that ALL late fees be returned, that my due date is changed to one that is near my pay day, and that I am NOT charged interest since my promotional plan was fixed rate no interest. I also want my credit report to be changed to reflect on time payments.
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| 09/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I went to XXXX XXXX XX/XX/2018. It was my first time there. I should have read there reviews before going there. I needed ( one ) crown on my last back left upper tooth. After waiting to go into the room, aI got several ex-rays ( at least 20 ) it was uncomfortable and hurt when the assistant did one of them, but didnt want to say anything. After three hours the Dentist XXXX XXXX was not there and still waiting. So while waiting I overheard an upset customer arguing with the Front Desk Manager for 20 minutes at least. I asked the assistant what was going on and she told me it wasnt the Dr. it was the Front Desk Manager. I asked the assistant when the Dr. was going to be coming in, she said she has to drive a ways to get there. So finally when she came she said besides the back last upper top left tooth that needs a crown ( which I know I needed one from what my regular Dentist said, XXXX XXXX ) she said I needed another one that is eventually going to crack. So she started to do my temporaries and it was very painful, I felt the shots and when she worked on the last back tooth, she said she couldnt give me a shot there. I was there 4 hours and left.
My mouth hurt four days after that day, and my last upper temporary came out and I had only been eating soft foods, because I never been to XXXX XXXX, I wanted to be careful, and it did feel like excess stuff was on my teeth where she worked on and didnt feel the same as when I had other crowns done before from my regular Dentist, XXXX XXXX.
XX/XX/2018 I went to my regular Dentist, XXXX because I didnt want to go back to XXXX after what I been through. My regular Dentist re-did my temporary and said XXXX didnt even fit it properly to my tooth, ( which leads me to believe the crowns they did would not fit properly either if the temporaries were not done properly ) so I would eventually have to get it done elsewhere which is my regular Dentist. And I told him I didnt want to go back to XXXX after what happened.
XX/XX/2018 I emailed XXXX to cancel my appointment for the XX/XX/XXXX.
I went XX/XX/2018 to my regular Dentist XXXX XXXX to do the empressions for my crowns and give me two temporaries. I didnt feel a thing and wasnt there 4 hours like XXXX, and no pain from when I went to the time I left. I was there an hour and a half only because XXXX basically grounded my teeth down and didnt even look like a tooth. My Regular Dentist XXXX XXXX was not happy or satisfied by their work and he had to fix what they did. I left my regular Dentist XXXX satisfied and my teeth felt normal, unlike when I went to XXXX.
* I received a letter that XXXX sent Care Credit ( and none of it was true ), I went in for only one crown, not two as they wrote.
And I didnt show up for my crowns is not true I emailed XXXX to cancel my appointment and took a snap shot on my phone.
And I did call XXXX XX/XX/2018 and talked to the office about the reasons I wasnt going back as stated in this statement, which in the letter they sent to Credit Care they said I I went to XXXX XXXX XX/XX/2018. It was my first time there.
XXXX XXXX lied about the information they sent to care credit!!!!
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| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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This is concerning my PayPal Credit Account, it appears that PayPal has granted an Unknown Third Party access to my account.
On Monday morning at XXXX a text message was sent to my Cell Phone - The text message was a one-time code to access my PayPal account. Meaning a login had occurred and a verification code was sent as a one-time use code to access the account data. The problem is that I DID NOT ACCESS THE ACCOUNT ON MONDAY AT XXXX AM. I called PayPal today at XXXX AM to inquire about the incident. I explained to the representative that I had security concerns about my account, I further explained that someone other than me had accessed the account and had gone as far as requesting to have a one-time code sent and that the code was sent to my cell phone via text.
The representative placed me on hold to investigate then he came back on the line to explain to me that he could see the transaction. I asked him to inform me of the location of the login, the manner in which the login was done, whether the login was linked to my previous device login data etc in an effort to investigate. The agent told me that HE COULD NOT TELL ME, NOT THAT HE DID NOT KNOW BUT THAT HE COULD NOT TELL ME. I have come to the occlusion that PayPal is in collusion with another entity or organization and is granting access to my records without proper notification and disclosure to me, or at the very least, PayPal is AWARE that my account is being accessed and is deliberately withholding the information from me.
1. On several occasions when I called PapPal, the people that answered the phone did not address my questions as the REGULAR PayPal Staff usually do, instead interrogated me about what my purchases were for and who I was sending payment to when in fact the payments sent were for products ad services.
2. Recently PayPal refused to issue a refund even after I had provided sufficient evidence that I had not received an item I had ordered- receipts, shipping claims and dispute documents were filed, and the PayPal staff refused to issue the refund until I contacted the CFPB office.
The latest issue is that I Notified PayPal of fraudulent access to my account and requested details of who had accessed my account and PayPal Refused to explain and Refused to Investigate the matter.
Per the ACLU Immigrant Citizens oftentimes come under scrutiny under Homeland Security Administration. I am a Law Abiding - Tax Paying Citizen and I need for PayPal to be transparent and disclose to me WHO has been accessing my account since XX/XX/2021 when I traveled to XXXX XXXX. I need assistance in having PayPal fully disclose what entity or organization has been granted access to my account and to inform me what recourse do I have regarding the fact that someone other than me is accessing my PayPal Account. The account access is either Illegal or sanctioned by a Law. Therefore, to disclose information on who accessed my account and why or what I can do regarding unauthorized account access poses a risk of identity theft, and if the access is related to some sort of warrant, then a disclosure is in order and would be greatly appreciated.
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| 02/06/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Due to the XXXX XXXX XXXX XXXX, I was made sole account holder of a Care Credit account per a letter dated XX/XX/XXXX and sent to me by XXXX Credit Bureau Services. The following is a timeline of my communications with Synchrony concerning the debt settlement of this account.
Context : Ex-spouse and I opened this account in XXXX. Ex-spouse was assigned this debt in our divorce decree dated XX/XX/XXXX. Ex-spouse was ordered to pay off the balance and close the account. Ex-spouse closed the account, but did not fully pay off the balance. Care Credit does not recognize our divorce decree and I became the account holder in the above referenced letter. The balance was {$4900.00} at the start of the issue.
XXXX : XXXX XXXX from Synchrony Credit Bureau Services naming me account holder. Did not receive until XX/XX/XXXX because it was mailed to Executor of Ex-Spouses estate.
XXXX Called Synchrony/Care Credit and spoke with XXXX. She transferred me to XXXX in the Settlement Department. Settled from {$4900.00} to {$1900.00} to be paid off in XXXX installments, or sooner : XXXX. XXXX $ XXXX Paid XX/XX/XXXX XXXX. XXXX $ XXXX Paid XX/XX/XXXX XXXX. XXXX $ XXXX Paid XX/XX/XXXX I paid the XXXX payment of {$650.00} that day. This left {$1300.00}. *See attached PDF for agreement document.
XXXX Called and spoke with XXXX- I satisfied the settlement amount by paying the remainder of the settlement at {$1300.00}. Confirmation # XXXX. XXXX told me I would receive a payoff letter.
XXXX Called and spoke with XXXX XXXX then XXXX XXXX My account was not corrected to show the settlement was in action or that I had paid off the account. They spoke with agents who were supposed to correct my account.
XXXX Called to ask about my payoff letter and to cancel my automatic withdrawal. I spoke with XXXX who assured me that there would be no automatic withdrawal on XX/XX/XXXX since my account was paid in full. She had to read my customer service account notes to see that my account was paid as it was still showing I had a balance.
XXXX An incorrect automated payment of {$650.00} was posted out of my XXXX bank account ending in XXXX.
XXXX Called and spoke with XXXX who deleted the remaining automatic withdrawal date of XX/XX/XXXX from my schedule and connected me with XXXX XXXX from customer service, who was able to issue me a refund check. My payoff letter should take a billing cycle.
XXXX XXXXt did issuXXXX a refund via check ( # XXXX ), which I voided since I disputed the automatic withdrawal and received the credit from my bank.
XXXX Called to ask about my payoff letter. Spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
XXXX told me I still had a balance of {$110.00} for XXXX billing cycle because my account was not updated to show I had satisfied the settlement. I corrected the information verbally. XXXX was able to file a report for them to review my account as he admitted they were confused. I was assured I should be getting a payoff letter soon and I can disregard statements.
XXXX I still haven't received communications confirming the account is settled, but I have received a statement saying I owe {$3900.00}.
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| 04/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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CareCredit card ; a feature of the card is promotional purchases, which defer a high rate of interest ( 26 % + ) for a set amount of time ( example : 12 months ), and if the amount is paid in full before the promo period expires, the interest is waived ( leaving you having paid 0 % interest ).
Prior to XX/XX/2022, if you made the minimum payment for the month, it would be applied to the soonest-expiring promotional balance on your account. So, for example, if you had promo balances expiring in XX/XX/2022, XX/XX/2022, and XX/XX/2022, a payment you made would be applied in full to the XX/XX/2022 promo balance. If the payment was bigger than the total amount of the XX/XX/2022 balance, the remainder would then be applied to the XX/XX/2022 promo balance, and so on.
In XX/XX/2022 CareCredit made some sort of change to, instead of applying your payment to the soonest-expiring promo balance, " skip one '' and apply it to the next promo balance after. But they didn't tell anyone that they were doing this. Their representatives say " they can not tell you why '' their system is doing this.
So in the example, your payments would all go to the XX/XX/2022 promo balance, and as a consequence you would " fail '' to pay off the XX/XX/2022 promo balance. As a result of that, the 26 % + interest on that XX/XX/2022 balance that had been accumulating **since its original purchase date** would be added to your account balance, as a non-promotional amount that in turn begins capitalizing more interest atop it at that same 26 % +.
This change in payment application is not disclosed to the debtor at all. Further, this change is not visible to the customer unless they are cross-checking every payment to try to figure out how CareCredit applied it.
This has been done with to 3 payments in a row that I have made since XX/XX/2022. I have had my account for years and can speak authoritatively to the fact that this is new behavior.
When talking to CareCredit on the phone, including manager escalation, they have alternately said that : ( a ) the only way to ensure that your payment is made to the soonest-expiring promo balance is to phone in after making the payment in order to have it reallocated from wherever they applied it to, or ( b ) that how payments are applied is complex and unpredictable.
( a ) may be true as of XX/XX/2022, but ( b ) is absolutely false -- again, I have had my account for many years, and I am well-versed in how application of credit card payments works and why -- not a novice here. Until XX/XX/2022, payments were always applied -- in full -- to the soonest-expiring promotional balance.
Phone representatives do not take this seriously and either shrug off the issue or give you the runaround, offering only, when pressed, that they will reallocate a payment you just made to the soonest-expiring promo balance, but you have to call in to ask them to do so.
This is a pretty clear racket to trap debtors into " failing '' to pay off their promo balances before they expire, at which time it will be the " debtor 's fault '' that they " now owe '' the accumulated interest due to the " failure. ''
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| 09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have made two telephone calls to the company, two on-line inquires, and I have recently filed a complaint with the XXXX XXXX XXXX. I did not authorize the account which this company is sending me bills for ; below is a copy of the information sent to the business : XX/XX/2019 Synchrony Bank XXXX XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Dear Synchrony Bank : This letter is to complain about service I recently received from a Synchrony Bank customer service representative. I called Synchrony Bank in XX/XX/2019 as I began receiving notices for an unpaid account which I did not authorize or establish ; Account Number : XXXX XXXX XXXX XXXX.
I was notified by your company on regarding an alleged debt for the above referenced account number. I have reason to believe I do not owe this debt because I have never established or authorized the account to be created. I am unfamiliar with the terms/conditions of this debt nor did I approve, authorize, sign or receive any information about this debt or the type of debt. I am unsure if this is a credit card or a loan?
When I first inquired about this debt I was transferred to several individuals. I finally spoke to summon in the legal department with Synchrony Bank ; so I was told. I advised the individual that I had inquired about rates and information on loans with numerous vendors but did not sign or see any agreement for Synchrony Bank. The representative told me that the loan was taken out my XXXX technician and that if I wanted to see terms and conditions of the account I should contact my XXXX repair person. Needless to say, I was quite frustrated. I expected a much higher level of service from Synchrony Bank as I have other credit accounts that are administered through your institution.
I can not blindly throw money away towards an account/debt which I have no basic understanding or knowledge of. I know nothing of the debt, why the debt exists or who authorized the debt to be established. I was told by the customer service representative that when I provide my social security number on loan applications I am automatically agreeing to loans and dont need paperwork or account disclosure/agreement. I vehemently disagree.
I request all of the following information be provided to me by mail regarding the disputed Account Number : XXXX XXXX XXXX XXXX : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Copy of credit application authorizing this debt to be established ; 4. Copy of agreement as well as terms and conditions ; 5. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 6. Documentation showing you are licensed to collect debts in the state of Minnesota.
I ask that you cease attempting to collect this alleged debt until after you have provided the requested information. I will lodging a complaint with the XXXX XXXX XXXX in the interim since my telephone contact has not resulted in any resolution or clarification.
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX E-mail : XXXX XXXX
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| 10/23/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I mailed a request for validation to XXXX XXXX XXXX XXXX on XXXX/XXXX/15. The return receipt card indicates that this request letter was received by XXXX on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically asked that XXXX provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. XXXX 's response letter was sent just one day after after receiving my letter and is dated XXXX/XXXX/15 ; in this letter they identify the original creditor as GEMB/Care Credit. This company provides healthcare financing and this alleged debt is not identified in my credit reports as medical debt. Not only has XXXX failed to provide the requested information, but they ask that I provide them with a copy of the contract and a copy of the bills or statements that show the amount owed or rates. If I am asked to provide them with this information then I can only presume that they do not have this information in their possession. My second request for validation was mailed to XXXX on XX/XX/XXXX15and the return receipt card indicates that this request letter was received by XXXX on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically ask for proof that this alleged debt was assigned to XXXX. XXXX has not responded to my second request and has not properly validated this alleged debt. XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX 's main revenue generating subsidiary XXXX. By way of Consent Order in the matter entitled USA Consumer Financial Protection Bureau, File No. XXXX, In the matter of XXXX XXXX XXXX XXXX XXXX, et al dated XXXX/XXXX/15, XXXX was identified as having violated Sections XXXX XXXX a ) and XXXX ( a ) ( XXXX ) of the Consumer Financial Protection Act of 2010 XXXX " XXXX '' XXXX, XXXX U.S.C. XXXX XXXX a ) and XXXX ( a ) ( XXXX ) ; Sections XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) of the Fair DebtCollection Practices Act ( " FDCPA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) ; Sections XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ) of the Fair Credit Reporting Act ( " FCRA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ). Under sections XXXX and XXXX of the XXXX, XXXX U.S.C. XXXX, XXXX. In this matter, it was found that XXXX had questionable debt buying practices, did not properly investigate consumer disputes, collects debts without a reasonable basis, collected time-barred debt, etc. XXXX has not provided me with any of the requested validation information or their method of calculating that I allegedy owe {$19000.00}, which is {$8100.00} in excess of the alleged {$11000.00} XXXX approximate ) original balance. I believe that XXXX has demonstrated many of the behaviors towards me that are outlined in the Consent Order and that they can not substantiate their representations. This alleged debt is time-barred and XXXX has not conducted a reasonable investigation of my dispute, despite multiple requests.
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| 07/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I've attached a copy of the police report regarding the incident, but I would also like an investigation launched into the negligent behavior at the hands of Synchrony. My ex husband fraudulantly opened two credit cards without my knowledge under my name/social a couple months prior to myself filling for divorce. During the divorce proceedings, he told me that I was simply an authorized user, and he would remove me from the cards once they were paid off. I had no reason to doubt this, seeing as I had never received any correspondence from Synchrony regarding the Ashley Furniture or Mattress Firm accounts, by mail, telephone or email. I never received any financial billing statements related to purchases made on the account, nor did I have any access to any related information. My divorce was finalized in XX/XX/XXXX, and I thought nothing of the accounts going forward as I was alluded into believing that I was just an authorized user as outlined by the attached police report. Around XX/XX/XXXX, I was checking my credit report, and I noticed these balances had increased, at which point I directly contacted Synchrony Bank via providing my social security number, and I was informed that both accounts were listed as me as the primary, with my ex husband being an authorized user on the Ashley Furniture card.
At this point, I demanded that he stopped making purchases on the cards, and pay them off. In my attempt to keep things amicable due to his poor health, he made the payments on the accounts till around XXXX, which I could see on my credit report. At this time I contacted Synchrony and asked them to put a freeze on any further purchases being made, as my ex husband had assured me that he would be paying off the cards shortly. I made the representative aware of the situation, and I was assured that he would not be able to make any further purchases without my permission.
Moving forward towards the end of XXXX, I saw on my credit report that the Ashley Furniture Credit Card had been maxed out. My ex husband told me that he had paid the accounts off, to which I called Synchrony to confirm. After I was assured the balances were XXXX, I closed both accounts. A short time after, I saw the balance reappear on my credit report, and I contacted synchrony and was information that the payment bounced. Nearly 60 % of the balance on the fraudulently opened accounts, was a direct result of the negligence behavior which allowed my ex husband to make additional purchases despite me requesting a freeze on further purchases with my social security. Even still, despite talking to many representatives, they have refused to disclose information regarding my phone calls, deliveries of the merchandise purchased fraudulently, and addresses that the purchases were delivered to. Synchrony has informed me that their own fraudulant investigation concluded no results, to which I subsequently filed a police report concerning the matter. In my experience, I continue to be gaslighted by representatives and their inability to provide me information concerning accounts that were fraudulently opened using my social security.
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| 11/28/2015 |
Yes |
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Web |
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on or about XXXX/XXXX/15 i called Walmart mastercard to find out why i had a mastercard on my regular walmart credit card account. the agent told me that they had upgraded me to a mastercard and that i could go ahead and close my walmart regular credit card account, so i did so, but before doing that i did ask the rep. when was this mastercard sent out and he told me it was sent out today XXXX/XXXX/15 and i should receive it in 7 to 10 business days. those 10 business days went by and i called and told them i had not received this new mastercard. and the rep i spoke to this time told me " i 'm sorry it was sent out yesterday '' which made it XXXX/XXXX/15 or XXXX/XXXX/15 so once i got the mastercard which was a couple of days later i called to activate the card but it would not activate, and the rep. i spoke with said " i 'm sorry XXXX your mastercard can not be activated because you closed your walmart regular credit card account, and i told the rep. at that time i was told i could go ahead and close the account. and she told me she would pass it on to another department and see what would become of it, about the time she told me that our call got droped so i call right back and this time i ask to speak directly and i mean directly with a supervisor so they connected me to one. she ask what could she help me with and i told her the whole story, and she said well you do n't have to worry now XXXX XXXX i have got your card activated, and i ask her at that time i said i want to know what my APR is on this Mastercard because none of that disclosed to me when i recieved the card, which by law you are suppose to receive, and she told me my APR was at XXXX, and i ask her will you please make sure because i will not use this card if the APR is to high and she told me " I 'm looking at it right here on my screen XXXX XXXX and it says 16.99 %. I said ok thank you and the call ended. since that day i have requested them to send me the terms and conditions on this card that include late fees APR ... .ect ... and i still have not received them. so on XXXX/XXXX/15 I called back and requested a supervisor again and they placed me with GE Capital Escalations team. that team is telling me that my APR is 20.99 % and i said no its not the supervisor i spoke with said it was at 16.99 % and she confrimed that not once but twice when i ask her. The gentleman that is in Escalations said they would have to pull that call, and if that was the case that i was told that then they would correct it. he told me i could call back in 4 or 5 days and it would all be cleared up. i waited 6 to 7 days and when i call tonight ( XXXX/XXXX/15 ) the rep would not place a supervisor on the phone and they still would not give me any information about the papers they where to send and about my APR being 16.99 % as i was told. i 've have been gave the run around over this long enough. i 've had XXXX or XXXX rep and XXXX supervisor tell me the APR is 16.99 % and i 've had about the same amount to tell me its 20.99 % ... and its not right to do a customer that helps place food on the peoples table at GE this way and it needs to STOP!!
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| 01/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Walmart has overcharged my account with debts that are not incurred by me. There are two items that I recognize XXXX XXXX adult trike picked up on XX/XX/XXXX ( due to accident my van was destroyed ) and a XXXX XXXX. Thereafter, I do not use Walmart card to purchase any clothings neither accessories. Walmart card is only to obtain vehicle related emergencies. I do not change oil at walmart neither. After the adult trike on XX/XX/XXXX and before that date I was only making payments. I have kept my credit low and limiting myself to only necessary items. Seems after XX/XX/XXXX are charges that are not my purchases. thereafter Walmart makes appear in my statements, exaggerated fees and interests over the amounts of charges that I did not incurr. I called Walmart two times. I was told that charges were going to be removed, that it was not my fault. I called to make a payment and the charges are still there the balance has reached the XXXX and walmart makes appear purchases two months after the card was reported lost. How can walmart authorize charges after a card is lost and prior to the card getting lost while not removing the overcharges neither the exaggerated interests in charges not incurred by me. I have spoken three times with Walmart supervisors and they promise to fix the problem verbally over the phone, but the account still shows overly charged. I went to deposit XXXX diollars in a blue bird card to make the payment a cashier at walmart on XX/XX/XXXX took my cash and only XXXX reflect in the bluebird card. I went to walmart, spoke with XXXX a XXXX man that claims to be the assistant manager and refused to seek for the video to place my money back in my card. Likewise, the charges in my walmart card are run by Synchronity bank. I do have the statements and have revised one by one the statements with my surprise that seems a scam the list of charges. This is traumatic for someone that has maintained a balance in my ways of using Walmart card and is obvious to see the statememnts prior to XX/XX/XXXX ( noticing that non authorizes charges are in XX/XX/XXXX as well, but I had not been aware that someone was using or charging my account. who else can use my account if not walmart itself> In regards to the cash taken from my hand, I require that walmart seeks for the video at the cashier that did not deposit the full amount but only placed XXXX out of XXXX dollars handed. This is not correct, I work so hard and I have been making payments assuming that all was correct, until I see the statements and after reporting my card lost. seems there was usage prior of the card lost. Please publish this. If I can provide the statements and actual items that I have acquired, It can serve for the public to see how I am getting hurt. I explained what items I have purchased and those are the only two last items in the XXXX that I recognize as I do have them in my possession. The rest of fees and charges in my account are not incurred by me and need to clear all. the attachments are statements since XX/XX/XXXX through XX/XX/XXXX and after the card lost walmart appears charges using the same card. How?
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| 03/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I opened a CareCredit card in XXXX. Since, I have made my payments on time. The company has promotional balances and non promotional balances. The promotional balances have due dates and if paid off early they do not collect interest.
In XX/XX/XXXX, I decided to pay on most of the non-promotional balance. However upon later discovery, they had allocated it incorrectly and in violation of the Credit Card Act of XXXX and had given me false information regarding said allocation. When I began making regular allocations in XX/XX/XXXX and discovered they were not allocating them correctly, I filed a dispute and asked for investigation. I have recorded phone calls of the customer service representatives saying they admit the XXXX payment was incorrectly applied, however it has been too long for them to correct it. They were also unable to correct any of the payments between XXXX and XX/XX/XXXX despite the fact I filed the dispute well within the timeframe and said their only option was to disperse a refund check of around {$30.00} for what I overpaid for the most recent month. However, over on the XXXX complaint, they continue to lie about how it was applied correctly and state my minimum payment was taken out of the amount, despite the fact I had already made my minimum payment for the month prior to making the allocation. They also falsely stated any amount must go to the promotional balance, although the Credit Card Act of XXXX states any amount paid over the minimum must go to the highest Interest-collecting charge unless a promotion expires in the next XXXX days ( each time I made an allocation, I did not have any expiring promotions until XX/XX/XXXX ).
I decided to go ahead and submit the full disputed non-promotional balance as well as the full amount for my next due promotion but to record the entire process to catch them if they tried it again. And sure enough, they did. On XX/XX/XXXX, I made a payment of {$2200.00}. Initially, it showed as being applied correctly. However, when the statement was generated, it was suddenly wrong again and thus I was charged interest for an amount I had already paid. I contacted customer support and they told me it was a mistake and they would correct it. Then, the day before my payment is due, I contact customer support as it is showing incorrectly, they tell me that BOTH customer service reps from before had made a mistake and allocated it incorrectly. They told me it would take up to XXXX months to correct although it has already been nearly XXXX months since the payment was made and XXXX month since the issue was noted and that this has now happened to my account multiple times. At this point, I am concerned that the company may be intentionally mis-allocating the payments of their customers in order to defraud them out of more money, and that they intentionally make the dispute resolution process difficult and lengthy so they can run out the timer on investigations.
This repeated mistake of theirs has now cost me nearly {$5000.00}. They have been made aware of it multiple times and fail to offer any real resolution, only useless apologies.
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| 04/27/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I started receiving emails that a purchase was made using my JcPenney card. I immediately called and was told there was nothing they could do while they were pending. I was then transferred to fraud and they closed the card and said they would check the transactions once they posted. I ended up receiving a letter a few weeks later that said they were just authorizations but nothing posted which was incorrect. Once of the pending transactions ended of posting for {$54.00}.
I then called back on or around XX/XX/XXXX to asked about the transaction. The offshore fraud agent I spoke to told me I was wrong and that I did the transaction and there was nothing fraud. He told me the amount owed had just been transferred from another closed card with JcPenney. I continued to explain to him what happened and that I wanted the dispute reopened or I wanted to file a dispute on the {$54.00}. He kept trying to transfer me to customer service and I told him there was no point and that I wanted to file a fraud dispute. He mumbled something and told me fine he would close the card. He did whatever he did in their system and told me it was filed. On XX/XX/XXXX I received a letter stating they closed my card, issued a new one, temporarily credited the disputed amount ( they never provided any provisional credit at all ), and notified major credit bureaus ( which they did not do either ).
I waited until XX/XX/XXXX and reached out via message on their website to inquire about the case and said my next step was to file a complaint. Instead of helping me they just forwarded my case to the office of the president or their corporate office. 10 days later, XX/XX/XXXX, I received a call from someone named XXXX XXXX who said she was handling my case. She told me she had all the info and was going to get it taken care of. I asked about the charge and it making the account past due and credit. She said once it was completed, they would take care of all that.
I have not heard a word back since that call. On XX/XX/XXXX, I called XXXX XXXX at the number she provided to me which is XXXX XXXX. I left a message asking for an update. As of today, XX/XX/XXXX I have not gotten a response. Due to the carelessness of the previous agents that I spoke to and now by XXXX XXXX, my account is showing past due 60 days, was reported to all 3 credit bureaus as past due and dropped my credit score over XXXX points. This negligence is unacceptable. They never followed through with one thing they were going to do and have now caused problems with my livelihood, my finances and my reputation. This card did not have a balance other than the fraudulent charge and had they provided provisional credit as stated, this would have never shown past due and would have never been reported to credit bureaus. On the message I left for XXXX XXXX, I asked that all fees on the account be reversed immediately, provisional credit be issued and all notifications to credit bureaus be rescinded immediately. None of this has been done. I want this charge reversed, all negatives sent to credit bureaus removed immediately and the card closed.
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| 09/30/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/2022 at approximately XXXX XXXX, I received an e-mail from XXXX that I had been issued a credit from the merchant XXXX XXXX XXXX in the amount of {$370.00}. So I login to XXXX to view my account and notice that I had received the refund in the account as noted in the recent activity. However, the balance nor the available credit had been updated yet. So I thought well this will probably be processed on to the account tonight and updated tomorrow. So the next day, XX/XX/XXXX, I login to check the status of my account and the recent and the {$370.00} was removed from the recent activity. I decided to call paypal credit to find out what was going on. I spoke to a rep that said that they never sent me an email and that the merchant did not send paypay any refund. So I ask if I should report the email as phishing to XXXX and the rep said not that to disregard it and I inquired about the refund and how it is processed and the rep could not explain it to me to my comprehension I mention if the company canceled the refund then I would need to dispute it. The rep agreed and started to process the dispute. I was told that the would issue a new account and would have to update any merchants I have recurring charges with and the balance would transferred over to the new account. The next day the XXXX XXXX XXXX XXXX XXXX to the account for {$370.00} and the balance was like XXXX XXXX and something dollars I knew that that balance was incorrect and did the math and it was additional {$370.00} that I believe to be a provisional credit that had also been posted so I called in and explained everything to a new rep who was with investigations that I was withdrawing my dispute due to the credit being posted to the account and told him all the back needed to do was remove the provisional credit and my account would be back to normal. The response was ok. About a day or two later I login to check the account to make sure everything was fix and see that my balance is {$1000.00}. Upon further review of my account, I determine that Synchrony bank had mistakenly did an additional balance transfer for {$370.00}. So I call the bank and ask to speak to a bank manager and was transferred. Upon explaining everything in full context the manager reviewed the account apologized and said it would be resolved within 48 hours. So I said thank you and waited to see. I check as instructed a few days later and had to call back in to the bank ask to speak to a manager and was transferred explained everything again and was told that I need to wait I felt that this was getting repetitive and stated that I was just going to file a complaint with CFPB because they reported the amount in question to the credit bureau I said bye to the lady and she ask if I could please hold on for a second so I said ok. I was transferred to a rude lady that stated she was a bank manager for the investigations. I told her I never asked to speak with her and very cordially explained briefly what happened she said that there was no mistake and everything is right on the account. I told her I disagreed and would pursue a different remedy.
|
| 11/21/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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I paid {$500.00} for a bed from XXXX XXXX XXXX in XX/XX/2020 with PayPal credit run by Synchrony Bank.
I called XXXX XXXX and told them to stop the shipment of the bed. They did.
It was re-routed to XXXX XXXX, Tx on XX/XX/2020.
[ XXXX XXXX Full Bed with Under Bed Drawers in Antique Grey ( Qty 1 ), was returned to your company. Delivered to Sender XX/XX/XXXX, XXXX XXXX, Delivered XXXX XXXX, TX The XXXX XXXX tracking # XXXX - The bed was received on XX/XX/XXXX XXXX XXXX At local XXXX facility XXXX XXXX, TX. ] I received an email from XXXX XXXX XXXX stating : Return Method : Drop off at XXXX FREE Refund/Replacement Estimated Value** {$480.00} XXXX XXXX XXXX stated to send it back is FREE but they are only returning {$480.00}.
I told them I want my full refund of {$500.00}, that XXXX XXXX did not deliver the bed to me and it was sent directly back to XXXX XXXX XXXX.
XXXX XXXX XXXX said as soon as they receive the bed they would refund my money. It has been sitting in the XXXX XXXX warehouse since XX/XX/2020.
XXXX XXXX XXXX are running a scam. They know if they have the bed delivered to their warehouse they will have to refund my money. They are lying to Synchrony Bank stating that I have the bed, because it shows the bed never got to their warehouse.
XXXX XXXX XXXX must have stopped its delivery back to their warehouse, because when I checked a month ago the bed was still in the XXXX XXXX XXXX XXXX facility.
XXXX XXXX XXXX said I would receive a refund on XX/XX/XXXX. I never received the refund because they stopped their bed from being shipped back to their warehouse.
XXXX XXXX XXXX kept promising to return my money but never did. Every time I spoke to them they had a different story as to why I did not return it.
THEY ARE THIEVES AND ARE RUNNING A SCAM.
I filed a complaint with Synchrony Bank.
They are either incredibly XXXX, too lazy to do their job or have been paid off by XXXX XXXX XXXX to commit fraud.
They just ruled against me and used XXXX XXXX XXXX lies to do it.
I downloaded the 2 documents they just emailed me.
I am on hold right now with these useless pieces of garbage to file another dispute.
I told the customer service rep who answered my call -- -- -- -- - 1 ) I have no bed 2 ) XXXX XXXX XXXX has the bed AND my money 3 ) They refuse to refund my money 4 ) Your company Synchrony Bank blatantly lied when they said I received the bed 5 ) I stopped delivery. The bed is in XXXX XXXX, Tx.
HOW DARE YOU RULE AGAINST ME.
The worthless supervisor said she would file another investigation. I told her I sent her the link that shows the bed is still in XXXX XXXX. She said her company would not track the bed, that it's not their job.
I told her IT IS YOUR JOB. I said all you have to do in click a link on your keyboard. You will be able to see the company is lying to you, that the bed is in XXXX XXXX and not in PA where I live. SILENCE for several seconds on her end.
She had no answer.
All the investigator had to do was hit one click on his keyboard.
This is why I think they are as corrupt as XXXX XXXX XXXX, that XXXX XXXX XXXXXXXX paid them off.
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| 11/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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Let me begin by stating that I, as the natural person is the original creditor, and credit is my RIGHT granted pursuant to 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
( g ) The term creditor refers only to a person I would like to inform the Consumer Financial Protection Bureau of the violations of this company under the Truth In Lending Act ( TILA ) & the Equal Credit Opportunity Act.
I applied for an extension of credit on XX/XX/2021 and engaged in a consumer credit transaction pursuant to 15 USC 1602 ( i ) and was denied extension of my credit by this company. This company has violated 15 USC 1681a ( k ) ( iv ( II ) & 15 USC 1691 ( d ) ( 6 ) - Adverse Action, because the action that this company took was adverse to the interest of myself, the consumer. I have included the law here for reference.
15 U.S. Code 1681a ( k ) Adverse Action.
( iv ) an action taken or determination that is ( II ) adverse to the interests of the consumer.
Let me remind this company that pursuant to 15 USC 1602 ( j ) I have an open end consumer credit plan in which I am able to contemplate repeated transactions. There is no limit to the amount of credit I am able to extend myself as the original creditor.
I contacted this company on XX/XX/2021 at XXXX EST and spoke with a representative to inform this company of their violations and to reconsider their determination of my application to prevent further concerns. I was met with harassment and further violations and this company refused to extend credit to me. I would like to further remind this company that they are in violation of 15 USC 1691 ( a ) ( 3 ) as this company has discriminated against me for my attempts to exercise my rights under 15 USC 1691- Equal Credit Opportunity and extend credit back to myself. It is discrimination for a creditor to invoke adverse action for a credit consumer transaction if that transaction was in part due to a consumer report. I have included this law here for reference 15 U.S. Code 1691 ( a ) Activities constituting discrimination ( 3 ) because the applicant has in good faith exercised any right under this chapter.
As you can see Consumer Financial Protection Bureau, This company has violated my rights as the natural person and a consumer. This company is held liable under 15 USC 1691c ( 1 ) ( A ) ( B ) and they are held liable for their discrimination and violations under the Federal Deposit Insurance Act, in addition to 15 USC 1691c ( c ) they are held liable under the Federal Trade Commission Act.
Before I continue to file for monetary damages because I, the consumer, have been mistreated by this company and they are held civilly liable under 15 USC 1691e ; I would like to hear their response in hopes that they reconsider their position.
- I have also included the letter that they sent me after my application was denied of thier violations for reference for this company Sincerely XXXX XXXX
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| 09/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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A PayPal/Synchrony Bank Card was opened in my name and without my permission or knowledge. I first became aware of this account when I received a statement in XX/XX/XXXX. I believe the account was opened sometime in XXXX based on a review of my credit report after I received the statement. I immediately telephoned the bank and notified them that this account was fraudulent. The XX/XX/XXXX statement indicated cash advances totaling {$710.00} and a payment for {$30.00}. I have not taken any cash advances or purchased any products on this account. I did not make these payments nor have I ever made any payments on this account. I requested that this account be canceled due to it being fraudulent. The account was canceled and a fraud investigation was opened by the bank. I completed and submitted a Fraud Investigation Form provided by the bank. The Form detailed 4 additional cash advances totaling {$480.00} and 2 additional payments totaling {$56.00} between the statement and the cancellation. I did not complete these cash advance transactions or make any payments. I received a letter dated XX/XX/XXXX that my fraud claim was not approved because the account had been opened for greater than a year with payment history and that I benefited from the use of the card in purchases. I replied with a letter and documentation on XX/XX/XXXX again reiterating that I was unaware of the account and did not make any cash advances or payments. In a letter dated XX/XX/XXXX from Synchrony Bank I was informed that another review was taking place. Then I received a XXXX statement indicating that my original closed account balance was transferred into a new account. I immediately called to close the new account which now had a balance of {$1200.00}. I then received a letter dated XX/XX/XXXX indicating that the fraudulent claim on the original account had been decided in my favor. At this point, I believed the matter had been resolved ; however I continued to receive statements on the new account with the transferred balance. On XX/XX/XXXX, I sent, by certified mail, documentation including the notification that the claim had been settled in my favor and again reiterating that I was unaware that the account was opened, did not make any cash advances and did not make any payments. The certified document was signed for by Synchrony Bank on XX/XX/XXXX. I received a letter dated XX/XX/XXXX indicating that a new fraud investigation was underway. I then received a letter dated XX/XX/XXXX that my claim had been denied again because I received benefits from the transactions, that I made payments and that the account was opened for more that a year. Since then I have continued to receive statements with interest and late charges added the balance is now {$1400.00}. And yet again the balance has been transferred from the account I reported as fraudulent into yet another new account. This process just keeps repeating in an unending loop. The activity ( or lack of payment ) on this new fraudulent account has now been reported to the credit bureaus and is having a significantly negative impact on my credit history.
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| 04/30/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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*Date of opening XXXX or XXXX of 2021 *Amount charged on temporary card XXXX dollars total.
*They never sent a bill/statement or actual card *They charged interest and late fees without me ever receiving a bill or the card.
*Opened a Synchrony Bank Card at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
*They put the incorrect address on the account.
*They never sent the card to me in the mail, because they failed to use the change of address paper card that the State of Maryland Provides to drivers. I provided it to the person opening the account.
*They instead used the address on the license, even though I specifically gave them the correct address and the paper change of address card.
*They put late fees and interest onto the account and I never received a bill, or a card not even through email, because they failed to put my email address in correctly.
* I had to XXXX the name of the bank that does business with XXXX XXXX and on my own make 8 different phone calls some of which they still did not do things competently.
I immediately attempted to pay the card in full with my Bank Debit Card.
The customer service representative said my debit card would not go through. I called my bank, who said that the reason the card did not work is that the Synchrony Bank representative entered in the wrong security code. So I had to call back again to explain again that their mistake was costing me time and money. I was transferred to several people and finally, they entered the card incorrectly. It was as if they did not want me to pay it off or close the card. They have been completely incompetent in my case.
I paid the card off and closed it. Because of their mistake, I was charged interest and late fees.
*They removed them, finally, but it still hit my credit report according to them.
* They have also made me call back multiple times to get the interest taken off ( They had to wait until it posted ), then they told me it did hit my credit report and offered no solution for them to fix it. Also, they are making me call back again to get the refund check of the interest.
*This is a total disregard of my time and they obviously think it is ok to make the customer suffer for the actions of their staff in the stores who do not know what they are doing. They offered no real solutions to take this off my credit or to easily fix their mistake. They impacted my time, my money, and my credit and it was all their mistake.
* They charged me without ever sending me a bill and I waited and waited until one day I had to look up the bank myself and ask them what was going on. Ridiculous! I do want this removed from my credit and I think their practices should be examined.
I still have to call them back one more time to get them to mail me my money. It is a total sham and I believe most people would have given up on this by now, but I want this off my credit. I think this is their plan, to keep your money and charge you for their mistake.
I do not know what my permanent card number was. I did not receive a card, but the last digits of my social are given in the card number section.
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| 04/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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I bought a {$2000.00} XXXX XXXX coupon in XX/XX/XXXX. On my first visit to the XXXX XXXX XXXX XXXX XXXX, I was charged to my Walmart/Synchrony Bank Mastercard the amount of {$1700.00}. The XXXX XXXX company was sent a claim for {$420.00} the same day. On XX/XX/XXXX a XXXX claim was sent in for {$1800.00}. I could never get anyone from the company to give me any clue as to why these types of charges were going through as they also charged me about {$620.00} to my XXXX XXXX account and never reported to insurance but after a couple months of complaining, they did reverse that charge. My {$2000.00} credit never seemed to get applied and in XX/XX/XXXX I was sent an email from a new employee that the doctor would not redo the start of the XXXX, as the XXXX XXXX that is XXXX into XXXX fell into my mouth at home a few days later so both the Office Manager and the Doctor said they would redo the XXXX for free. Later they decided to arbitrarily drop me as a patient, did not do any of the XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. He would only accept EMERGENCY care for the next 30 days. So, basically, I had paid {$1700.00} and received no valid services. I thought the ordeal was over but on XX/XX/XXXX a REBILL showed up on my Mastercard/SynchronyBank card for {$1700.00} again. This is an unauthorized and fraudulent transaction that Synchrony Bank has refused to remove. I have now been assigned a Special Agent for Law Enforcement for the State of North Carolina to investigate for Insurance Fraud and other criminal activities as well. Almost on a daily basis after escalating a Customer Service call four times to get to management that some of my information did not get uploaded properly the first time I disputed the XXXX charge, so I had to start over. Almost on a daily basis I sent further PROOF to Synchrony Bank. Their last letter to me from Synchrony Bank told me I had not shown 'proof of return '. I returned a fax to them that I had no idea what they meant. They also stated I could sent in additional information but gave no idea of what they needed. On almost a daily basis you can see from the secure messages, that I sent several letters a day with attachments of agreements, forms, proof of charges, proof of {$2000.00} credit XXXX coupon I had purchased. Told them the XXXX XXXX XXXX XXXX XXXX never sent me a statement, yet the agreement called for two statements a month. The Synchrony Bank manager I spoke with said that XXXX XXXX XXXX XXXX XXXX sent in over 15 pages of information to support their charges but I have been unable to get copies from the bank or the dental office. I did ask her to look at the proof and see if she noticed a notation that work could not be done unless authorized by me as they were attempting to get me to sign a one year plan of attack on my dental work for {$30000.00}. They said I had to sign the document to get any work done but I told them I could never spend that amount and I would notate on each page, which as fairly thick that authorization had to be obtained before continuing. She said she did now see that handwritten on the dental page.
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| 12/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Within the past few months Synchrony Financial has consistently been lowering my credit limits to what is owed without my knowledge! This is lowering my score since the available credit is no longer there.Those that have been paid Synchrony has closed, again without my knowledge! The mix of losing available credit and closed accounts has had a major impact on my credit score! After reviewing my credit reports I have found that Synchrony is being very unethical if not borderline Fraud in their reasoning, stating " Number of accounts with delinquency '' What accounts?
" Time since delinquency is too recent or unknown '' Because there are none!!!
" Number of inquiries was a factor in determining score '' Purchased 2 new vehicles, Dealerships are to only be counted as one inquiry!
Proportion of balances to credit limits are to high.. really, that 's what happens when you decrease ones credit limits to the balanced owed!
It won '' t allow me to attach my credit reports but here is a snapshot of my accounts Standings : XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} In good standing XXXX-XXXX Reported : XXXX XXXX, XXXX + {$3700.00} In good standing XXXX/XXXX Reported : XXXX XXXX, XXXX + {$2700.00} In good standing XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$1600.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$9000.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2100.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} In good standing XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$17.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$590.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$8200.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$2300.00} In good standing XXXX XXXX XXXX./XXXX Reported : XXXX XXXX, XXXX + {$1400.00} In good standing XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} In good standing XXXX/XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$300.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$990.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1900.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2200.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$3400.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$2800.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1800.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$650.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$1400.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$1800.00} In good standing XXXX XXXX XXXX - XXXX Reported : XXXX XXXX, XXXX + {$900.00} In good standing XXXX Reported : XXXX XXXX, XXXX Closed Gas Card XXXX Closed Veicle repair card XXXX Closed Vision and eyewear XXXX XXXX Closed Tire store where I get oil changes and service These accounts were all in good standing and Synchrony chose to close them
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| 05/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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I went to XXXX XXXX aka XXXX i n XXXX XXXX XXXX . I had a XXXX . He recommended XXXX XXXX XXXX XXXX . I then agreed to take sedation. While under sedation he and his assistant had me sign paperwork. I awoke to XXXX XXXX XXXX aka XXXX , that were beautiful and I had paid over XXXX for less than XXXX yrs ago GONE!!! In their place was some form of plastic tooth covering I was told was to be temporary crowns until he made new crowns???? I had a toothache. I did not need new crowns. I rushed out of dentist crying. Came home and immediately called Syncrony Bank aka Care Cr edit whom XXXX XXXX assistance, if not the XXXX himself said I signed my name to a form AND had me sign my current domestic partners name for almost XXXX XXXX dollars. My partners company stood behind him. The XXXX XXXX . And Syncrony tol d me they would stand behind me immediately and NOT disburse any monies to XXXX XXXX . I found out very quickly that this was NOT the case! They not only did n't stand behind me, they took the word of the XXXX assistant whom was not even in the room with me, that I am aware of. As I had never seen her prior to my concerns about getting reimbursed. I have both before and after pictures. I had to go to another XXXX and pay another XXXX JUST to get some of it straightened. It has now been a year. I am at yet ANOTHER XXXX whom was aghast as he had done the original work. I am now being asked to pay XXXX JUST for the XXXX XXXX had RUINED ... that is not to include the additional XXXX for the gums that he devasted when he XXXX over XXXX of my XXXX XXXX for the sole XXXX XXXX I originally went to him for. I was in extreme pain and he was a walk away is the only reason I went there originally. I have ALL the paper work AND pictures. Care Credit has RUINED my credit score. I W AS XXXX ... I am currently XXXX , and declining ... ALL over ONLY this care credit . Syncrony o wns SEVERAL other CC that I hold and have NEVER paid late, but they have diminished my credit limit on the other cards also for NO reason. As my other CC have ALL increased due to my payment history. They along with the XXXX have mad e my life miserable. So miserable I have contemplated bankruptcy ... .or??? I have a PERFECT payment history with MANY accounts currently open. I am UNABLE to get further funding to FIX my mouth that XXXX XXXX demolished. IF you look @ XXXX , you will SEE I am not alone. I want to file a law suit and am going to contact the other ( what appears to be ALL women ) he has done this to. He would not allow my partner in the room with me whom is a man. There is just so much shady and I am aghast that MY CC company would not stand behind me. I have NEVER been through such an ordeal I need someone to please pay attention to this tragedy and assist me to assist myself, as well as perhaps a few other woman who have been harmed by this " so-called '' XXXX XXXX . I appreciate in advance any attention and time given to this matter. Thank you XXXX XXXX XXXX
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| 12/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Purchased a XXXX XXXX computer online in XX/XX/2022 and used Synchrony/Paypal to finance at 0 % interest for twelve months with a required monthly minimum payment. 1st payment required in XXXX 2022. I have other shorter term 0 % promotional balances as well which will be required to be paid off before the 12 month promotional balance. I have additional non-promotional balances that occur monthly as well.
In calculating my monthly payment it always includes an adequate amount to completely cover any monthly non-promotional charges. Payments for shorter term 0 % promotional balances are calculated according to the remaining balance and the time remaining on the promotion to assure the balance will be paid off prior to the expiration of the term of the promotion, while fully utilizing the term of the promotion to minimize the required payment monthly.
The remaining 12 month promotion minimum payment is also included in the total monthly payment.
Each monthly payment is calculated to meet the terms of financing agreed to at the time of each transaction.
Since the transaction in XXXX for the XXXX computer with financing terms of 0 % interest over 12 months with a required minimum monthly payment, a period requiring 3 minimum monthly payments to be made, an amount nearly XXXX times that of the required minimum monthly payment has been applied to the 12 month promotional balance effectively reducing the promotional term to 5 months instead of 12 months. I did not agree to this financing term when I made the purchase.
Synchrony is deliberately utilizing misapplication of payments to increase the likelihood that consumers will not be able to meet the increased payments required to then satisfy the terms of the shorter term financing agreements. Misapplication of payments that prematurely satisfy longer term financing plans that should have been applied to the shorter term financing plans that are due to expire before longer term financing plans expire can then result in consumers needlessly incurring deferred interest charges. This is an attempt at fraud, " wrongful or criminal deception intended to result in financial or personal gain ''.
I have addressed this with Synchrony Bank representatives on multiple occasions. I am told that it takes 1-2 billing cycles to appropriately reallocate the payments that were received in such a way to comply with the terms I agreed to at the time the purchases were made. This will result in requiring me to make much higher monthly payments to avoid deferred interest charges on the remaining shorter term promotional balances.
I have encountered similar misapplication of payments with Synchrony/Amazon financing plans as well. It is not an isolated incident but appears to be established practice at Synchrony.
Payment allocation is done according to instructions that are programmed into a computer. This is premeditated attempted fraud by design. The CFPB should do something about it. I shouldn't have to call the bank to assure they are not trying to defraud me by deliberately misapplying timely payments in an effort to charge interest.
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| 05/22/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2021 via Priority Express mail number XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Synchrony Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Synchrony Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Synchrony Bank sent me emails and statements that I did not directly consent to and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Synchrony Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Synchrony Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Synchrony Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Synchrony Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
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| 08/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I will provide only one instance ( XXXX ) of three cases of fraud that have occurred with my XXXX XXXX card issued by XXXX XXXX since its issuance in XXXX. In two cases, it involved charges by merchants that I had cancelled services ( XXXX and XXXX XXXX XXXX ) ; in the third it involved breach in data security which allowed someone to use my Synchrony Account to make purchase on East Coast. XXXX XXXX has failed to comply with FCRA, 18 U.S.C. 1681s-2 by failing to correct errors in my credit report, failure provide cardholder agreement, and by initiating reprisals for my filing disputes and fraud claims with XXXX XXXX who provided inaccurate and incomplete payment information to the Credit Bureaus. The following provides chronology of dispute with XXXX and my reporting to XXXX XXXX : 1. OnXX/XX/XXXX, emailed XXXX ( 2 pgs. ), and cancelled subscription service. 2. On XX/XX/XXXX, called XXXX, spoke XXXX XXXX, CSR with XXXX XXXX, about having cancelled my service with XXXX onXX/XX/XXXX : a. Informed hadnt received service approx. month ; b. Programming was pixilating and dropping out ; c. Didnt have access to full range of programming was paying ( certain networks couldnt be accessed ). 3. Advised XXXX XXXX to annotate my account that I wanted copy of card holder agreement ; and legal documentation of her statement that consumers couldnt cancel a merchant whom they had recurring service. I then asked XXXX XXXX to repeat back what I had said, and she hadnt put any of it in her database. So, I told her again the exact words to put into her system and documentation I expected to be mailed to me ( see Conversation of Record, XXXX XXXX, XXXX XXXX dated XX/XX/XXXX. I never received any card holder agreement and legal information requested. 4. OnXX/XX/XXXX, mailed 2 letters to XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX, Certified Mail # XXXX XXXX XXXX XXXX XXXX, indicating merchant XXXX was continuing process debit transactions against my card after my cancellation. Additionally, XXXX XXXX had not provided me copy of cardholder agreement and legal citation to support their failure to cancel merchant ability process transactions after notification of problems and cancellation of service. a. Voided any business dealing with XXXX ; b. Demanding credit for {$87.00} dollars for transactions processed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 5. On XX/XX/XXXX, called XXXX, spoke XXXX ; transferred Fraud Department and spoke XXXX about putting Fraud Alert on my account as had been having many problems with transactions on account. She indicated that she would start a fraud file in their database. 6. On XX/XX/XXXX and XX/XX/XXXX, notified XXXX ( XXXX said put 90-day fraud alert on account and would mail me my rights ( never received ) ; and said they must contact other Credit Bureau by law ) to place Fraud Alerts on my files. Also notified XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to place Fraud Alerts on my accounts. 7. Have disputed the record of account with XXXX XXXX to credit Bureaus and they have failed to correct inaccurate and incomplete information provided Credit Bureaus.
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| 03/26/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Managing, opening, or closing your mobile wallet account
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Web |
Servicemember |
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XX/XX/XXXX On XX/XX/XXXX, I contracted XXXX in a phone conversation, to write a 55-page essay for me in the amount of {$580.00}, Title : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX specifed a finish date that they would be done with the project. When the deadline was up, they had only done 12 pages of the agreed-upon 55 pages. Enclosed is a PDF attachment of the correspondences with XXXX and what transpired doing the time they were working on the essay. When they failed to meet the agreed upon dead-line date, I requested a refund in the full amount of {$580.00}, to be refunded back to my PayPal account, in which they did not comply.
Why would Paypal pay someone the full amount for a project, when they have not started working on the project? They should check with people in question as to how the project is going. There is a scam report enclosed in the document correspondences from other people that was dissatisfied with their work. I have not received payment to my PayPal account for services that were not rendered on XX/XX/XXXX. It was imperative that this matter was to received their immediate attention.
When they refused to return the money to my Paypal account, I called Paypal and put in a dispute against XXXX. Shortly after I filed the dispute, I get an email from PayPal stating my dispute had been denied and that I was responsible for the {$580.00}. I spoke with the people in the dispute department at PayPal and I appealed the payment that was due and they told me that I had 24 weeks to pay the balance or they would turn it over to a collection agent. Since that time about ten weeks have passed, they have started charging me late fees for not making payments on the unpaid balance.
I wrote a letter to PayPal corporate headquarters and specified in detail what had transpired and hoping that they would step in to get this resolved. I requested that they send a letter back to me in the mail stating their findings. I never heard anything back from them. I also, wrote a letter to PayPal dispute department requesting the correspondence that XXXX sent to them, from an email sent to me from Paypal on XX/XX/XXXX so I would have a general idea of why they decided to deny my dispute. I never heard back from them.
It was my understanding that since they gave me the 24 weeks to pay the account off, there would be no late fees. Is it lawful for them to do this? All I ever wanted to do from day one, was to get this matter resolved and get it behind me. PayPal have been my payment method since XXXX, and I have never run into a problem when XXXX was associated with them.
There is something that dont hold true in this email from PayPal dated XX/XX/XXXX and XX/XX/XXXX. On the email dated XX/XX/XXXX where it states ( next steps ) and the one dated XX/XX/XXXX where it states ( Hello XXXX XXXX ) please see if you can make something from the dates that they were sent to me. Please read the PDF format correspondences that I had with XXXX and PayPal and it will give you a better overview of what has transpired. Hopefully, with your help I can get this matter resolved and behind me.
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| 10/17/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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My ex-girlfriend explained to me she wanted to build her credit and had opened a credit card with Synchrony Bank who administers Care Credit for XXXX and health related charges. She told me she had listed me as an authorized user on the account and asked me to charge my XXXX on her card and pay her directly for the charges. This way she could build her credit rating which was poor.
I agreed and had XXXX performed and paid her several thousand dollars for those procedures believing it was her card alone and she was paying down the card as the charges came in. In reality, I later discovered she was only paying the minimum monthly payment and leaving the balance in full which was accruing at an interest rate of a usurious 29 percent!
After separating from her I asked my dentist if I could open my own care credit account. To my shock, they stated that I already had an account open and that I owed over XXXX dollars on it! Evidently, the card she opened on line listed me as a cosigner, not an authorized user. I was never informed of this. I immediately called my ex-girlfriend infuriated and demanded an explanation. She stated that she had never listed me as a cosigner, only listing me as an authorized use. I called Synchrony Bank and told them I was not a cosigner. Synchrony Bank stated I was listed as a cosigner via an online application. I told Synchrony to give me the account number and send me statements of the card and they refused to do so unless I changed the address for billing. I called my ex back and told her I would close the account and she stated if I did so she would never make any payments on it again and then balance was over XXXX dollars at the time. She stated if I changed the account in any manner she would default leaving me the full debt. Synchrony stated I could close the account if I chose to however she stated that if I changed the address or closed the account she would default. She always maintained the account was her account and not mine and I had no right to change anything on the account!
So, either Synchrony Bank has taken my information from an online application and changed me from a authorized user to a cosigner or the ex-girlfriend listed me as a cosigner not an authorized user without my consent. Either way I am a victim of identity theft and fraud.
Synchrony bank refuses to release any documentation of the account to me including the account number unless I change the primary address on the account. I explained to them my ex threatens to default completely on the debt if I change the address. Synchrony bank continues to deny me any documentation although they have been informed of the consequences if I change the address. Synchrony bank claims it can not send out statements to me without removing my ex-girlfriends address from their billing list. I find that claim to be ridiculous in light of the circumstances. I believe Synchrony Bank has ulterior motives to get me to change the primary address to myself and this is why they refuse to send statements to XXXX addresses. Thus, I have no documentation or even an account number to file.
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| 11/17/2015 |
Yes |
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Web |
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In XXXX, I had a XXXX and went to see a dentist who told me that I needed to have at least XXXX would continue to come back. The dentist told me that the cost of the procedure would be {$1500.00} copay. I could not afford to pay that so I went to see another dentist XXXX. XX/XX/XXXX I went to another dentist XXXX and was quoted {$1200.00} for the same problem including XXXX. I told them that I did not have the copay of {$1200.00} but i wanted to have my XXXX. The doctor sent to me receptionist who told me that a company called care credit can offer me a credit card to cover the cost. I agreed to the terms because the receptionist explained that the company does not charge any interest if I pay the balance in 12 months but they charge interest during the course of the year which will be returned to me if I pay the card in full. I signed the paperwork and had the procedure done. The dentist ended up removing XXXX because she found problems with more XXXX. My son who is in school needed to have his XXXX. the dentist said he would benefit from XXXX which cost {$800.00} copay. The receptionist told me that care credit had agreed to increase my credit limit to {$2500.00}. I was paying the credit card monthly with late fees assessed at times until XX/XX/XXXX. XX/XX/XXXX I called care credit to ask how much I needed to pay off the account. They told that I owed {$2500.00}. When I asked them if I was going to get a refund of the interest that I had paid they told me that I was not eligible for any interest. I decided to make payments to my insurance so that I could pay care credit off the following month. When I called to pay off the {$2500.00} they told me that they had added {$400.00} plus at the end of XXXX for the initial credit and that they had another {$440.00} in XXXX for the second account. They refused to accept a settlement of {$2500.00} at the end of XXXX citing that even if I pay {$2500.00} the interest will continue to accrue. It is then that I paid {$320.00} to cover the balance due while I discuss with customer services how the deferred interest was explained in a different way to me by the receptionist at the doctor 's office. I exhausted all the avenues of negotiating with the managers who all told me that the information I received was wrong.I then called your office after reading about care credit on the internet. I told care credit to stop calling me because I was getting legal services to handle the case. In the meantime I asked them to send me the previous statements so I can submit them to your company. The following month when I was trying to make a payment I was told that my monthly payments had gone up from {$94.00} to {$150.00} because my new balance was {$3500.00}. This has greatly affected my credit score and its impacting my daily life as I can not apply for credit as long as this issue is unresolved.
I can not afford to pay this much amount as I am in school and I also feel that the company is fraud. They did not explain to me how their care credit deferred interest works until this year. If I knew about this I would not have taken the credit.
|
| 04/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
A couple months, around XXXX of 2022 I went to check XXXX of my Synchrony accounts like I normally do and I noticed that this particular store charge account had been closed, I checked another and it was closed so I checked all of them and they had closed every single one of my accounts I had with them. They were all open and current the day before and the next day all XXXX of my accounts with them were closed for no valid reason at all. I was totally current and up to date with every payment, there was not XXXX of my accounts that ever had a late payment or anywhere close to being maxed out. In fact I had a couple of cards that were paid completely off previously. I always requested credit limit raises because it increases my overall available credit which brings my credit usage down and improves my score. I called Synchrony in XXXX to ask why they had closed my accounts and was advised that my actions of requesting credit limit raises was indicative of someone who plans on not paying off their debts. I was completely speechless as I have never been late on any payments with them or any creditors and not XXXX of my cards was even remotely close to being maxed to the limit. I am still currently paying off some Synchrony card balances and still have not missed XXXX payment. I decided to let it go and just reapply for a few of the cards at a later time. I wait until around mid XXXX of 2022 and reapplied for the XXXX XXXX card because I have XXXX cellular service and this saved a little money having it. I submit my application and was quite surprised to see it say that my application was submitted and I would receive a letter in the mail or an email with their decision. I could not understand how they looked at my application yet my credit report was not pulled. I monitor all three credit bureaus very closely and see even the slightest changes, but there were no inquiries from Synchrony. I was completely baffled so I tried to apply for another card I used to have that was closed and received the exact same result. I tried for another card that had been closed by Synchrony and same result and no inquiry on my credit report. I received emails about a week later with what I assumed was their reasons for denying my applications but could not even open them for some reason. I received XXXX letter in the mail for XXXX of the cards I applied for, it was the XXXX 's card application and the only reason stated on that letter for denial was that I recently had an account that was closed. I could not believe what they were doing to someone that was never late on any payments or even close to a maxed out account. I decided to try again at a later time and hope for a different outcome. Today is XX/XX/2022 and I applied once more online for the XXXX XXXX and received the same result. After applying, the letter said thank you for applying, you will receive a letter with our decision. There was not an inquiry on my credit report once again. I feel like they've black listed me. They just automatically deny me without so much as an inquiry into my credit and base their decision on that.
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| 05/20/2015 |
Yes |
|
- Application processing delay
|
|
Web |
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went online and applied for a BP Credit Card and when I got to the end of the credit card application I received an immediate response stating " In order to complete your application you must call XXXX within XXXX hours to complete your application. '' If we do not hear from you within 7 to 10 days then you will receive a letter from us. I called and it about XXXX Est standard time and a female representative came to the phone and said that my application would have to be done manually so she takes all my information including me disclosing my social, birthdate, address, income and then gets to the very end she comes back and says that she is going to have to transfer me to another department and I asked her what the problem was and she says that she can not disclose that information to me due to the privacy act. So I get transferred and another female rep comes to the phone and says that she can assist me and explains that they are having trouble with their computers, so here we go again and she takes my information XXXX again and I ahve to disclose all my personal inforamtion and when she gets to the bottom of the app she says I am going to ahve to transfer you to a specialty department and I ask her what the problem is and she states to protect the privacy of the applicant, she can not disclose that information and I have to be transferred to a specialty department so someone can speak to me to disclose what the problem is. XXXX I had to disclose my personal information and now they just accused me of stealing my own identity. I told her I wanted her name so that I could get to the bottom of the matter or either she could disclose to me what the problem is and she continues to apologize but due to the nature fo the call she has to transfer me to a specialty department if I want the information disclosed. I finally ask her once more she has a choice and basically refuses to give me her name and tells me that due to the nature of the call that there is a possibility, I am not who I say I am and I would need to speak with the specialty department so further action and attempt of verification could be dealt with. I have never been accused of such in all my life and I told her so and I also told her to cancel the application so it would not be recorded on my credit bureau report. Well they recorded it anyway to my credit Bureau report but that is not an issue but I feel that I should not be treated like a criminal. I still do not understand what all the big deal is and I am embarrased to know that I was basically accused of stealing my own identity. I should not ahve had to go thru the process all over and she should not have told me that could take of it until I was in the correct department and she would not offer to even get her supervisor on the phone which she kept me tied up for 1 1/2 hours. The reference # was XXXX I think this issue needs to be addressed so other good creditors do n't get treated like I did. They should have to pay me XXXX for my humiliation and phone time. This is not the XXXX time that I have went thru this with them but it will be the last.
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| 12/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022 I received a text alert that my card was used for a purchase at XXXX for {$100.00}. I immediately called ( on XX/XX/2022 ) and reported the charge as fraud. I spent well over an hour, confirming that I still had the card and I did not make any purchases. Prior to the fraud, card had a XXXX balance. The representative told me that he filed a fraud report ( have screen shots of chat ) and that I wouldn't be responsible for the bill pending investigation and that the card had been cancelled and a new card would be recieved within ten days. On XX/XX/2022, I received another text stating my bill was due. I called again ( on XX/XX/2022 ), after finally getting to a XXXX in the fraud department which took another hour, I was told that the representative I spoke to in my first call didn't actually file a fraud claim and instead listed my call as a lost card. I informed the XXXX that I never recieved a new card and the sent a new one via XXXX. I was unable to login to my account between XX/XX/2022 and XX/XX/2022 due to not having the new card. On XX/XX/2022, I recieved another text message that my account was now deliquent and would be reported to credit agencies. I once again called and spent almost two hours on th phone and was transferred to 4 different representatives. I was told that there was nothing they could do because they have 30-60 days to determine the outcome of my fraud claim which they said began on XX/XX/2022. Not the XX/XX/2022 date of when it was initially reported. This gave the company an additional 30 + days with no recourse for me. The credit card company has now added the fraudulant charge TWICE to my account along with late fees and interest. The bill is now {$230.00}. When I spoke to the XXXX on XX/XX/2022 I was told that they had to add the fraud charge to my account twice and I would know within 60 days if they agreed this was a fraudulant charge. I informed them that I filed the claim on XX/XX/2022 and have proof that I said it was fraud. They said there is nothing they can do about that and that if they decide in my favor I won't be responsible for the charge. No one could explain why the fraud charge was added to my account twice - once on XX/XX/XXXX and again on XX/XX/XXXX. I have no history of XXXX charges and I can no longer see the initial fraudulant charge because when they send you a new card- you are required to create a new account and do not have the history to your previous account. I have spent 5 hours between three phone calls while this company continues to add charges, fees and interest and provides no insight or assistance into what is happening on my account in my name. They have reported this balance to the credit agencies. I have never seen a credit card company act in this manner. ALL OF MY CARDS ARE PAID IN FULL EVERY MONTH and I value my credit. This card, opened at a XXXX 's XXXX many years ago was for a promotional membership and has a credit limit of {$300.00}. This is now appearing as a " high balance '' ratio on my credit score since they've added the fraud chargetwice along with late fees and interest.
|
| 07/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXXXXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB CARE CREDIT XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 10/12/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
I received an email from what appeared to be XXXX in XX/XX/2023. This was not unusual as I am a frequent shopper and an XXXX XXXX card holder which allows me to discounts etc. The email looked legitimate to me.
The message congratulated me for being a loyal customer and I was chosen to participate in a Loyalty Program to receive a free prize. I opened the email and the prize was a portable blender and juicer and all I had to do was to pay shipping cost of {$5.00}. I paid the shipping cost on my Belk MasterCard managed by Synchrony Bank. I was shocked when my Belk statement arrived as there were 2 charges on it that I DID NOT authorize. I immediately called the phone numbers listed on the statement to refute the charges. I was successful in contacting one of the companies which charged me for pictures taken at an airport. After threatening them with a complaint to the XXXX and the Attorney Generals office they removed the charge.
I was not successful with the second charge of {$82.00} made to XXXX XXXX. The phone number on the statement was disconnected. I then called Synchrony Bank to dispute the charge that I did not authorize. They assured me that they would investigate. I assumed that they would remove the disputed charge. I was shocked when Synchrony bank sent me an email that stated they would not remove the disputed charge because I used my card to pay shipping on the free gift. I asked for proof that they investigated the disputed charge. They refused to provide me any evidence including the phone number and address of XXXX XXXX which led me to believe there was NO investigation. I filed a XXXX complaint on XXXX XXXX and my reply was that XXXX XXXX was no longer in business.
I have had a Belk credit card for over 37 years and use it very frequently and I have never refused to pay my balance. I simply refuse to pay the fraudulent charge and now Im being harassed by Synchrony Bank calling me several times a day and believe it or not on Sunday mornings. I have called Belk Corporate office to voice my complaint. After many tries I spoke to a person, I was in tears explaining to her how I was defrauded. She reported it and I would receive a call within a week, which has not happened. I have canceled my Belk credit card and currently dont expect to ever carry one again.
Synchrony Bank has also taken away my privilege of free shipping for Belk customers who charge {$1000.00} or more a year. I spent {$1000.00} in the first 3 months of this year!
My credit score has dropped from XXXX to XXXX, however my score is exceptional as I pay the balance of all credit cards in full every month.
I also received an email from XXXX XXXX, which is also managed by XXXX, offering again a free gift. The difference is I used my XXXX XXXX who recognized I was scammed and didnt charge my card a dime. Shortly after my dispute I received an email that said we were late paying our XXXX credit card, we did not receive a statement in the mail at all so we didnt even realize there was a payment due. Amazing how the timing of the missing statement coincided with my dispute with XXXX.
|
| 08/25/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX Telephone : ( XXXX ) XXXX Email : XXXX According our contractual agreement the consumer had to sign for furniture, although a tracking number was provided the web site did not give specifics on an actual date or time of delivery making it impossible for the consumer to be present.
On Tuesday, XX/XX/2020, I received an email alert from XXXX XXXX XXXX, stating a shipment had been delivered. I immediately notified XXXX XXXX XXXX XXXX I was denied an opportunity to be presence when the shipment arrived, asked who authorized receipt and signed accepting the delivery.
XXXX XXXX XXXX XXXX ( XXXX ) said she would reach out to their carrier and get back in touch. I waited and never received a follow-up/call-back. I also alerted XXXX XXXX XXXX XXXX that damages appeared on outside packages therefore, I would not take receipt to make arrangements to pick up the merchandise.
On Thursday, XX/XX/2020, I placed another telephone call and was told XXXX XXXX, XXXX, obtain my signature, and XXXX XXXX XXXXXXXX XXXX had a copy of a sign invoice showing XXXX XXXX signed accepting delivery which was impossible because I was not in the area when the delivery was made.
I requested a copy of the shipping invoice showing my signature and alerted XXXX XXXX XXXX XXXX this was a fraudulent transaction. I did not take receipt or signed for accepting the shipment and went a step further and ensured that nobody in my household took receipt signed a shipping invoice or authorized XXXX XXXX XXXX to leave the shipment without my consent or signature.
Instead of their customer service representative providing a copy of the requested shipping invoice he referred to me as a criminal, said due to my XXXX XXXX, if I took legal action no one would side with me on this issue, which was one of the most unprofessional things I ever heard out the mouth of an employee and so wrong I do not have any records other than legal success stories.
I informed their employee that not only would my home surveillance show XXXX XXXX XXXX, delivered damaged merchandise, it also reveals no signature was obtained the delivery carrier took a picture and left the premises in attempt to force the consumer to accept damage goods and make it the consumers responsibility to return said goods.
I also informed your employee this was unacceptable on many levels, and had no problem with taking legal action against all parties involved in any fraudulent transactions or defamatory statements made during the course of doing business, to pick up their shipment, I am not accepting receipt due to the breach of contract/damages and it created barriers for my neighbors/family with disabilities.
To date. I had not heard back from their organization in regards to this matter nor has a credit appeared on my account showing an adjustment for the charges. Synchrony Home was offered a chance to view video evidence and refused to accept this evidence and speed up the process enabling this fraduent practice to continue.
|
| 05/26/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
Hello, My complaint is against XXXX 's XXXX XXXX store which managed by Synchrony Bank.
The address for their office is : XXXX/Synchrony Bank XXXX XXXX XXXX , GA XXXX Their services are out dated, their customer service associates and supervisors do not know their job very well, and they ask the customer to be responsible for their mistakes.
On XX/XX/XXXX I received an Email saying, that they tried to contact me throw my physical address ( by mail ) but they been informed that the information wasn't delivered.
I called Their customer service, and told them about the letter I had received in my Email, ( That, they having problem to get in contact with me by Mail, but the customer service lady insisted that the problem is not with the physical Mail, and it is with the Electronic mail ( Email ). I told her " how come you saying the problem is with the email, and I received the letter by Email, and she couldn't answer.
So I asked her to send me the statement by physical mail. This customer service lady never documented the issue, or our conversation in the computer, so other representative will read it.
This Call was made to phone # XXXX XXXX XXXX and last 9 minutes.
Passed a week and I didn't receive my statement to pay it, and the Due date is XX/XX/XXXX. So I called them on XX/XX/XXXX at XXXX XXXX one more time on the same phone # and told them about the issue and the email I had received, and asked them to check if the lady that talked to me before had reported anything in the computer, and the answer was NO, so I asked to talk to supervisor, but the supervisor was more lazy than the associate.
I asked her to listen to the conversation from XX/XX/XXXX, but she never did, so I asked her to send me the statement so I can pay it before the Due date but she never did.
I made one more call to the same phone # on XX/XX/XXXX at XXXX XXXX for 15 minutes, and asked for the statement, because there was only 3 days left to the DUE DATE, they refused to deliver it over night, and they said the can't deliver it by email, and it takes them 7-14 Days to deliver the statement ( because the still delivering their mail using Donkeys and not the 2018 or 21st century mail service ) and they can't send it by email, only by Fax because their service is out dated and old fashion, and I need to be responsible for their mistakes.
Last call was made one day before the DUE DATE, on XX/XX/XXXX on XXXX and I still didn't receive my statement.
This isn't my first time issue with this card, few months ago on XX/XX/XXXX and XX/XX/XXXX I had made a payment toward the statement balance in the store, and the Cashier who processed the payment, she put it under purchase, it means that she charged me instead crediting me, so when I got my statement I noticed that, so I made a call to Synchrony Bank and XXXX 's XXXX XXXX to fix the problem, and they said they can't do anything, and that I need to go the physical store and loose time to fix their mistake, ( This is why I say that their service is out dated, and old fashion, that doesn't apply to the 2018 and 21 century ).
Regards
|
| 08/05/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have a Lowes Store credit card by Sychrony bank. I have spoken to the bank regarding the below issue on several occasions but they keep declining to correct my statement balance to the correct one. I have sent them the below math calculation showing what should be on the account but with no effect.
I bought at the XXXX XXXX MA store # XXXX a back-ordered refrigerator in the amount of {$1000.00} on XX/XX/XXXX. See the highlighted entry on the statement. Note my beginning balance on the XXXX statement was XXXX. I bought the fridge at XXXX plus some other items for XXXX and interest charge of XXXX and my ending balance was XXXX. This was correct at this point.
XXXX Beginning Balance {$2700.00} Disputed fridge purchase {$1000.00} Other purchases and credits ( {$2.00} ) XXXX Ending Balance {$3800.00} See attached statement- CORRECT In XXXX, I made a payment to the credit card of {$270.00} ( net interest charge of {$30.00} ) and my ending balance was {$3600.00}. This was correct also.
XXXX Beginning Balance {$3800.00} Payment ( {$270.00} ) Interest {$30.00} XXXX Ending Balance {$3600.00} CORRECT In XX/XX/XXXX, the refrigerator I had ordered in XXXX was not delivered yet ( remember it was back-ordered ). I went back to the store ( XXXX at XXXX, store # XXXX ) on XX/XX/XXXX and requested that this fridge order be cancelled. I attach herewith a copy of the return receipt ( Backup # B ). On that day, XX/XX/XXXX, the return was entered into my statement as a credit with a transaction date of XX/XX/XXXX and post date of XX/XX/XXXX, but for whatever reason, the original entry of XX/XX/XXXX ( same details as on the XXXX statement ) was also entered on the statement as a debit with a post date of XX/XX/XXXX. Meaning, the return was just a wash, a credit and a debit, no effect on the statement. NOTE THAT THE BEGINNING BAL IN XXXX STILL INCLUDED THE ORIGINAL PURCHASE OF XX/XX/XXXX. That same day, I ordered a new fridge that was available at the store for {$900.00}. Even though I made the return, my statement balance was not adjusted to remove the XXXX original purchase because in XXXX it was entered in and out, having a zero effect on the statement. Please note this math XXXX XXXX. ( XXXX Statement Backup # C ) XX/XX/XXXX WHAT IS THE STATEMENT RIGHT NOW- INCORRECT Beginning Balance {$3600.00} Disputed Fridge return ( {$1000.00} ) *1 Disputed XXXX CHARGED AGAIN {$1000.00} *2 New XXXX {$900.00} Other credits +Interest ( {$57.00} ) XXXX Ending Bal- INCORRECT {$4400.00} The correct entry on the statement for XXXX should have been : XXXX TO BE CORRECTED Beginning Balance {$3600.00} Disputed Fridge return ( {$1000.00} ) This amount in XXXX above should not have been charged back in XXXX since it was already charged on the XXXX XXXX It should be removed. My correct balance as at end of XXXX should have been {$3300.00} New Fridge {$900.00} Other credits +Interest ( {$57.00} ) CORRECT XXXX Ending Bal {$3300.00} I have spoken to the bank several times on this, but they keep declining to correct my statement balance to the correct one by removing the extra charge in the XXXX statement.
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I see this company on my credit report and its causing damage to me and my family members. I never opted in to have my information shared.
" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15\nUSC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 08/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.govXXXX Fair Debt Collection Practices Act : https : //www.ftc.govXXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB/XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within XXXX as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXXXXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SYNCB/ASHHOM c/o XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 03/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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In XX/XX/XXXX I discovered that on XX/XX/XXXX a charge had been made on my Visa card for {$540.00}. I am the person who constantly checks her account to make sure all my charges match with my purchases and I knew that I did not make this purchase. I still had my card in my wallet and I am the only person with this card. I had not given out my card # to anyone else.
I immediately called the bank holding my card as I had never experienced anything like this before. They directed me to security and proceeded to go through security procedures - they had me take a photo of myself and send it to them, put me through questions, and cancelled the card and sent me a new one. They reassured me that it was all right and all taken care of. I thought that was it. They never told me I had to fill out paperwork or directed me to do anything else.
So imagine my surprise when the charge showed back up on my credit card statement at XXXX - XX/XX/XXXX. I was so confused - 3 months had gone by.
I called them immediately because I thought some kind of mistake had been made, and that is when they told me that my claim had been denied ( nothing came in the mail etc ... ).
I was flabbergasted. I told them again I did not make that charge and they asked if I had anything else to add, which I didn't. What could I add? I knew nothing. So I filed a new complaint over the phone. They again took the charge off my account but by XXXX they sent me a new denial letter in my e-mail ( I had to look for it in my junk email ).
I opened up another complaint and asked to be sent formal paperwork and the guy I talked to said, " Why? you owe this, we have proof. We have something you signed and and IP # ''. I told him that was impossible because I didn't make the charge and it did not exist. He said it did. So I asked him to send me a copy and he refused.
Now I understood that they were not going to stand behind me, the customer. So I found the email of the place that was listed on my bill ( a foundation/mission ). I got ahold of the director and response back from him on XX/XX/XXXX. He proceeded to tell me that there had been many false charges exactly like mine in XXXX and XX/XX/XXXX and they had had to get the County Attorneys office involved, as well as an investigator. They had come to the conclusion that someone made a fraudulent charge with my # ( and all the other victims # 's ) to their own " fake '' account set up in the missions name.
He said my claim was the only one he knew of that had been denied.
I re-opened the claim and sent the credit card company a copy of the email, the directors name, and the information he had given me. On XX/XX/XXXX my claim was again denied. Unbelievable.
So here I am disputing the claim again. I've already sent them info on the Bogus company, stolen #, attorneys and investigators, info on getting in touch with the director. What more can I add. If there is evidence against me I now know that by law they have to send me that proof so I can see If I need a lawyer for the almost 8 months of suffering through this nonsense and the anxiety it has caused.
|
| 05/19/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I went to the QVC website on XX/XX/XXXX to look at make up. There was a banner ad on the website stating that if you open a credit card and make a purchase within the week time span you would get {$20.00} credited to you.
I clicked the banner ad and applied. I was approved for the card and made a purchase right away.
I never seen the credit in my bank statement. I called Synchrony Bank which issues the card. They told me the credit is handled through QVC.
I contacted QVC around the week of XX/XX/XXXX. They told me they seen the promotion but that its the 6-8 week time frame, after that passes I will see a credit to my QVC account of {$20.00} which I can apply towards a purchase.
I miscounted weeks and still didnt see the credit around XX/XX/XXXX. I contacted QVC once again and they informed me it wasnt quite the 6-8 weeks yet and to just hold out a little longer and the credit would appear by the following week.
The following week, on XX/XX/XXXX I reach out to QVC because it still isnt there. The rep that I spoke with apologized, credited it to my account and told me it was ready to use.
Come yesterday XX/XX/XXXX, I went to purchase something and there was no credit in my account for the {$20.00}.
I once again contacted QVC who told me they see where the rep credited me {$20.00} on XX/XX/XXXX but that the finance department took it back because Synchrony Bank states that I opened the card prior to XX/XX/XXXX and it didnt qualify for the promotion.
I clicked on the promotional banner, applied, and purchased my item all in one website visit. If not in one visit it was definitely by the next day. But either way I know that I clicked the banner about the promotion and applied right through the banner link. It said that you had I believe around 5 days to purchase the product.
I worked in banking for five years, I know how the promos work, how they can be very specific. I make sure to read all and follow.
At this point Im pretty annoyed.
They gave me a {$20.00} credit on XX/XX/XXXX but take it away XX/XX/XXXX according the the rep I spoke with?
What if I had used the credit in that time? Would they have chased me for the money back?
The rep told me that she couldnt override the banks decision and all she could do would be give me a {$10.00} credit for the inconvenience. I told her that wasnt acceptable. She advised me to call the bank. The bank told me to call them and up till this point it had always been that way.
Also why did three reps tell me yup the credit is coming. I see you met the requirements. Its coming. And what kind of company gives the credit, tells me it lasts for three months then takes it away?
They were able to reference all these conversations, on the fact alone that three reps told me I would be getting it they should honor the credit.
The lady woman I spoke with just kept repeating herself that she couldnt do more. I asked to have it looked into again because whoever did the validation was incorrect and she wouldnt have that done.
Ultimately she offered to have a manager reach out to me today and Im waiting for that call.
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| 11/25/2023 |
Yes |
- Credit card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
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I am having account issues with : Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Contact info is from the XXXX website where they are listed as unaccredited even though they have been in business for 91 years. With a customer review score of XXXX stars out of XXXX, here is my story...
First became a customer of Synchrony Bank when I received credit after signing with Discount Tire in XXXX XXXX, building up a credit line of {$2700.00} by XXXX. I have been a Discount Tire customer for over 20 years.
In XXXX, I signed for credit at TJ Maxx and received a credit line of {$1300.00} to be used at multiple retail stores connected to this card.
In XXXX of XXXX, I signed for credit with Dick 's Sporting Goods and received a {$2200.00} credit line.
Outside of my TJ Maxx credit line being lowered to {$1200.00} in XXXX, which was odd, I never had any issues up until recently.
About 2 months after receiving my Dick 's {$2200.00} credit line in XXXX of XXXX, my credit limit with them was suddenly lowered to {$420.00}. The electronic communication I received about this lowering of my credit limit spoke about things that have nothing to do with my credit line with this company or how I would be using it since my use of credit that I signed for, affects me and my credit score and not Synchrony Bank. The language of that communication was just like you would receive if you had been straight up denied credit when applying with a less than ideal credit score, using terms like " credit worthiness '' and " too many inquiries '' and " high balances '' etc. These credit lines all required my signature and effect me exclusively with no damage to Synchrony Bank or any other financial entity.
Barely a month later, I was informed by the credit bureaus that an account had been closed when I had done no such thing. Upon reviewing the credit alerts I found that Synchrony bank had closed my TJ Maxx account, without even a notice, freezing {$30.00} worth of rewards and further damaging my credit.
Now, earlier this month, XX/XX/XXXX, I have been informed electronically that Synchrony Bank has lowered my Discount Tire credit limit to {$2000.00} effectively taking away the {$600.00} I just paid down on my balance over the last couple months. The language of this credit limit lowering was nearly identical to what I received after the Dick 's credit line was decimated.
All this activity has effected my credit score adversely with the loss of over {$3500.00} of available credit and rewards, not to mention that my ability to purchase at these stores has been compromised.
The only other thing that I must include about the Discount Tire account is the fact that over the last year, two large credit payments that I made were " held '' by Synchrony Bank and though " credited '' to my account, the funds were not made available until 2 weeks the first time and an entire month the second time.
Sincerely, A thoroughly dissatisfied customer who has always taken responsibility for his own actions financially, regardless of what scores and bureaus have to say about this human being.
|
| 03/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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|
Web |
Servicemember |
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Upon returning for XXXX in XX/XX/XXXX, I begin to look for apartments around XXXX XXXX. As the leasing process begun with XXXX XXXX XXXX, I was notified that I had delinquencies on my credit report. After further investigation it became apparent that my personal information and credit had been unlawfully used without my consent. There were multiple accounts directly opened fraudulently equating around the amount of {$40000.00} USD for XXXX XXXX monetary gain. Since then, with the help of my Legal Advisor, Ive reached out to all 3 credit bureaus through certified mail along with the FTC report submitted in XXXX with hopes to combat these false accusations in order to clear my name and credit. Some of my attempts were successful as the bureaus mutually accepted my fraud claims and removed the existence of said credit accounts. Unfortunately, the more significant amounts did not receive the same fate since Im still being held accountable for them. Synchrony Bank ( also known as Care Credit ) was one of many credit lines that Ive tried resolving this fraud issue with. Since XXXX, Ive called and submitted multiple fraud claims with the company in which all including the recent one in XXXX of XXXX were denied. During their multiple fraud processes, Ive faxed them numerous of documents showing my whereabouts identifying that I was on XXXX during the opening of this account and when it was used for XXXX XXXX XXXX and XXXX XXXX. However, my requests for the Validation Notices, Itemization of amounts, and the original signed application were denied because I was unable to pass their test when asked about the account for identification purposes. That is to be expected since I did not open or authorize anyone to open this account nor the other numerous accounts. I was denied every time that Ive requested to escalate the claim to a higher individual in the company. As a XXXX veteran with various XXXX, the countless harassments of threats Ive received from this company has affected not only my personal life but also my workspace as well. This company has starting to send multiple letters to my parents residence including numerous called sent to my mothers phone. The recent letter Ive received from the company stated that I was denied because of the following : Care Credit Account XXXX : XXXX 1. The account has been opened for more than 12 months with statements sent to you. This information is inaccurate because I been fighting this fraud claim since the moment, I was aware of its existences. Records will show that Ive reached out to this company from XXXX to present day.
2. Payments have been made by you on this account. None of my accounts have paid any bills associated to this company. The Company has never had any of my banking information.
3. You authorized, participated in, or benefited from the purchase. This information is inaccurate because this account was never approved nor received my consent. Ive never used this account for personal gain. Ive never been a patient at said company.
Please Advise and thank you as Im requesting to be relieved of this debt.
|
| 08/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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First, XXXX XXXX XXXX XXXX. failed to adhere to the CFPB 's policy in regards to responding to a complaint within the first 15 days which the CFPB noted which a copy of this is attached. Secondly, XXXX XXXX XXXX XXXX. attached a copy of a letter they " supposedly '' sent to me. This letter was not once received by me. It would not surprise me if they made up a date on a letterhead to cover themselves from failing to contact me as they were required to do. Third, Synchrony Bank clearly states that the account was " CHARGED OFF '' ( see letter " Letter from Synchrony Bank stating account charged off '' ). By charging the account off, Synchrony would NO LONGER BE RESPONSIBLE FOR IT AND FORFEITS THEIR RIGHTS TO TAKE PART IN A LAWSUIT. Therefore, XXXX XXXX XXXX XXXX CAN NOT sue me on behalf of someone who was " charged off '' my account. I also do not appreciate that XXXX XXXX XXXX response attached below, referencing that I ever acknowledged that Synchrony is being represented on their behalf. AGAIN, Synchrony stated the matter was charged off therefore they are not involved with the matter. Thats facts! Fourth, I have sent MANY faxes and letters from XX/XX/XXXX until present, all of which were never responded to. I asked XXXX XXXX XXXX XXXX to contact me regarding their lawsuit because I have not once been contacted by them although they are providing a questionable letter that they did. They have been known to send people false documentation regarding this issue, even when they were XXXX XXXX XXXX XXXX - See XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX ( XXXX.N.Y. XXXX ) - See XXXX v XXXX XXXX XXXX , XXXX, XXXX Dist Ct, XXXX NY, case No. XXXX These are just 2 of the thousands of cases filed against this agency 5th -Your threats to continue to pursue lawsuits to me must be addressed. Just because I filed, and will continue to file complaints with the CFPB and other jurisdictions does NOT give you the right to take retaliatory measures against me. As seen in the attached document ( XXXX XXXX XXXX Threats ), I was threatened with further lawsuits because they are claiming I filed too many complaints and that they are " Frivolous ''. To state they have no value is not their decision as its my RIGHT to send as many complaints as needed to stop companies like you from bullying people like myself. XXXX XXXX XXXX XXXX. has stated many lies, are deceptive, and bully people, all of which while they can not adhere to the CFPB 's guidelines. They had to change their name from XXXX XXXX XXXX XXXX because they were sued and found guilty of so many different violations regarding consumers rights. This company has and continues to fail at doing things the right way and I am sick and tired of it. Something needs to be done to keep failing companies like this from abusing people by not following the correct protocols such as the ones I listed above. For them to threaten me for reporting violations they continue to make by stating they will peruse further action due to my " Frivolous '' and multiple complaints is ILLEGAL, uncalled for, and NEEDS TO BE ADDRESSED ASAP.
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| 04/14/2016 |
Yes |
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Web |
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My fiance spoke on my behalf to the customer service line with my permission and was told he would be able to pay the account in full by the end of XXXX on XXXX XXXX. He was assured that he would be able to do so without any penalty, fee, negative credit marking, or closure.
We called to make a payment on XXXX/XXXX/16 and during the call I asked if the account was in collections as I received a letter that it was. I was assured that it was not with a third party and still active, and that if I made a payment that day the account would be restored fully. Because of the late fees, my husband wanted to talk to a supervisor regarding the arrangement as the customer service department was unwilling to remove the fees. He spoke to many representatives who continued to tell us to simply make the payment and the account would once again be in good standing while refusing to transfer him to a supervisor or anyone willing to hear out our complaint. At one point the people in the department actually lied and said they were transferring him to customer service but transferred him to another representative of the collections department. The only reason we know is because the second person made the mistake of saying they were n't customer service when asked repeatedly. As the phone call was continually transferred from one representative to another we did finally agree to make the payment as the collections representatives refused to transfer us until we did. They again promised that the card account was still open and would be restored upon payment.
Upon payment, the collections representative said the account would not be restored and that there would be a negative credit mark on my credit report. Again, that is contrary to what the other representative just told us multiple times on the same phone call. They still refused to transfer us to a manager or customer service and tried to pressure us into opening another account, guaranteeing and promising that it would be approved. We found out later they did n't have the authority to say that.
Eventually, after continued demands to speak with a supervisor, they transferred us to customer service who said they were under no obligation to honor anything that was said previously. They said that we would just have to deal with what we had been told up until that point. We were assured that they would investigate the matter and review the calls to see if anything unscrupulous had transpired, and get back to us. Not only did they lie to us multiple times to get a payment, but now we are receiving calls and letters from debt collection agencies about the amount that we already paid. At this point, all I am asking is to have the account taken out of collections and the negative report to be removed from my credit. I do not feel as though this is a reflection of my ability or willingness to pay as I would have responded differently had I known that payment arrangement would not be honored. I am willing to show whatever proof is necessary to indicate the payment has been made. Please contact me with any questions or concerns.
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| 03/11/2016 |
Yes |
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Web |
Older American |
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I manage and pay my credit card online via the Amazon.com/storecard/Synchrony Bank website and XX/XX/XXXX I tried to login to make a payment and forgot/entered in the wrong password too many times and was locked out of my account. Instead of a simple process of resetting my password like other banks, I have gone through XXXX with their fraud dept because they will not verify me. I have given the all my info over the phone and via mail numerous times, the ask questions that have nothing to do with me and say I answered incorrectly, they claim to have mailed ( now claim email while other reps say it is not allowed ) a letter with a code but I never received. The Post Office told me to tell them to track/trace the letters they mailed they say they can/will not and they refuse to give any other option ( I mailed my docs they claim never received despite my USPS Proof of Mailing and their security questions have nothing to do with me, I can not answer Yes to a question I know is No ). I can no longer access my account online to make payments and must talk to someone on the phone to make payments. They try to charge fees that they should not and do not log my payments correctly then claim they credited the fees but then do not and add more. I can no longer confirm anything I am told by a rep on my account and the reps say on thing and do another, I have been charged fees and credits/payments have not been applied properly. I can not Trust that my payments or that my account is accurate and have had to call and be transferred numerous times and stay on the phone for no less than 4+ hours at a time per day to try and get info or some resolution but none so far. They continue to say they this is the last time and they are going to remail the letter and I will receive in days but I never receive the letter. They have no other options and I have no way of confirming if the activity on my account is correct. Every rep contradicts the other and says something different and then they will say oh well what they told you is wrong or I heard incorrectly which are lies. I am not trying to make purchases I am trying to make payment in a secure and timely manner which is no longer possible. I can trust that my payments ( no confirmation # 's are given, I can take down names of reps and location but is useless later ) are logged properly and that additional charges are not wrongfully charged. I document all my calls and communications but they refuse to correct the problem of just resetting my password to my account, but they try to not log my credits/payments properly and charge fees while only given very limited access to what is going on with my account claim it is for my protection. I need protection from this bank bad if not illegal business practices. Do I not have the right to have access to my account ( details/specific transactions, balance, credits/debits ) and not solely depend on what I am told be a rep who says whatever but I can not confirm if it is true and then discover the lied or did not notate my account or process the transaction as they said they would.
|
| 10/30/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
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To whom it may concern, on XX/XX/XXXX, I XXXX XXXX had a XXXX XXXX at the ( XXXX XXXX ) at XXXX XXXXr XXXX XXXX, XXXX, GA XXXX. Prior to the XXXX all XXXX XXXX did to prepare me for XXXX was looked at my head, ran a comb through it for about 20 seconds, took some pictures and asked me when did I want to come in for XXXX. I am a XXXX XXXX and I take lots of medications for my XXXX and XXXX XXXX XXXX.
Prior to XXXX XXXX XXXX never cleared me through my XXXX doctor or anyone else to see if I was a good candidate for the XXXX XXXX XXXX. After 6 months and 12 months I went back to XXXX XXXX and told him my hair was not growing. He looked at it and said it takes at least 18 months to see improvement and he told me to come back in 6 months. So I waited 6 more months for improvement and still there was no hair growth around XX/XX/XXXX. I called the XXXX XXXX and made an appointment to see XXXX XXXX in XXXX. When I went in to see him I wanted my money back because my hair didn't grow. Hw told me he had a new product called ( XXXX XXXX Therapy ) that he wanted me to try and that he would pay for it. I agreed to have it done but the product had to be ordered, so he told me to come back when the product came in. So I went back and got the XXXX XXXX therapy and he told me to come back XX/XX/XXXX and not before so he can see if it worked.
When I went back on XX/XX/XXXX, the XXXX XXXX had closed and his office was empty. At that moment I was in shocked and devastated, thinking my money was gone forever so I started crying! Since then, I contacted XXXX XXXX through Synchrony XXXX and filed a complaint with them. They said they would do an investigation and that they have a way of getting my money back from him because they have an account for XXXX XXXX from which they can take the money from. After 60 days I called XXXX XXXX back for a follow up and they told me the case was closed and that they did not do an investigation because they have their money and XXXX XXXX has his money. They sent me a letter telling me they were going to investigate the matter and that was all I have heard from them. I have attached the letter from Synchrony XXXX. The letter is in XXXX XXXX 's name because he is the primary card holder and he filed the complaint in my name as we live together. I have also attached several before and after XXXX photos of my hair.
In closing, this is my second complaint filed against Synchrony XXXXk about this specific complaint. The first complaint was filed with the Georgia XXXX XXXX XXXX on XX/XX/XXXX and I haven't heard anything from them as of this date. I have also attached a copy of that letter for this complaint. I am seeking to recover the {$7000.00} I paid Synchrony XXXX for my XXXX XXXX that didn't grow my hair. XXXX and I believe this is the real reason why Synchrony XXXX closed his account in the first place. They knew I was trying to get my money back for this case so they may have closed his account to keep us from charging {$7000.00} to XXXX XXXX thinking we would not pay the money back which is not the case.
Respectfully, XXXX XXXX
|
| 01/17/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The following is a timeline of events and errors made on the part of XXXX ( debt collection ), Synchrony Bank, and Lowes ...
XXXX XXXX XXXX notified us of their intent to collect on a XXXX credit card debt * We initially had no idea what they were referring to, we never received a billing statement from XXXX ( synchrony Bank ) based on the fact we had moved our primary residence XXXX XXXX, We requested from XXXX to substantiate Debt ( we understand they have 30 days to prove debt and we did not receive statements until XXXX/XXXX/XXXX * The statements they provided on XXXX/XXXX/XXXX did not contain information from the late debt, we immediately notified them of this error.
* Despite the fact they were late proving debt, they continued to contact us by phone.
XXXX Finally on XXXX/XXXX/XXXX, XXXX provided statements to prove debt and we were able to verify the charges were made by us * On XXXX/XXXX/XXXX, We sent an email to XXXX ( please see the following ) XXXX XXXX, XXXX To whom it may concern : I am writing to inform you that we are disputing several elements of your recent attempt to collect debt on our Lowes credit card. The following items provide details on the areas we are disputing and we are requesting the items are corrected immediately : *We never received a billing statement from Lowes/Sychrony, despite our notification to Lowes of our updated address ( please see attached document that indicates our updated billing and shipping address provided to Lowes at the original time of purchase ) *Based upon the fact we never received a billing statement, we are disputing any finance or late charges incurred *Based upon the fact we never received a billing statement, we expect that the late payment will not be reported as late to the credit reporting agencies If each of the the aforementioned items are acknowledged and rectified immediately, we are willing to remit payment for the initial purchases only for the amount of {$100.00}. If you do not respond to this matter in 30 days we do plan to remit a complaint to both the CFPB and the FTC. Thank you for your prompt response and resolution of this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX We recognize that we have Not received a response from XXXX in the required 30 day period and conveniently it appears they have turned over our account to another collection agency, XXXX Recovery XXXX We receive a letter from XXXX XXXX XXXX XXXX trying to collect on the debt Here are some relevant details regarding this situation : 1 ) we are willing to pay for the original purchases, provided they remove the late charges, finance charges, and remove any late payment from our credit history 2 ) XXXX has never had a late payment in her life, our credit score is important to us and is currently over XXXX 3 ) We did notify Lowes at the point of sale on XXXX/XXXX/XXXX of our new billing and shipping address, they failed to update in their system ( please see document attached digitally showing our updated billing and shipping address that Lowes/Sychrony Bank failed to update ) Please help us!!!
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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In XXXX we purchased two air conditioners from Lowes. We purchased them on the 0 % interest plan. In XXXX at the end of the term we paid off the remaining balance of approx {$3500.00}. Due to an error, the payment left a {$20.00} balance on the account. I do not recall anyone contacting me to address this extremely minor aledged shortage. Why would they think my intent was to defraud them for {$20.00} when I just made a final payment of {$3500.00} Lowes and Synchrony bank proceeded to send derogatory credit reports to the Credit reporting companies which significantly affected my credit score and cost me money due to undesirable interest rates. Late payments were recorded for XXXX - XXXX of XXXX and a charge off was recorded for {$20.00} on XXXX of XXXX. Not only is this amount of charge-off negligible but the late charges were in contradiction to Lowes policy that if the amount of less than {$50.00} it will not be reported to the credit agencies. I learned this by talking to the customer representatives.
In XXXX of XXXX I disputed the charge. Lowes and Synchrony Bank reviewed my claim and responded that they had reported the information accurately. In doing so they had my credit report updated to reflect that the charge off had occurred on the date I had disputed the charge. Apparently go retaliate against me disputing the charge in the first place. I know that these departments receive bad marks if they report inaccurately so it is not in their interest to admit a mistake. Now the XXXX credit report shows the late payments as stated above and a charge off of {$20.00} 38 months after it actually occurred. This charge off will remain on my credit report for another 7 years.
Approx 6 weeks ago I contacted Synchrony Bank and explained the situation. They had indicated that this was indeed a mistake and that they were submitting a claim to have it removed. The premise for acknowledging the wrongdoing was 1- the balance ( {$20.00} ) was it was below the amount they will report ( {$50.00} ) and 2- that apparently there was some kind of a system upgrade and the data conversion may have made the mistake. Despite this, I subsequently received a letter from Lowes and Synchrony Bank stating that the information had been reported correctly and that no changes to my credit report would be made.
On XX/XX/XXXXXXXX I again contacted Synchrony Bank at the number indicated on the letter - XXXX. I spoke to a representative XXXX # XXXX. XXXX was not very helpful and did little to help figure out a solution. While he would admit the amount was not large enough to report to a credit bureau, and that the charge off date was indeed XX/XX/XXXX, he did little to help. I would suggest Synchrony listen to the recording to learn from this experience. This type of customer experience is deplorable. He only interrupted me and said the only thing I could do was to write a letter! In this day and age, they want a letter. Probably by fax.
I am now left with no confidence that Lowes and Synchrony bank will fix this error and as such I feel this complaint is my last resort.
|
| 10/15/2015 |
Yes |
|
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Web |
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I have excellent credit and the only times I miss a payment on a revolving credit account is when the vendor fails to send me a bill. XXXX ( aka car care XXXX from Synchrony bank ( formerly GE capital ) is one of several similar cards I have with this company. I also have a very large money market account with them.
This is one of those specialty cards where you can purchase interest free for a qualifying purchase for a period of time and, presuming the account is kept current, and you get slapped with a 26 % interest rate if its either not paid regularly or in full before the deadline. They know I always pay in full and in time.
I never received a bill in XXXX for an emergency car repair purchase that I was unsure would show up on the XXXX bill. And since I am busy and have no way to keep track of companies who refuse to notify me that I owe them money, I had no way of knowing I had missed a payment until the XXXX bill showed up. I immediately called the company to tell them that I had missed the payment because I had n't received the bill. The very nice customer service agent took off the late charge and told me that it would be no problem if I just made a double payment in XXXX. She assured me that she had notated the account.
Three days later, I started getting regular calls from some number from Synchrony bank telling me that they had a call for me, then putting me on hold for XXXX minutes. Since I am busy and these calls came in during meetings or dinner, I hung up on the first XXXX and tried to call them back when I had time. When I called back, I got to someone who did n't even identify the company they were with or department. It took XXXX minutes of my precious time just to figure out this was collections. Once I determined this was n't security to tell me that my accounts had been breached, I told them that I had already called in to tell them that this was their mistake and been told to pay it when the payment was due later that month, asking them to check their records and leave me alone.
In the intervening two weeks, I have received daily calls and a letter from synchrony, often at dinner time or other times during the day when they are not supposed to call. Yesterday I finally called the number in the letter, then spent XXXX minutes being transferred through XXXX and XXXX to finally get to an escalation unit in the U.S., but when I asked for her supervisor, was told that all she could do is refer me to her supervisor 's voice mail. NONE of the people that answered the phone identified who they were or what company they were with when they answered the phone. The supervisor never called back, despite me clearly stating that I would report this to CFPB if I did n't hear back from him that evening.
I have scheduled payment for XXXX months, but suspect I am going to be slapped with huge fees and interest rates because synchrony ca n't seem to send out bills on a regular basis and keep their records straight. BTW, this is not the first time I have not received a bill from them for XXXX of the XXXX specialty cards I have with them.
|
| 06/16/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Servicemember |
|
The following information pertains to my current JC Pennys credit card I have which is now managed by Synchrony Bank.
Effective XX/XX/XXXX Synchrony bank begin charging separate interest rates on what they are stating eligible promotional charges that expire. The problem is that I have never purchased ( charged ) any items under a promotional purchases and all credit billing statements reflected the same findings Currently a new rate has shown on my statement which means they are charging 3 separate interest rates for what they state are promotional purchases expiring.
I have called the only CSR billing contact number listed on the billing statement ( XXXX ) ) three different times to ask why I was being charged 2 separate interest rates ( both = a total of 54.98 % total interest charged monthly ). Not one of the 3 CSR reps was able to state the same reasoning why I was being charged these 2 different interest rates.
Effective XX/XX/XXXX they will begin to charge a third interest rate for what they are again calling " eligible promotional charges that expire This will make the total monthly interest charge 83.22 %.
First call I made on dated XX/XX/XXXX referencing JC Penny billing stmt dtd XX/XX/XXXX ( attached ) : the CSR stated the extra interest rate was due to promotional purchases that had expired. When I informed him that I had not purchased any promotional items and all my previous billing statements reflects that fact that I had not purchased any promotional items, he just stated that well you not paying very much interest so why was I so worried. He would not allow me to speak with his supervisor stating there was not supervisor available on shift to speak with.
I called back on same date XX/XX/XXXX : I spoke with a different CSR, but asked the same question as above. This CSR person stated that she did not see 2 different interest rates on her screen, she only seen one total interest rate fee charged. I stated yes, they have lumped both interest rate charges as 1 for billing purposes. I asked again please help me understand why I am being charged two separated interests rates on my billing statement for XX/XX/XXXX, as I had not made any purchases under a promotional offers and I see 2seperate interest rates charged with different dollar amounts listed under each interest rate. She again stated I do not see 2 separate interest rate charges, I only see 1 charge. I asked again to speak with her supervisor and was told a supervisor was not available to speak with that day.
XX/XX/XXXX : I called JC Penny billing contact # again. I spoke with a CSR rep asking the same question as above. This CSR rep stated that they raised the interest rates and any new purchases made after the date of the interest rate date change were then applied to the new rate. I asked why they did not apply the new interest rate to the total amount owed as I am now paying two separate interest rates. She stated well that would not be fair to the consumer as the consumer would then be charged a higher rate of interest on purchases made after the rate change date.
|
| 05/18/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
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In XXXX I received an offer to upgrade my Walmart Card to a Walmart Master Card from Sychrony bank. I called and spoke with them about the offer. They initially told me that it would replace my current card and nothing except the account number and ability to use it would change. Upon further investigation I discovered that this was not true, that instead it would be a brand new account with a new starting date. I called the automated system and opted out of getting the card and I called them directly and told them I did not want the card. They did not opt me out and instead sent me the card. I have also since then asked them to stop sending me emails to activate the card. I have also spoken with an individual at their corporate headquarters at the phone number given of XXXX ext. XXXX . XXXX XXXX assisted me and said she would get back with me and that I would stop receiving emails. I am still receiving emails and when I attempted to contact her today the phone number no longer works. I think the practice they are doing is misleading. They call it an upgrade when it actually replaces the account with brand new information reporting to the credit bureau. This is not clearly stated in their communication and thus does not allow a consumer to make a qualified judgement on accepting the offer. An upgrade to this product should have no negative affects for choosing it and if there are then it should be clearly written in the offer itself. If it is hidden in the fine print I have yet to be able to find it. In a matter such as this consumers need protection from the company if they are not making this information clearly identifiable and easy to find. A new account will affect an individuals average age of account and consumers do not need to be tricked into taking something that will have an adverse affect on their credit bureau report. There is nothing preventing Synchrony from simply doing the right thing and making it clear or simply actually upgrading the account and allowing the consumer to retain the history with the credit bureau they have already established. In speaking with Synchrony about this at their normal customer service phone number for the account I have been given wrong, contradictory information, misleading information and information meant to deceive people from making a qualified decision. They have told me that if it reports wrong then I need to contact the credit bureau to take care of the issue, which can not be done since the information is not technically wrong at the credit bureau and the credit issuer themselves would actually need to do such a thing. They have told me that it would replace the information at the credit bureau, when indeed it does not, it creates a new account and closes the old account. The information reported is current as of the day of being offered the account or acceptance of the new account. They have told me that only the account number would change with the credit bureau, which is not true since a new account opening date would be reported and the other account reported as closed.
|
| 07/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I am writing to dispute a charge of {$100.00} to my Paypal account on XX/XX/2023 I never authorized the transaction. Paypal arbitrarily changed my reason for filing the case to previously cancelled this recurring payment after communicating with the company that I believe defrauded me. Were dealing with two multi-nationals : XXXX of XXXX XXXX ; and XXXX XXXX, as the case may be, of the XXXX. Ive had no problems with XXXX for a number of years, but sometime during the pandemic they brought in a XXXX firm, XXXX to handle their billing and receivables. Thats when my trouble started. They billed on the day after my subscription ended, for one year instead of two, and for more than double the price. I believe that the blame rests on both XXXX and XXXXXXXX ; theyre in cahoots as they say.
I tried going back to XXXX to work things out, but they ultimately rescinded my work-out and cut off my service. Thats another thing : It now states on the website that no refunds are given for subscription cancellation even though they advertise a 30 day refund if not satisfied ( but thats for XXXX only, not the 3rd party, XXXX ). I did state that I wanted a refund ( within the 30 day period ) in lieu of a bank chargeback but they wouldnt go for it. Furthermore, is XXXX a subcontractor doing billing/AR for XXXX? Then they have stolen my credit card number because I would have never given the number to them : thats the fraud. Shouldnt the XXXX agreement be on file with Paypal since theyre handling customers credit card transactions? Theyre changing the website rules continually to suit their narrative. The point is I never authorized XXXX to create the charge like I do with XXXX or another internet vendor.
Paypal recognizes my computers but I always have to flash the Paypal site for acknowledgement and validation. XXXX must have gotten my card number somehow is all I can think of. Normally theres a button for Paypalthats the beauty of Paypal that you dont have to input your card numbernow I think that its a false sense of security. It seems that the Paypal billing inquiries are really ineffectual : the customer is more of a target for unscrupulous vendors as the rulings go in their favor. The Paypal adjudicators ( if you want to call them that ) just accept subscription rules of a vendor with no credit card number or a falsely obtained one. The vendor should have to create an invoice for the consumer. Its been suggested on the internet that theres someone on the inside at Paypal.
I think thats the problem here : they should have the customers account number validated for every transaction, subscription or not : if scammers like XXXX had to invoice the consumers for every transaction that would solve the problem-they could state on the invoice -- card on file Paypal : further, if theyre changing from vendor XXXX to vendor XXXX shouldnt I have to authorize it? I can tell you with the reviews Ive seen on XXXX, no way would I choose XXXX again. It appears that there are some loopholes in consumer protection on the part of Paypal that one could drive a truck through.
|
| 12/05/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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|
I originally set up the account when the business name was Bill Me Later. This company offered zero interest during a specific time period then a relatively high interest rate after the no-interest period expired. I was able to pay the the borrowed sum during the zero interest period in a timely manner before I lost my job.
I have been struggling to find stable employment. Despite what the Trump Administration brags about, the employers are not interested in investing in their people long-term ; they are only interested in hiring on a temp basis with low wages. I contacted PayPal multiple times to ask that they work with me ; the goal was to close the account to prevent it from accruing more of the ungodly amount of interest that they charge so that I can continue paying with the eventual goal of paying off the balance. PayPal has repeatedly refused to work with me leaving me no choice but to abandon the account. I have written multiple requests to PayPal 's customer service asking SPECIFIC questions about resolving this issue and the only thing I ever receive in return is a template complaint overview ( attached ) which addresses nothing and solves nothing.
PayPal also refused to help me resolve an issue with a supplier. I purchased tickets for a concert online at XXXX. The company did not disclose that the seats that I was purchasing were obstructed view - the seats were sold months before the show. When I arrived at the venue, I found the seats were placed behind towering sound and video equipment. The only way I could see the stage was by viewing the large tv screens. I contacted the supplier and requested that they compensate the cost of the tickets - they were {$300.00} tickets - but they refused and the attorney general for XXXX didn't think the fraudulent activity coming from this organization based in her district was important enough to investigate which is appalling. I asked PayPal to reverse the payment due to the circumstances and assist me as their customer - but they refused.
So far, PayPal has had the audacity of charging an exorbitant interest rate without providing any customer support for a fraudulent purchase and in addition to this has refused to work with me regarding the excessive interest rates which is one shade from being criminal. PayPal has SO MANY COMPLAINTS about their garbage customer service and fraudulent business practices that I am shocked that they are still permitted to operate. There are many consumers out there who don't see options in fighting big Corporations but it is these very same people who are struggling with companies like PayPal who feed off of them like vampires through the obscene interest rates. This site gives you an overview of how the American people feel about PayPal : # XXXX XXXX XXXX XXXX I am willing to pay what I owe them but the interest charges have to stop. What these companies are doing I consider to be abuse of power. They are affecting the lives of millions of people without any care whatsoever as to their business practices.
I look forward to your help. Thank you so much.
|
| 11/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
Dear Sir/Madam, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a significant and unexplained reduction in my Amazon XXXX Card limit. I have been a loyal customer of Amazon XXXXSynchrony Bank for several years, consistently maintaining an excellent payment history and adhering to the terms of my credit card agreement. I have never missed a single payment, and my creditworthiness remains intact. However, I recently experienced a sudden and unexpected decrease in my credit limit without any clear explanation from the card issuer.
I have always considered Amazon prime card as a reliable financial partner. My Amazon XXXX Card has been a valuable part of my financial toolkit, and I have used it responsibly to make purchases and manage my finances efficiently. Given my history of responsible credit usage, the sudden reduction in my credit limit has come as a shock and has disrupted my financial plans.
The decrease in my credit limit has several negative implications : Increased credit utilization : This reduction in my available credit has caused my credit utilization ratio to increase, potentially negatively affecting my credit score.
Disrupted financial planning : I have relied on my Amazon XXXX Card for various financial needs, and this unexpected change has impacted my ability to manage my expenses and make essential purchases.
Lack of clarity : The most concerning aspect of this situation is the complete lack of communication and transparency from Amazon prime Card. I have not received any notification or explanation regarding the reason for this reduction.
I have made diligent efforts to reach out to Amazon to seek clarification on the matter and to request a reconsideration of my credit limit. Unfortunately, I have received no satisfactory response or resolution from their customer service representatives.
I kindly request the CFPB 's assistance in addressing this issue. I believe that, as a regulatory authority, the CFPB is in a position to help ensure that consumers are treated fairly and that financial institutions adhere to established guidelines and principles. I am hopeful that CFPB 's intervention can lead to a just resolution of this matter, including a clear explanation for the reduction in my credit limit.
Enclosed with this letter, you will find copies of my credit reports, correspondence with Amazon XXXX card, and any other relevant documentation that may aid in understanding the situation better.
I would appreciate it if the CFPB could investigate this matter and take the necessary steps to ensure that Amazon XXXX card provides a satisfactory response and, if warranted, reinstates my previous credit limit. My excellent payment history and responsible credit usage should not be unfairly penalized, and I believe that transparency and accountability are crucial in this situation.
Please do not hesitate to contact me if you require any additional information or clarification regarding this complaint.
Thank you for your attention to this matter.
Sincerely,
|
| 04/17/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I opened an account with Care Credit on XX/XX/XXXX to pay the balance on a medical bill so I would have more time to pay it so it doesn't go to collections. Approved credit limit is {$1500.00}. I was given the account number over the phone so I paid my doctor 's bill on XX/XX/XXXX and charged the full amount {$1500.00}. On XX/XX/XXXX I get a notification from my XXXX credit monitoring service that my CareCredit account has exceeded its credit limit.
I called CareCredit to inquire about this on XX/XX/XXXX I was informed that my billing cycle closed on XX/XX/XXXX so the credit protection had been processed and added to the bill and therefore this is why it's showing I'm over my credit limit. I asked how my billing cycle could have already ended on XX/XX/XXXX when the account wasn't opened until XX/XX/XXXX and I didn't actually receive the card and terms and agreements in the mail until XX/XX/XXXX. I was told by a customer service agent and two managers that the billing cycles are assigned to accounts randomly and that there was nothing that could be done to fix this on my credit report. One manager also told me that I agreed to the terms and agreements when I made a charge to the card. I asked her if she could tell me where in the terms and I agreements I could find a statement that tells the consumer that their billing cycle is randomly assigned and could close before they even receive the actual card so be careful of making charges immediately because if you max out your credit and have purcahsed credit protection it will take you over your credit limit and will be reported as such on your credit report. The manager stated to me that I had a valid point and that is not stated anywhere in the terms and agreements but there was still no recourse. I was approved for a {$1500.00} credit limit. The charges showing with the credit protection charges added were {$1500.00}. I asked if they could report my credit limit as {$1500.00} so it will not show asI exceeded my credit limit. I was told the only way to do this was to request a credit limit increase. I told her I did not want another request on my credit and that I initially requested a {$2000.00} credit limit but was only given {$1500.00}. The manger informed me that the credit increase request would be a soft inquiry to my credit report and I gave her permission to proceed with the credit increase request amount for {$1600.00}. The credit increase request was denied. I was told I could cancel the credit protection. I asked if canceling the credit protection would remove the history of the high balance because it will still show that I exceeded my credit limit. I was told that they could not do that either.
I do not feel that I should have to be forced into having this negative information impacting my credit report when I was not given the appropriate information before hand about the billing practices so I could make an informed decision about when I chose to make a charge to the credit card. I was never informed as to what specific date add-on charges are calculated and added to the account.
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.
- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies.
2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX XXXX ], are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent.
3. *
*Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice. 4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices.
5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law.
6. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress.
7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs.
8. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act.
In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information.
I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
|
| 09/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
On XX/XX/XXXX, I received a call from Synchrony Bank- a bank I do business with. The representative asked my security question to verify my identity, and I said that I would not answer, and would call the bank directly myself. When I did so ( within 5 minutes of the call ) I was told that the call was legitimate, and they wanted to know if I added an external XXXX XXXX account to my Synchrony acct- which I absolutely did not. They then asked if I also attached a Green Dot bank external account- again, I absolutely did not. I was told that TWO transfers, each in the amount of {$30000.00} were made from my account- one on XX/XX/XXXX ( the day of the call I received ) and another on XXXX XXXX for a total of {$60000.00}. I was initially told the XX/XX/XXXX transfer could not be stopped, but it was. HOWEVER, the XX/XX/XXXX transfer could not be stopped.
I have not, for many years, made withdrawals from this account. I have XXXX account attached to it, from XXXX XXXX XXXX Bank. Each month for many years, I make a monthly deposit of {$200.00} to keep the account active. Each month, for years, I would receive an email from Synchrony Bank, informing me when my {$200.00} transaction was initiated, and when it was finalized. I received NO NOTIFICATION when not only a new external account was attached to my Synchrony account, but when transfers of {$30000.00} were made. How, in this time when fraud is rampant, does this happen? WHY was I not notified?
As per Synchrony, I filled out and submitted affidavits of dispute of these transfers, and sent them via XXXX on XX/XX/XXXX, and they were received on XX/XX/XXXX.
Since that time, I have had only one phone call from them, to confirm that the XX/XX/XXXX transaction had indeed been canceled but not the one for XX/XX/XXXX. The representatives I speak to have told me XXXX different things : that the investigation would take XXXX business days ; that the date to resolve this issue was XX/XX/XXXX ; and that there IS NO TIME FRAME.
On XX/XX/XXXX, I logged into my Synchrony account to find that a provisional credit was issued. In my notifications section, there was a document stating as such ; it also said that if it turns out there was no fraud, they would take the money back.
Please note that I received NO phone call regarding this provisional credit ; if I didnt log in to my account ( and have been daily ), I wouldnt have been aware of this until I received the same document by XXXX mail a week later.
I called again on XXXX, and again, received no concrete information regarding when this investigation would be completed. I do not feel that the bank is doing anything to expedite this matter and return my money. I have given them the opportunity to rectify this, but each time I call, it is clear there is no sense of urgency to resolve this.
I have a log of each time I have spoken to them, the time of my phone calls, and the duration of each call. I am a retired woman on a fixed income, and because of this issue, my account is restricted. Filing a complaint is clearly the only way to get this resolved.
|
| 10/26/2023 |
Yes |
- Credit card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I received this letter form Synchrony Bank regards my account; informing me that my account has been closed on XXXX, XXXX, XXXX. My account has been in good standing and no late payments.
Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX Please see reverse side for important information Account is owned by Synchrony Bank XX/XX/XXXX Regarding your XXXX XXXX/SYNCHRONY HOME account ending in Dear After a review of your account, Synchrony Bank has decided to close your account.
Our decision was based in part on a scoring system that was used to predict your creditworthiness.
The reason ( s ) for our decision are listed below.
Too Many Revolving Accounts With High Balance Compared To Credit Limit Balances On Bankcards Are Too High Compared With Credit Limits Too Few Accounts Paid As Agreed Too Many Bankcards With High Balance Compared To Credit Limit Some information used to make this decision was obtained from the consumer reporting agency listed below.
This consumer reporting agency did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information.
Information about your External Credit Score used in this evaluation for credit In addition, we also obtained an external credit score from the consumer reporting agency listed below and used it in part in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes.
The credit score below was developed using standard industry methods and was used in evaluating the action taken on your account. The credit score may differ from the score you may obtain from a consumer reporting agency Your credit score : XXXX Date : XX/XX/XXXX Scores range from a low of XXXX to a high of XXXX.
Key factors that adversely affected your credit score : Too Many Revolving Accounts With High Balance Compared To Credit Limit Balances On Bankcards Are Too High Compared With Credit Limits Too Few Accounts Paid As Agreed Too Many Bankcards With High Balance Compared To Credit Limit While the date of the credit score may not be recent, your score has likely not changed significantly since this date. We receive updated scores on a periodic basis, and when significant changes occur. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX If there is a balance on your account, it remains due, according to the terms and conditions of the account.
If you have any questions, please call the phone number listed below.
Sincerely, Synchrony Bank XXXX I had just finished paying off my Auto Loan in XXXX, my credit score has gone up XXXX points since then. Thank for your assistance in this matter.
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| 01/01/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Opened an account with JC Penney while making a purchase in the store in order to receive a discount. Total amount came to {$150.00}. This total amount was paid via electronic issuance from my bank XXXX XXXX XXXX XXXX/XXXX/XXXX. No other purchases were made on this account. Received a statement from JCPenney showing a balance the next month. My thought was that the payment had not been received at the time of the statement generation. Received another statement the next month that included a late fee on the statement. I contacted JCPenny and indicated that they made a mistake and that payment had been made to them. They requested proof of payment which I provided. There was an issue with the account number however, they assured me that they would be able to locate the payment by name/ dollar/ amount and trace information provided by the bank. They indicated that was probably the issue with the delay of application to my account. They removed the fees and a few months later it happened again ... I repeated the same thing and then they removed the fees and made a notation and submitted the account for research. I provided information again and also hosted a 3-way call with my bank. The bank confirmed the payment. I also provided a copy of my statement showing the money being taken out of my account. About 6 more months went by and I started getting collection calls. To each one I told the representative the same thing and provided the same information. Finally I wrote a letter to the CEO complaining and received a call back from customer service. They took the issue under advisement and promised they would resolve it. The collection calls continued and I tried desperately to get it resolved. By this time it had been over a year and JCPenney/ Synchrony bank was negatively impacting my credit as well another account that I had with Synchrony Bank for my XXXX 's account was directly negatively impacted. I received letters from Synchrony Bank informing me that they were lowering my credit limit from the current {$1200.00} to {$800.00} then it went to {$600.00} and now to {$300.00}. This happened each time I paid down my balance. I went back and forth between my bank and JCPenney/Synchrony bank both holding their positions. XXXX maintaining that the payment was made and accepted by JCPenney/Synchrony and JCP/Sync maintaining that they never received my payment and it was still owed. In XX/XX/XXXX/ XX/XX/XXXX I started received collection calls from XXXX XXXX XXXX indicating that they had ownership of this account and I had a balance of {$430.00}. I explained everything to them and provided the same documentation. They said they would note the account and open an investigation. At the end of XX/XX/XXXX I received a letter from XXXX stating they received a debt validation request for the account with copies of the XXXX statements and indication that the debt is still owed. At this point I am not sure who is at fault, Synchrony or XXXX however, what I am sure of is this money came out of my account and was sent and this has been paid and is not owed.
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| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I DONT KNOW WHO DECIDED TO CALL THIS FAIR CREDIT REPORTING! BUT THIS, EXCUSE MY LANGUAGE, IS XXXX! I WORKED INCREDIBLY HARD AT GETTING MY CREDIT SCORE TO WHERE YOU CREDIT BUREAUS CLAIM IS EXCELLENT! IN XXXX, I PAID OFF XXXX NEAR EVERYTHING! MY CREDIT WAS IMMACULATE! XXXX OF THESE ACCOUNTS, XXXX, I PAID OFF IN FULL {$1500.00}, REQUEST A NEW CARD BECAUSE IT WAS LOST/STOLEN AND THEN THEY DECIDE TO CLOSE IT! I DISPUTED THIS MATTER BECAUSE I NEVER ASKED FOR MY ACCOUNT TO BE CLOSED. XXXX SENT ME SOMETHING SAYING THEY CLOSED IT BECAUSE OF POSSIBLE FRAUD OF A STOLEN CARD??? XXXX??? AND ONLY NOW AM I SEEING THESE RESULTS OF THE DISPUTE! WELL WHAT WAS I SPENDING {$20.00} A MONTH FOR? AND, XXXX SORRY, BUT WHAT THEY REPORTED IS ABSOLUTELY FALSE! AND ON TOP OF THAT, I TOOK A NICE LITTLE HIT ON MY CREDIT SCORE SINCE THAT ACCOUNT MYSTERIOUSLY DISAPPEARED. THIS IS THE BIGGEST LOAD OF XXXX I HAVE EVER HEARD! YOU WANT TO CONTROL PEOPLES LIVES AND WHAT THEY CAN ACQUIRE OR BORROW BASED ON A NUMBER! BUT ITS A FRAUDULENT NUMBER! FROM WHERE I AM STANDING, XXXX IS THE RING LEADER FOR FRAUD! AND THATS WHO IM REPORTING! YOU HAVE NOW LOWERED MY CREDIT SCORE TO A XXXX! ARE YOU KIDDING ME? I PAY OFF AN ACCOUNT I HAD FOR YEARS AND REQUEST A REPLACEMENT CARD AND MY CREDIT TAKES A HIT??? AND I DISPUTE IT AND YOU ARE ACTUALLY GOING TO COME BACK AND TELL ME THE ACCOUNT IS VALID??? REALLY??? I DONT MISS PAYMENTS! I DONT HAVE ANYTHING IN COLLECTIONS! THE ONLY THING I HAVE DONE WRONG IS GO TO SCHOOL AND TAKE OUT LOANS, WHICH ARE ALL IN GOOD STANDING BTW! I PAID OFF ALL MY BILLS AND ACVIUBTS WERE SHUT DOWN! AND, THE LATEST, THE ENTIRE WORLD SUFFERED A PANDEMIC AND I HAD TO REFINANCE AND CONSOLIDATE JUST TO MAKE SURE I HAD A CUSHION AND WAS ABLE TO KEEP A ROOF OVER MY FAMILIES HEAD! AND NOW, BECAUSE OF YOUR FAIR REPORTING STANDARDS, YOU HAVE DROPPED MY CREDIT SO XXXX LOW THAT I CANT EVEN GET THE BANK TO LET ME BORROW A PEN TO SIGN MY NAME! WHO THE XXXX DO YOU THINK YOU ARE??? I AM THE POSTER CHILD OF SOMEONE A CREDITOR WOULD LOVE TO GIVE CREDIT TO! I PREACH TO EVERYONE I KNOW ABOUT HOW IMPORTANT IT IS! BUT REALLY, ITS FRAUD AND ITS A HUGE DEFAMATION OF CHARACTER! I AM FURIOUS! ONE LAST THING, I STUDIED DAY AND NIGHT DURING THE SHUTDOWN! I PAID FOR ONLINE TRAINING TO OBTAIN A FEW CERTIFICATIONS I NEEDED! I WROTE A BEAUTIFUL, AND QUITE ELABORATE, BUSINESS PLAN! I CREATED A BUSINESS MODEL THAT WAS COMPLETELY PAPERLESS! ALL INTEGRATIONS AND AUTOMATIONS WERE IN PLACE! I DONT THINK YOU CAN BEGIN TO IMAGINE HOW TIME, EFFORT AND ENERGY I PUT INTO TRYING TO MAKE MY DREAM A REALITY! ALL I NEEDED WAS A SMALL BUSINESS LOAN! I HAVE PUT THE WORK IN THERE TOO! BUT TO MY SURPRISE, MY CREDIT APPEARS TO BE COMPLETE GARBAGE! AND I WILL GIVE YOU ONE GUESS WHAT HAPPENED WITH MY DREAMS OF STARTING MY COMPANY! I CAN HONESTLY SAY, YOU ARE MAKING A DIFFERENCE IN PEOPLES LIVES! A TERRIBLE DIFFERENCE! OH AND IM DISPUTING YOUR FINDINGS, JUST IN CASE YOU MISSED THAT PART! AND I AM HOING TO DISPUTE EVERY INACCURACY ON MY REPORT UNTIL YOU ACTUALLY DO SOMETHING TO RECTIFY THESE PROBLEMS! THIS IS UNBELIEVABLE!
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| 06/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Synchrony bank. They claim I have credit cards for jcpenny, XXXX XXXX, rooms to go. I asked for confirmation of debt. I said let me refresh your memory. A confirmation of debt is all the wet signatures of all transactions. They sent me a bill what you call a statement. That is not a confirmation of debt. Lets see if I understand. You sold the debt to a debt collector for profit. Then you wrote this debt off. I must be confused. This is double payments. Sounds like fraud to me. Why do you spell my name in all caps XXXX XXXX which means dead person or corpation spellings. I am not a dead person. I sent you my fee schedule that states closing a account is a fine of {>= $1,000,000} per occurrence.
I, XXXX, XXXX to said principle XXXX XXXX XXXX hereby accept all titles, rights, and interests owed to principle XXXX XXXX XXXX, I hereby instruct ceo of this account to apply the principle balance to said accounts in every billing cycle, if these instructions can not be honored. Please respond through postal mail giving details of none acceptances, if you do not send anything back it stands that you have accepted my offer and moving forward als. Apply the above instructions.
By : XXXX, XXXX Without recourse ucc 1-308 I, XXXX XXXX : XXXX ; Authorized representative XXXX am sending the coupon of the accused summary to synchrony bank as payment for what I owe. I have recently learned that a coupon is a way of paying according to ucc3-104. I noticed that you have sent me these coupons and ask me to remit another check or money order and then you have redeemed both. That is double dipping of course and is illegal.
I am potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as the payment per ucc3-603 ( b ). If tender of payment of obligation to pay an instrument is made by a person entitled to enforce the instrument and the tender is refused, there of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt.
Here are some definitions to clarify what I am talking about just to refresh State statues if you need a refresher.
A billing statement : is a monthly report that credit card companies issue to credit card holders showing their recent transactions, monthly payments due and other vital information. Billing statements are issued monthly.
Coupon : a coupon or coupon payment is the annual interest rate paid on a bond, exptmressed as a percentage of face value and paid from the issue date and paid until maturity.
Bond bearer : a negotiable instrument payable to the holder.
Volcher : a small printed piece of paper that entitles the holder to a discount, or that may be exchanged for goods or services.
Sincerely and without Ill will, : XXXX XXXX XXXX, beneficiary and authorized representative All rights reserved without prejudice, without recourse
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| 02/27/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
Older American |
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17 months ago, I went to XXXX XXXX to get my existing dentures replaced with new. What brought me there was a promotion they were advertising at the time, for 18 months interest free. The paperwork was completed in the office by the office manager on site then. The office manager assured me I was all set up and ready to go, payments dialed in, done. Not once did he say this was a credit card I was getting into. I tried to contact him at XXXXXXXX XXXX, but he is no longer in there employ. Short story, I left XXXX XXXX with new dentures trusting that everything was done. I even went paperless and set up auto pay with my bank at that time. So, I assumed all was done, I was good to go. I admit I didn't look at my statements. For me it was a onetime deal, my last dentures lasted me 20 years, figure these would make the rest of my life, thought it was only good for my approved dental procedure, nothing more.
Fast forward. I knew I was approaching the end of my promotional period, and totally expected to see1 payment remaining on my balance. To my shock I had a balance of {$1900.00}. About 3/4 of the original balance. I contacted Synchrony, that's a feat in itself, and through a bunch of menus that did not pertain to my issue, I finally got to a " general manager ''. Who informed me it was my responsibility to go in and update my payment to the correct amount to pay the charge off in 18-months. I had no idea and was never told by XXXX XXXX XXXX office manager that this was a credit card, and the payment was set to the minimum amount due, not the minimum amount to pay the charge off in 18 months. The Synchrony general manager went so far as to instruct me on how to figure what my payment should be. Yeah, I get it, simple math, total amount divided by 18. I offered to pay off the full amount, as I know I owe that, I not trying to wiggle out of it, but I wanted them to extend my promotional period for another 18-months on the remaining balance. the first general manager I spoke to at Synchrony said they could not do anything about the account until the present promotion expired, and for me to check back then. At which time I understand I will be responsible for 26.99 % interest from Day 1 of the 18-month promotional period. The second manager at Synchrony didn't mention the expiration date having anything to do with modifying the plan, she instead offered me 1-month extension. At the time I was retired, a year short of getting on Medicare, on a fixed income, and without health insurance.
Now before XX/XX/ 2023 I will have to come up with almost {$2000.00} or I will immediately be charged with almost {$1000.00} in interest. I feel they deceive people who fall into that category of no health insurance and fixed income. There should have been one payment only for that plan, not a minimum that would not satisfy the full amount in 18- months. Like the General manager said. " Total amount divided by 18 ''. At no time was I ever informed that I needed to go and change my payment to the correct amount, until I talked to Synchrony on Monday XXXX-2023
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| 08/15/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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In XXXX of XXXX I got XXXX XXXXXXXX with the XXXX XXXX ( XXXX XXXX XXXX ). Prior to the XXXX I attempted to place the {$4000.00} charge on my XXXX. The finance manager insisted that I use Care Credit instead, as there would be no interest charged. He claimed that the automatic payments would be for two years and then I would be done, no interest.
Fast forward two years, and I have not missed a single payment, and in fact, I have occasionally paid a larger than required monthly payment in hopes of paying off the balance prior to the 2 year period. I still see charges to my bank balance after 2 years and so I check my Care credit account and see that I owe a whopping {$3400.00}.
I call Care Credit customer service and the agent explained to me that the account should have been set up for " equal payments '' not " no interest/deferred interest '' by XXXX XXXX XXXX
My question to her then is, how should I know that? I did not set up the promotion account, the finance manager at XXXX XXXX set up the account, and he was actually acting on behalf of Care Credit/ Synchrony Bank when he set up the account promotion for automatic payments.
I reasonably assumed that he knew what he was doing. He was the one who pushed Care Credit as payment option onto me, with the lure of no interest, I wanted to do XXXX.
The agent at Care Credit, reiterated that she could not do anything about this and essentially I am stuck with the bill, even after inadvertently admitting that this was not my fault.
Apart from the misrepresentations made to me to use Care Credit, here is what is even more troubling about their business practice ; When I made bigger monthly payments of {$500.00} to " chunk down '' my bill, in hopes of paying it off sooner than the 2 years, their payment system automatically recalculated my remaining monthly automatic payment to a lower amount, to ensure that there would be an outstanding balance at the end of the 2 year " no interest period '' as long as my account remained on auto pay. This I find misleading and fraudulent, because the account was supposedly set up to pay off automatically in 2 years, with no interest.
I spoke to several account managers at Care Credit who claim that they could do nothing to help, except refer my case to customer relations. Account manager " XXXX '' was extremely callus, insensitive and abrasive to my situation.
Do note that the cost of the XXXX XXXXXXXX was {$4000.00}. Care Credit has tacked on additional {$2300.00} in interest. which is over 58 % How is this even legal? How is this not XXXX?
I would like for Care Credit/Synchrony Bank to remove this interest penalty from my account and revise their payment system and also train the people that market their products to unsuspecting customers on how to set up the accounts properly.
While I strongly suspect that the system is set up this way to intentionally take advantage of the American consumer, I am patiently waiting to see the outcome of this. Something must be done on a governmental level to penalize this predatory organizational practice.
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| 10/07/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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Senior Specialist, XXXX XXXX, at XXXX XXXX, FL, location wrote a letter regarding my previous complaint trying to legitimize the illegal, unethical practices that resulted in negative reporting on my credit reports. 1 ) This company helped damage my credit beginning last XXXX after they randomly checked my credit, which no company EVER does. It is idiotic and unethical to check my credit when I already had the account. I have NEVER heard of this, NEVER experienced it, and NOTHING justifies this. 2 ) When they checked my credit at that time, they lowered my credit limit from {$1000.00} to {$740.00}, of which XXXX XXXX letter so absurdly & confidently mentions. This was the first step in damaging my credit. 3 ) I called them about this, and a rep was just as cold as she was, acting like it was nothing. This is sick. 4 ) They checked my credit AGAIN without my knowledge in XX/XX/2021 and this time randomly closed my account without my requesting it. XXXX, or whomever responds this time, you " reserve the right to review credit information '' UPON MY REQUEST! You DO NOT have a right to act in a manner that damages my credit reports or anyone else 's for that matter! Again, I have NEVER heard of or experienced such ridiculous, unethical, illegal business practices -- and I've seen others online complain on other sites about this same thing happening to them : damaged credit due to Synchrony randomly closing their accounts without the person 's knowledge and DESPITE on-time monthly payments up until the point they closed the account ( s ). In every instance, ONLY Synchrony is named regarding this BAD BUSINESS PRACTICE! You KNOW this is wrong no matter how well you try to explain it -- and you know the damage it's doing to people 's credit! What legitimate, upright company dismisses a customer 's on-time payments ( which XXXX admits to in the letter attached to the previous complaint ), then proceeds to damage their credit? 5 ) In addition to closing my ( XXXX XXXX XXXX ) account & DAMAGING MY CREDIT, Synchrony has the audacity to CONTINUE TO CALL ME, CONTINUE TO EMAIL ME, CONTINUE TO SEND ME BILLS, and CONTINUE TO TRY TO COLLECT, as if they did nothing and most of all, AS IF MY ACCOUNT IS STILL OPEN. Usually, customers voluntarily call to REQUEST an account review. Usually, even when that voluntary call happens, the creditor doesn't absurdly LOWER that customer 's credit limit. Usually, it's non-paying customers that automatically get their accounts closed -- after the creditor respectfully NOTIFIES the customer of missed payments. That was not the case with me : I was an on-time paying customer ( of which Synchrony didn't care about ) and was not notified beforehand that my credit was being checked and account being closed. This is insane and predatory. I am not giving this company a dime more of my money. I demand that Synchrony 1 ) stop calling me, 2 ) stop writing me, and 3 ) remove the account from my credit reports. That, or I sue for unfair, predatory, deceptive, and fraudulent business practices and damage done to my credit reports.
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| 04/09/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
Servicemember |
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On XX/XX/2021, I purchased appliances from Lowes. They suggested that I open a Lowes store card ( serviced through Synchrony ) to receive 20 % back from the purchase ( {$100.00} maximum, which I met because my purchase was over {$1000.00} ) back from the purchase and 5 % savings on all other purchases. I was planning a few more major purchases, so I signed up for the credit card. I was approved fairly quickly, but then they had issues printing my temporary credit card so that I could use it to make my purchase and receive the {$100.00} back. The store was on the phone with representatives from the credit card company for over an hour trying to get the temporary card printed for my use. They were unsuccessful and I had to forgo the additional savings and use my everyday use credit card.
On XX/XX/2021, I set up access to use my Lowes credit card online. I noticed that my overseas number ( I work in government ) was auto-populating, even though I never provided that number. I ignored it and I made my first purchase with my Lowes credit card. It was an order online, pick up in store purchase. I noticed on the receipt that they only gave me 5 % off the order, not the {$100.00} off the order ( this was another purchase of over {$1000.00} ). When I went to the store later that day, I made additional purchases while I waited for my larger, order online, pick up in store purchase. When I tried to use my Lowes credit card, the clerk told me that my Lowes credit card was declined. He said that he did not know why. I completed the purchase with my everyday use credit card and went to pick up the online order.
The online order payment was also declined due to fraud concerns. I was told by the store that I needed to call the credit card company to sort it out. I spoke with 3 people. The first explained to me that making multiple purchases in one day flagged my account for fraudulent activity. The second, who claimed his name is XXXX, told me that I need to verify my identity by taking a video of myself. sending a photo of my identification, and calling back with the approval. The last woman I spoke to claimed that her name is XXXX and said that I would need to wait for a letter in the mail, which will request that I send them identification and other documentation.
If there was suspected fraudulent activity on my account, I should have been contacted immediately and made aware of the activity. I should not have been made to wait in Lowes for over an hour and have my purchases declined. When I needed to verify my identity, I should have been able to show it to someone at Lowes, not made to send a selfie video to people located who knows where, who didnt even notify me that there were concerns.
So, I was encouraged to open a store credit card and I have been unable to use it. The only impact that opening this store card is to lower my credit score, raise my XXXX XXXX, and waste hours of my time ( plus now having to wait auntie next week for items that I needed the next day, that will now delay my home project because the supplies are limited ).
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| 03/13/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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This complaint involves the misapplication of a payment to a Lowe's/Synchrony Bank account XXXX which resulted in the loss of a promotional interest rate ( 0 % for 24 months ) and interest charges that would not otherwise have been incurred. Below is a time line of relevant events.
[ XX/XX/XXXX ] - Purchase refrigerator for {$2700.00} with 0 % XXXX mo. terms.
[ XX/XX/XXXX ] - closing date for XXXX billing statement, which included {$4200.00} in new, non-promotional charges. There was no previous non-promotional balance, as those charges are paid off monthly to avoid interest. Online payment for {$4000.00} submitted. Payment due date is XX/XX/XXXX.
[ XX/XX/XXXX ] - Online payment of {$400.00} submitted.
[ XX/XX/XXXX ] - closing date for XXXX billing statement. Rather than credit the {$4400.00} in payments to the outstanding non-promotional balance of {$4200.00}, Synchrony applied the payment first to pay off the promotional interest-free balance of {$2100.00} ( for which the 0 % promotion didn't end until XX/XX/XXXX ) and the balance of {$2200.00} to the non-promotional/regular charges, leaving a regular account balance of {$2000.00} after charging {$45.00} in interest XXXX 24.99 % APR ).
[ XXXX XXXX XXXX ] - contacted Synchrony/Lowe 's via phone at XXXX to advise the {$4400.00} payment was misapplied and should have paid off the regular non-promotional balance of {$4200.00} and the remaining {$110.00} should have been applied to the promotional balance. Billing representative indicated they understood what happened and would submit the necessary request to correct the misapplied payment.
[ XX/XX/XXXX ] - closing date for XXXX statement. I had not heard from Synchrony Lowe 's indicating they had made the payment adjustment and didn't consider this unreasonable as only a week or so had passed since I contacted them. This statement includes {$440.00} in new purchases and {$49.00} in interest charges.
[ XX/XX/XXXX ] - submit online payment for {$450.00} to pay off the new purchase balance.
[ XX/XX/XXXX ] - closing date for XXXX statement, which includes {$57.00} in new charges and {$46.00} in interest charges.
[ XXXX ] - initiate online chat with Synchrony Financial to advise my prior request to correct the misapplied payment has not been processed as the promotional balance hasn't been restored and interest continues to accrue on the regular non-promotional balance. The representative understood what happened and indicated he made notes to document everything.
[ XX/XX/XXXX ] - received letter from Synchrony Financial indicating they were unable to accommodate my request because they " are only able to reallocate payments to and from deferred interest promotions. '' This doesn't make sense, as the problem with the misapplied payment involves a deferred interest promotion that was incorrectly paid off with a payment that should have been applied to the regular non-promotional balance from the XX/XX/XXXX statement.
All regular non-promotional balances have been paid in full, and no interest should have been charged.
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| 10/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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In XX/XX/XXXX I discovered my credit score dropped significantly. I checked my credit report and it showed that on XX/XX/XXXX my e-mail address was compromised. On XX/XX/XXXX there changes made to my SSN information. 2 false addresses where added and there was an initial added to my full name. On XX/XX/XXXX my e-mail address was compromised again.
Sometime between those dates, without my knowledge, Synchrony bank upgraded my existing Care Credit card to a XXXX. That card was sent by the bank to the unknown address in XXXX XXXX. I never received this card since Ive lived in XXXX NV since XX/XX/XXXX.
In XX/XX/XXXX that card was used for fraudulent transactions of total over {$27.00}. The account was closed in XX/XX/XXXX.
In this time I had no knowledge about the upgrade to a XXXX. I did not receive it, I did not activate it, I had no online access to this account.
In XXXX I contacted Synchrony Bank about identity theft. I filed a police report, I send it to the bank also providing all the evidence. I included my credit reports, utility bills that prove my current address, timesheet from my work place that proved I was at work in a different city while the fraud was occuring. The Synchrony Bank rejected my claim 3 times, stating that I opened CareCredit account. I corrected them and confirmed that I did opened it. But the fraudulent charges where made on an upgraded XXXX that Ive never received or used.
Bank practices are not customer friendly. Their security system failed and allowed fraudulent charges to be made. After 2 years of not using CareCredit card, they sent me an upgraded XXXX that I did not wanted, didnt apply for it and never received it. In all 3 claims I have not received official mail or e-mail results about the claim. I did not receive any phone calls regarding this matter. Their fraud form is misleading. They where asking if I opened XXXX account. The answer is no. I did open CareCredit account. I did not approve nor I wanted XXXX account. The fraud investigation agent informed me after my call, that the claim was denied because I did open the account. Meanwhile the bank dropped the fraudulent debt from {$27.00} to {$11.00}. They did not explained why. They sent me the list of fraudulent charges that did not add up to the amount of {$27.00}, {$15.00} or {$11.00}. In first claim, although Im supposedly the owner of this card and I used it, the bank denied to provide me with information where the charges where made. They denied information to supposedly my account!
After reviewing the charges, I found proof or payment made for a XXXX XXXX when Im a US Citizen. The car inurance was XXXX, and I have XXXX. The charges included rent in XXXX XXXX location, when Ive lived in a different city since XX/XX/XXXX.
With all the information provided, bank refuses to cooperate with me. The are lacking communication, their forms are misleading and their security system failed. I am left with a debt I didnt create. I am a victim of an identity theft and Synchrony Bank is not an institution that customer can trust and rely on.
|
| 05/18/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
|
Original complaint XXXX They did not answer my demand. Simply stated that they respectfully decline to adhere to federal laws.
I, XXXX XXXX, a federally protected consumer am giving written notice to obligor ( LOWE 'S SYNCHRONY BANK ) 15 USC 1692A ( 3 ) consumer-any natural person obligated OR allegedly obligated to pay any debt 18 USC 8 All debt public and private ( including alleged debt from creditor LOWE 'S SYNCHRONY BANK ) are the obligation of the United States XXXX Stating that the card agreement trumps federal law is a violation-you are not above the law.
15 USC 1692j-Creditor furnishing deceptive forms It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief to collect a debt 15 USC 1666-It is my belief that this statement contains a billing error. I have attached a statement that contains an alleged debt.
15 USC 1666d- Treatment of credit balances As a federally protected consumer, Lowe 's is in violation of my rights. My current balance is over {$1.00}, and I demand the amount be refund any part of the amount of the remaining credit balance, upon request of the consumer ( XXXX XXXX ) ; To be more specific : 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Demanding a refund of {$8100.00} to my account ending in XXXX 15 USC 1666 ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( XXXX ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
Attached is my identification, this stands during any and all correspondence.
XXXX XXXX was the contact that was provided in the previous complaint.
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX. XXXX XX/XX/2006 ) The employees of a debt collector who are engaged in allegedly unlawful misconduct and the collection agency itself are jointly and severely liable for the federal law violations.
|
| 03/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
The Card Security program with Synchrony Bank is a complete scam. I made a complaint previously but the situation has only gotten worse since, with their continued refusal to make a good faith effort to pay claims warranting a new complaint. It's hard to know where to even start. After finally getting the benefit form from Synchrony, which I had to demand MULTIPLE TIMES, they processed my application. It shows that it was approved. I received NO INFORMATION on the approval, I received NO INFORMATION regarding the payments I was approved for and I received NO INFORMATION on any further steps.
The only reason I knew I was approved is because the online portal showed " approved ''. NO FURTHER INFORMATION PROVIDED. I then call into the call center to get more information. The first two times, I get people who are clearly incompetent and can give me no further information. The last call I made, today XX/XX/XXXX, the woman tells me that they will make two additional " courtesy '' payments. She can not tell me the amount of the payments, only that they will post " after my statement closes '' which will be AFTER MY DUE DATE creating a late payment. Apparently, them paying late and putting customers ' credit history at risk IS SO COMMON THAT THEY ADJUST THE LATE FEES BUT DO NOT FIX THE CREDIT REPORT. How horrible is it that people pay for insurance only to find out their credit history may still be harmed? That the company has such a disregard for their customer that they pay late?
Then she told me that there is MORE PAPERWORK to fill out after the 90 days. What paperwork? She can't give me further information now. When will I receive it? She doesn't know. In fact, she looks and it shows in their internal system that I have received NO ADDITIONAL INFORMATION BEYOND A BENEFIT FORM AT ALL. There is no more information to be had except that my payment will post after the statement closing date - making it late for an UNDETERMINED AMOUNT that may even be less than my minimum.
This is the worst part - all agents then advise me that, even though my claim has been approved and, even though their program says they will make the minimum payment - I SHOULD CONTINUE MAKING MINIMUM MONTHLY PAYMENTS ON MY ACCOUNT BECAUSE IF I DON'T THE ACCOUNT MAY DEFAULT. THEY ADMIT THAT THEY ARE A COMPLETE SCAM AND MAY NOT MAKE THE PAYMENTS PROMISED.
This company needs to be shut down. There is no hope. It is my understanding the CFPB has already fined them for this scam, please know they are put this scam on full throttle now, charging a large premium and leaving customers with UNPAID BILLS, LATE PAYMENTS, COPIOUS AMOUNTS OF PAPERWORK AND NO CORRESPONDENCE ON WHAT FURTHER INFORMATION IS NEEDED FOR A CLAIM APPROVAL.
Synchrony should be ashamed of it self for preying on the vulnerable and the CFPB should be ashamed of itself for not shutting them down when it had the chance. I sob sometimes because of what these people have put me through. Please note, I will also be sending a copy of this complaint to my congressman, senators and state representatives.
|
| 02/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
My card was stolen in XXXX and i promptly reported this to XXXX XXXX XXXX via phone. I reported unauthorized charges and provided the police report. I was told I would receive a new card in the mail which they never sent me, allowing me to believe my card remained in good standing. Ive paid my bill on time each and every month not missing a single payment. Ive been attempting to use my card for several days to pay my electric bill and transferred money to my credit card account to do so. However, my virtual card stopped working and I was unable to use this card and finally today learned it was because my account was closed. I was told this was due to overages but again, Ive paid my bill on time each month, and in excess of my bill. I contacted this card about their billing practice of charging me for overages despite me depositing funds then double checking my funds availability via the XXXX XXXX XXXX app prior to making charges and could not get an applicable answer. My issue is that a new card was requested months ago and XXXXXXXX XXXX XXXX used unfair and misleading practices to close my card by waiting until I made a higher than normal deposit, cutting all access to funds off, then sending me a letter closing my account days after they had already stopped me from accessing available funds on my account by prohibiting me from using my virtual card. This also tracks with the manipulated deposit times that XXXX used in order to charge for overages despite the transferred funds being available in my account according to their own app.
I told them I was just getting back on my feet from XXXX and they are fully aware I was XXXX and my purse stolen just weeks before XXXX, I also told them the funds I deposited were for my electric bill which is tied to my rent and I will receive an eviction if this is not paid. I had no reason to request XXXX relief for this account as I had never been late paying this card. My account was never inactive, and I have paid the interest charges in a timely manner despite no clear communication about when these charges have popped up in addition to my regular bill. XXXX XXXX XXXX is kicking Americans while we are down on the heros of a pandemic shortly after the holidays. I was just getting back on my feet and had begun paying off the cards I was unable to keep up with. I dont understand how companies like this got a bail out from the government only to thrive and add billions to their already fat pockets while simultaneously exploiting ways to ensure every day Americans are held down in the dirt by their shady business practices and loopholes in Credit Card laws and regulations?
Im also disappointed to see race is not included in the demographic questionnaire portion of this form given the disparate impact card issuer practices have on historically marginalized communities. Please also note I was unable to upload more than one document and would like to forward additional documents including screen shots, police reports, messages, and recorded voice communications to accompany my complaint.
|
| 07/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I recently relocated from XXXXXXXX XXXX to XXXX XXXX, XXXX XXXX After moving, I signed up for an app to enable me to use the digital parking meters in this area. The app was attached to my PayPal account, which itself has several credit cards attached to it. My primary PayPal card is XXXX XXXX, but for some reason when I signed up for this app, PayPal XXXX XXXX the parking app to my PayPal card, which was issued by Synchrony Bank. ( I never use that card. ) I tested the app in XXXX to see if it worked ; it did.
On XX/XX/XXXX, I received a notice that my credit rating had dropped XXXX points. Alarmed, I checked to find out why. It seems that Synchrony reported me more than 30 days delinquent on paying off that parking charge, which was {$4.00}. With interest and fines, my amount due was now {$12.00}. I never received a bill, phone call, or official notification prior to them reporting this formerly dormant account as delinquent, even though they had my new mailing address. ( I finally did receive a bill on XX/XX/XXXX, four days AFTER I paid by phone and closed all three of my open Synchrony credit accounts. I can not believe that a {$4.00} error can cause a credit score to plunge nearly 100 points, from the 820 range to my present day XXXX. And I struggle to appreciate how Synchrony justifies dunning me without first trying to contact me more directly.
Prior to this run in, I had an earlier run in with them regarding my Amazon XXXX credit card, which they had been managing. I paid that bill in full every month without fail, using my banks electronic bill pay wire service. In XXXX of XXXX I made my full payment the same way I did every month. They initially credited my account, but for some unfathomable reason, they reversed the credit the very next day. Then they began sending me threatening texts claiming my payment was overdue. I called and explained that I had paid and didnt know why they had reversed the charges ; they acted as if I was lying and demanded that I send them proof.
I sent them my bank statement showing that the exact amount had been deducted from my account, through the auto bill pay system, and I included the data about the transfer that I had. They denied it was adequate evidence and refused to credit me for the over {$600.00}. Id already paid. I next had to go into the bank and have them research the transaction, provide me with a printout of their wire transfer statement, and then again mail them the physical proof that they had indeed made an error. Finally in XXXX of XXXX they worked it all out and properly credited my account, though I received no apology for the original error. After this latest {$4.00} fiasco ( I literally charge thousands on my XXXX every month with zero issues over 40+ years of relationship ) I opted to close all my Synchrony accounts and to never do business with them again. None of which resolves my current credit rating dunning over a paltry {$4.00} parking meter usage. It just frosts me that something so trivial is able to have such a major financial impact on my life.
|
| 02/22/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX, XXXX has been trying to collect a couple of debts that was originally from XXXX XXXX. I have been disputing these claims since the very beginning, and there should be record of most of my communications with them. The communication started through XXXX XXXX, and then I continued communication on my own behalf. I also have been disputing the information directly with the credit bureaus, XXXX, XXXX.
I believe the debt amount they are trying to collect and report on my credit report are inaccurate and in violation of the Fair Credit Reporting Act.
The first account is from XXXX XXXX / XXXX and the amount XXXX started reporting was for {$1300.00}. XXXX started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to XXXX was an account statement on XX/XX/XXXX and the account balance reported to me was {$1300.00}. As of today, XX/XX/XXXX, the amount XXXX is reporting is {$1400.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts.
The second account is from XXXX and was an XXXX XXXX card and the amount XXXX started reporting was for {$880.00}. XXXX started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to XXXX was an account statement on XX/XX/XXXX and the account balance reported to me was {$690.00}. As of today, XX/XX/XXXX, the amount XXXX is reporting is {$990.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts.
The bigger issue here, however, is when I contacted XXXX XXXX, on XX/XX/XXXX at XXXX, directly to try and confirm that the balance being reported by XXXX XXXX accurate, they told me that they do not have access to my files anymore since they sold it to XXXX XXXX This is an IMMEDIATE red flag. I have been challenging a lot of other misreported information on my credit report and all the other companies were able to provide me with requested information. What company would not keep records of their own debts? Even if the debt has been sold to a debt collector?
XXXX told me that I have to contact XXXX directly to get my balance and confirm any amounts. RED FLAG. This sounds like a CONFLICT OF INTEREST to me. How am I supposed to expect to receive fair and accurate information, from a 3rd party company, that I believe is trying to collect an inaccurate amount, that is MORE than the original debt owed to the original creditor? The company that has financial motive and the company that would PROFIT by charging me a lot more than the original debt in which they probably bought for pennies on the dollar from XXXX XXXX!
I do not see how this can be fair and I do not see how this information can be properly verified now. I would love for XXXX, XXXX, and XXXX to investigate the issue at hand with XXXX XXXX, XXXX.
|
| 01/08/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2019 I was passing by the XXXX XXXX in XXXX XXXX XXXX in Virginia without any intention of buying anything, waiting for my in-laws to finish with their eye exam with doctor that I took them there. The seller named XXXX came along and started with her advertisements, better to say her lies, that their products are on huge discount of % 82. While I was looking at a bracelet she took it out without me asking her to do that, and she said " for example this bracelet actual price is {$12000.00}, and now is {$2900.00}. I just want to skip how hard she pushed to convince me by buying this piece is like winning a lottery or hitting a jack pot or whatever you want to name it, and moreover she even told me that I can get the full refund if I am not happy. Finally, I gave up and accepted to buy it, but while started to sign the documents my in-laws came out and they did not know where I am that I had to run out of store to let them know where I am. In this intense situation I told her that I am not paying attention what I am signing, she told me do not worry I'll tell you and stupidly I trusted her. I did not even notice what they are giving me as a certificate of jewelry. When I got home first I noticed the unworthy Piece of cardboard that is not representing a jewelry with value of {$13000.00} then I noticed that she stamped on my signature as final and non refundable, at first I thought it was there and I have not noticed it but later with more paying attention I noticed she has stamped it later. I called them and complained about it to one of the sellers, she told me come to the store. With all these suspicious things that happened, I got the piece to 5 other jewelers to get their opinions about the value, they said this piece is hardly {$1700.00}. Now Synchrony Bank although I explained to them the whole situation, they have closed the case to the favor of merchant without telling me and charging me for delayed fee. They claim that they have sent me the letter. On XXXX XXXX I called and told them I have not received any letter, and asked for dispute then left the country for a family emergency until XX/XX/XXXX and let them know that I am leaving. When I returned, called them on XX/XX/XXXX I noticed again they have not do any investigation on the complaint, has opened it and charged me for late fee and not sent any letter either. I called them again and talked to them they apologized they said they are going to open the dispute case and asked for 30 days. After 2 weeks I called to check upon the case. I found out not only they have not opened the dispute case but also they still did not send the letter and charged me with additional delayed fee. Asked them to remove the delayed fee and open the case again and let me know about the result. Check with them today after 1 week, again the same thing, as if they are playing a game with me. I am convinced now that they they don't want to work with me on this matter, although it is very obvious that I am scammed by the merchant. I want CFPB to protect me and my rights Please.
|
| 10/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
PayPal is attempting to collect on a NONEXISTENT DEBT, ARISING FROM A {$1400.00} XXXX XXXX XXXX PURCHASED ON XX/XX/XXXX. The debt was extinguished as a result of {$1400.00} BEING REFUNDED BY XXXX XXXX IN THE AMOUNT OF $ XXXX ON XXXX XXXX XXXXXXXX AND XXXX XXXX ON XXXX XXXX XXXXXXXX, AS PER PAYPAL 'S OWN RECORDS. Worse yet, PAYPAL, THE CREDITOR, CREATED A FAKE CHARGE OF {$1400.00}, THE SAME AMOUNT THAT WAS ALREADY REFUNDED back to PayPal for an alleged purchase FROM MERCHANT ... PAYPAL IN AN ATTEMPT TO COLLECT A NONEXISTING DEBT AGAINST MY ACCOUNT FOR {$1400.00}, starting on XX/XX/XXXX, approximately four months later. To this day, PAYPAL CONTINUES TO COLLECT ON THIS DEBT AND CONTINUES TO ADD INTEREST TO THIS FASLE DEBT.
PayPal is attempting to collect on a XX/XX/XXXX debt in the amount of {$1400.00} for a first-class plane ticket from XXXX XXXX , despite the ticket being fully refunded by XXXX XXXX as per PayPal 's own records on XX/XX/XXXX, partially applied to the purchase on XX/XX/XXXX ( {$120.00} for a seat upgrade ), then fully refunded on XX/XX/XXXX. The original ticket was canceled as I was attempting to coordinate with someone else.
The first-class ticket purchase was no longer needed as I rescheduled the flight for a premium seat at a cheaper cost of ( {$1400.00} - ( new cost of seat + {$120.00} ). Thus, some funds were applied to the rescheduled ticket and the excess of the funds were refunded to PayPal.
The rescheduled ticket was soon thereafter changed so I could sit next to a friend on the same flight. He later decided to leave from the XXXX XXXX. Since I was again a solo traveler that could fly in first-class alone, I wanted a first-class ticket, but didn't want to use PayPal credit for the purchase. I had more than XXXX. In order to book a flight for first-class with money and points, I would need to cancel the rescheduled ticket entirely and purchase a different ticket. On XX/XX/XXXX, I purchase a different ticket WITH MY DEBIT CARD ending in XXXX and use XXXX points for a new first-class flight.
When I did cancel the rescheduled ticket on XX/XX/XXXX, 16 days later, this resulted in {$680.00}, amounting to the entire amount of {$1400.00}, being fully refunded to PayPal according to PayPal 's own records and account statements.
Worse yet, PayPal, after acknowledging the the debt had been paid off reinstated the debt by charging my account with a fake credit card charge that has been fully refunded by unilaterally creating a fake charge months later on my account. Four months later on XX/XX/XXXX, a brand new charge appeared on my credit with the merchant listed as PayPal and the charge amounting to {$1400.00}, the same amount as the original debt refunded to PayPal.
PayPal has refused to validate, delete, investigate, or reconsider the debt. Despite the phone calls, correspondences, and written evidence, INCLUDING DOCUMENTS AND RECORDS FROM PAYPAL ITSELF, PayPal refuses to correct its mistake and restore my account, so that it will reflect the truth : a credit card debt of {$0.00} with PayPal.
|
| 10/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have been having an issue where bills post far too late into a cycle for my own comfort. While the due date is always the XXXX of each month, and payment made after the due date and before the bill is posted gets reflected to the previous month so there have been occasions where I have been " late '' because I paid too early. This is problematic because I shouldn't be considered late because I pay before they want me to.
As best as I can gather, they generate the bill on the XXXX of each month which I then can see by the XXXX of each month. Even if I always saw it on the XXXX though this date is not always legal.
" Under federal law, a credit card issuer must establish procedures to ensure that statements are mailed to cardholders at least 21 days before a payment is due.However, sometimes there may be a delay in mail delivery, resulting in your statement arriving later than usual. '' In practice this means that on the date that the bill is posted to the account the bill must be due in 22 days or more since " 21 days before the due date '' is the same as saying that the due date is in 22 days.
On a month with 31 days, having the bill post on the XXXX means that I will have 23 days. Scummy, but legal. On a month with 30 days I will have 22 days, but since I don't always get to see this when I check on the XXXX ( possibly because of the time they post it? ) this isn't always legal since the law isn't about when they generate the bill, but when they SEND the bill, and since these bills are sent electronically there is no allowance for a time delay like they'd get with a printed bill.
Of course, on a month like XXXX which has XXXX or XXXX days they are always in violation. If the bill posts on the XXXX of XXXX I will only have XXXX or XXXX days to pay ( depending on what year it is ) which in either case is less than XXXX days and is therefore illegal.
I tried reaching out to them to request that they make my date post earlier in the cycle mentioning that I know people whose bill posts a few days earlier which would always be legally compliant, but I couldn't get anywhere.
I tried their secure message system, but aside from only having a limit of 500 characters I am unable to send any messages to them ( whereas I can through XXXX 's system ). I just get the error, " There is a problem with the information you provided. Please go back and try again. '' no matter which browser I use.
I tried their chat system as well. First I encountered a bot with only 6 available responses and would only ever say : " Oops! My wires got crossed for a second. I may have missed something. Can you please try again? '' But eventually it transferred me to what I thought was a real person, but half of what I said would get cut off and the AI would again say : " Oops! My wires got crossed for a second. I may have missed something. Can you please try again? '' Which indicated, to me, that I was still talking to an AI. I had to copy and paste repeatedly to get anything to go through and in the end the bot couldn't help me anyway.
|
| 10/24/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
In about XXXX XXXX, I went to XXXX XXXX XXXX for XXXX XXXX which they said is free and complimentary. They took some photos. No consultation was provided, I didn't see any doctor. They didn't tell me any process nor procedure about how my teeth will be fixed. They asked for my insurance, and I informed them that I didn't have any.
They provided me with a XXXX speaking agent which made me uncomfortable and she forced me to sign a paper saying that it's only for care credit application because I don't have any insurance. Even though I specifically informed them I'm NOT ready for their services. She assured me that I will not be charged until I decide. Though this was my limited understanding from a language I don't speak nor fully understand.
I was charged XXXX $ for complimentary XXXX with doctors and other reports which they claim for free as complimentary services on their website. No doctor ever checked my mouth nor my complicated case for aligners.
I discovered through other online complaints that they were about to sell me retainers for the price of aligners. And that they have conducted similar fraud of XXXX $ and XXXX $ under the garb of complimentary services.
The agent made me sign a paper while distracting me about care credit process in a language I don't understand. She forced me to sign the care credit application without explanation and without any doctor 's services. According to them, I signed a contract while I was signing the care credit application. How can I sign a contract under credit card application without my knowledge which was apparently explained to me in a language unknown to me? I requested an English speaking agent about which they were rude.
They provide a fake invoice for services which was listed as free and complimentary on their website at the time of my visit.
Complimentary Services as mentioned on their website are provided from sales representative who claim to be doctors.
After many visits, requests, phone calls and multiple emails they sent me a fake invoice. I request to receive my XXXX $ back from them which they charged without my knowledge.
A branch manager named XXXX is well aware of the fraud and had promised to call back with a resolution after our last conversation on XX/XX/XXXX. We have followed up multiple times since then via phone and email but she continues to avoid us and they continue to provide the fake invoice and fraudulent contract.
I guess care credit is in collusion with then because despite having provided them with all the evidence of this fraud, they continue to bill us and don't dispute our case as required.
They also tried to cheat my wife by first saying she needs XXXX for XXXX $ and then need braces for XXXX . No doctor was provided. Their confusion and our language barrier was one of the reasons we didn't want to sign a contract. But they claim we signed a contract. We are not sure how we signed this supposed contract when we were told that we are only signing care credit application due to none of us having an insurance.
|
| 08/03/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I applied for an Amazon store card on the XX/XX/2019. I had a filled cart with about 1,900 dollars worth of stuff to price compare it vs other places to find the best deal. When I looked through my chart to ensure I had everything I wanted, the top had a special offer saying finance this payment over 12months with no interest! Apply now! I decided being able to get a card that lets me finance everything I wanted at one time at Amazon I'd be willing to invest in getting a card like that ( Credit score wise ). Let 's me buy my bulk of my yearly Amazon purchases, then pay it off in 4-6months rather than shopping sporadically. Specifically stated only works on Amazon related products. NOT Amazon manufactured products only. My understanding was it would work to finance any payment that you could get with Prime that was sold directly by Amazon. Especially since the top of the cart specifically stated it would let me finance this order that way. Upon getting approval for the card I went through with the transaction and choose the special financing option that specifically said it allows me to make equal payments over 12 months with 0 % interest. My order went through and I received my e-mails letting me know when everything was going to be shipped. About 4 hours later I get an e-mail from Amazon support wanting to verify my billing information, by asking me to provide my full name, billing address, and the card used in the transaction. They also informed me they locked my entire account. I could not even log into the account to do a live support chat, and they completely removed the order from my account. The only evidence I have that I ever purchased anything with the card is through the order confirmation e-mails. Upon getting my account reactivated 24 hours later I find that the store card is completely removed from my account and XXXX sends me an alert that there has been a change to my account showcasing that I requested a retail loan from Amazon. As of XX/XX/2019 I had a XXXX score of XXXX. There should be little to no reason I am EVER declined for a loan of any kind that is less than 2,000. Unfortunately it appears that the card does not actually work as advertised to me. I was told it was usable right away and the card was directly added to my account after being approved. Rather than being able to finance a payment to pay it all off in 4-5 months it directly notified Amazon to lock my entire account and remove the card from it. I can't even add it back to my Amazon account. It was also my preferred payment method so it didn't even charge my backup card, which could of easily covered the order. So now I'm stuck with an Amazon store card that doesn't work as advertised to me, a card that I and Amazon support can not even add BACK to my account for 7-10 business days. The only value it has is 5 % cash back on Amazon purchases but that is utterly worthless considering I have a cashback card from XXXX that does the exact same thing. Live and learn I guess, just be super careful taking out an Amazon store card!
|
| 12/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I went into XXXX XXXX in XXXX AZ on XXXX XXXX to choose a new couch I needed for my apartment. I chose one and when it was delivered a few days later I saw that the couch material was in bad shape, strings were coming out and it looked bad. I called them and they agreed to send out a technician to take a look at it. Technician came out and agreed it was in bad shape. He said that someone from the store would reach out after he submits the findings. In the next couple of days the store called and said that I can get a refund and they would pick up the couch, or I can go into the store and choose another couch. I went with the second option and went into to the store to choose another couch. This time this new couch I picked was double the price about {$1100.00} and the old couch was {$520.00}. They said the new couch would be delivered around XXXX XXXX, I said ok and they told me I didnt have to make a payment until I receive my new couch and the new balance would reflect on my Synchrony bank account once the new couch was delivered. I said okay and asked them if they can pick up the couch I have now which I didn't need it was in bad shape, they said " oh no its ok, keep it and we will just pick it up the same day of the delivery. '' I said ok. But I guess they expected me to pay on the couch that is NO LONGER mine when I purchased a new one, mind you, they STILL have not fulfilled there agreement on delivering the new couch. First i was told XX/XX/XXXX, then I was told it will arrive beginning of XXXX between the XXXX, and now its XX/XX/XXXX and I STILL DON'T have the couch, I've called them to ask and they couldn't see why its taking long. And no one has returned my call. I've asked them to take the old couch and they refused. I did not know synchrony was expecting me to pay for something I switched out and is no longer my property. I've worked extremely hard to build my credit. Very very hard, and when my credit score updated this month it dropped down XXXX points! I called Synchrony and disputed it and even the guy I talk to said I should not have been expected to pay or sent to collections for " late payment '' I didnt even know I had a payment. I'm very frustrated and I want this off of my credit report. XXXX XXXX has not even given me the couch I purchased, so what am I paying for? they sent me to collection for {$66.00} dollars and I'm really upset. and has greatly affected my credit. Please help me. On XX/XX/XXXX my XXXX XXXX XXXX and I got into a bad car accident, a careless lady failed to stop at a stop sign and hit us, my car is totalled and soon I would like to buy a new car, but with my credit score going down drastically it has really affected the quality of my life. I will never do business with Synchrony bank ever again. If you look at my credit history, you will not fine ONE bad unpaid debt or a bad history of payment, please please help me take this off of my credit report. Also I signed in and paid it off ANYWAY, which I shouldnt have, I just want this off my report please.
|
| 04/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/XXXX, I opened a Walmart credit card in response to an offer for a {$100.00} statement credit when opening the account. I used the card and credit to buy a bicycle for my daughter. After the {$100.00} credit was applied, I paid the balance off within a couple months and never used the card. This particular account is showing closed on XX/XX/XXXX and having a last payment date of XX/XX/XXXX.
I believe this account was sold to another lender/servicer and was transferred over around this time. When the account was transferred, a new entry was created on my credit report. This new entry for an account with Synchrony Bank/Walmart DC indicates it was opened in XX/XX/XXXX. This account also shows it is closed with a {$0.00} balance, but it has a 30-day late payment in XXXX of XXXX. This is not correct. I have only had one credit card with Walmart and I paid it off within a few months.
I have disputed this twice with XXXX and XXXX as recently as XX/XX/XXXX with XXXX. The dispute report indicated that the information was verified as accurate. XXXX provided me with a phone number to call to dispute with the credit card company. Synchrony Bank/Walmart DC XXXX XXXX XXXX XXXX. After waiting on hold for an hour, I finally connected with someone at this number. They told there is no record of this account on their system. They suggested I call XXXX. They said the account had been sold to XXXX. They gave me a number for the XXXX Walmart servicing division. I called XXXX and they said they have no record of this account their system. They suggested I call the Synchrony Bank Walmart Master Card division and provided me a number. I waited 1.5 hours on hold before being told that this account does not exist in their system. After insisting on speaking to a manager, I was told by a manager that they could see that I had accounts at one time, but had no information on the accounts. Basically they had no suggestion for what I should do.
I called XXXX to ask to be connected directly with the company that verified the information to be accurate on my credit report. I was told by XXXX that they can not do that. They told me this was done electronically and there was not a person with whom I could connect. XXXX said I could dispute it again, but I don't really want to do the same thing a third time. That is insane.
When speaking to a manager at XXXX, we discussed how this account may have been created. I believe it was created when an old account was sold to another credit card company. The Synchrony Bank/Walmart DC account showing a 30-day late payment is not my account and I believe it to be fraudulent created. That is the only explanation. I don't understand why a card company would sell a closed {$0.00} balance account to another company.
I have no way of getting this corrected on my credit bureau and it is impacting my credit score. I work very hard to keep my accounts current and it is extremely frustrating to be so helpless in this situation.
I just want to get this corrected and off of my credit report.
|
| 08/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I had a credit account with CareCredit since the XX/XX/XXXX. I have been making payments on time, and everything was normal. On the XX/XX/XXXX, I got a new card in the mail from CareCredit. The letter said " Activate Your New Card by XX/XX/XXXX! '' and " it replaces your current CareCredit credit card. '' I noticed that this card had an RFID chip that is becoming the industry standard to change over to. I put the letter in my to-do pile. On the XX/XX/XXXX I got to the task. I simply followed the instructions as I was told to do. I called the number, entered the pin, and destroyed my current card as this card would be replacing it. I have done this with my debit card, and two other credit cards when they sent me new RFID cards to replace my magnet strip only cards. On the XX/XX/XXXX, I received a credit alert that I had a Hard Inquiry, and my score dropped from Excellent to Good. I saw the inquiry was by Care Credit. My heart began to race and I quickly navigated to the CareCredit website and logged into my account. I saw that my original account had been closed, and that I had a new account with them. My heart now dropped. I was devastated. I thought what great mistake have I made, blaming myself. I thought myself to be a fool. I raced over to my file cabinet a retrieved the letter. That's when I noticed it was unlike other new account offer letters I had received in the past. The wordage voiced commands that prompted me to follow instruction. It was Extremely unclear that I would be closing my current account. It was Extremely unclear that this would be opening a new credit account and transferring my balance. I then realized that It was by the choice of wordage by the marketing team at CareCredit that I was led to believe this new card was simply a physical replacement for my existing card. I felt ashamed and embarrassed for falling for a trick. I had been bamboozled into closing a credit account with a {$4900.00} credit limit, only to simultaneously re-open a new credit account with a {$4900.00} credit limit with the very same company and have my balance transferred. One does not need a Bachelors Degree in Economics to see that this is a bad deal if they are given the information as plainly as this. But the thing is, I do have a XXXX XXXX XXXX XXXX, which is why I felt even further disheartened for falling for such a deceitful trick. I also wondered, if this marketing sham had affected me with my educational background, how many others out there are being financially harmed in the same manner? I called CareCredit, and spoke to XXXX, Manager ID XXXX, he told me that " in the hundreds of times people have called him to complain about this, he has never been able to do anything for them. '' I frantically began to research on what I could do and discovered the existence of the Consumer Financial Protection Bureau. I felt as if I could breathe once more. I needed to take unscheduled paid time off work the following day as a XXXX XXXX would accurately describe my evening of discovering that I had been duped.
|
| 01/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to you because of the way a recent fraudulent account in my name has been handled by the Synchrony Bank Investigations Department. In XX/XX/XXXX, I became aware of a PayPal credit card account that was opened in my name through Synchrony bank. I immediately contacted the bank, filed an Identity Theft Report, placed a fraud alert on my account, and froze my credit. The representative I spoke with assured me that the account would be closed and removed from my credit report.
A few days later, I received a form to fill out. I filled the form out. The form states We assure you that we will do everything we can to resolve this problem with as little inconvenience to you as possible. Returning a completed copy of this form will assist us in accurately researching and resolving your claim. I returned the form, the account was no longer listed on my credit report, and I assumed the matter was resolved.
You can imagine my surprise when I received notice through a credit monitoring service that my score dropped 73 points in one day. When I looked, the drop was due to the account reappearing on my credit report. When I called Synchrony Bank, I was informed that the investigation had determined that the account was not fraudulent because someone had made payments on it.
I am not an investigator, but I would think that any half-witted criminal that just opened a brand new credit card would be willing to pay the minimum balance each month in order to be able to rack up another {$6000.00} in charges. That was the sole reason it was determined to not be fraudulent. I am enraged. Facts ignored by the investigation : The account was opened under a name that I havent used legally since XX/XX/XXXX.
The account was opened in Tennessee, a state that I havent lived or even set foot in since XX/XX/XXXX.
Looking at my credit report, you will see that I have only used one credit card for over a decade. The card is paid in full each month. I do not open accounts frequently or carry balances over.
I was a victim of the XXXX Data Breach, along with 143 million others. Synchrony needs to do better to verify the identity of customers BEFORE issuing cards, and actually INVESTIGATE when someone reports they are a victim of identity theft.
I was further disappointed when the first customer representative I spoke with told me it was against policy to remove the account while you re- investigate. I am in the process of applying for a mortgage and the incompetent investigation dropped my credit from Excellent to Good, potentially costing me thousands of dollars, and the representative was of no help and showed no sympathy or understanding.
I finally, after three phone calls, was able to speak to someone that told me the account would be removed from my report. As of this writing, it is still reported on my credit. I have disputed the information with the credit bureaus, however my credit score is still affected.
I am requesting that the account be removed from my credit report while they undergo a 2nd investigation.
|
| 07/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
Older American, Servicemember |
|
I have had a zero percent " Care Credit '' card owned by Synchrony Bank for several years that I've used to pay for dental care. I've always paid my monthly bills and have never had any problems with this card or bank. Today I received a new " Care Credit '' card in the mail. Assuming that I just needed to activate it, I did so. When I went to cut up the old card, I noticed that the expiration date XX/XX/22. I called Synchrony customer service and was informed that I had just activated an actual Master Card that is owned by Synchrony Bank and that while I could still use it to pay for dental care services with providers that accepted Care Credit with the same conditions of zero percent credit if paid monthly over 12 months, that I now also had a Mastercard which had other benefits but at interest rates as describe in the terms and conditions.
I said that it wasn't clear that I was activating a totally different account, that the there was no information provided stating that I was not opening a brand new Mastercard credit card when I accessed the automated system to activate, and there was no information provided on the automated system stating that there would be no impact to my credit rating/credit report once I activated the card. I actually had to speak to several customer service agents to finally find out that since this was just an " upgrade '' to my existing account ( that too was not mentioned in the automated activation prompts ) that there would be no impact on my credit rating as a result of the upgrade.
I then asked if I could terminate the Mastercard version of my Care Credit and was told that that was not possible to revert to the original account and if I closed the Mastercard upgrade, I'd be closing the entire account. I do have a email into Synchrony corporate but was told I'd have to wait 10-14 days for a response.
This seems like deceptive advertising, not fully informing consumer that they are not just activating a new card for the same account but instead upgrading to a totally new credit card. Even their terms and conditions mentions nothing about these upgrade nuances or about the fact that the customer 's credit rating would not be impacted. It seems like Synchrony needs to let customers know in the actual activation prompts that the customer is activating a totally new upgraded account and that this will have no impact on their credit rating.
One additional item - the activation prompts DO ask the customer if they want to increase their credit limit and then ask for income information. This seems totally inappropriate to be asking customers, especially those who may be elderly and inclined to share information without knowing what they are doing. Instead, increasing the credit limit should be more totally informed process whereby a live Synchrony agent discusses any income information.
Thank you for representing consumer rights!
and that told that since I activated the new " Care Credit Master Card '', I could not reverse the activation and terminate the new account
|
| 08/04/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
I just want to send a letter regarding the bizarre and incredible lack of continuity I have received from Synchrony Bank in relation to a recent ID theft.
Approximately XX/XX/2015 I sent a fax to Synchrony Bank requesting that my wife be added to my Gap at at Synchrony Bank.
Approximately a week later I started receiving alerts from XXXX about activity on my account. XXXX is a credit monitoring service.
I called Chevron/Synchrony and a fraudulent account had been opened in my name. The fraud department representative I first spoke with was named XXXX. He was aggressive and unusually improper with how he handled the situation, he threatened me saying that if I did not give him my mothers maiden name I would be held responsible for all ongoing charges to the new account. It seemed very improper to me so I got off the phone and contacted XXXX for help.
XXXX contacted Synchrony again and stayed on the line while I went through the process of closing all accounts due to fraudulent activity. I had to speak with XXXX different representatives at Synchrony. XXXX of them were outsourced and very difficult to deal with.
I then received an email from Synchrony Bank dated XX/XX/2015 that stated my wife had been successfully added to the Gap account. I noticed that the address on the email pdf was not mine.
XXXX XXXX XXXX, CA XXXXI called Synchrony again and reported the address change. The key here is that the correspondence was regarding the Gap card, but what I know know is that whoever stole the info was somewhere in-between the Gap card request made via fax and the Chevron Visa cards that were created fraudulently.
The next day I received XXXX credit cards from Chevron/Synchrony Bank with XXXX different names on them. XXXX with my name on it and XXXX with complete strangers.
I called Synchrony Bank and alerted them to the situation, I spoke with fraud CSR XXXX ID XXXX. She gathered all the fraudulent credit card info, names and address of fraudulent cards and transferred me to the lost and stolen card department to have the account closed. She explained that the account had not been closed previously, the it was indicted that I had contacted Synchrony to dispute charges, not to confirm fraudulent activity. It is untrue and incorrect and your recorded customer service lines will prove that.
I then received a statement with charges amounting to {$4300.00} and called Synchrony again, this time spoke with fraud CSR XXXX who explained that the account was indeed closed, to disregard all statements of activity and that I would receive a fraud claim affidavit to sign and return and in approximately 30 days a final fraud resolution letter.
The troubles and misinformation I am having with Synchrony surpass anything I could imagine from a credit company and I have chosen to close my only other Synchrony Bank account which was a Gap account.
As soon as I receive an acknowledgment from Synchrony of any kind I will open a police report and encourage them to be in touch with Synchrony as soon as possible.
|
| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Sync care credit Are violating the fair credit reporting act on the fair debt collection practices they are sending my personal information to an address in XXXX that I have never lived at in my life on this information they listed my XXXX Social Security number my XXXX cell phone number my XXXX date of birth the fact of the XXXX matter is they also disclosed what they claim I owe them as debt to someone I dont live with or know The collection company they used was called XXXX, XXXX is Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I prove that they try to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and sync care credit wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I proved it they tried to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and sink care credit wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Them for violations because of multiple collections they were involved on for fraudulent collection before they return want to put false information on my credit report and want to send personal information to an address in XXXX I have never lived that in my life as well as violations even further by giving my personal XXXX information to the people at that address as well as disclosing supposed debt which is another violation, these XXXX XXXX at Synccare credit and XXXX are now going to get XXXX sued for sending my personal XXXX information to a place Ive never XXXX lived at in my life, that as well as disclosing supposed debt which is another violation I will be contacting an attorney and you can XXXX my XXXX XXXX you XXXX XXXX you XXXX XXXX XXXX XXXX give my personal information somewhere Ive never XXXX lived you XXXX Im telling you right now if anyone at that address tries using my information not only am I gon na XXXX sue you I will XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Ill XXXX XXXX XXXX XXXX XXXXXXXX
|
| 09/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I bought a mattress with a 0 % APR over 3 years with GE/Synchrony. I had the account set on auto-pay, believing that the amount determined would pay off the loan within the three allotted years. Then, one month prior to when this time period ended, I received this letter : " Thank you for using recurring payments to make payments on your XXXX XXXX/SYNCHRONY BANK account. The amount of your upcoming payment for the account stated above, has changed from what was previously disclosed in the Cardholder News and Information section of your last billing statement. This decrease is due to recent activity on your account since your last billing statement.
Your new payment amount is {$0.00} and will be posted on XX/XX/XXXX.
If the new payment amount above is greater than XX/XX/XXXX, the payment will be deducted from your bank account on the scheduled date which you previously specified. If the new payment amount noted above is {$0.00}, it may be because recent activity or additional payments have reduced the payment amount due. It may also be because you have discontinued your automatic payments. If you have discontinued your automatic payments, please refer to the Payment Information section on your billing statement to determine the required payment due. '' Please note that I had not logged onto my account since I created it and set up the autopay. I was led to believe that my loan had been paid of and no longer looked at the account after I received this letter. However, I found out yesterday that the entire balance was not paid off on my account had jumped from {$1000.00} to {$4000.00} from one statement to the next, and that I have been charged $ 150+ since XX/XX/XXXX and that I still have a balance of over {$4000.00}.
I called the credit card company, and they were insistent that my invoice for the following month would have mentioned that my notice saying that the 0 % APR promotional period was ending, but they were unable to procure the statement that purportedly said this and there are no online records that are accessible from XX/XX/XXXX. Moreover, no explanations could be provided for why I received the aforementioned letter above which said that my new account payment was reduced to {$0.00} ( not by my own doing since I had not logged onto the account since I was required to create one ).
I believe that this is a scam and the bank has knowingly misled consumers. All I want to do is pay off my original principal and not an extra {$6000.00} in interest that I was not even aware of! I had been abroad and traveling since XX/XX/XXXX and was unaware of what was happening until now. Again, I RECEIVED NO NOTICE AT ALL THAT THE 0 % APR promotional period was about to end, and now I have already paid {$2000.00} in interest and owe more than {$4000.00} more in interest on a mattress that originally cost {$4000.00}. If I had known this were the case, I could have easily paid off any remaining principal if I had any notification at all.
I believe the credit card company did this on purpose to mislead consumers.
|
| 08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Early in XXXX I received a notification that a new inquiry appeared on my credit report. Indeed, an inquiry by XXXX via XXXX was requested on XX/XX/2022 for the permissible purpose of a credit transaction. A credit application had been submitted by someone else using my maiden name and social security number.
XX/XX/2022 I contacted XXXX for dispute instructions, and then XXXX at the given phone. The representative said they'd send the deletion letter directly to XXXX and then the charge would fall off. He said they could not send a letter to me and that small companies probably do send letters, but that they only send it directly to the bureau. He said it could take 30 days but suggested waiting until early may because reports get updated early in the month.
XX/XX/2022 I contacted XXXX / SYNCHRONY BANK about a letter I received in the mail indicating they could not locate my account with the information provided and that in order to handle my request they needed my account number - found either on my credit card, billing statement, or credit report. Obviously I do not have an account number. I spoke with XXXX who first said I should contact the bureau, and when I insisted I needed a deletion letter she said she " couldn't find me '' and so it must have fallen off already. She eventually transferred me to XXXX in the fraud department, who confirmed an inquiry using my maiden name. She " resubmitted '' the deletion letter. She said it would take 30-60 days, so XX/XX/XXXX for a possible XXXX update.
XX/XX/2022 I contacted XXXX / SYNCHRONY BANK to follow up again. I spoke with XXXX, who said he'd follow up with the right department and eventually transferred me to XXXX. She confirmed with bureau was showing the inquiry and my last name ( maiden name ) and said the XXXX request went to the wrong agency and that she would send a request to XXXX that day. Said it would be 30-60 days.
XX/XX/2022 I followed up with XXXX / SYNCHRONY BANK yet again. I was transferred several times and disconnected twice. Eventually I got to XXXX, who logged into the application database to see what was on file and said an application was processed in XXXX but never decisioned - " interesting. '' He transferred me to XXXX on the fraud team. XXXX said she would follow up. I asked her for a copy of the deletion letter and she said they always send XXXX - but I've never received XXXX and a rep in the past said they don't send them to customers. I shared this and that I'd really like XXXX. She confirmed my address- the one they already had on file for me was not mine.
XX/XX/2022 I also contacted XXXX again, this time by chat. I asked if there was any way they could have received the deletion letters and just not updated my report. The rep couldn't say - only that the maintenance department would know that and they can only provide that number to subscribers and lenders ( and can't make outbound calls ).
At this point - 6 months later, I don't trust XXXX / SYNCHRONY BANK or XXXX to resolve this without additional support.
|
| 12/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Unfair treatment by Synchrony Bank regarding a {$15000.00} disputed amount, despite irrefutable evidence provided by us. Synchrony has repeatedly sided with the " merchant '', despite evidence we have provided and despite us refuting the evidence provided by the merchant.
XX/XX/XXXX : We filed a dispute with Synchrony. XX/XX/XXXX, The merchant was sided with due to their claim that they have tried multiple times to contact us with no success. On second & third dispute, we provided evidence to the contrary.
XX/XX/XXXX : We filed another dispute. XX/XX/XXXX, Documents of evidence was mailed, which had been lost in XXXX network. XX/XX/XXXX, documentation was sent again. We called Synchrony bank and informed them of the situation. Evidentiary documentation was lost in XXXX network a second time ; Synchrony Bank never received our documentation. XX/XX/XXXX, email was sent to us, that the merchant has been sided with ; due to our " signing of the satisfaction completion certificate ''. On closer observation by Synchrony Bank, they would have seen that this had never been signed. Evidence provided by us in the refutation of this claim to Synchrony bank in the third dispute, had been disregarded.
XX/XX/XXXX : We opened a third dispute. Synchrony bank received the documentation we sent for the previous dispute on XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX, we sent all conceivable documentation regarding our case. Evidence to Synchrony of the " service not rendered '' ; faulty and beyond unsatisfactory ; photos of the sewer back-up, photos from a video of the faulty job, professional evaluation of the video ( photos ), evidence showing plumbing done against code.
Because the merchant has been continually sided with, we provided Synchrony with documentations, illustrating the merchants pattern of false statement and misleading information that has been provided to them by the merchant ; claims that they have tried to contact us multiple times without success, claims of " job completion '', claim of us signing a " certified satisfaction of completion '', claims that they have been continually working with us to come to a resolution, claims they have been following through with contacting city entities that are required to accomplish the job, etc.
XX/XX/XXXX : an email was sent by Synchrony Bank informing that have sided with the Merchant. The merchant had reciprocated that they had finished the job. Synchrony 's email to us reciprocated the words of the merchant ; I quote, " According to our records, it does not appear an error occurred. The merchant has indicated all services were rendered Again ''. And this, despite the concrete indisputable evidence we have provided.
We have also asked Synchrony Bank to send us photos sent to them by the merchant of underground work they did. This was stated in the letter from the merchant to Synchrony Bank in the third dispute. I have asked multiple times, they disregard what I'm asking on email, and when I've called, they don't have any information regarding this.
|
| 03/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
XXXX XXXX offers a cashback rewards program, with card holders receiving the accumulated cash back in late XXXX each year. The cutoff this year was XX/XX/XXXX, with letters mailed out to customers shortly thereafter.
I received my letter around the beginning of XXXX with a cashback reward of {$370.00} Unfortunately, my identity had been stolen and my card frozen so I had to wait for a new card. I lost that card and a replacement was not received until XX/XX/2018. I took the new card on that same day to XXXX 's XXXX in XXXX, NC. When my card was processed, it showed that I had indeed a {$370.00} cash back due but when I confirmed the amount the lady on the other side of the register said that the account numbers did not match. Looking at my online account, the cashback was transferred over to the new account number ( online at least ) but for some reason was not accessible at the service desk. I was told at the Service Desk that while this problem was not ubiquitous, a number of customers were experiencing the same problem, including one of the service representatives at that desk.
I reported the incident using the customer service telephone number and, in the course of the first conversation was told that if I didn't receive ( they did not give me ) the money by XXXX, the entire amount would revert back to Synchrony Bank. When talking with the supervisor, however, what I'd been told at XXXX in XXXX was confirmed, that they were experiencing " a software glitch. '' ( What they call a glitch is beginning to seem to me like grand larceny ).
I went by XXXX XXXX again on the XXXX of XXXX, put my card in the card reader, with the same result. Called the bank again with the about same result. " It is a software glitch and when it is finished they will send you a notificaiton by mail. '' Still another week has gone by and on XX/XX/XXXX I called XXXX in XXXX and they were unable to tell me if my card would or would not work without my coming in and processing it. I called Synchrony again. The representative took all my information and then suggested that the problem was my fault, that I needed to go to a cash register not to the service desk. I asked to speak with a supervisor, waited patiently, only to be disconnected. Called again, managed to speak with a supervisor, but was told the same story with a minor change -- still working on the problem, but this time if it is resolved, I am supposed to get a phone call. Most credit cards pay off their rewards at the end of each billing cycle, but I had planned to use my end of year cashback for travel. That plan is up in smoke. What I am specifically alleging in this complaint is that Synchrony is in violation of the customer agreement regarding cashback rewards and has been lackadaisical and cavalier in resolving the issue. Other credit cards don't offer the same discounts available on the XXXX card, but what they do offer is available on a monthly basis. There is something to be said for that old saying, that a bird in the hand is worth two in the bush.
|
| 09/16/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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Web |
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On XX/XX/XXXX I received a letter from Synchrony / XXXX XXXX stating my obligation to XXXX XXXX had been cancelled. Of particular note, the letter does not state the matter was satisfied, nor does it clarify that the matter was resolved through insurance company claim settlement, which represents a true statement of facts.
Since I was making regular monthly payments prior to XX/XX/XXXX, I had made several telephone inquires to understand how reimbursement would be handled.1st called followed receipt of the correspondence dated XX/XX/XXXX and I was told that I was due payment of {$1400.00} and that I should have it by XXXX.
Not having received any reimbursement draft, I called a 2nd time and spoke with XXXX who indicated that checks are sent for processing on Fridays and assured me the reimbursement would be sent out on Friday XXXX.
Assuming the draft is sent via XXXX, I would like to hope that by the following Friday ( XX/XX/XXXX ) I should receive the reimbursement in hand, being sufficient time for the mail system to function as designed.
Well, Friday XX/XX/XXXX came and I did not receive any item in the mail system. I called customer service a 3rd time and spoke with a pleasant representative named XXXX who reiterated that I was due refund and that these are sent for processing on Fridays and this would have been XXXX and should take 2 - 3 weeks for me to received it. Since I was on a recorded line, I asked for the check number to give me some level of evidence that there was an item on its way, but she was unable to provide. These are recorded calls so I was sure not to take my frustration out on her - she's doing what is scripted for her, and I fully understood that. I asked for executive info as my intent at this point was to escalate my concerns ) ( a.k.a. COMPLAIN ) XXXX She provided email to Corporate and I appreciated that.
The nature of my complaint is that Synchrony ( XXXX XXXX ) is holding " patient '' funds XXXX under the banner of policy/procedure and they likely do not understand, or care to understand the full context : patient needs financing because they need to bridge a financial gap in order to obtain equipment while they have to engage in a fight with their insurance company.
If I had the means, I would have gladly chosen not to go the finance route and I wouldn't be here. And I am sure there are many others out there in the same predicament, but just have to " eat what they are served. '' If am sure if the debt was still active and I was late/missed a payment, I'd likely be penalized with a late fee and reminded in a sternly worded letter or receive a call reminding me that " If you go 30 days late it could impact your credit. '' I've had to struggle and fight through this entire ordeal. I won the battle with my insurance carrier only to have to suit up and do it again with the company holding my hard earned funds.
( NOTE : Figuratively ) At this point, if I could wield the regulator stick, I'd take a swing and hopefully it has intended effect!
Respectfully,
|
| 07/06/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
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- Account opening, closing, or management
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Web |
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Synchrony Bank, with offices in New Jersey, held onto my matured CD for XXXX calendar days past the maturity ( XXXX/XXXX/15 ), even though I had notified them on XXXX/XXXX/15 that I wanted to cash out and have the funds sent by ACH transfer to my local bank, which they had on record. On the maturity date ( XXXX/XXXX/15 ), I again called to make sure that their " back office '' was paying attention to this order. I was told at that time that the " back office '' would not even begin to process the cash-out until the NEXT business day which was XXXX/XXXX/15. I called again on XXXX/XXXX/15 and was told that the request was " in process ''. I called again on XXXX/XXXX/15, as the funds had not been received AND my CD showed as renewed on their website. I asked to speak to a " supervisor '' on this call. After a few minutes on hold, the " supervisor '' came on the line and said that she had just spoken with the " back office '' about my case and that the funds would be ACH 'd out that day and in my bank " tomorrow '', XXXX/XXXX/15. I questioned her closely about the " tomorrow '' promise, as I had experience with their ACH process in the past and I would expect NOT " tomorrow '' but the next business day, XXXX/XXXX/15. The " supervisor '' doubled down on the " tomorrow '' promise. When I asked if that was her story, her answer was " that 's my story. '' Of course, she was WRONG, either lying or ignorant of their ACH process. I 've set up many ACH debits and credits in my business career. The batch date, transmission, date, and effective date are all in play, with the effective date as the date it 's hits the other bank account. This date can be set for the next day or even the next week. This is what these guys do to further delay the funds leaving their account. Also, if their transmission is too late in the day, then the actual effective date can not be the next day, simply because of the late transmission. The funds hit my account on XXXX/XXXX/15, as I had predicted while talking to the " supervisor ''. My CD still showed as renewed on their website until XXXX/XXXX/15, which was the ACTUAL DATE that they closed out the CD - XXXX days past its maturity. A brick-and-mortar bank must be prepared to cash out a matured CD on its maturity date. These guys do n't even think about it until the NEXT business day and they do n't actually do it for XXXX MORE days. If I had asked to cash-out XXXX days EARLY, they would have levied as substantial penalty on the pre-mature withdrawal. There are opportunity costs incurred by the customer ( me ) due to this bunch holding on to the funds after the maturity date, but they incur no penalty because they already have my money and will release it when they please. I suspect that all that I have described is part of their actual policy, not simply " bad luck '', since I was told about next business day processing and then repeatedly told that it was " in process '' when it was NOT. I have actual names given to me on each call to them and they supposedly record each call.
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| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Synchrony bank Fraudulent account. Release the Lien or I'm going to file a federal lawsuit for a {>= $1,000,000} against you for violations of TILA, tax fraud, fraud, aggravated identity theft, extortion, theft by deception, intentional act of fraud, GROSS MISREPRESENTATION and etc. Attached, 1099 A, 1099 C and UCC lien.
Any agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Please correct the billing error for {$32000.00} paid in full. I'm going to write a complaint to the Attorney General, Better Business Bureau, FTC and send you a notice of default giving you 15 days for my payment. I will be filing a lawsuit against your company for a million dollars in damages etc! My million lawsuit against XXXX XXXX for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting.
2. Verification of your claim against me. A signed invoice or sworn affidavit.
3. A copy of the contract binding both parties ( XXXX XXXX and XXXX XXXX ).
1. I need full Disclosure. I was not told that I was actually creating the credit.
2. Equal Consideration, XXXX XXXX brought nothing of value to the table and XXXX XXXX had nothing to lose.
3. Law terms and conditions were based on fraud!
4. The wek ink signature of both parties.
Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. Please correct the billing error to pay in full and release the lien in your system with motor vehicle.
Re : XXXX Account # XXXX, VIN # XXXX, Make : XXXX XXXX XXXX, Model : XXXX, UNIT IDENTIFICATION # XXXXXXXX XXXX XXXX and MOTORCYCLE acct # XXXX, Make : XXXX XXXX, XXXX XXXX.
XXXX XXXX XXXX XXXX Civil liability. Civil liability for willful noncompliance. XXXX U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation.
united states constitution article 1 section 10 Clause 1 Treaties, Coining Money, Impairing Contracts, etc.
No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
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| 01/28/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Opening an account
- Account opened without my consent or knowledge
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|
Web |
Older American |
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This is about my buying 2 CDs online from Synchrony Bank on XXXX XXXX, 2024. In my previous XXXX years of buying CDs from them, I had never had a negative experience with Synchrony. But this current situation ( XXXX XXXX, 2024 so far ) has been a nightmare.
Online on the evening of XX/XX/XXXX, I authorized Synchrony to withdraw a total of {$10000.00}, {$5000.00} each for 2 CDs, from my bank account. Not only did they withdraw that money ; they continued to withdraw money thousands of dollars without my consent. I repeatedly called them, but they kept taking more and more funds from my bank account. They even added more money to one of the 2 CDs I had just opened, even though I had not authorized that. Even when they told me they would stop taking my money, they kept trying to take it : Every time I transferred funds from another account to my checking account in order to pay my bills, Synchrony took that money if it was at least {$5000.00}. Even when I no longer had {$5000.00} in my bank account, Synchrony kept trying to withdraw more money : If there was less than {$5000.00}, they tried to withdraw that amount and then attempted another withdrawal to make it equal to {$5000.00}, which kept causing my bank to assess me {$35.00} insufficient-funds fees for each of Synchronys attempts. Every time I called Synchrony, I was shuttled to a different supervisor ( no last names given, of course ), each telling me a different thing I had to do to prove they took my money one supervisor said they didnt have it ; another said I had authorized their taking more money than the {$10000.00} total. They also said that if they discovered that they took more money than they should have, they would send me a check rather than transfer it back to my bank account.
On XX/XX/XXXX or XXXX I can not remember the date, but my bank has a record of it I finally went to a manager at my bank, who reviewed the situation and then called Synchrony. My bank manager was treated entirely differently from the way I was treated. However, Synchrony still has not returned my money. The person with whom my bank manager spoke told him that they would return my money ( at least $ XXXX {$15000.00} of unauthorized withdrawals ) by XX/XX/XXXX IF they owed it to me ; he assured them that they did. I do not trust them to follow through. My bank manager said that if Synchrony failed to return my money, I should go back to see him, we would run the numbers, and he would get in touch with them again. But he also said that since the CDs had already been funded ( even with thousands of dollars I had not authorized! ), I probably couldnt get that money refunded.
My bank forgave my insufficient-funds fees. They also suggested that I close my existing bank account and open a new one that Synchrony couldnt access.
As of now Synchrony Bank has taken thousands of dollars from me without my permission. I plan to file a complaint with the FDIC, my congressman, Synchronys President/CEO, State Auditors office XXXX and any other agency I can think of.
|
| 08/16/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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On XXXX XXXX, I made a purchase from XXXX XXXX Jewelry in XXXX XXXX, NV, of a wedding band that was to be made to fit with my engagement ring. The jeweler 's representative talked me into signing up for deferred interest financing of the purchase, which under normal circumstances would be fine, however this was not a normal transaction. Within 72 hours, I contacted the jeweler 's representative and asked to her to cancel this the wedding band, as it was determined by my husband and myself that purchasing both rings at one time would be too expensive.
The jeweler claimed they could not cancel the purchase, that it was special order. However, the wedding band would be required to be made AFTER the engagement ring so it could fit properly next to and under the engagement ring. I insisted the order be cancelled and reiterated that cancelling at that point, less than 3 days after the purchase, would not cause the jeweler any harm as there is no way the ring had been started since it would not occur for at least 21-30 days from the time of purchase to allow time for the engagement ring to be made. They continued with the process of making the engagement ring and ignored our future requests to cancel the wedding band. I made multiple attempts to contact the owner of the company to discuss the matter, however we were always told he was out of town. It wasn't until we left a negative online review of our purchase that the owner decided to send a threatening email which stated he would have his attorney file libel charges for making false allegations against him online.
The jeweler took over 90 days to make the engagement ring, and despite insisting multiple times to cancel the wedding band, they stated they made it anyway. However, the engagement ring was sent but we never received the unwanted and cancelled wedding band order, DESPITE BEING CHARGED IN FULL FOR BOTH.
The jeweler charged us IN FULL, for BOTH rings on the date of purchase, which had a 12 month deferred interest promotion. We have disputed the wedding band portion of the purchase several times with Synchrony Financial, the credit card issuer, and each time they NEVER contacted me despite providing them with proof of cancellation request shortly after purchase. The issuer also continued to count the time during dispute as part of the 12 months of the special promotion period, even though we fully dispute the purchase.
We have even gone so far as to travel all the way from our home in Florida all the way back to XXXX XXXX to resolve the issue, however the owner refuses to give us equal compensation for the wedding band purchase. We have gone above and beyond in attempts to resolve this, yet the credit issuer, Synchrony, refuses to protect us as consumers, from an unscrupulous Jeweler. Its been 15 months and we are still being charged for an item we did not want, do not have, and now we have been charged deferred interest on the purchase by Synchrony Financial. This is just not right, we deserve to have rights when making purchases.
|
| 03/22/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Unbelievably difficult to get claim paid for a CD that I am the beneficiary for...
My mother died on XX/XX/XXXX at age XXXX. She had money in 5 banks and I dealt with all of them and they each had their own nuances but Synchrony bank stands out. When I contacted them they said that first thing was to submit a copy of the Death Certificate, USPS. Only one of the 5 banks that would not allow email. They said to call in 7-10 business days after putting the DC in the mail, that they would not contact me. When I asked if there was a way to get it faster, they said that I could have it sent to a separate address if there was tracking. I sent it tracked and called the day after it was delivered and they said that it takes days to get it logged in. ( BTW wait times were typically around 45 minutes when I called. ). I finally sent it again requiring a signature. Couldn't find it again even though there was a signature for the delivery. Finally I complained and they mentioned that I couldn't email, but could fax. I got a fax account online and started faxing. Faxes were not lost and typically logged within 2-3 business days. Their SOP is to USPS mail the forms we needed to have notarized and filled out, but once they had the death certificate they DID tell me which forms we needed and where to find them online. Things were going better with faxing now. Still long wait times on the phone. Still days after faxing to get it into the system, but finally they said it looked okay and was in review, but could not even estimate how long it would take. I called yesterday after about two weeks and they said it had been reviewed and next step was to USPS mail my check, but again no expectations of when that would be. I said it needed to be tracked and they said that if it was over $ 100K that it would be XXXX. That was yesterday. I logged into Mother 's account this morning and saw that they account was closed yesterday and a check had been issued ( over $ 250K ). I called again and this time they said that it was sent regular mail, no tracking. And note that they didn't even inform me that the check was mailed. I had to ask. So now if I don't see the check by XX/XX/XXXX I can call back and they will send me another form to fill out for lost check. Still no email. They might send the replacement check XXXX. I will say that all of the CS agents were pleasant, not very knowledgeable, but courteous. It's the system that's so unbelievable broken. I have the checks from all the other banks and have had for some time. I don't know if Synchrony Bank doesn't focus on this aspect of their business or are trying to hold on to the money as long as they can. I will NEVER do business with Synchrony Bank again. They were fine when Mother was alive, but this is a nighmare. I have yet to be contacted by them, even to tell me the check is in the mail. I want this complaint to reach someone who can review the process. It's hard enough when a family member dies to begin with, without having to deal with this sort of insane proces
|
| 12/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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Web |
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On XX/XX/2019 I was going through the checkout process at XXXX a mattress and bedding retailer. I was going to use the PayPal Express checkout with my XXXX XXXX card that I already have linked in there because it saves time in adding my payment and billing and shipping information. When I logged into PayPal a pop-up came up offering 6 months no interest financing and {$20.00} off my transaction if I applied for PayPal credit. I clicked apply and was brought to the Synchrony Bank website which is the financing company for PayPal credit, I then applied through their process and was approved for a {$1000.00} line of credit. Upon returning to the checkout page that purple sends you to when you select PayPal checkout a information came up saying that PayPal credit was now available in my wallet to use at checkout, however it was not available. I called in to PayPal and was transferred to their customer account security team, and after going through an additional verification process where I had the answer questions based on my credit report we tried putting the transaction through again. PayPal told me that their security procedures were rejecting the transaction. I asked if there was any more information they could give me or any reasons why even though I was approved for the credit line they would not let me make a purchase that was well below my credit limit and that was at a major established online retailer. I was given a bunch of nonsense answers and basically was told that there's nothing they can do about it and something in their security systems determined that it was a risky transaction, so I asked to be transferred to a supervisor, XXXX, who basically gave me the same line. He was very quick to point out that Synchrony Bank is the issuer of the credit not PayPal to which I responded that it's called PayPal credit and was initiated through the PayPal website not through an external website or through synchrony themselves that they were the ones that made me the offer and that they are the ones that are not now allowing me to use my financing. I feel like this was a bait-and-switch because I took a hard credit inquiry for this account with the express purpose of using it for this transaction which they advertised was what was going to be able to happen when they offered it at checkout for this transaction. Now I have a hard inquiry and a {$1000.00} open credit line and I'm unable to use it and nobody there can or will tell me why. They are just very quick to say that there's nothing they can do and that it must be a risky transaction for them to deny it.I just want to be able to use the credit that I was approved for being that I already took the hard credit inquiry for it and now it's basically useless to me, and they're all just telling me that there's nothing they can do and no information they can give me. Upon doing further research hundreds if not thousands of other people on credit boards online have had the same problem and this is basically the definition of a bait and switch.
|
| 10/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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My car was broken into on XX/XX/XXXX - multiple items were stolen ( my cell phone, PayPal World Mastercard credit card ( Synchrony ), car registration, and my driver 's license, my brother 's wallet with multiple cards, and his key fob with house keys. It was stolen first thing in the morning and I reported my credit card as stolen as soon as was feasible, given that my phone was stolen and I could not find the correct phone number and i could not do it online because my I needed to get a text message sent to my phone. I finally found the number to report my card stolen and it did not direct me to a live representative, just voice prompts. Once I went through the prompts, the system told me that a new card would be shipped out to me. It never forwarded me to speak with a live representative and no representative ever followed up with me to ask about potential fraudulent charges. I filed a police report online, given that XXXX Police Department did not show up at the scene ( Report Number XXXX ). During that time, I was finally able to log in to my account and because the data wasbeing trasnferred to a different card number, my balance showed {$0.00} on PayPal Mastercard website. On XX/XX/XXXX I logged into my account again and realized that the thieves used my card for 3 separate transactions on XX/XX/XXXX ( I assume between when my card was stolen ( estimated XXXX XXXX and when I finally was able to report my card stolen approximately XXXX ). My replacement card arrived on XX/XX/XXXX and I logged into my account again. I noticed that there were 3 separate transactions completed by the thief/thieves at XXXX XXXX XXXX XXXX CA for the following amounts : {$340.00}, {$100.00}, {$4.00}. I called PayPal/Synchrony and the customer service rep was confused as to why no one had called me to confirm any fraudulent transactions when I reported my card on XX/XX/XXXX. She stated that the fraud department would " investigate '' my claim of fraud. I provided them the number for my police report. I called again to follow-up ( can't remember the exact date but I can look for it if needed ) and the representative told me that the dispute has been started and that they have 60 calendar dated to complete their " investigation. '' I recevied a letter today from Synchrony/PayPal mastercard congratulating me that they found " no fraud '' on my account. I took as many steps as I could to report it in a timely manner and PayPal/Synchrony does not have an actual number to connect directly to a rep for stolen cards nor do they follow up in a timely manner. I plan on submitting this complaint to the FTC and the XXXX. I would like for these disputed transactions to be removed from my account. My police report clearly states all of the things that were stolen from my vehicle. I was already victimized once - and now Synchrony/Paypal is making me pay for the thieves purchases. They should have identified that I never make large transactions at drug stores like that and, rarely ever make any transactions at those places.
|
| 10/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
In the middle of XXXX I received notice of a charge off appearing on each of the three major credit bureaus by Synchrony Bank Care Credit.
In contacting them the error was acknowledged and I received a letter of apology and that they asked me to give them 60 days to correct with the credit bureaus.
In a phone call with them I shared that the account they reported was my ex wires and she had filed bankruptcy but I was only an authorized user amd had never signed up for the account and the party I talked to stated well now since she filed bankruptcy you are responsible and gave me a balance owed. He also said he would have my concern escalated and I got the letter a few days later and my credit was fixed.
However on XX/XX/XXXX I got another notice from all three bureaus that the Synchrony Bank Care Credit account was again appearing as a charge off and I reached out to Synchrony Bank and again shared it was an error and it would take 60 days to fix but that I needed to pay them to completely resolve even though my ex wifes account claiming I had responsibility due to her bankruptcy and each time a I have talked with them it was referenced I was an authorized user but now the debt is on me.
I knew the only way this was going to be resolved is if I took care of it as they were showing a lack of concern and my credit is important to me. I have several accounts with them. Each time I called they said fixing the issue and now almost three months in and not fixed yet and now some of my creditors have cut off accounts because of this showing as a charge off.
I have as of the first week of XXXX paid Synchrony Bank the {$1900.00} they stated was owed and matter of fact the little bit I can see about the account says they owe me money back.
I attempted again on XX/XX/XXXX to make a call and try to resolve as still no change to my credit bureaus. The party I talked to was rude and she shared Oh youre just an authorized user so we can not talk to you. y have all along and made me these promises to she said well I can not seem to find you so I guess you will have to figure it out.
So today XX/XX/XXXX I sit with almost {$2000.00} I did not owe being paid to Synchrony Bank Care Credit that I did not owe but trying to do the right thing and paid it so my credit would get fixed and I am still the one suffering the damage with them now unwilling to assist.
I have multiple accounts showing with exceptional credit and one account that has more than been resolved is impacting my life.
I am a XXXX year old responsible party that takes care of my debts and if this was resolved have excellent credit being reported.
I am the innocent party being taken advantage of. I am very aware of the fact there are raid credit reporting and fair debt collection regulations in place and this credit has definitely crossed both lines.
My hope is that CFPB can assist in resolving this. I am not looking to get the {$2000.00} back even though rightfully I should, I am asking that the right thing be done and fix my credit.
|
| 04/05/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
Earlier this year I filed a complaint about Synchrony Bank ( SB ) in connection with my Amazon XXXX XXXX XXXX ( XXXX ). The basics of that complaint were as follows : I have had an XXXX for many years, and right from the beginning I set things up so that the BillPay function at XXXX ( where I bank ) would pay the full amount due on my XXXX account each month, thus reducing the balance to XXXX and incurring no interest charges. This arrangement was administered as intended until late 2018, when SB -- without my knowledge or permission -- began taking only the 'minimum amount due ' out of my XXXX account each month, which meant that an unpaid balance began to build up ( at APRs of around 25 % ). When I became aware of SB 's unauthorized action, I complained to them -- and, after months of frustrating and fruitless communication, I filed a complaint with the CFPB. SB almost immediately responded to me and, although they did not offer any explanation for their actions or admit to any wrongdoing, they offered, 'out of the goodness of their hearts ' and in the interest of good customer relations, to reverse all the interest charges at issue. I accepted their offer but asked them to investigate and explain what had happened and why they suddenly and unilaterally began disregarding standing instructions that had been in effect for many years. SB never got back to me with an explanation. For my part, I had a XXXX supervisor guide me in setting up BillPay so that it would absolutely, positively result in my XXXX bill being paid in full each month. Nevertheless, the next time an XXXX bill fell due, SB once again only deducted the 'minimum amount due ' from my XXXX account, leaving me with a remaining balance that would accrue interest at 25.99 %. I hurriedly went on the SB/ASC website and authorized a one-time payment of the remaining balance ; I also authorized SB to deduct the full amount of each month 's XXXX bill from my XXXX account ( and canceled BillPay on the XXXX website ). However, I was extremely distressed to discover that SB disregarded my crystal-clear instructions on the XXXX website ; also, my goal is to centralize all my automatic payments in one place ( i.e., on the XXXX website ) so I can view them at a glance. XXXX has repeatedly assured me that, even when I authorize BillPay to pay my entire bill, the payee ( in this case, SB ) decides how much to actually deduct. When I called SB about this, their rep felt that it was obvious that Fidelity/BillPay, not SB, would make the decision about the amount to be paid ; however, I know from long experience that XXXX is reliable and businesslike whereas my current course of dealing with SB convinces me that they are fully capable of pulling a fast one where they think they can get away with it. Under the circumstances, I want SB to deal with this problem once and for all, offering me an explanation ( and, if warranted, an apology and compensation ) for its actions, and ensuring that I can pay my monthly XXXX bills in full through XXXX.
|
| 08/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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JC Penny XXXX XXXX XXXX XXXX FL XXXX To whom it may concern : I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. In XX/XX/XXXX, I had a vehicle stolen from me which caused me to use my credit cards to pay for lawyers and costs to the loans. I was able to make payments, but was very extended on my credit. In XX/XX/XXXX, I contacted your team to see if I could work out a payment plan which would reduce my monthly payment. We agreed to this and while on the phone, I was required to make the first agreed to payment on the plan. I continued to make these payments only to get a letter stating that you sent my account to collections and charged it off. I was very confused as I didnt understand why this happened as I made the payments. The person I spoke with told me that I didnt make the original statement payment, so this is why you did this to my account. She told me that it is not her issue and that I should have understood the agreement. I asked her why they didnt require me to make the minimum monthly statement payment and she told me thats not their role. I explained that I wanted to avoid a lot of negative impact to my credit which is why I called, she told me this is not the purpose of the plan and its not your problem. You can pull the recorded calls to validate this and also pull the original one which I did ask if I needed to make the payment on the statement and the person told me no. I am working to get a loan to consulate my debt and these late payments are preventing me from doing this at this time. I am unable to purchase a home all because I tried to work out a deal with you to reduce my payments.
Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was a victim having my car stolen and extending my credit. I also am a victim of being given incorrect information by your team. I did call into your team each month and provided updates and it was not a positive experience. I did everything I could to ensure JC Penny/XXXX didnt have a negative impact when it was all said and done. I am avoiding filing for bankruptcy and would like to continue to build my credit. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that JC Penny/XXXX is willing to work with me on erasing this mark from my credit reports. I finally started working with a specific rep in your recovery team who was positive and amazing. To remain a victim of the theft of my car is heartbreaking as I cant get a consolidation loan or even purchase a home.
I have been a very happy customer in the past and hope to continue a long relationship with JC Pennys/XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. I look forward to your reply.
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| 05/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
Older American |
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My PayPal Master Card/Synchrony Bank XX/XX/XXXX statement, closing date XX/XX/2019 showed I had a rewards balance of {$60.00}. In the past I had always redeemed my rewards balance online and applied it to my balance before the due date and then paid off my balance in full so I would have no interest charges. I had done this for about a year with no problems, but this month I was not able to redeem my rewards balance on line. I would get a message that stated " Your rewards redemption failed ''. I thought it was a typical glitch in the system so I would wait a day or two and try again. I tried at least a dozen times but kept getting the same message, so on XX/XX/2019 I decided to try calling the customer support number on my PayPal Master Card/Synchrony Bank statement. I spoke with Tech Support first and was told that there was nothing they could do about it and was transferred to another department and spoke with a lady named XXXX. She told me that there was a glitch in the system and she would check into it and get back with me. I left her my direct phone number but I never heard back from her. I again repeatedly tried to redeem my rewards online but kept getting the same message " Your rewards redemption failed ''.
On XX/XX/2019 I decided to pay off my pending balance of {$1300.00} less the amount of my rewards balance of {$60.00} and close my account. I then sent PayPal Master Card/Synchrony Bank certified mail on XX/XX/2019 explaining the situation and assumed by this would resolve the issue and Synchrony Bank would apply my rewards to my balance. On XX/XX/2019 I received two letters from Synchrony Bank acknowledging receipt of my letter but have not received any response from them since and now being billed for the balance of {$60.00} + late fees of {$38.00} per billing cycle and interest charges. As of last statement with a closing date of XX/XX/2019 Synchrony Bank is now showing that I owe them a balance of {$120.00}. Synchrony Bank has also filed a delinquency of payment on my credit report which has resulted in a poor credit rating on my current credit report.
At the time of the rewards problem I was also having issues with Paypal and my Paypal account. My Paypal credit card and my personal Payal account had been frozen because of what Paypal called suspicious activity and I could no longer use my credit card or move any money out of my PayPal account, but oddly they would let me deposit money if I wanted to. Go figure! I tried repeatedly to resolve the issues at PayPal 's request but was unable to do so. To this day my account is still frozen. I tried closing the account but they will not let me close the account. I have had this account with PayPal for about 20 years and had the PayPal/Synchrony Bank credit card for a little over a year, then all of the sudden I became suspicious to them. PayPal was demanding all kinds of information from me, i.e. copies of my bank statements, picture ID, social security number ( which they had on file ), copies of utility bills, etc.
|
| 03/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
|
|
Web |
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XX/XX/2023 Dear The purpose of this letter is to inform you about a credit that I have with Synchrony Bank XXXX.
I opened a credit card with Synchrony Bank in order to take advantage of the promotional offers they have available and to establish an excellent credit rating. I have been using the card responsibly and paying off my minimum balance each month in full.
Due to the fact that I was out of work for a few months, my finances were affected, which caused me to seek assistance from the state in order to cover my monthly costs.
To ensure that I could remain financially stable, I applied for and was granted public assistance to help pay for my living expenses. As a result, the bank was alerted to this situation, According to the calculations, the maximum credit limit for this account is XXXX dollars i was paying exceptional well a minimum of XXXX per month. Banks use credit limits to ensure that customers do not take on too much debt. With the bank being aware of my public assistance status, I was able to remain financially stable and not take on more debt than I could handle. The fact that I was paying a minimum of {$35.00} a month further reassured the bank that I was doing my best to stay financially responsible. My late fee has increased to XXXX, which is equal to {$75.00} per month, when I can only afford the minimum of XXXX.
Although I was doing my best to keep up with my payments, I was still charged a {$40.00} late fee by the bank.
After calling the customer service number to speak with management, despite my efforts, the bank still imposed an unreasonable penalty, so I took the extra step of phoning the customer service line to try and reach a higher-up, yet the wait time was unmanageable.
I am charged {$75.00} per month if I am late with my payments, and if I fail to pay by the due date, the bank will report me to the credit bureau.
Whenever I reach a certain amount to clear the late fee, I would have to repay the amount on the late fee on another payment date in the future, which would lead to me being charged a late fee the next month.
This creates a situation in which I am paying more for being late and the cost is increasing each time I miss the deadline.
The credit card continues to accrue debt each time I have to pay the minimum late lee There needs to be some type of negotiation plan because i could possibly have a XXXX balance by the end of this year, but these late fees are creating a great deal of stress and I am fully committed to paying them back.
I regret taking out this credit card the day it was issued because it adversely affected my credit score.
This late payment of XXXX dollars is too much for a minimum monthly payment of XXXX dollars.
The issuer of this credit card has reported the late payment to the credit bureaus, which could have negatively affected your credit report. Additionally, the issuer may have applied a penalty rate or late fees, which could have made it difficult to pay the minimum monthly payment.
XXXX XXXX
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| 02/03/2017 |
Yes |
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Web |
Older American, Servicemember |
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XXXX XXXX, is XXXX XXXX XXXX and XXXX about two years ago. Her XXXX affected many of her XXXX including her XXXX and required her to purchase XXXX. Since she is on XXXX and has no income, the XXXX doctor recommended she use the Synchrony Bank card with its interest free promotion to purchase {$3000.00} XXXX. XXXX signed up for the card without fully understanding what she signed up for and purchased the XXXX. With no income, she should not have been provided credit. XXXX believes the Doctor told her that she would have 3 years to repay. But, she is not sure and has no paperwork.
Upon receipt of each monthly statement, XXXX diligently paid what she thought was the amount needed to pay off the balance during the promotional period. Since the bill each month only provided her with XXXX choices ... '' minimum payment only '' or " pay off in 3 years '', she assumed that by paying the " pay off in 3 years '' amount each month, she would pay off her balance interest free. Again, that is what she thought the doctor had told her. Unfortunately, the promotion was an 18 month promotion period, not 3 years, and the deferred interest was charged after 18 months of {$1100.00}. XXXX is XXXX XXXX XXXX and was confused by the monthly bill and did not understand the bill or " warning '' they sent to her in advance of the promotional period end date.
XXXX deteriorated further in XXXX 2016 and was no longer able to handle her bills or estate. Her son and I was required to assume management of her affairs and pay her bills. XXXX is confused as she thought she was paying the bill correctly based upon the options on the statement and what the doctor told her. The bills are confusing as they do not provide a correct payment option to pay off the balance in advance of the 18 month promotional period expiration. Obviously, the XXXX options provided each month on the bill do not pay off the balance in time. Had the bill included a payment option that paid the charge off in 18 months, XXXX would have paid that amount each month. In addition, charging a XXXX XXXX XXXX XXXX victim who is in a XXXX home surviving on XXXX a 26.99 % interest rate to purchase XXXX XXXX that she could not afford is an just inappropriate use of credit.
XXXX 's son has called Synchrony and explained the situation. They have been unsympathetic to date and unwilling to assist in this matter. Using this type of credit card with the elderly for health related issues and then charging them 27 % interest is predatory. XXXX has no income and should not have qualified for a credit card.
XXXX is requesting that Synchrony waive the almost {$1200.00} of deferred promotional interest charges. The principal amount of {$3000.00} has been paid. The current remaining balance is interest only and Synchrony continues to charge 27 % of interest on top of interest. This is a predatory card which preys upon the elderly who do not understand what they have signed up for or agreed to and, in this case, do not have the income to even qualify for credit.
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| 05/15/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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|
Web |
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XX/XX/XXXX I closed my account with SYNCB/Care after having it since XX/XX/XXXX, Credit due to the fact that each month after I made my payment of minimally {$340.00} this company decreased my credit limit from {$6000.00} to whatever the new balance was after payment was made. Doing this has increased my utilization and made it seem as if I was at 100 % utilization each month although I had already paid 1/3 of the balance. This was supposed to be a revolving credit card, but they treated it like an installment payment.
Once I realized what was happening since my credit score was decreasing due to having a " maxed out credit card '' I decided to close the account, and just continue to make my regular payments until the card was paid off.
XX/XX/XXXX, I tried to log into the XXXX XXXX XXXX on my phone to make the payment, as this was how I regularly did it, but the app did not allow me to log in. I called the number on the app as I was instructed, went thru the prompts, and was disconnected after a little while of holding. I attempted to call again and the same thing happened.
After being frustrated, I discontinued my attempts to wait another day and time to call. I have been trying to call now since XXXX with no success until today, XX/XX/XXXX. I finally able to speak to a representative, however, we were not able to come to an agreement and although courteous, did not understand the damage this has caused to me and my credit. Their only concern was to receive payment.
In the mean time, my credit score has suffered greatly because of them decreasing the credit limit each month without giving me any notice at all that this would happen and why it happened. This has adversely impacted me and my reputation as well as my credit score. Also, being unsuccessful in reaching someone on the phone has caused monthly late payments to report on my credit report and potentially put the account into charge-off status.
I believe my FCRA and FDCPA consumer rights have been violated and I have been discriminated against with the monthly decrease of my credit limit. Also, my rights to privacy have been violated as XXXX XXXX XXXX continues to send me statements in the mail with their logo on the envelope and the statement " Statement Enclosed. Payment May Be Required '' XXXX XXXX is a card specifically used for Medical, Dental, health, and wealth procedures.
This is a violation of FDCPA 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 USC 1692F ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mail or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
I have attached exhibits.
|
| 03/03/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I purchased 6 items from Amazon in early XXXX received items paid my credit card balance off and had a balance of XXXX. Was contacted by email by Synchrony bank in end of XX/XX/2020 telling me they beleived I had fraudulant charges on my acct. and I needed to call them. I called them and asked when were there charges put on my account. Told person I had used card in early XXXX for legitiment purchases and had paid my card off to XXXX balance, she stated charges were made in mid XXXX. I asked why I had not recied a statemnt for these charges she insisted I had. I told her if this was true then those charges in XXXX were not mine I had not used my card since I had paid off my bill. She said she would open fraud claim for those purchases. I assumed situation was being handled and I would hear fron them when matter was resolved. At end XXXX was contacted by amazon stating Synchrony stopped payment on the legimate purchases I had paid for to synchroy bank. I cotacted synchrony bank and asked why they had done that, they said I had opened a fraud charge about those puchases, I told them I had not opened a claim about those charges and expained what I had said to the lady I had talked to in XXXX. I then told them they were valid charges and I had been billed and paid them in full for these charges.I also told them to stop fraud investagation on theses charges. I then contacted Amazon and gave them permission to use my visa on file to pay for theses purchases. I contacted Synchrony bank and explained I had paid Amazon and wanted to close my account., was told I had the credit of XXXX which is what I had paid off my account for ante the price of the legitament pay and since they had stopped payment and I had paid Amazon for the purchases with my visa card I would get a refund check. They sent me a check anI recieved a state ment saying my balance was XXXX and acct was closed. Yesterday XXXX the second I recieved a email from sycrony bank telling me fraud claim was closed and I was responsible for charges and needed to send them the XXXX back and it was now a outstanding balance. I contacted Amazon and they told me sychrony did not send the money back to them that those orders had been paid for in full by my visa card and that they did not except double payments for purchases. They gave me this sits phone number and told me they had alot of people issues with this bank. I called synchony bank back and talked to fruad investagatornamed XXXX and she told me that I was responsible for bill and that Amazon had double billed I explained about my conversation with Amazon and that they had given me this Org phone number and that when I hung up I was contacting you. She then changed her whole attitud and said she would open a billing dispute. I do not owe them money my accont balance should be XXXX that was my money that I had paid to them and they took said pay back from amazon and I paid for puchases with my visa card they never paid for those puchases so how can they think they can charge me.
|
| 10/27/2015 |
Yes |
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Web |
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Several years ago I signed up for a Care Credit card ( Synchrony Bank ).
In XXXX of 2015 I set up a payment plan with a Synchrony representative ( from their debt collection department ), whereby an amount determined and agreed upon by me and this representative would be automatically debited from my bank account each month and would pay off the XXXX {$300.00} owed within 6 months. This amount was debited each month and I never received any information from Care Credit that there was a problem.
In XXXX 2015 ( 6 months later ), I received a letter and statement from Care Credit showing that I now owed around {$370.00}. Completely baffled, I read over the statement and saw that they had been charging me fees of {$40.00} - {$50.00} each month without my knowledge. Since the beginning of 2015, I have been charged nearly {$400.00} in these fees ( more than my initial debt which was a XXXX time use of the card for {$300.00} at the dentist ). When I called Synchrony, they explained that the minimum amount due each month had not been met by my automated payment plan. The representative I set up this plan with NEVER told me that the amount would not cover the minimum. If he had, I would have ensured that this amount was paid each month.
I asked that these fees be credited from my account as I believe they were intentionally charged without my knowledge, and certainly without informing me at the time of setting up the plan. To me this seems like a scam and willfully withholding crucial information in order to collect more debt. The representative refused to allow me to speak with a supervisor about this. I filed a complaint with her and was told that I would be contacted soon by a supervisor. In good faith, I paid the remaining balance on my card XXXX what it would have been without the late fees ) -- an amount around {$170.00}. I waited but never received a follow up call.
In XXXX 2015, I received a statement saying that I still owed ~ {$370.00}, even though I had paid {$170.00} in XXXX. They were still charging me fees. I called the company again and was told that my complaint had been marked as " resolved '', even though I had never been contacted by phone, mail, or email. I proceeded to file another complaint.
After explaining this situation to XXXX representatives, I asked to speak to a supervisor. They told me that it was unlikely I 'd be able to speak with a supervisor as he/she was " busy '', but that I could be put on hold. I waited on hold for XXXX minutes before hanging up.
I believe the deceptive tactics used to set up my payments and continue to be used to ensure that my debt continues to accrue are reprehensible and predatory. I would like to have the full amount of the fees charged to my account in 2015 removed from my account. I am happy to pay any remaining balance I owe from the original debt, but I do not think I should have to pay these fees that were charged to me without disclosure from my conversation/payment plan set up in XXXX 2015 until the present.
|
| 06/03/2015 |
Yes |
|
- Closing/Cancelling account
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|
Web |
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This complaint is regarding XXXX XXXX XXXX XXXX issues with my account ; auto-payment, returned payment on XX/XX/XXXX, and the closing of my account.
Auto payment : I received a notice that stated that because my checking account information was incorrect, an " automatic payment '' was returned. This information concerned me because I did not sign up for auto-pay. I called on XX/XX/XXXX and spoke with XXXX regarding my concern about fraudulent activity because I never signed up for this service ; my thought was that someone was trying to get my checking account number. After she reviewed my account with a supervisor, I was told that the issue was resolved, my account had been noted, and that there will be a fraud alert put on my account. A week later I received a letter stating that the " auto-pay '' had been terminated.
On Wednesday, XX/XX/XXXX, I checked my account online and found that it had been closed due to the returned payment. The customer service representative that I spoke with was very quick to dismiss my concerns, I requested that she transfer me to a supervisor. Supervisor XXXX, who told me that they do not put fraud alerts on accounts XXXX this is also concerning ), was sympathetic but ineffective and referred me to the dispute resolution department. Furthermore, he alerted me to a returned payment on XX/XX/XXXX for {$200.00} and explained that since the {$25.00} payment was returned, my account was closed.
According to Synchrony's/Chevron 's representatives XXXX I signed up for auto payment on XX/XX/XXXX and yet only XXXX payment posted in XXXX. Again, I never signed up for recurring payments. After my conversation, the charge for {$25.00} on XX/XX/XXXX is no longer showing on my online payment activity. The payment was denied due to incorrect account information, yet the payment that I made posted.
Returned payment on XX/XX/XXXX : A payment made on XX/XX/XXXX in the amount of {$200.00} cleared my checking account on XX/XX/XXXX ; I attached a copy of the transaction number from my checking account, and requested that they please make the adjustments. Instead, Synchrony's/Chevron sent me copies of XXXX statements and a post dated letter telling me ( for the XXXX time ) that my account had been closed.
I have requested that a resolution of this matter will allow them to reinstate my account as well as credit my account for the {$200.00} payment on XX/XX/XXXX that has been noted as " returned '', however, I have been told that the matter has been resolved, my account remains closed and it has not been credited the {$200.00}.
I have warned the creditors that I am filing a complaint and now they are stating that it is a corporate matter and will take yet another 30 days to resolve. In the meantime, this is affecting my credit score.
Finally, during my last conversation with representative XXXX, I was required to give my full checking account number ; this also concerns me that this sensitive information is required from someone who can not resolve the issue
|
| 07/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
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I previously had a Citgo Rewards Card through Synchrony Bank. The issue began on XX/XX/XXXX when my first payment of {$92.00} was due. Having previously provided account information and setting up auto pay, I believed the payment was made. On XX/XX/XXXX, I was notified by Synchrony Bank that the {$92.00} payment was returned due to " Insufficient Funds. '' I immediately contacted my bank XXXX XXXX XXXX XXXX by telephone who advised me that the funds were in the account. I contacted Synchrony Bank by telephone directly after speaking to my bank. The customer service agent informed me that they attempted to pull a payment from a savings account which was returned. I advised them the payment was to come out of the Checking account. I also transferred the {$92.00} payment from my Checking account to the Citgo Rewards account. I was told there was nothing they could do. The agent got extremely argumentative and very rude. I called XXXX XXXX XXXX XXXX and after speaking to them, they gave me an account number that is directly linked to my checking account number in order to resolve the issue. I immediately called Synchrony Bank back and provided them with the new account number. At this point, I believed the problem was resolved because there was no further issues until XX/XX/XXXX. On XX/XX/XXXX, I made the minimum payment due on the Citgo Rewards account in the amount of {$29.00}. On XX/XX/XXXX, I received a letter in the mail from Synchrony Bank stating my account was closed on XX/XX/XXXX due to 2 returned payments. I immediately contacted Synchrony Bank by telephone advising them that I have proof of payments and again was told there was nothing they could do. I was informed that this was my problem and not theirs. On XX/XX/XXXX I requested proof of debt due to the damage Synchrony Bank had done to my credit report with their negative remarks they reported to the credit reporting agencies which I have attached the supporting document they provided to me on XX/XX/XXXX. I also questioned why an account which was closed on XX/XX/XXXX had a purchase on XX/XX/XXXX to which I have not received a response yet either though Synchrony Bank continues to assess late fees to me. I have also attached supporting documents that prove both payments which Synchrony Bank claims were not paid were in fact paid. I have made numerous attempts to resolve this matter with Synchrony Bank and have spoken to many customer service agents though Synchrony Bank refuses to cooperate and customer service agents repeatedly tell me there is nothing they can do. I have spoken to XXXX XXXX, XXXX XXXX XXXX 3 times ), XXXX XXXX and a woman named XXXX who refused to provide a last name or agent ID number. I also left a voicemail for XXXX XXXX who sent me the letter on XX/XX/XXXX stating my account was closed. XXXX stated in the letter " I welcome the opportunity to assist you '' yet she has not returned my voicemail. It is now XX/XX/XXXX. It has been nearly 6 months since I left her a voicemail with no response.
|
| 05/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This complaint is against Lowe 's Credit Card Center/Synchrony Bank ( herein referred to as the " Bank '' ), XXXX XXXX XXXX, XXXX, FL XXXX. XXXX XXXX XXXX where purchased from Lowe 's, XXXX, MD on XX/XX/XXXX. The XXXX windows were installed XX/XX/XXXX and XX/XX/XXXX by Lowe 's subcontractor, XXXX XXXX. Soon after the XX/XX/XXXX installation I observed many to have gouges, scratches, two tones rails and other defects ( herein after " damaged goods '' ) on approximately nine windows and, later, on one window installed XX/XX/XXXX. Lowe 's assistant manager XXXX XXXX examined the windows and verified the damages on or about XX/XX/XXXX and contacted XXXX. XXXX sent a person from XXXX XXXX, XXXX distributor and warranty management company. The XXXX representative observed the damages and declared them to be damaged goods. His assessment was that part of the damage could be from XXXX factory and part from handling and storage by Lowe 's or XXXX XXXX. After another Lowe 's and XXXX detailed inspection on XX/XX/XXXX Lowe 's and XXXX stated they would send someone to fix the windows. This never happened.
On XX/XX/XXXX after several unsatisfactory phone calls to Lowe 's, I contacted Lowe 's Credit Card Center/Synchrony Bank at the above address. My letter included numerous photos of the damaged goods. Also, I contacted the Maryland AG office of Consumer Protection and provided copies on all material going forward. For the remainder of the year, I sent approximately eight ( 8 ) more letters including more photos, transcripts on Lowe 's and XXXX inspections XX/XX/XXXX and XX/XX/XXXX. In these letters were various videos of other Lowe 's employees stating what good quality XXXX vinyl windows looked like. In these letters I demanded the Bank to credit my account approximately {$5400.00} which was the retail cost of replacing the damaged goods. I enclosed an invoice from XXXX XXXX. I rebutted two ( 2 ) vacuous statements by Lowe 's and XXXX sent to the Bank. Finally at the end of XXXX, Maryland Consumer Protection Division wrote to Lowe 's stating a path of arbitration to resolve the dispute and offered to assign the arbitrator. Approximately 2 weeks later Lowe 's Risk Management contacted me and offered to send an appraiser to value the windows and XXXX agreed to replace the damaged goods.
The Bank was an impediment to getting the damaged goods replaced and/or crediting my account. Since the beginning of XXXX I have kept the Bank apprised of events with Lowe 's Risk Management and XXXX actions to remedy the damaged goods. The Bank has put a deleterious comment on my credit report for the months of XXXX, XXXX and XX/XX/XXXX. I have demanded that the Bank remove this stain on my credit report but no action has been taken. The simple fact that Lowe 's and XXXX took decisive action to avoid arbitration substantiates my claim. I believe that the Bank 's actions are not unique to me and that the Bank apparently colluded with Lowe 's to deny me my rights under the Fair Credit Billing Act.
|
| 10/18/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
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In XXXX, secured a line a credit via Care credit ( Synchrony Bank ) as advised by my dentist to assist with additional coverage amount needed that would not be covered by my dental plan. The amount approved was XXXX at full-time employment. When, my payments schedule was calculated and adjusted I could n't make the required minimum payments and reached out to synchrony bank many times to adjust my payment as I lost my full-time job to part time status. I ask to reduce my payment and was denied on multiple times. I sent what I could, but it was never the required amount of XXXX. Each month, I was always late and I constantly called only to get a foreign accented person that would put me on hold to see if I qualify for a special program, then told " no. '' So, every month I paid what I could afford to send and every month I received calls saying I was late. Noone would help me reduce my payment, they said my account was too new and that I did n't qualify for there special program. I asked what program was that, but got another foreign person who could n't explain it to me, but would transfer me to another XXXX manager, who basically stated the same thing. Finally, six months later, I requested a seize and assist on the constant collection calls that called me every day on both my home # & cellphone #. However, no one from synchrony bank would help me lower my payment and expected me to pay XXXX on a limited income. I called in XXXX XXXX and spoke with someone in their collection department that spoke XXXX named " XXXX. '' She gave me a settlement offer and told me that the account was going to charge off in 169 days. At that time, I could n't pay the settlement but told her the account had already been charged off and posted to my credit file in XXXX XXXX ... it posted to all XXXX credit bureaus which lowered my credit score and negated my opportunity to try to get any funds to pay or accept the settlement offer. However, knowing that I have 169 days before it leaves the office, I 'll call back for another offer. 2 weeks later, I got a certified letter from an attorneys ' office in XXXX, NC regarding this account. I was soooo frustrated and puzzled, I called the office and never spoke to the atty, but vmail. Only vmail back and forward, basically stating that I was surprised that this account was with them and left reasons. I felt I was violated without rights to settle and never heard back from this atty. I called back to synchrony bank and spoke with someone again..XXXX and express my strong concerns and violations of rights to settle. The account was pulled back from the atty. Noone still has yet to contact me until XXXX/XXXX/XXXX. I just got a letter stating that this account has been sold to XXXX XXXX XXXX XXXX and if I have any questions, I should contact them. This has been a true nightmare. I 'm not trying to get out of paying, but I just needed to adjust my payment amount until my income increased. ..all phone calls were recorded. Help ... this is not right at all.
|
| 10/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
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I was preparing to make a {$4600.00} purchase from the store Crate & Barrel. I used XXXX to find out if there was any financial benefit for me in opening a Crate & Barrel credit card and using that for my large purchase. I found that I could earn approximately 10 % cash back if I used a Crate & Barrel credit card. I obtained the card from Synchrony Bank and made the purchase on XX/XX/2023. Almost a month later on XX/XX/2023, after I paid my first credit bill in full, I received an email notification that I had earned a {$460.00} reward certificate and that it expired approximately three months later, on XX/XX/2023. I assumed that this reward worked like other major credit card rewards programs and did not read the fine print in full.
The fine print stated : " Valid for one-time use on merchandise purchases made with your Crate and Barrel Credit Card and XXXX Credit Card account and/or Crate and Barrel Mastercard and XXXX XXXX account ( Account ) at U.S. Crate and Barrel and XXXX stores and online at crateandbarrel.com and XXXX. Subject to credit approval. Not redeemable for Crate and Barrel or XXXX gift cards, gift certificates or any third-party gift cards. Not valid on past purchases. Rewards Certificates are not refundable or transferable for cash, credit, or other rewards. No photocopies or replications will be honored. Lost, stolen or expired Rewards Certificates are not replaceable. Rewards Certificates have no cash value and may not be redeemed for cash or its equivalent, and any unused portion will not be returned as cash. Rewards Certificates may not be used as payment on your Account. If the value of a purchase is less than the value of the Rewards Certificates being redeemed, then any remaining Rewards Certificates balance will be forfeited. Rewards Certificates are valid for 90 days from the issue date. '' On XX/XX/2023, I was shopping on Crate & Barrel 's XXXX app and selected {$110.00} worth of merchandise that I wanted to buy. From the app, I was able to select my rewards certificate as a form of payment and opted for in-store pickup. Nowhere in this purchase process did it state that I would be forfeiting the {$340.00} remaining of my rewards. A few days later as I made my way to the Crate & Barrel store for pickup, I checked the app to see how much remained in my rewards, and I was astonished to see that I had {$0.00} rewards remaining. I called the bank 's customer service line at XXXX and described the problem and asked how they could help me fix it. The customer service representative said she could not help me because their policy is that Rewards Certificates are one-time use only. I said that wasn't clear to me and asked if I could return my XX/XX/2023 purchase and get my full {$460.00} rewards back. She said that was not possible. I asked to speak to someone else, and she connected me to a supervisor. He said there was absolutely nothing they could do, that I had used my Rewards Certificate and under no scenario could a certificate be reinstated.
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| 10/12/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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In early summer ( 2021 ), I ordered online from Lowe 's, using my Lowe 's Synchrony credit card, a shower head and faucet for {$99.00}. We did not receive the items, and I had to purchase them from XXXX to get the items on time for our scheduled work. Worse, on XX/XX/XXXX, I ordered a bathtub online from Lowe 's for {$490.00} and was given a specific window of time for delivery.
When I received no other tracking information for several days, I contacted my local Lowe 's store and, after being placed on hold for more than 30 minutes, with calls being disconnected so that I had to call back, I was told that they could not provide me with the delivery information, although they did give me the number of the company making the delivery. When I called this company, they told me the item had been delivered. Then they told me it had not been delivered, but they could not give me a delivery date. At that point, I called Lowe 's again to cancel the order, as we had workers scheduled and I needed to get a bathtub to our home asap. Lowe 's told me they could not cancel the order. When the item did not arrive during the time frame I was originally given, I ordered another bathtub elsewhere. Then, a few days later, the delivery truck pulled up. We refused delivery and were not asked to sign anything.
Since this time, Synchrony Bank has been billing me by US Mail, email, and now they are calling me. I DISPUTED THESE CHARGES in late XXXX or early XXXX -- as soon as I received the first bill -- over the phone and was told that all billing would cease until the matter was investigated. But that's when the harassment began. Still, I have been receiving multiple emails telling me that my payment is late, and now I am receiving phone calls. I am being warned not to build up further charges! I have emailed and talked to Synchrony Bank representatives and told them to stop emailing and calling, reminding them that the charges are in dispute. The most recent phone call came last night around XXXX XXXX.
Today, I received a notification from Lowe 's credit card company that Lowe 's SAID they delivered the faucet and shower, so the {$99.00} payment is due with interest and late fees, and they are threatening me with additional late fees. They still have not resolved the issue of the {$490.00} bath tub and are not indicating that this charge is even in dispute. Again, in addition to the charges for the items, Lowe 's has tacked on interest charges and late fees.
I told them that if the shower items were delivered and possibly stolen from my porch, I will contact the police and I will go ahead and pay the {$99.00}, but as a disputed charge, I will not pay any fees.
This has gotten to the point of harassment, and I have made SEVERAL phone calls to both the bank ( Synchrony, which doesn't even accept consumers ' calls at this point ) and Lowe 's and have spent hours on the phone with them since XXXX, only for this harassment to continue. I have asked them repeatedly to stop emailing and calling.
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| 06/15/2015 |
Yes |
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Web |
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XX/XX/2015 I received CareCredit preapproval XXXX for expected dental work which I was advised could present letter with XXXX forms of ID to any dental provider.
XX/XX/2015 I booked a "free" consultation XXXX. I was given only XXXX plan of treatment estimated $XXXX Advised XXXX dental office I need to discuss with husband prior to commitment. Was advised by XXXX of need to make down payment on date of starting any work, that is when I showed him my preapproval which he took a picture with his phone and went to the computer and raised the credit line to XXXX without my approval. I later learned he also charged the $XXXX and I now believe he presented a forged signature to CareCredit when I advised them I did not authorize this charge. I XXXX notified Care Credit by phone XX/XX/XXXX of the charge not authorized but agreed to call back after talking to dentist to request he reverse the unauthorized charge which XXXX refused to do, so on XX/XX/XXXX I filed the unauthorized charges dispute with Care Credit and again on XX/XX/XXXX asked XXXX to reverse this charge for services not received and also requested he reverse fraudulent charges to my insurance company. All of which he refused.
The folloup visit after the XX/XX/XXXX "free consultation" was on XX/XX/2015 - upon checkin was asked for down payment, advised would not make down payment for prior estimated plan as did not approve and arrived early to discuss other options
Was advised XXXX to go ahead with XXXX procedure XXXX and would fully discuss new treatment plan and understand all charges before left dental office that day. Did not happen.
XXXX miscellaneous other work which I never understood or received any explanation of charges for even though I called several times between XX/XX/XXXX and XX/XX/XXXX and was only advised could make an appt on XX/XX/XXXX to speak with XXXX as he was only XXXX authorized to discuss my treatment and charges and was out of town until XX/XX/XXXX despite he filed claims XX/XX/XXXX and XX/XX/XXXX (very hurriedly) as he knew I did not approve of the preestimate given XX/XX/XXXX .
XXXX would not discuss alternate plan on XX/XX/XXXX stating it would cost additional XXXX to make any changes to plan.
XXXX has now presented to CareCredit XXXX stating offer to refund $XXXX and that $XXXX is for services rendered which are absolutley false. Only work I can confirm is a XXXX estimated on original pre-estimate of $XXXX XXXX. He has fraudently been reimbursed by my dental insurance $XXXX for $XXXX charged for Free Consult and XXXX never received all part of the preestimate I did not approve or go back for. CareCredit states they have to go with Dentist charges even though I did not authorize the charge as they presented a signed receipt(I believe forged) and statement of services. When asked how I can complain about their inability for a fare dispute process they told me to google it or go to BBB that XXXX Care Credit did not have to give me who to further dispute against Care Credit with.
|
| 09/23/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
Older American |
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In XXXX, the XXXX XXXX XXXX banked with XXXX Bank. I received a letter from the bank that said, future payments should be made to Synchrony Bank. I immediately called the XXXX XXXX XXXX and asked, what I needed to do. I was told to call the bank, since the XXXX XXXX XXXX was not allowed to contact the bank, they were however able to Transfer calls. As time went on, I placed my orders with the XXXX XXXX XXXX as usual! When my New Card arrived from the Synchrony Bank I went into my Bank account and changed the account number. Of course, I had to activate the card which was done. When I would order something, they would say, " YOUR ORDRT IS COMPLETE AND CHARGED TO YOUR ACCOUNT ENDING IN XXXX ''! I knew this was the wrong account number, so I called both Home Shopping Network, which in turn transferred me to the Synchrony Bank once again to the Synchrony Bank. I spoke to a woman by the name of XXXX. She advised me that " I was fine there no need to be concerned! '' I even read the card # to her, once again she said " That is correct there is NOTHING for you to be concerned about '' Now. XXXX XXXX XXXX has wiped my account, and Synchrony Bank, says I owe them $ XXXX dollars!
I did my due diligence with both the bank and the XXXX XXXX XXXX! There has to be some record of where my PAYMENTS have been sent. According to Synchrony Bank they have no record of ANY of my payments. I am sure my Bank " XXXX XXXX XXXX '' put at least the last XXXX numbers of my credit card on the account! " XXXX ''. I have done everything I can to but the Synchrony Bank insist I still have to pay them the amount. This is NOT my fault, the fault lies with the banks and not paying attention to the information provided to them. My last Statement from XXXX showed that I had XXXX Flex payment left for an XXXX PRINTER that I had purchased in the amount of {$16.00} ; in addition, where has my other payments gone to? I am XXXX XXXX XXXX and do not have this kind of money just lying around. XXXX only knows what these people will do to my Credit History! I am hoping that you can INVESTIGATE this bank to see if they have done anything like this to anyone else. I have requested my bank statements to show all of the funds that I have sent to Synchrony Bank in XXXX, ( WHICH ARE COSTING ME {$5.00} per Statement ) they are only requesting $ $ $ from XXXX. But first I need to find out how much money I have sent to Synchrony Bank?
After all I did do my due diligence, not only to XXXX, but to the Synchrony Bank as, well, and for a member of their STAFF to tell me NOT to worry about it. On a personal note, I have NEVER BEEN LATE WITH A PAYMENT, & USUALLY SEND THEM OUT DAYS IN ADVANCE SO THEY ARRIVE ON TIME, WHICH IS THE XXXX of the month, Since I do ONLINE BANKING If, you are unable to assist me, I am hoping you can help by forwarding the following to the proper authorities, these people need to be investigated!
Thank you for your assistance.
XXXX XXXX XXXX XXXX. As you can see by my Banks they have the RIGHT CARD #!
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| 02/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American, Servicemember |
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Synchrony Bank the owner of my Sam credit cards added {$1000.00} to Sam Credit Card illegally without my knowledge or permission. Synchrony Bank and Sam Credit Card forward a letter with false information to the 3 Major Credit Reporting Agencies. Synchrony Bank reported that I exceeded my credit limit by {$1000.00} which totally false therefore violates the Fair Credit Reporting Act. I set up a monthly payment schedule with Sam card for the 7th of the month. I notice prior to my payment due XXXX XXXX, XXXX in late XX/XX/XXXX that my regular XXXX payment was changed to XXXX called Synchrony and spoke to a representative prior to the due I was assured that the amount would change. I have no reason to believe what told however on XXXX I that Synchrony withdraw XXXX for my checking account at XXXX XXXX XXXX XXXX without my permission, the balance at this was XXXX therefore an overdraft was created. I got in touch with XXXX XXXX requested that funds be return to my account immediately. The representative informed me that he would be 30 days before my funds could be returned. I filed a dispute with XXXX XXXX XXXX XXXX Fraud Division XX/XX/XXXX I provided Synchrony Bank a copy of that Dispute as Attachment XXXX of my Dispute filed. I received a check for XXXX from Synchrony Bank on XX/XX/XXXX. I deposited check at XXXX XXXX XXXX XXXX Mon. XX/XX/XXXX. I told the teller at that time this would settle my dispute. I paid my bills and overdrafts fees. A week later I not only noticed that my balance on my XXXX increased my {$1000.00}, my monthly increased from XXXX to XXXX a month without any explanation I filed a Dispute early XXXX concerning this matter. I finally received a letter from XXXX XXXX Corporate Specialist, Consumer Relations, Synchrony Bank dated XX/XX/XXXX. I will in the following paragraphs share some of the quotes from that letter I find very important not explained. " The Customer service representative requested that the payment of XXXX be returned to you in the form of a check. However, the payment in the amount of {$920.00} was reversed and applied back your account. '' My question here is why was it reversed? The money that was given to me was MY FUNDS to replace the funds taken from my account. The answer to that question shed light on this issue however was left unanswered REALLY!!! THE CHECK IS THE ONLY FUNDS I XXXX XXXX RECEIVED FROM SYNCHRONY BANK. HOW CAN YOU REVERSED FUNDS THAT DON'T BELONG TO YOU IN NORTH CAROLINA WE CALLED THAT STEALING.
There is another quote in this letter I found to offensive " Based on your inquiry, we have reviewed your account record and verified we have accurately reported your account.
history information to the major credit bureaus. How could this be true if you reversed the money provided from the check my account would be XXXX. If that is not the case you stole the funds why wasn't the funds used to pay my account. I find this not only a violation of my Civil Rights and Racial Basis based on my Age XXXX and my Race Black.
|
| 08/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I applied for a {$500.00} secured credit card. I paid the secured card in full. I used it for XXXX and In XXXX wanted to bring the balance down. However, my account had similarities, I added the wrong account unbeknown to me. Amazon probably attempted to collect the funds but was unable to. The excuse that they mention the reason they'd closed the secured card was due to payment failure without reaching out to me first. Based on their information I had a pending payment same payments that cause my account to be closed, they said these payments were, in fact, pending when they closed the account for insufficient funds on XX/XX/XXXX. But yet still I received a check on the XXXX dated XX/XX/XXXX Check # XXXX, Memo XXXXXXXX XXXX from Synchrony Bank Amazon.com Store Card. I cashed my check in the faith that it was a indeed valid check. In XXXX after I had XXXX I received an alert from XXXX letting me know that I had a debt and it was Amazon. I knew that I did not owe Amazon any money. I reach out, They told me they had a supervisor reviewing it and found out it was their error and that they would remove it from my credit report. Any report that I see on my credit report will be in good standing before they remove it. Friday, XXXX points were removed from my credit profile because of these people 's PROFESSIONAL NEGLIGENCE in their work. They are harassing me and telling me that I have to pay them back their money. This issue brought harm to my credit. The reason I took a secured card was for this not to happen. First of all, you knew the payment failed that was the main purpose of closing that secured card. They said at the time balance was {$510.00} including fees on a full {$500.00} down ( secured ) They decided on top of closing my account to mess up my credit history. they mischievously send {$220.00} back to me so I can be trapped they will have reason to collect because of the mispayment that I submitted not payment due but payments that I was trying to bring my balance down thinking I was using the right account. This negligent infliction of emotional distress on me. I will file legal actions against them if they do not correct their error. Based on experiences with other consumers. Synchrony Bank, Amazon 's financial credit provider will hold off payment for 10 days before providing any credit to the client. So they closed the account on XX/XX/XXXX and cut a check made payable to me on XX/XX/XXXX, less than 10 days when they knew funds were not available 24 hours after submitting my payment online based on them which causes an automatic closure and that was why they did not reach out to me to try to collect the debt. Yesterday when I called them admitting that they made a mistake but I have to pay them back. Supervisor also stated that the declines for unsuficient funds will come to them within 24hours. Why was this negligence part of Amazon? I need that to be removed of my credit. I will also file a FTC against them and more action would be taking for harming me.
|
| 09/30/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/2021, I called Amazon/Synchrony Bank at XXXX to pay off my promotional balances, as per the instructions on my account statement. The representative I spoke to was happy to help me. She told me that I could make a payment with her, at no cost, to completely pay off my promotional balances. She calculated the total amount needed to pay off my promotional balances and I provided her with my payment account information. She told me that she was allocating the payment as we were on the phone. I was happy.
Then I got my statement and it indicated that the promotional balances had not been paid off. I called the same number on XX/XX/2021, and was told that the payment had not been allocated to the promotional balances. That representative said I would have needed to change how payments were allocated, via the website, prior to making my payment and that they couldn't do that for me at the customer service number ( even though my statement said to call customer service if I wanted to pay off my promotional balances ). I pointed out that taking my money and lying about how it would be applied is fraudulent and he agreed to submit a request for reallocation of the payment. He said it should be resolved in 5-7 days.
Tonight I called back in and was told that they did not reallocate my payment, they refused to confirm whether any request had been made to do so. They will not apply my payment to my promotional balances. They further stated that the only way I can pay off my promotional balances is to pay off my entire non-promotional balance first. This is also a lie because I learned from my call on the XXXX that I can change the settings online to allow my payment to be applied to the promotional balance.
As of tonight, I have requested the return of the funds I paid to be used to pay off my promotional balance. I specifically requested that they DO NOT return the amount I paid for my minimum payment due. My intention is to take those funds ( if I get them ), change the settings online, and then resubmit the funds to pay off my minimum balance.
Based on the lies that I have been told so far, I am afraid that the request for the return of my funds was not really submitted and when I call back next week, there will be a new set of " facts '' to keep me from being able to pay off my promotional balances. Dealing with the lies is so stressful and frustrating. If I had been told the truth from the start I could have easily taken care of this and moved on with my life, instead of wasting hours of my time calling repeatedly, doggedly arguing the point to try and get Synchrony Bank to allocate my money the way I was told it would be allocated when I called the number my statement told me to call, and now filing a complaint with the CFPB.
I should not have to do this. Companies should not be allowed to just lie to their customers, take their money, not do what they said they were going to do, and get away with it. This must be fraudulent and they should be held accountable.
|
| 10/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Synchrony Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Synchrony Bank the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Synchrony bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Synchrony Bank never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.4 states that you must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to ( 1 ) the customer and ( 2 ) the consumer. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
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Web |
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I am writing to express my deep frustration and disappointment with the lack of action taken by XXXX XXXXXXXX XXXX XXXXXXXX regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns.
I discovered an unauthorized credit card account under my name with XXXX XXXXXXXX XXXX XXXX XXXX I can confirm with utmost certainty that I did not initiate the application process nor provide consent for the card to be opened. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being.
As soon as I became aware of this fraudulent activity, I immediately contacted XXXX XXXX XXXX XXXXXXXX XXXX customer service hotline to report the issue and seek assistance in resolving the matter. To my dismay, I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation.
Despite providing detailed information about the fraudulent account, including evidence that it was opened without my knowledge or consent, XXXX XXXX XXXX XXXXXXXX has continuously disregarded my pleas for assistance. I have provided documentation, such as copies of my identification, which clearly show that the information used to open the account does not match my own. However, these efforts were met with indifference, and your institution has seemingly ignored the severity and urgency of this matter.
I am appalled by the lack of urgency and concern displayed by XXXXXXXX XXXX XXXX XXXX in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm.
I demand that XXXX XXXXXXXX XXXX XXXXXXXX promptly initiates a thorough investigation into this matter and takes immediate action to close the fraudulent credit card account. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident.
Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation.
I trust that XXXX XXXX XXXX XXXXXXXX will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
|
| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
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Web |
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I am writing to express my deep frustration and disappointment with the lack of action taken by XXXX XXXX XXXX XXXX regarding the fraudulent opening of a credit card account in my name. Despite my repeated attempts to dispute the fraudulent activity and provide evidence of my innocence, I have encountered an alarming level of disregard for my concerns.
I discovered an unauthorized credit card account under my name with XXXX XXXX XXXX XXXX XXXX I can confirm with utmost certainty that I did not initiate the application process nor provide consent for the card to be opened. This act of identity theft and fraud has not only compromised my personal information but has also had a detrimental impact on my creditworthiness and financial well-being.
As soon as I became aware of this fraudulent activity, I immediately contacted XXXX XXXX XXXX XXXXXXXX XXXX customer service hotline to report the issue and seek assistance in resolving the matter. To my dismay, I was met with a frustrating series of unhelpful responses, delays, and outright refusal to take appropriate action. The representatives I spoke with seemed dismissive and failed to demonstrate a genuine commitment to rectifying the situation.
Despite providing detailed information about the fraudulent account, including evidence that it was opened without my knowledge or consent, XXXX XXXXXXXX XXXX XXXX has continuously disregarded my pleas for assistance. I have provided documentation, such as copies of my identification, which clearly show that the information used to open the account does not match my own. However, these efforts were met with indifference, and your institution has seemingly ignored the severity and urgency of this matter.
I am appalled by the lack of urgency and concern displayed by XXXX XXXXXXXX XXXX XXXXXXXX in addressing this serious matter. As a victim of identity theft and fraudulent credit activity, I expect your institution to prioritize the protection and well-being of your customers. Instead, I have been subjected to a prolonged ordeal, which has caused me significant distress and financial harm.
I demand that XXXX XXXXXXXX XXXX XXXXXXXX promptly initiates a thorough investigation into this matter and takes immediate action to close the fraudulent credit card account. Additionally, I insist that all negative marks and erroneous information related to this fraudulent account be expunged from my credit report. Furthermore, I expect compensation for the damages incurred, including any fees, penalties, or financial losses resulting from this incident.
Failure to address this matter promptly and adequately will leave me with no choice but to escalate this complaint to relevant consumer protection agencies and seek legal recourse to protect my rights and restore my financial reputation.
I trust that XXXX XXXXXXXX XXXX XXXXXXXX will take my complaint seriously and act swiftly to rectify this distressing situation. I eagerly await your prompt response and resolution to this matter.
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| 11/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
|
|
Web |
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Hello, I am writing to report an issue with Care Credit ( Synchrony Bank ).
I received notification via my credit monitoring service yesterday ( XX/XX/XXXX ) that my Care Credit card account has been closed. I have been a cardholder for at least 12 years and have a card that does not expire until XXXX. I called the customer service phone number and spoke to an initial representative and after a 45 minute hold, spoke with a manager named XXXX.
When I called Synchrony Bank to ask why the account had been closed I was told that it was closed 5 days ago due to inactivity. My last activity on the card was XX/XX/XXXX. The representative stated that their terms and conditions state they can close an account for any reason. The representative also confirmed that their policy is to send a pre closure notification 3 months in advance. I have received zero correspondence from Care Credit and only found out about the account closure from XXXX XXXX. The representative also confirmed that there was ZERO notice sent to me before closing the account and stated they can not reopen accounts. I did then ask to speak with a manager and spoke to XXXX. She told me that they do notify " some '' customers via pre closure notice but could not tell me how it is decided who will be notified and who will not. She then argued with me stating that XXXX was 5 years, chided me for not using the card recently, and indicated that some other department can reactivate my account but did not name that department or transfer me there. XXXX then told me that the " only '' way I might get my account reinstated is by logging on to my account and sending a secure message. After 75 minutes on the phone our call ended and I tried to login. Once I logged in I was notified that my " account information is not available online '' and I was directed back to the same customer service phone number I called earlier. I do believe that the customer service rep likely knew that I would not have access online and was simply trying to get me off the phone.
If I had received the appropriate notice that apparently " some '' customers are sent, I would have used the card in order to prevent this closure. I do understand that under the Credit Card Act of XXXX that they do not need to notify consumers of closure, however if it is protocol within the company to notify cardholders 3 months in advance and that did not happen in this instance ( for whatever ) reason, then the appropriate solution would be to reinstate the account and then give appropriate notice.
Lastly, Since this was a longstanding account with {$0.00} balance, this action harms my credit by lowering the length of credit history and increases my percentage utilization of credit cards. Now, due to the company 's failure to follow their own protocols, I have a negative report on my credit. I am concerned because I am buying a house and this negative credit incident may affect rates. I do believe that this incident reflects predatory business practices.
|
| 04/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
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Web |
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On XX/XX/XXXX, XXXX reduced my credit line to {$700.00} from a credit line of {$2400.00}, which also affected my credit score by lowering the credit limit. I have never been late on the credit card payments, payments were made on time and I have been in good standing with XXXX since the credit card was established in 2018.
My credit card was reduced around the time when the Caronavirus Pandemic became a Global crisis. My credit card was reduced during a time when I needed the credit card limit the most and my credit score. To reduce my credit card on XX/XX/XXXX, made me believe that my credit card limit was reduced on purpose due to the Coronavirus Pandemic crisis and being out of work, which they believe customers would default on the credit card and possible could not pay.
At the time, my credit card limit was reduced, another one of my creditors ( XXXX ) placed a derrogatory mark on my credit report, stating I was 30 days late which I was not XXXX had a glitch in the payment processing and the payment did not get posted. This was not my fault but XXXX 's fault. I also filed a compliant against XXXX for the negative reporting with CFPB, which XXXX has since updated my credit report with all three credit reporting agencies.
I was also given the reason why my credit card limit had change because of the negative reporting from my new mortgage company ( XXXX Mortgage ) which my mortgage was transferred from XXXX XXXX XXXX to XXXX Mortgage. The transfer of my mortgage created a lot of issues in my monthly mortgage payments with XXXX Mprtgage, which took several months to get corrected. XXXX mortgage place 4 late payments on my credit report which also affected my credit score. All payments were made and the account was/is up-to-date with XXXX Mortgage at the time XXXX reduced my credit line. Prior to reducing my credit line, I was not contacted by XXXX to give an explanation about my new mortgage company and their credit reportings of the late mortgage payments. I have never had any problems with my previous mortgage with XXXX XXXX Serving that I had for almost 15 years, my mortgage problems did not began until my mortgage was transferred to XXXX Mortgage, which ultimately affected my credit, ruin my whole life with my other creditors and my line of credit. I do not have a new mortgage with XXXX Mortgage, my mortgage was " transferred '' from another mortgage company to XXXX Mortgage.
XXXX had no right to reduce my credit line based on the negative reportings of XXXX Mortgage and XXXX, which affected my credit score. At the time, When XXXX extended me credit, I also had all of the credit cards that I have listed on my credit report now, which did not affect my credit approval with XXXX. Therefore, the excessive credit cards and high limit amounts should not be a factor now in my credit limit with XXXX.
I am requesting that XXXX put my credit line back at {$2400.00}! I don't have a problem with paying my bills or paying the credit card bill with XXXX.
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| 05/15/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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On XX/XX/2018, my husband and I went to Pep Boys to buy eight new tires for our two vehicles because Pep Boys was having a promotion of buy two tires, get two free. Upon arrival at the store, there was also a promotional sign stating that if you applied for the Pep Boys credit card and were approved, you would get an additional 15 % off your purchase that day. The manager of the Pep Boys also informed us of the credit card promotion when payment was being discussed. My husband and I each applied for the credit card. Both of us were approved. I purchased the tires for my vehicle on my newly approved credit card and my husband purchased tires for his vehicle on his newly approved credit card. I asked the manager of the store how we would get the 15 % off the individual purchases and he informed me that the credit card company would take the 15 % off. About a month and a half later, after receiving the first statement on my credit card, I called the credit company that had issued the card from Pep Boys, Synchrony Bank, to ask how/when the 15 % off would be applied to the purchase. The representative at Synchrony Bank informed me that it could take up to 3 billing statements for the 15 % to be applied to purchase and to pay the minimum payment until i saw the statement credit applied. In the beginning of XX/XX/XXXX I still did not see the 15 % come off on either my husband or I 's statements for our credit cards. I then called Synchrony Bank again and a representative told me she did not know which promotion I was talking about and that there was no record of a promotion like what I was describing existing. The representative at that time suggested I call the Pep Boys store I made the purchase at to get more information about the promotion and to call back. I then called the Pep Boys I made the purchase at and the manager could not remember this credit card promotion either. I then went online and found the Pep Boys flyer from the time frame of my purchase ( https : //blackfriday.com/ads/black-friday/pep-boys/2 ) and realized that I was wrong about the promotion being 15 % because in the flyer it stated 10 % ( up to {$50.00} ) would be paid as a statement credit. I then called back Synchrony Bank and a representative informed me that in order to be eligible for the promotion I needed to have registered for the promotion by a certain date in XX/XX/2018 and the promotion only applied to purchases that were over {$490.00}. Even when i gave this representative the link to the above mentioned flyer, she told me that this was a Pep Boys promotion and had nothing to do with Synchrony Bank. This representative refused to give me any credit to my statement for the promotion.There is clearly either false advertising or a hidden requirement for this promotion. I never received any material in the mail or via email regarding the requirements the representative stated. I was also given conflicting information from representatives at Synchrony Bank from XX/XX/XXXXto XX/XX/XXXX.
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| 03/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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Web |
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Synchrony Bank XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX APPLICATION To whom it may concern : I am writing in regards to the previous letter i sent dated XX/XX/XXXX. It was sent via Priority Mail and Certified Letter. The tracking number was XXXX XXXX XXXX XXXX XXXX XXXX. The letter never made it to your facility.
I recieved a letter dated from you today, XX/XX/XXXX dated XX/XX/XXXX. The rep XXXX XXXX XXXX must have not took any time or due diligence to rectify the issue. In my previous letter I had enclosed a copy of my XXXX Credit Report dated XX/XX/XXXX. I have included another copy in this new letter attached to this CFPB complaint.
In addition, I spoke to XXXX directly on XX/XX/XXXX and was advised by XXXX that they did not provide you this information regarding my name under my social security number. XXXX, agreed with my findings that there is some mistake on your end. XXXX advised there is nothing to dispute with them at this time because the data points you mention in the letter do not coincide with my credit report.
I am pursuing you legally in the XXXX XXXX XXXX XXXX XXXX, located in XXXXXXXX XXXX, in XXXX XXXX.
I am pursing you for negligence to engage in corruption and to obtain falsifying information that you claim is true in a XXXX Credit Report done on XX/XX/XXXX.
I am pursuing you in the amount of {$370000.00} - You are welcome to settle with me outside of court, and to discuss a monetary value that I will accept.
The reasons for my actions are due to a denial letter that has listed false, incomplete and non factual data about me that you " claim " you obtained from XXXX. I have included a copy of my credit report from XXXX provided to me by my bank at XXXX XXXX XXXX dated XX/XX/XXXX. The data points you have listed in the denial letter do not come close to or match the data points listed in my credit report. I have also included a 6 month trend of my XXXX XXXX. It was never a XXXX.
I will be filing a complaint with the XXXX XXXX XXXX XXXXXXXX XXXX, Office of the Comproller, The FTC, and The Consumer Financial Protection Bureau to notify them of XXXX, and your illegal acts.
The XXXX derogatory item listed on my XXXX Credit Report was from XXXX XXXX in the amount of {$550.00} and was paid off in XXXX thus making this not a recent deliquency. This has not affected me to obtain credit elsewhere.
I do not have any past due accounts I do not have few accounts reported to the credit bureau - XXXX open accounts, XXXX are closed.
I expect this to be corrected and to be rectified. I will not accept a response of " theres nothing we can do. " I will not accept a response of " unfortunately, i need to dispute with XXXX " I am holding you accountable for your falsified, kniving, lying tactics you try to play and use with consumers. Please see the attached files.
Sincerely, XXXX XXXX XXXX CC : XXXXXXXX XXXX XXXX Attorney XXXX XXXX, Office of the Comproller, The FTC, and The Consumer Financial Protection Bureau
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| 04/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
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Web |
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In XX/XX/XXXX I was advised by XXXX ( XXXX XXXX XXXX XXXX ) to do an eye procedure to cure my eye problem. This procedure was not covered under my insurance, so they recommended me to 'Care Credit ' and provided me with information on CareCredit scheme operated by Synchrony bank. I contacted CareCredit/ Synchrony bank and asked them about the scheme. They said if approved I will get a credit of {$4800.00}. They said this credit will be interest free for 1 year. Based on the offer recommended by the agent over the phone, I applied for and got approved. I used the card for my XXXX XXXX and have been paying {$200.00} per month to pay off the credit debts. I conducted my XXXX XXXX on XX/XX/XXXX and have been paying back my loan ever since till now. But to my amazement, the bank charged me {$890.00} on my XX/XX/XXXX statement. This was done without giving me any warning or notice or my authorisation. Because this was done secretly by the bank I was not aware of this until recently I checked my statement for XXXX. So I managed to bring my credit down to {$1600.00}. But now they have charged {$890.00} to my debts for NO REASON WIHOUT WARNING ME. I have not received any alerts or warning. This charge was not discussed when I opened the account and if Bank had informed me, I would never have agreed to taking their credit product. I called Synchrony Bank and pleaded with them to remove the charges because this was EXTORTION and UNFIAR charges. I can understand and agree with paying interest on my outstanding credit. I believe it is fair to charge interest on credit given by bank. But what Synchrony bank has done is extortion. Even though my credit with the bank was only {$1600.00}. I was charged interest for the entire amount. This was not agreed in the first place and I will not have borrowed if the bank had been honest and upfront. I called the bank on XX/XX/XXXX. I was told there is nothing they could do because they has a clause like that in the small print that I signed online. I informed them that I was not informed about this condition and they said they 'unfortunately can not do anything about it '. I tried to explain them that the agent who sold me did not tell me about it and I was told they work like a normal bank credit card where you ONLY pay interest for your outstanding debts. I believe they hid this fact from customer such as me when they sold me their credit card and once I have fallen in the trap they charge ridiculous interest because they know that once I sign up there is no way out. I borrowed money from my relatives and paid off synchrony banks debt as I do not want to deal with thiefs such as Syncrony bank. I read reviews online and I came to know I am not the only one who had his fingers burned with this particular bank. I would like to bring to your attention that they charged me normal interest outside the 1 year no interest period that was initially agreed and I CAN CONFIRM I AM HAPPY TO pay this. But charge {$890.00} on top of that is unfair,
|
| 10/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American |
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When I upgraded my cell phone with Verizon they offered me a {$10.00} credit each month if I used their Synchrony Bank XXXX XXXX for auto pay for the cell phone and paperless statement. I agreed to that. Verizon had a Verizon UP rewards program that issued a few dollars each month and I always choose to use it as a credit against my monthly bill. It became very confusing with the Verizon Up points because Verizon would text me ( after paying that month 's bill ) that I had points to use and when I would go on line to have them credited against my bill it would state that I couldn't use the credit against a XXXX balance. For an example, on XX/XX/XXXX I was billed for my Verizon cell phone the amount of {$53.00}. I had reward credits of {$1.00} which I deducted from the bill amount and I paid the credit card for {$51.00}.
Verizon cancelled the Verizon UP rewards program without notice so I was using these points thinking I was saving {$1.00} XXXX each month. When I incurred Interest and late fees I called Synchrony Bank XXXX on XX/XX/XXXX to try to understand what the late and Interest fees on my bill. I spoke to XXXX who basically said that I had an unpaid balance of {$1.00} hence the late charges. This is when I was informed that the Verizon Up reward program had been cancelled. XXXX held her position on the late fees and after much frustration I cancelled the credit card. I began paying the Verizon bill via auto pay by my bank. I paid the balance due of {$55.00} via my bank checking account on XX/XX/XXXX.
I started getting calls from Synchrony Bank XXXX to call them every day to the current date.
On XXXX XXXX, XXXX I called Verizon ( on hold for XXXX minutes ) and spoke to XXXX. He said my new bill each month was going to be {$91.00} because I withdrew from their Synchrony Bank XXXX auto pay and paperless statement. This would amount to a {$35.00} increase in my monthly bill. This was not acceptable to me and I asked to speak to a supervisor. I was transferred me to XXXX. In talking with XXXX for close to an hour we set up through Verizon to be able to take the amount of the bill out of my checking account, returned to the paperless statement and my monthly bill was going to be {$59.00} XXXX.
I returned a call from Synchrony Bank XXXX and was told my account was sent to collections.
I called Verizon after receiving a bill for {$91.00} to see what had happened. In speaking to XXXX on XX/XX/XXXX she was as confused as me and put in a call to the Synchrony Bank XXXX people to try and prevent collections and resolve these issues. After another XXXX minutes specking to The XXXX XXXX it was clear she wasn't going to offer any help on late and interest fees even though XXXX said my account was paid to date. I told them both before I hung up that I was going to file a complaint with FIC.
It seems to me the the arrangement with Verizon and the Verizon Visa through Synchrony is in conflict. Verizon cancelled the Rewards program without notice that I can recall.
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| 03/20/2017 |
Yes |
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Web |
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I have a store credit card with Amazon that is owned by Synchrony Bank. Their promotional offers are for purchases made over a certain amt., there is either a 6 month or a 12 month interest waived offer, if promo balance is paid in full by it 's due date. Since getting this card, EVERY SINGLE PURCHASE I have EVER made on it, was ALWAYS for either the 6 mo promo offer or the 12 mo. and as every Promo has come up on it 's expiration date I have made Pymt IN FULL and WELL IN ADVANCE of each Expiration date ( note : this is in addition to the mthly min. pymt I also need to make to avoid interest, and every due date the min. amt has also been PAID IN FULL and WELL IN ADVANCE ), yet EVERY SINGLE TIME I pay off a PROMO charge IN FULL as it comes due, I find out I am STILL being charged INTEREST on it! I have written & done chat sessions with this co. EVERY SINGLE MONTH and have to go thru the entire ROUTINE over and over again, where they CONFIRM that I have NO " REGULAR '' purchases on this card ( and NEVER had any ) as well as the fact that EVERY PROMO and EVERY MTHLY pymt has been made on time and in full TO DATE! and that they will REVERSE the ( BOGUS ) Interest charge, and fix the problem, yet EVERY SINGLE TIME the next month comes around, and I check my acct. AGAIN there is ANOTHER NEW ( BOGUS ) interest charge tacked onto my acct! The ONLY REASON I ever 'happened ' to notice these charges in the first place is because I chose to click on my 'activity ' to MAKE CERTAIN they are applying every PROMO PAYOFF to the correct PROMO that comes due, and that is the ONLY reason I CAUGHT their ILLEGAL and CONTINUOUS charging of Interest that has no relevance. The reason I am filing a complaint here is not just because I am getting SICK AND TIRED of going thru this ROUTINE with them EVERY SINGLE MONTH, but also because I can imagine how many customers holding a Synchrony credit card are being charged ILLEGAL interest on their accts EVEN THOUGH THEY ARE PAYING OFF THEIR PROMO BALANCES IN FULL AND BEFORE THEY COME DUE! ( this cr cd company is MAKING MONEY on UNSUSPECTING CUSTOMERS via a few dollars here and there being charged ILLEGALLY, and going 'unnoticed ' by customers ... who do n't think to look because they know there is no reason for any interest charge to even be on their acct, if they have been paying off all balances in full and before due dates expires ) ... ..yet this co. continues to charge me after EVERY PROMO is PAID IN FULL AND WELL IN ADVANCE OF IT 's DUE DATE, in spite of my CONTINUOUS contact telling them they are charging me ILLEGALLY! No one should have to go thru this SAME ROUTINE EVERY SINGLE MONTH to get interest reversed when it never should be posted in the first place! They are obviously MAKING MONEY on people who have no clue they are even doing this! ... and for me, they are DRIVING ME INSANE to have to keep contacting them MTHLY to reverse interest charges that are ILLEGALLY Charged in the first place! PLEASE look into this Fraud! thank you.
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| 07/26/2016 |
Yes |
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Web |
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In early XXXX, I noticed a charge that I was n't familiar with on my Sam 's Club MasterCard Account Statement from Synchrony Bank. The charge for ~ {$200.00} was made on XXXX XXXX in XXXX, FL and I live in UT. Synchrony Bank has a very archaic inquiry process which required me to complete a manual form and fax or send my inquiry in for processing. A response to my inquiry was finally sent on XXXX XXXX. The information provided by the Bank indicates that there were XXXX separate MasterCards used to pay for XXXX transaction. Each of the XXXX cards were charged the same amount and were signed by the same person. In addition to a Receipt of Charge for my account that I did not personally sign, the Bank also provided a copy of the driver 's license for what appears to be the individual who signed each of the XXXX Receipts of Charge. The letter from Synchrony Bank that accompanied this detail advised me that the transaction is valid and that the amount in question is now subject to interest charges and will be used to determine my minimum payment due. It does n't take a rocket scientist to realize that I did not sign for the transaction and that the identification provided ( driver 's license ) by the individual initiating the transaction does n't match my account. From my perspective, the transaction is clearly fraud, my card number has been compromised, and the length of time and the process required for me to identify and subsequently reach out to the Bank a second time to address the issue is clearly unacceptable. The Bank should have fraud detection processes in place to proactively identify and review charges that are potentially fraudulent. My transaction should have tripped the Bank 's fraud detection filters. The customer service reps whom I spoke to regarding the fraudulent transaction did n't give me a great deal of confidence that the matter would be handled appropriately. I 'm also concerned that the Bank provided me with a copy of another person 's driver 's license complete with name, address, date of birth, etc. ( PII ) without the individual 's permission. At this point, I 'm waiting for the charge to be deemed fraudulent, removed from my account, and to have my current card replaced with a new account number. I 'm also concerned that there are XXXX additional cardholders who received the same charge that I received on XXXX XXXX ( per support that I received from the Bank ) who potentially did n't or have n't yet identified the same fraudulent transaction in their accounts. The customer service rep initially advised me that these cardholders would need to dispute their own transactions but after additional pushing on my part said that they would attempt to alert the other cardholders of the potentially fraudulent transactions. I do n't find my experience, brought about by very poor operational and risk management processes, to be acceptable for any financial institution let alone one that is supporting such a large partner as Sam 's Club/Walmart.
|
| 12/01/2023 |
Yes |
- Credit card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I am writing to formally dispute the {$1100.00} interest charge that has been applied to my account, as I believe this charge to be in violation of the Federal Trade Commission XXXX ( FTC XXXX ) and consumer protection principles.
When I originally acquired the service from CareCredit MD, I was explicitly informed that the financing would be at 0 % interest until the balance was paid off. This verbal assurance led me to make decisions regarding the management of my finances and payment schedule. I made significant payments towards this balance, with the understanding that I was not incurring interest.
However, I recently noticed an interest charge of {$1100.00} applied to my account, which is contrary to the verbal agreement at XXXX XXXX of sale. I acknowledge that I signed a document regarding the service, but I was given verbal information that directly contradicted this document.
Additionally, I'd like to bring to your attention that I communicated my concerns to a customer service supervisor via chat. I was assured that there would be an internal investigation regarding this discrepancy, however, they did nothing to resolve my issue.
As per the " Standards for Determining What Is Unfair or Deceptive '' under the FTC XXXX : Deceptive Acts and Practices : " A representation, omission, or practice is deceptive if it is likely to mislead a consumer acting reasonably under the circumstances and is likely to affect a consumers conduct or decision regarding a product or service. '' Assessing Whether an Act or Practice Is Deceptive : The three-part test dictates : a. There must be a representation, omission, or practice that misleads or is likely to mislead the consumer.
b. The consumers interpretation of the representation, omission, or practice must be reasonable under the circumstances.
c. The misleading representation, omission, or practice must be material.
Given the above sections of the FTC XXXX, the verbal assurance I received about the 0 % interest financing meets the criteria of being deceptive. It was a representation that misled me, my interpretation of the representation was reasonable given the context, and the representation was indeed material as it influenced my decision to obtain the service and affected my subsequent financial decisions.
Furthermore, the act of not disclosing this significant interest charge, especially when contradictory information was provided verbally, can be viewed as " omission of information '' which XXXX be deceptive as " disclosure of the omitted information is necessary to prevent a consumer from being misled. '' In light of the above, I kindly request that the {$1100.00} interest charge be reversed from my account and any future interest charges based on the same be stopped. I also urge CareCredit MD to honor the verbal agreement that was made at the time of purchase, which was in alignment with my reasonable expectations as a consumer.
Thank you for your understanding and cooperation.
Sincerely,
|
| 03/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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I purchased a computer through Amazon on XX/XX/XXXX and have not received the refund to my card. The card is a Synchrony Bank Amazon store credit card. I have proof from Amazon support that a refund was issued to Synchrony Bank and it has been 110+ days since the refund was requested. Synchrony had a 90 day wait period and has since been actively doing nothing to help in resolving the matter. This is appearing on my credit score as a balance owed.
I have made multiple attempts to try to reach out to them via phone, email and through their online customer chat option and I am given the same run around every single time. The run around being, they tell me I have to wait 90 days and there could be delays.
The time line is XX/XX/XXXX Computer was purchased from amazon Order # XXXX Amount {$1400.00} XX/XX/XXXX received the computer/ discovered issues and sent out a return request as there was missing parts and the item was not built according to specs.
XX/XX/XXXX Amazon sent an email confirming the merchant issued a refund to snchryon XX/XX/XXXX I shipped the item in a ups store in XXXX XXXX NY using amazon provided label XX/XX/XXXX The item was confirmed returned by XXXX XX/XX/XXXX Email from amazon confirming the item was returned to them on the XXXX XX/XX/XXXX Synchrony sent an email communication confirming they would open the dispute of the failure to issue a refund to my account.
XX/XX/XXXX Amazon sent an email requesting more information regarding the unauthorized charge to my account to which I responded.
XX/XX/XXXX I received another email from amazon confirming a refund was issued on XX/XX/XXXX for {$1400.00} also claiming that the refund would show in 3-5 business days from my bank, in this case Synchrony bank XX/XX/XXXX I received an email from amazon customer support apologizing for the insane amount of nonsense I have hade to wade through XX/XX/XXXX synchrony bank sent an email opening ANOTHER dispute. This is when I received from them in the mail the first letter claiming that they will not issue a refund as they found nothing wrong with the account.
XX/XX/XXXX Message from amazon customer service acknowledging that synchrony bank has been issued the request to refund the amount charged.
XX/XX/XXXX Synchrony bank sent a message saying that I have not once attempted to reach out regarding the refund XX/XX/XXXX Response sent out to amazon USCARDSUPPORT was sent out with information regarding the refund XX/XX/XXXX I received a confirmation response sent on the XXXX XX/XX/XXXX I sent a message through synchrony banks online website with documents showing amazon confirmed they need to refund the amount was told to wait 10 days through their automated response XX/XX/XXXX I have a confirmation from synchrony that they have done nothing to look into the matter I have attached multiple supporting documents. I would greatly appreciate some help here as I feel like I am being cornholed by these guys. Thank you for everything you can offer to help.
|
| 03/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This complaint is my debt was settled with Synchrony Bank after they had offered me a settlement amount {$1000.00} ( 3 Installments = 2 x {$360.00} and 1 x {$370.00} ). Per my conversations with numerous representatives from Synchrony Bank, please see attached notations made by me with dates, times and conversations.
I am filing this complaint because I believed Synchrony Bank subsequently were Unfair, Deceptive and used abusive practices when they reported negative information about my account repayment to the Credit Reporting Agencies providing inaccurate information which is detrimental to my credit and is unfairly hurting my financial ability to raise my family after they made an agreement with me for a settlement amount, in which I paid them that said amount.
Filing this complaint was my last course of action because I have reach out disputing through the Synchrony Bank and the Credit Bureaus and nothing has been resolved. I have spoken to numerous representatives for Synchrony Bank, including but not limited to the following : XXXX ( ID # XXXX ) located in the Ohio Office on XX/XX/2019 at XXXX XXXX. In addition, also on the said date, I was transferred to XXXX in the Collection Department at ( XXXX XXXX XXXX XXXX XXXX. On XX/XX/2019, I spoke to XXXX in the XXXX, he stated he could not provide his ID Number or extension to me, however, she stated he went ahead and filed a report on my behalf. After speaking with XXXX, he transferred me to the system to make the 1st Installment of the Settlement Payment. The system somehow was unable to take my credit card payment.
On XX/XX/2019 at XXXX I spoke to XXXX in XXXX who took my payment and provided me a Confirmation Number : XXXX. On XX/XX/2019, I wanted to speak to a US Representative to confirm the conversation I had with XXXX on XX/XX/2019 in regard to removing the Charged Off from my credit file. After I was on hold for a few minutes, I spoke to XXXX XXXX ID # XXXX XXXX in XXXX at XXXX. She stated the US office closed at XXXX she then confirmed that the account was Charged Off and closed on XX/XX/2019 the same day, they told me to make the fist payment which was due on XX/XX/2019. I was upset but nonetheless, I requested a supervisor to give me a call back.
On XX/XX/2019 I XXXX I spoke a Resolution Specialist, Tallyn at Extension XXXX I explained the situation and she instructed me to go ahead and make the final payment of ( {$370.00} ) which I comply and she stated, shell go ahead and take care of the issue and to extend her some time to research the issue and get back with me.
The actions that took place was that I tried numerous times to reach her but to no avail. However, I later received the attached letter in the mail dated XX/XX/2019 stating the account is closed and that synchrony had that right. Subsequently, nothing has happened to rectify the situation to show Paid in Full for a lesser Amount and Not the Derogatory Status as currently being reported by the Credit Bureaus as Charged Off.
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 08/15/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
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On XX/XX/XXXX I contact Synchrony via phone to request that my CD be closed and acknowledged that an early withdrawal penalty would be assessed. On XX/XX/XXXX, the account was closed and transferred to a new account as requested.
I accessed my account online to document the amount of interest paid and the penalty amount for my financial and tax records. I noticed that this information was missing from the account history and that the running history balance goes from {$70000.00} to {$69000.00} without any transaction in between. The difference of {$220.00} is probably the interest paid and penalty assessed but without these being detailed in the transaction history, Im unable to determine and have no written record of it.
I contacted Synchrony Bank at their XXXX number several times and could not obtain a response. The customer service representative made some manual calculations and provided an amount of {$10.00} interest and {$210.00} penalty but this info doesnt appear to be correct to me as the penalty amount of 6 months would seem to be higher. I asked that this issue be escalated on XX/XX/XXXX and a case # was provided to me ( XXXX # XXXX ). I was told I would receive a response in XXXX business days. I did not receive a response and proceeded to follow-up with several calls after that in which I kept being told that the issue was resolved although the account history was still missing the transactions.
On XX/XX/XXXX I contacted the bank using the Contact Us form online and explained again what the issue was. On XX/XX/XXXX, I received a reply asking me to contact them via phone, which I did on XXXX/XXXX, only to have the customer service representative repeat that the issue was resolved. I asked to speak with a supervisor and was transferred to a person named Ever. I asked Ever to provide me with a written response via email or otherwise indicating the amount of interest paid and the amount of the penalty assessed but she said they couldnt do that either. I told them I would escalate this issue to their regulator and then she said to give her a couple of days to talk to her manager who would return the next day.
Today, XX/XX/XXXX I received a voice mail from Ever asking me to call Customer Service. She was not available but I spoke to XXXX, a manager who said the bank would pass the recommendation that the history be corrected to the proper channels. When I asked for the information regarding interest and penalty amounts, I was told I would not receive anything in writing until a 1099-INT is issued for the account in XXXX.
Synchrony Bank has been unable and unwilling to provide important account information that is missing from the system of record that I as a consumer rely on for accurate information regarding my account. This is unacceptable for a bank that I trust with my savings and undermine the trust that I placed on an FDIC insured bank. There is no reason why the bank cant send me a message or a letter detailing these amounts.
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| 06/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX stating they had purchased debt owed by me to Synchrony Bank Wal-Mart. According to their records the debt was purchased on XX/XX/XXXX. I did not immediately respond believing the account had been settled. On XX/XX/XXXX I spoke with a XXXX XXXX and stated I believed this was a mistake and disputed it verbally. She advised me to log into the collection account and dispute the validity of the debt and I did as instructed. I received a follow up call from a XXXX XXXX (? ) and I informed her I had filed a dispute with them online. She told me she would update my file and I have not been contacted by phone since. In XXXX of XXXX I received a letter telling me my dispute had been rejected and I owed on the account.
I then contacted XXXX XXXX XXXX who had handled my debt resolution between the dates of XX/XX/XXXX through XX/XX/XXXX. I was provided a copy of a cancelled check as proof of payment which I then provided to XXXX and disputed the debt again.Once again my dispute was rejected. Aggravated, I chose to do nothing further until after the holidays.Due to a series of life and health event, I did not start to address this issue again until XXXX of XXXX.
On XX/XX/XXXX, I again disputed the account and provided a copy of a settlement agreement provided by XXXX and a copy of funds dispersement ledger. I did not provide a second copy of the cancelled check since they were already provided XXXX. XXXX XXXX I received a letter informing me, yet again, my dispute had once again been rejected. I was provided a copy of a letter that was supposedly from Synchrony Bank validating the debt. I question the validity of this letter for several reasons. First, it is absent of any form of letter head that anyone would expect from financial institution the size of Synchrony Bank.Two, how or why would they provide a letter of validity with an incorrect account number? How were they able to verify anything without making the correction to the incorrect account number XXXX provided? Finally, the page layout, font and QR codes in the upper corners of the document give me reason to question its validity.
I have also filed disputes with the 3 credit bureaus in XXXX of XXXX and again in XX/XX/XXXX. They have done nothing other than update the information provided to them from XXXX.
All that being said, there is a simple explanation to the problem but XXXX nor the credit bureaus have done their due diligence. As a matter of public record, Wal-Mart parted ways with Synchrony Bank and was replaced by XXXX XXXX. XXXX XXXX then acquired Wal-Marts existing credit cards receivables portfolio which included current and delinquent accounts. When XXXX negotiated my Wal-Mart settlement, funds were dispersed to XXXX XXXX at the agreed upon dollar amount and deposited/cleared on XX/XX/XXXX. Synchrony sold this account on XX/XX/XXXX, nine days after it was settled with XXXX XXXX. I can not owe both.I am stuck in the middle.
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| 10/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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XXXX. XXXX Hello, On XX/XX/2022 a letter and a check arrived from Allegro Credit, now Synchrony, for a closed account. I had made the last payments to total {$1800.00} on XX/XX/2022. There were three last payments made in XXXX dated : XX/XX/2022 for XXXX, XX/XX/2022 for {$280.00} and XX/XX/2022 for {$280.00}. I tried to log onto the allegro website, at allegro.com to capture an image of the balance and the amount of credit on my account. The site stated that it was closed because of it being fully paid. I called Synchrony bank on XX/XX/2022. XXXX asked for my account 's number, phone number, and which service or product that the loan was being used. I gave all of the answers but they did not have my account within their files. I stated that they sent a check with the wrong amount on it. XXXX said that she would ask her manager and returned later to give a phone number for Allegro.I then called Allegro Credit and was hung up on twice without finding how much credit was on my account. The first person, a female, stated that her name was XXXX or something XXXX, which I asked for her to spell for me. She hung up the phone. The second person at Allegro ( XXXX ), on the same day seemed to have a XXXX XXXX while offering to send a check for {$230.00} at this time. XXXX then asked why I was trying to play games with him, whatever that meant, and hung up the phone.
On XX/XX/2022 I called Allegro and spoke to XXXX who stated that the account was closed but did I think that I overpaid them. I stated that when Allegro Credit XXXX closed my account that the check should be the exact amount of credit that was earned on my account. I did not owe anything and there were no fees to be paid. It was closed by them. She hung up the phone. I called back to Allegro Credit on the same day and the lady burped in my ear and hung up the phone. I called one more time to speak to XXXX. I asked to speak to a manager, and XXXX said that there were no managers. He then said that she was talking to two other supervisors, but he could have the manager call me later. I gave him my phone number, as I knew that he was lying and made a report to the XXXX XXXX XXXX.
The XXXX XXXX XXXX was not able to reach Allegro Credit and closed the case. At the closure of my Allegro account, I had {$1000.00} plus to be cashed. I had captured an image of {$510.00} in credit from XX/XX/2022. I had made payments from XX/XX/2022 for {$150.00}. On XX/XX/XXXX, I paid {$150.00}. I had paid {$150.00} on XX/XX/XXXX. A payment of {$150.00} was made on XX/XX/2022. On XX/XX/XXXX, I paid {$150.00}. The XXXX of XXXX I paid {$150.00} and on XX/XX/XXXX, I paid {$180.00}. The last payments for XXXX had been listed above to total {$1800.00}. They rarely sent payment notices, but sent a payment book to remit by mail. I paid online, so I did not use either way and finish the payment plan. I need the full credits earned on my Allegro Credit union account sent to me in a cashable legal tender form.
XXXX XXXX
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| 07/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Spoke with Pay pal and had to fight over a month for a XXXX transaction thru XXXX, dated XXXX from pay pal credited XXXX, as its XXXX no refund yet- credit financed thru Pay aPal set up 4 pmts. After filed a complaint over 6 weeks ago and had to fight re this scam from a XXXX vender that pay pal continues to do business with, and well aware of the companies return policy and cancellations, plus a scam, they refused to refund my money back after Paypal required me to send pics and screenshots, return at my cost in the amount {$450.00} to send it back to XXXX while pay pal low down integrity to offer me a XXXX credit to send back for a XXXX XXXX, XXXX fee to XXXX. This clearly tells you how low down Pay Pal and Pay Pal credit is, their intent is to blow you off, buy time, require you to pay in full and never resolve issue but to mislead you to make u think they're helping so you would stop calling and in hopes that you would leave them alone and disregard the issue. They could care less if the company is doing bad business and even if comp located in XXXX doing bad business, they even admitted to me how these wig companies are the # 1 issue, as they continue to do business with XXXX and the scams that they are running. Pay Pal had no attempt in treating USA customers fairly and as long as they can make interest off of it and benefit by $ they will continue to do business with these companies and if it wasn't their intent they would stop doing it. If Pay Pal XXXX makes XXXX off of you that is a mission and a success ; bc I assure you when they respond will do everything they can to cover their mistakes and the illegal actions along with how they treat customers like myself. I spent valuable time and much efforts in getting this resolved and still after notice dated XX/XX/XXXX, l would receive a refund. Have not received-I called XX/XX/21 as their poor rep barely can speak English, cut you off and refuse to listen to the issue, they are incompetent and refuse to assist. I had to call 3 times re this issue as they hung up on me and refused gto allow me to tell them the issue. I have rights and this refund should have been completed as they still are sitting on it.They debited funds from my XXXX Debit card 4 times totaling over XXXX and claimed they'd send a check. Refund my money the way you charged me as they still have not reimbursed me, Due to the fact that they're still sitting on this, I want double the amount back. They do what they want when they want-do I not have any rights here? They play low down and dirty intentionally. Pay pal credit also sent a notice to me dated XXXX re act ending in XXXX, denial letter when I NEVER APPLIED FOR CREDIT! So XXXX just pulling credit without out my authority, not only this- they also sent a letter telling me they lowered my credit line after a few months and never had any bad transactions unpaid or late. How dare they. As stated how many times do they get to commit illegal actions and treat me unfairly?
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| 08/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hello- Back in XX/XX/XXXX ( yes, XX/XX/XXXX ), I bought a pack of guitar strings for {$3.00} from XXXX XXXX ( at that time a XXXX XXXX - XXXX XXXX card ). Around this same time, I switched addresses and in fact did not once ever receive a statement from this company about my very small purchase in XX/XX/XXXX ( not one statement ). Over the course of 5-6 years, this account grew into almost {$1000.00} in interest alone on 1 purchase : a pack of guitar strings. I ran my credit back in XX/XX/XXXX ( when I discovered this ) and contacted XXXX XXXX 's corporate office at that time ( XXXX ) and we came to an agreement. I would pay {$55.00}, the account would be closed, and this would not ( a promise that they made ) ..this would not even show up on my credit report. They also took a great deal of responsibility for this ordeal and it 's drastic impact on my credit. I also informed XXXX XXXX that I have purchased 6-7 guitars from them over the years. But since then, they have no record of anything and neither does any bank associated with this horrific disaster. Since then, any credit card I have opened has had a very high interest rate and I was informed that it was due to the XXXX XXXX card in every instance. Recently, I almost was denied a personal loan and was told it was because of this XXXX XXXX card from XX/XX/XXXX! My personal loan as well has a higher rate ( 10 % in fact from a credit union ) ALL due to the negative impact from the XXXX XXXX card which I paid in full. Of course, I had some credit cards as well with high amounts but was informed the negative impact from the XXXX XXXX card is what determined the high % interest rate. I have contacted XXXX XXXX 4-5 times over the past few years and they basically tell me 'tough luck ' ( or I could phrase that another way as they are truly a despicable corporation ). 'We can not find your account, it does not exist '. 'We have switched from XXXX XXXX to Synchrony Bank . Please contact either of these banks to see if they can locate your past account '. NO BANK, NO COMPANY, absolutely no-one can even find me by my name, SSN, anything ... it is as if the account never existed. YET it is still on my credit as a negative when I was promised from day one that it would never even go on my credit. So now we are 14 years later ( XX/XX/XXXX ) and XXXX and XXXX reviewed my recent dispute. Their response was : 'looks like it 's going to stay on your credit! '. I love that no research was made by XXXX or XXXX and I was given a blank, computerized statement that sounds just like XXXX XXXX 's lame excuses. For the love of XXXX, I 'm really not asking much. I 'm asking for XXXX XXXX to be held liable for their lack of ethics, organization, and actions. My next step is legal action if this is not removed. I 've had enough of being taken advantage of ( primarily the extremely high interest rates from other banks due to this, not being eligible for a home loan, etc ... all due to this XXXX XXXX card from XXXX ).
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| 12/12/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Amazon Prime Membership Fee : I am an Amazon Prime member and my membership fee is auto charged to the same bank credit card each year for the full annual amount. On XX/XX/XXXX this charge was made and Amazon Prime gave me credit for paying my annual fee for the XX/XX/XXXX year.
Synchrony Financial unauthorized repeating charge : Without any notification on XX/XX/XXXXXX/XX/XXXX Synchrony Financial charged my account {$12.00}. The same charge was repeated on XX/XX/XXXX and XX/XX/XXXX. The charge was described as " Amazon Prime Cons XXXX WA '' 1st COMPLAINT : Synchrony Financial did not describe the charge in a way that, as a consumer, I could understand the reason of the charge. To understand the charge, I invested over an hour and half of difficult communications with multiple people and multiple methods with Synchrony Financial.
On XX/XX/XXXX, I contacted Synchrony Financial using a number ( XXXX XXXX ) supplied by Synchrony, and after 22 minutes, the conversation was unexpectedly disconnected. This conversation did not resolve the issue and at the time of disconnection the representative had asked me to wait on hold. Until that time the representative explained that I must pay {$12.00} per month, each month, for my Prime Membership and there was no record of any other annual payment.
2nd COMPLAINT : Synchrony Financial does not use customer representatives capable of researching or understanding simple customer issues. This practice discourages the customer to try to resolve issues that favor of Synchrony Financial or Amazon.
On XX/XX/XXXX I contacted Synchrony Financial using the Chat service offered. To use this service a customer must first try to resolve a problem with a A. I. system called " XXXX - XX/XX/XXXX. '' This was extremely difficult and could not be altered until the Virtual Assistant gave up on the problem and a real person was offered to the chat. ( See 2nd COMPLAINT ) The chat person was known as XXXX and said that this was a Amazon Prime problem not Synchrony Financial 's. Only after I pressed did he ask for my identification and then asked me to " hold '' until he did some research. After a few minutes of holding, I was disconnected. The complete conversation was not able to be printed, but I was able to print and record the last few seconds when I was asked to hold.
3rd COMPLAINT : Synchrony Financial 's customer service is so poor it seems to be designed to frustrate the consumer. I can not dispute a future monthly charge. To dispute any charge, for each charge, the customer must : Download a PDF form.
Fill it out Mail or Fax it as required As compared to other Financial institutions, this process is consumer unfriendly and designed to burden the customer.
The burden of problem resolution is completely on the consumer and over difficult. This favors the the institution and helps the institution carry on deceptive practices.
4th COMPLAINT : Charging my account without my permission is a deceptive practice.
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| 10/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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I filed a Fraud Alert with XXXX on around XXXX XXXX, 2017.
I have not heard back from them since then.
I did get a letter in the mail from XXXX on XXXX XXXX, 2017.
It is my understanding that if I have a Fraud Alert no one can open an account under my name unless they contact me.
Today, XXXX XXXX, 2017, I received and e-mail from from Credit Karma that Synchrony XXXX/XXXX and XXXX XXXX had run a Hard Inquiry on my credit.
A few minutes later XXXX sent me a similar e-mail and called me on my cell phone.
I call XXXX. They started an investigation in the Hard Inquiry.
A Hard Inquiry not only lower my Credit Score ; but, is also an indicator of fraud.
I filed and Identity Theft Report at XXXX.
The FTC emailed me instructions to file a Fraud Alerts with the Credit Bureaus and later to contact the Fraud Department of Synchrony XXXX and XXXX XXXX.
so both companies could remove the Hard Inquiry off of my credit reports.
I followed the FTC 's instruction and contacted XXXX the credit agency that conducted BOTH Hard Inquires. I filed an Initial Fraud Report with XXXX.
They e-mailed me back quickly.
I tried to file another Fraud Alert with XXXX today, and I received an ERROR MESSAGE.
Something is WRONG with this Credit Bureau.
I then called Synchrony XXXX, XXXX, Florida, XXXX at XXXX.
After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report.
I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices.
I then called XXXX XXXX, XXXX XXXX XXXX, Utah XXXX at XXXX After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report.
Again, I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices.
In summary, I need your assistance in ensuring that XXXX posts a XXXX XXXX on my credit information. In my opinion, all government contracts should be pulled from this company IMMEDIATELY and an investigation on unfair business practices initiated.
I also need you assistance in following up with BOTH Synchrony XXXX and XXXX XXXX. I do not understand why BOTH are not interested in stopping identity fraud.
I have a XXXX XXXX XXXX XXXX Veteran. It does not bother me to stay on the phone ONE HOUR to get things done. Hard working taxpayers do have the time to do this.
The business practices of these two companies needs to be revised and changed.
I do not understand why it will TAKE THEM 90 DAYS to fix my credit report.
These two companies should also be investigated for unfair business practice.
I appreciate you support.
Very respectfully, XXXX XXXX, XXXX.
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| 11/25/2015 |
Yes |
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Web |
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I use my bank 's automated bill pay service to pay my monthly minimum for my Amazon XXXX Credit Card issued by Synchrony Bank. My due date is the XXXX and my minimum is {$50.00} to which I add {$5.00} for a total payment of {$55.00}. Synchrony receives this payment on the XXXX of each month. In the month of XXXX ( likely due to the holiday weekend ), my scheduled payment failed to process on time. My bank notified me of the failure so I made a one-time payment on Monday, XXXX XXXX through Synchrony 's website for {$55.00} dollars. The payment was 1 day late. When the billing cycle ended on XXXX XXXX, Synchrony assessed a fee of {$25.00} for the lateness. This fee seems to have been added to my minimum monthly payment for a new required payment of {$76.00}. I did not notice the increase.
On XXXX XXXX, my bank processed my regularly scheduled {$55.00} dollar payment. Because it did not meet the new minimum, I was assessed another fee of {$35.00} for lateness. This cycle repeated itself in XXXX, XXXX and XXXX for a total of {$160.00} in fees and a minimum monthly payment for XXXX totaling {$200.00}. Synchrony bank made no reasonable effort to contact me about the delinquency on my account until XXXX when their collections department reached out by phone. I was receiving a regular monthly statement via email but because the payments are automated and were going out as scheduled and because the emails did not mention any problem with my account that would warrant further investigation, I was not aware of the issue. By the time Synchrony called, they had already assessed four months of late payment fees and were seeking a {$200.00} payment to bring my account current.
While this lack of communication is atrocious customer service on Synchrony 's part, my complaint centers around what I believe to be an instance of illegally pyramiding fees. As I understand our regulatory laws, a credit card company can not apply your payment to a fee first and a minimum monthly payment second so that the amount can not satisfy the minimum monthly requirement and cause the customer to incur yet another fee. Since I continued making on-time payments that satisfied my minimum payment less fees, it seems to me that I should not have incurred additional late fees after XXXX. During this time, no new purchases were charged to the account that would have otherwise affected my balance and minimum monthly payment. The only change that can account for increases to my minimum monthly payments are the fees Synchrony added to my account.
Please apply your legal expertise in this case. If Synchrony is not in compliance, I seek a refund of all fees incurred after and as a result of the XXXX late fee and a return of my minimum monthly payment to {$50.00}. I have reached out to Synchrony bank and they agreed to remove XXXX the fees but refused to lower my monthly payment for XXXX and could not guarantee that my minimum monthly payment would return to previous levels in XXXX.
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| 12/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On multiple dates starting from mid 2020, I have tried to make payments to synchrony bank for the PayPal MasterCard that I opened with them. There has been a serious issue with the online account which has not given me access to my account on numerous occasions. I have filed multiple complaints with PayPal and it is on record with PayPal in their customer service history that there is an error that does not allow me to pay. I have even been on the phone with one of PayPal Service members on XX/XX/2020 in which I provided them debit card information for a payment of XXXX USD and they never processed the payment, and that exact debit card had a fraudulent purchase 2 days later on it. It is an ongoing issue that I continuously have to deal with since mid 2020, I have filed multiple complaints/grievances with PayPal/Synchrony bank and their supervisors yet the issue has NOT been resolved. The only thing the supervisors or regular service member tells me is that they are going to wave the late payment fee because of the ongoing issue and transfer me to multiple calls which I end up getting disconnected from. The only assistance I get is someone from PayPal writing a note on my account stating that I continuously keep having the same issue. I can not access the online account to my MasterCard and there has been an internal error that still has not been fixed since months after I filed grievances with PayPal/Synchrony bank themselves. I can not even link a bank account or a debit card on the website since the initial issue and even though I have made multiple attempts to try and resolve this issue, it is still unresolved as of this date XX/XX/2020, I uploaded a screenshot attached on the bottom as evidence.
There have also been an occasion, approximately mid 2020, where there was a fraudulent purchase on my PayPal MasterCard and I had to wait almost 2 months for a card to get shipped to my house. Then when I tried to make a payment online, they stated I needed a card ( which took approx. 2 months to ship to my location XXXX to even access my account information online which rendered me incapable of making a payment. The same resolution was made by them by waiving the late fee due to an error on their side. I, to this date of filing my grievance, have not met a resolution with PayPal/Synchrony bank even though my multiple attempts and literary countless hours of staying on the phone with them, getting transferred to different internal departments, and even talking to multiple supervisors. The only resolution they seem to have is making a note on my account which does not help because of the on going system error/issues on their side.
PayPal/Synchrony bank have admitted that there is an issue on their side of the system, which has given me ongoing issues with them. I request that an adjustment be made to my credit report because of this on going issue with PayPal/Synchrony bank that, unfortunately, they have not been able to resolve to this day.
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| 06/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I am filing a compliant for Synchrony Bank 's PayPal Mastercard 's Foreign Transaction Fee shady practice, which is deceiving to consumers. The fees NEVER appear on the " account activity '' page ( pdf print screen attached, both website and XXXX app ).
According to their customer service, it is shown ONLY on the statement and it was also ONLY calculated at the end of each billing cycle.
When I first applied for the card back in around XXXX, it was advertised with 0 % Foreign Transaction Fee ( pdf attached from XXXX search from their website : XXXX XXXX XXXXXXXX XXXX
I never know nor recall being informed that the bank changed the fee from 0 % to 3 % ( I received NO e-mail notification for this bad news ). What happened here is that I went to a trip XXXX in XXXX since XXXX XXXX. I have been used this card as I thought it was 0 % foreign transaction fee. All the transactions accumulate showing the exchange rate based on XXXX 's exchange rate table with 0 % fee added. I checked the bank 's " account activity '' page EVERY SINGLE DAY to make sure no incorrect or fraudulent charges, but there was never any fees posted to the " account activity '' page.
Checking " account activity '' has been my daily practice, as I rarely read statements since the " account activity '' should contain all " activities ''. When I opened the statement in XX/XX/XXXX, I am surprised that I have accumulated US {$69.00} in Foreign Transaction Fee in XXXX. I double checked the " account activity '' page and there was absolutely NO mention of any fees charged or posted.
I contacted Synchrony Bank 's customer service on XX/XX/XXXX ( Account Associate : XXXX XXXX, Account ManageXXXX : XXXX XXXX ). They said that the fee change notification was included in one of the statements in XX/XX/XXXX. I asked and emphasized that the fees were never shown on the " account activity '' page, and how can I suppose to know as I rarely read statements as I already take the " account activity '' page as all the activities happening in my account. The customer service team reiterated they correctly charged the fees and provided a link to their new fee schedule. They are unable to understand from customer 's point of view, their website has a FLAW ( fees are never shown in the account activity page ).
If Synchrony Bank has included the fees up front following the transactions, or at least showed the fees in the " account activity ' page, I would have asked earlier and reconsidered whether to use this card for foreign transaction as I have other cards also with 0 % foreign transaction fee.
Therefore, Synchrony Bank should be held accountable for their website 's FLAW ( whether or not intentional to deceive customer into believing it is 0 % foreign transaction fee ), and should reverse and refund me all the fees charged since the fee changed in XX/XX/XXXX ( totaling at least US {$69.00} in XXXX, plus all other pending charges that will have fees added in the next statement ).
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| 03/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
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On or about XX/XX/2021 I called my credit card company to ask about authorized users on my account ; specifically, how many authorized users I was allowed to have on the account. I had recently read on their website when I signed into my account that I was allowed ten ( 10 ) users on the account. The customer service representative I spoke with confirmed that was correct and I was allowed to have ten ( 10 ) authorized users on my account.
Given this information, both published on their website and confirmed by their customer service representative, I added seven ( 7 ) authorized users ( all family members XXXX to my account.
On XX/XX/2021 I woke up to login to my account and found that my account had been closed. When I spoke with the customer service representative for the credit card company, they informed me it was because I had " too many '' authorized users on the account. A subsequent letter I received from the credit card company confirmed that was the sole reason my account was closed ; " excessive number of authorized users on this account ''.
I spoke with a supervisor and an account manager, " XXXX '', on XX/XX/2021 and I argued that I was well within my rights to have the authorized users on my account per the information on the website and the representative that informed me so. Further, it was illogical ( and impossible ) for me to have an " excessive number of authorized users '' on my account as I was allowed ( authorized ) by the credit card company to add these users to my account. Why would I be allowed to add these users to my account if it was against procedure, policy, rules, or terms of my agreement with the company? Why would they make that statement on the website? Why would the customer service representative give me that information? How could their system accept it, then issues credit cards in all the authorized users ' names if I weren't allowed, if there was an " excess ''?
The account manager " XXXX '' said he understood and told me that they would review the action and send me correspondence with a decision.
The decision was received today, XX/XX/2021 and they have declined to reinstate my account.
This obviously has had a negative effect on my credit and credit worthiness.
While there are many possibilities as to why my account was actually closed, I can only understand it as being some form of discriminatory action, as I had recently ( two weeks prior to my account closure ) paid down my balance of about $ 11k and two ( 2 ) days before added my family members to my account with names that are of XXXX decent. Why else would my account be closed if my account was in good standing, balanced paid off, and I had not violated any terms of my account?
There is simply no other way for me to understand the actions of the credit card company in any other way. Again, as the SOLE reason for my account closure was " excessive authorized users '' on my account even though I was allowed to add those users.
|
| 01/02/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
To whom it may concern : I would like to take this time out to address a problem that I am having with my HSN credit card company owned by Synchrony Bank Between the months of XXXX to XXXX of XXXX Synchrony Bank informs me via my monthly billing statement that I was delinquent by more than {$800.00} on my HSN credit card. Upon immediately phoning Synchrony Bank I was informed that these transactions occurred between the months of XXXX XXXX in the year of XXXX. As I have tried on many occasions to inform Synchrony Bank of their grossly incorrect calculations they continuously insisted that I owed said amount. I consider myself to be a mature conservative shopper and would not shop in said manner.
I would like to state that my HSN credit card is paid in full. Synchrony may try to insist that I have a {$13.00} balance left to pay on my winter boots ; However I have paid more to Synchrony Bank than what I should have so as not to ruin my credit as I gathered my information to dispute their claim, while patiently awaiting for their written response.
Below I will ask several important questions and I will also submit a copy of a billing statement that I received from XXXX XXXX XXXX, the bank in which I originally applied for the HSN credit card, as well as what I perceive as a callous response from Synchrony Bank.
1. If there was an {$800.00} debt why didn't XXXX XXXX XXXX address this matter before being replaced by Synchrony Bank? And if this debt were true wouldn't it be owed to XXXX XXXX XXXX and not Synchrony Bank?
2. Why would a credit card company in this matter XXXX XXXX and Synchrony continue to allow this consumer to keep her credit in good standing with HSN, the credit bureaus, and never revoked her credit limit nor stopped her from using said credit card at any time since receiving it in XXXX to present date?
3. How is it that during the late Summer to the Fall of XXXX when I asked Synchrony Bank to please provide said proof of such purchases I did not receive a response from them in writing until XXXX of XXXX?
4.Why would a Bank in this instance XXXX/ Synchrony increase my credit limit 3 times after my initial application? I can assure all involved that I this consumer never requested nor applied for any increase above {$500.00}.
5. Of the time frame that Synchrony Bank insists that I the consumer charged {$800.00} or more INCLUDING INTEREST onto my HSN Credit CARD ; can someone please explain to me as to how one charges {$800.00} of merchandise onto a credit card that held a limit of only {$500.00} from XX/XX/XXXX/XX/XX/XXXX to XXXX - XXXX of XXXX? Which only increased by {$200.00} in XXXX of XXXX ; bringing my credit limit to a total of {$700.00}.
6. Synchrony states in their letter that they can not track back a year to find the records of said money that they believe I owe. Yet how and where did they happen to find information to enable themselves to believe that I owe their company over {$800.00}?
Sincerely,
|
| 08/27/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Synchrony Bank XXXX XXXX Subject : Disputing Synchrony Bank Credit Report Name : XXXX XXXX Phone # : XXXX Account # XXXX Dispute Details : During Covid XXXX of XXXX I made purchases with XXXX XXXX using their online store. We were assured that any changes required to the online purchases made, could be easily returned to any XXXX XXXX XXXX that was near our location.
I made three purchases in XXXX and one in XXXX of XXXX. Because of the issues with purchase wrong XXXX, size, design etc, all the purchased items had to be returned, and I returned the items to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ XXXX ). Since all items purchased were returned it was expected that I would have a XXXX balance.
In XX/XX/XXXX I got notification from Synchrony Bank that I had {$480.00} balance on my account which I must pay.
I talked to the customer support on multiple occasions for resolution and cancellation of the charges, example calls were made on : XX/XX/XXXX from XXXX to XXXX, XXXX from XXXXXXXX XXXX ( I was put on hold for XXXX min ) and call was disconnected agin called from XXXX - XXXX XXXX [ Note all times are in US EST ) XXXX XX/XX/XXXX I called twice to resolve my charges ; XX/XX/XXXX I was explaining my case but my call was disconnected. The customer support staff often was confused regarding these purchases as every time I talked to them I got different response ; at one point of time I was informed that the refunds can only be processed by their billing department and I should contact them or go to XXXXXXXX XXXX for resolution as XXXX XXXX had moved over to XXXXXXXX XXXX ( XX/XX/XXXX ) they have nothing to do with my account. Point to be noted is that I do not have any account with XXXXXXXX XXXX XXXX as the only account I had with XXXX XXXX was maintained and finally closed by Synchrony Bank. It is also important to note that my original pending amount was never disclosed to except when I was forced to make the full and final payment..
After spending so much time and effort I finally gave up as it was clear that Synchrony Bank was not going to resolve my issue. The result of all of this is interaction with Synchrony bank is- a> The original pending amount of {$190.00} was inflated to {$650.00} by adding interests and late fee.
b> The constant harassment thru emails and inflation of my charges thru interests and late fee, which I was forced to pay.
c> Most of all Synchrony bank was successful in destroying my credit score from near perfect to a lower value.
In my entire tenure spanning more than 28 years a person who has always paid his credit charges in full, never missed a payment, it feels that the actions taken try Synchrony bank are not only unethical but XXXX and XXXX in their tendencies.
As an individual that does not hold any say in this matter - I request that my issue should be looked into sincerely, look at my credit history of past 28 years and then decide actions of Synchrony Bank are justified or not.
|
| 02/19/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
|
|
Received email notice from PayPal of PayPal statement ready online on/around XXXX XXXX. This payment is due XX/XX/XXXX. On Sat. XXXX went to my account to make the payment. The screen forwarded to the Synchrony Financial screen which stated that they were not able to access my account-try again later. Sun. XXXX I attempted the same transaction-same result. Mon. XXXX, XXXX I attempted the same transaction-with the same result. I called the phone number provided on XXXX for any problems related to this account. They answered the call as " Synchrony Financial ''. A representative offered to take my payment over the telephone. I declined due to apprehensive security reasons. Tues. XXXX I attempted to make the payment on PayPal again , this time getting a message that they were experiencing technical difficulties. I again called Synchrony Financial and a recording said that I could only make a payment with my checking account at this number. I attempted to do this on their computer automated system. It could not handle the entire routing code and checking account number. I was forwarded to a human who said she could take the information for me and that it would be a free way to make the payment. Gave her the information to my checking acct and gave her the full balance amount. Told her I wanted to pay the balance in full. Done. Then I told her that I wanted to close this account. She asked why. I gave her reasons such as not being notified that I would no longer be dealing with PayPal for this particular account. I was not given a notice that my financial personal info was transferred to Synchrony, with my personal info now out there again to another company. I was not happy that they left me unable to make a payment online for 4 days without any notice that they were experiencing problems. Who knows how long this has been going on? I was not happy to give checking account information to someone I don't know Their processing only checking account information seemed a red flag, but I did it anyway, to be done with them, I think? At around XXXX the representative confirmed the payment would be made today and that they would close the account today and send me a letter. I checked my PayPal tonight XXXX and the payment has not been made. Their lack of 24hr online services or security to service accounts is a huge problem. Their failure to notify consumers properly that all financial transactions associated with credit accounts at XXXX are no longer serviceable by Paypal is fraud. I have their financial service notice for " How PayPal Credit Works '' explaining " special financing basics ''. It is written like PayPal does the servicing calling this " the PayPal Credit account '', but the telephone number they list is actually Synchrony. According to PayPal rep I spoke to today, they no longer take calls about or service the credit account. XXXX, XXXX Paypal sold all of its credit accounts to Synchrony per my research on the internet ( articles ).
|
| 09/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Synchronicity Bank aka Care Credit has been handling my account in an unethical manner and I need assistance as they refuse to communicate with me to find a resolution.
I opened my care credit account because of some urgent dental work that I needed done. The account I opened was a no interest for 1-year account. In opening this account, I received no mail, email or calls. This went on for a couple of months, to the point where I took initiative and reached out to them. They treated me very poorly in this instance and I was merely trying to handle this credit responsibly and avoid any interest. Even after this call I still received no communication.
I reached after several more months, at which point I spent several hours on the phone as this organization had apparently entered my address, email and phone number in correctly in their system. Giving me no way to respond to or pay for this bill. I had to go to great lengths to have everything sorted out as to avoid any additional payments because a good portion of my 12 months with zero interest had run out by this time.
Once this was settled I placed them on my auto bill pay through my XXXX bank account. Even though bills werent due until the end of each month I set up my account to pay at the beginning as to further ensure that I avoided any additional fees.
Having never experienced any issues with a merchant that I paid monthly in this manner I assumed my account was set. However, I noticed on my most recent statement that the principal wasnt decreasing. I called on a few occasions and couldnt receive assistance because of their lengthy call time waits.
Today, I was finally able to put in the time to wait to sort this out. I was informed for the first time ever that they were charging me a late fee because I was paying my bill each month 2 days prior to them posting my statement. Essentially, I am being penalized for paying my bill too early. So, they have now assessed me several hundred dollars in late fees because I have paid each month early.
I requested to speak to a senior supervisor as the customer care agents ( who operate out of XXXX ) were thoroughly uncaring about this unethical and refused to help me. I was refused an opportunity to speak to a supervisor and I am now reaching out to the XXXX as I need help with this extremely unfair and unethical business and their crooked practices.
I spoke to agent XXXX XXXX ID # XXXX today and I explained that this would be my recourse given their unwillingness to do the right thing.
I simply want this company to do the right thing and remove the incorrect late charges on my account. I believe this totals {$340.00}. I want my billing adjusted accordingly. And if this has in any way impacted my credit I want that rectified. This would include notifying credit reporting agencies and providing me with documentation that proves that this matter was a mistake on their part and that anything on my record should consequently be removed.
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX I made a purchase on my CareCredit Card in the amount of {$2000.00} through XXXX XXXX XXXX for a XXXX for my dog. This was the deposit amount. On XX/XX/XXXX, I made a purchase on my CareCredit Card in the amount of {$3100.00} that was the balance for the XXXX. Both of these purchases are reduced interest purchases that require a minimum monthly payment.
On XX/XX/XXXX I made a payment in the amount of {$120.00} ( I called in to give direction that {$75.00} of this was to be applied to the purchase in the amount of {$3100.00}, {$48.00} of this was to be applied to the purchase in the amount of {$2000.00} ). CareCredit offers no way to apply these payments aside from calling in directly after making a payment and requesting the payment be applied to specific promotional purchases. During this discussion, I learned that my minimum payment to meet these 2 purchases is $ XXXX towards both.
I made my next payment on XX/XX/XXXX in the amount of {$220.00} ( I called in to give direction that {$76.00} of this was to be applied to the purchase in the amount of {$3100.00}, {$49.00} of this was to be applied to the purchase in the amount of {$2000.00}, {$100.00} of this was to be applied to the oldest deferred interest promotional purchase ).
On XX/XX/XXXX I made a payment in the amount of {$120.00} ( I called in to give direction that {$76.00} of this was to be applied to the purchase in the amount of {$3100.00} and {$49.00} of this was to be applied to the purchase in the amount of {$2000.00} ).
On XX/XX/XXXX it showed that I had a minimum payment due of over {$300.00}. I called in to inquire and they informed me that the payment made on XX/XX/XXXX was not applied to my reduced interest purchases. I was informed that it could not be corrected once a payment was applied. I informed the company that their error in accounting was not my issue. I was informed that I would need to speak to a manager every time I called in to ensure my payment was applied correctly. While on the phone, I made my usual {$220.00} payment ( with direction that {$76.00} of this was to be applied to the purchase in the amount of {$3100.00}, {$49.00} of this was to be applied to the purchase in the amount of {$2000.00}, {$100.00} of this was to be applied to the oldest deferred interest promotional purchase ).
As of this date XX/XX/XXXX I still show a minimum payment due of {$84.00}. This is not accurate and they are not applying my payments as requested. I attempted to speak with a manager today and was left on hold for 30+ minutes, never speaking with a manager. These practices are very deceptive and their application of payments are not accurate. I should not have to jump through this many hoops to ensure I get my bills paid off in time. Due to their error, they are informing me that my payment can not be applied as I requested on XX/XX/XXXX. I am familiar with accounting and there is no reason they can not accurately apply my payment as requested.
|
| 10/30/2023 |
Yes |
- Credit card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I currently have an Amazon Store Card issued by Synchrony. My problem first originated over a month ago by Amazon on XX/XX/XXXX. I ordered a XXXX XXXX using the Amazon Store Card which was shipped but never delivered to me by their in house delivery company. After reaching out to Amazon Customer Service a few days after the expected delivery date, I was told they have to wait 30 days from date of purchase before they can issue a refund. I did unfortunately made the mistake of ordering another XXXX XXXX in hopes to replace the item that never arrived. The second XXXX XXXX did arrive and I held on to it unopened as I waited for resolution of the lost unit. After a few weeks of going back and forth with Amazon regarding the lost product, I decided I didn't want to keep the second XXXX as their customer service left an awful experience for me. The second laptop was returned and I received my refund posted to the XXXX XXXX on XX/XX/XXXX. At which time, the Synchrony app updated the minimum payment due from the original {$630.00} down to some amount in the {$400.00} range. I was relieved to see they would adjust the minimum payment due as a large refund took place.
On XX/XX/XXXX, a full month after my original purchase, I contacted Amazon again asking for my refund. At which time, the customer service agent assured me I will get my refund, which again never came. I reached out 5 days later on XX/XX/XXXX and again a customer service agent assured me I would get a refund. However due to my previous experience, I requested to speak to a supervisor to get my refund. The supervisor was able to issue my refund during our conversation with no further issues from Amazon themselves. After the second large refund posted to my account, the Synchrony app again updated the minimum payment due to {$210.00}. A couple days later on XXXX XXXX, I manually paid the {$210.00} minimum payment through the Synchrony Mobile App. I thought my ordeal was done with this saga.
However two days later on XX/XX/XXXX, Synchrony debited my bank account for the {$410.00} difference from my manual payment to the original minimum payment. When I called Synchrony customer service, why their App was showing an updated minimum payment while they billed my bank account for the previous minimum. The agent said, something in the tune of " you should not trust the app, and only check your account information on the website ''. The customer service agent consulted with others on her team and said they can not return the extra payment since the minimum payment hasn't changed.
The app I've using the entire time was the Synchrony App, not Amazon app for clarification. If their own app was showing an updated minimum balance from large refunds it would be natural to believe that Synchrony was updating the minimum due in their systems. It is extremely deceiving to have their own company app show a decreasing minimum due from large refunds if such changes were not occurring in reality.
|
| 03/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Servicemember |
|
I contacted Synchrony Financial on XX/XX/19 to send a duplicate card. This representative gathered unnecessary personal information under the guise of " verifying the account '' although it had already been verified. This information was not the standard verification and just partial information but entire requests for full address, SS #, card numbers, account specific information, DOB, and more. This bothered me at the time but I didn't think that this representative would fraudulently take action on my account that was not authorized. I logged into my mobile banking later that evening to be told to call at a XXXX #. When I called I was advised they had closed my account and all of my statements, promotions, and banking information was now gone. The balance remained so they would open a new account with my balance, without my permission or consent. This results in my credit age appearing lower than it should because it is averages the length of the accounts and this one now shows closed with a new account opened. The representatives were unable to undo what the representative had done and when I requested a supervisor in the complaint division I waited on hold for 20 minutes to reach a supervisor at XXXXXXXX XXXX on XX/XX/19 that advised that department closed at midnight ( XXXX XXXX ) and that there was nothing she could do to help me. When I told her this was unacceptable and that I was on hold for that length of time instead of being transferred properly in the first place she transferred me to the complaint divisions line anyways which resulted in me waiting for a live rep for another 23 minutes before the automated system then stated they were closed and ended the call. I spent hours attempting to get these people to understand that this is the 3rd time they have done this same thing on 3 out of our 11 open accounts with them, we have always maintained perfect payment history and had more credit than we have needed in the effort to improve our credit over time. This company is now single handedly damaging our credit and preventing us from moving past them to companies that value our business by reporting closed accounts, incorrect balances, and adverse actions that are not truthful. This was specifically on the CareCredit account. We additionally had a Synchrony Home card opened without permission that used to be a XXXX XXXX account that has also had adverse action on our credit as a result of this company choosing to violate our right to exercise control over our own credit. There have been nothing but problems with every single account and every time we contact the support division they make the situation worse. We only use the Synchrony Financial cards because the stores we frequented used that for the finance cards, had we known that prior to financing we would have used one of our other credit card companies instead. This will be the beginning to us closing the 11 accounts we have which total over 30k in available credit.
|
| 07/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XX/XX/XXXX I had been paying on my XXXX XXXX Synchrony Bank ) XXXX XXXX account on time every month and I was noticing that my balance wasnt really going down. I did a deeper dive and I saw that XXXX had been charging me a monthly Card Security Fee that I did not authorize.
I called and I spoke with the customer service representative and told her that I wanted a full refund of the Card Security fee that I had unknowingly been paying. I also told her that I wanted to cancel the Card Security Fee service. I told her that I did not recall signing a Card Security agreement. She said that it was over the phone. I asked if there was a recording or signature and she told me no and proceeded to talk about some sort of policy. She said that I agreed to it back in XXXX, in which I do not recall.
I asked the representative how much Ive paid since enrolling in XXXX. She responded by saying Whats on my screen, is the past 12 months. I asked for the total payment past 12 months. She responded with the same thing. I asked if she was capable of looking at the total amount paid beyond the past 12 months and she said No.
I as a customer should be given an honest answer when asking how much money Ive been paying on my account. I didnt know that companies could withhold information on what has been paid to them by the account holder.
The representative offered me a Card Security Fee refund for the last 6 months payments. I declined and told her that I wanted the full amount of what I paid in which she refused to tell me.
The representative then offered me a Card Security Fee refund for the last 12 months payments. I declined and told her that I wanted the full amount and if I cant get the full amount, I wanted to escalate it.
I asked to speak to a manager and the representative put me on a hold. Long story short, conveniently, the manger wasnt available and she stated that the manager would give me a call within XXXX business day. She then said another employee would contact me in 3-5 business days.
She proceeded to wrap up saying that she processed the Card Security refund for the amount of the last 12 months. I told her that I didnt authorize the refund because it wasnt the full amount as requested. She then told me it was too late and in order to escalate it to management that she had to process the refund and couldnt cancel it. I told her that I didnt want this processed and I wanted to escalate it once more. She said that I would have to talk to another employee once they called me. The XXXX representative was trying to hurry up and process the transaction to say that she gave me what I asked for.
The next week, I didnt receive any phone correspondence from XXXX nor was my request/complaint acknowledged or attempted to be resolved. XXXX sent me a letter dated XX/XX/XXXX and said that they refunded me ( {$540.00} ). I looked at my account and it was credited ( {$540.00} ), which I didnt authorize. My request was for a full refund.
|
| 01/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have both Synchrony and Care Credit accounts and my issue is with the unreasonable length of time Care Credit takes to apply larger payments and the lack of proper notice given to customers about this delay.
As of XX/XX/2020, I was carrying a balance of {$2300.00} on my Care Credit account with a promotion expiration date of XX/XX/2020. Anticipating that I would need to utilize all of my available credit ( {$5000.00} ) for my dog 's XXXX on XX/XX/XXXX, I paid this promotion balance of {$2300.00} online by ACH on XX/XX/XXXX. ( I made this payment from the same bank account that was already registered with Care Credit and from which my previous monthly payments had been processed by ACH. ) In doing so, I noted the following on the payment screen of Care Credit : " Please allow 48 hours for this payment to be reflected on your account. '' Prior to picking my dog up from the hospital on XX/XX/XXXX, I checked the Care Credit website only to see that my available credit had not been updated. I called customer service and spoke to XXXX who told me that it takes 7 - 10 days for a payment over {$500.00} to be credited. I pointed out that there was no notice given of this policy on the payment screen and that my bank had cleared the funds on XX/XX/XXXX. She first said that this policy is posted on their website but then told me it was included in the Terms and Conditions. She told me there was nothing that could be done. I had the same conversation with a supervisor, XXXX, ( who said the payment threshold was {$1000.00}. ) I was told that it would not be possible for me to access my remaining available credit until the payment processed 8 days later. XXXX told me I could request an increase in my credit limit. I stated that I did not want to do this because of the adverse effect it would have on my credit score. Having no other option to pay for my dog 's XXXX and be able to bring him home from the hospital, I requested, and was approved for an additional {$5000.00}. As I told XXXX, if my credit was already going to have to take a hit, I would extend the limit.
I have two complaints against Care Credit in this situation : 1 ) Taking 7 - 10 days to credit a larger payment is far in excess of normal and acceptable ACH banking time frames. This results in tying up customers ' money for an unnecessary and unreasonable amount of time. Inducing customers to apply for additional credit to cover expenses as a result is anti-consumer.
2 ) This delay in crediting payments should be noted clearly on the Care Credit website. Failure to include this policy on the payment screen along with the statement that payments may take 48 hours to be reflected is misleading and deceptive.
I later looked on the Care Credit / Synchrony website for any mention of the 7 - 10 day hold and could find none. It appears that not even the Terms and Conditions are available to be read on the website, as I found a page where I could request that they be mailed to me.
|
| 09/23/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
In XXXX of XXXX I received a new credit card in the mail from JCPenney where I have had a credit card account since XXXX. I DID NOT REQUEST THE NEW CARD. Periodically through the years, they have sent me a new card with new rewards etc. and told me to activate it to replace my old card. So that 's what I thought this was.
I do n't remember if the letter about the new card came separately or with the new card because I saved them together. The top of the letter had these large print words, " CONGRATULATIONS! You are being upgraded to a new JCPenney XXXX. '' It said no action was needed on my part and the new card " replaces your JCPenney Credit Card. '' So I assumed this was just a new card for my same account. I had no balance on my account and had not used the card in several months so I just stuck it in my wallet, figuring I would activate it from my cell phone the next time I decided to use it.
On XXXX XXXX, XXXX, I shopped at a local JCPenney 's and while I was at the register, I remembered I needed to activate my card. The cashier let me call to activate it so I could finish checking out. In the process, they asked for my annual income to increase my credit limit but I told them I was in line at the store and did not want to give that information and also that I did not need to increase my credit limit because I hardly ever use the card. They said I could just keep the same credit limit. I said that is fine with me and assumed that meant they were not doing any kind of credit check. I then completed my purchase with the new card.
Then, on XXXX XXXX, XXXX, I was notified by email that a credit alert had hit my credit report because I opened a new credit card account. I was completely shocked because I had no idea that is what I was doing when I called to activate my JCPenney card. So I dug out the letter that came with the card and that 's when I saw the fine print on the back FAQ section that stated if I accepted the upgrade, my old credit card would be closed and transferred to this new account, which would be added to my credit report.
I guess it 's my fault for not noticing that statement which was in much smaller print on the back of the letter. But I believe this was a very deceptive and misleading marketing practice. All of a sudden, after 16 years of getting upgraded cards which never required any kind of credit check for me to activate, JCPenney sends me a new card that was COMPLETELY UNSOLICITED! In the fine print it said, if you want to keep your current JCPenney credit card, then call this number ...
This is completely backwards! If they want to advertise new cards and accounts it should require action on the consumer 's part, not " NO ACTION ''!
It 's too late now because the account is already open. I just want this to be addressed so it does n't happen to somebody else! It 's not good for your credit report to keep opening accounts and this was so unnecessary and unwanted!!!
SHAME ON YOU JCPENNEY!
|
| 11/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
On XX/XX/2019, I pulled my credit report while applying for a mortgage and first learned of a fraudulent account apparently opened under my name and social security number. The account had an over {$5000.00} balance and apparently had been charged off and reported to the credit bureaus. As soon as I learned about the fraudluent account, I immediately reported the issue to the credit card company, Synchrony Bank. I advised Synchrony Bank that I never opened the account in question, never made any of the purported purchases and never received any statements of the account indicating a balance due. I requested that Synchrony Bank immediately open a fraud investigation. I also contacted each of the three major credit bureaus and reported the fraudulent account and placed a fraud hold on my credit report. Nobody from Synchrony Bank ever contacted me or requested my cooperation with the investigation, other than asking me to fill out a fraud investigation form, which I promptly and fully completed and faxed to Synchrony Bank on XX/XX/2019. I never heard from Synchrony Bank until XX/XX/2019, when they sent a letter saying they concluded their investigation and refused to approve my claim for 3 alleged reasons : 1. " customer failed to cooperate with reasonable investigation '' ; 2. " customer released account information to a third-party '' ; and 3. " customer accepts responsibility for the charges. '' Each of these 3 reasons is patently false and bogus - I fully cooperated with Synchrony Bank ( they never contacted me or requested any additional information ), never disclosed any purported account to a third party and absolutely never accepted responsibility for the fraudulent charges. I never opened this account and never made any of the alleged charges! I immediately contacted Synchrony Bank upon receipt of their XX/XX/2019 letter and demanded that they re-open their investigation and send me documentary proof, including the alleged credit card application, proof of mailing and delivery of account statements and identifying information of how/when payments were allegedly made on the purported account. Synchrony Bank is refusing to provide me any of the above documentary proof that I demanded. Synchrony Bank is also refusing to provide any proof whatsoever that I ever opened this account and made any purchases on it. They are also refusing to contact the merchants involved in the alleged credit card transactions and investigate any of the alleged purchases. Their fraud investigation is a total sham, violates due process, is absolutely fictitious and is the epitome of unfair credit-card practices. I am clearly a fraud victim here, and Synchrony Bank refuses to do any due diligence or fairly investigation my claim. As a result, my credit is adversely affected, and I am someone who would otherwise have an 800 credit score. It is also adversely affecting my ability to qualify for a home mortgage, and Synchrony Bank couldn't care less.
|
| 02/22/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I applied for a credit card at XXXX XXXX to get a discount. After 2 months of not receiving a bill, I understood that my payment was late ; and provided the telephone rep who called me with a debit card to make payment by phone. I also told her that I had never received a paper statement and asked her to send me one for my records. She gave me a confirmation number for the transaction.
In early XX/XX/XXXX, I had started receiving statements by mail, but they reflected an outstanding balance still, late fees and interest charges. I called XXXX XXXX XXXX XXXX and asked for a manager, I provided him the confirmation number of my payment and opened a complaint # XXXX, which started an inquiry on their end as to whether they were paid. By XX/XX/XXXX, I was still getting an invoice, collections notices and more penalty fees. I called again and asked for a manager. I was told the investigation had not been completed, but that I would be notified by mail of the results.
By XX/XX/XXXX, I still had not been told about the investigation, but I was still receiving invoices for more and more money. I called and spoke to another manager, XXXX. She told me that she would reopen complaint # XXXX. She also told me that they would send 1 ) written confirmation that my balance due was only the original purchase of {$200.00} ( and not the {$410.00} that I was most recently billed ). She also confirmed that they would confirm the financial institution that they did not receive payment from. By this time -- 7 months after I paid this bill, I did not recall the debit card I used by phone.
It is XX/XX/XXXX, and while I continue to receive invoices for more money, I still have not received written confirmation of the real balance due or results of the inquiry associated with complaint # XXXX. Put plainly, I have no way to verify that XXXX XXXX XXXX XXXX hasn't already been paid! I called and waited 5 minutes to learn that XXXX, a " manager '' in the the collections department -- which I am routed to when I enter an account number, something I'm required to do before advancing in their automated system -- couldn't look up the complaint # I had. I waited another 10 minutes to speak to a customer service " manager, '' XXXX. I confirmed with XXXX that absolutely NO ACTION had been taken to respond to my XX/XX/XXXX call even though I was being billed for more than 200 % of what I actually owed. She likewise couldn't access the complaint and kept me on hold another 10 minutes ( 25 mins cumulative for the day ) to speak to an escalation " manager, '' XXXX. I informed XXXX that after 4 calls, 7 months and over 2 hours on the phone with " managers '' at XXXX XXXX XXXX XXXX and XXXX XXXX customer service today was my final attempt to resolve the matter. ( Every interaction has been recorded, which I confirmed this evening. ) After 54 minutes of holding, the call abruptly disconnected and no one called me back to apologize or respond to my original request.
|
| 06/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a payment to my Venmo Credit card on XX/XX/23 as an ACH from my personal checking account. The payment was cleared and taken out of my account as of XX/XX/23. The payment is confirmed and cleared on both Venmo and my bank. I called Venmo wondering why my payment had been fully processed but my payment was not reflecting on my credit card. I was first told that my payment was in holding and wouldnt be issued until XX/XX/23, and then was told XX/XX/23. I was told that payment can be held up to 15 days then they told me 21 days in the event of cancelled payment. This supervisor told me I could apply for more credit if I wanted to. So youre telling me that if I applied for more credit which would result in a hit on my credit report, you can add those funds but not the money that I sent you?
Well I spoke to my bank and said that once they send that payment there is no way for it to be cancelled or retrieved. They also stated that there was no issue with the payment I sent and it was sent over and processed fully on their end. I have searched the Venmo credit card user agreement and payment information and have found no evidence of this information in the user agreement. There is no valid reason for my money to have been held from being posted to my credit line. I was also told that because my account was not 6 months old this was also another reason my payment was being held. I verified that I have had at least 6 months of billing statements from Venmo Credit card which would make their statement of my account not being 6 months old, incorrect. I have now closed the account with Venmo due to how rude and unhelpful they were. Under XXXX agreement it states that if a payment is being held that under the me tab I would see on hold next to my payment.there is nothing that says on hold.
It also states that while this money is on hold that this money still belongs to me. I asked for the payment to be sent back to my bank and Venmo told that was not something they could do. So if while this transaction is still in hold and this money is still mine according to their user agreement, that money is still mine and they have no reason to not send it back. Also under the user agree it states that I would receive an email if my money was being held, I received no such email. When I asked to have a copy of the user agreement that I signed emailed to me, I was told there was no way for that to be emailed to me, even though everything else is sent through email from Venmo. I was told I was not getting my money and everything was computer generated so there was nothing a human could do to override it and make my money available. After speaking with XXXX supervisors, I asked to speak to their supervisor. I was told that was not going to happen and there was no one else.? There is always a supervisor to a supervisor. There is always someone else to talk to. I have worked for customer service for XXXX years. There is always a boss to a boss.
|
| 12/21/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
Servicemember |
|
unknown person ( s ) opened a fraudulent credit card using my information with synchrony bank on XXXX XXXX 2016 and purchasing XXXX dollars worth of furniture, after learning of this I contacted synchrony bank on the XXXX of XXXX to make them aware of this and explained that not to allow this purchase to go through which at the time was still not delivered or picked up at warehouse, filed a Police report in my town. I also contacted the XXXX credit reporting agencies and placed a credit alert on my file. After placing the alert unknown Offender ( s ) with the help of synchrony bank opened a second account and attempted to open XXXX more accounts. I then placed a security freeze on my credit on XXXX XXXX 2016. After taking 2 months and 22 phone calls to synchrony bank I was able to get this account which was under mattress firm Account number XXXX closed. Then the task of getting synchrony bank to remove the XXXX fraudulent inquiries on my credit was a bigger nightmare. I have even contacted their fraud department which cant do anything about this. Finally on XXXX XXXX 2016 I received a letter from synchrony bank stating this account was closed and removed from my credit. On XXXX XXXX 2016 I received a credit card statement for the above closed account for the original amount of XXXX that as the fraud specialist XXXX stated " the store pushed the charge through '' this was after 6 weeks of freezing my credit.She also had no explanation of this account since it was closed a month ago and to dismiss it. Then on XXXX XXXX I received another credit card statement again for the same account with the exact amount of XXXX I then called synchrony bank and the " Fraud department specialist supervisor '' could not explain this. As a retired Police Officer the only way that the exact same charge went through after a month that this account was closed, after 3 months from the initial charge and my credit frozen is that whoever " pushed this charge through '' is either the person who stole my identity or working with the offender ( s ) Under your publication summary of rights under the FCRA of victims of identity theft synchrony bank refuses to release THE RIGHT TO OBTAIN DOCUMENTS RELATING TO FRAUDULENT TRANSACTIONS MADE OR ACCOUNTS OPENED USING MY PERSONAL INFORMATION. This is a direct violation of the law and my civil rights. This information is needed to help with the apprehension of the above offender ( s ). I am hoping that this is the avenue to protect me and the civil rights of the law of this land and not allow a supervisor fro synchrony bank make up them as they go along. I have had a total of XXXX accounts that were attempted to open in my name XXXX with synchrony bank and out of those XXXX the only XXXX that were opened were with synchrony bank. With the rise of identity theft it should be up to the companies that open these fraudulent accounts to clean up their mess and not make the VICTIM jump through a hoop to clean it up.
|
| 01/02/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
Attn : GE/CareCredit/Synchrony Bank/Consumer Financial Protection Bureau To Whom it May Concern : In regards to the letter that was attached to my complaint through the CFPB regarding Synchrony Bank/Care Credit ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c ) that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against Synchrony Bank, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of.Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no XXXX copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against GE/CARECREDIT. Also in this letter they stated they received disputes electronically starting only this year. It is reporting to XXXX and XXXX but not XXXX. I have requested that XXXX send me copies of any dispute results I have made within the past 24-36 months because of this deception and fraud. The detailed transaction history attached is very vague because I do not know where these transactions occurred or how they occurred. What are they for? No healthcare provider can fill out application for credit for any patient at all whatsoever. I trusted the oral words of healthcare provider who stated if you make monthly payments you will NOT be charged interest on this account.
|
| 09/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am seeking assistance in my challenge of CARECREDT/SYNCHRONY BANK 's invalid an unauthorized charges for claimed services rendered by XXXX XXXX. When I was first billed by CARECREDIT for such an egregious amount, I complained to the XXXX office ( XXXX ) directly because they had not performed the work that they had charged me for. In addition, I had not consented to all of the services that they had charged on the CARECREDIT card. The initial reason for my visit to XXXX was not even reflected on the credit application for Care Credit. When I pointed that out to the office, they explained that they were putting down some services and only needed my signature simply to see how much credit I could obtain from Care Credit ; basically, the specifically treatment sought was not important at that time. Once they got me approved for a certain amount, it seems like the goal was to create/come up with as many services as possible in order charge the maximum amount on the card. When I see the doctor 's office was not interested or trying to resolve the initial problem that I went to the office for, I had to actually go to another XXXX office to resolve my problems. When I told them I had decided to see other XXXX XXXX XXXX XXXX 's office insisted that since I had lots of unused money on the card maybe some of it ( to be precise {$390.00} ) could be used as prepaid for my daughter 's XXXX services. However, I learned from my wife she had initially paid {$630.00} out of pocket for prepaid services which had not been completed since my daughter went away to college ; then I cancelled the {$390.00} payment. It seems like XXXX XXXX office found all kinds of creative means of charging the maximum amount on the card. I then decided to file a complaint with CareCredit/Synchrony Bank. At first, the company tried to assert that I had lost my card and was trying to replace it. However, I drafted a full complaint and set forth the deceptive practices of the XXXX office. I explained how they were deceptive in how they coerce me into getting the Carecredit card, although I told them that I had XXXX insurance. In addition I also explained how they charged me for services that I had not requested and they had not rendered. I did not ask for or need any XXXX because I had problems in the past with XXXX making my XXXX XXXX. But, XXXX XXXX proceeded to order these XXXX which of course I never requested. She said they were already approved on the Care Credit card that 's why she ordered them ( with a grin on her face ) even if I do n't want them they will still get their money. After all of these interactions with XXXX XXXX and the lack of response and inaction from Carecredit/Synchrony Bank, I have realized that Carecredit/Synchrony Bank is working in collusion with the doctor 's office to fraudulently obtain authorization from patients to get a Carecredit card and charge as much money as possible. They both win at the expense of the patients.
|
| 07/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I purchased a XXXX XXXX rolling suitcase from a marketplace XXXX XXXX ) on XXXX. I was told it was authentic and I was excited about receiving this item that I paid a large amount for ( {$2100.00} ) in XX/XX/2021. When I received the item, I had it authenticated and it came back NOT authentic, which I have the certificate from the authenticator stating as much. XXXX is not supposed to allow the sale of counterfeit goods on their website; however, this item was sold to me and the seller ( XXXX ) remains to be selling on their site as I write this letter even after I reached out and gave them the evidence.
I reached out to XXXX about this issue to see what I should do ; I also reached out to the seller ( XXXX ) and was told to ship the item back for a return. However, it is ILLEGAL in the United States to ship counterfeit goods ( which I found out by speaking with a border patrol rep and being directed to the customs and border patrol website ), here is the web address I was sent to US border patrol website explaining how shipping counterfeit goods is illegal : https : //www.cbp.gov/trade/fakegoodsrealdangers So now I am stressed and am being told by XXXX and the seller to ship this item which needed to go overseas which had me more scared thinking what if customs sees that I shipped it and I know its counterfeit, etc...
I was told by XXXX and you to send it back anyway.
XXXX has also stated they do not trust the number one reputable authenticator for XXXX XXXX products even though they offer to authenticate these same products. Here is the web address showing that they will authenticate luxury goods such as XXXX XXXXXXXX XXXX XXXX XXXX Since I knew that they authenticate these items themselves, I reached out to them and told them that I would ship it to them and not the seller so that they could prove to themselves that it was a counterfeit. They denied this request and will not accept the other authenticator 's certificate ( even though they are the number one authenticator for XXXX XXXX XXXX XXXX and have been for several years now, well more than XXXX ).
After all of this stress, heartaches, and headaches I decided to talk to my credit card company ( PayPal credit card through Synchrony Bank ) to start a dispute. I gave them all the information above and waited. They came back weeks later and said they are denying my claim. So, I wrote and called them again, and they have seen all the evidence and they know it is illegal and I opened another dispute which they denied again weeks later, I am now on my third dispute with them that I started today through a secure message, fax, and physical mail, I will also be calling them again tomorrow.
This was a huge purchase that I expected an authentic XXXX XXXX item and not a fake and now I feel like I have been defeated by my credit card company that I thought I could trust.
I purchased this item in XX/XX/2021 for {$2100.00} from the above-mentioned seller on XXXX.
|
| 03/04/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
I have a Care Credit account issued by Synchrony Bank. I just spoke with a manager named XXXX, who is located in Arizona, and who claims that the CFPB " makes '' Synchrony issue its confusing monthly billing statements. When I pressed him on this, he said because that the CFPB has approved Synchrony 's billing statement plan, it is tantamount to " making '' Synchrony use the plan. When I said that approving a plan is completely different from " making '' the bank use the plan, he stated it was a " matter of verbiage. '' He became more and more " snotty '' as the phone call went on.
I have XXXX " promotions '' with Synchrony. XXXX have expired and XXXX are unexpired. Once a promotion expires, Synchrony stops listing it separately on the monthly bill and the customer begins paying interest on the expired promotion. The amount of money making up the expired promotions are lumped together into a " balance amount '' on the bill. Evidently, Synchrony applies the payment amount first to promotions that have not yet expired. If the promotion has not yet expired, that means the customer has not yet begun to pay interest on it. It saves the customer money to have the payment applied to an expired promotion, because that 's the one the customer is paying interest on. The customer has the right to designate which promotion the monthly payment will be applied to. In order to see whether the payment has been correctly applied to the promotion the customer chose, the customer has to work from XXXX separate billing statements and do math.
I works like this : The month in which the promotion expires is the last time it 's listed separately on the bill. I have an expired promotion of {$320.00}. It was listed as expired on the XX/XX/2017 bill. I asked that my XXXX dollar payment be applied to that promotion, since I 'm now paying interest on it. On my XX/XX/2017 bill, the XXXX dollars was applied to an unexpired promotion of {$320.00} that wo n't expire until XX/XX/2017. Now, on the XX/XX/2017 bill, the {$320.00} amount has been reduced to {$250.00} ( because {$75.00} was deducted from {$320.00} ).
In order for me to find out for sure if the {$75.00} will be applied to the expired amount, I have to wait for the XX/XX/2017 bill. If the promotion reduced to {$250.00} on the XX/XX/XXXX. bill goes back up to {$320.00} on the XX/XX/XXXX bill, that will mean the {$75.00} was applied, as requested, to the expired promotion of {$320.00}.
Since the expired promotion will never again be listed separately on my bill, I will have to keep going back to the last bill on which it appeared ( XX/XX/2017 ), and doing addition and subtraction on the recent bills to see whether the expired promotions are being paid as per request.
By the way, I have to cal Synchrony every month to have the payment applied to one of the interest bearing promotions.
I suggest that the CFPB look at this system and suggest ways to make it less of a burden on the cosumer.
|
| 07/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
contacted PayPal in Fall of XX/XX/XXXX advising that I had received a statement advising that I had a credit card with them with a past due balance. I contacted them right away, took several representatives to get escalated to a manager as no rep would open fraud for me stating i had used the account and there was a pending balance. I kept explaining to them I didn't open the card and that I had no idea I even had a credit card with them. I confirmed I do you have PayPal account, however all of my transactions have been paid through my debit card with my credit union. Finally the manager confirmed that he would close out the account as fraud, I would receive a letter in the mail with the details. Several weeks later I did receive the letter from PayPal stating the account was closed out in regards to fraud and that within 60-90 days ( can't recall exactly ) the account would be removed from my credit report.
In XX/XX/XXXX my employer pulled my credit ( as they do every year ) and I have a collection showing as of XX/XX/XXXX through XXXX collection company for the PayPal account. I immediately checked the PayPal account on the credit report and it's showing a charge off account.
PayPal turned me over to collections months after the letter was received advising the account was closed out as fraud and credit reporting agencies would be updated.
I now have to go through the dispute process with the collection company which will take 90 days before I can obtain any documentation from the collection agency in regards to the outcome of the dispute.
I am currently on the phone with PayPal again. I have spoken with a rep, a manager, fraud, and now their investigation team has to further look into it.
This issue can effect my job, if not cleared up it's in my job contract to receive disciplinary action if my credit is not clean. This not only effects my credit negatively for the credit card that I didn't open, I am now being penalized for the collection account that is showing and negatively impacting me.
Still to this day, they can not ( or will not ) provide me with the dates of the purchases or any transaction history for debt that is being negatively reported on credit in my name.
XXXX ( employee ID XXXX ) an account manager states multiple times that I can't speak with anyone above her. After going round and round and round, she finally said her manager would review my account and IF he felt that he needed to reach out to me he would, however the soonest it would be is 72 hours. I asked for his employee ID and contact info and was refused. I asked to hold until he was available and refused. I asked to be called back by said Manager regardless to whether he felt " he needed '' to and was advised he would only call back should he feel it was needed.
I advised I would be completing a complaint with CFPB in regards to this issue and would encourage her to provide me direct access to her manager and was again refused.
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly.
Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
As I am sure that you are well aware, current Federal case
law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
|
| 08/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/2021, I wrote to the CEO of XXXX to revise its website to revise the " transactions '' and " statement '' format by showing the balance amount ( at the far right-hand column ) after each transaction ( purchase, refund, and payment ) like all other financial institutions in the United States.
An employee from Synchrony Bank, which deals with PayPal Credit, called me and said that it is not responsible for the PayPal Credit website, and as such, I should contact XXXX.
On XX/XX/2021, I sent another email to the President of Synchrony Financial, requesting a statement from XX/XX/2021 with the following information : Transaction Date Store Name/Company Charges Made Refunds Payments made ( by me ) Balance ( on right-hand side ) But I never received any response, nor did I receive a statement which shows the actual purchases, refunds, payments, and balance payable.
HERE ARE THE PROBLEMS WITH PAYPAL CREDIT : XXXX Credit does not operate like all other financial institutions, particularly credit card companies in the United States, because of the following : 1 ) PayPal Credit does not have an Account Number for its credit account holders. Instead, an email is used as account ID, unlike all other financial institutions in the United States.
2 ) Transactions and statements do not show balance amount on each horizontal line ( purchases, refund, payments ).
Usually, all banks and credit card companies display/show a balance after each transaction ( on the far right-hand column ). But that is not the case with XXXX.
3 ) XXXX statement does not show : Account Number, Balance amount to be paid.
Payment Address and toll-free phone to send a check or to make an ACH payment.
3 ) Payments made to PayPal Credit are shown as " debit '' on the account, e.g. : XXXX.
Purchases made are also shown as debit, e.g. : " XXXX. '' 4 ) When payments are made from a bank account, XXXX shows it as a debit in its own account, even though the actual payment ( debit ) was made from the account holder 's bank.
That is, early this year, I made two payments for a single purchase. When I disputed it and asked PayPal Credit why it debited my account at a time when I made the payment for the purchase from my bank account ( XXXX XXXX XXXX XXXX ), XXXX refused to adjust or credit the double payments.
5 ) Merchants/businesses which use PayPal Credit for payments show " Pay in 4 Installments. '' However, on two different occasions, XXXX debited the whole amount for the transactions, instead of FOUR installments.
That means PayPal Credit attracts customers by offering them FOUR equal installments and then credit the whole amount on the date of purchase. This is fraudulent practice.
I strongly believe that this company functions like a fraud company in the United States.
A PayPal Credit statement and a transaction or activity page are attached herewith for reference, including emails sent to the CEOs of XXXX and Synchrony /XXXX
|
| 04/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On Friday, XX/XX/2019, when I signed into my PayPal account I found they demanded that I pay {$180.00} into the account since I was overdrawn.
There was no indication why this was the case. I have both a PayPal Mastercard where I have available credit of {$86.00} and a PayPal line of credit where I have available credit of {$47.00}.
Thus, it is not obvious why I should owe money to PayPal.
I called and spoke to XXXX who told me that the reason for the overdraw is that PayPal made a payment to XXXX XXXX for material shipped in XXXX and the total for the two ( 2 ) charges was {$180.00}.
I objected since I always pay for XXXX XXXX merchandise thru PayPal Credit where there is no full payment due for 6 months if the charge is over {$99.00}. In this case the order was over {$180.00} and should have been programmed to be paid over 6 months.
When I placed the order ( probably in XX/XX/2019 ) the policy of XXXX XXXX, is not to bill until shipment. At that time, I had plenty of credit with PayPal Credit. I assumed that since I placed the order, PayPal would list this as a pending charge and deduct this from my available credit.
Apparently PayPal did not deduct this from my available credit even tho the order went thru. The material was received in early XXXX and PayPal apparently paid XXXX XXXX, in full, tho that is not shown anywhere on the record of the website. I learned this from XXXX.
PayPal apparently tried to draw the funds from the bank account associated with my PayPal account but since it had no funds, they got no money.
I tried to settle this with PayPal and after I spoke to XXXX, he transferred to XXXX with whom I spoke and explained the above. She told me that since I disputed the transaction, she would transfer me to someone else. After waiting for 4 minutes, I was cut off. PayPal knew my phone number since both XXXX and XXXX asked me to give it to them. PayPal never returned the call despite knowing my number. I think PayPal wants to duck the issue, hence this complaint.
I think PayPal engages routinely in fraudulent transactions and tries to milk money illegally from its clients. I did not intend to pay for the full {$180.00} order but rather over 6 months. That is why I use PayPal credit.
When PayPal tells me I have available credit, I rely on them to make transactions. For them to suddenly turn around and tell me that I owe them money without any explanation is fraud.
The best solution is to add the {$180.00} to my balance at PayPal Credit. I will pay this off over time using the 6 month grace period as is the policy.
I have always paid my bills with PayPal and as noted I have available credit in both my PayPal Credit and PayPal Mastercard accounts.
If PayPal had a problem with the {$180.00} charge, they should have let me know and I would have used another credit source.
PayPal plays fast and loose with money and accounting. They also have poor customer service as noted above.
|
| 03/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
Hello Consumer Affairs and XXXX XXXX XXXX I am submitting a complaint to you regarding XXXXXXXX XXXX XXXX XXXX. I have had credit XXXX XXXX on my PayPal Credit line and on my PayPal XXXX account. I initiated a debit cancelation claim for both PayPal credit lines to be paid off due to my XXXX due to a car accident I was involved on XX/XX/XXXX. I also submitted a second debit cancelation claim due to a second car accident I was involved in on XX/XX/XXXX.
I was instructed by XXXX customer service representative on XX/XX/XXXX to have the physician forms completed and signed by my doctor. I received the forms from XXXX XXXX customer service with assigned claim number XXXX. My primary care physician completed that forms back on XX/XX/XXXX I communicated with XXXX XXXX Customer Service representative multiple times regarding this claim via phone. I also sent them emails. I spoke with the customer service team in XXXX and XXXX XXXX. Shortly after that I could no longer reach XXXX XXXX customer service team by phone, XXXX XXXX website, nor by email I tried to upload my documents and physician forms to XXXX portal. Unfortunately, when I attempted to access their website I received a web page error message saying the web page not found. I tried to reach XXXX XXXX by email go multiple times. I received every time I sent an email that the email address XXXX could not be reached, mail delivery failed, and email inbox full error messages. I have tried to call XXXX XXXX customer service team at XXXX multiple times XXXX. Unfortunately I would constantly receive the message saying that they are having technical issues. We are working to have it resolved quickly and swiftly as possible. and to contact XXXX for service. When you call that number the number belongs to Synchrony Bank who tells me that they cant do anything for XXXX XXXX is a third party they offer to their cardholders such as myself. This issues with XXXX XXXX has been unreachable since XX/XX/XXXX. It is now XX/XX/XXXX. That phone message is still stated to this day when you call XXXX XXXX customer service number XXXX How long does it take for a corporation to fix their technical issues? XXXX is still charging me for the XXXX XXXX fee on my borh by credit cards they are suppose to cover but are not.
I Mailed XXXX XXXX my Physian 's forms and medical suppprting documents for XXXX XXXX XXXX XXXX certified mail. Those documents was sent certified mail on XX/XX/XXXX. It was confirmed that XXXX XXXX received the certified mail XX/XX/XXXX. I still have not received any responses from XXXX XXXX company.
Resolution : Pay off all credit card balances per my claim submitted and per XXXX XXXX XXXX guidelines states.
Credit back insurance fees charged to my credit cards paid from XXXX XXXX due to company not in operations and not functioning due to technical issues per the phone recordingXXXX XXXX
XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXXXXXX
|
| 03/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/XXXX : I received a notification from XXXX XXXX. It said I had a new report on my credit. Upon further investigation, I was about a hard inquiry that I didn't not apply/inquire about.
It was by Syncrony Bank. The inquiry was for a XXXX XXXX XXXX/XXXX account. Supposedly the inquiry was made XX/XX/XXXX.
I did not apply for this, I do not know what this is.
XXXX XXXX provided me with a link to call Syncrony Bank and have this taken off my account.
I had first called the number provided at XXXX XXXX, XX/XX/XXXX and talked to a representative. He said I didn't have an account, therefore, he didn't have further instruction or ability to help me because there was supposedly nothing to look into.
He ( SyncBank rep ) said I needed to contact XXXX XXXX, so I sent XXXX an email to their support on XX/XX/XXXX at XXXX XXXX Once I found out numerous people have never received replies, I figured I could call XXXX , seeing how that was the bureau that the inquiry was reported under.
I called TransUnion XX/XX/XXXX at XXXX XXXX
The representative gave me instructions for how I can get this taken care of, she even provided me a file number : XXXX XXXX XXXX.
She instructed me to request a form/letter of release to be sent to my address. Which I would then have to send to XXXX 's P.O. box in XXXX, PA along with my letter of authorization.
I called Syncrony Bank a second time, XX/XX/XXXX, at XXXX XXXX I talked to a different representative, and he stated that this inquiry from XXXX XXXX XXXX/XXXX was not affiliated with Syncrony Bank. It has no relation to Syncrony Bank, and they don't know why it would be on my credit.
He also stated that XXXX XXXX has said that this was a common error, and they tell customers to call Syncrony Bank. He could not send me a letter of release because according to him, if I don't have an account with them then there is nothing to release.
So then why would this be reporting on my credit report stating to be coming DIRECTLY from Syncrony bank? It makes no sense.
Therefore, sticking me into a vicious cycle of contacting whoever the last person told me to contact.
After various short phone calls, I have no patience to wait months before realizing XXXX XXXX will never respond to me, and if they did, they would just tell me to contact Sync Bank and the cycle continues.
I did independent research and found someone who had that exact same problem as me, and this was the method he said worked for him.
I need to file a complaint with Syncrony Bank, to take that report off of my account because that's exactly what they did for the man who shared this method to the internet.
I need to file a complaint with XXXX XXXX.
And I need to file a complaint with XXXX.
I need my credit protected. I will be having my first child this year, and I need a house, and I can't get one with my credit sinking because a fake company wants to take money from me.
Any help would be appreciated.
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX and XXXX XXXX XXXX, Syncrony is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, XXXX XXXX XXXX and Sycrony Bank the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and Sycrony Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, XXXX XXXX XXXX and Sycrony Bank Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 03/05/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I am an Amazon Prime customer & I purchased a massage chair 45 days ago via Amazon Prime. The purchase price was {$2200.00}. When I was making this purchase a pop-up ad appeared offering 12 months same as cash financing if I applied for an Amazon Prime charge account. I applied & was approved for this account which it turns out is offered via Synchrony Bank in XXXX, OH. 2 weeks after the purchase I attempted to make a payment on my Synchrony Bank account online. I got a message saying I needed to call an XXXX # so I did. The XXXX # was answered by Synchrony Bank 's Customer Service Department. The agent told me I needed to verify my identity because someone at Synchrony had placed a Fraud block on my account. After answering 5 minutes of? 's the agent refused to let me make a payment. He put me on hold for 10 minutes & then told me that his Manager said that I needed to make a copy of my Drivers License, write my account #, date & sign it & mail it to Synchrony Bank in a XXXX, OH. I told the phone agent that it was crazy to me that he would n't let me make a payment on my account. I asked him who commits fraud by making a payment on an account? He could n't answer my?. He proceeded to give me a 2 minute disertation about Synchrony Banks Fraud policies. The next day I made a copy of my Drivers License, signed & dated it & wrote my account # & mailed it. Yesterday I tried again to make an online payment & got the same message telling me to call an XXXX #. I called the Synchrony Customer Service Department last night & the agent ( XXXX ) gave me the same FBI interrogation that I got 3 weeks ago. He refused to let me make a payment so I asked to speak to a Supervisor. The Supervisor admitted that Synchrony received the copy of my Drivers License I mailed 3 weeks ago. She said my account was under 'investigation '. I about fell out of my chair in disbelief. I asked her how I was OK to get approved by Synchrony for a {$3000.00} Amazon Prime account but I am not OK to make a payment on the account? She placed me on hold for 10 minutes & then told me she would create a XXXX call with a payment agent that could take my payment. After I made my payment the Supervisor said in order for Synchrony to remove the Fraud block on my account i needed to make a copy of a recent utility bill & mail it to the same XXXX XXXX XXXX XXXX, OH where I sent my Drivers License. I told her that I was n't going to waste anymore time sending Synchrony Bank ID docs. I told her I was going to file a complaint against her company & their Gestapo tactics. She told me that there was a late charge on my account & I asked her how that could be when I have n't received any statements or emails telling me how much I owe. I also reminded her that I was supposed to receive 12 months same as cash. She told me she could n't discuss my account because of the Fraud block. This is the most insane thing I have ever seen in my XXXX years on this planet. Help!
|
| 06/16/2016 |
Yes |
|
- Forbearance / Workout plans
|
|
Web |
|
|
I had a dental procedure in XXXX of XXXX and was given Care Credit as an option to pay the {$3200.00}. I was quite out of it XXXX. I realize now that I should not have agreed to any financial plans while fuzzy. However the dental office staff did n't give me much info and made it seem like a very standard way to pay. I was offered either a no interest plan if paid by a certain date and a fixed payment plan with interest. I 'm not even sure which plan I chose. Probably the one with the lower payment as I was financially strapped after a lay off. I 'm not sure if I signed anything. My monthly payment started at $ XXXX/mth and soon went up to $ XXXX/mth. I lost another job soon after the this but kept up with payments while receiving unemployment. Since that time I have become unable to work and have no income. My family income is down as well due to the poor economy. I have applied for XXXX but that could take a year or more. By his time GE Capital/Care Credit had changed to XXXX Bank and then to Synchrony Bank.I asked them repeatedly throughout XXXX - XXXX to modify my payments ( lower monthly payments with longer term ). I was told nothing could be done. I kept up with payments until XXXX of this year then started falling behind. Then this XXXX of this year during XXXX of the multiple daily calls from them I mentioned that if I went bankrupt they might not get anything. Suddenly I was transferred to a department who told me " they would " be happy to work out a payment plan for me. '' I was offered a new arrangement of $ XXXX/month with no interest and removal of all late fees. I said that would be great but they said I had to accept the new plan over the phone right then. I said I needed something in writing. ( They had been somewhat deceptive so far ) I was told I could only get something in writing AFTER I accepted the new plan. ( What kind of business practice is that??? ) I said " just send me an email with a few bullets descibing the new arrangement. '' They would not. I did n't know what to do. They gave my account over to a collection firm who have been relentless in calling me day and night, Sundays and holidays. Finally I thought maybe if I speak to the collection firm ( XXXX ) they may be able to offer me a payment plan AND give me something in writing. So I called them. They were able to offer me a plan that sounded similar - $ XXXX/mth for 48 mnths. This sounded OK until I did the math. If I make 48 payments of {$37.00} it equals {$1700.00}. My XXXX statement shows my new balance to be {$1600.00} ( which I believe includes interest and late fees ) and my promotional balance to be $ {$1300.00}. I just want to make a payment plan that is fair to payoff this debt ; {$25.00} - {$35.00} per month that adds up to a fair amount that I owe them with no interest and removal of interest and late fees as promised, from at least this year but really from XXXX when I first contacted them for a new arrangement.
|
| 06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX TO SET UP A SETTLEMENT AGREEMENT OVER THE PHONE. THEY GAVE ME A SETTLE AMOUNT OF {$810.00} ON MY LUMBER LIQUIDATOR ACCT THAT WAS SUPPOSE TO SPLIT AND PAID IN 2 INSTALLMENTS AND TAKEN FROM MY CHASE ACCT. ONCE THE 2 PAYMENTS WERE SUCCESSFULLY DRAWN ON THE TWO AGREED, I WOULD GET A LETTER IN THE MAIL THAT MY SETTLEMENT WAS FULFILLED FOR MY LUMBER LIQUIDATED ACCT.
XX/XX/2020, I GAVE THE SYNCHRONY REP. MY XXXX CHECKING ACCT # AND ROUTING # TO SETUP THE 2 AUTOMATIC WITHDRAWS FOR THE FOLLOWING DATES THEY SET-UP.
-FIRST SCHEDULED PAYMENT - XX/XX/2020 FOR {$400.00} ( SUCCESSFUL ) -SECOND PAYMENT - XX/XX/2020, NOTHING CAME OUT MY XXXX ACCT. I EVEN CALLED MY BANK AND THEY VERIFIED NOTHING WAS PULLED BY SYNCHRONY BANK.
XX/XX/2020, I NOTICED THE MONEY STILL HAD NOT BEEN TAKEN FROM MY XXXX ACCT. I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX TO SEE WHAT HAPPENED & WHY THEY DIDN'T PULL THE SECOND PAYMENT FOR {$400.00} AS AGREED. THE SYNCHRONY REP SAID SHE DIDN'T SEE THE 2ND PAYMENT SCHEDULED ON HER END AND WOULD SUBMIT A COMPLAINT FOR ME.
SHE SAID MY SETTLEMENT STILL LOOKED ACTIVE ( AS OF XX/XX/2020 ) AND ASKED DID I WANT TO MAKE THE SECOND PAYMENT THEN INSTEAD. SHE SAID MY ACH BANKING INFO WAS STILL ON FILE, SO SHE INITIATED THE PAYMENT OF {$400.00} TO COME OUT OF MY XXXX ACCT. THE WITHDRAW FROM THEM WAS POSTED ON XXXX ACCT ON XX/XX/2020.
XX/XX/2020 I GOT AN EMAILED LETTER FROM SYNCHRONY DATED, XX/XX/XXXX SAYING THAT I DIDN'T SETTLE MY ACCT AS AGREED AND THEY WOULD REPORT MY ACCT AS BAD DEBT TO ALL THE CREDIT AGENCIES.
XX/XX/2020 I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX XXXX AND THE LADY CLAIMED SHE COULDN'T DO ANYTHING AND GAVE ME THE # TO THEIR RECOVER TEAM AT PHONE # XXXX. THE RECOVERY TEAM REP SAID SHE UNDERSTOOD MY SITUATION AND APOLOGIZED FOR MISUNDERSTANDING BUT COULDN'T HONOR THE SETTLEMENT STILL. I TRIED TO EXPLAIN TO HER THEY DIDN'T HONOR IT BECAUSE THEY NEVER PULLED IT. I'M THE ONE THAT CALLED IN AFTER I NOTICED IT WAS PULLED ON XX/XX/XXXX AND MADE THEM TAKE IT ON XX/XX/XXXX. THE SYNCHRONY RECOVERY TEAM REP STILL SAID SHE AND HER MANAGER COULDN'T HONOR THE ORIGINAL SETTLEMENT AND TRIED TO OFFER ME A SECOND SETTLEMENT ON THE REMAINING ORIGINAL BALANCE. I SAID NO! BECAUSE THAT'S NOT FAIR. I PAID THE FULL SETTLEMENT AMOUNT AGREED ON, ITS NOT MY FAULT SYNCHRONY DIDN'T PULL THE SECOND ACH PAYMENT AS AGREED!
XX/XX/XXXX, I ALSO CALLED MY MY BANK XXXX XXXX & THEY TOO CONFIRMED SYNCHRONY SET UP AN ACH PAYMENT ON XX/XX/XXXX AND INITIATED THAT PAYMENT OF {$400.00}, BUT NEVER DID ATTEMPT TO TAKE THE SECOND PAYMENT OUT ON XX/XX/XXXX FOR {$400.00}.
I AM HIGHLY UPSET AND FEEL THAT I WAS MISLEAD & NO ONE TRIED TO HELP ME! I DID MY DUE DILIGENCE in communicating and following up! I want my settlement honored and I also want them to delete any default, bad debt or negative information from my account FOR ALL THE DISTRESS!!!!!
|
| 12/08/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I purchased a mattress at Mattress firm, I was approved and signed up for an in-store credit card with them through Synchrony bank. I logged into their website to make a payment and sign up for auto pay. Beforehand I was informed by a representative over the phone that if I wait until XX/XX/XXXX to make a payment on the card I could have Auto-Pay auto-draft from my account on the XXXX of the month instead of the end of the month. ( The wife and myself get paid at the beginning of the month so we like our payments early on it helps with budgeting. ) Well on XX/XX/XXXX I logged into their site and set up auto-pay along with my first payment of {$120.00}. Well around XX/XX/XXXX I checked my bank balance to see that my account was negative XXXX. I was charged the entire statement balance of the card from Synchrony bank at the end of the month. As I'm panicking because XXXX is coming up and I'm XXXX dollars in the whole, my bank even said the amount was posted and not pending. My Synchrony balance showed that my balance was XXXX owed as opposed to the XXXX that I owed at the time of setting up my auto-pay. Meanwhile I reach out to Synchrony via website text chat. There was no option to print out a transcript of the conversation but I was told from the first person that they would send me a check to fix the error and asked for my address. I got disconnected from the chat and reconnected with someone else, they informed me that they cant send a check and that the employee who said that was new. They explained to me that since my account didn't have the funds that my bank should cancel the transaction automatically in the morning. Skeptical, I reached out to Regions and got a hold of an agent via text chat as well who was extremely helpful. By XXXX the next morning the transaction was refused and my Synchrony balance was back at the original amount. That is a very stressful situation. I cancel auto pay and go back into the auto pay screen and very sneakily is the option in three radio button style set up, the options include, XXXX XXXX, XXXX XXXX XXXX or pay Minimum balance ( XXXX ). Well apparently I had XXXX XXXX XXXX selected as default. I don't know about you but when I set up for auto-pay, I think one would by default only want to pay the minimum or a custom amount before setting up auto pay to have them draft the entire amount for just one month. Autopay literally makes zero sense for just one month, the entire balance.
I now owe a XXXX dollar fee for my monthly payment this month for my account refusing the payment. It's XXXX dollars, not a huge deal whatever, I'll pay it but I'm willing to bet that this is something that is recurring at Synchrony where many people who sign up for auto-pay have this happen to them and Synchrony gets to reap the benefits of tacking on a fee. I'm not sure what can be done at this point but I'm one month into working with them and this is entirely unacceptable.
Thank you.
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/XXXX and XXXX XXXX, I was told by Synchrony Bank Collection Agency that once I settled and paid all my negative accounts they will removed all of the negative accounts from credit report. XXXX - XXXX I made settlements payments XXXX Settlement Payment of {$1700.00} for my Synchrony Ashley Furniture Account .
XX/XX/XXXX - Settlement Payment of {$1000.00} for my Synchrony Home Furniture Account XX/XX/XXXX - Settlement Payment of {$690.00} for my Synchrony Care Credit Account XX/XX/XXXX Settlement Payment of {$850.00} for Synchrony PC Richard 's Account I've made four settlement payment to Synchrony. However, once they recieved my payments they did not remove all these negative accounts from my credit report. I called Synchrony numerous times and wrote numerous letters of explanations, good faith letters begging and pleading to them to please honor what they said they would do and to please remove this negative account from my credit report because Im currently facing financial hardship due to the XXXX Pandemic. I am XXXXXXXX XXXX Im very sick and I need to downsize and move into an affordable new apartment ASAP, but these negative accounts charge off are affecting my credit report negatively and is preventing me from getting an apartment approval. I've spoken to different supervisors at Synchrony dispute department and collection agency regarding this issue and still I'm not getting any help. Prior to making my settlement payment I spoke to Synchrony Bank collection Dept. called XXXX managers numerous times regarding my accounts and request for deletions and I was told these accounts will be removed from credit report. I ' m very hurt that Synchrony dispute dept. refused to help me. It's like once they receive my settlement payments they did not care about my current financial hardship. I feel it's not fair that I have to suffer like this and for 5 long years I struggled to pay these account off due to my financial hardships when finally settled this account with them they did remove these items from credit report. I reached out to Synchrony dispute department by phone and certified mail begging and pleading for them to help me. I even reach out to all three credit beau 's and did numerous disputes against Synchrony Bank but they could only do so much to help me. Even though I filed numerous disputes against Synchrony denied each dispute. What am I suppose to do now I can not get any apartment approval or credit credit approval or a home loan approval because of this negative account showing on my credit report. This issue is preventing me from moving forward in my life. I've been a Synchrony Customer since XXXX my account was in good standing until I lost my job back in XXXX and I could not pay my monthly credit card accounts. Now I feel like an unvalued customer.
I'm facing financial hardship due to XXXX I'm desperately need these negative accounts removed from my credit report. I need help.
|
| 07/25/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I had recently filed a complaint regarding the fraudulent card, but the dispute was denied for the following reasons, someone opened an account XX/XX/XXXX, with my " approved '' name, verified address, telephone number, email address and other personal information. After I explained the person who did my taxes had not only stolen my identity but others she had done taxes for as well. In other words, she had all of our information listed above and more personal information such as social security number and bank account information to have my money deposited into. As I mentioned before, this went into an account I hardly use. The purpose was to have my tax money there for a total of 5 years to help with my down payment of home. In which I discussed this with her as well. So it was pointless to check this account. I knew the amount of my taxes that would go into the account. And that was the only thing going into that account, which was only tax money. Then you think, why didn't you all press charges. Well once we all figured out what was going on, that person who did our taxes was moving from state to state. She would go from atlanta, to virgina, back to different cities in North Carolina. And in order to press charges you would have to find the person first. But I guess people do not believe these things happen.I even attached the documents from the IRS regarding identity theft, and how this person continued to file taxes using my personal information. Leaving me stuck to pay penalties etc. So I am stuck with paying off the balance. In which I sucked it up and started to pay, because I have no other choice unless I want my credit to be ruined. So now I am making these payments, but the balance is steady increasing due to interest. One day my balance is {$2100.00} then the next is XXXX, and I'll make a payment and then the balance grows some more so it looks as if I have not paid anything. It's ridiculous. Then it states on XX/XX/2017 I called and verified items that were mine and were not mine. If this person had ALL of my information. Guess what she was the one who verified, not me. This person even went and had a XXXX XXXX place account in my name all the way in Georgia. A whole different state. In which I caught the upmost trouble trying to resolve. Why because she made two months worth of payments using a credit card and later discovered the card was canceled. Why? Because it was stolen. This has been on frustrating experience with XXXX. First making them aware I was not the card purchaser, second sending them all the information regarding the identity theft, third being stuck paying the balance, and now the interest feeling as if I am getting anywhere due to this high interest. It's impossible for the balance to decrease even though I am making payments because I have to.I never even physically received this card. I only know the account number from the previous complaint and calling in complaining.
|
| 01/16/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
On XX/XX/2019 an electronic payment was made in ERROR to XXXX, Synchrony Bank, in the amount of {$9000.00}. This was sent from my primary checking account with XXXX XXXX XXXX XXXX. The payment was intended for XXXX XXXX.
I noted this when I checked my account on XX/XX/XXXX. At the time of the payment, I did not owe any money to XXXX and in fact had a negative balance. I called the number on XXXX statement, which is Synchrony Bank immediately. They refused to reverse the funds or to issue a refund, but would only send a check under the following conditions : 1 ) Must fax ( no email ) A signed letter from my bank officer on letterhead stating that a ) my bank account was not overdrawn at the time of the payment, and b ) that the funds would not be reversed. Must be faxed to " XXXX '' at ( XXXX ) XXXX.
2 ) Must fax a copy of my bank statement ( XXXX ) showing the balance after the payment was made to prove that there were no overdrafts.
3 ) After the above items are received and accepted, they would issue only a paper check to me, which could take 30-90 days. They refused to make any electronic refunds.
On XX/XX/XXXX a letter was faxed to Synchrony from my bank officer ( XXXX XXXX ) as they demanded ( see attached documents ). I called them on XX/XX/XXXX and they stated the letter had been refused as insufficient. The call taker ( XXXX ) said she didn't have a copy because all declined/refused letters may be shredded. She would 'try ' to call my bank officer back on Monday. ( on the same day I desperately faxed a copy of my checking account transactions to Synchrony, just to move the process along - they later said they never received it ).
They do not make outgoing phone calls, so I called them yesterday on XX/XX/XXXX. No action had been taken on my account. I spoke with XXXX ( they do not provide last names ). After being on hold ( again, usually about 20 minutes ) she said the letter had to say that the " funds would be honored '' even though my account clearly showed a negative balance now of > {$9000.00}, and my bank had confirmed that the funds can not be reversed.
On XX/XX/XXXX, I contacted my credit union manager and had him re-draft the letter including the language " the funds will be honored '' as required and fax it. He faxed it yesterday, even though he was astounded at these demands. Again, Synchrony has not called or confirmed anything and they won't.
I've paid the XXXX bill with other funds that were hard to find and XXXX is working with me on fees and potential interest due on that ( the amount was so high because i paid my property taxes and XXXX travel, gifts, etc. with the card! ). I need the money back from Synchrony ASAP!!!!. They will only send a check IF they even accept the info submitted and then only by check and then only requiring a signature ( and I'll likely be at work, unable to sign when it arrives ). This is a nightmare, unnecessarily created by Synchrony Bank.
|
| 06/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have a Banana Republic Black card through Synchrony Bank. I have had this account for many years and have never once made a late payment.
In XX/XX/XXXX I made two separate payments on my credit card account, each for {$100.00}. One payment was debited from my checking account on XXXX and the second was debited on XX/XX/XXXX. Both before the XX/XX/XXXX due date. My minimum payment for XXXX was {$140.00}.
In XX/XX/XXXX I received a statement that indicated I was being charged a {$40.00} late fee for my XXXX payment despite the fact that I paid over the minimum payment due, all before the due date. I did not initially notice this late fee since I often automatically just send payments throughout the month.
In XX/XX/XXXX I made a {$200.00} payment that was debited from my checking account on XXXX. The minimum payment due was {$75.00} and the payment due date was XX/XX/XXXX.
In XX/XX/XXXXof 2021 I received another statement that indicated I was being charged another {$40.00} late fee. This time for my on-time XXXX payment. Again, despite the fact that I paid over the minimum payment due and all well before the due date. This unexplainable late fee caused me to do a look-back over my account to see if there had been any others. This was when I noticed the late fee on the XXXX statement.
On XX/XX/XXXX I contacted Synchrony Bank to inquire as to why I was being charged these late fees when I was obviously making regular on-time payments. I was informed first by a customer service rep named XXXX that because my payments were made before the statement was generated that they were credited as a balance reduction and not a payment. After complaining as to the deception of this practice I was transfered, once to a gentleman who's name I did not hear who eventually reversed my XXXX late fee, and a second time to an account manager named XXXX who revered my XXXX late fee.
While I personally may have been made whole, this practice is entirely deceptive and unfair to the average consumer. I've worked in banking for over 20 years and I know that if a financial institution tried to pull this sort of bait and switch on receiving loan payments and then when caught simply shrugged and pointed to " the fine print '' we would rightfully be cited for a UDAP violation. Why would a customer that has never once been late, makes frequent payments, all prior to the due date each month, be penalized for being proactive?
I don't know how this practice can meet the requirements of the Truth in Lending Act, UDAP, or The Credit Card Accountability Responsibility and Disclosure Act as it's far from " fair and transparent ''. Not to mention, how is a {$40.00} late fee " reasonable and proportional ''?
This just seems like blatant attempt to run up fees on consumers. I would liken it to the many financial institutions that used to have the practice of running debits before credits just to hit customers for overdraft fees.
|
| 10/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
My bankruptcy was filed electronically on XXXXXXXX XXXX XXXX. I was contacted today regarding a Sams Club account for XXXX in the amount of {$5700.00}.
I still have all my bankruptcy paperwork and told them that this account was on there however, my dates say XXXX and XXXX. First they said that it was because I filed bankruptcy for a personal account and the this is a business account so when I researched my bankruptcy account it had two accounts on there. I assume that was my personal and my business account.
Their claim was that the amount was for XXXXXXXX to XXXX My statement was that credit card issuer always issues you a new account number when cards expire I doubt that Sams Club would have given me two more account numbers if I was not paying on the other two, I told them this and that I dont think I owe the money.
They started at resolving the amount due to be {$2300.00} and for me to pay {$100.00} per month As time progresses throughout this phone call they and receiving copies of my bankruptcy paperwork then they resolved it to 10 % of the actual amount.
Now they want add {$570.00} in three payments of {$190.00} each.
I made the first payment. Then I researched and found out that this payment is over 20 years old or close, and a debt collector could not collect on this or sue me.
I am retired I am XXXX XXXX XXXX. I am on Social Security. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Regardless, I filed bankruptcy. These accounts were included, and I do not owe this debt.
I am trying to cancel this payment as I honestly believe I do not owe it.
Below is the email requesting that I sign the contract for {$570.00} which I have not done and will not do.
XXXX XXXX XXXX Name : Original Creditor : BANK Our Account # : Original Account # : Total Balance : {$5700.00} Dear Mr.Mrs.
In an effort to liquidate the balance of the above-mentioned account, we have been authorized to offer you a settlement in the amount of {$570.00}. The settlement is to be paid in 3 payments first payment is {$190.00} on XX/XX/XXXXXXXX for two payments you will call us once a month.
You can give us a call at XXXX and one of our Professional Account Managers will be happy to assist you.
We do not charge any payment processing fees and all Settlements are updated as Paid in Full.
Upon successful receipt of funds, this office will submit a closing report to our client for credit reporting purposes. This offer will become NULL & VOID if not paid on or before the due dates above.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NH XXXX PH # XXXXXXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose.
This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.
|
| 08/08/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Synchrony Bank DBA Walmart Credit Services opened a fraudulent account under my name twice this year. When I called to tell them the second time, I spent over an hour on the phone and escalated three times to get the card ( that had already been mailed out ) canceled immediately. I was told there would be an investigation that would take up to 60 days and I would get a notice in the mail in 30 days that the account was closed. I told them to delete me from their entire database since they are complicit in opening these fraudulent accounts ( their own internal " processes '' failed which included leaving me a message that I needed to call back within three days to open the account ; I did not call back yet the account was opened anyway and the card was mailed out. INSTEAD OF CANCELING THE CARD AND REPORTING THE CARD AS FRAUD, SYNCHRONY BANK REPORTED THE CARD AS LOST/STOLEN TO THE CREDIT BUREAUS AND ALSOREPORTED A NEGATIVE ACTIVITY WHICH COULD ADVERSELY IMPACT MY CREDIT SCORE!!!!!!! This is twice this year the same bank has fraudulently opened an account under my name and I have no recourse. I ca n't even get it closed/canceled and reported as fraud to the credit bureaus. When I called again today to demand that they fix the false credit reporting and they reverse the negative activity. I escalated to the highest person who was named XXXX who said he was the floor manager and he was the highest person available. XXXX told me that the company could only send credit bureau updates every thirty days and the last statement closed XX/XX/XXXX. This is a lie because the credit reports they filed on my credit account with bureaus was published XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. So I can not believe they are not able to restore my credit more efficiently than waiting for a thirty day ficticious billing cycle ( since I never opened an account with Walmart there can be no " billing cycle. '' ) Given the urgency and victimization of this identify theft situation, I can not wait for them to passively send an update in thirty days and meanwhile my credit is negatively affected. This is absolutely fraud and they are complicit in fraudulently opening accounts twice this year under my name so they need to be held accountable. I WANT MY CREDIT RESTORED AND MY NAME PERMANENTLY REMOVED/DELETED FROM ALL SYNCHRONY BANK DATABASES SO THIS WILL NOT HAPPEN TO ME AGAIN. I OWN MY OWN DATA AND DEMAND THEY DO NOT USE MY PRIVATE/PERSONAL CREDIT INFORMATION ANYMORE. I have now spent hours on the phone with their toll free number, put on hold for long periods when I demand to talk to a supervisor who can actually do the right thing instead of read me company talking points. I NEED MY CREDIT REPORT RESTORED, ALL SYNCHRONY ACCOUNTS IMMEDIATELY CANCELED UNDER MY NAME, AND MY SOCIAL SECURITY/CREDIT FILE PERMANENTLY REMOVED FROM ALL SYNCHRONY DATABASES. I HEREBY DENY THEM PERMISSION TO EVER USE MY CREDIT INFORMATION IN ANY WAY AT ALL.
|
| 07/24/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
In XXXX I have called Synchrony credit card and requested the closue of all the Amazon cards. They never did. On XX/XX/XXXX I have received a statement from Amazon.com ( Synchrony credit card ) for a charge made on XX/XX/XXXX Amazon Digital Seattle Prime Instant Video Membership XXXX {$9.00} that I have never opened or used. This does not even show into my Amazon account so I can't cancel from my account. I have called the credit card, requested an investigation, asked for the account and membership to be closed since I was not getting anywhere with Amazon. I talked to XXXX XXXX ( ID : XXXX ) who has informed me the charges would be reversed and then connected me with the Fraud department, reference XXXX. The Fraud department, instead of assisting me to address the issue at hand and close all cards opened under my name were trying to convince me to keep a service that I have no idea what it is and never have used. They asked me if I think this is identity theft. Obviously someone is using my card that I have never used and opened an account with Amazon that is not linked to my account. After one hour of back and forth they assured me the account will be closed and charges reversed. Synchrony never reversed the charges or closed this fraudulent subscription. In contrary, they have opened another account on my behalf, without my consent or authority and a new card was sent to me. Today I have received another statement for the same service charged on XX/XX/XXXX Amazon Digital Seattle Prime Instant Video Membership XXXX. I have called Synchrony bank and talked to XXXX who refused to provide me with her ID. She transferred me to the Fraud department, which is obviously located in another country, and I talked to XXXX XXXX ID XXXX ). She refused to file a dispute or close my account. She stated that the Fraud investigation didn't think it was a an identity fraud since I have opened this account in XXXX. Yes, I did open this account in XXXX, requested to be closed in XXXX ( which they did not ) and there is a fraudulent charge in my card that needs to be investigated. The Fraud department didn't investigate the charges and let them continue. I have requested to talk to a manager and after 20 min hold I talked to XXXX ( IDXXXX ). After back and forth he agreed to close my account. However, he stated he can't open a dispute against the charges, though he is in the Fraud department. Strange. He told me to call tomorrow the Fraud Investigation. This is what I did last time and nothing happened. Obviously Synchrony is hand in hand with Amazon and scams people and they refuse to close the accounts. I am appalled by this scheme and require an investigation and the closure of this fraudulent account. The only thing I saw Amazon added on my behalf on XX/XX/XXXX and I closed immediately was Amazon music settings and even though I have cancelled ( see evidence attached ), they still add it each month to my account.
|
| 03/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XX/XX/XXXX : I did XXXX XXXX XXXX, the total fee is {$5700.00}, and the clinic set up installment payment with a monthly payment of {$230.00} using Synchrony Care Credit Card and pay the total within 2 years.
XX/XX/XXXX : I Received a huge amount of interest charge on the credit card, saying that I have not paid in full within two years and therefore demanded a huge interest fee of {$3300.00} I checked the reason why I didn't finish the payment : 1. The credit card company changed my monthly payment into a minimum monthly payment of about {$130.00} without my authorization. 2. They added me to the card security plan without authorization. I did not agree on all of the changes and the company did not notice me at all!
XX/XX/XXXX : I called them more than 10 times to ask why my monthly payment was changed and they charged me card security fee every month, with a total amount of {$2000.00}. They claimed it's a promotion, but what kind of promotion is this! I did not say yes to this neither did they notify me. This a scam and a fraud!
XX/XX/XXXX : After arguing with them, they promised they will refund the entire card security fee, but they only refunded {$900.00}, not {$2000.00}. They still owe me {$1100.00}!
XX/XX/XXXX : The credit card department told me that my due date is XXXX. If I can pay off the remaining money before then, all the interest ( the {$3300.00} they charged me ) will be refunded, but I told her that my remaining includes card security plan {$1100.00}. Credit card department suggested that I have to wait for the card security department to refund me before paying the remaining balance.
XX/XX/XXXX : The card security department promised me to refund the money but still didnt refund it. As a result, I still couldnt pay off my credit card fee. They promised me that their supervisor would call me in one day. However, neither my husband nor I have received a message so far. I have returned to my own country on XX/XX/XXXX and told them please contact my husband, but there is still no updates.
In conclusion, I should only need to pay {$1800.00} to credit card department, because from XXXX to now, according to my payment record from XXXX XXXX I've already paid {$3800.00} ( Total surgery fee is {$5700.00} ). I should receive {$1100.00} refund from the Card security department first and then, I can pay {$1800.00} to credit card department, as the credit card department promised, they can help me waive all interest if I can pay off by my due date XXXX. However, I haven't received the {$1100.00} refund of card security fee, and I don't know what to do if they lied again. They also threatened me that if I failed to pay in full on due date XXXX, they will charge more fees. I'm very scared and very sad.
I am not in the US now and will be back on XXXX. I already info them to contact my husband but we still didn't receive any information and we are really scared if we will be charged more.
|
| 10/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
PayPal Credit offers 2 types of promotional purchase programs.
1 ) 0 % interest if paid in full in 6 months, with deferred interest 2 ) 0 % interest with 24 monthly " Easy Payments '' ***If you have both types promotional purchases ongoing at the same time, payments made online will be applied mostly to the Easy Payments purchase instead of the deferred interest promotion. This is in spite of the fact that on the statements it clearly lists a " Monthly Plan Payment '', which is the original purchase price divided by 24.
***If you make large payments with the intent of paying off the 6-month promotion so as to avoid paying deferred interest, the payments are instead applied to the Easy Payments balance. The result is that you wind up paying off the 24-month promotion early while also owing the deferred interest on the 6-month promotion. Furthermore, if you make a purchase and return for a credit, the credit gets applied to your Easy Payments promotion!
***There is no way to force payments to be allocated to the Easy Payments promotion in such a way that the Monthly Plan Payment is made each month, with the balance of the payment being applied to the next 6-month promotion to expire.
***This seems to me to be purposely rigged to make customers pay interest, even if they are careful about making the payments on time and in sufficient amount to pay off all active promotional purchases. It's a scam - a subtle and complicated one that I am sure makes PayPal Credit a ton of money.
***I contacted the company when I realized that my Easy Payments promotion had been paid off 14 months in advance. They made an adjustment to the account to restore the Easy Payments balance - I thought the issue was resolved. I noticed several months later that the company continued to apply subsequent payments to the Easy Payments purchase instead of other active 6-month promotions. I called back, described the issue, and the woman said an adjustment would be made within 2 billing cycles. Never happened, and in the meantime a 6-month promotion expired. This resulted in a significant interest charge on my account. I called a third time, was disconnected several times, and eventually talked to a manager who said they could not restore the Easy Payments balance. He indicated that if a customer wants to only pay the Monthly Plan Payment, they need to call and request a " same-day reallocation '' each month after they make a payment. This is insane, and none of the other customer service reps said anything about this. I also never saw anything about this in any of the promotion descriptions.
***By this time, I could afford to pay off the remaining Easy Payments balance ( which was supposed to expire in XX/XX/XXXX ), so I requested that I be given a credit for the interest charge. I paid off the remaining balance - otherwise I would be charged interest each month, even if I continued to make the promised Monthly Plan Payment.
|
| 09/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Back on XX/XX/XXXX I notified Chevron of fraudulent charges posted to my statement. The representative took the information advised that in 7-10 days the Fraud Department would call us for additional information is necessary. Then it would take from 30-50 days to completely resolve. I had to actually request that the representative cancel the card and issue a new one which was unfortunate since we would be traveling in the next week. I pay off the statement monthly and do not carry a balance. This included the fraudulent charges totaling {$75.00}. I asked about the charges and was advised I'd have to pay or I would accrue interest. I made the complete payment under direst. The new card was received and activated a week later. When activating, I asked about the Fraud Case and was given the same information ; resolution takes between 30-60 days. Calls were placed to Chevron again on XX/XX/XXXX and XX/XX/XXXX as this would be 30 and 60 days after the original claim. No resolution case being researched. On XX/XX/XXXX a call was placed to Chevron once again to follow up. Was advised by a Supervisor that the previous claim, " was not completed '' correctly in their system. She could see all the notes and the original representative would be re-educated to assure this does not happen again in the future. On XX/XX/XXXX the card was put on hold as we were traveling. It took almost 12 hours to receive a text from Chevron Fraud. When we spoke with them we advised that we were indeed traveling and we attempted to use the card, asked about the Fraud Case from XX/XX/XXXX. Once again we were told that there was an error. They could not explain why the case has not yet been reviewed or researched. I asked for a Supervisor or Manager to escalate as we are now at 134 days without any research being performed. The representative ( XXXX ) stated there was no one above her and " she knew how to do her job ''. Feeling that after multiple call and no resolution I was not satisfied and had no faith in their process. Concerned about our account and credit I asked to cancel the card. She proceeded to cancel the card and said there was nothing anyone could do for me and hung up. I immediately called back again to place a complaint on the representative ( XXXX ) as well as the entire process. I asked for the case to be escalated as I understood from the FTC that the creditor must resolve the dispute within two billing cycles ( but not more than 90 days ). Again I was told that it has now been correctly entered and I would hear back from Fraud with in 7-10 days. Nothing additional could be done at this time. I would greatly appreciate your assistance in investigating this matter. I am requesting to have the funds paid to be credited back to my account. This ordeal has caused me unwarranted and unnecessary inconvenience and stress. I thank you in advance for your prompt response and I look forward to hearing from you very soon.
|
| 11/21/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I filed dispute XXXX with the CFPB against XXXX on XX/XX/XXXX regarding the inaccurate reporting of a late payment on a credit card account. The negative information caused my credit score to drop by over 70 points.
I received a response from XXXX on XX/XX/XXXX explaining that they would investigate the matter but they have no record of my initial dispute. On the same day that XXXX responded to the complaint they also notified XXXX XXXX of the significant drop in my credit score even though the information was in dispute and the investigation had not been completed.
XXXX XXXX decreased my credit lines based off of XXXX reporting dated XX/XX/XXXX. XXXX XXXX proceeded to decrease my lines of credit through XXXX, XXXX XXXX, and XXXX XXXX further effecting my score.
I had not requested an additional credit card or an increase so I did n't understand why a report was being pulled on XX/XX/XXXX or why I was up for review. XXXX XXXX customer service representative explained that no request had been made and I was not up for review but that XXXX just reported the significant drop in score and other negative information.
The error regarding the late payment was quickly corrected on XX/XX/XXXX. My credit score was updated with XXXX and XXXX and increased however not to its original score. I explained to XXXX XXXX on XX/XX/XXXX that the error was corrected and my score should 've increased. They told me I had to request a credit line increase and pull my credit. However my score was still down over 70 points. The representative at XXXX XXXX explained that XXXX would have to notify XXXX XXXX with the change or update to my report before a new report and score would be considered to increase my credit line. Even though the error was corrected and my score has increased, this error and the reporting by XXXX after I filed a complaint has continued to be detrimental to my overall credit and finances with back to back credit line decreases. XXXX has not notified or updated my information and XXXX XXXX continues to decrease my credit lines based off of the XX/XX/XXXX credit reporting of XXXX. I do n't make late payments to XXXX XXXX or anyone else nor am I in jeopardy of not being able to pay my bills. I did not make a late payment however I 'm being treated as if I have and my credit continues to be effected. Why exactly was the drop in score reported while in dispute but once it 's corrected it does not trigger reporting or an update to creditors. It is unfair to make decisions on my ability to pay on incorrect and outdated information and then continue to further damage my credit with credit line decreases.
I would like my credit lines increased. I would like my information updated. I would like to stop being treated as if I do n't pay XXXX XXXX, XXXX, and XXXX XXXX every single month. I would like my credit score to stop being effected over an error that has been corrected and was not my fault.
|
| 12/05/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
Servicemember |
|
Wednesday, XXXX This morning I called to speak with someone about 'why my credit limit was decreased. ' Initially I spoke with XXXX. I told him that my credit limit was decreased an I told him that, 'I did not understand because my relationship with them has been in Good Standing, and current. ' He said, " we sent you a letter explaining why, '' I told him, " I never received a letter, please explain. '' He asked if I would hold while he retrieved the letter. Once found he read the main portions of the letter. It said that 'every 6-months, XXXX XXXX ( TJ Max Rewards Card carrier ), does a Credit Review of a Consumer 's entire credit bureau, ' and they determine consumers credit worthiness by this.
I told him that 'this is extremely unfair and absurd, and that my NON XXXX XXXX business has not been a part of my 'direct, and good relationship with them, and my bureaus have not affected my account whatsoever. ' I asked XXXX to speak with his manager. Shortly afterwards XXXX/ Account Manager got on the line. I asked XXXX directly, " are you saying that my complete Credit Bureaus determine my relationship with your company, regardless of my good-standing account and relationship, and my income being increased '' she said, " No, we determine this. '' My response to her was, " this does not make any sense, if my complete Credit Bureau does not hold any determination merit in terms of my account relationship & credit limit with you, why did you decrease my credit limit? '' She could not explain this. Our call then ended.
Their practice is EXTREMELY UNFAIR. If every company did this, those with imperfect credit who are trying to rebuild themselves 'one company at a time, this practice would make it IMPOSSIBLE to re-establish yourself, because ALL of your good credit relationships, would penalize you for the entire breadth of your bureaus, irregardless of your good standing with their company. Again, 'this UNFAIR BUSINESS PRACTICE, makes NO SENSE. ' Of the 145.5 million Americans whose credit information was gravely compromised by the Epic XXXX Hacking Debacle under the leadership of XXXX XXXX XXXX, CEO ( XXXX ), no one knows the exact negative impact on the Consumers who were gravely affected. In addition to Syncrony 's Unfair Business Practices ( SUBP ), 'could my bureau be negatively affected because of this, and this was the reason that my credit was decreased?
To treat consumers this way is HORRIBLE, and I look forward to a massive XXXX, via all of their stores, BOYCOTT, and their Unfair Business Practices going viral.
CFPB, 'my writing in all caps is NOT intended towards you, I'm just extremely angry how I've been treated by XXXX, and my feelings are only directly towards them. ' CFPB, 'I really appreciate you and the work that you do ... ' Your department is one of the 'few in our country, that truly represent the original old-school business standards and acumen. ' Sincerely Grateful ...
|
| 09/20/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I recieved a letter in the mail today in regards to my XXXX XXXX credit card account stating that my account was closed due to missing two payments. I called immediately spoke to a customer service agent and advised that I have not recieved any notification of thw account being late ... assuming it would come in the mail. I was then advised that an email address was changed online to an email that is NOT my email address. Then she prceeded to go on to advise me the account owner that i agreed to the terms recieving all communications at the time of email enrollment ... .which by the way i was never notified of any change to my contact information. The CSR advised that all communication regarding the now two missed payments were sent to the email address on file. I preceded to validate my email address by asking me what my email address is which by the way i have had long before i had the account and i have had this account in good standing for over 10 years. I told her what it was and she tell her that it did not match what was on file. I was advised that XXXX email address was invalid and not authorized by me the account owner. She stated there was nothing she could do and that the late payments and credit reporting are valid. Remember that i only recieved correspondence through the US Mail as a result of the account closure and nothing in regards to the change in contact information or that i was late because it all went to this fraudulently set up email address. I was then told nothing could be done. I preceded to escalate to the next two level of management. Both of those two managers also said the same thing. They didnt say anything or could do anything because of the fraidulent email address provided authorized all communications to be sent electronically and that i should have know to call them when it was noticed the.email was incorrect. I advised them that i am notifying them on the same call that i was notified about the invailed email and only time I have called about this issue and advised everyone that i spoke with stating that there is nothing they can do regarding the now almost 60 day past due account or reopen it. The last manager I spoke with did waive the two late fees and were credited to the account as a result of my frustration and as a one time courtesy ... nothing stated as a reason for the credit in regards to the incorrect email address on my account. He also removed the invalid email and stopped all future electronic communications. I asked if.there was a CEO or presidents email or address to write a letter and was advised that i.needed to.send a letter to the general correspondence address to address my concerns and to file a dispute with the credit reporting agencies that i dispute the delinquency reporting and have.them update the account. All because i was never notified that all my account information was sent to an email address that I did not add to my account.
|
| 03/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have been trying for two months to pay my PayPal / Synchrony Bank credit card payment.
The moment the payment is a day late, they block access to the online account and force the consumer to call. I don't trust over-the-phone payment systems and don't need to tolerate verbal abuse by their billing agents.
This is not the first time this company has used this abusive billing practice to prevent customers from making their payments online and reviewing charges on their accounts. Last time I found several charges, but by the time I was able to access my account, it was too late to file a claim. This is not fair debt collection.
I've requested at leas
t two or three times a week via e-mail service that they unblock my access so I can pay my payment. I'm now about 40 days past due, which is going to impact my credit because they refuse to allow me access to make my payment. When I did call the number, it said there was no account associated with my phone number. Their systems do not recognize me, yet they call me several times daily and send text messages and emails daily, but their system claims no account exists. They're trying to force me to talk to their collections department on the phone and give my full social security number so they can locate my account, and I am not providing that information via the phone. This seems to be an unfair business practice when there is no way for me to make a payment. I have no checks, I've always paid bills online. I can not access statements or activities and have no way to know if any unauthorized charges have gone through. All my statements are in the online portal because I have paperless billing. Even though I have been struggling between jobs, this is the ONLY account I am behind on, which should tell you something. Their practices are preventing me from paying what I owe. If they want me to pay, they need to stop arbitrarily blocking access to my payment portal so I can actually submit a payment. I don't have a physical card for this account. I haven't used it in months and did not realize it had been lost, likely when I moved six months ago. I can't even send a cashier 's check to their billing address at this point, because I do not have the full account number. I've sent this request so many times via their e-mail customer service, yet they refuse to even acknowledge my messages or attempt to resolve the issue so they can collect payment. This should not be an impossible request, and they should not be able to ignore my countless requests to access my account online or in the app. Both m
ethods disallow access, claiming no account exists.
If no account exists, then I guess I do not owe them money.
If they want to be paid, they should allow customers to pay how they feel comfortable.
These kinds of punitive practices should be disallowed if they aren't already.
Fair debt collection is just that : Fair. This abuse of process is not fair.
|
| 04/25/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
I have a savings account with Synchrony bank for the last 2.5 years. My account has been " under review '' or " restricted '' for more than 30 days. I have received no letter nor any kid of notification and only found this information out by reaching out the the bank myself.
When I did reach out for the first time, XX/XX/2020, they had no information or details to give me. They kept telling me a " third party '' handles this and couldn't tell me who or what exactly, but that I should receive a letter in the mail soon. I have been back and forth with them for the last month trying to figure out a solution to be able to access my hard earned money. I still have yet to receive a letter or any sort of explanation or reasoning as to why I can't access my account with my life savings.
I explained to them my situation. Along with everything else going on in the world ( COVID-19, etc ) I work overseas on a XXXX XXXX where I risk my life every single day to make my hard earned money that I can not even touch if I wanted to. It could be an emergency and I'd be out of luck. The multiple bank reps and managers I have spoken with have zero empathy and have not been able to at least give me information to ease my mind.
I have spoke to them several times ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020) and still get absolutely nowhere. The very last phone call they told me that my account will be closed and a check will be sent. I spoke to two different people who told me the check will be sent to two completely different addresses, which is not possible and someone is incorrect. Not only did they inform me they are closing my account ( on what grounds? I still am not certain ) but they could not give me a concrete date or time frame in which the account closure will take place, nor when the check would be mailed out. I again expressed to them that I am overseas and there nothing I can do with a check here, as there aren't any ATMs or banks in XXXX. They expressed to me that that is the only way and couldn't make any exceptions. I have no clue when to expect the check, no clue when the account will be closed and no clue what I will do with the check if it ever reaches to where I am.
This is the most unprofessional, unethical financial institution I have ever had to deal with and i am disgusted and extremely unsatisfied with the way my account and I as a person are being handled. I wouldn't recommend this bank to my worst enemy. We, as in the world, are in crisis right now and if I need to help my family survive I couldn't do so. I am a veteran and i am disappointed at how my finances have been handled especially since I've been such a great customer. My life savings are being held hostage. I have repeatedly put my whole entire life on the line, while we are still very actively at war and this is the thanks i get? I can't even access the money I have been compensated for it?
|
| 05/20/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
I have an XXXX XXXX Secured Credit Card, issued by Synchrony Bank.
On my XX/XX/XXXX statement I incurred a {$29.00} late fee and interest charges in the amount of {$7.00}. I did not recall getting my statement via the U.S. Postal service but assumed I must have missed it. I contacted Synchrony to ensure I was on paper billing and they indicated that I was.
On my XX/XX/XXXX statement I again incurred a late charge in the amount of {$40.00} with interest in the amount of {$9.00}. I did not receive a paper bill again.
I rely on paper billing for companies I do business with ( old school I know ) and as of last week my XXXX credit score received via my XXXX XXXX account has my rating at XXXX.
XX/XX/XXXX I again contacted Synchrony via their chat services and corresponded with XXXX XXXX ( Chat ID XXXX ). I was told that I was on paperless billing. I never changed my election to non-paper billing and asked why it had been changed. I did not get a clear answer but was offered that they would refund the late fee and interest charges. And she assured me that I was now on paper billing.
XX/XX/XXXX I contacted Synchrony and chatted with XXXX referencing my previous chat ID number. I told her that a credit for the interest in the amount of {$9.00} was posted to my account under the activities portion with an effective date of XX/XX/XXXX but that the {$40.00} late fee had not posted to the account she assured me the {$40.00} late fee was credited to my account and I asked where was it on the account for my review. She never really gave me an answer but while chatting with her she turned off my paper billing and put me on paperless billing. When I asked her why, she indicated I had answered yes. I had answered yes to her prior question. I then asked to be transferred to a supervisor. I was transferred to an Account Manager named XXXX XXXX. I again went through my questions/concerns regarding the credit and do they systematically remove customers from their elected billing preference. He indicated no, I again asked for confirmation in writing and again was not proved the requested information. He indicated that the credit for the late fee was indeed on my account and would be on my next billing statement and that I was back on paper billing.
XX/XX/XXXX my monthly billing statement posted to my account with a closing date of XX/XX/XXXX. Upon my review I see the {$9.00} interest credit posted with an effective date of XX/XX/XXXX. However, the {$40.00} late fee is not on the statement. I start a chat with XXXX XXXX again going through my issues. She also tells me that they do not systemically remove people from paper billing and she assured me the credit was on my account and that I was on paper billing and would receive my XXXX statement via the postal service. I again asked where I could see the credit on my account and was not given an answer but again she reassured me it was taken care of.
|
| 05/30/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
On Thursday XXXX XXXX I received a notification from a credit reporting service that I use stating that one of my two accounts with Sychrony bank had been closed. The notification was in regards to my Jcpenny store card in which I had recently made a payment on. I contacted the bank for clarification as to why the account was closed and was told because a recent payment had been returned due to non sufficient funds. The reasoning on the banks part being if two payments are returned in one ( 1 ) years time then the account is automatically closed. The problem I have with that information is at that time when I was made aware on XX/XX/XXXX by one a bank I use ( 1 of 2 ) to pay on credit accounts that the payment had not cleared I investigated. I then initiated using the second account I used because that was the intended source I wanted to pay from in the beginning. That payment cleared my account XX/XX/XXXX. In the few months prior to this the payment source information for the account that the payment was made in error from had changed. My bank transitioned me to a higher tier account and with that account came a new account number and new debit card. The previous account was closed in the process of the transition. I received a letter to my PO box from JCPenny credit card on Tuesday XX/XX/XXXX it is my belief that this letter was to inform me that my account had been closed as I have not had time to retrieve it I believed it was in regards to the payment that had been made. Upon speaking with customer service I first spoke with an agent which I gathered had no interest outside of the cut dry and paste answer of finding as solution to the delima at hand I asked to be transferred to a supervisor. Upon speaking with supervisor XXXX she informed me she was sorry but that nothing could be done because of bank policy to reopen the account. This was despite a year long relationship which clearly established my ability to make regular payments when required none of those payments with me having to be perused or a collection having to be filed nor a late reporting. Supervisor XXXX was extremely willing to waive the late fee but not assist with getting the account open which made no sense and further led me to believe an underlying motive was in place. Upon calling back and speaking with customer service specialist XXXX I had been informed that a late payment fee had been refunded in XX/XX/XXXX and told that due to bank policy that only one ( 1 ) fee would be allowed to be waived in a 12 month period. She also stated that the bank will only follow one policy regarding matters of late/returned payments but I was issued a subsequent refund and told it was clearly at XXXX 's discretion to extend the courtesy. That's not one policy, and upon checking the terms and conditions I found that the returned payment policy that XXXX spoke of weren't listed in any of the language that was made available to me.
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Walgreens XX/XX/XXXX I called Walgreens/Synchrony bank to report fraud. XXXX XXXX about XXXX in the amt of {$110.00}, plus late charges, and XXXX charges. Was told my XXXX XXXX would update and receive a new card in the mail XXXX to XXXX days. On XX/XX/XXXX I called again cause I received a statement that still had all the charges on them. XXXX XXXX XXXX XXXX transferred to XXXX in XXXX XXXX XXXX XXXX was told I owed nothing and she would expedite a card as soon as matter was resolved. XX/XX/XXXX called again as this is still on Credit Report. I XXXX XXXXXXXX then XXXX to XXXX in XXXX XXXX XXXX XXXX they sent a letter & new card on XX/XX/XXXX stating I was not at fault for charges. Have not received anything as of today XXXX XXXX waived XXXX late charges and interest. I supposedly have a {$0.00} balance. She was sending a request to open my acct again. but no guarantee this would XXXX hrs for Credit Bureaus to update. I don't understand why she's asking to have a new card and to open my Account since they went in my favor and supposedly on XX/XX/XXXX sent me a new card that I have not received. Probably haven't received because they never get my address correct. They keep putting XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. When it should be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.
Jcpenney on XX/XX/XXXX XXXX XXXX XXXX. Acct had been deleted and {$8.00} charge was forgiven. That this should not be on my Credit report. It would be 30 days to update. I would have to apply for a new card. This {$8.00} charge was in dispute as I had ordered slippers that JCP sent to my old addess in MA XXXX XXXX XXXX XXXX, XXXX, MA. I was told I was not responsible for that charge. The slippers should have been sent to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Instead they close and delete my account. As of today this is still on my Credit Report. I called them and XXXX XXXX and XXXX stated that it would be another XXXX to XXXX days.
I haven't had time today call XXXX XXXX. As this was told to me on XX/XX/XXXX this would be off my XXXX XXXX as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXey took off my late charges and I made double my payment on XXXX card ending in XXXX of {$200.00}. The other XXXX XXXX card ending in XXXX was paid off and now have a {$39.00} credit as I must of over paid.
My XXXX XXXX card with the government was hit with fraud as well at the same time. They are the only ones that resolved everything for.
I feel like I am being punished for something I didn't create. None of this was my fault. They made promises that were never followed through with. I will now call them every 7 days until this is resolved or you can help me fix this. This has been a horrible ordeal as I am in the middle of trying to get a mortgage to buy a home. Now I can't and the home I want will be gone before this is resolved.
Please reach out to me for more information if needed.
Thank you, XXXX XXXX
|
| 06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX TO SET UP A SETTLEMENT AGREEMENT OVER THE PHONE. THEY GAVE ME A SETTLE AMOUNT OF {$810.00} ON MY XXXX XXXX ACCT THAT WAS SUPPOSE TO SPLIT AND PAID IN 2 INSTALLMENTS AND TAKEN FROM MY XXXX ACCT. ONCE THE 2 PAYMENTS WERE SUCCESSFULLY DRAWN ON THE TWO AGREED, I WOULD GET A LETTER IN THE MAIL THAT MY SETTLEMENT WAS FULFILLED FOR MY XXXX XXXX ACCT.
XX/XX/2020, I GAVE THE SYNCHRONY REP. MY XXXX CHECKING ACCT # AND ROUTING # TO SETUP THE 2 AUTOMATIC WITHDRAWS FOR THE FOLLOWING DATES THEY SET-UP.
-FIRST SCHEDULED PAYMENT - XX/XX/2020 FOR {$400.00} ( SUCCESSFUL ) -SECOND PAYMENT - XX/XX/2020, NOTHING CAME OUT MY XXXX ACCT. I EVEN CALLED MY BANK AND THEY VERIFIED NOTHING WAS PULLED BY SYNCHRONY BANK.
XX/XX/2020, I NOTICED THE MONEY STILL HAD NOT BEEN TAKEN FROM MY XXXX ACCT. I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX TO SEE WHAT HAPPENED & WHY THEY DIDN'T PULL THE SECOND PAYMENT FOR {$400.00} AS AGREED. THE SYNCHRONY REP SAID SHE DIDN'T SEE THE 2ND PAYMENT SCHEDULED ON HER END AND WOULD SUBMIT A COMPLAINT FOR ME.
SHE SAID MY SETTLEMENT STILL LOOKED ACTIVE ( AS OF XX/XX/2020 ) AND ASKED DID I WANT TO MAKE THE SECOND PAYMENT THEN INSTEAD. SHE SAID MY ACH BANKING INFO WAS STILL ON FILE, SO SHE INITIATED THE PAYMENT OF {$400.00} TO COME OUT OF MY XXXX ACCT. THE WITHDRAW FROM THEM WAS POSTED ON XXXX ACCT ON XX/XX/2020.
XX/XX/2020 I GOT AN EMAILED LETTER FROM SYNCHRONY DATED, XX/XX/XXXX SAYING THAT I DIDN'T SETTLE MY ACCT AS AGREED AND THEY WOULD REPORT MY ACCT AS BAD DEBT TO ALL THE CREDIT AGENCIES.
XX/XX/2020 I CALLED SYNCHRONY BANK DEBT COLLECTION PHONE # XXXX XXXX AND THE LADY CLAIMED SHE COULDN'T DO ANYTHING AND GAVE ME THE # TO THEIR RECOVER TEAM AT PHONE # XXXX. THE RECOVERY TEAM REP SAID SHE UNDERSTOOD MY SITUATION AND APOLOGIZED FOR MISUNDERSTANDING BUT COULDN'T HONOR THE SETTLEMENT STILL. I TRIED TO EXPLAIN TO HER THEY DIDN'T HONOR IT BECAUSE THEY NEVER PULLED IT. I'M THE ONE THAT CALLED IN AFTER I NOTICED IT WAS PULLED ON XX/XX/XXXX AND MADE THEM TAKE IT ON XX/XX/XXXX. THE SYNCHRONY RECOVERY TEAM REP STILL SAID SHE AND HER MANAGER COULDN'T HONOR THE ORIGINAL SETTLEMENT AND TRIED TO OFFER ME A SECOND SETTLEMENT ON THE REMAINING ORIGINAL BALANCE. I SAID NO! BECAUSE THAT'S NOT FAIR. I PAID THE FULL SETTLEMENT AMOUNT AGREED ON, ITS NOT MY FAULT SYNCHRONY DIDN'T PULL THE SECOND ACH PAYMENT AS AGREED!
XX/XX/XXXX, I ALSO CALLED MY MY BANK XXXX BANK & THEY TOO CONFIRMED SYNCHRONY SET UP AN ACH PAYMENT ON XX/XX/XXXX AND INITIATED THAT PAYMENT OF {$400.00}, BUT NEVER DID ATTEMPT TO TAKE THE SECOND PAYMENT OUT ON XX/XX/XXXX FOR {$400.00}.
I AM HIGHLY UPSET AND FEEL THAT I WAS MISLEAD & NO ONE TRIED TO HELP ME! I DID MY DUE DILIGENCE in communicating and following up! I want my settlement honored and I also want them to delete any default, bad debt or negative information from my account FOR ALL THE DISTRESS!!!!!
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To Whom It May Concern : I have disputed a delinquent charge that was originally XXXX XXXX, then XXXX XXXX d/b/a as Pay Pal Credit. I had established an online line of credit in XXXX with XXXX XXXX XXXX, which later became Pay Pal Credit. The line of credit was not a credit card account. I never have a credit card for either bank. From XXXX to XXXX I utilized the line of credit for several purchases that were mostly interest-free as long as the balances were paid in full within usually six months from the date of purchase. When I made the last payment of {$3.00} to Pay Pal Credit on XX/XX/XXXX, I considered it the last payment to close out the account. I did not understand what the {$3.00} represented because I had not, nor would I have charged such a minuscule amount.
During this same period of time, I also used XXXX XXXX as a transfer agent to shield my online cash purchases that were paid from my XXXX XXXX personal account. This did not involve any credit extensions to me, because they were all cash payments taken from my bank account. I never had a problem with the payment being paid to the merchants ever.
However, on XX/XX/XXXX, XXXX I was notified by Pay Pal Credit that effective on XX/XX/XXXX, that the lender of my Pay Pal Credit account would become Synchrony Bank. I did not see this as affecting me because I had sufficiently paid my Pay Pal Credit account in full on XX/XX/XXXX, as I stated above.
That notwithstanding, XXXXSynchrony Banks somehow usurped my online cash XXXX XXXX transfer agency account and charged my closed Pay Pal Credit account in XX/XX/XXXX for 5 separate XXXX rides totaling {$37.00}. See below as appears on a consolidated statement from Pay Pal Credit : XX/XX/XXXX - {$1.00} paid from my bank account, XX/XX/XXXX - {$7.00} XXXX pending, XX/XX/XXXX - {$7.00} XXXX pending, XX/XX/XXXX - {$6.00} XXXX Ride, XX/XX/XXXX - {$5.00} XXXX pending, XX/XX/XXXX - {$9.00} XXXX pending.
The XXXX charges were to be paid through the XXXX XXXX transfer facility that is linked to my XXXX XXXX Bank account. Rather, Synchrony Bank assumed the ownership of XXXX XXXX and proceeded to obscure the two accounts, then adding interest to claim {$190.00}. This amount should have been taken out of my XXXX XXXX XXXX Account. It was not a charge by me because I had closed my line of credit with Pay Pal Credit. Upon taking ownership of XXXX XXXX, Synchrony Bank confounded 6 XXXX charges of {$37.00}, parlayed it into {$190.00}, then sold that amount to a debt buyer, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX has reported this to credit reporting agencies, which is negatively impacting my credit report. I always pay my obligations on time. This was accounting trickery by Synchrony Bank to garner more profits.
I believe this was a deliberately fraudulent act because my XXXX XXXX XXXX account was always funded. If there is more documentation necessary, I will be pleased to provide it.
|
| 01/30/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
I have several store credit cards that were with Synchrony Bank, specifically Amazon Card ending in XXXX, Lowe 's card ending in XXXX and Walmart card ending in XXXX. For the entire I time I held these cards, I opted in, and paid fees for their " credit protector '' service, which provided that should I become unemployed, my minimum monthly payment would be made, and if my unemployment lasted more than 3 months, my entire balance would be forgiven.
On XX/XX/XXXX, I was laid off from my employment from XXXX XXXX. Prior to that date, I had been employed full time for 5 years, and had never been late on any of the above Synchrony Bank issued credit cards. I immediately filed for unemployment, and submitted a claim on all of my cards under their " credit protector '' service. I did not use any of the cards after I became unemployed.
They made one or twXXXX payments on the accounts as agreed.
My unemployment continued for a full 6 months, until I obtained new employment on XX/XX/XXXX. As I was unemployed for over 3 months, the balance on my accounts should have been forgiven in accordance with the terms of the " credit protector '' insurance. I mailed all requested documents to the insurer as requested, twice, but no further payments were ever made by the insurer, and my accounts went into collection status. Every time they called, I informed them of the credit protector insurance claim, but they would not listen to this, and just insisted I make payment. At this point, I became overwhelmed just trying to keep my mortgage paid, and I was unable to address this issue any further, as by this time, Synchrony bank had destroyed my credit, and now the debts have been charged off and sold to outside collectors who continue to harass me seeking payment of debts that were supposed to be forgiven under the terms of the " Credit Protector '' agreement. I have previously provided documentation to the credit protection insurer for Synchrony Bank on two occassions, with no acknowledgement that they ever received them. I also had a CareCredit account with Synchrony Bank which had a {$0.00} balance, which they also closed when they closed the other accounts, even though it was an account in good standing.
I have attached the payment information for my final unemployment payment from the RI Department of Labor and Training, you can see the final payment was made on XX/XX/XXXX for the week ending XX/XX/XXXX and that the remaining balance on my claim at that time was {$0.00} meaning I had exhausted my entire 26 weeks of unemployment as of XX/XX/XXXX, which if you calculate back 26 weeks brings us to approximately XX/XX/XXXX which is approximately 1 week after I became unemployed and was first eligible for unemployment and filed my initial claim with Synchrony Bank 's " Credit Protector '' service I have also included a copy of my separation letter verifying the date I became involuntarily unemployed.
|
| 10/09/2015 |
Yes |
|
|
|
Web |
|
|
1. ) I purchased a guitar on XXXX XXXX, 2015, from Guitar Center. I accepted the company 's offer of 0.0 % interest offered by XXXX XXXX if the credit is paid off within 24 months and all payments are made on time.
2. ) I did my due diligence, went online, and set up automatic withdrawals from my checking account for {$60.00} per month ( this is higher than the minimum amount required ) payable to " hrsaccount '', held by XXXX XXXX.
3. ) I received a monthly email reminding me that my payment would be due on the XXXX of the following month. Payments were deducted and all was well.
4. ) On XXXX XXXX, 2015, I received my latest email reminder reminding me that my account " ending in XXXX '' was due on XXXX XXXX, 2015. This was usual and customary and did not require any additional action on my part, given that I had set up automatic payments already with no problems.
5. ) On XXXX XXXX, 2015 I received a NEW credit card in the mail from Synchrony Bank with a Guitar Center logo on the front. I have never heard of this bank and did not request the card.
6. ) On XXXX XXXX, 2015, immediately after opening my mail with the new credit card in it, I went online to XXXX ( my link to the Guitar Center credit card ), looked up my account, and was informed it could not be found. I was redirected to " XXXX XXXX Financial Corporation '' and read that as of XXXX XXXX - no year listed - my XXXX XXXX balance had been transferred to Synchrony Bank and I had to contact Synchrony to set up my next payment.
7. ) Now, XXXX XXXX, 2015, is four days past my original due date for payment. Note again, that I received an email XXXX XXXX, 2015 that listed my OLD credit card number reminding me to pay ( see item # 4, above ).
8. ) Negative anticipation : I believe that Synchrony Bank will now deem my account delinquent, because the automatic payment has been cancelled by XXXX/Synchrony Bank without my knowledge, consent, or notification, either written or electronic. Again, this is an interest-free account as long as all payments are received on time.
9. ) I am attempting to contact Synchrony Bank again tomorrow ( unable to get a reply today ).
10. ) I am writing to you IMMEDIATELY to make sure that Synchrony Bank does not take advantage of me because of THEIR lapse in notifying me of the above listed changes. I am not sure if this is some sort of intentional " bait and switch '' tactic but it certainly seems possible, given the profit to them and the repercussions to me.
11. ) I have a documented XXXX and Synchrony Bank 's uncorrected error would be a REAL hardship for me financially ; what is NOT a hardship is the fact that, since I 've lost my working hours due to failing health, I have as much time as it takes to make sure I am not taken advantage of by Synchrony Bank. I am positive justice will be served here because anything else is unacceptable to me and would be to anyone in my position.
|
| 07/04/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
LOWES CREDIT CARD BY SYNCHRONY BANK : 1st Issue : I have filed multiple disputes and spoken with agents multiple times concerning being charged interest and not receiving a credit on a stove purchases. I bought 1 stove, was charged 4 times, issued 2 credits. One credit missing of {$900.00}. I was sent a letter stating the error was found and a credit would be issued. The credit never came. I called back to ask for when the credit would be issued, instead I received another letter stating the credit had already been issued.
2nd Issue : All of my purchases are promotional purchases. I pay off the promotion each time. When I have been charged interest, I have paid the promotional portion at that time then a credit of the interest has been applied. I set up my payments to go towards the oldest promotional item to insure they are paid off by the time the promotion ends. In the past I have called and was issued the credit.
Every time I return an item, cancel, or do not receive an item, If I do not call to request the credit, the charge remains on my account until I call to complain. I have found a few representatives that stated I was charged in error or the promotion was not added properly, or my payments were mis-applied, or the credit was documented by not applied.
Their representatives lie. I was supposed to receive a stove in XXXX. They called and said they were on their way. Never showed up. They canceled my order.
I received a scratched washing machine, the delivery person stated I would receive a {$100.00} credit. It was on the receipt he left me but was never issued. I asked for an audit of my credit account listing all of my payments, credits, returns, and cancellations. They wanted me to pull all of the information and fax it to them after the latest representative told me the reason for the interest since XXXX is actually for a promotion that ended in XXXX. The representative I spoke to before that representative stated the interest is from a purchase from XXXX. My purchases are small purchases. I ensure when I make purchases, there is more than enough time to pay off that purchase.
They sent me a survey the other day. I gave them a XXXX on the first question. Then I received a message the survey had expired. It was in my email box only 1 day. I have spent hours on the phone with their customer service and dispute teams without resolution. It should not be this difficult to find their errors. The stores are much better to deal with. They issue the credit on the receipt but I still have to call the credit card company to ask for the credit.
I liked the promotional periods and the military discounts but this scenario has done it for me. I am done!!! Do not give them your time or money. The worst customer service and dispute department ever. How can you record a dispute but are unable to see the information the consumer is referring too. What sense does that make. Done!!!
|
| 12/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I opened a TJX Rewards Platinum MasterCard Account Number Ending in XXXX in XX/XX/XXXX with a purchasing amount of {$53.00}.
I never received monthly statements from the Synchrony Bank. ( Synchrony explained the reason why they sent to a wrong address in detail. I attached their letter ) This bank marked 120 days late payment and charged off the account and sold it to XXXX XXXX XXXX.
XXXX could find my correct address immediately and started to send letters to collect money. I found out the status of this account only after I received the letters from XXXX. Meanwhile, I never received any messages from this bank before they charged off this account.
I started the long, painful way to contact Synchrony Bank to correct the mistake they made. they were very nonresponsive, irresponsible and provided multiple wrong information/direction alone the way. Finally, I got a letter from their Senior Specialist, XXXX XXXX on XX/XX/XXXX after I filed a complaint through CFPB. In the letter, she admitted the mistake they made and promised to try to buy the account back from XXXX and send a request to major credit bureaus to delete any derogatory information reported to this account. However, I never received any update from her that if she did successfully buy my account back from XXXX or any payment statement to let me know the amount I should pay.
I called her back in XX/XX/XXXX at the number she provided to me to follow up after my loan officer notified me that my credit score was only XXXX due to the charge off and late fee which seriously affected the mortgage rate I would pay, resulting a few thousand dollars more each year.
I called XXXX XXXX 12 times and left detailed messages each time to beg her to fix the problem since XX/XX/XXXX. she never answered the phone or returned my calls. I paid off the balance of {$53.00} on XX/XX/XXXX although I never received any update from XXXX XXXX. I do not owe Synchrony Bank any money now.
I was so desperate. I called their customer service again and they provided a P.O box and advised me to write a letter that it was the only way to contact Synchrony Bank regarding my problem. They gave a P. O. box number. I questioned the representative that they gave me the same P.O box number a few months ago previously and it turned out that it was a Gap Card center P.O. box. I did receive a letter from them to state that my Gap Card was in good standing although I made clearly that the letter I wrote was for the TJX card issue. The representative said Gap and TJX share the same P.O. BOX.
I wrote it to the P.O. BOX again. Unfortunately, I received Gap Card response AGAIN even if I made it very clearly that it was for TJX card in details in the letter as if I have dealt with Robot instead of any live person at this bank.
Then, as if a retaliate, my credit score was dropped 6 points with unknown reason after Gap Card reported to major credit bureaus.
|
| 06/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Hi, Yes, we have a temporary financial situation. I made the decision about debts to close credit accounts to go on a long-term customer assistance plan. I talked to a Synchrony representative for over 2 hours. This was for my Amazon, Sams Club, and PayPal cards all with Synchrony. I have a Lowes card with them as well. I chose to keep that card. The representative I spoke with said that I could keep the card open with no changes. We even joked about me getting a new refrigerator in the next couple of years if everything goes ok. They sent me a notification, an online letter, that my account was closed. Of course, they did it based on other accounts. Not the Lowes account that wasn't late. So they lied to me about not closing the account, being able to keep it, no changes, and buying a refrigerator with it in a couple of years. I had a {$17000.00} credit limit. Only {$4500.00} was being used. It was on a promotion that was only {$50.00} a month. The Lowes card has promotions for 84 months for purchases over {$2500.00}. They knew that I wasn't going to use it to buy stuff and just run it up. What would I buy with a Lowes card if I'm having financial trouble? A hammer isn't going to help, and neither is a mailbox. I understand risk management. However, you create estoppel at risk when you promise but don't deliver. The estoppel prevents you from being dishonest about things of this nature.
Synchrony already found an error from 2018 on my Sams Card that resulted in a {$200.00} refund. I wonder why they are auditing that far back? This shows a pattern of errors. On the cards I closed, they are still reporting me negatively to the credit bureau, and it's killing my credit ratio. Since they are closed, it's going to be over 100 %.
On my Amazon account, I'm receiving advertisements for Prime Day with offers of higher rewards and financing from select items. It specifically lists " Your Amazon Prime Credit Account ending in XXXX. '' I also am unable to utilize Amazon 's subscription and save each month for 15 % off bulk purchases of items we buy regularly. You can use any payment for that. However, with the Amazon card, you receive an additional 5 % off. There are also additional promotions throughout the year. Due to them sending this to me, I would like them to reopen the account, and raise the credit limit back up to the {$10000.00}. I don't plan on buying anything but groceries and maybe some small items on Prime Day, but this card is normally paid off each month. I really did not want to close it, but I made that decision. Partly at Synchrony 's nudge. The only one they didn't say anything about was the Lowes card. Then they snuck in and close it.
I'm fine with leaving the PayPal card closed. However, it's still showing up on my company 's XXXXayPal account. This needs to be removed. PayPal is not the only way to access the account. Plus, it does not look good for my business.
|
| 03/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been discharged and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me.
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} XXXX. They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused XXXX same wait 10 years unless a collecter picks it up XXXX.
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years.
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments XXXX how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''.
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( ed ) nothing, never used it. No problem they say..Its still on my report as a bad mark.
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed disabled. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not.
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town.
XXXX what do I really have to do to get something done. These are hurting me.
|
| 03/28/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I am submitting a new complaint against Synchrony Bank with regard to the overbilling by XXXX XXXX XXXX and the difficulties I have experienced again with the dispute process through Synchrony Bank ; in fact, the upload feature on the Synchrony Bank portal does not allow to upload the exact dispute form provided by the same Synchrony Bank and also the fax number provided by Synchrony Bank to fax over the dispute form does not answer despite several attempts during business hours ( see attached documentation ).
I previously submitted a complaint through CFPB against Synchrony Bank with regard to two previous disputes due to overbilling by XXXX XXXX XXXX for order # XXXX ( sale date XX/XX/XXXX ) and for order # XXXX ( sale date XX/XX/XXXX ). Having submitted a dispute via CFPB to Synchrony Bank for the overpayment of {$440.00} ( order # XXXX ) and for the overpayment of {$810.00} ( order # XXXX ), I eventually received a refund check for these overpayments.
Although I requested a refund of all overpaid amounts in these two orders, as of today XXXX XXXX XXXX has not fulfilled my request, and only sent a refund check of the disputed amounts through Synchrony Bank.
You can find below a breakdown listing all the overpaid amounts under both orders : For order # XXXX ( sale date XX/XX/XXXX ), I received a refund of {$810.00} as a result of my dispute with Synchrony Bank.
The XXXX XXXX Total on Customer Order Statement was of {$4300.00}.
My credit card received a credit of {$270.00} ( - {$270.00} ) on XX/XX/XXXX and a credit of {$190.00} ( - {$190.00} ) on XXXX.
However, my credit card was charged {$3900.00} on XX/XX/XXXX and {$810.00} on XXXX ; the amount of {$810.00} was refunded through the dispute. I also used {$40.00} in Promotion Certificate as part of this payment.
Here 's the entire calculation : - Paid : {$3900.00} + {$40.00} = {$4000.00} ; - Credits : {$270.00} + {$190.00} = {$460.00} ; - XXXX XXXXXXXX Total : {$4300.00} ; - Overpaid amount : ( {$4000.00} + {$460.00} ) minus {$4300.00} = {$4400.00} minus {$4300.00} = {$120.00}.
For order # XXXX ( sale date XX/XX/XXXX ), I received a refund of {$440.00} as a result of my dispute with Synchrony Bank.
The XXXX XXXX Total on Customer Order Statement was of {$2000.00}.
My credit card received a credit of {$210.00} ( - {$210.00} ) on XX/XX/XXXX and a credit of {$320.00} ( - {$320.00} ) on XX/XX/XXXX.
However, my credit card was charged {$1300.00} on XX/XX/XXXX, {$670.00} on XX/XX/XXXX and {$440.00} on XX/XX/XXXX ; the amount of {$440.00} was refunded through the dispute. I also used {$80.00} in Promotion Certificate as part of this payment.
Here 's the entire calculation : - Paid : {$1300.00} + {$670.00} + {$80.00} = {$2100.00} ; - Credits : {$210.00} + {$320.00} = {$540.00} ; - XXXX XXXXXXXX Total : {$2000.00} ; - Overpaid amount : ( {$2100.00} + {$540.00} ) minus {$2000.00} = {$2600.00} minus {$2000.00} = {$630.00}.
|
| 03/17/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Card : Synchrony Bank -Home design.
A purchase of XXXX was billed to my account on either XXXX XX/XX/XXXX or XXXX XX/XX/XXXX. Synchrony has told me depending on who I speak with, one of the above dates.
According to them at that time I had signed up for email statements which I never agreed to as we never agreed to this on any account. We have several other accounts and we have never gone with that option.
The email address they used for statements was an account that I had stopped using years ago so I never saw and statements. Direct debit had been set up on 2 other synchrony accounts which were paid off. Due to the fact that I never saw any statements on this account I assumed that the debit was for one of the other accounts but began to realize that this debit had been going on a longer than it should have been for the other paid accounts.
In XXXX of XXXX I called Synchrony and inquired what account and purchase date etc. When they told me it was for a purchase using Synchrony Home design card account of {$4300.00} I was completely in the dark as we have never made a purchase that high unless for a car or a home! I assured them of that and demanded they provide a description of items purchased and they claim they would look into it after I filed a dispute with them.
They stopped taking money out of my during this time. However before receiving any info they began to take the monthly payment again.
I contacted them again and demanded they provide to me again what items were purchased and again no answer. I started another dispute again as I told them unless they can provide to me what merchandise was purchased I would stop payment.
My guess was this purchase was fraudulent for reasons above.
I have some questions that I need answers to.
1. Why when we had cancelled the Home synchrony account before this purchase was it reopened.
2. The alleged purchase was promotional and if so why were we hit with a penalty and subsequent interest for not paying the promo on time. Accounts like this when using direct payments set up at purchase time to complete by promo expiration date? This would have been satisfied years ago. We have paid to date more then the amount of the purchase X 2. on a purchase we never made.
3. Why did it take a year after asking multiple times with fraud department by phone and letters to receive a letter from you that the purchase could not be verified? Your most recent letter reads " unfortunately we are unable to provide you with the specific information requested, as it is no longer available.
4. During the last year Synchrony began taking direct payments before me receiving results from of disputes?
5. How do you expect me to continue paying on a purchase we never made on items Synchrony can't seem to find?
I have suspended direct payments until I receive a copy of signed receipt and a description of the items purchased on that date.
|
| 05/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I have had a 'medical ' credit card account with Synchrony Bank for years. To my knowledge, I had never missed a payment towards my bill.
In XX/XX/2021 I added a 'new payment method ' to my account with Synchrony Bank ( medical credit card ). This payment method was my XXXX Checking Acct '. I did this so that my payments towards this credit card would be taken out of my XXXX since the credit card is specifically for medical billing and my HSA is for medical, as well.
After setting up the payment info electronically, when it was time for my regular monthly payment to be taken out of my XXXX, 2 payments did not go through. I contacted Synchrony and learned that 'something was wrong ' with the account number with the XXXX Checking account that I added to my Synchrony account as a 'payment method '. Synchrony told me my account was okay and that I did not need to worry about making any payments until my next bill.
I contacted my credit union and learned that due to security reasons, my HSA Account number reflected on my XXXX XXXX Statement was missing 'certain numbers '. As a result, that's why the payment transfer did not go through successfully ( I didn't have ALL of the account number when I set up the transfer ). I was not aware of this security protocol when I set-up the transfer between XXXX and Synchrony.
In XX/XX/2021, I abruptly learned that my Synchrony Bank credit card was closed. The credit card company never called and informed me that there was something wrong with my account and that my account was at risk for closure. So, I called Synchrony Bank and spoke to a Supervisor. The Supervisor informed me the reason for my account closure was due to 2 missed payments in XXXX. I informed the supervisor what happened regarding the mishap ( account number ) between my XXXX and Synchrony. I informed her that I spoke directly to Synchrony 's Call Center when this mishap occurred and they ( the agent over the phone ) told me there was no problem and I did not need to make a payment until the next time by bill was due. The supervisor responded and said 'Synchrony Bank has the right to close accounts whenever they want '. She ignored the fact that their agent lied to me and never told me my account was at risk for closure.
I asked the Supervisor for the phone number to a person above her and she reported there was no number, that the only way for me to reach someone else would be to write a letter. I reiterated that 'no number ' was available for another supervisor, and she reported 'no '.
Since this incident occurred, I no longer have a medical credit card to help me with the burden of medical expenses. As I mentioned already, my credit is in great shape and I had never missed a payment. I feel Synchrony Bank needs to be investigated and as a consumer I did everything that I was told to do by their agent, however ; my account was closed and my concerns were ignored.
|
| 02/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
We have filed a complaint as per Complaint ID # XXXX about a charge on my account by my wife who is my authorized user but the company Care Credit who issued her an extension card, does not recognize her as an authorized representative. If they say she is not an authorized representative then why did they charge my account?
My credit will be affected by this issue so I am filing the dispute in my name.
On XX/XX/XXXX, the XXXX clinic of XXXX XXXX applied for a {$4200.00} installment payment plan for my wife on my Care Credit Account, for a XXXX XXXX XXXX made of XXXX XXXX and XXXX XXXX XXXX Care Credit approved the installment plan for 18 months. However the XXXX clinic processed the charge before they made the XXXX. I received the first bill due on XX/XX/XXXX. I was confused why it is billed already and start the installment payment, when the XXXX is not yet made and received by my wife.
After my wife 's couple of appointments in XX/XX/XXXX, she did not hear from the XXXX clinic for her next appointment and then the XXXX pandemic shutdown happened. While waiting in good faith, we paid the installments due. When my wife did not hear from the XXXX clinic we contacted Care credit on XX/XX/XXXX to chargeback the {$4200.00} because we are afraid the clinic will not fulfill to deliver the XXXXXXXX Care Credit advised to contact the clinic and work with them which my wife did. We contacted the XXXX clinic on their website on XX/XX/XXXX and they called back to schedule my wife 's next appointment. Care Credit investigated and closed the dispute after they accepted the information on the XXXX clinic 's XX/XX/XXXX letter that the XXXX is already completed when it is not. My wife gave the clinic a second chance and worked with them from XX/XX/XXXX to XX/XX/XXXX, for a total of more than 8 months since the XX/XX/XXXX charge.
In the end, the XXXX clinic failed to deliver according to specifications. They did not deliver a XXXX XXXX XXXX made of XXXX XXXX and XXXX XXXX, but a defective XXXX that falls off. The last XXXX practitioner who assisted my wife on XX/XX/XXXX already gave up to make it fit and advised her to comeback on XX/XX/XXXX so XXXX XXXX XXXX is present so he can decide for a refund or for any other arrangement. My wife lost confidence on this XXXX clinic, she asked for a refund on XX/XX/XXXX. They told her they will coordinate with Care Credit but as of XX/XX/XXXX I still have that charge on my account.
On top of this pandemic, this dispute is a great burden to me which sickens me day in and day out. Please help me have the {$4200.00} charged back from my account because the XXXX was defective and not delivered as specified. We have acted in good faith and it is not fair that the credit card company and merchant will profit from us when we did not get what we are charged for. This wrong practice should be corrected so no one else will suffer from this dilemma.
|
| 07/09/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
My Paypal Credit account went past due in or around XXXX or XXXX of this year. After receiving multiple calls. I received a message that my account would be sent to collections. I do not know if this was an in-house collections or if it was sent to another company, I didn't keep track because I assumed they would honor their agreements. I returned the call where I was offered a payment agreement that stated in exchange for me scheduling my next three payments of {$270.00} with them over the phone I would be allowed to continue use of my account during the three months the payments were made even if my account showed past due, I would no longer receive collections calls, my account would not be reported to as past due to credit bureaus and my account would be reset/re-aged at the end of the three payments. The first two payments completed successfully and I was able to continue use of my account during those two months. Sometime after the second payment I started receiving collections calls again, roughly about XXXX of this year. I returned their call at XXXX and explained that I had a payment agreement and was told that servicing of Paypal Credit changed companies and that they didn't have all payment agreement information, they were investigating due to multiple calls, and that they would honor the previous agreement and my account would be re-aged 48 hours after my last scheduled payment in the agreement. Soon after my payment posted but the account was never re-aged. I called again and was told they misspoke, the department that does that is not open on the weekends and it would be reset after 48 business hours. I called again after this period of time and was told again they must have misspoke, I needed to call a second number because they set up the agreement. I called that number twice and both times I was transferred 2 to 3 times before finally being transferred to a number where I received a recording that stated this number was no longer in service. I called XXXX again and was told that they would set up a complaint for investigation. I finally called back today and was told my payment agreement never existed and they will not be re-aging my account. I would like to point out that now my account shows three months past due rather than the original one or two and my account is still in past due status. Exactly why would I set up a payment agreement that despite making payments every month allowed my account to fall further past due than it originally was? Now they want me to pay an over {$800.00} minimum payment to bring my account current which should not be the case, I can not afford, and if I could afford it my account would have never went into a past due status to begin with and they are now refusing to assist. Additionally, I believe that the original collections call, either in - house or with a different company, may have even recorded the conversation with me.
|
| 08/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
Care Credit, a credit card for medical and veterinary services, issued through Synchrony Bank, had required an auto-draft to make monthly payments. However, in XXXX and XXXX I was struggling with having had a series of unauthorized charges to my bank account, so i was trying to segregate my bank account from auto-drafts to prevent my having to cancel and replace debit cards and because auto-drafts to my primary checking account compromised my ability to control and manage my payments. I also had a crisis in early XXXX that depleted my funds and was in the process of funding my account, but also blocking any further auto drafts directly from my primary checking. On or about XXXX XXXX, I got a call from Care Credit about my late payment from XXXX, which I was not aware of. They rep tried to compel me to pay at that moment, but I explained that I could not. She asked if they could autodraft my account, and I said, " No, '' because I was funding a different method to use. About five days later, CareCredit auto-drafted my primary checking account anyway, which resulted in being rejected because of insufficient funds. Two days later, I paid my bill, but by that time, CareCredit/Synchrony had closed my account. In discussing the problem with the agent today ( XXXX XXXX ), she again explained they'd be auto-drafting my account on XXXX XXXX, but I told them not to, because I have set up another account for that purpose. Because they've closed my account ( not having been late other than the XXXX payment ), I am not able to manage changing payment accounts. First, a closed credit account hurts my credit. Second, CareCredit failed to appreciate my situation and ignored the fact that I was changing the accounts used for auto-drafts. Third, CareCredit drafted my account after I expressly told them not to. Then, despite my efforts and disclosures, they closed my account. I am concerned they will continue to auto-draft my account, and I am concerned about the damaging effect having a closed credit account will have on my credit. I would prefer CareCredit reopen my account and allow me to either make a payment in response to an alert, or designate a different account to auto-draft. This practice by these merchants and creditors to draft my money without my knowledge or authorization has truly gotten out of hand, and preventing me from having greater control over my funds, and allowing me to pay when I know I have money. My priorities and the inflation during these past couple of years have created limitations on me, and I simply must be able to pay my bills when I have funds, which typically is the second Wednesday of the month, and fortunately now, may be at least three weeks of the month due to new income. That said, the strong arming by this and other merchants these days is downright oppressive, and I intend to seek attention on this problem with my congressional and senate delegation.
|
| 08/26/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
While I XXXX and was restricted of movement and communication in the in the rapid-changing covid 19 environment we have all been subject to, Synchrony Bank insisted in using ; 1. predatory lending techniques ( I will explain below ) 2. after they approved the credit they decided to revoke the credit granted on the basis that I " did't have solvency '' according to the XXXX Credit Report letter dated XX/XX/XXXX 3. This action of reducing the credit cards original balance of {$3500.00} to specifically the amount owed of {$660.00} dramatically affected my credit score ( SCRA ART 518 SEC 2.A ) and other credit card accounts from Synchrony Bank and other account that where not from Synchrony Bank as well.
4. I contacted them as soon as I could on XXXX to let them know that plans had changed, I was told I would be quarantining with my phone for two weeks prior to starting bootcamp but the protocol changed and I was not going to be able to make payments until I graduated from bootcamp and there is evidence because they sent me a letter to enroll me in SCRA benefits dated XX/XX/XXXX as evidence of that call.
Once I graduated on, XX/XX/XXXX, I called and the teller for Synchrony Bank told me it was ok, that my accounts would not be closed if I made payments of specific quantities. Which I did. I actually payed in full the XXXX Mastercard credit card ( {$620.00} ) and made other big quantity payments to other of the Synchrony Bank credit cards, ( {$2000.00} for XXXX MasterCard on XX/XX/XXXX ) because this would prevent them from closing my accounts. However my account were still closed and my credit score plummeted 123pts because of this. ( ART 518 SEC 3 ) While I would have remorse if this happened and I was not XXXX the fact is I was. If I had not XXXX this would not have happened. Does this bank understand that? I am a responsible person. I XXXX in 2 months from swearing in to serve my country and I had to make a lot of adjustments in my civilian life in order to serve, I can not believe the circumstances by which it happened. I wrote, sent faxes and personally called the three ( 3 ) customer service departments for each credit card company and they acted like they didn't care, like they deal with this in a regular basis, were they just close customers credit accounts without previous announcement. I wasn't home to receive any of the letters. I didn't have access to any type of communication and to put the cherry on top they just told me I could just re-apply for credit. ( ART 518 SEC 2 C ) Like re-applying for credit won't affect my credit score even more.
Would anyone who encounters such cruel treatment of a service member ever re-apply to for service in a place where they where served so badly in the first place?
I read through the SCRA and found several articles to apply to my specific situation. ( ART 523 SEC A, B, B1 ) I have evidence to prove every statement made.
|
| 09/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
There seems to be a practice among credit card grantors specifically Synchrony Bank and XXXX XXXX in which they appear to be reviewing customers accounts and if their credit score is lower than when they first got approved, the Banks are just closing customers ' accounts and saying it is due to a report received from the credit bureau as if the customer 's credit is bad. I believe this practice is unfair especially if the customer 's account is in good standing with the credit bureaus! like mine! Within the last 120 days this happen to me twice. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2021 and just recently Synchrony/Old Navy XX/XX/2021. I just happen to get a credit alert from XXXX XXXX today XX/XX/2021 that my account with Synchrony/Old Navy was closed. I got one on XXXX around XX/XX/2021. When I called to inquire as to why ( same with XXXX ) they refuse to reopen my account. Both of my accounts were in good standing! I have a 15 page document detailing my interaction with XXXX that I have been dying to share online. With Synchrony, I wasn't about to go through what I went through with XXXX. I simply told them I am going to file a complaint and sue them. I'm waiting on the same letter XXXX sent me which I received in the mail 3 weeks after my account was closed, ( See attached Letter and that information was not even correct with what the credit bureaus actually had ) telling me basically after doing a review of my account I was no longer credit worthy! Synchrony is going to be sending me, I guarantee you the same bureaucratic letter that XXXX sent me. There was no warning nor notification from XXXX nor Synchrony prior to closing my accounts. Creditors closing my account like this is affecting my credit and has caused my score to drop and they don't seem to care. THIS HAS TO STOP. Unlike the issue I had with XXXX XXXX XXXXXXXX XXXX XXXX card XXXX I wasn't in an actual store making a purchase. I was about to go to the store and make a purchase but then I got the alert about my account being closed. Again, I didn't have another card available at the time to use. They can't just do this to customers. This will affect my ability to purchase a house and car which I was preparing to do within the next 45-60 days! Creditors closing my accounts looks like I did something wrong or that I am a credit risk! and I am not! If this has happened to anyone else, please report it and if you reported it before and nothing was done, report it again. This practice must stop! We must file a class action suit against these banks. These banks are the grantor of almost all the credit cards that are issued in the credit card industry. Go to these links and you will be shocked how many companies issue their credit cards through Synchrony and XXXX ; https : XXXX XXXX XXXX XXXX and https : //www.mysynchrony.com/XXXX XXXXXXXX XXXX XXXX ; And this is how they treat their customers? It shouldn't be.
|
| 12/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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|
On XX/XX/2020 I incurred a vet bill in 2 separate amounts. {$480.00} and XXXX. I signed up for a 12 month interest free promotional offer. This is XX/XX/2020 and the balances on these two charges are XXXX and XXXX. Its been 6 months and the balances have only gone down by minuscule amounts. I have paid way over the minimum amount every month. Now here is the main problem I am having. On XX/XX/2020 my pet had to have XX/XX/XXXX XXXX and I incurred a rarely large bill that is a fixed interest agreement. The minimum payment is supposed to cover this bill as well as the interest every month. For example. I made 2 payments in XX/XX/2020. One for {$250.00} and another for {$25.00}. A total of {$270.00}. {$31.00} was applied to the XXXX interest free promotional balance. Nothing was applied to the XXXX promotional balance. {$240.00} was applied to the fixed interest rate balance. I have been requesting payment allocations every month since the beginning of XXXX when I realized that they were manipulating my payments in a manner that would leave me paying interest on these interest free promotional balances. This is unethical and probably illegal. Despite my frequent requests they are not allocating my payments per my requests. I had another interest free promotional balance that has since been paid in full but it required multiple contacts with multiple people to finally be paid off before the end of that promotional offer. My complaint is they are applying my payments to the fixed interest account and ignoring the interest free balances. If you sign up for a 12 month interest free promotional offer you expect that a payment would be applied every month in order to be paid in full at the end of that 12 months. Syncrony is not following that logic. They went so far as to change my auto pay amount without my permission. Since they have refused to allocate my payments as requested I was making additional payments to get these balances down so I would avoid interest charges at the end of the 12 months. They subtracted my extra payment from my auto pay. Unbelievable right? For example. My auto pay is {$250.00} month. I made an extra {$25.00} payment and they reduced my autopay to {$220.00}. I will never have these promotional balances paid off by the end of the 12 months if they keep manipulating my payments in a manner that benefits them and not the consumer. I have documented request for payment allocations dated XX/XX/2020 thru XX/XX/2020. I have had other conversations with representatives before XX/XX/2020 but not documented proof. They claim it takes 2 billing cycles to allocate my payments as requested. Its been 4 months since I started this crusade to get my payments allocated the way they should have been done from day # 1. The last few documents are not as clear. My ink is running low but you can see I have tried to resolve the issue with Syncrony but have failed miserably.
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| 03/14/2016 |
Yes |
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Web |
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SUMMARY : I signed up for an Amazon card late last year which reflects charges I do n't recall making. I received XXXX email letting me know I was past due in XXXX and XXXX paper invoices ( XXXX and XXXX in XXXX of XXXX ), but neither of the notices listed the line items for the charges. I now have a collections agency after me and despite my multiple attempts to find out what the charges are for, I can not get an answer.
BACKGROUND : In XXXX of XXXX, I received my first email from Amazon.com telling me my card is past due. I attempted to log into my account to understand what those charges are. I successfully logged into my Amazon.com account, but the Amazon Credit Card required a separate log which I do not have, nor did I ever have XXXX. I then attempted to log in through the " I forgot my user name '' and then " I forgot my password '' and could not get in.
On XXXX XXXX, I called the Amazon Credit Card / Synchrony bank and managed to get my account number. While on the phone, I requested information on the charges. I had my address, SSN and any security information, but they told me they could not see what the charges were for.
I then attempted to log into my account again, I entered my credit card number and it came back to me with, " card not registered ''.
I received XXXX paper invoice in the mail while I was out of town a few weeks ago. Today, I received a second invoice and notice from a collection agency for my Amazon Credit Card.
I called the collection agency, they transferred me around a few times and I finally made it to a manager. I spoke with " XXXX XXXX '' XXXX XXXX/XXXX/XXXX ) at XXXX XXXX about the collection notice. Explained I made several attempts to understand what the charges are for and I still do not have an answer. Therefore, it is difficult for me to send anyone any money unless I know the charges belong to me. She said she would " request for a letter '' to find out what those charges are for, but I had to pay her {$25.00} in order to remove the " delinquent '' status on my account. I explained I am not willing to pay any money until I know what the charges are. She told me to call customer service at Synchrony.
I called Synchrony, entered my credit card number and last XXXX digits on my Social Security Number. I made it to a representative, explained the situation and they said they " have limited access and I would have to call customer service ''. When I got off the phone I realized the number the collector and Synchrony gave me were XXXX and the same.
If I did make the charge and I can not recall, I am more than happy to pay for the items, but I find it difficult to pay for something I do n't even know if it belongs to me and it is impossible for me to find out.
I can use your assistance in finding out what the purchases were for and if they do belong to me.
Thank you.
Kind regards, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX XXXX
|
| 08/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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|
Web |
Servicemember |
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I received a notification on XX/XX/18 from XXXX XXXX, of which I am a member, advising that my Account through XXXX XXXXWalmart Credit Card had been reduced by {$4500.00} and because of this my credit score was adversely affected.
I immediately called Synchrony to inquire. I was advised by a Representative that my account was in arrears. I advised I had made two payments in XX/XX/2018, the 2nd payment was to go toward the XX/XX/XXXX statement. The Rep. advised that my payment of {$50.00} was {$3.00} short of the Minimum payment. I apologized and said I would make the payment, I was told that I now was responsible for a payment of {$130.00} which included late fees and insurance. This is the first time I had a late payment and was upset about the late fees which seemed ridiculous. I asked to speak with a supervisor and the young woman I was speaking to forwarded my call to the Collections Department unbeknownst to me. The man I spoke with just kept repeating over and over that he was attempting to collect a debt and that I needed to make payment immediately.
I made the payment while he was talking and advised him of same. I told him, thinking he was a Supervisor, I wanted to discuss the reduction in my credit limit and the report to the bureau advising I was at 97 % of my credit limit. He just kept repeating that a letter had gone out to me and he was not at liberty to discuss anything about that. I asked to speak to his Supervisor and was advised no one was available to speak to me. I was told again I would be getting a letter in approximately 10 days.
Due to this unfortunate turn of events, my credit has suffered greatly, I attempted to apply for another card on XX/XX/18 and am currently waiting for XXXX XXXX to respond, my plan is to pay off XXXX XXXX and close my Walmart Account. My credit score went from being good in the mid to high 720 's and it is now at XXXX, which is considered fair. I feel that Synchrony is using the fact that I have recently retired to reduce my line, even though my spouse and I are still making in the 50K range. I was not called, written to or given any chance to discuss anything.
Previously, in XXXX of 2018, I attempted to make a {$42.00} purchase from Walmart, the request for purchase would not go through and I called the number on my card to inquire. I was told at that time, that I needed to update my address on my account. I advised I had done that months ago when I moved. When I went onto the website to look at the address, a question popped up in the middle of my screen asking what my yearly income was. I responded to the question and was still unable to use the card. I purchased the item using my Paypal account. I contacted synchrony again and was told by the Rep. that the reason the purchase did not go through was that I tried to submit it more than once. There was no mention at that time of a reduction in the credit limit.
|
| 03/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been discharged and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me.
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} ). They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused ( same wait 10 years unless a collecter picks it up ).
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years.
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments ( how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''.
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( XXXX ) nothing, never used it. No problem they say..Its still on my report as a bad mark.
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed XXXX. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not.
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town.
XXXX what do I really have to do to get something done. These are hurting me.
|
| 07/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
Older American |
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In XX/XX/2023 I applied for and received a PayPal Credit Card serviced by Synchrony Bank. This card was tied to my PayPal account. I did not receive a statement after two months use but I did receive a notification from Pay Pal that the account was in arrears. I was confused by this but assumed that there was a processing problem. I immediately debited my checking account and completely paid off the total balance on XX/XX/2023. After doing so I received notification from PayPal that a payment was made and my balance was {$0.00}.
I also contacted PayPal to report my difficulty receiving timely statements and was told to contact the Synchrony Bank about that issue. When I contacted Synchrony Bank I was told to establish a direct debit from my checking account. The customer service representative also said that interest charges and fees would be reimbursed to my account. I provided my checking account information to Synchrony Bank and assumed that the issues were resolved.
In late XXXX I had again not received statements but was surprised that I got a notification from PayPal that my account was overdue. I had assumed that the direct debit if my checking account to pay balances was in place so I was surprised. I contacted Synchrony Bank and was told that direct debit of my checking account ( auto pay ) was not in place, and that I had a large overdue balance as well as fees and interest due. This time I asked for a review of my statements which.to my knowledge I never received. I was told to look for the statements in my Spam/Junk mail. When I did that I was surprised to find that, indeed, the statements were in the JUNK file because they were identified as service @ paypal. After reviewing the charges, which were accurate, I told Synchrony Bank that I wanted to terminate my card. After several conversations with customer service agents, and several dropped conversations, I was finally told that I could not close the account until I paid the outstanding balance, including the interest and fees from BOTH episodes. At this point I simply wanted to end my relationship with this bank and paid the balance in full. After the payment was cleared, I called to cancel the card and was told that in addition to the late fees and interest I would also forfeit my cash-back account in the amount of {$130.00}. So this experience cost me {$80.00} in late fees + {$88.00} in interest charges + {$130.00} forfeited from the cash-back account. {$270.00} in total. This after being told on three occasions that the fees and interest would be credited to me because of the mix-up.
I cant help but believe that this pattern of behavior is deliberate on the part of Synchrony Bank and the Pay Pal Credit Card. I can also assume that this response from the Synchrony Bank and Pay Pal have adversely affected my Credit Score.
This organization needs to be held accountable for this despicable behavior.
|
| 07/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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This Credit concern is a Personal Line of Credit, first established c/o PAYPAL and in apx. past five-years managed by Synchrony Bank, XXXX CT.
Yesterday, XXXX, PayPal website prompted placing a Telephone Call @ XXXX ; Updating of Addresses and Contact Information has been a task for recent-weeks, PayPal includes a separate hyperlink-access to a portion of what is Synchrony Bank settings.
First attempt had a general vagary ahead of any initial-progress ; presenting a telephone on file provided to access account, followed by last four digits for Social Security number preceded what appeared an altered-read of something similar to the US Patriot Act and, then starting the process, a telephone number associated w/ the account was asked for again.
Providing both Landline and Smartphone numbers assuming this to have been updating procedures, once provided smartphone, the male on the recorded line rapidly ushers in a requirement that a 5-second video be submitted to Synchrony Bank prepared hyperlink to be submitted only to SMS Text Message, showing the equivalent of a photo ID Protesting this demand, Synchrony Bank states this being the only manner to update Address on File. Deemed atrocious, the call ends on my own accord.
Another call is then placed to the same telephone number after searching 'XXXX ', finding a handle for Synchrony Bank offering assistance, yet not being Official, Registered, or connected to this Lender/Credit Provider. Account has near to 10 years of visibility on this particular public-website.
Connecting w/ another Customer Service agent, clarification was demanded for this invasive and/or predatory practice of generating digital similarities and submitting said digital content, previous conversation having disallowed any other option in order to properly maintain known addresses.
When asked the legality of such a requirement, this process was flatly proclaimed as being legal. Pressed further for what Statute it is attached to this Company Practice,
Synchrony Bank fumbled an attempted response, becoming evasive, terse and halting progress by turning the matter upon my own initiative - labeling my nature as problematic, uncooperative and refusing to abide by their rigid demand.
Asked what would occur should another 15 year account holder have the same wish for accuracy yet not have a smartphone want to update records, a 'Fraud Reporting ' postal-mail address was recommended.
Re-iterating there not being a Fraud issue, Synchrony Bank condescendingly asks if they may continue w/ providing this Mailing Address for a copy of a State Issued ID be mailed. When asked if this is a XXXX CT Address, caller hesitates again. The call is declared over, again by my own accord just after a brief synopsis of how this contact w/ Synchrony Bank has altered confidence in their lending practices and that there exists a channel with the FTC for such occurrences.
|
| 03/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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|
XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been discharged and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me.
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} ). They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused ( same wait 10 years unless a collecter picks it up ).
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years.
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments ( how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''.
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( XXXX ) nothing, never used it. No problem they say..Its still on my report as a bad mark.
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed XXXX. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not.
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town.
XXXX what do I really have to do to get something done. These are hurting me.
|
| 11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA.
I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX XXXX XXXX XXXX XXXX.
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine.
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law.
The first challenges went out on XX/XX/2018 to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX XXXX with a balance of {$430.00} and XXXX XXXX for {$680.00}.
I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report.
They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires.
The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires.
The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XX/XX/XXXX-XX/XX/2018.
Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA.
I too requested Validation they have yet to prove it.
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 06/07/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
Re : Fraud/stolen identity To whom it may concern, I am addressing above since there are several companies to which I must address this issue to : My name is XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
I would like to say that I have never requested nor have given authorization for anyone to request or act on my behalf in requesting any form of credit cards or loans or anything of this nature.
I had a roommate for many years. His name was XXXX XXXX. Since, I am homebound he took care of all household issues and my affairs. I am elderly and get confused easily, and so he had access to all of my personal information. He never gave me a reason to doubt his sincerity. He would go to the bank for me, did the household shopping, take me to XXXX . Appointments and handle the mail and bills.
I have my own separate bank accounts. He had his.
However, XXXX XXXX passed away at home on XX/XX/XXXX. It was a great shock to me and has saddened me tremendously It was at this time that I started to get my own mail and making arrangements to get assistance from friends and family.
To my surprise I started getting bills from different credit card companies in my name.
I was so confused and did not understand, I reached out to my friend, XXXX XXXX, who has been guiding me. It was she who discovered that there are approximately 5 ( as of XX/XX/XXXX ) that I know of credit cards with outstanding balances.
Most recent I received new credit cards showing my name with a second card showing his name.
In the more than 40 years that I intrusted him I would have never imagined him doing this.
I humbly request all accounts to be closed. Since these were fraudulently opened without my knowledge nor consent.
XXXX : ( an:XXXX ) XX/XX/XXXX Spoke to Mr. XXXX advised of the ID theft. He advised to complete and return a fraud form which he mailed.
XX/XX/XXXX returned fraud form.
XX/XX/XXXX called for status since nothing was received. Spoke to Ms. XXXX who advised that allegation was denied. I advised her that documentation was sent to which she said was not received. She said to fax them the documentation. Severl attempts were made, and their fax machine was not accepting infor. So, it was mailed with tracking number : XXXX. Which was received on XX/XX/XXXX at XXXX At the end of XX/XX/XXXX a letter was received dated XX/XX/XXXX advising that they are not approving the fraud allegation request since according to them 1 ) customer benefited from use of card/participated in the purchases 2 ) customer released account information to a third party.
This is ID theft, permission nor authorization was never given at anytime to obtain this nor any other credit cards.
I do not know what was done/transacted with this and all the other accounts that were opened in my name. I surely did not benefit from anything.
This was done without knowledge nor consent.
|
| 03/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XX/XX/XXXX or around thereafter I asked the company to please remove the account from my credit report as it has been XXXX and it will help my credit to have it removed. It is in the amount of {$450.00}. The company then told me I have to wait 10 years for it to fall off unless they pass it on to a debt collection agency. I had spoke with them about me having problems paying the bill because I just got out of the hospital and I am not going to be able to return to work. They still refused to work with me.
XX/XX/XXXX or around thereafter I called the debtor to explain that I just got out of the hospital and I was not going to be able to return to work and asked if there was anything or anyone that could help me pay my bill. They stated there was not it was not their problem and had I taken the insurance for if i couldnt pay my bill due to unability to work then the bill might have been taken care of ( bill in the amount of {$550.00} ). They did charge it off, I called them back and asked them if they could now remove it from my credit report and they refused ( same wait 10 years unless a collecter picks it up ).
I found out in XXXX sometime that a tv service that i shopped with cancelled my card but never gave me a reason. I didnt owe them a dime so I asked if they could remove this mark from my credit report since it wasnt a bad remark. They like everyone else told me the same story wait 10 years.
Around XX/XX/XXXX I contacted a credit card company about a balance I had on a card in the amount of {$400.00} and something. I explained to them that I just got out of the hospital and I was not able to return back to work could they assist me in finding help to pay off my bill? No ma'am I'm sorry we can not. You will just have to make payments XXXX how could i do that with no money ). Then I found out they discharged my account so I tried through them at the " top of the ladder '' per se to see if they would remove the bad remark from my report, again " ma'am please wait 10 years unless a debt collecter picks it up ''.
In XXXX I opened an account with a card company and when I recieved the paperwork for the card and saw the interest rate I called them and told them to please cancel my card. I owe ( XXXX ) nothing, never used it. No problem they say..Its still on my report as a bad mark.
In XXXX I believe I filed for a discharge on my loans for school because I was not able to go back, nor pay them back. I was deemed XXXX. I was approved. They are still on my report and still being told I have to wait for them to fall off. One says its a medical bill but its not.
Last but not least there is an address on my report that I have tried and tried to get removed as I have never lived there. It is still there. That is not me and I have never left this town. Nor would I ever live in that town.
XXXX what do I really have to do to get something done. These are hurting me.
|
| 02/02/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
We recently tried to move {$30000.00} of our college savings for my daughter to Synchrony Bank, but have found Synchrony to be very unfair and deceptive in their process. After a month, they have yet to open the account or begin paying interest. I have called them several times and continue to get different excuses each time I call. One person ( XXXX ) suggested in his message that we endorsed the check wrong. ( But when we call him back during his supposed work hours, he never answers the phone and he never returns our call. ) Another said the system had timed out and I needed to start the process over. And a third suggested that maybe it was because my daughter did n't have a credit history. ( I tried to apply before she turned XXXX, but Synchrony descriminated against minors and refused to allow us to apply. ) I 've tried to call Synchrony at least 10 times and they rarely return my calls and when they do, they call when we 're at work so they do n't have to talk to us.
This all started when I started the application on XXXX XXXX, 2016. At the end of the process, Synchrony 's system responded " Thank you for your interest in opening a Synchrony Bank account. We 're working on your application. If we need additional information, we 'll contact you within 3 business days. If you have any questions please call us at XXXX. Account opening ID : XXXX. '' Having heard no concerns after 3 days, we withdrew the money from our credit union and mailed it to Synchrony ( so it was a bank check, not a personal check ). Since that time, they have n't opened the account and wo n't give us a straight answer as to why or what they need to resolve the problem. I 've tried to escalate to a member of management, but they do everything possible to not escalate. They are very resistant and will only give in after the customer gets angry. When I finally got the call escalated to XXXX, I thought maybe I was getting somewhere. But then she did n't return my call either and was careful not to provide her full name or phone number.
They are also abusing the process by keeping our check and not returning it so that we can go to a different Bank that really wants our business. We 've lost nearly a month 's interest, not to mention the time for all of these calls and now this complaint just to try to get our money back.
Last week, I left XXXX yet another voice mail sharing my expectation that the funds were back in my hands by the end of the week. I received neither a response nor the check. When I called today, they insisted that I explain the whole thing over again. I had to again get angry to get the call escalated, but then XXXX response was more excuses and to blame me for not calling the right area of the bank.
This is probably the worst service I 've ever received from a bank. Please help me get my money back from Synchony and stop them from abusing other customers this way!
|
| 02/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
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|
In XXXX of XXXX I applied for and received an XXXX XXXX issued through Synchrony Bank. The rewards terms are fairly simple. Earn 3 points per {$1.00} spent on the first {$1000.00} of all XXXX purchases in a calendar year. After the {$1000.00} is met I was to earn 5 points for each dollar spent at XXXX each calendar year. Any other purchases off of XXXX earned either one point or two points for each dollar spent depending on where the purchase was made.
There is only one condition to XXXX purchases and that is that XXXX purchases from international sellers only earn one point per dollar spent. The terms further make no mention of any restriction on points earned on payments made to XXXX for XXXX seller fees.
Initially I phoned Synchrony bank starting the middle of XXXX. Each time I asked to speak to a supervisor. Each time I called, the supervisor agreed the points were being calculated wrong. I asked to speak to the rewards department but was refused each time. I then asked for a full audit of my rewards points. I was refused. Instead I was sent a vague form letter stating " we would like to help so please phone us '' I would phone but was told the same thing again. That the calculation looks wrong but you can not speak to the rewards department. I called again and this time I was told that my charges were from Paypal so the paypal charges do not qualify for the rewards program. Finally on XX/XX/XXXX I filed a BBB complaint. In response to this Synchrony bank sent the BBB a copy of the wrong terms for a different program called " XXXX XXXX rewards loyalty program. '' Sure these terms would have supported their position ( paypal charges do not qualify ) but it was not the terms I signed up for. The BBB closed my complaint as resolved. Paypal is merely the processing bank for all of XXXX charges. In XXXX of XXXX I filed a complaint with the Florida Attorney General 's office. XXXX XXXX XXXX from the bank responded to this saying that yes the agents had calculated my points based on the wrong program. But now there is new excuse. This being that many of my charges are from international sellers on XXXX and those purchases only qualify for one point not 5 points per dollar spent.
Since I knew of no international purchases made I called XXXX and asked. XXXX audited my account and found no international purchases made on my account. See letter from XXXX attached. I sent XXXX XXXX a copy of the XXXX letter on XX/XX/XXXX. I have never heard back from XXXX XXXX or Synchrony bank. Further XXXX XXXX states that I can only earn one point for each dollar spent on XXXX seller fees. Although XXXX XXXX would like this to be the case there is no such restriction in the terms of the XXXX rewards program.
I have enclosed a copy of my audit of all XXXX purchases and missing points. I have also enclosed a copy of the XXXX letter.
Account : XXXX mastercard ending in XXXX.
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records
by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a co
nsumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
313.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most non affiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
|
| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have 4 accounts with XXXX XXXX. 100 % pay history. I was wrongfully terminated which unemployment found to be in my favor. The day I lost my job XXXX contacted all of my financial institutions and requested removal of all ach and automatic payments to manage more hands on. No accounts were past due at this point. It's been a nightmare since. I set up pay plan w>the XXXX XXXX I asked to not be reported and I was protecting my pay history. The agent said no problem. 3 separate payments on 3 separate accounts was to get me into the new year. with full access to all accounts. First payment in XXXX XXXX XXXX XXXX minimum payments to get me through until my unemployment was approved. I am still waiting on Social Security determination. I receive my first unemployment this week sometime beginning XX/XX/22. since. I made first 2 agreed payments a 2 week early last payment was to be 5 days early. That's when I checked my XXXX report and my credit score dropped XXXX and my acct. delinquent for non payment. I contacted them they said they had no record of a hardship pay plan. or any notes attached to my account. So I said okay let 's set one up. Regardless of my situation and me telling them I have no money coming in they force you to agree to next day first payment which automatically puts you behind and locks your account. The late fees put my account over drawn I was charged the maximum more than once in a billing cycle. and this was 5 days before It was due. Not my inability to pay or lack of due diligence. There is much more. this is but XXXX of my many disputes for fase reporting, improper record keeping, discrimination, and removal of card rewards and incentives when account is still in good standing. I want my name published on here. I've been bullied and left destitute after pleading for hours over conditions that are out of my control. ach merchants have a access number to my accounts that I nor XXXX XXXX have access to. Which means I don't have full control over my account Neither does XXXX XXXX That alone removes my responsibility of debt. And no where in any agreement is that displayed in laments terms or verbally addressed for the consumer. When I asked for that number from XXXX XXXX they got defensive and aggressive. and illegally altered accounts and charges and fraud disputes that has left me alone moneyless during holidays and Over 100 hrs of sitting on phone and being transferred. When my accts we're in good standing I was treated with dignity and respect. When they were not ( no fault of my own ) and I was able to prove it was not my fault but in fact their mistake. I've been transferred, yelled at, hung up on and treated different even laughed at as they were hanging up on me. every call says its recorded yet they say there are no records or notes. please attach my name to any publishings I'm ready to go all the way with this. enough is enough.
|
| 02/05/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
Initial event was on XXXX/XXXX/2021 Last week I attempted to purchase a XXXX bundle from Belk. I added it to my cart and was presented with an ad that I could save {$120.00} on THIS ORDER if I applied for a Belk Credit Card. Sweet! A discount on the impossible to find XXXX?! I applied. Was approved. I was given a discount code to get the {$120.00} off. Coupon not allowed on this item. So to recap, Belk falsely advertised a discount on THIS ORDER for applying for a credit card. Now I have a Belk card for no reason at all. Oh and after applying for the card and attempting to use the discount card the XXXX was then sold out.
I reached out to Belk through their website contact form and they replied to my complaint with a bot message that the XXXX was only available for certain customers. I replied that I wanted a human to contact me about how they are going to prevent future customers from being CONNED into applying for their credit card. The bot replied with the same XXXX only available for certain customers.
On XXXX/XXXX/2021, after not receiving a response from a human, I reached out to Belk through XXXX direct messaging : Again, my issue is NOT that I didnt get the XXXX. Its the fact that your website advertised a coupon for THIS ORDER / item if I applied for a credit card ( which is a big, long term commitment ) and only after the fact was it revealed that the item previously listed as eligible for a discounted was in fact NOT eligible for the new credit card coupon. Now I have a credit card that was opened under false promises. Its shameful that you advertisement algorithms allowed this to happen.
Their response : We understand the frustration this matter has caused. Unfortunately, coupons are not able to be applied to the XXXX. Belk offers the XXXX in a bundle deal on a sales price as is. The offer was for our XXXX and XXXX credit card holders. In order to gain these credit card status, you are required to spend $ XXXX {$1500.00} a year. We have attached the link below linked to credit card benefits and information.
Please let us know if we can further assist you. We apologize for the inconvenience.
My response : No one has admitted that this was a mistake on Belks part and will have it fixed for future customers. I dont feel like you are grasping the gravity of the situation. Im not complaining that I attempted to use a coupon code and it wasnt accepted. @ belk is running an ad that REQUIRES SIGNING UP FOR THEIR CREDIT CARD to receive this promised discount. Then the promised discount isnt valid AFTER signing up for the credit card. Again, not just a copy / pasted coupon that isnt accepted. CONSUMERS ARE BEING CONNED INTO SIGNING UP FOR YOUR CREDIT CARD. So if said item is excluded from all discounts, why is your advertisement at checkout showing up for said item?
No response from Belk on how they will change their advertising going forward.
|
| 11/09/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
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|
Web |
|
|
I was interested in buying some furniture from XXXX XXXX XXXX and thought it would be a good idea to get their credit card so I could get reward points for my purchase. Since my 3 credit reports are frozen I was able to determine that Synchrony Bank ( the issuer of the XXXX XXXX XXXX card ) used XXXX XXXX so I unfroze that agency on Friday, XX/XX/2018and applied for the XXXX XXXX XXXX Card on Saturday, XX/XX/XXXX via their online application process.
On Thursday, XX/XX/XXXX I received the following letter via e-mail from XXXX XXXX : XXXX XXXX has received your request for credit for a credit program with XXXX XXXX XXXX / XXXX.
Unfortunately, we are unable to approve your request at this time.
Our decision was based in part on a credit scoring system that was used to evaluate your application. The most significant reason ( s ) where you did not score well are listed below : Distance between prior residences is too long Too few retail accounts Lack of recently established credit accounts Limited history of consumer at this address Some information used to make this decision was obtained from the consumer reporting agency ( agencies ) listed below. This consumer reporting agency ( agencies ) did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. If more than one agency is disclosed the reason ( s ) shown are based on the report provided by the first listed agency.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX On Friday,XX/XX/2018 I was able to speak with a gentleman from XXXX XXXX who informed me that he could not comment I why I was declined and that I would have to speak with someone from XXXX XXXX in order to find out why.
On this same day I was able to speak with 3 people from Synchrony who told me they could not tell me why I was declined and that I would have to talk to XXXX XXXX in order to find out why.
Of course, I now concluded that I would not get a satisfactory answer and felt I had no recourse other than to file this complaint.
A little about me : I have lived at my current address for almost 4.5 years after living at my previous address ( 60 miles away ) for almost 25 years. I regularly use 2 credit cards issued by Citibank and pay them off every month. I have a mortgage that is about 10 % of the current FMV of my house. My FICO score is XXXX at the present time.
I have no idea why I was turned down for this credit card, but I can assure you that by any rational method of determining credit worthiness I am a good credit risk. There are many complaints like mine revolving around XXXX XXXX and I can not help but think there is something very unsettling about their actions in the credit reporting system!
|
| 09/01/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Servicemember |
|
I am filing a complaint with this credit card issuer in regards to XXXX of my accounts with them which are as follows : JCPenney, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Walmart Store Card, XXXX MasterCard. All of these accounts were frozen by this credit card company. After I called in to see what was goin on, they told me that their " Fraud Department '' wanted to verify my identity and would be sending me some forms but would NOT tell me which kind. Being a good citizen and honored veteran, this situation made me feel nervous so I wrote a letter and emailed it to the CEO 's office ( XXXX XXXX ). I received a phone call from XXXX and she explained that they wanted me to complete a XXXX form to verify my income. I advised that I am a XXXX Veteran and that my income is Tax Exempt and I do NOT file a tax return and therefor could NOT complete this form. She assured me that I could provide an alternative means to complete this task and that someone would be contacting me. I did receive a call from XXXX XXXX who said he works in the " FRAUD DEPARTMENT '' and needed this XXXX form to verify my identity. I offered to send my Passport, Military ID, etc to provide such proof and he later explained that no actually they just want to verify my income. I explained that my income was tax exempt and that I could provide him with the " VA Awards Letter '' which provides proof of my income that all MORTGAGE LENDERS, AUTO LOAN COMPANIES, CREDIT UNION 'S, PROPERTY LEASING AGENT 'S, accept as final proof of income, pretty much everyone EXCEPT for this credit card issuer. I was told that unless I signed this stupid tax transcript request form that all of my accounts would be closed and that there was nothing I can do. So I am only left to assume that I am being unfairly harassed. Perhaps they have a problem with XXXX people or XXXX veterans and it is their way of discriminating against us. I have had the privilege to meet XXXX XXXX our great Attorney General of Florida as well as my State Senator XXXX XXXX and I am very sure they would not be happy about being harassed by this company for NO APPARENT REASON! I would like them to end this ridiculous game they are playing with me and unfreeze all of these accounts which by the way all have XXXX balances and when I use them I pay them in full each month like a responsible person should or allow me to only send them my " VA AWARDS LETTER '' like any normal LENDOR would accept and end this game that way. If this issue is NOT resolved, I promise that I will spend every minute of my day informing Veteran Service Organization 's, Media Outlets, Local News Channels, Cable News Channels, Print Media, Social Media, etc. of how a " War Hero '' was harassed by this Company and I will make it my mission in life to make sure that this type of behavior never has to be tolerated by a Service Connected XXXX Veteran again! Thank You
|
| 07/16/2015 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
1. Applied and was granted " Care Credit '' card thru GE Capital Retail Bank in XXXX XXXX. Contract was for {$500.00} credit limit, with 6 month interest free promotion, no specific amount.
2. Timely payments made. Promotional balances paid prior to promotional expiration date.
3. XXXX XXXX received email advising bank name changed from GE Capital Retail Bank to Synchrony Bank. Email states " GE Capital Retail Bank XXXX " GECRB '' XXXX -- the issuer of your CARECREDIT Account -- is now Synchrony Bank. Do n't worry, most things remain the same. What is changing are the email addresses for XXXX ''.
4. Never did they advise that the purchase amount needed to be over {$200.00} to be eligible for the interest free promotion. I called complained, they refused to go by the original contract and charged interest. I continued to make timely payments and pay the interest even though it should have been interest free.
5. I called in XXXX XXXX to see what the promotional amount/details were and was advised the 6 month interest free promotion was for charges over {$200.00}.
6. XXXX/XXXX/XXXX I incurred a {$370.00} charge at the XXXX XXXX Vets, and was advised that my Care Credit card had been denied.
7. I contacted Care Credit and spoke with XXXX who advised the account had been closed as " high risk ''. When question XXXX became firm and raised his voice. I requested a supervisor.
8. I spoke with a supervisor XXXX who was worse than XXXX when it came to aggressiveness and raising her voice. She stated I was lying as the promotional value was always {$300.00}, never {$200.00} and certainly was never any amount charged. She refused to view my history to prove she was incorrect. She also refused to reinstate the card, advising they had done a " Credit check '' on me and decided to close the account as " High risk ''. She told me they could do a credit check any time they wanted and close the account whether it was in good standing or not!! I then disconnected my call with XXXX as she was absolutely worthless in the customer service dept. She also advised they sent a letter stating it was closed, which they did not. Nor did they state it was closed in XXXX XXXX when I contacted them regarding the promotional details.
9. I currently owe the vet for the {$370.00} charge, and feel that Care Credit should reinstate the card as they never advised it was closed, not should it have been closed. THE SIMPLY CLOSED IT AS THEY WERE NOT MAKING ANY INTEREST OFF FROM IT. THIS IS NOTHING BUT FRAUD. Care Credit/Synchrony bank has violated the contract.
10. Remedial Action : I want the credit card back with the exact same promotion as promised, received initially and as the contract stated, at which time I will again make timely payments. OR : I want Care/Credit to pay XXXX XXXX Vet for the {$370.00} that is due, and they can keep the account closed.
Thank you for your time.
|
| 04/04/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Last year 2016, I went to file my taxes and had discovered someone had already filled in my name. So I went through a whole process of identity theft which took 5 months to resolve with the IRS, before I could even get any of my tax money. This year they provided me with a pin to use to file. Although, I had a pin to use when it was time to submit my taxes I received a letter by mail stating they needed a form due to me having insurance through the XXXX XXXX XXXX XXXX. In fact I do not have insurance through the XXXX XXXX, I have insurance through my employer XXXX XXXX. After calling around several places, to see who in fact had insurance in my name. When I called the XXXX XXXX XXXX XXXX, they provided me with the name of the XXXX XXXX, and also provided her XXXX and told me to reach out to XXXX. When I called XXXX of GA, they also saw a plan in my name using my social and told me that whoever had the plan was making payments on this plan. I had to explain to them that I was in fact XXXX XXXX, gave my social and let them know that was not my health plan and that I have insurance through my employer. They also provided me with an address for the person. When I XXXX the address it came up as a house for sale, which means XXXX just used a random address. This prompted me to place an identity theft alert using my social and that where I saw the Walmart Credit Card. It stated it was closed, but still had an outstanding balance. This is not my account, nor balance. I filed a complaint with the company and received a denial letter, my claim was denied because the person was making payments, and that I benefited from this account. How? I don't know. Then I was asked how I filed a police report. My answer was how, when I don't even know where this person lives. I do know shes lives in the state of GA. And thats about it. I am not the only person she has victimized. Anybodys taxes she had done over the years are all victims as well. We have no help due to this person moving all around the world, so the police are unable to assist. She is very smart, to the point she works in XXXX XXXX companies, getting access to people personal information, and now she works for a credit company that fixes people credit. This is exactly how this person gained access to my information, but once doing my taxes. It's not hard these days to use other people information to get what you want. I have reached out to all of her employers from different XXXX XXXX to her new employer XXXX XXXX. I do not even shop in walmart because of an issue I came across, when buying my niece a doll. They had a XXXX doll on sale for {$11.00} and the same exact doll in XXXX XXXX for {$39.00}. Of course since they price match, they were willing to give me the doll for that price. But after that I no longer wanted it. I don't even know how to make payment for this account, because I have no information.
|
| 08/31/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
We bought a XXXX XXXX XXXX XXXX on XXXX, from the time we bought the boat we had issues. The Engine blew the 3rd month after we bought it, the first time the boat got wet the seats/upholstery bled through red from the tags that was sewn in under all the seats. XXXX disagreed to fix any of it that it was not covered under the warranty. Which in the warranty paperwork it stated it did. This was a {$34000.00} Boat! This was all factory defects. We tried to give the boat back since it was a lemon or have them fix the issues and they would not. We then got the bank involved and we then negotiated a payoff for less than the amount owed. This account was originally with GE Money Bank/XXXX and now they have changed their name to Synchrony Bank. The settlement was for {$8000.00} since that is what the boat appraised for with all the issues and XXXX/GE Money Bank/Synchrony Bank agreed to accept this amount to settle the account. The XXXX Boat Dealer XXXX XXXX in XXXX XXXX, California bought the boat. XXXX XXXX is the Sales Manager that helped us with the settlement and purchased the boat. We conducted several conference calls between Synchrony Bank, us, and XXXX to get this account paid and settled. Our Credit Report was updated appropriately to reflect the account settled and a XXXX balance. Now as of XX/XX/XXXX the account is showing as a charge off again reflecting a balance of {$18000.00} as if the settlement never happened. I called in to Synchrony Bank on XXXX to inquire about the account they told me they could see the settlement and this is a reporting mistake due to the changes with the Bank. That they would correct the issue and delete the trade line off our credit reports. One since the account is so old and two all the issues we have had. I was told to fax a letter to XXXX addressing the conversation we had and do a letter explaining the situation. I did on XXXX. I was also instructed that if I did not hear from them to call in 7 days. I did not hear from them so I called today XXXX and spoke to a Manager by the name of XXXX that told me he would not help me that if I wanted to dispute this I would have to refax all the information to XXXX XXXX in Charge offs to see if they would agree to update any of the information. He did confirm during our conversation all of the information I have provided regarding the settlement and that they did receive my fax with the explanation. We are tired of trying to get this updated when we did our part to settle the account paid what the boat was worth. We feel this is an issue with the bank not reporting the account properly. We paid the {$8000.00} they agreed to accept as payment in full now our credit report is not showing this closed and settled but as a charge off again for the full balance. It needs to be deleted completely off our credit reports or shown as paid in full. How it is showing now is inaccurate.
|
| 03/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
This complaint is a follow-up to CFPB XXXX, which was closed by the credit card company Synchrony Bank without any discussion with myself, the complainant, even after repeated attempts by me to contact Synchrony Bank 's representative assigned the complaint to discuss the matter.
I formally request this complaint to be reopened by CFPB on the basis of additional evidence being provided in the form of current day photographs and architectural drawings of the work that was originally contracted for but never performed by XXXX XXXX XXXX XXXX. The photographs being provided to Synchrony Bank via this follow-up complaint substantiate beyond any doubt that the {$7200.00} charged to my account for a balcony repair/remodel project was never provided by general XXXX XXXX & XXXX XXXX XXXX
On XX/XX/XXXX, XXXX XXXX XXXX XXXX committed fraud by offering to cancel the project but never providing a refund for the contracted amount of {$7200.00} back to the Synchrony bank credit card, even to this day. From XXXX XXXX, I attempted repeatedly to secure a refund from XXXX & XXXX XXXX XXXX By XX/XX/XXXX, XXXX XXXX XXXX XXXX stopped answering emails and phone messages from me requesting a refund. So, suspecting fraud, I began written communications with Synchrony Bank in XX/XX/XXXX per their prescribed dispute process. Although I've attempted on numerous occasions since then, I have never been able to speak with anyone actually responsible for investigating my fraud complaint. I have been passed around from one customer service representative to another. Each person said they did not have access to the paperwork I had submitted in my letters nor could they provide me a name of the person responsible to investigate my dispute. The representatives could only see that a dispute had been initiated.
When I filed the original complaint with CFPB in XX/XX/XXXX, I was sent an email by a Synchrony Bank company representative ( XXXX XXXX ) that said she would be investigating my complaint and provided me a phone number to call her. I responded to her email the next day with a phone message requesting she call me to discuss the matter so that I could explain the dispute in detail and answer any questions she may have had. I also sent her an email with my telephone number and email address. After not receiving a call back for a few days, I called her number again, only to receive a message that her mailbox was full and not accepting messages.
If someone from Synchrony Bank would just call me to discuss the dispute and review the letters, documents and photographs I have mailed to their company, I believe the dispute could be resolved appropriately in a few minutes. Unfortunately, it has been ten months since I initially reached out to Synchrony Bank and I still have not gotten anywhere due to their inherent bureaucracy and what I perceive as extremely poor customer service.
|
| 11/21/2023 |
Yes |
- Credit card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Staring in XXXX on or about I started with the extension of credit.
XXXX XXXX XXXX credit limit {$5000.00} perfect payment history and then when I finishing paying the balance Synchrony closed the account for no reason other then information pulled from credit bureau. This wrought me to not see this Bank the same anymore.
The problem is that I had approximately 8 to 9 accounts all have suffered adverse actions This has led to a conglomerate of my whole credit file.
The following cards are : American Eagle opened XXXX closed paid and in good standing low credit availability of XXXX which changed to XXXX City Furniture opened XXXX closed XXXX Ashley XXXX opened XXXX closed XXXX authorized user because I was in need to buy a piece of furniture and so my son had suffered opening and closing of account with a reduction of credit available of XXXX down to XXXX and then closed paid in good standing Synchrony Care Credit open XXXX has suffered a adverse of credit limit from XXXX to the limit I was in with a deferred payments which hurt my usage of credit again.
Synchrony TJ Maxx opened XXXX with a XXXX credit limit to XXXX to XXXX in XXXX it was affected by adverse action with a huge decrease in credit and it was paid and in good standing Synchrony Paypal Credit opened XXXX suffered an adverse action of reduction of credit from XXXX to XXXX which is close to limit paying as agreed and never missed any payments as well.
Synchrony Paypal XXXX opened XXXX credit XXXX down to XXXX closer to limit affecting ratio and definately affected my score.
They single handedly controlled my who credit profile self serving themselves to my credit which is by all accounts through a security process for identity purpose not the surveilling of file to help themselves to my suffering of my own credit. I am very upset and this needs to be seriously investigated. I expressed my concern about the constant attacks to my credit file. This has come to attention in checking my report for all the errors and information all companies think is ok to place on my report. Not even 30 days go by and they jump on negative information like its gold. No chance to dispute no questions they just help themselves amongst each other like its there credit file and social security. So now I have realized that I have unlimited credit. Synchrony has been using my credit for their benefit. The credit is not for their benefit it is for my benefit to acquire household and living expenses which also includes my health with Care Credit. Why has Synchrony used these tactics of conglomeration like a syndicate of complete control of my credit. I believe this is the only bank that has practiced this constant attacks of my credit file. I have begun reading and learning about credit and securities and this is bordering like a scheme to increase and downgrade while the real security never gets downgraded.
|
| 08/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
The account was initiated on XX/XX/XXXX at approximately XXXX XXXX, due to an emergency with my cat at the XXXX XXXX XXXX. We had been quoted by staff at the XXXX XXXX XXXX XXXX the emergency costs could be as much as {$3000.00} which would be a huge burden to our family. The XXXX XXXX had advertisements for Care Credit so we completed an application from my cellular phone while in the waiting room. The application stated there would be no interest for a specific period. At no point did I see anything about " credit protection '' services which would not be something I would take because this is protection for someone who could lose their job and not be able to make a payment. I have been at my job for more than 20 years.
After receiving the first statement in XXXX of XXXX my husband made our first payment. We did not notice there had been an additional charge added to the account for credit protection. In XXXX of XXXX, we had a family emergency that landed my father in the hospital and after 12 grueling days he passed away. My husband noticed there were charges being added to the bill which he called Syncrony Bank, the servicer of Care Credit. They explained all the charges to him however they refused to cancel the credit protection. Today, XX/XX/XXXX I called Syncrony Bank, the servicers of Care Credit and asked about the credit protection services. The representative explained I would have needed to " opt-out '' at the time I applied for the credit, and then went on to explain this is serviced by a third party and I would need to be transferred. The process was very convoluted and I can see how many people get stuck with this charge. The representative did cancel the credit protection for me, but refused to back-date or remove any other fees. I asked how I can escalate this or contest this and they said it was impossible. I explained that requiring someone to " opt-out '' is a hidden predatory credit tactic and they didn't have any response. I have attempted to resolve this with the credit company/bank . This predatory measure needs to be resolved. A customer, who is in a difficult situation when applying for emergency credit, is not going to be in a clear state of mind, and would not be thinking they need to " opt-out '' of something in order to proceed. This is a much more serious matter than just my personal expense of {$100.00} in credit protection fees added to my account. Additionally, it is not clear how my payments have been applied to my account with the fees. There is supposed to be interest-free on the care credit if paid within x amount of time. It can be seen on the statement they have applied different buckets to the charges and started to charge interest on the credit protection services which is absolutely unacceptable. My statement dated XX/XX/XXXX shows {$1.00} in interest charged from the credit protection services balance.
|
| 07/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
I WILL BE SUBMITTING THIS COMPLAINT TO SYNCHRONY, PAYPAL, AND XXXX. THIS IS SO ALL PARTIES ARE AWARE AND HAVE MY PERMISSION TO RESOLVE THE ISSUE.
It has been four years and Synchrony/PayPal have not properly investigated the problem they have requesting funds from my bank account. I have multiple Synchrony accounts that have no issues receiving payments, so I thoroughly believe that the problem lies with PayPal. The problem is that the PayPal funds are held by Synchrony, so they continue to blame each other. I had made a compromise four years ago in order to make my payments and have done so on time until Synchrony changed their system. This permanently removed my account an ability to make the payment online. I do not receive a paper bill for this account. I have made payments over the phone, but those also get rejected by the PayPal system. I have asked to use my debit card as a form of payment, but they only allow that once.
Most recently PayPal made a change in their system so I could have my bank account linked. I did so and made a payment. They claim my bank informed that I implemented a stop payment. I DID NOT.! This is the problem. The request NEVER MAKES IT TO MY BANK!
The following is the response from XXXX from XXXX. It indicates that their isn't a problem with my account and Synchrony/PayPal would not provide the documentation requsted to resolve the issue.
Date of response : XX/XX/XXXX We are responding to the concerns about the XXXX XXXX XXXX XXXX XXXX XXXX ) which you outlined in your correspondence to the Consumer Financial Protection Bureau, regarding PayPal debits from your checking account. Per our records, XXXX XXXXXXXX XXXX contacted us on XX/XX/XXXX, stating that the XXXX rejected PayPal Automated Clearing House debits from the checking account ending in XXXX. A Member Service Representative explained that there were no rejected debits in the recent account activity, and the matter was closed. On XX/XX/XXXX, you advised that the payments were returned between XX/XX/XXXX and XX/XX/XXXX, and your concerns were escalated for further review. XXXX XXXX, of our staff, conducted a thorough evaluation of the account history between XX/XX/XXXX and XX/XX/XXXX. She found no restrictions on the account that would cause returned payments, no non-sufficient funds fees indicative of returned payments, and no negative balance ; therefore, she concurred that there were no records of returned payments to Synchrony Bank. XXXX XXXX contacted Synchrony Bank to obtain supporting documentation from them for the alleged returned payments. XXXX XXXX, currently the XXXX does not have enough information to pursue a resolution, as we are awaiting additional information and documentation from Synchrony Bank. If you have additional questions, XXXX XXXX remains available to assist you. Thank you for this opportunity to respond to your concerns.
|
| 09/10/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
XX/XX/2017 I received a letter from XXXX XXXX ( a collection agency ) that they were collecting a debt for Synchrony Bank for {$170.00} and that I owed them the money for a purchase I made in Steinmart in XXXX on their credit card. I told them I did apply for a credit card which I never received. I had never received a statement or credit slip for that amount and If I owed them money why did it take 6 month to hear from them. I told them that I wanted a copy of the credit slip and also copies of the credit card statement and they refused to send it to me and told me to just pay the bill. I told them I would not pay the bill since I never heard a word about it for 6 months and unless they send me what I asked for do not contact me. I then called Consumer Affairs and filled out their paperwork but it took them months to hear from the collection agency who said they were no longer on this case. I also called the bank and they cancelled the card since I told them they I have never received anything from them since they did not have my apt # and mail is not delivered without it.. They closed out the card and issued me a new card number but I have no idea why. I filled out a fraud complaint for the bank and once again I asked for a bill but to no avail. I called Steinmart and they could not give me a copy of the bill since they send them to the bank at the end of the work day. I called the bank several times but they never sent me a copy of what I asked for. Finally out of frustration I told them I was going to the Attorney General Office ( which I did XXXX and that is when they admitted they have a copy of the bill which was for {$66.00} but I would have to write their recovery department to get the bill which now was up to {$220.00}. After all the calls and the paperwork I did they were sitting on the bill never sending me the bill even though I requested it several times. Funny but I shopped in Steinmart in XXXX & XXXX with my other credit card and paid the bill so why would I not pay the one in XXXX. I also called the credit reporting agency having this bill put into dispute since my XXXX Fico score has gone down because of this problem. I told them that they had a collection agency contact me but would not send me a copy of what I asked for. The person I spoke to at the credit card agency told me that the bank never disclosed that they had a collection agency contact me but that I just never paid the bill. Well that was a big lie. I am a XXXX year old woman who believes this is one of many banks taking advantage of seniors by ignoring all the mail and calls and just letting the interest grow. Funny but I had done business with XXXX of XXXX with a {$1200.00} bill and also with XXXX XXXX XXXX with a {$1.00}, XXXX and this bank was the creditor for both and I paid both those bills. I am through doing business with department stores credit cards..
|
| 11/01/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
On XX/XX/2021, I paid my HSN credit card bill as I had been ( on time ) since I received the card. The credit card is operated by Synchrony Bank. At that time, I had not received paper statements for over a year, not because I requested electronic statements but because they just simply stopped sending them.
On XX/XX/XXXX when I went online to pay my credit card bill, I saw that I had a late payment. When I called to inquire why, the gentleman informed me that they were using a new system which changed my payment date to the XXXX of each month. I asked could I changed it back to the XXXX and the gentleman stated that I could not but he could change it to the XXXX of every month. I also asked if he could remove the late fee since I did not know until calling that my payment date had been changed. He stated that he had removed the late fee and assured me that I would not receive another after I paid my bill with him.
On XX/XX/XXXX when I went online I saw that not only had the payment date not been changed, but the late fees compounded. I again called Synchrony Bank and spoke with a woman for about 20 - 30 minutes as to why I still had a late fee and the date had not been changed. She advised that she would have the call pulled and if indeed the gentleman told me what he did, they would have to remove the fees and change the date.
On XX/XX/XXXX, I saw that the date had been changed but the fees not removed.
I found out during my last call to Synchrony Bank ( XX/XX/XXXX ) that the woman only submitted the date change and mentioned nothing about removing the late fees. I was also told by the escalated rep that the fees should be removed. I paid the monthly charge of {$30.00} to that rep. I did find it strange that after our long conversation of what happened, she still tried to get me to pay the late fees stating that it would be easier to for them to respond to my claim if I did. I advised her that I am not paying anything that I do not owe.
This was not my fault. I did not receive a 45 day notice from them as I have researched that I should. On XX/XX/XXXX, when I can not remember the last time that I was sent a paper statement of which I have NEVER requested electronic statements. I was told EVERY time that I called that the fees would be removed but they are still compounding. I am now not able to make the standard payment online. These months of late fees have been processed with the credit bureaus as late payments ( even though I have been paying on time ). This has lowered my credit score. I was in the process of applying for a pre-approved unsecured loan of which I can not complete because of this issue. I was guaranteed by the first gentleman that I talked to that he HAD REMOVED the late payment and assured me that I would not have any additional payments. The calls were supposed to be reviewed but it appears that has not happened.
|
| 12/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is regarding my Amazon acct from the title of the company. I have an Amazon acct in good standing that can be verified. I even have a credit amount with them currently that I pay on monthly and have never missed a payment.
I am a XXXX member, and have bought dozens of items over the last few years, always paying for my items up front before delivery.
I had, or have a credit account that I had an XXXX credit card for, and bought some solar panels and batteries a couple few years ago which I am still paying off and always on time.
The credit underwriter has refused to give me access to what s/b my credit line with them, even though I haave continued to pay down my original credit line of I think it was {$1600.00}, and which now stands at {$1000.00} or close to that.
So this " other '' Amazon acct shows it was written off some time ago which I do n't understand because I 've only had XXXX acct with Amazon for years now.
The only thing I can think of is that when I filed for bankruptcy in XXXX that it might have been part of that, but I do n't remember. If it is/was from then it should have been taken off my record since it was over 10 years ago now and already charged off.
Amazon is free to view my current account standings, and it should reflect that I even bought XXXX items yesterday on XXXX/XXXX/XXXX, and that paid in full..
Amazon can also check my credit line (? ) status and see that I 've been a loyal and faithful customer and payee to my credit acct that I have set up for automatic payments each month.
And have never missed a payment I believe.
I would like Amazon to audit their records on this account problem because even though I have an account of what I am certain s/b in good standing, this continued bad debt keeps showing up that I believe I do n't owe, and it shows being charged off, and yet for some reason they are showing a missed payment on this " other acct '' that I 'm suppose to be being charged for and yet have never ever received and bill or notice about, even though I pay them religiously on my real credit acct and have bought dozens of items through my Amazon acct and not once was informed about this or where it comes from.
So I am pleading with Amazon and their accountants to remove this {$250.00} item and charge it off or something and close this matter once and for all. I believe it 's a hindrance to me being evaluated by other company 's for possible credit consideration. And I 'll say that I hope that someone who audits this wiill understand that thiss was something that somehow found it 's way outside of the regular accountant channels and should therefore close it and take my name off it and not punish me for bringing it up to them.
Whoever is assigned this I appreciate your time and due diligence in helping to resolve this matter and get it finally close this matter again ... .once and for all.
|
| 02/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
On XX/XX/XXXX I hired someone to replace a roof on our house. They offered my wife and I a " Promotional Loan Offer '' with " No Interest '' for 18 months if it was paid in full at the end of 18 months. Seemed like a good idea until my wife asked me when we got our bill for XX/XX/XXXX why we owed more than the initial loan was worth. Unfortunately since my wife pays all of our bills with a check monthly, I never realized that she was basically paying the minimum payment ( which was the same every month as stated on the bill ) and that that payment would not pay off the loan in 18 months.
I called Synchrony on XX/XX/XXXX to try to resolve this problem and sent them a letter based on my conversation with XXXX XXXX from Synchrony, offering to split the incurred interest, then offered to pay the full interest that was accrued on XX/XX/XXXX. I have talked to various customer services folks and their account managers ( and have been patiently waiting to talk with the account managers boss which Synchrony said would call us, but haven't heard from them in over a week ). I have attached a copy of the original loan agreement, my initial letter to Synchrony, and 2 responses from Synchrony Bank for your information to help us resolve this problem fairly. Synchrony Bank has not been very cooperative to this point.
This type of loan is very misleading. Although I signed the agreement I was under the impression that if my wife paid the bill on-time every month that we would be done in 18 months. As you can see from the agreement that's not the case. I should have looked at the bills rather than simply handing them to my wife and having her pay them first because I was worried that we would get charged interest if it wasn't paid on time.
XXXX XXXX, the first person we spoke with, offered to remove 2 months interest but that just didn't seem right, though now Synchrony says no interest can be removed. My wife paid 21 monthly installments of $ XXXX/month. You would think that Synchrony Bank would have found that " unusual '', why not pay it off in 18 months. XXXX XXXX said that if we had been " delinquent '' in any of our monthly payments that the bank would have gotten in contact with me to understand why a payment was missed, which would have been great because then I would have looked at the agreement and realized that this loan was coming due. Seems to me we are being unfairly punished for a loan like this and no other senior citizens should fall into this trap and that's why I am sending you this complaint, to get a fair resolution and to let others know of the pitfalls of this type of loan are. I have never had a loan like this, not from any other company who offered " no interest loans ''. When you paid the monthly bill, at the end of your term, the loan was paid off. With this loan, your monthly payments will not pay off the loan in full.
|
| 08/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I received my first statement from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX, stating that I owed {$290.00} in regards to an outstanding account after I made two purchases at Old Navy in XXXX. Upon further review of all my records, this is what I was able to deduce : 1. I never received any statement ( s ) from Old Navy at my address after these last two purchases were made and now i know why. XXXX XXXX sent me a copy of an Old Navy statement with a due date of XX/XX/XXXX which i had never received as it was sent to the wrong address ( XXXX instead of XXXX on my street ).
2. From XXXX XXXX, i also received a copy of a letter dated XX/XX/XXXX stating that Synchrony Bank had sold the account to XXXX XXXX. This letter was mailed to the wrong address ( XXXX instead of XXXX on my street ), and i never received it either.
3. XXXX XXXX must have researched as i received their first statement dated XX/XX/XXXX to my correct address.
As notes on my account specify, immediately after I read their letter, I had a few phone interactions with XXXX XXXX regarding this outstanding account and attempted to sort out what had happened. As such, the account ended up in a status of being disputed as specified on their second statement dated XX/XX/XXXX.
After researching my past bank statements and resolving the fact that I do have two Old Navy Visa cards ( one of which I never activated ), I do acknowledge that I did make two purchases at Old Navy in XXXX for the total amount of {$88.00}. On XX/XX/XXXX for {$3.00} and XX/XX/XXXX for {$84.00}. Not having received any statements from Old Navy and not having received any collection letters from Synchrony Bank, I was unaware that these two purchases were left unpaid. After receiving two XXXX XXXX statements and various dispute resolution phone calls, I sent a check ( # XXXX ) dated ( XX/XX/XXXX ) for {$88.00} ( the amount of both original purchases ) to XXXX XXXX in anticipation of resolving this matter quickly. As I never received any Old Navy statements and as I never received any collections letters until this one, I did not include any of the {$200.00} in accrued interest ( which is still outstanding and I am disputing ).
I contacted the Senior Citizens Law office in my city, XXXX NM and they advised me to contact you to register a complaint. They also suggested that I get my credit report to see if XXXX XXXX had posted any adverse information. They have. Until this adverse report from them I have never received a bad credit score in my life. There is literally XXXX pages of positive credit reports and the one from XXXX XXXX ( which will remain for the next 7 years ). I feel this company was exploitive with me and over multiple phone calls made no attempt to compromise on the amount due. The interest due has thus accrued to a whopping {$200.00} which i believe to be unconscionable.
Respectfully, XXXX XXXX
|
| 05/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I was charged late fees for XXXX and XX/XX/XXXX when I made timely payments. I was also charged a finance charge even though it's supposed to be 0 %. Total fees were {$82.00}.
I'll admit that I was really angry on the phone after about the one hour point. They were deliberately giving me the run around and I reached a breaking point.
This is the text of the email I sent to the Synchrony Bank CEO XXXX XXXX : In XX/XX/XXXX, I purchased a XXXX sewing machine and financed through Synchrony back. In XXXX, I was charged two late fees when I had consistently paid my bills every month without fail. I called, they saw I made my payments and waived the fees.
Now, this has happened again. I was charged a {$40.00} late fee for XXXX even though I had paid my bill in XXXX. When I saw the late fee on my XXXX bill, I tried to call twice. I was on hold for over an hour on those two calls and never spoke to a person. I assumed it was because of the COVID-19 lockdowns, paid my normal payment and Synchrony Bank would be reasonable out working it out in the next billing cycle. Now Ive gotten my XXXX bill and there are {$80.00} in late fees and a {$2.00} finance charge.
Again I tried calling. Ive been on the phone with four different people for two and a half hours today, two of whom hung up on me and two of whom directly called me a liar. I repeatedly asked for a supervisor and wasnt given one. I asked for a name of a specific person I could write to and was told they could only give out a general inquiries address. I am understandably very angry at this point. This is starting to feel like a scam.
Every month, I wait until I get my billing statement and I make my payment IMMEDIATELY. I told the representatives this and two of them called me a liar. Im not lying. I have made my payments without fail as soon as I get my statement. Furthermore, I should not be held accountable for late fees when I tried to call to resolve the problem in XXXX and you did not answer the phone, especially since your staff were probably not available due to COVID-19 issues. I'm astonished that your bank is so unreasonable about this.
I want the {$80.00} in late fees and the {$2.00} finance charge waived. It's a reasonable request. Even if we disagree on on timing ( and I'm not lying ), my record clearly shows that I make monthly payments and you should exhibit some basic human decency, recognize that, and waive these fees.
I have always enjoyed an excellent credit history. Now, my score is going down because of you reporting late payments that are not actually late. If this is the way you treat your customers who make their payments, I would hate to see what you do to those that truly are late.
I am copying this to Billing Inquiries Address, XXXX. XXXX XXXX, XXXX, FL XXXX via US Mail. I will also be filing a complaint with the Consumer Complaint Protection Bureau.
|
| 11/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
Older American |
|
I purchased XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX North Carolina on XX/XX/2018 for {$2100.00} ( receipt attached ). As indicated on the receipt, the purchase was financed through CareCredit Financing account number XXXX. A copy of the Account Agreement provided by XXXX XXXX XXXX at the time of purchase is attached.
The agreement states, Interest at the rate of 26.99 % will be charged to your account from the date of purchase if the promotional purchase is not paid in full within the promotional period. However, the Account Agreement does not state promotional period. I was under the impression the account would be paid in full before the end of the promotional period if I paid the specified monthly payment amount.
I enrolled in Autopay and received monthly emails ( attached ) from CareCredit/Synchrony bank with a link to the monthly statement. I knew the payments were automatically deducted and although the emails state the monthly payment amount, they did not state interest charges or the promotional period. There was never a reason to think it was necessary to check the statements.
In XXXX, I noticed the balance was high. I was shocked when I logged into my account to find I was charged {$860.00} in interest including {$580.00} in deferred interest in XX/XX/2018. That is {$860.00} in interest on a XXXX loan! I am extremely conscientious about paying my bills and have an XXXX FICO score. I have never had an issue with numerous other accounts in which I take advantage of e-bills and autopay. I immediately paid the account in full as soon as I became aware I was being charged interest.
I clearly would have paid off the loan before the end of the promotional period if CareCredit/Synchrony bank had clearly and accurately disclosed the terms and conditions or included interest charges along with the payment amount in the attached monthly emails. No doubt, it is extremely profitable for CareCredit/Synchrony if consumers are not aware of the promotional period and exorbitant interest charges. I sincerely doubt CareCredit/Synchrony would want to release information regarding 1 ) the number of consumers who have the same issue and 2 ) the amount CareCredit/Synchrony collects as a result.
The customer service representative ( id # XXXX ) at Synchrony said the information was clearly provided in the online statements and that it would take 30 days to receive a copy of the agreement they have on file. In retrospect, I should have been less trusting and checked my monthly statements. I will not make that mistake again. However, there should never be a question as to whether a consumer was made fully aware of the length or end of a promotional period. A separate notification might be difficult to administer but it would be easy for CareCredit/Synchrony to include the promotional period in the attached Account Agreement and monthly emails.
|
| 12/24/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Synchrony Strikes again! This is the singularly most CORRUPT financial provider EVER.
On my Lowes account, I had a promotional balance as of XX/XX/2019 statement of {$1200.00}. My promotional balance expires on XX/XX/2019.
On XX/XX/2019 I paid {$300.00} and per Synchrony Bank written policy, " during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' My {$300.00} payment was applied to THREE different balances, this is WRONG. Per your policy, the {$300.00} should have all gone to the expiring promotion of {$1200.00} On XX/XX/2019 - when my promotion was expiring, I paid {$900.00} and again per your policy, this entire amount should have gone to my EXPIRING promotion.
As an added insult to injury, Synchrony CONVENIENTLY TO THEIR BENEFIT failed to include my {$900.00} payment THAT WAS POSTED IN MY PAYMENT HISTORY effective XX/XX/2019 on my cycling statement.
By doing this Synchrony WRONGLY enriched themselves with {$970.00} of UNEARNED INTEREST.
By violating its own written policy for payment allocation during a month in which a promotion expired, and wrongly allocating my payment, while small in dollar amount, that in effect still makes my {$1200.00} balance not paid in full, and by first telling me I would be credited {$970.00} in finance charges, again Synchrony continues to enrich itself by allowing my balance to carry over into another billing cycle and again reaping unearned interest.
My account is quite clear. I now have 3 promotional balances, and 1 posted non promotional balance, which I will be paying the non promotional in full BEFORE the next billing comes due, which I will call in and make sure the highest manager possible posts it correctly.
Synchrony needs to COMPLETELY re-age my account, take it BACK to before the WRONGLY CHARGED deferred interest was charged. You scare the living XXXX out of me when I am told " we need to reallocate all your balances and payments '' - you have extremely creative math to the detriment of the consumer.
I am copying this absolutely abominable, inexcusable error to the Executive Leadership at Lowes Corporation, to once again implore them to STOP using you for their financial services. Consumers rely on the ability to make large purchases and defer any interest/final payoff. The average consumer, sadly, does not mind their statements as much as some of us, or are sadly aware of your underhanded tactics. This is an ultimate harm to the Lowes Consumer, and I am sure Lowes does not want to deter consumers from shopping in their stores.
I have asked the CFPB before, and ask again, Synchrony Bank needs to be closely monitored for failure to supervise their fiduciary responsibility.
|
| 09/16/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Over XXXX/XXXX/201 and XX/XX/2021, someone used my Amazon credit account with Synchrony Bank to make 10 unauthorized purchases totaling {$270.00} in charges. These items were shipped to my home. Under my Amazon account order history, there is no record for these items being purchased by me. I contacted Amazon and after explaining and they reviewed, they told me they could not help as there was no order history and Synchrony would have to open a fraud investigation.
I contacted Synchrony and they opened an investigation on XX/XX/2021. Their website and investigation letters state, " We understand experiencing fraud can be upsetting and we want to assure you the Synchrony Fraud Team is here to help. With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges ''.
On XXXX, Synchrony closed the investigation and bill me stating that because the items shipped to me I am liable, even though I did not make the purchase or authorize the use of my store credit for this. I have provided them my Amazon order history and repeated this investigation cycle with them now 4 times.
The second investigation was started on XX/XX/2021 and closed on XX/XX/2021 with the same results. A third investigation was opened on XX/XX/2021 and closed on XX/XX/2021 with the same results. A fourth investigation was opened on XX/XX/2021. I received a letter while on vacation on XX/XX/2021 that they wanted returned within 15 days where I indicate the charges were unauthorized. I faxed this to them on XX/XX/2021. They closed this fourth investigation on XX/XX/2021 and again bill me as liable for the purchase because they were shipped to me.
They claim also that I should have shipped the items back. When I first contacted Amazon in XXXX and they said they could not help me, I threw the items in the trash several days later after opening the investigation with Syncrony.
Through out all of this I have not been given any email that I can reach out to them, they claim they don't have one. I ask to speak to a director or manager and am told they do not have one. I have been bumped around from person to person on the calls with no progress and have had some even argue with me. So much for being " the Synchrony Fraud Team is here to help. With our {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges ''.
I have spent hours and hours going rounds with them to get this resolved and it continues to go now where. I have provided clear evidence of fraud in both the history of the charge being erratic and odd and proof that these items are not in my Amazon order history. Synchrony Bank needs to clear this from my account and be held accountable for not clearing the fraud as they claim with their " {$0.00} Fraud Liability benefit, you're never responsible for unauthorized charges ''. These charges were unauthorized.
|
| 09/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Unfortunately I have no choice but to reach out here as I have exhausted all other methods of communication with PayPal, Synchrony Bank and the collections agency. All of these entities state the issue is the other agencies fault and are unwilling or incapable of accepting responsibility, providing assistance and refuse to speak to each other regarding my account, so that we may resolve this issue.
I placed a purchase with PayPal a few months ago for an event that was ultimately cancelled. I waited for the refund, but it never came. I reached out to PayPal and they said the payment was in a weird status, they informed me that they were physically unable to do anything with the transaction, but they had me fax evidence that the event was cancelled and walked me through requesting a cancellation for the transaction. I put in the request, faxed over the evidence and after a few days they canceled the payment ; I thought that was the end of it. Unfortunately I am now finding out that PayPal has placed an unauthorized charge on my PayPal account for {$2000.00} and sold the account to collections without ever contacting me or informing me there was any kind of an issue.
After many hours and many phone calls to Synchrony bank, PayPal and a collections agency, I have been told multiple times that neither party is willing to communicate with each other regarding my account, they are each telling me to contact the other company and theyre unwilling to provide a reasonable resolution. The only manager that im aware that I spoke with was from Synchrony Bank. She offered to issue a check in the amount of {$2000.00}, however she stated by issuing the check they would debit my PayPal credit account for that {$2000.00} then reverse the refund transaction from the account leaving me to owe Synchrony Bank {$2000.00} for a purchase that was refunded. I am left with no reasonable resolution, a credit default against me and can only come to the conclusion that PayPal, Synchrony Bank and this collection agency are coordinating efforts to intentionally defraud customer accounts, sell those accounts to generate a profit, while also retaining the authority to prevent customers from escalating these issues and actively suppress attempts to contact their leadership for assistance. I have even gone as far as emailing PayPal and Synchrony Banks investor relations, reached out to leadership and company social media accounts, emailed Synchrony ethics division, filed a XXXX XXXX XXXX complaint, submitted a complaint to the Federal Trade Commission, filed a complaint with the FBI, submitted an official report with the Texas Attorney General and filled out an official police report with local law enforcement in order to get this issue resolved and I am still unable to communicate with any executive leadership or get a resolution from PayPal or Synchrony Bank.
|
| 07/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I purchased a XXXX XXXX XXXX XXXX King size, XXXX XXXX BASE and TOTAL PROTECTION MATTRESS BED on XX/XX/XXXX at a XXXX XXXX store located in XXXX XXXX XXXX XXXX XXXX in XXXX, PA. Total purchase value was {$8700.00}.
XXXX XXXX, the salesperson at the XXXX XXXX store was helpful and knowledgeable. I had already decided to purchase a XXXX XXXX XXXX and planned to pay in full. Once I decided on the model, XXXX aggressively promoted a Deferred Interest Promotion ; no interest charges if the promotional purchase balance was paid in full by the Promotional Expiration Date of XX/XX/XXXX.
I have been in XXXX and XXXX my entire career ( +35 years ). I appreciated XXXX persistence and was sure he earns some level of commission on a sale and/or promotional sales campaigns. I decided to help him out and finance a nominal amount of {$1300.00} ; I made a down payment of {$7400.00}. I know these type of financing promotions target low to mid-income customers to entice them to purchase.
I then setup an automatic payment to pay the minimum amount of {$37.00} over 3 years and not worry about it. I pay all of my monthly recurring bills through automatic payment from my bank or through the Payees website. I started seeing late payment fees and interest charges because the draft was not occurring on or before the exact due date, which was happening around a weekend where the payment does not hit on weekend day. Timing. I spoke to representatives at Synchrony Bank who were clearly trained to stick to a script. They were not understanding or helpful at all, not necessarily their fault. The customer had become Synchrony Bank, XXXX XXXX XXXX third-party financing arm.
Long story short, I came to realize that my credit score was dramatically lowered when co-signing on a car loan for my son. XXXX XXXX score dropped to XXXX ( Fair ) which I was shocked by. The auto dealer quoted me a finance rate of over 18 % due to my credit! I paid for the car in full.
In hindsight, I wish I never agreed to sign up for their Promotional Purchase. I have always had a very good credit rating. When I read the fine print on Synchronys statement, it reads : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date of XX/XX/XXXX.
I paid {$710.00} on XX/XX/XXXX which was the remaining applicable balance on the financed amount ( without late charges and interest charges ). I thought I honored the fine print but Synchrony continued to assess charges on my account. I then paid the balance in full including {$610.00} in interest and late charges.
I am not asking to have the interest and late charges waived. I am respectfully asking that XXXX XXXX and Synchrony Bank please remove any derogatory information from my credit report caused by this situation.
Thank you, XXXX XXXX
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Filed first dispute with XXXX on XX/XX/XXXX because Synchrony Bank reported that I was 60 days or more late on a payment ( < {$10.00} ). This was incorrect - Synchrony made an error charging me fees on a closed and fully paid account- I contacted them, they removed the incorrect charges and assured they would report to credit bureaus I had no delinquent payments. I filed a dispute with XXXX and they closed the investigation XXXX stating the original ( delinquent payment ) information submitted by XXXX was correct. I reached back out to XXXX using chat to get documentation stating that I should have NO LATE PAYMENTS reported - I screen-shotted this for documentation and filed a second dispute with XXXX XXXX and provided the screen shots, account information showing XXXX removed the charges ( my report showed that I had paid the $ - I did not ), and details of first conversation with XXXX with the agents name and location, and the date we spoke. Got results from the XXXX dispute XX/XX/XXXX which shows " We investigated the information you disputed and updated : Date Updated; Original Charge-Off ; Remarks ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' No further details or explanations, and this jumbled jargon makes absolutely no sense to me. Nothing was changed on my report. I used the XXXX chat function on XX/XX/XXXX and spent nearly XXXX minutes seeking help to then be told the dispute results were confidential and they could not help me, and to file a new dispute. I called the XXXX number on XX/XX/XXXX and spent several minutes speaking, asking for someone who could explain the investigation results to me, and an agent told she could not help with that and to file a new dispute. Requested a supervisor. She said she could not help, I need to call the dispute department and gave me the same number to call that I had just called. Called again - waited for nearly XXXX minutes with no one taking the call. I had to get back to work.
I filed disputes with XXXX and XXXX as well, and they also closed the investigations stating the info was confirmed as correct. I asked XXXX several times to provide me with documentation that shows what information was updated/corrected and sent to each credit bureau XXXX but they refused to provide vial email or snail mail. XXXX tells me to contact the credit bureaus. It is a viscous circle with no way to track information exchanged or get documentation to resolve.
My credit score has been near XXXX for decades. This error, of less than {$10.00}, has caused my credit score to plummet to the mid XXXX. XXXX needs to be held accountable for their failure to properly investigate, to provide adequate information to me upon request, and having no means of communicating with the company after filing the dispute.
|
| 07/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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|
Web |
Older American |
|
XXXX19 : Received suspicious letter from PayPal Credit / Synchrony Bank to call XXXX " to verfy recent activity processed on your acct. ending w/ **** ", ( which I do not own, nor applied for ) ; so I don't technically know if it's technically a physical credit CARD, or a " Digital-wallet '' credit acct. that the letter is referring to!!!
XXXXXXXX19 : I called the XXXX # on the letter. I was asked for personal info & Soc.Sec. #, & BirthDate. When I refused, ( suspecting a scam ), Rep. told me to call their " Fraud Dept. '' at XXXX when I am ready to give my Soc.Sec. # in order to close the acct. if it is not mine. When I XXXX Searched those 2 phone # 's & the return address, I found many websites saying it's a scam/phishing scheme, and that scammers also created SPOOFED versions of PayPal Credit and Synchrony Bank websites to fool anyone who tries to find the REAL phone # or address & tries to contact the REAL PayPal Credit or REAL Synchrony Bank, in an effort to close the fraudulent acct.
XXXX19 : I obtained Credit Reports from XXXX & XXXX. XXXX did indeed list a [ fraudulent ] SyncB/PayPal acct. # XXXX opened on XXXX19 in my name, using a fraudulent address ; as well as a " Regular Inquiry '' by " PayPal via SyncBPayPal '' that same day XXXX19 ; ( that " [ Regular ] Inquiry Analysis '' also included my " Supplemental Public Records & Residential Info. '' & " Supplemental Consumer Credit Info. '' ) That fraudulent address is now listed as one of my " Addresses Reported '' as " Date Reported : XXXXXXXX19 ''. My XXXX Report shows that fraudulent address, too, as being me ; but with " Notices '' [ flagging it as questionable ] saying : " This address has pertained to a Business : XXXX XXXX XXXX XXXX, CA " & " Transportation Service : XXXX XXXX XXXX XXXX, CA ''.
XXXX, in the meantime, is displaying 2 " Paid & Closed '' JCPenneys Credit Card accts. ( that, unbeknownst to me until now, also are / were managed by Synchrony bank ). I closed those 2 Credit cards 26 & 16 years ago!!! Is that normal, for them to still be displayed on one of my Credit Bureau Reports? ( XXXX also shows a " Hard Inquiry '' from a credit grantor that I did not apply to, but I can not tell if the parent company of that Inquirer is Synchrony Bank, or not. ) The Reporting Bureaus placed an initial Fraud Alert on my files BUT : I can not trust any phone # or address found for PayPal Credit nor Synchrony Bank, ( not even the 2 different addresses / phone # 's attached to the " Opened Acct '' & " Inquiry '' on the XXXX Report ) IN ORDER FOR ME TO CONTACT Synchrony Bank DIRECTLY, in order to CLOSE this fraudulent Credit acct.
That is why I need the CFPB to contact & communicate with Synchrony Bank on my behalf, and close the fraudulent PayPal Credit acct. as well as the other " fair resolutions to this issue '', that I will specify in the next CFPB complaint box.
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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In XX/XX/XXXX, Synchrony Bank transferred their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result, the balance was transferred to XXXX. Effective XX/XX/XXXX, all monthly payments were submitted to XXXX. When I went to Synchrony Banks website and clicked XXXX XXXX, it states that they were transferred to XXXX, effective XX/XX/XXXX.
I'm in the process of purchasing a vehicle and when I reviewed my credit report from XXXX ( paid credit monitoring service ), I noticed that BOTH Synchrony Bank and XXXX shows the account as open, active and has a balance. It appears the accounts were duplicated instead of being transferred. I checked XXXX and XXXX and they are reflected correctly. XXXX refuses to correct my Credit Report.
On XX/XX/XXXX, I submitted a Dispute with XXXX. When I didn't hear back from them, I reviewed the dispute status report ( created on XX/XX/XXXX ) and it said the Creditor XXXX Synchrony Bank located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX confirmed the account was active, open and had a balance. The exact wording in the report is : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED. This is incorrect because the balance was transferred to XXXX.
On XX/XX/XXXX, I called XXXX to determine what documentation was submitted by Synchrony Bank to confirm the account was active, open and had a balance. They could not provide the information although I spoke with a customer service representative and a supervisor. They explained that they submitted the dispute details to Synchrony Bank electronically and that Synchrony Bank did not include any supporting documentation, but confirmed the information was correct. I explained that I had called Synchrony Bank for the last 30 days and not a single customer service representative could pull up my account details because the account was transferred to XXXX. I asked if they could provide, Synchrony Bank contact info, specifically a phone number or a name, and they declined.
Thus far, I've called Synchrony Bank at XXXX ( instantly transferred to XXXX ), XXXX ( no help ), XXXX XXXX XXXX ( no help ), XXXX XXXX XXXX ( no help ) and XXXX ( no help ).
I called XXXX ( XXXX XXXX XXXX ) again and explained the situation and they said they couldn't help me anymore and I would need to reach out to Synchrony Bank who doesn't have me in the system. As a result, today ( XX/XX/XXXX ) I canceled my XXXX XXXX XXXX subscription because clearly they aren't monitoring anything. I've been paying {$14.00} for years for nothing.
The double accounting error isn't reflected on XXXX or XXXX credit reports, I don't know how to fix the error. XXXX keeps sending me to the Creditor ( Synchrony Bank ), who provided them no documentation and Synchrony Bank can't find me in their system. I'm in limbo and going in circles.
I submitted another dispute today to XXXX for the same issue.
|
| 03/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Late one night about six years ago, we rushed our XXXX-year-old cat to XXXX XXXX XXXX Hospital in XXXX, NJ, because he was hemorrhaging from his mouth. When we arrived at the reception desk, they demanded a large sum of money up front in order to treat the cat. We didn't have that much on us nor in our checking account, so they shoved a CareCredit application under our noses, which we signed under duress.
CareCredit, also known as Synchrony Bank, is a known predatory lender that colludes with veterinary and medical practices to coerce consumers into taking out credit before treatment is rendered. CareCredit has been investigated by the New York State Attorney General and in XX/XX/XXXX was successfully sued by your agency, the CFPB, and forced to refund XXXX XXXX dollars to consumers who had been victimized by the same heavy-handed practices that my wife and I were subjected to several years ago.
They ran it and got approval for an amount around {$3000.00}. At that point a young veterinarian brought the cat into an exam room and looked at him. He found that the cat had a XXXX XXXX XXXX but insisted he could " catch it '' by putting the cat under general anesthesia and removing part of his jaw. He brushed aside our concerns about performing that operation on such an elderly cat.
Bottom line, the vet performed the XXXX, our cat stroked out on the table, and we got a {$3000.00} bill for our trouble. I tried to contact the administrators of XXXX XXXX but they ignored my calls. I contacted lawyers to sue for damages but they refused because the market value of an XXXX-year-old tabby is about {$3.00}.
Nevertheless, we attempted to pay off the debt. Around XX/XX/XXXX I was having difficulty making the payments and called CareCredit to ask if they would work with me. The phone rep said absolutely. Then the next thing I knew, our account had been sold to XXXX XXXX, XXXX a litigious collections firm. When I wrote to them detailing what happened, they just wrote back saying I owed the debt.
Now they are taking us to court in XXXX County, NJ. I have called numerous consumer lawyers and none will take my case because they can't make enough money off it, or they demand retainers totaling more than the debt is worth, or they attempt to persuade us to file bankruptcy when we neither need or want to do. We have contacted legal aid but they denied us help because we aren't " indigent ''.
This is a serious legal donut hole that leaves many consumers vulnerable to predatory lenders and collection agencies who know they can win in court because their victims can not afford proper legal representation.
We have a court date set for XX/XX/XXXX and are being harassed by an aggressive lawyer who is pressuring us to fill out interrogatories or have a summary judgment against us. Since we aren't legally trained, this puts us at a disadvantage.
|
| 07/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX.
Within the XXXX reports I received, are tradelines from SYNCHRONY BANK ( SYNCB ). On XXXX XXXX, 2015, I sent to SYNCB via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt SYNCB has reported to XXXX and XXXX, and possibly to XXXX. My Request to SYNCB was received on XXXX XXXX, 2015.
In my Request to SYNCB, I requested specific documentation be provided to me within XXXX calendar days. The documentation I requested would, if provided, prove : 1 ) the debt SYNCB has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to SYNCB. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt SYNCB has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to SYNCB.
On XXXX XXXX, 2015, ( XXXX calendar days after XXXX XXXX, 2015 ), in response to SYNCB 's failure/refusal to respond to my Request, I sent a letter to SYNCB, via certified mail, return receipt. Therein that letter, I informed SYNCB that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by SYNCB, and, as such, SYNCB is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt SYNCB claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed SYNCB that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with SYNCB. On XXXX XXXX, 2015, I contacted XXXX via telephone making a dispute therewith, against SYNCB. On XXXX XXXX, 2015, I made disputes with XXXX and XXXX against SYNCB via their online dispute submission form. To date, SYNCB has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by SYNCB has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition.
On XXXX XXXX, 2015, SYNCB sent to me a letter, stating it is unable to locate the account record with the same partial number that is being reported and displayed in the credit reports I received on XXXX XXXX, 2015. On XXXX XXXX, 2015, I responded to the aforementioned letter informing SYNCB the the " partial number '' is the number being reported and that I do not have, nor have I ever, held any account with SYNCB.
|
| 03/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Synchrony Bank has sent me two letters in the past two months ( XX/XX/20 and XX/XX/20 ) concerning an alleged PayPal account ending in XXXX that I do not have. I have never had accounts of any kind with PayPal or Synchrony Bank, and have never had any other communication of any kind from either company before concerning a credit account.
The first letter stated " Synchrony Bank has reviewed your request to increase the credit line on your account. A credit line of {$10000.00} has been established, unless you declined the partial increase. We regret we were unable to approve the higher credit line you requested. '' The letter then lists Synchrony Bank 's XXXX if you have any questions. I blew that letter off as a clumsily worded attempt to get me to open an account.
The XX/XX/20 letter, however, states that " after a review of the account, Synchrony Bank has decided to close your account. The reason ( s ) for our decision are listed below. The number of dishonored payments on this account. Please note that although charging privileges are suspended, you are still required to make payments on your existing account balance under the terms of your account until paid in full. '' The letter then directs questions to the same XXXX. This letter made me angry.
I called the 844 number and finally got through to a live customer service rep., who could not find any account, or even an account application, tied to the name XXXX XXXX XXXX ( they mispelled my last name which is XXXX ) at XXXX XXXX XXXX XXXX, XXXX XXXX, KS, XXXX. She checked under both name spellings.
She kept getting back to asking for my social security number to try and find an account, which I refused to give her, and eventually tried to transfer me to PayPal 's customer service, which I knew was just an attempt to get rid of me. I pointed out to her that the fine print at the bottom of each letter states : " Account is owned by SYNCHRONY BANK ''. She couldn't answer why SYNCHRONY 'S data base couldn't find an account under the name yet could also have no trouble generating such letters to me.
This is either a case of identity theft with a bogus Social Security number, or a new twist on the XXXX XXXX scam of opening accounts in customers names without their knowledge. But in this case, they could be trying to use fear of identity theft to trick customers into giving them a Social Security number to finish opening an account in their name and then offering some kind of free credits on SYNCHRONY for the inconvenience this has caused the caller.
It should be illegal for any credit line to be opened in anyone 's name without a confirming letter sent to the address of the consumer to validate they are in fact the one 's who opened the account. And if this is just a scaremongering marketing ploy to deceive consumers into opening accounts, that should be illegal too.
|
| 08/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Some background first. On XX/XX/XXXX I purchased a televison from HH Gregg, in order to get free interest I had to take a card out which was filled out by the clerk and not until after paying the card off did I realize my last name was misspelled, the letter i was in place of an e. I added a washer and dryer on XX/XX/XXXX with the same no interest promotion and paid it all off on XX/XX/XXXX without any interest due. I did not use the card again and let it expire.
In XXXX of XXXX I discovered an email from Synchrony stating I owed {$3800.00} plus dollars, I contacted the local police and made a report explaining someone somehow used my information I also contacted Sychrony and the call taker explained I would not be responsible. A couple days later I'm telling my son who has the same name but has his own home and he says he and his wife had applied for a card from Synchony and received one and charged about that same amount. ( we have had issues with the post office sending our mail to each others home ). I recontacted Sychrony to try and get this resolved and my son also called them to try and get it fixed by having the bills go to him on a new account not tied to me. I was also told I had to fill out a fraud statement which I did. My son gave me the card he received and it was a new number I had never been issued but it was still spelled wrong.
In XX/XX/XXXX I received a response from Synchrony stating the bill was my responsibily since it was family. I called the fraud department and reiterated that my son was an adult and did not live in my house so he was not a household member nor was he ever on my original credit card, only myself. Also I was told they did not have an application from my son in the computer, however I was shown a heading from Synchony to my son sent to his address. I also received another email stating I had a new card and to activate it. Since I did not want a new credit card to begin with I never activated this card but Synchony took the charges my son made on the second card and transferred them to this third card which was not activated.
I cant imagine some of this is legal. If it is any child of any age ( even ones who have broken off all contact with parents ) could intercept their parents mail and buy all sorts of things and never be responsible for any of it. How can credit card companies activate cards without the recipient accepting the card let alone switching from card to card.Why have a number to call to activate if they can do it without your permission. My son is XXXX years old, has his own family but Synchony is saying I'm still responsible. Seems pretty unethical. Additionally does my name being misspelled play any role at this point? I have worked hard at keeping things paid on time and not having debt and I don't want to be in the middle of this when I made none of the purchases.
|
| 10/01/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I obtained a XXXX XXXX credit card managed by XXXX XXXX to purchase furniture for a new home. XXXX 's was offering a promotional 36 month Equal Payment No Interest program if you signed up for a XXXX credit card. I signed up for the program and purchased XXXX of furniture on XX/XX/XXXX. On XX/XX/XXXX I purchased an additional {$1800.00} of furniture however this promotion was 12 Months Deferred Interest.
I began making the Total Minimum Payment due beginning on or about XX/XX/XXXX with the additional purchase of {$1800.00} added after XX/XX/XXXX. I paid the Total Minimum Payment which varied from $ XXXX/mo to $ XXXX/mo.
This month I noticed that {$430.00} of interest had accrued in XX/XX/XXXX. I contacted Synchrony on or about XX/XX/XXXX to inquire about the interest charged. I was advised that my 12 Month Deferred Interest promotion had expired on XX/XX/XXXX. I accepted that at face value until I reviewed my contract documents and realized that I had in fact two promotional programs at the same time ; the 36 month Equal Payment No Interest program and the 12 Months Deferred Interest Program.
I called XXXX XXXX Customer Service on XX/XX/XXXX and was advised that the interest charged was related to the expiration of the 12 Months Deferred Interest Program. My assumption was that the Total Minimum Payment I had been making was sufficient to payoff each of the balances in sufficient time to avoid any interest charges. In reality in the 12 months I reduced the {$1800.00} balance on the 12 Months Deferred Interest Program by only {$550.00} and I was being charged 29.99 % interest on a {$1200.00} balance. I asked for a Supervisor to discuss what I considered an unfair business practice and was advised that there was as statement on my bill prior to the expiration of the 12 Months Deferred Interest Program. There was a small notice located on the bill that contains significant extraneous information making it difficult for a consumer to separate the wheat fro the chaff. I was further advised that there was nothing they could do to reduce the interest fee.
I have since paid the balance in full, {$3800.00} on XX/XX/XXXX since I'm concerned that additional unexpected charges would be applied. I am reaching out to the Consumer Finance Protection Bureau because I consider myself a savy consumer and feel duped by the way in which XXXX/Synchrony advertise these programs, manage and disclose on statements and resolve consumer concerns. It feels to me that Synchrony intentionally confuses consumers with the amount of information they include on their statements and the way in which they disclose how the programs operate. There was no way of knowing how much of my Total Minimum Payment was being applied to each program and therefore no way of knowing that I was at risk of having to pay a 29.99 % interest payment on an outstanding balance.
|
| 12/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
On XX/XX/XXXX my PayPal business account was solicited by PayPal to apply for credit or Bill me Later I applied for credit under the business information. ie business Fed Tax Id, business address, business phone, and other business information. We received a credit response immediately and received credit of {$5000.00}. We have always used this credit for online business expense and business purchases made online. At no point have this ever been considered a personal liable credit.
In XX/XX/XXXX, PayPal had sent me an internal notification to verify the business account to comply with new federal regulations, by adding my social security number to the account. But this was simply for PayPal only and was supposedly at no point in connection with the paypals Bill Me Later line of credit. I reluctantly agreed and complied.
Almost 2 years had passed and approximately XX/XX/XXXX I had a major credit report hit from PayPal on my personal credit. This has come to a shock to me as i was 100 % this was a company credit card and had been applied and in no way requested or issued as a personal line of credit.
I contacted PayPal to advise them of the error and that I had never even applied for a personal credit line and had ONLY applied with our business credentials and in turn received a decision based on my business credentials. I demanded a copy of the original application to prove my case. they advised me that they no longer handle credit and referred me to Synchrony Bank, which took over all PayPal credit accounts in XXXX of XXXX.
I contacted synchrony bank and they advised me that this couldnt possibly be a business account or be switch back to a business account because synchrony bank does not provide business account. They advised me that they also couldnt provide me with the original credit application or credit agreement because they werent the original creditor and advised to reach out to PayPal.
After 2 weeks of back and forth phone calls and disputes filed with credit reporting agencies, I felt I have no recourse.
Today XX/XX/XXXX I received a letter from paypal that my original application that would prove that the credit was ascertained with business credentials and was in fact a business liable account, has conveniently disappeared.
The facts remain, the credit was applied through my business credentials, at no point have their ever been a missed payment or late payment. This account has always been in good standing. Once Synchrony Bank took over PayPals credit accounts, my business credit account automatically turned into a personal liable credit account. And neither company can or is willing to produce the original credit application or customer agreement to show that this was originally a business account. All they claim to say is only because my name only was associated with it I have become personally liable.
|
| 01/26/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX I ordered a TV stand and additional items from Ashley Furniture. I made a down payment on the purchase from my own funds and the remaining balance was to be billed to my newly acquired Ashley Furniture Store Synchrony Credit Card account. I paid for delivery and setup of the items. However, the first item I received was drop shipped to my home which was the TV stand. Upon opening the box, it was apparent I received a damaged product and it needed to be returned. I called the store and was informed I would need to return the item to the local store since it was drop shipped. Thankfully I have an SUV and was able to return the item myself and not be inconvenienced further in that regard. I returned the TV stand on XX/XX/XXXX and canceled all remaining items from the order that had not been delivered yet due to the customer service experience and damaged goods. I have receipts for the credits to my personal accounts for the down payment that was made and was informed I may receive one billing cycle statement but after that initial billing cycle, I would see where the Ashley Furniture Store Synchrony card was credited and would reflect a zero balance owed. That never happened. So, I opened a dispute with Ashley on XX/XX/XXXX. I was told any negative reporting would be placed on hold until the dispute was resolved. I've had to file a dispute with the credit bureau to have negative reporting removed once and that was taken care of. But since then Ashley is still showing a balance owed and is now reporting my account 60 days past due which has created a credit score issue for me. I've called customer service, collections, fraud department all to get the run around and no resolution. Finally on XX/XX/XXXX, I thought to try and resolve directly with the local store. I spoke with XXXX XXXX. She was able to locate a credit on their books for {$490.00} that's just been sitting there. She said she wasn't sure what needed to be done with it. I'm assuming this amount is what needs to be sent to Ashley Furniture/Synchrony to update my balance owed to {$0.00} as well as have the delinquent reporting removed from my credit report. XXXX XXXX was supposed to get with her manager on XX/XX/XXXX and call me back. I have yet to hear from anyone at the store. It has been impossible to resolve this issue with the store or the creditor at this point after six months. I've opened an additional dispute with XXXX for resolution as well. Also, it's important to note that at one point Ashley/Synchrony 's credit representative insisted that I never even filed a dispute with them, but I had documentation acknowledging a dispute was opened ( confirmation letter ). I truly need assistance getting the creditor to acknowledge their lack of action to work towards a resolution and how it has impacted my credit score. This is completely unacceptable.
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| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX : Synchrony Bank and myself came to an agreement for me to pay {$1700.00} due on XX/XX/XXXX as a debt settlement. I submitted the amount of {$1700.00} on XX/XX/XXXX at WalMart in XXXX, Massachusetts. I obtained a bank check through my credit union. The women working at WalMart was having trouble entering the payment and had to call her manager for help. After waiting a long time, the manager stated that it was all set. On XX/XX/XXXX, I received a letter from Synchrony Bank stating that the above amount was not paid on XX/XX/XXXX and therefore they were going to report me as bad debt to the credit reporting agencies. I immediately called my bank whom issued me the check. The bank XXXX stated that Synchrony Bank tried to charged them twice for the amount of {$1700.00} and my bank cancelled one of the checks, and the other check was cashed by Synchrony Bank for the amount of {$1700.00}. I called Synchrony Bank and they stated that I did not pay them, and my balance was {$5000.00}. I sent them the documentation, and they finally sent me a letter stating that my account was settled. Then on XX/XX/XXXX I received a court order to appear in court. The document stated that the last payment I made to Synchrony Bank was on {$1700.00} on XX/XX/XXXX ( which was the agreed settlement amount and date ) and that I owed {$5000.00}. I called the collection agency right away which was called Law Offices XXXX XXXX XXXX, XXXX and I spoke to XXXX XXXX, rep. She had me send the documentation over to her. After she reviewed it, she told me I was all set and I did not need to go to court. She also stated that her client, Synchrony Bank made an error and everything is all set.
It has been almost 4 years, and Synchrony Bank is still showing on my credit report through all the agencies as closed but with a balance of {$5000.00} and as bad debt. I tried to call them and all the representative stated that my balance is XXXX and they do not know why the credit agencies have this balance shown. I also disputed it with Experian which stated that the account is closed, but the balance still shows. Recently on XX/XX/XXXX my credit score went down 100 points due to the card.
I tried to refinance my mortgage so I can pay a lower monthly payment and pay it off sooner. I spoke to XXXX XXXX and they stated that they can not give me a loan due to my credit score which is now XXXX. They stated it is because of Synchrony Bank showing that I have balance of {$5000.00} and it says charged off as bad debt. I explained to the story, and they stated that until that says balance XXXX or is taking off my credit report I can not get a loan. I also spoke to my bank who still can not believe that I am still dealing with this.
I have spent hours of the telephone, sent letters, faxed papers. I really do not know what to do next. I am praying you can help me.
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| 06/11/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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On XX/XX/XXXX I went on to my XXXX XXXX XXXX website to pay off my card. I had previously submitted 5 other payments with my XXXX XXXX XXXX account and they were all successfully taken. However, on the same day XXXX XXXX XXXX rejected my payment method stating that my bank did not support this type of payment. Which I found to be absurd and was untrue because I had other cards that I also paid off in full with this same XXXX XXXX XXXX XXXX account and they were all successfully accepted and paid. I called in on XX/XX/XXXX and again tried to resubmit my payment with the same XXXX XXXX XXXX account. Again on the same day they rejected it. I went on line XX/XX/XXXX and tried to submit another payment. I attempted to submit the total amount of {$390.00} to pay off the card. I then received an email on XX/XX/XXXX stating my {$25.00} payment was accepted.
So on XX/XX/XXXX I went back online to pay my {$390.00} payment. I was rejected stating I need to pay {$360.00} because the amount of {$390.00} was greater than the current balance owed. I went ahead and submitted {$360.00}. On XX/XX/XXXX I received a text from my banking institution stating that I was negative in my account. It was because the XXXX XXXX XXXX went ahead and charged me twice for the amounts of {$390.00} and {$360.00}. I was upset and concerned. I called my bank institution and advised them that the amount of {$390.00} was unauthorized and did not know how or why this was charged because their website clearly stated it would no charge me. My bank in turn returned both payments of {$390.00} and {$360.00}. I went ahead and paid off my XXXX XXXX on XX/XX/XXXX in the amount of {$380.00}.
Today ( XX/XX/XXXX ) I went on to ensure that this payment was successfully paid and taken to find out they closed my account because of to many returned payments. I contacted their representative via Live Chat and was told that because I have returned too many payments, the account is now considered closed. I am highly upset. I am in the process of trying to get pre-approved for my very first home loan. Improving my score has been a 2 year struggle and battle that I am excited to say has now paid off. The fruits of my labor have been a long trying journey. I have never been late on any card. Paid off on time what I could and now that XXXX XXXX XXXX is closing this card they are hurting my XXXX XXXX, for closing my card at no fault of my own. It was not my doing that they double charged me or that they would not accept my XXXX XXXX XXXX XXXX account. Now I have to pay the consequences of having an account closed which has had impeccable payment history for the last year and has even been paid off in full twice! I am requesting for them to retract the closure of this account or if it can not be done for them to completely delete the entire trade line off all three credit agencies.
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| 04/11/2017 |
Yes |
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Web |
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I applied for a banana republic credit card when I went to XXXX to buy some clothes several months ago. As I and my colleges remember, I apply for the credit card just because we can get a discount ( like 15 % discount ). We did n't really make payment through the credit card because we made payment by using other cards, not to mention the banana republic card has not been issued on spot.
Surprisingly, after several months, the staff of Synchrony Bank called me for several times and also send me emails to remind me that I have to make a payment for their credit card. At first, I did n't pay attention to these emails and calls, and I suppose they just made a mistake and it has nothing to do with me since I have neither received the banana credit card nor use the credit card to make a payment. Then, I received email again, and out of caution, I call them back to figure out what has happened. The staff told me that I have to pay for XXXX dollars or so. Actually, I did n't hear them very clearly, but to avoid any possible trouble ( It 's the first time I come to America and I really do n't want to be involved in any trouble ), I just made a payment on Synchrony Bank 's website using my XXXX card. Also, the staff told me that all I need to do is to pay for XXXX dollars, and they will not call me again.
Recently, the Synchrony Bank 's staff called me again to ask for a payment ( XXXX dollars or so ), and I 'm really unhappy and fear that they just keep an eye on me and try to extract as more money as possible. I ask them why they call me again since I have n't received the card, I never used the card, and I have paid to them several months ago ( as I have said above ). Again, to my surprise, the staff told me that I have to pay them XXXX $ per month, and I even did n't know this rule! Also, they have never told me that I have to pay for XXXX $ per month. Otherwise, I would never apply for their credit card when I go to outlets! It 's totally unreasonable and unfair. So, I think the banana republic credit card and the Synchrony Bank 's behavior is something like financial fraud. In this case, I decide to file a financial complaint online. I will try to demonstrate that I have paid them XXXX dollars out of no reason, and I will not pay XXXX $ to them again because they really deceived me on this issue. Furthermore, I am not sure if any other residents in America have been involved in the troubles triggered by the Banana Republic credit card and the Synchrony Bank. So, please help me and make it clear why they can unreasonably charge for XXXX $ per month just for the annual fee or something like that. If possibly, I also want them to give back XXXX dollars to me.
I am a newcomer in XXXX, and my XXXX is poor. If you have trouble reading this complaint letter, please understand me and give me some support. Thank you very much!
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| 10/19/2023 |
Yes |
- Debt or credit management
- Debt settlement
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- Didn't provide services promised
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Web |
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Dear XXXX XXXX, I am writing in further response to your letter dated XX/XX/2023, regarding accounts ending in XXXX and XXXX. While I appreciate you taking the time to respond, I believe there are certain XXXX XXXX XXXX and federal regulations that require you to provide validation and accounting of these accounts.
Pursuant to the Uniform Commercial Code ( UCC ) 3-501 and 3-505, as the account debtor Synchrony Bank is obligated upon presentment to provide validation and evidence of the accounting and status of the loans, or otherwise provide notice of dishonor. Furthermore, under 16 CFR 433.2 of the Federal Trade Commissions Holder-In-Due-Course Rule, Synchrony Bank must provide notice to the consumer of any assignment or sale of the debt and preserves the consumers rights to demand documentation and proof of claim from the original creditor. Bear in mind that my financial instrument was securitized via Synchrony Card Issuance Trust. Your XXXX XXXX XXXX XXXX XXXX has a fiduciary duty to shareholders as trustees of the Trust, thus must uphold UCC servicing laws.
As per 12 CFR 226.17 of Federal Reserve Regulation Z and 12 CFR 1022.121-1022.122 under the Fair Credit Reporting Act, I demand a full verified accounting of the current balance owed, as well as documentation fulfilling the error resolution and loan record furnishing requirements for any account information furnished to credit bureaus or third parties.
Additionally, pursuant to UCC 9-210 Synchrony Bank must provide an accounting of the unpaid indebtedness for these credit agreements secured by collateral. In summary, failure to provide the requested validated proof of claim and accounting of the status and payment history for these accounts constitutes breach of Synchrony Banks legal obligations under the stated federal and uniform commercial statutes.
Additionally, 673.1041 of the UCC preserves my rights to discharge debts through alternate forms of payment. Any 1099-C, 1099-OID, or 1099-A forms Synchrony Financial files with the IRS regarding my account must also be provided to me as the consumer for accurate tax reporting, for any canceled/discharged debt over {$600.00} ( per IRS rules for Form 1099-C ). Failure to provide these forms constitutes as tax fraud. I am requisitioning valid proof of the claim notarized under penalty of perjury of the accounting on the public and private side of my account.
As asserted in my previous letter, UCC 3-601 preserves your rights as original creditor to collect on or settle these accounts regardless of their charge-off status. Thus, I formally request settlement and closure of these accounts by payment to your institution, as the originating creditor and security holder. Please confirm within 30 days your willingness to accept payment and validate these debts under the required commercial laws.
Regards, XXXX XXXX
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| 03/07/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I placed a living room order with Rooms To Go far back in XX/XX/XXXX, and after careful consideration of my living room layout and wall color, which resulted in some changes to the order as deemed acceptable by the sales man ( XXXX XXXX ) at the time, so far the price of the selected item is not more than what is on the package.
We settled for the items below : XXXX Pc Living Room Package {$2400.00} List of Living Room Package Stationary Love Seat Recliner Sofa XXXX ( Nos ) End Tables XXXX ( Nos ) Tablr Lamb XXXX '' TV Console Oval Cocktail Table XXXX ' LG LED Card ; Sofa Protection Plan {$120.00} ; Rug Padding {$47.00} ; Decorative Club {$59.00} ; ( Although I never knew this was added, I will take the bite as I should have seen and rejected much earlier ) Rug {$310.00} ; Delivery {$150.00} ; Sub Total {$3200.00} ; Tax ( 6 % ) {$190.00} Total {$3400.00} Payments Made XXXX {$350.00} XXXX {$40.00} Coupon : {$100.00} Total {$490.00} Finance Amount ought to be {$2900.00} but amount showing on the statement is {$3200.00}. Difference = {$310.00} I have made repeated contacts with Rooms To Go even before delivery but got no help on the difference. Had I known this will drag this long, I would have rejected/returned the order way back. As matter of fact, I strongly believed I was dealing with customer focused reputable company that would resolve issue with ease until we called the Corporate office who directed us back to the Store. When they call to see how the items are, we mentioned the ongoing issue and again they said go to the store Since there was no progress, We contacted Sychrony Bank XX/XX/XXXX. They promised to get my proof of claim but even with repeated calls to them, they eventually sent a letter on XX/XX/XXXX, received XX/XX/XXXX stating that they would go with Rooms To Go because we signed the receipts. Please, permit me to ask " If one signs to authorize payment after a purchase from a store/retailer, only to get home to find errors on the receipt / bill, will the signature be a basis not to make claim or request a refund? If anything, I would imagine you will, at the very least, get a proper explanation of why your bill is as is. This is all we have repeatedly asked for. Pretty much let us understand the bill In any event the case was closed, thus our recourse to you. we will attach proof of promotional package price ; picture of what we have at our house and payments made. As for the coupon, it was not returned to us after they collected to apply on the rug.
Again, visiting Rooms ToGo earlier today, XXXX finally offered to refund about {$150.00} dollars which is about half of what is due. This is not acceptable. We are tired at this back and forth and per XXXX, Rooms To Go will not accept the items back because we already took delivery, meanwhile they took over 2 months to even accept we were over charged.
|
| 02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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|
Web |
Older American |
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I was the customer with XXXX I did buy their XXXX in XX/XX/XXXXand paid by my bank card, all done. But I got trick to their offer to try and use their XXXX XXXX, I did try and cancel AFTER they charge me initial try for {$99.00} USD, and monthly they keep charged into my bank card, I cancel and got all the refund back.
In XX/XX/XXXX I have no choice have to look back XXXX to buy their other product : XXXX XXXX, I did buy and paid by my credit card ... this time their products are not working, I have to return, they got it back and promise will refund back to me the amount I pay, and payment never received from XXXX.After I bought their products they also offer me to apply for their credit card, I surprise ... and try to apply ... week later, I got the reject letter from XXXX XXXX notify me I don't qualify, that letter was from XXXX XXXX .... later XXXX send me a card call XXXX XXXX, last year I apply XXXX but NO CARD, this year DIDN'T apply XXXX and got the card .... and ridiculous on the card has a sticker : NO ACTIVATION REQUIRED..! so when you receive, you have it, you are the owner you have to pay what ever thay ask you to pay as the agreement, I never know they have the non sense agreement that I never get it in the mail or by email or asking me to check XXXX page ... XXXX end up I have the letter asking me to pay lamost {$400.00} usd include the late payment which is {$35.00} each poip .... That's the way XXXX trick all customers to buy their products with free shipping.
I complain about XXXX XXXX and they promise and send me back a letter, they did but NOT IN DETAILS .... what product I bought? and they also give me all the refund but later they charged back ... that's is the point I have to write this letter.
Thay start search my credit report, from XX/XX/XXXX until XX/XX/XXXX almost more than 10 times my credit report was searched by XXXX & XXXX XXXX in Florida .... please give me the answer, about the details, FEAR LAW, and PRIVACY LAW PROTECTION .... my privacy was invaded by XXXX & XXXX XXXX at any time they want, they can steal your information to resell to other company online, after XX/XX/XXXX, I got lots of {$1.00} life insurance invitation, car insurance, home mortgage loan and my credit FICO sore was shrink to XXXX in XX/XX/XXXX from XXXX XXXX ....
XXXX XXXX also help XXXX to attack customers at the same time, they never give you WHO COME in to check your credit score, on their FICO score I approved they are excellent rating but after I found they are hired by XXXX then the story is finished with XXXX.
XXXX XXXX send me letter or billing statement monthly, XX/XX/XXXX they treat me if I didn't pay the bill they will let the COLLECTION AGENT TAKE CARE for them, just less than {$300.00} unpaid bill because the wrong charge and overcharged bill and they never send me the details of the charges.
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| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was making a purchase at Banana Republic Factory in XXXX, Louisiana on XX/XX/21. The Sales Representative suggested using my existing Banana Republic credit card in order to earn rewards points. I opted to use my personal general credit card. The Sales Rep persisted in using my XXXX card, so in order to finish the transaction I used my XXXX card. The system did not receive/invalidated the card. I then countered to again just use my general credit card. The Sales Rep kept insisting, and had me call Synchrony Bank ( operating the XXXX credit cards at that time ) in order to verify my XXXX cards validity. The Bank confirmed my card was valid. After trying to swipe/tap my XXXX card again, it declined. The Sales Rep then came up with the reason that XXXX was switching banks and that affected my cards validity. She insisted that she can assist in locating my XXXX account to charge the purchase. At this time I insisted again to use my personal general card. She insisted it will take only a few minutes. After a few moments, she asked me to provide my personal information into the system she was using to locate my information. I asked to confirm that she is locating my existing card, and that this action will not affect my credit report. She said no. I asked 2 more times as she continued to verify my information that this action will not show up on my credit report. She said no. Finally, she called the bank in order for me to verify my Social Security Number, and I asked the phone representative that they are able to see that I already have an existing card and that this is the same account I am trying to access for this transaction. Phone rep said yes. After I confirmed the final piece of information with the phone rep, I was congratulated for my new account. At this point I realized they ( Banana Republic under Synchrony Bank ) opened a completely different account/card under my information. The Sales Rep was dumbfounded as I repeated the confirmation that a new credit card account was indeed opened on my behalf without my consent. I ordered the phone rep to cancel the transaction, but she said she could not and will need to just close the account. At that point, that was my only choice. The Sales Rep did not take responsibility and blamed the training team/material for the grave mistake. I repeated that is why I asked multiple times if this would reflect on my credit report, as well as using my existing personal credit card. Now I had both a hard inquiry and closed account inaccurately recorded in my credit report.
I have attempted to file this incident with XXXX, XXXX, and XXXX. They conducted investigations that all lead to confirming the incident as a valid transaction and have recorded the opening and closing of a second Banana Republic credit card that I did not authorized and was defrauded by the company to open.
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| 04/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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XX/XX/2022 I went online and purchased a printer and an all-in-one computer from the XXXX XXXX. When I purchased the computer and printer I was told I would be able to track my packages from the time of shipping to the time of delivery. On XX/XX/2022 I received tracking information for Printer XXXX # XXXX and the computer XXXX # XXXX. I was able to track printer all the way until delivery, but when it came to computer I could not track it after XX/XX/XXXX. The only tracking info I was given it was loaded on trailer XXXX XXXX at XXXX XXXX. and would be delivered XX/XX/XXXX by days end. On XX/XX/XXXX I received Printer but did not receive computer with my printer like the XXXX supervisor said I would and XXXX sales rep said I would and the chat line said I would. I put in dispute on XX/XX/XXXX about the fact I could not track my computer like I was guaranteed by XXXX when I ordered it and no one at XXXX or XXXX could tell me where my package was from XX/XX/XXXX to XX/XX/XXXX. I felt the computer was compromised and did not want it and on XX/XX/XXXX I put in dispute with PayPal Credit which is Synchrony Bank about the fact that I could not track my package and someone changed my dispute reason to not delivered and I did not say that. They would not change the reason for the dispute they would route me to XXXX or they would hang up on me. They were not trying to resolve my issue that I was having with my dispute and one of their agents on XX/XX/XXXX advised me they put my money back into my account but would not give me proof in anyway when I asked for it and today on XX/XX/XXXX I went to my PayPal Credit account and they have charged me for the Printer and the computer again {$1300.00} when I had already shipped the computer back on XX/XX/XXXX. When I contacted them today, I was hung up on by one representative and the other representative at XXXX advised me they do not handle financial transaction and the woman that did that should have known that. When I called back to get in touch with someone at Synchrony Bank about this problem their automative system did not recognize my contact information like my 4 digit account number or phone number. I am given to believe someone is going into my personal account and committing fraud by changing the reason for my dispute and taking money out unauthorized money out of my account without my permission. When I called back to find out what is going on I am given the run around. My concern is that someone is able to go into my account and change information without my permission and PayPal Credit Synchrony Bank are not trying to help me resolve this issue. Original reason for the dispute was I did not want to pay restocking fees for a computer I felt may have been compromised because I could not track it for 5 days and no one could tell me where it was located, not XXXX or XXXX.
|
| 10/25/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
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|
Web |
Older American |
|
In XXXX, when I purchased an new oven from XXXX, I opened a XXXX credit card, which was issued by XXXX XXXX. In XX/XX/XXXX, the bank informed me that they were closing my account because " a number of dishonored payments ''. However, this was not true and the only payment that had been " dishonored '' was an online payment that was not accepted because of a problem with the bank 's website. After I contacted the bank and told them I believed the real reason they had closed my account was age discrimination ( I am currently XXXX years old ), the bank re-opened my account.
In the winter of XXXX I was having numerous billing problems with my Lowes credit card account. For example, the Lowes bills I received did not include an itemized list of charges, but simply listed the categories of items purchased, e.g. the bill would say " HOUSEPLANT SOILS AND ACCESSORIES ; GENERAL PURPOSE ; COMMODITY SOILS AND SOIL AMENDMENTS '' with a total dollar amount of {$33.00}, instead of listing the particular items, such as XXXX XXXX Potting Soil, 4 lb bag, with the price of each item.
I was also recieving email messages from the bank saying that my payment had not been received and my account was past due. However, the due date listed on the emails were not the due date on my bills, and the emails were sent 7 to 14 days before my payment was due. The bank also had charged me several late fees totaling over {$100.00}. The bank was also charging me an interest rate of 24.99 %! And on XX/XX/XXXX the bank sent me a letter saying they had closed my account again.
In earlyXX/XX/XXXXI filed a complaint with the Better Business Bureau about the bank. OnXX/XX/XXXX XXXX XXXX XXXX, Senior Specialist, Corporate Consumer Relations at XXXX XXXX sent a letter in reply to my complaint and agreed to reverse the late fees totalling over {$100.00} that had been charged to my account, and denied that my " age was not a factor considered in this matter ''. There was no mention of the fact that my account had been closed, but I discovered that my account had not been closed despite the erroneous information contained in the banks letter of XX/XX/XXXX.
In XX/XX/XXXX, when I went to Lowes to make a purchase, the cashier told me that the charge on my Lowes credit card was not approved. When I checked my account online, it appeared my account had been closed again, despite the fact that I had made every payment in a timely manner and my account balance did not exceed my credit limit. The following week, the bank sent me a letter saying they had closed my account, once again, with a list of bogus reasons for doing so.
I believe XXXX XXXX has discriminated against me because of my age. And they have engaged in business practices that are fraudulent, or at the very least, willfully negligent.
Thank you for your attention to this matter.
XXXX XXXX XXXX
|
| 02/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
This is concerning my CareCredit account even though I have made my payments on time never had a bad mark against me not with them or with anyone else on my credit my last payment that I made to them on XX/XX/XXXX for {$5300.00} was made on the website the payment was due XX/XX/XXXX so I made a week in advance I originally start making the payment through my bill Pay through my XXXX XXXX where I have my checking and savings account I entered the information how much I wanted to pay on XX/XX/XXXX I kept checking to see if they made the payment and when I checked the account I saw that they made two payments of {$5300.00} so I went to my branch to take care of this problem my bank told me they will cancel one of the payments and they will inform Care Credit by letter and by phone of what happened the two following days I kept checking and I saw that my bank sent them five payments of {$5300.00} at that point I went back to my branch and told him whats going on and I asked them to stop the payments so my checking account will not be overdrawn and that I will make the payment to Care Credit through the Internet directly to them so I made the payment XX/XX/XXXX it posted that it was paid a day later I see that they posted that I had a {$15000.00} credit because too much money was paid so XXXX XXXX asked for the money back or cancel the payments so Care Credit stop the payments the next thing I know I receive a letter from Care Credit stating that my account was closed because too many dishonored payment I never had a payment go bad with them any checks returned with them or ever had anything bad with them so because they had to cancel the two payments their policy is to close the account but the fact is my payment was made on XXXX XXXX through the website and that brought my balance to XXXX. So there was no reason for them to close the account they shouldve just returned the money back and And leave my account in place this has caused me a lot of pain they reported to the credit bureau and it dropped my score 42 points I tried talking to them and they will not budge even though I explained and they agreed with me that I was a victim they were not willing to make any changes by reinstating my credit card or change the wording Care Credit is blaming XXXX XXXX and XXXX XXXX is blaming Care Credit and I am stuck in the middle I am trying to fight this with two giant companies they will not budge what I believe happened is I had charged {$7500.00} with Care Credit for dental work and it was a promotional that if I pay this bill within six months I will not pay any interest I paid it one month in advance I believe thats one reason And then I also believe because of my age of XXXX years old that the bank doesnt want to take any more chances even though I have a clean record can you please help me on this thank you very much
|
| 10/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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Synchrony Bank has violated my consumer rights under 15 U.S. Code 1691 Scope of prohibition ( A ) Activities Constituting Discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 3 ) because the applicant has in good faith exercised any right under this chapter.
The right that I exercised is the use of credit Definition of credit under 15 U.S. code 1691a Definitions ; rules of construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.
On XX/XX/21 synchrony sent me a letter notifying me they lowered my XXXX XXXX account limit ending in XXXX from {$800.00} to {$100.00} for the following reasons : Too Many Revolving Accounts With High Balance Compare To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With High Balance Compared To Credit Limit Average Time Since Revolving Accounts Opened Is Too Recent The reasons for lowering my limit are not valid because my use of credit was to incur debt and defer payment to pay back the debt over time. Currently we are in a pandemic and the use of credit allows me to provide for myself and pay back later. Im not required to have a real estate secured loan account to be able to use credit. Lowering the credit limit on this account will drop my credit score and cause extreme damage to my credit score and my feelings are hurt due to this. I feel emotional distress. I have been on time with this account and none of my other credit accounts are in negative standing. I feel like Im being punished for no real reason. The action they took to lower my limit could cause other creditors that I have accounts with to lower my limit and basically ruin my credit.
And if this change wasnt enough damage Synchrony Bank then decides to close my XXXX XXXX XXXX account ending in XXXX for the same reasons before : Too Many Revolving Accounts With High Balance Compare To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With High Balance Compared To Credit Limit Average Time Since Revolving Accounts Opened Is Too Recent I Also have a XXXX XXXX card account with Synchrony that at the time of this letter have not sent me a letter that they plan to make an action that will damage my credit by making changes to this account. But, from the 2 actions they have taken so far Im sure they plan to make changes and cause more damages to me and my credit.
Synchrony Bank did not reach out to me at all to see how they can help me as a customer with these accounts but instead closed account and lowered my limit. This makes me no longer want to do any business with them. Just when I thought I was doing good with my credit they decide to XXXX me over.
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| 05/31/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Please help me.
I have called, emailed and faxed care credit at least 50 times since 2020, and about 95 % of the time I am completely ignored, and the times they have responded it has been with a form letter that does not address any of my complaints.
I have also requested my case be escalated dozens of times, I have requested for a manager to contact me dozens of times ; and all requests have been completely ignored.
I have provided Care credit aka synchrony bank with evidence that I do not owe the charges they are claiming I owe, and care credit aka synchrony bank is fully aware that they do NOT have my signature on many of these charges as they were NOT authorized, and they were simply charging my accounts because they had the information and that I was overcharged and double charged. I provided documents and emails that proved that these overcharges and double charges were made without my presence, approval or knowledge. I also provided them with documentation that the services were NOT rendered and as a result my XXXX cat suffered immensely and died as a result of extreme negligence and malpractice, and a completely botched XXXX they attempted to cover up. I provided documents that proved that the XXXX was botched and that the foreign tubular object was never removed from my pet 's chest and that on top of that additional damage was done as they broke his xiphoid process during XXXX, and then tried to cover all this up. I provided them with the CT scan from before the XXXX, a CT scan after the XXXX and the necropsy report, which all prove that the XXXX was botched and that they did additional damage during XXXX!!! I also provided Care credit with veterinary malpractice bills that have been written because of what happened to my pet, as well as a letter from our state representative XXXX XXXX, who clearly instructs Care credit and advises Care credit that these charges are not owed, and that he has written bills in the state of Arizona to address veterinarian malpractice because of what was done to my pet XXXX. CareCredit has ignored me completely and continues to send me bills, even the credit bureaus took this off my record due to the preponderance of evidence that this debt is not owed. Please help me and stop them from continually harassing me and reminding me of what was done to my beloved pet. We now have three bills in the state of Arizona to address the vet malpractice in this state. I'm happy to provide you with all the documentation, please let me know where I can email it because I am limited as to the documentation I can provide here, it is not letting me upload files larger than 10 MB and I have many additional files that are larger than that.
Please help stop this harassment and illegal attempt to collect money is not owed.
Thank you very much for your assistance in this matter.
XXXX XXXX
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| 12/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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Reference is made to CFPB XXXX. I am refiling this complaint because the response from Synchrony Bank is not factual. They state for security reasons they cant respond to someone who is not listed on the account. However, they are reporting to the national credit reporting companies that I am a co-owner on my wifes account as indicated on the document that I will upload with this document.
This dispute centers on a purchase that appeared on my wifes XXXX monthly statement. My wife is totally disabled and it is not possible that she made any purchases, either in person or on line. XXXX refused to speak with me, indicating that the account belongs to my wife. I provided them a copy of a durable power of attorney, but they have rejected that also, indicating that they want my wife to notarize it and sign it again. The original document is signed, notarized by the attorney who wrote, with his seal affixed. I have also uploaded a copy of this document. Requiring my wife to sign it a second time is unreasonable as she can not hold a pen or sign her name.
XXXX turned the matter over to Synchrony Bank for further action. Synchrony also refuses to allow me to be involved as a matter of security.
Synchrony has rejected not only my CFPB complaint, but also a similar one that I filed with the XXXX XXXX XXXX. In both cases they state that they cant respond because the complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. If this is true, then why is Synchrony Bank reporting to the Credit Reporting agencies ( XXXX, XXXX and XXXX ) that I am a joint owner on my wifes account? I have provided Synchrony Bank a copy of my wifes account as it appears on XXXX and asked them to explain this dichotomy, but havent received the courtesy of a reply. I guess their de facto answer is that Im still not authorized, so why bother with a reply.
Separately, I had asked that my XXXX account be closed, as Ill never spend another dime with them. Synchrony Bank sent a confirmation letter that was also addressed to my wife. If indeed they are so concerned about security on our individual accounts, didnt they just violate security by addressing the letter to someone who is not listed on the account or loan or authorized to receive the consumers financial information?
I do believe that I have more than adequately demonstrated that I do have standing to address the issues with my wifes account. Furthermore, if Synchrony Bank truly believes that I am not authorized to assist my wife in this matter, ask them what provisions, required by Federal law, have they made for a disabled person? Writing to someone who cant hold a telephone, dial a number, or even hold a conversation and telling them to call if they have any questions, clearly doesnt meet the Federal requirements.
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| 09/10/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To whom it may concern : The billing issue began with an erroneous charge by Amazon to my Amazon store credit card for Amazon Prime. I never authorized or agreed to a prime membership trial. XXXX XXXX, my father, opted into a trial, but he cancelled the prime membership before the expiration of the trial period. Same household email. I have provided email verification of the cancellation of the prime membership trial that was received and acknowledged by Amazon before the expiration of the trial period on multiple occasions. I initiated a dispute regarding the charge to my credit card back in XXXX of XXXX. I have spent numerous hours on the phone with Amazon and Synchrony bank trying to resolve this issue since XX/XX/XXXX. During this time, Synchrony back has continued to charge late fees and interest. I finally received satisfaction 17 months later by way of an email from Amazon dated XX/XX/XXXX crediting the credit card account for the prime membership charge in the amount of {$120.00}. I was told by the Amazon representative that they would be in contact with Synchrony Bank. I was advised to call Synchrony Bank just to follow-up with them, which I did do. I was told that the account correction could take XXXX billing cycles to show up on my bank statement. Any interest, penalties and fees would be credited to my credit card by Synchrony Bank leaving a zero-dollar balance. Also, I discussed that any credit bureau reporting needed to be removed and /or corrected to reflect no late payments, balance issues or a closed account that will affect my credit score.
I received a request from Synchrony Bank requesting additional information. I faxed the information to Synchrony Bank as instructed on XX/XX/XXXX. I received an email on XX/XX/XXXX from Synchrony Bank. The email states " Hi! Thanks for working with us on your recent Amazon Store Card credit account dispute, resolved on XX/XX/XXXX. We hope your inquiry was handled quickly and easily! '' I called Synchrony Bank on XX/XX/XXXX to confirm that this was finally resolved. I was told that the email was not generated by Synchrony Bank and that there was still a balance of {$430.00} on the account. XXXX at Synchrony Bank transferred me to a manager, XXXX and after 60 minutes she indicated that she was submitting this for further review as a " work case '' and I should hear something in 1-2 billing cycles. I have spent numerous hours trying to get this resolved. It has gone on for 19 months because Synchrony Bank is always going to make corrections in 1-2 billing cycles and then doesn't take care of it. I have spent hours of my time to correct this erroneous billing issue, late fees and interest charges and this error on Amazons part has caused unnecessary frustration for over a XXXX XXXX and it has ruined my credit.
Thank you for your attention to this matter.
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| 08/14/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Dear CFPB Officers, On XX/XX/2022, I have made a purchase on XXXX for an order that requires signature. My previous order was lost because XXXX left it unattended and did not collect my signature although XXXX said, " Signature required at time of delivery '' on its " Place Your Order '' page ( I also filed a complaint about it with CFPB moments ago ). This time, I decided to stay at home during delivery time frames to make sure my order was fulfilled correctly.
An XXXX delivery guy threw my item in front of my doorstep and ran away, again. I caught him on his way, confronted him, and asked him why he did that although my order was classified as signature required. He asked if I still want it or not, he said he did not have time, and if I don't want it, I can give it back to him. Frustrated, I decided to open the package to make sure it was OK as he threw it violently. Surprisingly, I realized that was not I ordered although the name on the package is mine.
I asked him about this, inspected the package with him, and asked him to be my witness in case XXXX argue about this. The XXXX delivery guy took out his phone, called somebody that seemed to be his manager, and asked me to talk with him over the phone. The " manager '', together with the delivery guy, encouraged me to return the item for a full refund. Importantly, they assured me that I can return it to the delivery guy right at the scene. I doubted a little bit, but still agreed to do so.
All of the incidents are recorded using my cellphone since I was recording a video for my friend to look at my house at that time.
I also believe that the video is a proof of returned merchandise since it shows that XXXX delivery guy left with my returned item on his hand. Besides, the video proves that the item I received was different than what I ordered on the website, and XXXX delivery guy left my package unattended, again ( despite the fact that my order was " signature required '' ).
I have provided XXXX as well as Synchrony Bank all above information and asked for a full refund. Again, they refused to do that and kept asking me to provide the tracking info of the returned merchandise, which is not applicable in this case.
As in the previous complaint against XXXX and Synchrony, they kept repeating one thing and ignore all my points although I sent them the proof of returned item and wrong item delivered.
XXXX must seriously take the major issue of not collecting customers ' signatures for signature-requiring-orders. With some research, ones can easily find that many customers also caught XXXX delivery guys signed for customers or marked the order as " handed directly to resident '' although the order was left unattended. I have friends working in XXXX XXXX delivery department and they also confirmed that this issue is true and happens all the time.
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| 11/24/2016 |
Yes |
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Web |
Servicemember |
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I 've been going through divorce proceeding for over 1 and 1/2 yrs now and as of XX/XX/XXXX, waiting for the judges decision-until then I am powerless as my estranged husband quit paying on our Syncrony Home credit card for XXXX furniture since XXXX. The bill is in my husbands name and I was only an authorized user. I did not take my name off as my husband did on accounts that he was an authorized user for so that I could still have access since I was the one who made sure all of our bills were paid on time for 25 years. I found out my husband quit paying on the account since XX/XX/XXXX after a registered letter came to the house in both our names when everything was just in his name. He is the XXXX of our county and seems to be able to do what ever he wants where as I have been rendered powerless to protect my credit. I have called Syncrony to make 'emergency ' payments so the account does n't go to a collection agency or the furniture I was given to keep does n't get repossessed. Syncrony is unwilling to work with me on stopping late fees and lowering payments so I can catch up for my husband not paying on the account unknowing to me. Syncrony certainly takes my payments, but reported my credit as bad to the credit agencies when I 've had good credit for years. I am powerless to do anything as we have a financial restraining order and I am unable to open any new accounts- I am trying to keep our home and am barely making ends meet while my husband has kept his salary to himself yet quit paying on agreed upon bills with out my knowledge. I ca n't do anything until the judge gives us our final decision. Meanwhile, many other credit cards are helping me with hardship programs ( low interest rates, lower payments, waiving late fees so I can catch up ... ) I called Syncrony several times from the number that was on a registered letter that promised to help me if I called. I got robotic, non-English speaking, uncaring representatives on the line that said my 'divorce ' was not a good enough reason, yet one of the other reps asked me if my household income has decreased ... .well yes, it has-by XX/XX/XXXX! This is criminal & I am only making his payments so the furniture he gave to me does n't get repo-ed! Help me please! The representative that said the divorce was not a good enough reason was unwilling to expand any further on my situation ( as he was the XXXX person I was transferred to ) and did n't even ask if my household income had decreased-I had told my long story 3 times already and was tired of telling it & was n't able to inform this rep of this in hopes that it was 'a good enough reason ' to help me. There has to a better way as this bill will eventually be paid off as soon as a decision is made by the judge. It is criminal what they are doing to me now when I am only giving them money I do n't have.
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| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by XXXX USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Synchrony Bank/ PPC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Synchrony Bank/ PPC , the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Synchrony Bank/ PPC whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Synchrony Bank/ PPC never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 02/10/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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In XX/XX/XXXX, I noticed that I started receiving statements from Synchrony Bank related to a card from them that I had not used for over three years, a card I did not have in my possession. I contacted them at that time by phone, and was assured by a customer service representative that they were going through and cancelling all the charges. Some charges were cancelled, but over {$1000.00} of charges were not.
In XX/XX/XXXX, I noticed that I was still receiving statements and logged into my account. I sent Synchrony a message via their online portal asking them to resolve the fraudulent charges.
In XX/XX/XXXX, I noticed I was still receiving statements and went to complain again. I noted that Synchrony had notified me that I needed to call in to start a fraud claim, so I did so : I was on hold for a total of two hours before I was able to get ahold of a fraud agent and begin the fraud claim. I received a form letter informing me that Synchrony was going to temporarily reverse the charges during the fraud and would notify the credit agencies about the fraud. During this call, I requested that my account be cancelled, because I was unhappy with the customer service I'd received over the previous six months.
Later in XX/XX/XXXX, I was informed by the credit agencies that Synchrony was reporting my account for non-payment, despite the active fraud investigation, and my credit rating dropped as a result. I attempted to log into the Synchrony site to complain, but they have removed my account from display and I have no way to contact them except via phone and excessive hold times.
On XX/XX/XXXX, Synchrony informed me that they were denying my fraud claim. They claim that I authorized the purchases, that I've made payments on the account, and that I've been receiving statements about the account for over 12 months, all of which are false. I have not authorized any payments to Synchrony bank since these charges were posted, I have only been receiving statements since XXXX or XXXX, and I was in no way involved with these charges being made.
My card was stolen, I'm a victim of fraud, and Synchrony refuses to recognize that fact. I have many other credit cards with much higher balances, and I have adequate income to make payments on the Synchrony account. Furthermore, Synchrony has locked down access to my account information online, so I can't even provide screenshots of statements to support my case, which is blatantly scummy, anti-consumer behavior.
I value my credit rating more highly than I value a cheap buck at Synchrony 's expense. I have NO MOTIVE for committing fraud against Synchrony, as it would cost me more in interest on future credit than I'd gain from the fraud itself. I refuse to be shaken down by this company for actions taken by a criminal who stole my card, so I'm issuing this complaint.
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| 03/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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RE : Synchrony bank says I didn't make my payments and charged me a late fee, I have cashiers check receipts for XXXX & XX/XX/XXXX Payments I received a statement from Synchrony MC/Syncb, XXXX XXXX XXXX, XXXX GA XXXX on Saturday, XX/XX/XXXX stating my account is over due by {$140.00}. On XX/XX/XXXX at XXXX XXXX, I called the phone number ( XXXX ) XXXX, got a representative by the name of XXXX, who refused to give me his id number. I asked to be transferred to a supervisor.
Problem. I explained that the statement that I received for this month says that I am past due. I explained to this representative that I have a copy of a cashiers check showing that I made a {$60.00} payment for XXXX XXXX payment which showed the minimum payment due was {$50.00}. This cashers check is dated XX/XX/XXXX. My payment due date for XXXX was due by XXXX XXXX, XXXX. I mailed my payment out XX/XX/XXXX which gave more that 15 days for my payment to be received. Synchrony charged me a {$29.00} late fee, when I used the statement address coupon slip that the company sends and this address is where I always send my payments. I explained to this company that there is a possibility that my payment could have been credit to the wrong account. Synchrony is not interested in finding out what happened to my payment, they found it easier to charge me the late charge of {$29.00}. They need to find my payment. I always make sure my account numbers are printed on the cashiers check.
Headquarters XXXX XXXX XXXX, XXXX, OH XXXX XXXX File Opened : XX/XX/XXXX Years in Business : 88 Business Started : XX/XX/XXXX Accredited Since : XX/XX/XXXX Type of Entity : Corporation Number of Employees : 16000 Alternate Business Name Synchrony Financial Care Credit XXXX XXXX XXXX Read More Business Management Ms. XXXX XXXX, President/CEO Mr. XXXX XXXX Ms. XXXX XXXX Products and Services Synchrony ( XXXX : SYF ) is a premier consumer financial services company delivering customized financing programs across key industries including retail, health, auto, travel and home, along with award-winning consumer banking products. With more than {$140.00} XXXX in sales financed and 80.3 million active accounts, Synchrony brings deep industry expertise, actionable data insights, innovative solutions and differentiated digital experiences to improve the success of every business we serve and the quality of each life we touch. Our financial expertise spans key product areas, including apparel, electronics and appliances, home furnishings, automotive, power products and sports, jewelry and luxury, other retail, elective healthcare procedures and services, and more. Additional information can be found at www.synchrony.com and through XXXX : @ Synchrony.
Sychrony Bank Customer Service - ( XXXX ) XXXX XXXX XXXX XXXX.
XXXX, OH XXXX http : //www.synchrony.com ( XXXX ) XXXX
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| 08/07/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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To whom this concerns : We went through XXXX XXXX to order our kitchen cabinets, sinks, livingroom cabinets, laundry room cabinets and sink, 5 toilets, vanities and many of the items needed for our home build. I am very disappointed with the service and follow up nearing the end of the installation process.
For our kitchen, many of the items ordered were the wrong sizes, came damaged and when we called to see the estimated time-line we could not get ahold of anyone at the XXXX XXXX XXXX XXXX Even though we purchased our XXXX farmhouse sinks from XXXX at XXXX, the wrong sink cabinets were ordered delaying our kitchen install by a month and a half. The same happened for our filler and panels, many of the items ordered were incorrect colors, sizes, were never ordered or never arrived ( even to this day ).
We started the entire kitchen process back in XX/XX/2022, and have yet to finish the kitchen, Laundry-room and living room bookshelves.
We provided XXXX XXXX all the specs of our appliances that were purchased over a year ago, yet the wrong refrigerator framing was ordered. We are still awaiting the correct framing, although no one knows if it's actually been ordered. We spoke with XXXX at the XXXX store and he could not give us any information ; we called the installation number and the representative said there were no outstanding orders.
Also, we ordered a spice rack and it is missing, and there isn't a cabinet to fit it. We have a cutting board with no where to put it, and the wrong silverware organizer ( too small for all the drawers ). The wrong items -- the wrong sizes.
I am very upset with the handling of my complaint. We still have the wrong items, and no tracking number for the fridge frame. Our kitchen looks horrible and we are hosting for XXXX. This is outrageous and egregious customer service.
Again, we are very disappointed with the service given us, especially since we have spent so much money at XXXX for our home build. It is very difficult getting any resolution in a timely manner and we are exhausted calling and visiting the store for answers.
Our typical hold times are XXXX hours and when we go in person most of the management is away or in meetings for an hour+.
We have a garage full of wrong items that we are being charged for on our XXXX card. We asked for itemization and for these items to be removed and customer service is not calling us back or providing this information.
We are seeking immediate attention to our kitchen project and a speedy resolution to these outstanding issues mentioned above. We also want the wrong items to be removed from our bill. If they can not do this we need a reduction of the charges as we will have to hire a private XXXX to finish the job and provide the right materials.
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX
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| 04/02/2015 |
Yes |
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Web |
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Care credit credit card ( Synchrony Financial ) did not refund the charges made by dentist XXXX from XXXX located at XXXX, CA XXXX for {$2500.00} now they are charging me with {$5200.00}. On XXXX XXXX i went to see dentist XXXX for a replacement of a XXXX. XXXX broke my XXXX, which was not included in the treatment while he was removing the old XXXX. After abusing behavior that included violent word, XXXX failed to refund the {$2500.00} in CareCredit charges. I did not go through the treatment since XXXX broke the XXXX that was not part of the treatment. I cancelled the entire treatment but XXXX refused to accept it. I went personally to show him the XXXX he broke with his dental tool while he removed the XXXX, but instead of accepting it, XXXX started speaking to me in a violent manner. XXXX made me laid in his dental chair, and approached his face really close to mine and started screaming at me. Forced a XXXX. It only made it worse. Now is XXXX while i eat. The XXXX and needed to be replaced. That XXXX was placed a year earlier by XXXX XXXX, and did not need it to be replaced. I complaint with CareCredit credit card for the charges, to remove the charges. CareCredit did not removed the charges. I complaint several times to them, but nothing has been done since the incident with dentist XXXX from XXXX since XXXX XXXX, So, today XXXX XXXX, XXXX, CareCredit called me from CareCredit Collection to notify that i own {$5200.00} because of interest charges and financial expiration charges. And sent a statement of the {$5200.00} that I need to pay. Last time i made a payment was onXX/XX/XXXX for a {$240.00}, and it was when I owned only {$2000.00}. Now according to the statement I have to pay {$5200.00}. The remaining balance was due to dentist XXXX charges without providing dental services and without refunding the charges XXXX knew i was not agree on. Care Credit failed to correct, even when I filled several complaints through them and now they XXXX the amount charged by dentist XXXX. After calling many times, they only care of how much more care credit are over changing my care credit credit card. Now collection from CareCredit want me to start paying minimum balance of {$470.00} to pay the overcharge balance of {$5200.00}. Neither Dentist XXXX from XXXX not CareCredit are willing to refund the amount or correct the amount. Now Care credit collection are calling me to pay a service that I have never agree to and never received the product in this case the crowns or service. I did not went through any implant procedure with XXXX, due to XXXX abusive and aggressive behavior, XXXX placed XXXX of the XXXX ( XXXX ), but it was paid by my XXXX XXXX XXXX, it was about {$1500.00} that XXXX charged my dental insurance only for XXXX XXXX. XXXX address XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX
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| 12/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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|
Web |
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I've discovered I've been charged thousands of dollars going back to XXXX for a " service '' I never agreed to nor even saw any acknowledgment option for. Below are some notes from my calls with Synchrony.
I was informed by Synchrony Bank employee XXXX XXXX I would be 'getting everything back ', but the department was closed and I would have to call the XXXX -- -- - CALL ONE : XX/XX/XXXX, XXXX XXXX, TOTAL 29 MINUTES - Transferred from XXXX Customer Service XXXX XXXX XXXX to Synchrony Employee XXXX XXXX said verbatim 'I would get everything back ' at XXXX XXXX -- -- - CALL TWO : XX/XX/XXXX, XXXX, XXXX ' 'Employee ID ' XXXX XXXX Employer XXXX XXXX ' Customer Care representing Synchrony I described this practice to the employee a " fraudulent billing practice '', billing a customer money without their agreement for a service they have no knowledge of even having been 'enrolled in " by the biller.
I've discovered other people who have had their refunds assisted by the CFPB for the wrongdoings of Synchrony 's " CARD SECURITY '' billing practices and was suggested I also file a complaint.
Instead of helping me, this agent kept on saying it is 'not her department '. I reiterated several times I'm not talking about outside fraud, but an unscrupulous billing practice by Synchrony and that I am indeed at the correct department as instructed by Synchrony themself. This person laughed as she gaslighted me saying " oh no but you said fraud so I won't help you '' even though I was at the right place causing me to get extremely frustrated.
I believe these are retention agents that are incentivized to not refund money and get us to hang up the phone. She informed me 'she had no supervisor ' at first. I believe this practice is illegal. Later in the call she said she did say she requested a callback from a supervisor, clearly indicating she was lying and thus had incentive to get me to hang-up the phone to avoid a bad survey or to increase her retention rate.
-- -- - CALL THREE : XX/XX/XXXX, XXXX, XXXX - Employee/Call Ref ID XXXX ', XXXX XXXX ' aka XXXX XXXX representing Synchrony I then called the same line back and did indeed have some of the money refunded by XXXX, but not the full refund I am entitled to as someone who was billed for something without their knowledge or explicit agreement with any sort of knowing of said program 's enrollment or cost.
She escalated to a supervisor, and instructed me I would have to either call back again or wait for a callback. It doesn't sound like she has any kind of actual relation to these supervisors and couldn't tell me certainly it would actually even happen.
-- -- - I also can not even see in my XXXX STORE CARD portal the full amount I have been billed for this program I had no knowledge of. Please verify the total amount I have been charged from the beginning.
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| 09/16/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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I would like to discuss the very legal but shady with lack of morality and empathy that this company inflicts and practice on the consumer. I will be forwarding this complaint to the consumer financial protection bureau as well as my state congressmen. Over the years I have worked really hard at trying to raise my credit score. Serving in the XXXX XXXX and being young I didn't realize just how important credit was until I became older. I open a line of credit with Rooms to GO financed by Synchrony. Not because it was my only option but because I saw it as a way to build upon my credit. It should also been known that I didn't seek out the financing. It was brought to my attention by a sales associate at the store. It was a pitch given at the sales desk that I'm sure most people can relate to. During the COVID pandemic, I as an 1099 contract worker loss a great deal of business due to the nature of my job. Needless to say I'm not making as nearly as much money as I was. Due to this I have relied on my credit which has caused my utilization on revolving credit to jump much higher than the normal 25-30 % range that I kept it at pre-pandemic. With that being said I have still been able to make payments on time and make at least the bare min payment each month. It has been a real struggle but something that I take pride in. ( Again it was hard work building my score ) Although, I was making on time payments, I noticed that Synchrony had been decreasing my credit limit over the span of three months and each month my credit score would drop a few points. On XX/XX/XXXX I received a credit alert from XXXX saying that synchrony had closed my account. I was livid! On XX/XX/XXXX I called and was told my account was closed because " federal law mandates '' Synchrony to obtain credit reports and that because of this they closed my account due to " high utilization scores '' Here 's the issue! Synchrony is basically punishing me for trying to survive! While I didn't use the card during the pandemic, I depended on the card for credit score purposes. Although, synchrony can see I have have high utilization with other accounts they cant see how the other companies are working with their consumers during this rough period of time. They should also see that the same accounts that they are trying to penalize me for HAS NEVER BEEN late either! So instead of working with the consumer this company much rather punish them by further harming FICO scores. What made the situation worse was the agents response " well if you read the terms of agreement '' you would understand it's legal '' Noted! I also read some of the company responses here on XXXX stating ' that synchrony isn't a credit bureau and therefore isn't responsible for the credit drop. This screams predatory... I will not rest until this is federally addressed! PERIOD
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| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As a federally protected consumer I have the right to privacy. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states ' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. ' XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublicpersonal information. ' 15 USC 1681 section 604 a section 2 states that " In general Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX snd any furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A finacial institution may NOT disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' None of these credit agencies ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code Section 1681 s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The code also states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR S 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As a federally protected consumer I have the right to privacy. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states ' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. ' XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublicpersonal information. ' 15 USC 1681 section 604 a section 2 states that " In general Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX snd any furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A finacial institution may NOT disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' None of these credit agencies ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code Section 1681 s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The code also states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR S 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
|
| 05/07/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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I visited a website at toyonly.shop after seeing an ad on XXXX. I placed an order for a XXXX XXXX XXXX through Paypal credit in the amount of {$99.00} on XX/XX/XXXX at XXXX XXXX. After completing the purchase, I continued browsing the website while waiting for my email confirmation. After a few minutes, I started to suspect that the website could be fraudulent. I never received an email confirmation for my order. I also did some investigating on the website and could not find any " Contact us '' page so there was no way for me to initiate a refund or even contact the seller. I also checked the website domain and found that the domain had been registered just 3 days prior. Additionally, the website, as of this day is already no longer up and running. On the same day on XX/XX/XXXX, I started a claim with Paypal through their Resolution Center because PayPal has a buyer protection policy. I explained to them my situation and asked that they help me resolve it. They sent me an email saying that they've contacted the seller and were waiting for a response. On XX/XX/XXXX at XXXX XXXX I received an email from XXXX informing me that the seller added shipping details and provided a USPS tracking number. I'm not sure if the paypal email was actually sent from paypal or a spoofed, fraudulent account because when I checked the claim tracker on the Paypal website 's Resolution Center, it remained in the step " waiting for response from seller ''. Regardless, I checked the tracking number that was provided in the email. In the tracking history, it showed that the item was picked up by shipping partner on XX/XX/XXXX at XXXX XXXX. I didn't even place the order until XXXX XXXX that day. Even if it's a different time zone, XXXX XXXX EST would be XXXX PST so there is absolutely no way that this was a legitimate tracking number. The Paypal Resolution Center claim tracker was still in " waiting on seller '' step so I just waited. Finally on XX/XX/XXXX at XXXX XXXX I received an email from Paypal stating that they finished reviewing my case and that they were going to deny my claim and close it. They said that the reason being the seller provided tracking information and it showed that it was delivered. They did not allow me to comment on the issue such as the issue with the time or even dispute the decision. I tried submitting a new claim as new evidence did surface since I submitted the initial claim ( the new evidence being the bogus tracking number that they provided as well as the website no longer being up and running ). I don't believe that Paypal handled my case properly. They did not allow me to initiate the refund even though I discovered the issues immediately and then ultimately sided with the " seller '' even though the evidence that the seller provided only further proves that it was a fraudulent sale.
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| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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|
According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( SYNCB/PPC ) , is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( SYNCB/PPC ) XXXX the financial institution, and the Consumer reporting agency XXXX does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, or SYNCB/PPC , whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 6802 ( b ) ( c ) states, that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' SYNCB/PPC Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
|
| 01/02/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
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v Exit XXXX XXXX : CustomerXXXX : Initial Question/Comment : Hello ... My account is closed, yet I earned {$20.00} in cash back rewards ... how can this be rectified?
XXXX XXXX : SystemSystem : Welcome to XXXX XXXX Card Live Chat. Your chat may be monitored and recorded for quality purposes. A chat agent will be with you momentarily.
XXXX XXXX : SystemSystem : XXXX XXXX has joined this session!
XXXX XXXX : SystemSystem : Connected with XXXX XXXX. Your Reference Number for this chat is XXXX.
XXXX XXXX : AgentXXXX XXXX : Hello, XXXX. Thank you for contacting Synchrony Bank regarding the XXXX Store Card!
XXXX XXXX : AgentXXXX XXXX : Let me check this for you.
XXXX XXXX : AgentXXXX XXXX : I do see the account was closed on XX/XX/XXXX.
XXXX XXXX : AgentXXXX XXXX : These are the previous rewards earned which are not active now as the account is closed.
XXXX XXXX : CustomerXXXX : I understand this. However, I am making payments and earned that moeny. why is my account closed?
XXXX XXXX : AgentXXXX XXXX : The account is closed due to returned payments on XX/XX/XXXX, XX/XX/XXXX due to insufficient funds.
XXXX XXXX : CustomerXXXX : even though the account is now current? hmm ... I will be reporting this to the CFPB XXXX XXXX : AgentXXXX XXXX : Please allow me a minute here, please.
XXXX XXXX : AgentXXXX XXXX : XXXX, please wait while I transfer this chat to my manager to assist you further.
XXXX XXXX : SystemSystem : You are being transferred to another Agent. Please stand by ...
XXXX XXXX : SystemSystem : XXXX XXXX has left this session!
XXXX XXXX : SystemSystem : XXXX XXXX Operations Manager has joined this session!
XXXX XXXX : SystemSystem : Connected with XXXX XXXX Operations Manager. Your Reference Number for this chat is XXXX.
XXXX XXXX : CustomerXXXX : I really do n't need any further assistance.
XXXX XXXX : AgentXXXX XXXX Operations Manager : Hello XXXX.
XXXX XXXX : CustomerXXXX : I asked a question, it was answered, and now I am going to escalate the matter XXXX XXXX : AgentXXXX XXXX Operations Manager : I understand.
XXXX XXXX : XXXX XXXX XXXX Manager : However I can explain this further.
XXXX XXXX : XXXX XXXX XXXX Manager : XXXX, as explained that account can not be reopen to use the rewards.
XXXX XXXX : CustomerXXXX : You as a company stated I would earn cash back, I made a payment that was returned, but was later rectified. However, not only was my account denied for a limit increase due to a collection that was fraudulent that has since been deleted from my credit report, but now my account is closed and you as a company are withholding the offer for the cash back that could have been placed on my account to assist with lowering the balance ... did I miss anything?
XXXX XXXX : CustomerXXXX : Thank you, XXXX. I will no longer need your assistance.
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| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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I signed up for a no interest credit card with XXXX which had a promotional period of XXXX. That period would have ended on or about XXXX XXXX. On the date I received the card, I purchased a custom item that was then installed weeks later, in XXXX. On XXXX occasions shortly after the installation, the items showed defects. I reached out to the jcpenney to address the problem, which was addressed. In XX/XX/XXXX, I called the jcpenney store, once again as the replacement items, yet again, showed defect. I waited XXXX months before XXXX decided to address the problem, shortly after I filed a complain to the corporate office. In XX/XX/XXXX I had a balance of {$580.00} on the promotional period left and made a payment of {$180.00}. The intention was to make a total payment but was hesitant due to the reoccurring issues with the shutters. In XX/XX/XXXX, I was advised by synchrony that I needed to wait until the promotional period before they can open a dispute on the purchase. They also added that due to the nature of the issue, there will be no interest charges and if any added thereafter, will be removed. By that time, I still made the decision to pay the {$180.00} of the balance, with hopes that XXXX would do the right thing and address the quality issues of the items. XX/XX/XXXX came and still no response from XXXX, I then opened the dispute with synchrony, who at the time assured me that any fees added on the balance of {$400.00} would be removed after the dispute is closed. On XX/XX/XXXX, I received an email stating the dispute was closed and my account showed a balance of {$870.00}. This means synchrony doubled my ending balance from $ XXXX even after they assured me that fees will be assessed. I contacted synchrony to remind them of recorded conversations about the fees and interest and advised me that XXXX stated they addressed my concerns and services were rendered. As a result, the interest charges will stand. I immediately contacted the store XXXX, XXXX XXXX who stated she was under the impression that the replacement item was installed and i assured her that it was not. She also advised me that the matter with synchrony would also be taken care of. The issue with the items wasn't addressed until early XX/XX/XXXX. XXXX reported that they have done everything they could and are not responsible for quality issues of the product as the products come from a contracted manufacturer, XXXX. They also reported that they can not assist with synchrony because they were informed by synchrony that i stopped making payments on the account. XXXX informed me that they have not received any call from XXXX at all. I am concerned about the lies and misinformation told by XXXX and synchrony. This type of practice is used to gain additional money from customers and I am assistance to address the problem.
|
| 02/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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In XX/XX/XXXX, an automatic payment was processed for the entire credit card balance. I had previously chosen autopay, but for minimum balance due. I called and synchrony could not reverse the payment, so I waited over the weekend and my bank declined the payment. Nonetheless, it caused about {$200.00} in overage charges from my bank and my balance rested negative ( a few thousand ) while being reversed. When I called synchrony this time I was polite, customer service told me to provide documentation of my negative balance via fax in order for them to reverse it. I ended up not needing to do that, as my bank took care of the issue.
XX/XX/XXXX, the same thing happens. I call and am met with resistance from synchrony customer service. I ask them to figure out a way to reverse this as its the second month in a row. They say there is nothing they can do and its my fault. Im transferred to a manager who also says they cant even credit the interest charge, saying I was never charged anything extra. I believe I was, because I was charged interest again after the payment was reversed and the balance went back onto the card. I asked the manager to put herself in my shoes. At one point I used the f word in a sentence. I did not direct any derogatory language at the manager or any other employees, I was simply frustrated and made a statement such as I can f-ing believe this. The manager became condescending and threatened to end the call if I did not use proper language. I told her to stop and transfer me to someone else because this is a ridiculous situation and I have a right to be frustrated. ( Not to mention we have a right to free speech. I would understand ending the call if I directed anything at an employee, but I did not ). I asked for another manager and she stated multiple times while speaking over me, The second manager will not do anything different, Im just setting your expectations and continued to be condescending. I waited on hold for approximately ten minutes, when the first manager came back on and said she was having trouble with her phone and honestly couldnt connect me to the second manager. Feeling this was a game, I decided to end the call.
Now its XX/XX/XXXX, and I have harassed with phone calls and letters since. I have decided to take out personal loans to pay my credit cards instead of dealing with synchrony. I open my credit card accounts today to check everything and get ready to pay the main card I had an issue with. Lo and behold, I find out synchrony has closed ALL THREE of my credit cards, even the two that were in good standing and had no issues.
I cant call synchrony because I will be met with the same resistance as last time. Its like talking to robots and i feel like there is no recourse for how they treated me and for the position they left me in financially.
|
| 12/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I got the XXXX Synchrony bank card a couple of months ago because I do a good amount of sport card purchases and selling on XXXX as a hobby. They had a really good reward point plan like 5x until the end of the year and I was trying to take advantage of the program by using the card on all of my XXXX purchases.
It only had a {$5700.00} limit so I had to make payments mid cycle to increase spending limit as to make more purchases.
They constantly put like 10 day holds on all of my payments to slow me down for the past 3 months or so. I missed several opportunities to use the card and accumulate addition points due to these excessive holds.
Today I was going to get like {$1000.00} worth of points to buy items on XXXX and was excited to do so after months of card use as you can not use the points until a cycle or XXXX after the purchase date. The card was declined when trying to purchase the items from XXXX. I looked online, utilized customer service chat and called the company to see why my card was not working. It turns out they cancelled my account without notice on XX/XX/21 and were sending me a letter with a detailed explanation as to why.
After 2 additional hours on the phone with the company on hold and transferred to multiple run arounds I was finally told the reason for cancelling the card was high risk of not paying balance. From customer service I was redirected to the billing department who confirmed I had no balance issues and no delinquent payments. I was then sent back to customer service where they said the credit bureau report caused the cancellation by the system and there was nothing they could do about it and nobody that could fix it. This information was confirmed by a supervisor.
Important side note is if your account gets cancelled you forfeit all of your points.
They have no evidence of lack of ability not to pay balance. Zero missed payments or late fees anywhere. Coupled with a credit score near 800 seems a bit fishy and a move to avoid paying out my mega point bonus!!!
Seems like they are using the ability to cancel cards in the contract to benefit themselves and when somebody is set to benefit from their rewards a bit too much they will cancel your card and forfeit all your rewards conveniently. Probably dont cancel any contracts they are making a profit on Please review and look into this case as it seems highly irregular that my card was cancelled. The reason for cancellation is completely inaccurate and without any evidence. This appears to be an abuse of the consumer to clearly benefit them and not the consumer.
Having accounts closed like this negatively impact ones credit score and I have already received alerts about my credit score due to this inappropriate card cancellation.
Thank you for your time and effort in the review of this matter.
|
| 07/02/2023 |
Yes |
- Credit card or prepaid card
- Gift card
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- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
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Web |
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On XX/XX/XXXX I purchased a washer and dryer from Lowes.com. The items were delivered to my home shortly afterorder number XXXX. I contacted Lowes about returning both the washer and dryer since both of the things were too small. After speaking with someone over the phone that advise me that I would not get a refund on the items until they were in the store. I was told once the things were in the store someone will contact me in regards to a refund. After the things were returned for approximately three days no one contacted me. Therefore I went to the store to get a refund. Upon waiting at the stores for over 5-6 hours and coming back and forth to the store the manager told me that they had issued a refund in the form of a gift card. I am not sure why I was not called, instead, they took it among themselves to just issue a gift card. I am only 5 minutes away from the store. I could have come and got the gift card. I requested the manager to print out the refund information for my record. However, she could not be I was able to take a picture with my phone. The refund was issued on XX/XX/XXXX for {$1000.00}, return XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX. However, I noticed the gift card was in my ex-spouse 's name. I immediately told them that it was not supposed to be in his name. Before I place the order on XX/XX/XXXX I made changes and verified that his name was not on the order. While I was in the store and was telling the manager that his name was not associated with the order, someone was making changes to my account. I had several notifications where they were trying to fix their mistakes. My invoice has my name on it. I was later advised to contact customer support. I contacted customer support and the first time I called they said there was nothing they could do. Then I called and requested to speak with a supervisor and they advise me to do a lost and stolen report on the gift card and that I will be receiving a gift card replacement within 30 days. However, after the 30-day wait, I was told I had to file a police report. This is only one issue. The manager at the local XXXX, WA Lowes is ridiculous and very unprofessional. She was telling me things just to get me out of the store. I didn't get her name but she is the only female manager.
I have another issue as well. I did a claim on my washer and they only paid me for what they felt it was worth today. I paid {$790.00} a piece for my washer and dryer. I did a warranty claim and got only {$620.00}. I also received a {$790.00} payment on the dryer for not working as well. I don't understand how the company can not so call to find an invoice. So how was a paid the {$790.00} for the dryer?? I sent in a receipt. Of course, the receipt is faded. We found the invoice number because the dryer and washer were delivered to my address.
|
| 06/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I made a payment for the full balance of my Synchrony Bank PayPal XXXX XXXX as of XX/XX/22 ( {$3800.00} ), the money was withdrawn from my bank account at least 1 week ago as of toay, and they told me that the paymet will not reflect in my account until at least the XXXX of XXXX. In the meantime, I don't have my money in my bank, nor I can't use my card. In a nutshell, they are using my money for at least 15 days. Enclosed is the conversation with their Rep.
Connect to Live Chat Waiting for Representative Current wait times for services with a live agent are up to 2 minutes.
Welcome to PayPal Credit Card Live Chat. Your chat will be monitored and recorded for quality purposes. A chat agent will be with you momentarily Can someone review the appliation of my last payment from XX/XX/22, it is not posted to my account, therefore I can't use my card XXXX Hello XXXX. Thank you for contacting Synchrony Bank regarding your PayPal account, we appreciate your business! XXXXXXXXXXXX>My name is XXXX XXXX XXXX
XXXX Could you please elaborate your question?
Can someone review the appliation of my last payment from XX/XX/22, it is not posted to my account, therefore I can't use my card XXXX I will check that for you.
XXXX Could you please verify your mother 's maiden name and the 3 digits CVV code, which is behind the card?
I made a payment on XX/XX/22 it was withdrawn from my bank account, and still not posted, I can ; t use my account XXXX I will check that for you.
XXXXXXXX XXXX XXXX XXXX Thank you very much for the verification.
XXXX Please allow me 2 - 3 minutes to access and review your account to help you better.
Sure, appreciate your help XXXX I apologize for the delay as it is taking a little longer than expected to access your account. Please give me another 2 - 3 minutes.
No problem XXXX Thank you for staying online, I appreciate your patience.
XXXX The payment of {$3800.00} made on XX/XX/22 is on hold and will get released on XX/XX/22. Once released, the credit will be available.
XXXX When there are multiple payments or large payments, the payment goes on hold due to security reasons, however, once it is verified by your bank, the payment will be released.
XXXX Request you to wait until the payment gets released.
ON THE XXXX XXXX Yes.
XXXX Would you like me to assist you further?
That is 15 days, without the money in my bank account, nor my credit. XXXX, I know it is not your fault, but that is unacceptable XXXX I agree with you.
XXXX Since this an XXXX banking XXXX, very rarely, this issue arises, wherein there is a delay from the customers bank in verifying the payment.
The money already left my bank account, how come Sorry my friend, I know you don't make the rules, But le your superiors know I will file a claim with the CFPB End Live Chat
|
| 02/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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In XXXX of XXXX : I was contacted for the first time regarding this debt. According to PayPal Credit ( Synchrony Bank ), I owe {$610.00} for an account that was opened in XXXX. I informed PayPal Credit that I did not have an opened PayPal account and I never shopped at XXXX nor charged {$390.00} on XX/XX/XXXX, XXXX. I never receive explanation of the other charges. I requested PayPal to run an investigation.
I requested to be told the contact information for the account, most of the information was not related to me. The representative stated that the contact information needed to be updated so they can run the investigation.
On XX/XX/XXXX, PayPal Credit sent me a letter stating " Based on our investigation, we have been able to validate your claim of fraud and cofirm that the above account and/or subject transactions fraudulent. As a result of the confirmed fraud, we have removed and/deleted the fraudulent transactions from the account. However, we have also closed this account in order to prevent future fraudulent transactions.
I waited 90 days, recontacted PayPal Credit to verify the account clearance of debt and closure. The representative advise me the account balance is {$0.00} and the account was closed to fraud.
On XX/XX/XXXX, ( The first time contacted ) XXXX XXXX XXXX sent a letter stating " We are writing you that we have opened an invesigation regarding your recent dispute ( Never disputed with them ).
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to inform them that this account was found fraudulent and closed by PayPal Credit. I also read the letter to XXXX. He stated that the account was charged off XX/XX/XXXX. I stated how can a fraudulent closed account be charged off and/or turn over to collection agency. XXXX immediately transfer me to investigation department.
I requested contact information on the account, most of the information was correct, I informed him that PayPal requested correction to the account information so they could run an accurate investigation.
XXXX ( investigation dept ) listened to me reading the letter of Paypal investigation stating that the account was fraudulent. I asked the same questions how does a fraudulent closed account get sold and/or turn over to collection. He kept mentioning another Bank that apparently took over Synchrony or Paypal, he was a little confusing to talk to. Once again XXXX stated they need to run investigation.
At this present time, I am waiting for XXXX investigation findings, I do not know why another investigation needs to be performed when the original creditor ( Synchrony Bank/PayPal ) already found the account to be fraudulent, clear of debt, and closed.
I am attaching the PayPal fraudulent findings letter and XXXX XXXX XXXX letter.
Thank you for any assistance you can provided to solve this matter.
|
| 06/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/XXXX Called Synchrony to request cosign verification, but they told me the account had been transferred to a new company. I called that company, and they told me the account had been transferred to a company called XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX ext. XXXX ( Customer Relations ) Per phone call with XXXX on XX/XX/XXXX, they placed order for Credit Application. They will send me the application as soon as they have it XXXX provided me with the following info regarding the line of credit : o Credit Card Account for XXXX XXXX with Synchrony Bank Opened on XX/XX/XXXX Sold to XXXX on XX/XX/XXXX Balance as of XX/XX/XXXX : {$4300.00} XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XX/XX/XXXX Received letter with detailed account history as verification that the balance is correct, but this is not what I requested XX/XX/XXXX Sent letter to XXXX requesting original agreement/credit application/any documentation proving I actually cosigned for this credit card XX/XX/XXXX Received second letter with detailed account history as verification that the balance is correct, but again, this is not what I requested XX/XX/XXXX Called XXXX to request proof of cosign again, but they informed me they transferred the debt and all accompanying info to new firm called XXXX XXXX XXXX Called XXXX XXXX XXXX to request verification of cosign, but they said they do not have that information. All they have is proof of debt. I asked if they can tell me where the original agreement was started and signed ( store location ), but they said they dont have that information either. I told them Id like them to remove my name from the loan since no one can provide proof that I cosigned for it, and they replied saying they, Could make payment arrangements. I told them I wont make payment arrangements for a debt that is not mine. Todays Date : XX/XX/XXXX Letter Received : XX/XX/XXXX To Whom it May Concern, It is alleged that I cosigned for a credit card account for an individual named XXXX XXXX. I have not spoken to XXXX in years, and when I recently started receiving calls from debt collectors, I attempted to contact him. I have tried to call him, text him, email him, and even contact his mother in order to obtain accurate contact information. However, I have not been able to contact him, so I am hoping you are able to help me. I do not recall cosigning this credit line for him, so I am requesting a copy of the original agreement/contract/etc. with my signature as evidence that I signed. If you are unable to obtain a copy of an agreement with my signature, I am requesting to be removed from this credit line. Please send all mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX You are also welcome to call me with any questions : ( XXXX ) XXXX Respectfully, XXXX XXXX
|
| 10/01/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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Hi, I was informed via phone message there was a problem with my Synchrony Lowes Credit account payment that I made on XX/XX/2021 in the amount of {$29.00}. So when I called back to see about it I was told my payment was rejected and to check with my bank as for the reason for this. So I called my bank XXXX XXXX XXXX XXXX who told me that the payment was never processed and that there is no record of it either being authorized or reversed for any reason i.e. insufficient funds. My bank statement for the date the payment should have been processed will show this. No payment attempt was made. So the money was in the bank account it just was never processed correctly and for whatever reason in error was rejected. Now along with Lowes 4 other Synchrony accounts of mine are now closed and I do not have access to credit with any of them. Lowes, Sams Club, Ashley Furniture, JC Penney, and Lumber Liquidators for a total of 5 are all closed and read closed by credit grantor now on my XXXX credit report as of XX/XX/2021. All of which I pay every month with my XXXX XXXX XXXX XXXX XXXX account. Same bank routing number and account number for all these Synchrony accounts listed above and all were processed with my XXXX XXXX banking account and posted in XXXX with no problem and my bank statement has all of these transactions listed. Also, all of the other payments for Synchrony Lowes leading up to this payment were made correctly as well using the same XXXX XXXX account. I also tried to do the online chat feature Synchrony Lowes provides to no avail. The man I spoke with checked on the reason the payment was rejected he said insufficient funds? Which I was told by another Manager on the phone it just say rejected no reason. I told him he was incorrect about the insufficient funds as per my banking institution. He then asked me for my banking info via the chat routing number account number which I did not feel comfortable with he assured me its safe and then sent me the address to send a check? When I asked if sending in the {$29.00} would put my account in good standing he said it would so I wanted to make sure so I explained that my account along with 4 others were closed. He told me have a good day and that was it on his end. I screen shot the conversation and would like to include it as well. With customer service such as this its easy to get deterred. I work hard and I do my best to always pay my bills I feel like this has taken up time I could be putting to good use elsewhere instead of pleading my case for something thats not on me I submitted the payment on time it didnt take for whatever reason now my accounts are closed that doesnt seem fair. So thats the reason I filed this complaint thank you and I apologize for the length of the writing. Just wanted to make sure I included everything.
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| 05/25/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
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I have a XXXX XXXX Synchrony credit card with a promotion that I would pay a fixed amount {$160.00} per month. ( Similar to a term loan ) Last Fall ( XXXX ) My payment was late and I was assessed a late fee of {$40.00}. I paid {$200.00} which was comprised of the {$160.00} plus a {$40.00} late fee. Synchrony bank applied the entire {$200.00} towards the principal balance and continued to charge me interest on the {$40.00} late fee. I asked them to correct the application of my payment and was denied. I ended up paying interest for 5 months on a late fee that Synchrony did not properly apply my original payment to.
After hours of arguing, Customer service in an effort to resolve this issue, reversed the {$40.00} late fee in XX/XX/XXXX, but never reversed the interest. I was told by Sychrony that I was not allowed to deduct the {$40.00} credit from my XX/XX/XXXX payment due.
On XX/XX/XXXX, I faulted on my monthly obligation of {$160.00} due to Covid. As stated, Synchrony would allow me to apply the {$40.00} credit to my {$160.00} XXXX payment. In fact, they increased my payment on XX/XX/XXXX to {$200.00} to pay for a late fee assessed on XX/XX/XXXX that Customer service agreed to also reverse.
Here is the problem : First They would not allow me to reduce my XXXX payment for the {$40.00} cr adjustment given in XXXX.
Second On XX/XX/XXXX, Sychrony increased my XXXX promotional payment from {$160.00} to {$200.00} due to the late fee, but would not reduce the XXXX payment back to {$160.00} when they reversed late fee.
That is two {$40.00} late fees totaling {$80.00} that they made me pay even though they reverse it. Rather than reducing the minimum payment from the {$200.00} back to the original obligation of {$160.00}, They apply it to my principal balance. My contract states that I am to pay {$160.00}. plus late fees. If the late fees are reversed, I should not have to pay them.
They are using the {$80.00} to shorten the length of the loan by reducing the principal balance with money that I consider as being overpaid. They are using my {$80.00} interest free! My interest was calculated at the beginning of the loan therefore my principal balance includes imputed interest. This imputed interested is not being adjusted when they apply my {$80.00} overpayment that I was forced to pay to that balance. When those late fees were removed, I should have either been refunded ( money back in my bank account ) or my next payment reduced.
The SEC really needs to really take a look at Sychrony Bank is treating imputed interest in these cases.
Interest on my {$80.00} for the next couple of years might not seem like much, but when you consider all the people they are doing this to month after month, the imputed interest they are not adjusting for or refunding to consumers is alot of money.
|
| 09/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American |
|
On XX/XX/2019 I met with an employee of XXXX XXXX XXXX, XXXX XXXX, who came to my home to diagnose an issue with my furnace and AC. He did a repair and explained the issues after which he advised I get a new furnace and AC or at least a new furnace, soon. He drew up a bid for me and told me that I may be eligible for 60 month 0 % interest and that it was a simple process to find out. I specifically told him I didn't know if I was going to move forward with him, needed to do my due diligence, get other quotes, etc. I also explained that I was mid getting a refi on my townhome and could not jeopardize that. He assured me it was a soft credit check and not a big deal as just in case I decided to go with them I'd know if I was eligible. I provided him with my basic info and he sent it in. The next thing I knew I was on the phone with a Rep from Synchrony. She asked a few questions, then told me I was eligible. In the same call, I was given an account number and told that I'm getting a card in the mail, at which point I told the rep at Synchrony that I didn ' ask for that, only wanted to see if I was eligible. So, I turned the phone over to XXXX XXXX employee while repeating, I didn't know if I even wanted this, still need to do my due diligence, etc. He assured me, " no problem ''. A couple days later I got an alert from XXXX that there was a change in my credit score due to a hard check on my credit from Synchrony and another $ XXXX line of credit!!! Furtther, this hard check will be on my credit report for 2 years. I filed a dispute with XXXX, called Synchrony to fix it and also called XXXX XXXX. The latest, as of today, XX/XX/2019, is that if I close the card ( which I have yet to activate ) it will effect my credit score even more. Also, please note, the promotional offer flier that Synchrony included with the card they mailed me has a maximum of 24 months 0 % interest, not 60 months, and a major penalty that is rectroactive to the start of the loan if not paid in full in the 24 months, 26.99 pct interest ( retroactive ) and from that point forward, plus other penalties. This entire deal from the start was deceptive and is now putting me at risk of not being able to get my refi during a time when interest rates are lowest ever. This will effect me for the next 30 years and cost me at least {$90000.00} and {$300.00} extra out of pocket per month. Also, please note, I asked the Manager of XXXX XXXX how would the creditor make any money at 0 % interest for 60 months, whereupon he told me that XXXX XXXX pays them. Well, that explained why their bid was nearly 2X all the other bids ( 3 ) that I got, with superior products on top of that. So, they were going to make a major profit over having me go with them on this " 0 % interest for 60 months '' " deal '' - ( more like a rip-off/scam ).
|
| 10/19/2016 |
Yes |
|
|
|
Web |
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Approximately one year ago my daughters boyfriend was having XXXX and needed all XXXX. He had no money or insurance. I suggested he apply for medical credit card. He then called me and said he was not approved and needed a cosigner. I said ok and he said they needed my social security number to check my credit. asfter that I never heard anymore about it. No one ever contacted me to ask my permission or sent me a contract. Since then I totally forgot about it. On the evening of XXXX/XXXX/2016 I received a phone call from XXXX XXXX and XXXX saving that they had purchased the account from Care Credit/Synchrony Bank and that no payment had ever been made and I needed to pay {$3600.00} that day. I said that I did not have that amount of money. they said that if I did not pay it that day I would be sued. Again I state I did ot have it. They then said I could pay {$270000.00} and sent a letter to my email stating this. I asked them why if the account was over a year overdue why I had never been contacted and they stated they did not know. I told them that I did not have that amount of money to send them. In the next few weeks they called many times. I told them that I was never contacted by Synchrony Bank to confirm cosigning and had never signed a contract and would they send me a copy of the contract. After several times asking they finally sent a package, but it contained no contract. Just copy 's of the statements that had been sent to the cardholder. I called again and asked for contract and was told it would be sent but never was. I believe that when Sychrony Bank got my social security number they just ran my credit and went off the address where all my previous credit was started and that is why that was the address they had. Again I was never contacted for permission and never signed a contract, also if I was the cosigner why was I never in a year contacted or called about the overdue payments. Also without any contract or being notified about the overdue payment this had already been placed on my credit report which was perfect and is now dropped substantially. The original credit was with Care Credit/Synchrony Bank account # XXXX. Now purchased by XXXX XXXX, XXXX, XXXX account # XXXX. I have been threatened numerous times with a lawsuit from this company in the past month and feel that if this had been done legally and if I had signed a contract, which I did not, as cosigner I should have been contacted a year ago so that the payment could have been made, but at this time I am not working due to medical issues and do not have the means to pay this debt. I feel that it is illegal to place a person on a debt contract without their permission or signed contract and that is also illegal for it to be placed on their credit report without them ever knowing the debt was not being paid.
|
| 11/08/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
ORIGINAL COMPLAINT : I am reaching out due to ongoing issues I am having for an order that was canceled on XXXX.I have submitted 2 disputes with synchrony bank about this, went into the store in XX/XX/2021 and this has yet to be resolved. Not to mention multiple contacts via phone with Ashley corporate and the local store. On XX/XX/2021, sale orders # XXXX for {$2600.00} and # XXXX {$3500.00}. were placed in my name with a new Ashley credit card, following pressure sales of furniture and insisting items needed to be ordered early to ensure " they would be ready '' ... ..The items were ordered for my boyfriends new home, which he was closing on on XX/XX/2021. We were told that when he closed, we could go back to the store, cancel the orders in my name and REORDER everything in HIS name with a NEW card for him, as he was not able to open credit due to a pending mortgage. On XX/XX/2021, WE BOTH went to the XXXX XXXX XXXX store and completed the task of CANCELING ORDERS # XXXX and # XXXX. All items ( except the dining table ), were REORDERED and PAID with NEW CARD in my ex ex 's name ; order # XXXX for {$4000.00} and # XXXX for {$2900.00} Items were delivered as schedule to his NEW home in Connecticut on XX/XX/2021. He has been paying for the items under his Ashley Synchrony account on time, with no issues. MY Synchrony account should have NEVER been charged, as the orders were CANCELED from my name. The store verified orders were canceled, and despite the 2 disputes I submitted, I am still being charged and it is taking a hit on my credit. I ask that this be reviewed further and corrected immediately. I would appreciate prompt attention to this matter as this is a fraudulent charge that I did not approve or consent to. This was also be filed with XXXX.
FOLLOW UP : My previous complaint was ignored and closed.
I am reaching out to follow up on the multiple disputes submitted due to incorrect charges. After all the disputes, I went to the XXXX XXXX store in person on XX/XX/2021 and spoke with XXXX about the matter. All the documents were received in depth. Copies of the documents were made and kept in the store to support the resolution of the matter. XXXX confirmed the errors and told me that he reached out to accounting numerous times to resolve the issue.
Apparently, he has not had any luck in getting a response. He advised me to reach out to this email ( XXXX ).
I would appreciate it if this is settled immediately. This has been going on since XX/XX/2021. I have already disputed with Synchrony, XXXX XXXX, XXXX and Consumer Affairs. The only other step is to get a lawyer involved due to longevity of the matter and the impact on my credit report.
At this time, it is confirmed that XXXX XXXX 's card was charged for the items : meaning- the charges on my card need to be removed.
|
| 12/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I emailed a debt validation letter to Synchrony Bank on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from XXXX after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with XXXX and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on XXXX is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as Synchrony and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and XXXX show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if XXXX show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to XXXX. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on XXXX file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure Synchrony Bank you are going to say you are reporting correctly but XXXX credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from XXXX that validates this Inaccurate reporting. I want this account deleted from my XXXX, XXXX and XXXX. I have had several disputes with XXXX as recent as XX/XX/XXXX that information is being reported inaccurate based on the information from Synchrony Bank and XXXX credit file. I am not sure how Synchrony Bank validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from XXXX, XXXX and XXXX Inaacurate reporting.
|
| 07/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2020, I applied for a joint credit card with my partner for Care Credit. We submitted the online application, and were then told to call a 800 number to complete the process. We called the number, and they asked my partner only to verify his identity online using his phone. He was told to take a video of himself and submit a picture of his identification card ( driver 's license ).
On XX/XX/2020, he attempted to complete the identity verification on his XXXX, but was unable to access the websits using his XXXX browser. We again contacted the phone number, and they told us repeatedly that we had visited the wrong website. We had visited the correct website. The call was disconnected as the representative tried to transfer us to an alternative agent. We attempted to use the XXXX to verify his identity again, using XXXX XXXX as the browser. The website worked on XXXX XXXX.
While using the website to verify his identity through pictures, he was able to successfully complete the video of his face and the picture of the front of his ID. The system would not accept the multiple pictures he attempted to take of the back of his ID, and he was locked out of the verification process.
We called again to speak to a representative to settle the matter. The first representative told us that our application had been declined. Once connected to another representative upon request, she opened the online system back up for him to verify his identity, and suggested he take the video of his face against a plain wall.
My partner again then tried to complete the online verification, but was met with the same problem. He had 1 attempt left to verify the back of his ID, and so rather than use the attempt we decided to call again to see if a representative could explain what we were doing wrong or to provide us with another opportunity to verify his identity.
Upon connection with XXXX, XXXX left us on a silent hold for approximately 4 minutes while he looked into our account after verifying our identities on the phone. He then told us our application was declined, and that the previous representative should not have allowed my partner another chance to verify his identity. We inquired about an alternative method to verify his identity, and the representative disclosed that there as an alternative method but he could not provide more information as we must have a processing application to do so. We were never informed of any type of alternative identity verification process at any of the 3 times we had called previously, two of which were to notify representatives that we were struggling with the identification system.
In conclusion, the application process was never completed because my partner never had the opportunity to verify his identity. Nevertheless, we were declined anyways.
|
| 12/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
I received this letter and it was from XXXX XXXX XXXX. It said " They took my debt from JC Penney and Synchrony Bank and it says I owe {$480.00}. I had never heard of Synchrony Bank, to my knowledge. they had not attempted to contact me previously. I called JC Penney and they transferred me to Synchrony Bank. Synchrony Bank initially told me that the last charge on my JC Penney Card was in 2016. They also said that my account balance was XXXX dollars. I inquired about the letter I received. She said she saw another account that they said I had. To my knowledge I have only ever had 1 JC Penney account. She told me the account was locked and transferred my phone call to an automate service that attempted to collect debt from me. I called Synchrony Bank back and spoke to another customer service representative. She told me the account was locked and she was going to transfer my call. I objected and said I had already been transferred in a previous call. I asked to speak to a supervisor. She tried to avoid that by telling me " the supervisor also will transfer my call. I again asked to speak to a supervisor. My call was transferred to a supervisor who also told me my account was locked. They wanted to transfer my call. I declined and ended the call. I did internet research looking up consumer reviews about Synchrony Bank and XXXX XXXX XXXX. I found that both companies have been repeatedly accused of fraud, scams and unethical business practices. Seeing this I knew I had to report this immediately.
So, I did, which resulted in claim # XXXX. In the interim of waiting for this claim to be resolved, I received a phone call from someone claiming to be from XXXX XXXX trying to collect this supposed debt. They said XXXX to start the call and I said yes. I explained to them why I dont owe debt and they kept trying to keep me on the phone and get me to confirm my full name. I have heard of these scams before, where people are tricked into saying yes or the full name and then the recording is doctored to try to make it seem like someone agreed to pay a debt. I did not confirm my full name and I ended the call. Today I got an email stating that my claim was resolved unfavorably to me. I called Synchrony Bank and the woman who answered the phone would not tell me when the alleged charges I am told I owe were made or where they were made. She transferred the call upon my request. Someone asked me who I was and I said XXXX. They immediately ended the call. This is clearly a scam and they are trying to collect debt that simply does not exist. I am at this point unwilling to call them because I do not trust they will be helpful. I would like to have another claim submitted where Synchrony Bank is required to state when and where and for what exact amount this supposed charges were allegedly made.
|
| 07/19/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a mattress and decided to utilize the for 0 % financing option offered through XXXX XXXX XXXX and managed by Synchrony Bank.
The payments commenced in XXXX XXXX. I opted thier mail option ; to pay by check and mail it in. ( I use the mail-in option for all of my monthly bills with other companies ).
In XXXX XXXX, I had mailed my check on XXXX/XXXX/XXXX ( payments are due on the XXXX of each month ). The following month, the XXXX XXXX statement, I noticed a late fee. The payment I had sent on-time was posted on XXXX/XXXX/XXXX.
I followed their dispute resolution process and sent a letter to them in XXXX. I never received a response.
I sent a second letter in XXXX XXXX and again never received a response.
I sent a XXXX letter in XXXX. I never received a response.
I then finally received a response letter stating that they did not know why the check was posted late and would refund all the late fees and interest on my account. They did in fact correct the balance on my account.
Now in XXXX of XXXX, I sent my payment as usual, however a week later, the XXXX XXXX returned my envelope to me. It was post-marked XXXX XXXX, XXXX, and the post office tag cited it as " XXXX/XXXX/XXXX return to sender : no such number : unable to forward ''.
I double-checked the address on my statement as well as called the company, and I was told the address was correct. I explained that the envelope was returned to me, the representative stated they did not have an answer why, that it must have been a post office error.
I decided to re-send the same unopened/sealed envelope, as is, on XXXX XXXX, XXXX.
I also sent letter to their dispute department with a photocopy of the envelope clearly identifying the postmarks.
My payment cleared my bank account on XXXX XXXX, so clearly they received the envelope, however, again it was posted late to my account.
My XXXX statement arrive on XXXX XXXX with again, another late fee processed.
I have sent the XXXX dispute letter for this charge and again included a photocopy of the envelope. I noted the post-marks, which clearly supports my suspicion that they are intentionally delaying payment processing.
This is the second time in less than a year that Synchrony Bank has delayed processing my on-time payments. They still offer mail-in payments, yet they delay processing these payments and charge late fees. I believe they are purposefully doing this, whether to force a late fee charge, or through pure negligence and incompetence. Whatever the reason, they offer mail-in payments and thus should be able to process those payments appropriately and to industry standards.
I have never had any problems with any other company processing my payments. On most occasions, my checks are clearing within XXXX5 days after I put them in the mail.
|
| 07/17/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
This is regarding a XXXX store card through XXXX XXXX. I had a payment due on XX/XX/XXXX, I have a automatic payment set up through them, which comes out on the due date. On XX/XX/XXXX, I realized that I needed to wait til XX/XX/XXXX to pay as I had some unexpected expenses come up.
I called the # on my statement and spoke with a customer service rep. I let her know the above and she said I cant change your due date, I replied that was fine as I didnt want to change my due date, nor did I ever ask that, as I had asked her to move my automatic payment to continue in XX/XX/XXXX and do a 1 time payment for XX/XX/XXXX. She said ohhhh, ok as if she understood.
She said so you want to cancel the auto payment?, I said No and I explained all the above again. She replied that wasnt possible and went on to explain she could cancel the auto payment and do the 1 time payment. I replied with, that doesnt make sense as I had done this with other banks in the past, but whatever.. if this is what they had to do then so be it. She went on to explain that to reenroll the auto pay, I would have to do it automatically online or fill out a written form. I did again mention that was very archaic to have to write in, and asked why I couldnt just do this over the phone. She said it wasnt possible.
I said ok, cancel it, schedule my 1 time payment and Ill go online and reenroll. She said ok, then said this may take up to 72 hours to cancel. This is when I became angry. I had spent 10 minutes explaining the reason for my call, the payment was tomorrow, and why would you tell me you could do my one time payment for XX/XX/XXXX and stop my payment from processing XX/XX/XXXX if you knew there was a chance you couldnt stop a payment from processing on XX/XX/XXXX? ( Mind you online and on the statement it clearly states you can pay until XXXX XXXX on the day of the payment due date and I was calling the day before ). She said she must have misunderstood me. I explained everything I said and she said yet again. She began stuttering and apologizing. I asked for a supervisor.
The supervisor said all the stuff she did, except when I would talk, he would attempt to cut me off. He cancelled my payment on XX/XX/XXXX but still proceeded to say it might run anyways. That made no sense. He said she misunderstood. Again, I was very clear and repeateded what I needed on multiple occasions. He asked me is there anything else you need, or question I can ask I then asked why he was so rude and wanted to rush me off the phone and he said he was disconnecting the call. I replied wow, thats crazy, you guys just hang up on people who complain about your service that arent cussing and arent calling you names? He went on to say I hope you have a better day and hung up on me as I was talking.
How is this acceptable?
|
| 08/31/2015 |
Yes |
|
|
|
Web |
Older American |
|
First let me state this company ( Synchrony Financial ) has XXXX complaints at the XXXX.
For years I have been a customer of Rooms to Go. I have automatically sent the same payment each month and I try to pay the amount early so I am sure not to have a late fee charged to my account. My account was paid off in XX/XX/XXXX. I purchased more furniture from Rooms To Go on XX/XX/XXXX for {$1800.00}. The payment set up by Synchrony is due on the XXXX of every month. I immediately sent a payment of {$100.00} ( even though the minimum was {$52.00} ) for the XXXX statement due on XXXX. It was posted on XXXX/XXXX for the XXXX due date. The next payment of {$100.00} I sent early and it posted on XX/XX/XXXX for the XXXX due date. The next {$100.00} payment was posted on XXXX for the XXXX due date. However, I was charged a {$25.00} late fee even though I paid the XXXX payment on XXXX. The next {$100.00} was posted on XXXX for the XXXX due date. I was charged a {$35.00} late fee. The next payment {$100.00} was posted on XXXX for the XXXX due date. I again was charged a late fee. The next {$100.00} posted on XXXX for the XXXX due date. The next {$100.00} was posted on XXXX for the XXXX due date. When I found out I had been charged {$95.00} plus {$2.00} interest in late fees I contacted Synchrony to discuss this issue. I was told I had made a late payment in XXXX ( which was paid early ) and the late fee was taken out of my payment which resulted in the next payment being less than minimum. So I was again charged a {$35.00} late fee. The following is a summary of my recent transactions and payments for my Rooms to Go account with Synchrony : XX/XX/XXXX XXXX BALANCE XX/XX/XXXX purchase of Furniture {$1800.00} with {$1700.00} financed. Statements were emailed with no paper statements received.
The following are payments posted by Synchrony:XXXX/XXXX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX LATE FEE Charged $ XXXXXXXX/XXXX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX purchase of Furniture $ XXXX {$100.00} payment ( due XXXX ) minimum payment due was $ XXXX LATE FEE CHARGED $ XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX LATE FEE CHARGED $ XXXX Interest charged $ XXXXWhen I finally was able to talk with a " real person '' in customer service, he could not understand my complaint but stated he would refund {$35.00}. I explained that no one ever called me to ask about late payments and my payments were paid on time every month and many times earlier than the deadline. I also explained the statements were all emailed and some never got to my email account but my payment was always made on time. However, he still stated he could only adjust my account {$35.00}.
|
| 09/12/2023 |
Yes |
- Credit card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
On XX/XX/2023 the due date for my Amazon store card, I attempted to pay the rest of my previous statements balance on my Amazon store card " managed '' by Synchrony, via the link on my Amazon account. Even though I had already successfully made my minimum required payment about 2 days earlier using the link at Amazon, this time the link was no longer available. I did not know how to reset it so I called Synchrony to either fix this problem or to allow me to make a payment ( about {$710.00} ) another way.
Synchronys agent who tried to help me at first did not see that I had already paid the {$40.00} minimum ( about 2 days earlier ) and initially told me that in order to avoid interest charges I would have to pay {$750.00} ). He eventually saw that I had already paid {$40.00}, so that {$710.00} would indeed be enough to cover the last statements entire balance in its entirety.
He then asked me for the routing and account numbers ( bank ) that I wished to use to make this payment, and I provided them to him by reading them to him off one of my checks. He accepted this form of payment.
Several days later ( XX/XX/XXXX ) I received an a-mail from Synchrony that my payment for this {$710.00} had processed. But, then on XX/XX/XXXX I was notified that it hadnt! Synchrony charged me interest on these {$710.00} and it closed my account and stole the 5 % rebate that I had accumulated in recent weeks.
I have used checks bearing these same numbers many times and had only a few days earlier successfully made an online payment using them elsewhere.
All of these matters seem to be a result of Synchrony not being able to find a bank 's routing number and then taking a week to say so- so that they can try to charge customers interest and apply whatever other punishments they think that they can get away with.
I should point out that around XX/XX/XXXX I also complained to Amazon directly about Synchronys incompetence, greed, etc., so, maybe Synchrony decided to close my account to retaliate against me for daring to complain to Amazon about them?
Furthermore : A similarish situation arose with Synchrony and me earlier this year. I also complained then to your Bureau- but after temporarily becoming reasonable, they have forgotten their lesson ( s ).
If a bank displays such questionable behavior to a customer of a huge company like Amazon to which they are a vendor and gets away with it, what should we expect from banks who do not stand to lose such a huge account ( Amazon, in this case )?
It also seems to me that it is wrong for any financial institution to shoot first and ask questions later - i.e., to not find the right bank info numbers + then to charge the customer interest, late fees, etc. It seems that the fault in not being able to process a payment is theirs, not mine.
|
| 04/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX District Court Judge : XXXX XXXX XXXX Referred : XXXX XXXX XXXX Case # : XXXX Nature of Suit XXXX Civil Rights - Other Civil Rights Cause XXXX Civil Rights Last checked : Monday XX/XX/XXXX XXXXXXXX XXXX EST Defendant XXXX XXXX XXXX Defendant XXXX and XXXXXXXX XXXX Defendant XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX,, - -, - -,,,,,, ( ^_^ *=* XXXX XXXX XXXX A Case Has Been Filed with Office of Special Counsel which was also sent to the XXXX Report Status : Unknown XXXX is Herby listed as Non-Compliant ( False Narratives, Failure to Report, Filibusters ) You are scheduled for an interview by Phone with the Equal Employment Opportunity Commission ( EEOC ) regarding your inquiry XXXX XXXX This email confirms your appointment with an EEOC representative of the XXXX office for XX/XX/XXXX at XXXXXXXX XXXX
XXXX XXXX Release www.childwelfare.gov/pubPDFs/report.pdf XXXX XXXXXXXX XXXX XXXX XXXX The XXXX XXXX says it wants to discharge the two XXXX even though their commanding officers recommended retaining them because their XXXX status bars them from XXXX XXXX, and it generally wants its XXXX to be XXXX XXXX. The plaintiffs say a similar rationale was used to deny an XXXX XXXX to XXXX XXXX. XXXX XXXX, an Oklahoma native who is seeking to join the Judge Advocate From : XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX EST To : XXXX Subject : Reminder - Schedule an Interview You recently submitted an inquiry, XXXX, about alleged employment discrimination by XXXX XXXX XXXX to EEOC. We noticed that you have not yet scheduled an interview to discuss your claim.
Response FOIA Release XXXX XXXX XXXX XXXX The ADA strictly limits when employers may ask medical questions or require medical exams.
discrimination against persons living with XXXX, is one of the central goals of President Obama 's National XXXX Strategy.
REPORT NUMBER : XXXX Please scan/email the signed completed form to XXXX. For questions regarding the program, please call XXXX XXXX XXXX XXXX at XXXX.
XXXX Warning : This document is UNCLASSIFIED//FOR OFFICIAL USE ONLY ( U//FOUO ). It contains information that may be exempt from public release under the Freedom of Information Act ( 5 U.S.C. 552 ). It is to be controlled, stored, handled, transmitted, distributed, and disposed of in accordance with DHS policy relating to FOUO information and is not to be released to the public or other personnel who do not have a valid " need-to-know '' without prior approval of an authorized DHS official. No portion of this report should be furnished to the media, either in written or verbal form.
Expiration XX/XX/XXXX Stage 2 : XXXX XXXX XXXX Stage 3 : Forma Pauperis Stage 4 : Pro Set Litigant
|
| 10/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
After relocating out of state and closing old and setting up a new bank account I called to make a double payment of {$400.00} in XXXX explaining the need to do this to provide time opening a new account. This payment was thoroughly explained and accepted after updating my address and other information that I needed to cover the current and following month. In XXXX I received no bill, no email, and no phone calls on the account. In XXXX I received a notice that my available credit dropped to {$1200.00} so I immediately called the company and was informed despite their employee accepting a payment for two months that they can't do that and despite speaking to multiple people explaining that it was deceptive to even accept the payment but I would pay the amount if they would correct my available credit back to what it was. After speaking to 3 people requesting a manager each time I was connected with someone who would only identify as XXXX, the only manager I could speak with and was told they could do a hard inquiry to see about a credit increase but the payment they accepted did not matter and there was nothing they could do.
Following this phone call I was then locked out of my mobile/online account and could no longer access past statements, payment history, or any information what so ever on my account. I haven't found anything in their terms that says they will or even can do that.
I made multiple attempts just to correct the problem because I was in the process of completing a homeownership course and my score dropped significantly because this is my oldest account and my available credit dropped {$7000.00} for an error on the behalf of their employee. Now that the account status is supposed to be closed and 3 final payments scheduled they are still sending me bills with interest rates and increasing billing amounts and not properly reporting this. I was at the end of paying off the amount on this card I have paid {$7100.00} of {$8300.00} and now lost the ability to buy a home but they're still increasing the amounts after I scheduled to settle since they wouldn't do anything to make this right. I also had a promotional purchase on XX/XX/XXXX that would of been paid beyond the full amount with payment made before and including XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX in the amount of XXXX that was being charged interest but I can no longer access online statements and did not receive two months of paper statements.
I have exhausted all efforts at this point I will pay for the employee not aware of their own terms or conditions and it makes me sick to my stomach reading all the accounts of people that have had long term accounts with this company and experienced significant loss of opportunity because of what their practices did to their credit health.
|
| 02/28/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
In XX/XX/, we ordered door cover At Lowes Store in XXXX XXXX. The order was Shipped to our house. The item was an incorrect design versus to the design we chose. The Lowes XXXX install it anyway because he the XXXX already damaged/ripped the door cover that we are temporarily using and told us to go to store and report about this wrong door cover that we received so a correct replacement order should be processed. The wrong door cover can be brought down once we receive the replacement and sent back to the store for refund. We went to the store as the XXXX said and met with the XXXX and explained to him what happened. This XXXX assisted us in getting the replacement same door cover design that we picked originally. This XXXX even showed the catalog for correct design which the previous sales person never did. In short, the replacement to the wrong door cover was processed and I ask this XXXX after he finished the transaction if how the credit will be handled. XXXX even said that he gave a good discount for the trouble that was caused to us. The wrong item cost us {$500.00} and the replacement order cost us {$660.00}. After a month I do not show credit processed for the wrong item and ask the XXXX how it will be handled and he told us that no refund or credit will bone so I filed a dispute with the bank. Installation for the replacement was arranged in XX/XX/2022 but installation was refused by XXXX because I was told that I filed a dispute. I do not have the replacement order and I refused the installation after several months because merchant will charge me if I want it installed. I refused anymore of the installation because of what this merchant has put us through. All of this dispute issues were all communicated with the merchant and the credit card bank with all the support documentations and live recorded conversation that were documented as they say of what transpired in all my dispute conversation. My card has an ongoing charged including penalties of both amount and the credit card in their letter told me that the amount of {$500.00} will not be refunded at all because of the purchase contract even if the shipped merchandise is wrong. Credit Card bank continues to charge me of the Replacement order that I do no have in the amount of {$660.00}. All documents and my back letters will be provided upon request with the hope that will resolve my issues. I told the merchant and credit card back that what happened to us is harassment and discrimination for seniors like us and working on our relocation to XXXX XXXX. It also seems that this credit card company owns this merchant and seems protecting them more than a consumer. Please help XXXX seniors. This merchants XXXX us feel that we do not remember what went on. Thank you and I hope to hear from you soon.
XXXX
|
| 09/25/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am having a problem with my CareCredit account, which is up under Synchrony Bank. They are penalizing me for disputing a charge, and not giving me the provisional credit that they are claiming that they are doing, which is required by Federal Regulations.
I had a credit limit of {$1900.00} with CareCredit. Therefore my available credit limit was {$1900.00}. I made a one time purchase for {$1800.00}. As a result of such, my available credit limit became {$5.00}. After that, I made a one time payment to CareCredit, of {$1800.00} to pay off my entire balance. Such payment brought my available credit limit back to the original amount of {$1900.00}. I have not used my CareCredit account since then, so my available credit remained at {$1900.00}.
Because the purchase I made for the {$1800.00} contained a breach of contract, I disputed such charge with CareCredit, and subsequently was told that I was going to be given a provisional credit for the disputed amount. Instead of being given a provisional credit, prior to doing so CareCredit placed a hold on my account for {$1800.00}, in order to stop the provisional credit of {$1800.00} to be given in good faith. Such action flies in the face of 12 CFR 205 Electronic Fund Transfers, as governed by Regulation E. ( https : //www.federalreserve.gov/supervisionreg/reglisting.htm ).
For me to have an available credit limit of {$1900.00}, then dispute a charge of {$1800.00}, just be given a provisional credit of {$1800.00} right after a hold is placed on my account for {$1800.00}, is tantamount to not being given a provisional credit at all. In fact, since the hold has been placed on my account prior to the provisional credit being posted, my current available credit is only {$5.00} and will remain at {$5.00} until the provisional credit posts to my account ( when prior to such dispute my available credit was {$1900.00}. ) If my available credit limit was {$1900.00} prior to the dispute, and after the provisional credit of {$1800.00} is posted, my credit limit is still {$1900.00}, where is the provisional credit at?
By Synchrony Bank and CareCredit placing a hold on my account for the amount I am disputing while offering me a provisional credit, they are surreptitiously circumventing the banking regulations set forth to protect consumers, and finding a way to abuse my rights as such consumer. CareCredit is making it appear as if they are giving me a provisional credit when they are in fact not doing so.
I spoke to three different people regarding this issue on the morning of Sunday, XX/XX/2022. The people that I spoke to were representatives by the name of Nurse ( phonetic spelling ), via phone ; XXXX, via SMS ; and XXXX, who said he was a manager, via phone. None of the three parties made an attempt to resolve this issue.
|
| 11/20/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
On XX/XX/2020 I applied for a Lowes credit card online. Was instructed to take a video of myself for facial recognition purposes and to then take photo of the front and back of my Hawaii drivers license. All went well and was accepted until taking pic of the bar code on the back of my license. Website locked me out after x amount of tries. I was in dire need of washer/dryer, so I drove to nearest XXXX store with all the documentation I felt was sufficient, ( previous years tax returns and W-2, original SS card, latest check stub from employer and said Hawaii drivers license ). Spoke with store manager, who then put me in contact with their credit card people on site. They spent over 2 hours on the phone with several different reps of Synchrony Bank/Financial, ( Lowes credit card issuer ) and it was revealed only way to continue was to go through same process as I had previously done online, i.e. photo of barcode, video etc. XXXX employee took video ( accepted ), pic of front of drivers license ( accepted ), and pic of bar code on back of license ( not accepted as it again would not read ). After the allotted tries system once again locked us out. Was told nothing I could do but wait for letter from Synchrony. I paid for washer/dryer with my bank debit card and went home and waited for said letter, which arrived on XX/XX/XXXXand was dated XX/XX/XXXX. Called # from letter and was told I needed to go through the same process as before. Went online and was locked out. Called back and requested account manager who said she would unlock and to try again. Went through the process again with same results ( bar code would not accept ). Have requested Synchrony to please either give me another avenue to prove my identity or cancel application and remove hard inquiry they have put on my credit report. They stated they will do neither. I have previously received offers of credit from Synchrony in mail. I have had a mortgage for almost 14 years, several established utility accounts and have even been approved for a mortgage refinance within the past two weeks from XXXX XXXX ( which took less than an hour, compared to the six plus hours I've spent dealing with Synchrony on this issue ). I am presently awaiting denial letter from them. I really no longer need the Lowes card and only applied to take advantage of the 12 month financing for washer/dryer. I feel this practice is unfair as it affects my credit score, which is in the low 790 's and feel that I should be given another avenue of proving my identity. Person who helped for several hours at Lowes store said they have experienced this issue several times before. Any help you might provide will be appreciated, as I am willing to do whatever is necessary, but scanning of bar code on drivers license obviously will not work. XXXX
|
| 03/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have a Care Credit Mastercard in which I have an interest free Promotional Balance for 24 months. On occasion I also charge other interest bearing charges to the account, herein referred to as the Regular Balance. Care Credit policy, as has been explained to me many times, is that I must pay the minimum balance on the card monthly, this is the amount that will be allocated toward paying down my Promotional Balance in the allotted time frame. Once the minimum balance obligation is met, their policy, as stated to me is that any payment above or additional is then allocated to the Regular Balance. This is important to me as, in order to avoid interest fees, I pay my credit cards in full each month. Care Credit is not following the policy stated above and as provided to me by Care Credit. I believe they are fraudulently and purposely misallocating payments to charge and/or maximize interest fees.
Example : On XX/XX/20, I paid my minimum balance of {$150.00} as required and which, at this rate monthly, will pay off my interest free Promotional balance as required with a few months to spare. In the same billing cycle, the next day, I made a payment of {$54.00} to cover additional non-promotional purchases to date. This payment was not applied to my regular balance to cut down on interest fees and per their policy, but rather to my promotional balance. I contacted care credit and, after being given a hard time, they agreed to reallocate the funds to the regular balance. Also in this same billing cycle, on XX/XX/20, I wanted to make a final payment in the cycle to pay off the full regular balance to avoid interest charges. I contacted Care Credit prior to making the additional payment and was assured that, per their policy, the payment would allocate to the regular balance. I was very adamant that I wanted to ensure this payment be allocated to the regular balance. The rep agreed to make a note on the account to ensure this would happen. I hung up with the rep and immediately made the payment of {$190.00}. Today, XX/XX/20, I contacted Care Credit and was informed by the rep that payment was not allocated to the to the regular balance and AGAIN was allocated to the promotional balance, despite my reassurance by the rep, my request to the rep, and the note on the account. I was also again given a hard time regarding reallocation, even though it is per the policy. The second correction will again take 1-2 billing cycles to complete. Care Credit should be following their policy without me contacting them to insist that they do.
I have other examples of the same pattern that have happened previously. Based on my experience and the example above, I believe Care Credit Mastercard is fraudulently and purposely mis-allocating payments to charge and/or maximize interest fees.
|
| 06/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
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I purchase clothing online from XXXX XXXX and used their site and PayPal Credit since it was offered and it was offer no interest with Paypal for purchase made at XXXX XXXX if balance was paid in full with 24 months.
So i purchase clothing items online of about {$550.00} worth us paypal to pay it and when the merchant ship the order and took payment. I should have be required to sign for the package as I have a Signature Require with XXXX, XXXX, and USPS unless the merchant authorizes the release and overides my sign required hold. In this case that is what happen the order with delivered by XXXX in three white shipping bags that where thrown on my porch and the bags where open and ripped and had one piece of tape on themin attempts to keep bags from being notice open which I took pictures of when i got home and saw them. I contacted the merchant and requested a return and refund. The merchant refuse to refuse money charged me return shipping fee. and confirm receipt of return this all within 14 days of purchase. I received confirmation they received return. but not refund and they claim to email me a egift card store credit for the amount when i requested and demand my Credit Account with Paypal that was charges be refunded. Merchant has not refunded anything to my paypal account. I have disputed the billing and charge with PayPal and PayPal Credit and the allow my dispute but come back in favor of merchant and stated a pruchase was make, and if I want refund I must return the items are you kinding me I did return items, I never signed and or accepted the packages and delievery and XXXX, USPS, and XXXX have on my online account restricted delievery address requires signature to delievery. The pacakages and items were delievry not as purchased and agreed, the items were damaged and open and not in new sealed conditions, if I had been present at delivery I would have refuse delievery due to condition of packages ( 3 Bags ) and again requested and demanded a refund and I paid for good to be delivery in a certian condition which the merchant and courier fail to down and therefore intitled to a refund upon return receipt of items from merchant which I received and which merchant charged me {$7.00} for shipping of returns to them.
I disputed the matter with Merchant and attempt to resolve with no success, I disputed with Credit Company the charge that I was charge for items that I received outside scope of assume agreement on a online order and purchase and one did accept and or sign for it and therefore didnt accept the condition of items states during delivery and the items return merchant and my credit account should be refund in full or dispute should be in favor of me Of and now all my letters and there finding are not longer available to be to print and or save
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| 06/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Today, XX/XX/XXXX, I attempted to make a payment on my CareCredit card managed by Synchrony. We opened it last year XXXX XX/XX/XXXX XXXX to pay for my husband 's XXXX which is an approved expense under our HSA. I have been paying the monthly payments out of pocket because we had other medical bills we were paying off with our HSA. This was my 1st attempt using my HSA to pay this credit card. I was unable to use my HSA to pay the monthly payment. I reached out to Synchrony representative via online chat. I was told I am not able to use any card that has a Visa, Mastercard etc. logo on the card, and even then an HSA card without would probably not go through. We planned on being able to use the HSA to pay off this bill, so we budgeted that way. It is very deceptive that a credit card that is marketed solely to pay for medical, dental, or ophthalmologic services will not accept HSA funds. I have attached the CareCredit Cardholder Agreement section about how to make payments. It does not state that HSAs are not applicable.
HOW AND WHEN TO MAKE PAYMENTS When Payments Are Due. You must pay at least the total minimum payment due on your account by XXXX XXXX. XXXX XXXX XXXX on the due date of each billing cycle. Payments received after XXXX XXXX. XXXX XXXX XXXX will be credited as of the next day. You may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If you have a balance subject to interest, earlier payment may reduce the amount of interest you will pay. We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it.
Payment Options. You can pay by mail, online or at certain dealers/merchants/retailers that accept the card and payments. We may allow you to make payments over the phone but we will charge you a fee to make expedited phone payments. Your payment must be made in U.S.
dollars by physical or electronic check, money order or a similar instrument from a bank located in the United States.
How To Make A Payment. You must follow the instructions for making payments provided on your billing statement. If you do not, credit of your payment may be delayed up to five days. Your billing statement also explains how information on your check is used.
Payment Allocation. We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion.
Thank you for you for your time and assistance.
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| 10/26/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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On XX/XX/2022 I received a call from XXXX. When I answered, no one spoke so I hung up. After doing some research, I discovered that the call was from Synchrony Bank -- the bank connected to my Amazon XXXX credit card. I became suspicious about this call as I previously had a problem with Amazon 's method of security ( complaint # XXXX at FTC ) and decided to check on my Amazon credit card connected to this bank. When I checked, I discovered that Synchrony Bank had placed an incorrect balance of {$240.00} on my account. I requested " chat '' and tried to explain what was happening. The " chat '' could not understand what I was trying to say and contacted a Synchrony Representative by chat to no avail. I then called Synchrony and spoke to representative XXXX. XXXX understood my concern and forwarded me to a " higher up '' representative, XXXX. I explained my concern to XXXX who told me that the reason that my balance was {$240.00} was because Synchrony did not recognize the bank that I made payments from and because of this, late fees were charged. I don't understand " why '' Synchrony did not recognized XXXX XXXX XXXX as during the month of XXXX, I made a payment of {$30.00} through XXXX XXXX XXXX. This seems like an excuse to return the payment " as unrecognizable bank '' and then charge the customer a late fee. I then explained to her that I have been making my credit card payments on time since XXXX and had my paper statements in front of me to prove it. I then clarified to XXXX the exact due dates for my credit card payments in the months of XXXX and XXXX along with the exact payment dates made -- both payments were made on time. XXXX 's payment was made on XX/XX/XXXX, although the payment was not due until the XXXX. XXXX 's payment was made on the XXXX although it was due on the XXXX. Each payment posted. After explaining this, XXXX immediately hung up without explanation.
The balance on my account for XXXX was XXXX. I made a payment through XXXX XXXX XXXX 's bill pay for {$30.00}. I made more purchases after this payment was made totaling {$88.00}. The balance for XXXX was XXXX. I then made a payment on through their online system in the amount of {$29.00}. After this payment was made, I then made two more purchases in the amount of {$86.00}. My balance should be approximately {$180.00}. But due to their calculated " late fees '' it has increased my balance to a significant amount of {$240.00} which is very incorrect, and they refuse to correct this information on my Amazon/Synchrony account. I also have another account with Synchrony Bank through another credit card and have never had a problem. But with Amazon, if I may be truthful, it seems like there are a bunch of scammers in charge of customer accounts. They are constantly tampering with my account.
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| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair route credit reporting act 15 USC 1681 section 602 a states there is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness and impartiality, and the respect for consumers rights to privacy. XXXX and XXXX are consumer reporting agency and I am a consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation to respect the privacy of customers to protect the security and confidentialities of those customers nonpublic personal information SYNCHRONY BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subsection see any consumer reporting agency may furniture consumer report under the following circumstances, and no other : in accordance with the written instructions of the consumer, to whom it relates SYNCHRONY BANK the financial institution, and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and SYNCHRONY BANK whether it be verbal nonverbal written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution, may not disclose nonpublic personal information to nonaffiliated third parties, unless the consumers, giving an explanation of how the consumer can exercise that non-disclosure option SYNCHRONY BANK Never informed me of my right to exercise. My non-disclosure option. Not only that 15 USC 1681C. ( a ) ( 5 ) states except as authorized under subsection be no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item. They are reporting again without my permission, and it is against the law. 15 US code 1681 S-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable cost to believe the information is inaccurate 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681C of this title, and to limit the furnishings of the consumer reports to the purposes listed under section 1681B of this title XXXX and XXXX are not mean tanning reasonable procedures. also 12, CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of their reporting services.
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| 02/22/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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This is the third time we have had to report a problem with Synchrony Bank, regarding the XXXX XXXX credit card. The previous two complaints were originally submitted through the Wisconsin Department of Consumer Protection, and then forwarded here. Now that we have an established account here, I am submitting this complaint directly.
The problem, in each case, is the same. We are being charged late fees AFTER we post on time payments. We have screen shots to prove this. In the first complaint, submitted here on XX/XX/2018, Synchrony accepted responsibility and refunded the late fees and restored the account to good standing. We made all subsequent payments, but were nevertheless assessed late fees, again after paying on time. ( Again, we have screen shots of the account which confirm this ). As the letter submitted by Synchrony Bank in response to the initial complaint confirms the account was restored to good standing, and as we made each of the next two payments on time ( easily confirmed through the due dates and the dates the checks were cashed by Synchrony ), there was no justifiable reason to assess late fees. Yet in XX/XX/XXXX, a {$35.00} late fee was again assessed, after a full payment of {$84.00} was processed before the due date.
At this point, we resubmitted our complaint, because Synchrony Bank was simply non -responsive. ( It is a policy, apparently, of Synchrony Bank to conduct all conversations with customers over the phone, which does not allow for written records to be maintained by the customer. We insist on all correspondence with this company, given their track record of questionable practices, to be in writing. Because the company makes this almost impossible, we are struggling to communicate with them. ) The second complaint was met with less consideration, which may be seen via the written response posted here to that complaint, which we filed in XX/XX/XXXX. Since then, we have been unwilling to send additional payments, as they are NOT honored or processed fairly. This has led, inevitably, to additional late fees and threats from the company - in addition, because they will NOT communicate with us in writing ( email or regular mail ), we have reached an impasse.
Our credit has been adversely affected by this situation, and we are now beyond frustrated. We will make the necessary payments to bring this account to good standing, but we expect a full refund of ALL late fees, as well as repair to our credit.
We also demand that this account be closed. We will certainly NOT do business with Synchrony Bank, under any circumstances, again.
We would also ask that a more comprehensive investigation into the late fee/payment policies of Synchrony Bank. It seems very apparent that we are not the only ones being victimized in this manner.
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| 08/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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RE : Synchrony Bank, and " nefarious enrollment practices. '' In XXXX I opened a Synchrony credit card account at my dentist office. It was explained to me, by the staff at the Dentist 's office, that I could pay my bill with a synchrony credit card, they could open the account for me. This account, they explained, would allow me to make a monthly payment on the loan which would be interest free for 18 months.
Once I was signed up, Synchrony give me a minimum monthly payment, {$100.00}, and said - the website said - that as long as I paid it regularly without missing a payment I could maintain the interest free promotion. For 18 months I made this a payment every month and had no interest on my loan.
In XX/XX/XXXX the balance was {$620.00}.
That was the end of the promotion.
I just now realized at the end of the promotion, Synchrony did not start charging me interest on the remaining balance.
They retroactively charged me interest on the entire 18 months Ive had a balance. {$890.00} in one single charge for back dated interest.
At no point in the process of my enrolment was it explained or suggested that the promotion was a countdown -- you had 18 months to pay off the loan, after which you would have to pay interest on the loan from day 1.
I thought I would start paying interest on {$620.00} but I was charged for the entire loan ( I think it was XXXX dollars but I don't have that information right now ).
I called the bank and spoke to a customer service representative, she then put me in touch with a manager. His name is XXXX, when he explain the situation to me I was so flustered I neglected to write down the exact word used for this retroactive charge. It was not backdated. '' But it was a similar sinister and deceptive phrase. Alarming!
I inquired where the bank was located and XXXX said, or CLAIMED I should say, that the bank had no physical presence. When I asked where it was incorporated he said that there was no actual physical place where the bank could be contacted. This alone is clearly a falsehood. The bank is headquartered in XXXX Connecticut.
I see from XXXX that an earlier incarnation of the bank was caught in just such shady practcies : " the U.S. Consumer Financial Protection Bureau and the Department of Justice reached a {$220.00} XXXX settlement with the company after it entered into a consent decree with the Consumer Financial Protection Bureau. The settlement stated that while operating as GE Capital Bank, the company had engaged in deceptive and discriminatory credit card practices, primarily surrounding nefarious enrollment practices for add-on programs such as financial hardship relief. '' The entire press release from XXXX is attached.
I am writing to complain about a " nefarious enrollment practice, '' circa XXXX.
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| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly.
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681.
XXXX, account number, XXXX, inaccurate amount shown on the credit report.
XXXX account number : XXXX, inaccurate amount shown on the credit report.
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX.
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times.
XXXX XXXX, inaccurate amount shown on the credit report.
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report.
XXXX XXXX Account closed company stop reporting and no longer in operation.
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report.
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report.
The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
15 USC 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report.
Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA.
I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further.
I look forward to a prompt resolution of this matter.
Thank you for your assistance.
Sincerely, XXXX XXXX.
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| 06/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2020, I went to Value City XXXX to purchase some furniture the sales person XXXX XXXX asked me if " I wanted to open up a charge account '' I said yes and got approved. After the transaction was done she did inform me that the furniture that I just purchased was not in stock but it will be in a week, so she set up the next available delivery date which was XX/XX/2020. I did inform the XXXX that I had issues with Value City over 20 years ago about back orders and it took over 4 months to get a refund and she assured me I wouldn't have a problem like that again. Then COVID-19 came they sent an email changing the delivery date which was understandable, then I went to the email again and they change the delivery date to XX/XX/XXXX again without contacting me. I started receiving bills and phone calls from Synchrony credit card company stating I was past due with my payments ... I informed them that I never received my furniture and I would like to file a claim. They took all the information and stated it will take about 60 day to investigate and you don't have to make a payment until this is resolved. About two days later I received a call phone Value City they left a message on my voice mail stating the new delivery date was XX/XX/2020 and contact us if this is not convenient for you, any date would have been okay but I still tried to call them back to let them know you need to adjust the date on my charges, know one answered. So, I see on the site from the email I have a scheduled date of XX/XX/2020. This is another month later on Monday, XX/XX/2020 I notice I have some voice mails I listen and they have been calling me on XX/XX/XXXX and XX/XX/XXXX asking me to call them to confirm,1 message states that they will be there as schedule between the hours of XXXX and XXXX then the other messages stated if I didn't call them back by XXXX they were going to cancel my delivery. I tried call them on XX/XX/XXXX, no answer I sent message through there website and the last message was if you don't delivery my furniture as schedule I need for you to remove the charges from the credit card account, know one has reached out to me as of the XX/XX/2020. I called Synchrony on XX/XX/XXXX and XX/XX/XXXX and I asked them to removed the charged due to them canceling my delivery again and they said the first case I put in was cancelled I would have to submit another claim. I asked who cancelled my claim and the agent could not tell me and I asked what was the finding and she could not tell me ... at this point I just want them to remove the charges of XXXX dollars I still owe XXXX for the carpet that I did receive total charges were {$2000.00}. At this point I believe the store and Synchrony is in this together to try to charge me for something they know I didn't receive.
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| 08/10/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
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Ok back on XX/XX/2019, i receieve a message or text from jcp card service asking me about a purchase that was made a ( alert ) so i quickly call them up to let them know that it was not me! so they say let close your card and i say ok let 's close my account completely and stop this order from shipping they say ok done! so they open a faud investigation. the next dayXX/XX/2019 i get a message or text telling me the item has ship! i call back right way, and ask where did you let this ship, i was told that you could stop it but you didn't. so they could not answer me so they but me with the fruad unit again so i ask why has this going this far, this should have stop case over! as where has this item been ship to, could not tell me ok! look up the tracking information and find out the item is beening ship to me! still know help from JCP and they investigtion unit! so i call XXXX XX/XX/19 and spoke with someone that in charge i explain everything to them and ask them to make sure the driver does'nt stop and give this to anyone on the road or drop it off on my door and leave it, to please deliver it to me on my hand. than i XX/XX/19 call the sheriff 's department and they quickly send a deputy to my home, Deputy took my statement and waited for the XXXX to come, deputy was present went the deliver was make and i open item up in front of the deputy and it was the item in question! XX/XX/19 return item to XXXX in person, spoke with a XXXX XXXX assistant store manager, in which she sign for the return in question, now they say i have never return the item i have been going back forward with JCP credit card servics since this issure and still saying no item return!! but i did speak with one of the operator from card service and she did confirm that the item was return, So why is JCP card services keep going around in circle, i just receive a letter telling me item has not been return.This is very tiring, i have submit the proud to them numerour of time over and over again. PLEASE HELP ME!!! one more thing i also told them to check they security cameras or surveillance cameras and you will see me thier with the Assistant store Manager : XXXX XXXX. Very convenient for them that this store manager has been move to other store!!!! not soon after this happen!
other thing i also told them that my credit report and score is excellent, that it make no sense for me to do anything like this!!! i just goe a new letter from synchrony bank tell ing me that the item has not be return.if i have any question i could call open a new re -- evaluate again and again here we go again back and forward. i have spoken to a attorney and was told once they ruin my credit than we have a case. so htet advise me to file complain with you and the FTC which im doing now!! SO PLEASE HELP!!!!
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| 11/04/2023 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
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I missed 2 months payment on a XXXX credit card owned by Synchrony Bank. That was XXXX and XX/XX/XXXX. When I attempted to pay on the third month, XXXX, my account was closed. I was told by the representative that my account was closed and sold to a debt collector. I requested the information of the debt collector so I could begin payment but was told they did not have that information. The representative told me the collection agency would be in contact with me. I made several attempts monthly to find out from Synchrony who I could pay. I finally gave up and waited to hear from the debt collector. In XXXX of XXXX by an attorney 's office by the name of XXXX XXXX XXXX, XXXX. The young lady representing XXXX XXXX was very rude and threatened to garnish my wages. This is in violation of my rights as it was well past the required 5 day notice of acquiring my debt. This was 2 years after the fact. I explained I tried to pay and worked out a payment arrangement. They demanded I provide my banking information over the phone to set up payments. I told her that I was uncomfortable with doing that but if she could provide me with the address and other information, I would be glad to mail certified funds each week. She argued and then after a while stated it would be sent in the mail. I called each week to get information on where to send my payment and was told " it is in the mail. '' I never received anything. In XXXX of XXXX, I was served with an intent to garnish my wages. The amount owed was inaccurate. It was well over what my initial debt was. At that time I owed {$1000.00}. They were charging me over {$1500.00}. I asked if I could settle with {$1500.00}, {$500.00} more than the debt, and was told, " no. '' The garnishment did not go through as I was under another Garnishment that I agreed to. Both of these Garnishments were sent through XXXX XXXX. In XX/XX/XXXX, I was served with another XXXX through XXXX XXXX by the same attorney but now for over {$1700.00}. My rights have been violated by not notifying me on a timely manner of the purchase of my debt, not providing me with a reasonable accommodation to repay my debt, egregious charges being added because of change of jurisdiction, and rude behavior all around. This is one of two debts I owe to Synchrony Bank and that was bought by this attorney. The other was a XXXX card. The same details with the XXXX card can be given for the XXXX as both were closed at the same time for the same reason and originally owned by the same bank and then sold to the same attorney. The XXXX card had a balance of {$500.00}. Now the attorney is charging over {$800.00}. The payment arrangement set up with the XXXX debt also included the XXXX. XXXX amounts were to be paid weekly but payment information was never sent for either.
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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Today at XXXX I attempted once again to speak to someone ( XXXX XXXX at SYNCPB/PPC Paypal credit as this appears on my credit report. I have already provided previous information to my Credit Bureaus, namely XXXX as well as the other XXXX. They have refused to properly investigate and have simply sent an effortless response saying that they investigated and that this shows as belonging to me.
I was told that my account has a {$0.00} balance and was closed. I responded that it was I that requested it be closed but was told that they closed it due to delinquency. This was not the case as I remember it. However, I'm not sure if this minor fact is relevant. I expressed my point that I had made a significant payment of nearly {$1800.00} and that no balance had remained. All my payments were made on time. But somehow, XXXX accounts which appear to be the same account have been reported twice to my credit report significantly impacting my credit score twice more than justified. I even made another payment XX/XX/XXXX in order to prevent any further complications and to mitigate any error in my power. I requested the proper address of the department which is responsible for reporting this error and was told that it is NOT POSIBLE FOR ME TO BE GIVEN THAT INFORMATION. THIS IS EXTREMELY UNFAIR AND LEAVES NO OR LITTLE OPTIONS TO CORRECT THIS ERROR. This is a violation of my consumer rights and circumvents any ability I have to help correct this. I requested that this be corrected immediately and I was told that it was not possible. How can this be? I am left with no option and no remedy to correct this except to rely on the credit bureau- which as we can see will only side wit the merchant /company that reports this in obscurity. Please assist me. This has dropped my credit score significantly where it remains in an area range hopeless to obtain further credit or further participate in commerce related to credit despite a good credit history with several other accounts. This negative consequence is disproportionate and deserves legal action.
ATTACHED : Shows a further attempt to make an additional payment of {$27.00} in XXXX. I had a XXXX balance before this. I closed my account in XXXX to help ensure that there there was no further issue and in order for me to narrow down where this such error may be occurring. So my Balance is {$0.00} but yet somehow this merchant still reports me as late for XXXX. How is this possible? ( The additional merchant on this attachment is addressed in a separate complaint I have submitted very recent ). Further, I was promised today that I would receive an email confirmation reflecting a {$0.00} balance by SYNCPB/PPC this merchant in question but still have not received it so that I may include it in this complain herein submitted.
|
| 04/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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They received my negotiable instrument in XX/XX/2022, and applied it to my account, and following that they closed my account as paid in full and satisfied.
After several months they reversed the payment but left account closed, then proceeded to harrass me via mail, phone and email for a paid in full account.
Now they claim they can not accept my negotiable instrument, and failed to return the multiple negotiable instruments I have sent, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. The Trustees have failed to perform their duty as fiduciary trustee of the account. I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law. They have been reported the IRS via form 3949 for unreported income, and to the FCC for Securities fraud and violation of my registered security. I sent them a negotiable instrument a Money Order/Registered Security/Negotiable Instrument in the amount to payoff account, to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified. They have continued to ignore my registered securities and refuse to properly credit my account. I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone, that is a direct violation of my consumer rights.
|
| 11/21/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2016, I had a consultation with a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX, California who obtained my personal information through both my personal and medical history forms, such as my social security number, my date of birth and my income. This information was used to open a Care Credit account in my name at the XXXX XXXX XXXX XXXX in XXXX XXXX without my prior consent or knowledge.
According to current legal regulations, a doctors 's office who opens a Care Credit account for a patient must wait a minimum of three ( 3 ) days before the doctor can preform any procedure ( s ) over {$1000.00} on a patient in order to get paid by Care Credit. The XXXX XXXX XXXX XXXX in XXXX XXXX performed an illegal act by opening a Care Credit account in my name without my prior consent or prior knowledge on XX/XX/2016. When I called Care Credit, the representative that I spoke with confirmed that my account was open at the XXXX facility. In fact, I was working full-time on XX/XX/2016 in XXXX, California which is 89 miles away from my workplace in XXXX.
My initial consultation with the doctor, XXXX XXXX, at the XXXX XXXX XXXX XXXX in XXXX XXXX was on XX/XX/2016. That was the day in which my procedure was initiated and completed. Not only did the XXXX XXXX XXXX XXXX in XXXX XXXX fail to inform me that they opened a Care Credit account in my name four ( 4 ) days prior to my initial consultation with the doctor who performed the procedure, but the treatment coordinator at the XXXX XXXX XXXX XXXX in XXXX, California intentionally withheld a critical piece of information during my treatment coordination consultation on XX/XX/2016.
The treatment coordinator, XXXX XXXX, purposely withheld that the {$1000.00} used to schedule a consultation appointment with the doctor is non-refundable only until after the transaction was processed and completed. I felt coerced. Since there was no way to back out without incurring a financial loss, I felt forced into agreeing to have the procedure done with XXXX XXXX XXXX on the day of my initial consultation with the doctor on XX/XX/2016.
In conclusion, the following two actions constitutes unethical, unprofessional and fraudulent activities on behalf of XXXX XXXX XXXX. First, withholding the fact from me that the {$1000.00} used to schedule a doctor 's appointment is non-refundable only until after the transaction was completed ( XX/XX/2016 ) and secondly, opening a Care Credit account in my name by using Personal Protected Information ( PPI ) without my prior consent or knowledge on XX/XX/2016.
I am requesting that the complete amount of {$10000.00} be refunded immediately back to me since XXXX XXXX XXXX illegally opened a Care Credit account and processed the transaction with disclosing all the information.
|
| 03/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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On XX/XX/XXXX My Representative from the HR company in my Corporate office received a Call from a Carrier looking for me Named XXXX XXXX from XXXX XXXX XXXX. XXXX XXXX told my HR Rep that she had documents from the court and had an old address and needed my new one. My HR rep told her she would let me know and give me the information number XXXX and reference number XXXX. I called the number XXXX that XXXX XXXX left with my HR Rep and a Guy Answered by saying " Hi, how may I help you '' not once did he say name of the company or the whole speech about the call being monitored. He told me his name was XXXX XXXX and he is representing GE Bank and Walmart on a card that was opened in XX/XX/XXXX and now a complaint is filed against me. He gave me my address which was correct, my DOB and the last four of my Social. He said that the last payment that was made was in XX/XX/XXXX. And that now I owe {$2900.00} not the original {$1000.00} since interest and fee are added and that he sent me a payment plan letter in the mail. Which I have never received. He wanted me to pay on spot or he said my Employer would be served. So I told him I would call back on XX/XX/XXXX so about an hour after I talked to him My Dad called me to tell me a XXXX XXXX Left a message on his machine saying she had papers to serve me with that a complaint was filed against me and that she has already talked to my employer. I told my Dad to save the message. Then I get a call from a private caller and they left a message it was XXXX XXXX telling me the same thing she told my Dad and my Employer so She called my Employer first to tell them information, then my Dad, then me last. Well I called back the number XXXX to see if I could get a company name, a girl answered but did not say name so I hung up. A minute later I got a call from a Private caller, it was XXXX XXXX he left a message saying that someone said I called and wondered if I had a questions to call him back at XXXX. So like I promised I called XXXX XXXX back at XXXX on XX/XX/XXXX and I brought up the Statue of Limitations and he said now the last payment was made in XX/XX/XXXX. So I told him that is incorrect and I told him the laws were broken by his carrier. So he said that if I do not resolve this then my employer would be served and they will need to release my paycheck documents because they will garnish my wages, I told him this was a scam and hung up. I waited 10 min and called back hoping to get a business name and a woman answered and told me the name of the business was " XXXX XXXX XXXX ''. Laws have been broken my privacy has been violated and I am thinking of talking to an attorney about this. My Employer was concerned for me, My Dad was Concerned for me. This is Harassment, Illegal, and my Privacy has been violated.
|
| 10/23/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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We had a Banana Republic XXXX Card run by Synchrony bank. This card was stolen electronically 4 times in 4 months. That is, there were fraudulent charges made on the card while it was still in our physical possession. We were told that the fraud would be investigated but never informed of the outcome of the investigation. We were promised identity protection by XXXX representative and then informed by another that this protection was never purchased for us and could not be awarded by the bank. After the fourth time we were informed that the card yet again had fraudulent charges on it ( XXXX ), we requested to pay the account off in full and close the account. We informed the representative yet again that it was clear that fraud was occurring within the bank and that someone was hacking our account information as we had not lost the physical card. At this time XXXX XXXX XXXX, in order to close the account, we paid in full the amount the representative told us was required to close the account. We were required to do so without being able to see our bill and assess what charges were ours and what were fraudulent. We did this because we wanted to get away from this bank and the continuous fraud. We requested and were promised that documentation proving that the account had been paid in full and closed would be sent on XXXX. This information was never sent. In XXXX, we were alerted yet again of fraudulent charges on this same credit card, which we had attempted and been told had been paid in full and closed ion XXXX. We requested again that the account be closed and again alerted the bank of the theft history and the numerous times we were promised steps and protections by the representatives ( i.e. identity protection, documentation of the closing of the account ) that were never ultimately provided. In XXXX we received a check for around $ XXXX {$250.00}, reimbursing us for overpayment from the bank. On XXXX XXXX we received a bill on this closed account telling us we owed close to {$700.00}. When we spoke to a representative on XXXX about this charge they informed us that the amount reimbursed to us in XXXX was doen so in error and that the account had not be paid off or closed on XXXX as we were informed. On XXXX we informed the representative that we should not be held responsible for any charges made after XXXX when we requested the account be closed and had paid the full amount we were told was required to close it. We also stated that we should not have to pay any interest related to these fraudulent charges. The bank representative informed us that he would speak to his managers about the issue but also stated that we were responsible for this {$700.00} bill. We informed the bank we would not pay this charge and were filing a complaint to CFPB.
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
|
SYBCB / JCPENNY # XXXX Date Reported Opened : XX/XX/XXXX Dated Reported Closed. XX/XX/XXXX This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq. that the above named company is reporting inaccurate credit information.
Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$350.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt.
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so.
7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
|
| 12/26/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
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Synchrony Bank was the Bank that provided loan for the 'Car Care One ' Account I had opened to charge my balance for maintenance work on my car at XXXX in XXXX , TX .
I have been paying Synchrony Bank through automated payments from my Checking Account. I was getting an automate call from the bank itself ( and never has it been identified in the call that there was 'collection issue ' or my account is 'delinquent ' in all the calls - almost every month on XXXX to date ). I was under the impression I was regularly paying my bill from my checking Account and my payments were all going towards my principal debt. I got suspicious today that the debt was taking too long to pay-off and when I got the call today ( XX/XX/XXXX ), instead of the regular 'automated pay ' option I was using, I selected the option to speak to the Representative and then on further discussion with her, I got the rude shock that they have been charging me a 'late fee ' of {$25.00} every alternate month without my Knowledge and to my chagrin I found that out of the {$57.00} payment I was making through these automated payments from my checking Account, {$25.00} was going to the " Late Fee ' and only the remaining {$32.00} was going towards my " actual payment + interest ''.
In Total in XXXX to date, the Late Fee Charged : {$130.00} By Misleading me this way, Synchrony Bank has been racking up 43.85 % of my payments ( 25/57 * 100 ) towards 'Late Fees '. They could have clearly indicated to me in the very first automated Call I got in XX/XX/XXXX or even before in XXXX that it was a 'Collect Call ' and these calls were not for 'regular automated Payments ' but because somehow I was late on the Account. I would have setup online automated payments toward my account a different way, the way I normally pay all my other credit cards. But by misleading me this way, they deliberately seem to be indulging in this practice so that they can just get almost 44 % of my payments towards " Late Fees ''.
My Account # is XXXX. I had an outstanding balance of {$200.00} today morning and I made another {$60.00} towards my monthly payment of which {$25.00} was towards another late fee and only {$35.00} was towards my outstanding balance of {$200.00}. I was VERY Upset and wanted to Pay-off the whole outstanding balance of XXXX and close the Account but I did not do that as I wanted to register this Complaint and was apprehensive my complaint may not be actively adjudicated if the Account is closed. I will be paying regular payments directly ( not thru Synchrony 's automated Call ) and will keep the Account open so that this Complaint can be actively investigated thru your esteemed offices.
Thanks very much.
Sincerely, XXXX ( XXXX ) XXXX -Cell.
XXXX Account # : XXXX.
My Address : XXXX, TX XXXX.
|
| 02/02/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have Lowe 's Store card through Sychrony Bank.
In XX/XX/XXXX, I noticed the card security charges were more than interest charged to the account, and I was also charged interest on the Card security charges. I called my Lowe 's card customer service Sychrony Bank at XXXX to dispute the charges. They transferred me to " XXXX XXXX '' at XXXX. I chose option 1 to remove the service asked to dispute charges. I was informed there was optional XXXX XXXX added to my account in XXXX during an online application. They claim I authorized it, however I did not. I had the account setup on autopay and electronic billing, and didn't notice the charges were applied - I misinterpreted them as interest charges. I thought the balance wasn't going down because of interest charges. I asked to have a full refund of both the charges and the interest. I was told all they could do was refund of {$1100.00}, and they would need to look into the interest charges. On XX/XX/XXXX, the following refunds were applied to my Lowe 's Card : $ XXXX, $ XXXX, $ XXXX, $ XXXX.
On XX/XX/XXXX, checked the totals and the account and noticed the amount refunded did not match the total amounts I was actually charged. I called back to " XXXX XXXX '' at XXXX, asked them to look at the account again, and stated the amount refunded still did not equal the total amount of charges, because it did not include the interest charges I incurred from their charges, they said again they would look into it. I then paid the account in full. It was my intention to wait for the additional refund and then close the account in XXXX XXXX.
On XX/XX/XXXX, I went to check the account and noticed a new charge on XX/XX/XXXX for XXXX from " Debt Can Benefit Payment ''. I called my Lowe 's card customer service Sychrony Bank at XXXX to dispute the charges. They transferred me to " XXXX XXXX '' at XXXX. I chose option 4 " other '' and disputed the charge as unauthorized and asked to have it removed immediately. I was told there was nothing that could be done, there was no supervisor to speak to, and they would escalate my concern and I would receive a call back within 24 hrs. I told them I would be filing a complaint and calling my attorney.
On XX/XX/XXXX, after I got off the phone, I began to document what I could about the situation. I researched back through prior statements and now observe that all former charges indicating the " XXXX XXXX '' service charges have been scrubbed from prior statements. There is no longer evidence of the prior activity. I have screen shot at attached the data I was able to retrieve online going back 1 year. Statements prior to XX/XX/XXXX are no longer available online. This is the link to the XXXX XXXX site : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Im a victim of identity fraud. On XX/XX/2020 someone fraudulently used my personal information and tried to attain a credit account with synchrony bank paypal. I received notifications from several different credit monitoring companies ( XXXX XXXX, XXXX XXXX and XXXX ) that theres a new credit inquiry on my account. I did not authorize or tried to open that account. I called synchrony bank paypal right away and notified them that I did not authorize that and that they investigate and close that account. I was told that within 30 days I will receive letter from them with the conclusion of their investigation. I called and mailed a letter to all of the credit bureaus ( XXXX, XXXX and XXXX ) explains that hard inquiry was fraudulent but I was told that I have contact the creditor because the credit bureaus cant do anything. I waited over two months and never received anything from synchrony bank paypal. I called back on XX/XX/2020 asked what happen to the investigation as the hard inquiry still shows up on my credit report. I was told that they dont have any information and to call back in few weeks. I called back a month later and was transferred to 5 different agents but they couldnt give me a response to whats going on with the investigation. I waiting months after months and called again on XXXX then finally a fraud department agent stated that they concluded the investigation and found that indeed the hard inquiry was fraudulent and that they will send a letter to the credit bureaus and myself stating that they will request the hard inquiry to be removed and any accounts associated with that. On XX/XX/2020 I received a letter stating the investigation was resolved in my favor and they asked the credit bureaus to remove the account and anything associated with it. I waited an month to see if the hard inquiry was removed but it was still there. I called XXXX to find out why they didnt remove the hard inquiry and I was told that they received a letter from synchrony bank paypal to remove the account because it was fraudulent but didnt say anything about removing the hard inquiry. Im just confused if the creditor stated to remove the account because it was fraudulent then that should be enough to remove the hard inquiry as well. I was told to call synchrony bank paypal and asked them to sent the credit bureau a deleted letter for the hard inquiry. I called synchrony bank paypal again and told them that XXXX wants a deletion letter for the hard inquiry and I asked to receive a copy as well. Its about to be XXXX and that fraudulent hard inquiry is still on my credit report and XXXX nor I received the deletion letter from synchrony bank paypal to remove the hard inquiry. Please help me remove this fraudulent hard inquiry on my credit report.
|
| 06/30/2015 |
Yes |
|
|
|
Web |
|
|
I have not received a bill in the mail at all until today, despite having had an account since XXXX 2015. I have been struggling trying to gain access to my account online as well. The bill I received today stated that I owed {$98.00}, which is odd since I paid my bill in full several months go ( a little over {$35.00} ) and had n't ordered anything since then.
I called their number and after a wait spoke to a person who identified herself as XXXX XXXX, a representative with a XXXX accent. I explained the situation and expressed concern that someone had stolen my card or unlawfully accessed my account and charged some items since I had not ordered or received them. She put me on hold and then returned to tell me that she could n't help me, that my account had been placed in collections.
I had JUST received a bill that XXXX ( yesterday ). She tried to hustle me off the phone and I insisted on speaking to someone who would help me, because everything she was doing had so far been, to my knowledge, completely wrong. She continued to insist that nobody could help me because my account was in collections and there was nobody who knew anything about managing my complaint or situation. I told her that I am a US citizen and that what she was telling me runs counter to consumer protections. She eventually transferred me.
The next person I spoke to called himself XXXX XXXX, id supposedly wsq, also with a XXXX accent. He was slightly more helpful but told me that the amount stolen would be accruing interest and late-payment charges while in dispute. He also wanted to outright cancel my account, which I believe would make it much more difficult for me to check the status of the dispute. XXXX also stated that there was no claim number. He then transferred me to XXXX, a person who spoke North American English with no discernible accent. XXXX did not explain why Synchrony Bank 's ( the bank that sources Amazon 's credit card ) XXXX response was to tell me that I could not be helped and aggressively try to dump the call. He did cancel the card, take information such as my car having recently been broken into etc, and told me that there was no case or claim number associated with my case but I could call back in 24-48 hours to check on the case 's progress.
Synchrony Bank's/the Amazon Card 's response in the face of theft and fraud was to tell me that I am stuck with the bill and the dings on my credit report that result from late charges and going into collection rather than forwarding me to the fraud department.
I should not have had to convince them to do the right thing. If they had been speaking to an elderly person, or a person with limited phone time, the charges of fraud would not have been addressed. This is an extremely shady bank and card.
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records oXXXX XXXX convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A.
" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
|
| 12/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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On XX/XX/2021 I, the consumer, sent a cease and desist to SYNCHRONY BANKXXXX XXXX XXXX for XXXX accounts demanding that all forms of communication through any and ll mediums cease pursuant to the Fair Debt Collections Practices Act 15 USC 1692c ( C ). I, the consumer, demanded an audit trail to provide documentary material ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) as defined by XXXX showing proof of this alleged debt pursuant to 12 USC 5562C ( 10 ) and 12 USC 1831n in order to validate this alleged debt pursuant to the Fair Debt Collections Practices Act 15 USC 1692g. As my specified remedies pursuant to the Fair Debt Collection Practices Act 15 USC 1692c ( 2 ) I, the consumer, demanded that this alleged debt be zeroed out and return all payments that have been made on this alleged debt, which was a consumer credit transaction, back to me the consumer by check pursuant to the Truth In Lending Act 15 USC 1666d ( B ) for billing errors. I, the consumer, demanded the inaccurate account information being reported to my consumer reports be updated to a XXXX balance. SYNCHRONY BANKXXXX XXXX XXXX XXXX XXXX no permissible purpose to share my nonpublic information pursuant to the Fair Credit Reporting Act 15 USC 1681b ( 2 ) ( a ) nor did I give consent to share my nonpublic information which is identity theft pursuant to the Fair Credit Reporting Act 15 USC 1681a ( q ) ( 3 ).
SYNCHRONY BANKXXXX XXXX XXXX XXXX has not ceased communication and are still sending me communication through the mails to attempt to collect a debt. This is harassment and a direct violation of my right as a consumer under the Fair Debt Collection Practices Act 15 USC 1692c ( C ). SYNCHRONY BANKXXXX XXXX XXXX XXXX has not sent me any documentary material ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) for this alleged debt. This has denied me my right as the consumer the ability to validate this alleged debt which is a direct violation of Fair Debt Collections Practices Act 15 USC 1692g. SYNCHRONY BANKXXXX XXXX XXXX XXXX has not zeroed out the balance on this account which is a billing error. This is a direct violation of the Truth In Lending Act 15 USC 1666c ( B ) and the Fair Debt Collections Practices Act 15 USC 1692h for multiple debts. SYNCHRONY BANKXXXX XXXX XXXX XXXX has not updated the inaccurate account information being reported to my consumer reports. This is a direct violation of my right to privacy under the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ).
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| 01/17/2016 |
Yes |
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Web |
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XXXX/XXXX/XXXX To whom it may concern, I am writing this complaint in reference to my CareCredit/Synchrony Financial account. I opened this account initially as a CareCredit account, I believe in XXXX.
I have a yearly {$1000.00} through my insurance for dental care, so the CareCredit was used for work above that amount. I have a {$2000.00} credit line on the card. In opening the account, it had 6 month same as cash payment terms. Which I believe as each charge that was put on the card the 6 months same as cash would apply to those terms. I have been faithfully paying the specified amount on this card since I opened it. I would use my insurance amount, and then I could only charge the amount available to the card, it never went above the {$2000.00}. Because the office would look up the available credit left on the card, then that is what was put on it additionally. The payment rose a little as each time I accrued money to the account for each time I had dental work or for use for my pets, which is fine. I understand that, but never went above the amount on the card.
However, I had noticed about 6 months or so ago that CareCredit switched to Synchrony Financial. Since the changeover to Synchrony Financial, I noticed that the card said I had a negative balance, which I do n't understand, because as I said I paid faithfully every month, and it was never charged over the amount. My payments kept getting larger, however the balance does not change with each payment, and this has been going on for about 6 months.
I contacted Synchrony Financial last week, and asked why my balance was n't going down. I was informed that the 6 month term had not been met, okay, I get that I may have messed up the 6 months same as cash term. I also found out that I am paying {$82.00} in interest on a {$2000.00} dollar card, with a payment of {$74.00}. And just checked and my payment again has been raised to {$76.00} this month. So ... .if the interest on the card is higher than the payment, there is no way I will ever pay this card off, how is that legal? Secondly, how can the interest be that high on a {$2000.00} card. This is utterly ridiculous!!!!!!!!! This card was supposed to be a meant to help someone, however, it has turned into a financial burden.
XXXX XXXX offers the same kind of terms, however, if you miss the terms, the interest does NOT exceed the payment, it is added to the payment. I also have additional credit cards, and my interest does not exceed the payment, EVER!!!
I am an honorable person, I pay my bills, however in the current state this credit card company has me in, I will never pay this off. It is as if I am just throwing my money away. Could you please assist me in finding a solution to this outrageous situation?
Regards, XXXX XXXX XXXX
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| 12/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
Older American |
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On XX/XX/2020 I applied for a credit card from Synchrony Bank in response to an in store promotion at XXXX XXXX XXXX promising a 20 % discount if I applied for and used the Synchrony card. I applied in connection with a {$4500.00} purchase, but was granted only a {$1500.00} credit line, preventing me from receiving the 20 % credit on {$3000.00} ( {$600.00} ) and also forcing me to use other funds to cover the {$3000.00} credit shortfall.
I immediately requested Synchrony reconsider its initial decision, but was declined because the Synchrony account had no history. OF COURSE IT DIDNT, IT HAD JUST BEEN OPENED. My request to reconsider was treated as request for a new increase, which ignored the fact the INITIAL decision was wrong.
I subsequently filed a complaint with the XXXX XXXX XXXX, but Synchrony maintained that its denial of a request for an increase was proper, ignoring that I was asking for a reconsideration of the initial request.
I believe the treatment as a request for an increase was improper.
I further believe the initial denial was discriminatory against seniors ( I am over XXXX ), failed to adequately consider the receipt of federal benefits ( social security ). Further, I believe their underwriting practices are biased or flawed by failing to properly consider credit history as this decision resulted in a low credit line despite a 40 year sterling credit history, FICO over 800, low credit usage ( less than 3 % of available credit ), history of paying balances in full each month, small mortgage and car loan balances, and six figure income. While the car loan and mortgage were recent ( we just retired ) our on time handling of these items, the low payment amounts relative to annual income, and our 40 year history of ontime and satisfactory payment of multiple mortgages and car loans should have addressed any concerns. Moreover the recent nature of those two items was already reflected in my FICO score, which as I noted remains over 800 ( excellent ) I asked for a larger limit as part of the original application and was denied. I asked for reconsideration and was denied. I was forced to use other funding to complete the purchase. I lost XXXX in store credit due to the lenders illegal, biased, irrational decision that the lender claims was proper and in accordance with its policies.
I believe their policies and treatment of my application are violative of the ECOA, FCRA, and XXXX, and should be investigated. Further I request the payment of my lost ph {$600.00} store credit.
I fear that other retired seniors who receive social security are being harmed by this creditors practices, that the policies must be changed, and that the lender should sanctioned for its violations and enjoined from continuing these practices.
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| 11/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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I have an XXXX XXXX credit card which was closed by the company ( XXXX XXXX ) without notice and under an unfair and predatory company policy.
On XX/XX/XXXX I made a payment that was returned because of insufficient funds. Immediately after receiving my next paycheck I then promptly made the entire payment due of {$120.00}, on XX/XX/XXXX. My account was still open at that point, but about two weeks later I received a letter in the mail informing me that my account was closed. The letter was not clear about why, it only said because of too many missed payments. I had only been late twice in my 4+ years having the card. Both times I paid the full amount due, plus fees.
I called XXXX XXXX and spoke to a representative and also to her supervisor, and they both told me that my account was automatically closed due to 2 returned payments in a 24 month period. XXXX XXXX/Synchrony didn't tell me this would happen, didn't give me a warning/notice, and did not care that I had made all my payments - they said they couldn't do anything about the closed account because it is company policy. I've never heard of such a policy. It isn't fair to close my account when I've paid every cent they've asked me to pay. Two payment problems in a two year period does not justify closing an account, and the credit report/score problems that creates.
My credit score has tanked over 80 points based on this situation alone. I now have a credit balance imbalance of {$4000.00} on my credit report that I can not change - solely because of this closed account. XXXX XXXX is penalizing me for having insufficient funds while they've never suffered a loss because of me. I've always paid 100 % of my amounts due.
To add insult to injury, Synchrony has increased my monthly bill by {$30.00}. I've been paying about {$120.00} per month, but now that my account is closed Synchrony has raised my minimum amount due to {$150.00} - even though there has been no change to my balance because I can't spend on the card anymore. I don't know if my APR % has changed, or if they've expecting me to pay off the balance faster just because they closed my account. The {$30.00} change to the minimum payment due is unexpected and unexplained.
Also, XXXX XXXX didn't help inform me even though they have a website for the card. There is a " Messages '' section of the XXXX XXXX credit card website, but I have received no messages pertaining to my closed account. I have no recollection of ever being told about this 24-month policy and the bank never warned me that my account could be closed for insufficient payments. It is now closed and I can't do anything about it. Synchrony got every monthly payment from me, yet they can still close my account and damage my credit based on an unfair policy.
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| 04/06/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
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In XX/XX/XXXX, I opened an account with Synchrony bank with the following accounts and also signed up for Credit Protection during the same time period with : 1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX I also informed Synchrony Bank that we encountered a major extenuating financial circumstance with our daughter who was hospitalized for over 34 Days including XXXX and XXXX due to her XXXX XXXX XXXX illness and XXXX due a XXXX XXXX which occurred at the end of XX/XX/XXXX and I had also lost my employment at the end of XX/XX/XXXX as well. I We attempted to keep up with all of our payments for each account listed above through XX/XX/XXXX. We could not keep up and had to continue to care for our daughter and look for employment at the same time. We incurred over {$50000.00} in medical expenses and I, in turn, notified Synchrony bank via phone and via mail with a letter in XX/XX/XXXX explaining our situation and did not receive any true support or help from Synchrony Bank and have since been harrassed by all of their Assigned Credit Collection Agency whom they sold the account to and numerous law suits which should not have occurred, due to the false and misrepresentation when I called on several occasions regarding our extenuating medical and financial circumstances. I also reached out via their online Customer Service Complaint portal regarding my concerns surrounding the Credit Protection Plan which I thought was completed and implemented as part of our Credit Card Agreements ... .I would not have signed up for 5 Credit Cards without inquiring or signing up for a Credit Protection Plan especially with unforeseen matters which may occur and did occur when our daughter was hospitalized for over 34 Days including XXXX and XXXX. We have gone through so much XXXX, XXXX and XXXX distress since the end of XX/XX/XXXX and am still trying to get back on our feet financially. Synchrony Bank was made aware of our circumstances and refused to honor a Credit Protection Plan even if it were their oversight which it was. We have been harrassed with over 200 calls per Credit Collection Agency and have had Marshalls and Sherriffs come to our home over these accounts which is very demeaning and harassing and has caused severe mental anguish for both my husband and I and this is also another extreme form of XXXX discrimination. We also informed Synchrony Bank that we were U.S. Veterans and that my husband is a XXXX XXXX XXXXXXXX Vet. Synchrony has been very heartless, pious, and uncaring to us as U.S. XXXX XXXX Citizens who has Served the Country who have unfortunately experienced unforeseen extenuating Medical & Financial circumstances. This is also another form of Financial Greed with no heart for anyone except their own pockets of profit.
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| 02/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Add-on products and services
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Web |
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XXXX XXXX I opened a Synchrony Bank Care Credit Card to assist in paying for my wife 's XXXX work in XXXX due to financial hardship in addition to the fact I was bringing in low/no income from NC Unemployment and was in the middle of a SSXXXXI case. In addition, I purchased the XXXX XXXX through Card Security ( another Synchrony Product ) for an extra approx. {$30.00} per month just in case something were to happen rendering me unable to pay the bill... such as becoming XXXX
XXXX XXXX I was deemed XXXX by the Federal Government which was retroactive back to XX/XX/XXXX and financial hardship become greater.
XXXX XXXX I had to the XXXX XXXX because it became too expensive but was told by Card Security that I may have some if not all of the balance waived due to the fact that I am disabled. I was approved for a couple months to be waived but denied the full balance to be paid because I was not holding the CC nor the XXXX XXXX at the time I was deemed XXXX ( XX/XX/XXXX )...
It went on back and forth like this for many months as a received a few more payments waived but still the same denial for the whole balance as stated above. Each time, I advocated that my claim is valid arguing that it does not make sense since I did not need the Care Credit Card or XXXX XXXX back in XXXX of XXXX, I needed it in XXXX of XXXX ; but also that because I was deemed XXXX retroactively, XX/XX/XXXX should be covered and I am entitled to utilize the full balance payoff benefit.
I called and escalated multiple times now for almost a year and climbed the ladder to the office of the president and CSR XXXX XXXX, who has since left with no further phone number or contact person and bumps me back to the XXXX # to start at the bottom. When I call, I'm able to escalate to a resolution team but refuse to give me any real Corporate Contacts info in order to get this resolved.
This is discrimination against me considering I am legitimately XXXX- their loophole is false advertising and disinformation ( illegal ) combined with their unethical lack of accessibility to anybody that can actually help. It is unjust and wrong on so many levels.
My question is that if my argument was not valid and I was/am not eligible to use the insurance, then why did they waive approximately 5-7 payments?
It is disgustingly obvious that these companies purposely try to wear us down by sending us back into the bureaucratic cycle while corporate does nothing but sit back and collect their money. I've seen it over many companies too how Corporate refuses to deal with people like myself and count on us giving up.
So never give up and keep fighting for yourself ... .the more people that do this will create a louder message for some policy changes that will travel up the chain.
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| 06/12/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX RE : SSN : XXXX To Whom It May Concern : This letter is regarding account a Collection, under my social security number : XXXX which you claim I owe {$400.00} on behalf of Synchrony Bank. This is a formal letter that your claim is disputed.
More specifically, I am referencing the fact that you are reporting the following : No account number given. What account number are you referring? How did you arrive at amount owed? Furthermore, what date was the account closed? What date did this account go into default? What is the date of last activity? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately.
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status.
Page 2 of 2 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
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| 01/21/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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On XX/XX/XXXX, I applied was subsequently approved for a Sychrony Bank Credit card. I was also informed via mail and on Amazon.com that my credit limit was {$1600.00}.
My first payment was accepted on XX/XX/XXXX. I never enrolled in online billing, from XXXX XXXX through XX/XX/XXXX. I never received a statement from Synchrony Bank.
I signed up for an online account XX/XX/XXXX. After creating my account and navigating to the make payment section, there was no payment due, however ; there was a balance. The payment section was grayed out and stated no payments could be processed at this time. I assumed it was due to my account being new. I attempted to log on to see my account balance several times after that, to no avail I did not receive any e-statements or paper statements during this time.
On XX/XX/XXXX, I logged back into my online account and it stated that I had a past due balance. I paid it immediately, and thought nothing else of it. I was not thirty days late.
On XX/XX/XXXX I received a letter from Sychrony Bank stating that they had lowered my credit limit to {$1000.00} the reason stated was based on a credit report obtained on XX/XX/XXXX.It listed Delinquent of derogatory accounts being recent. Balances on Bankcards are high compared to limits.Not enough balance paid down over time on retail accounts.No open or first mortgage accounts on my credit file.
I contacted them on two occasions. I express my concern about my statements not being available to me, online nor via mail. I also asked them why did they reduce my credit limit based on a fraudulent credit report. I have had my credit file frozen for over one year. All my credit accounts are current and paid on time, including my mortgage.
My credit score was over 680. I was transferred to three different departments before I was finally transferred to an Underwriting Manager, I informed him of what happened and how the very same reasons listed on the fraudulent credit report they created and was the culprit. By lowering my credit limit they created ratio to debt in balance. The Manager assured me this would be addressed and the limit would be corrected to the original amount of {$1600.00}. He also told me to lift the freeze on my credit report so that they could pull my personal credit file.Today XX/XX/XXXX I received another letter from Synchrony Bank with yet another letter with another fraudelent credit report, the new one is saying that my account is currently past due.It also states that the current ratio to credit limit is too high on this account.
I am being treated unfairly based on my rights under the FCRA. This company has systematically ruined my credit with false reports and has denied me the credit I have earned and deserve. I want my account restored.
|
| 10/23/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
In XXXX, someone fraudulently used my identification to open an account at XXXX XXXXSYNCH which is serviced by XXXX XXXX. I did n't know this had been done until I received a letter from XXXX XXXX stating this account was 60 days past due and was getting ready to go to collections. I contacted XXXX to tell them this was not my account. The manager I spoke with at this time took my statement and told me it would be handled by the Fraud Dept. He also said that it would be in my best interest to pay the minimum due each month, {$84.00}. because if the investigation was not resolved in my favor I would not have to pay monies due back all at once. I set up for {$84.00} to be automatically deducted from my checking account starting in XXXX to pay in account XXXX.
I received a letter in XXXX XXXX, stating that the investigation was completed and the claim had been resolved in my favor.
In XXXX XXXX, I called XXXX XXXX to see what I needed to do to be reimbursed the monies I payed on this account. I was told I had to send them all documents showing where I payed on this account. I was told I could mail and/or fax the documents to them. They gave me their address ( ATTN : Payments-XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX ) and fax number ( XXXX ). I was told it would take 30-40 days from the date they received the documents before I would receive my refund. In XXXX XXXX, I mailed and faxed every bank statement and billing statement that showed where I had payed on this account.
At the end of the 40 days, XXXX XXXX, I had n't heard from XXXX XXXX so I started calling. From XXXX to XXXX XXXX I have been calling and continuously got transferred from customer service to the fraud dept to investigation dept and resolution dept.
In XXXX XXXX, I called XXXX XXXX again to check on the status of my reimbursement. I spoke to another manager. She told me I should wait another 15 days to hear something from them. If I do n't receive anything then maybe I should mail or fax the documents again. I told her I was not going to fax or mail anything again because I would have to wait another 30-40 days from the receipt of the newly send document for a responses. Plus I told her it cost me {$60.00} to fax the documents the first time. I asked her if she, the manager in the Fraud Dept, could reach out to the dept where the reimbursement is supposed to come from to check the status. She told me she could n't that dept could only be reached by mail. I 'm at my wits end at this point. Each and every time I have called XXXX I 'm transferred from one dept to another and back to the first one I called again having to begin at the beginning explaining everything all over again to each person I 'm transferred to.This has been going on from XXXX to XXXX XXXX.
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| 07/05/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CT on XX/XX/2016 to have a XXXX fixed were the XXXX XXXX off the XXXX XXXX XXXX # XXXX this is shown in second picture of the documents I have uploaded regarding this complaint. The XXXX had XXXX XXXX XXXX XXXX as you can see the dark XXXX mark in the XXXX with the XXXX XXXX XXXX XXXX at the bottom shows he XXXX XXXX XXXX XXXX. When I went to the XXXX he said he could place the XXXX back on the XXXX. I suffered allot of horror in this XXXX office. The XXXX XXXX XXXX XXXX XXXX that was working at XXXX XXXX at the time seems to no longer work at this location at all. He seemed to have moved I believe to XXXX XXXX XXXX in XXXX CT. Tel # XXXX. This doctor stated he could fix my XXXX when attempting his practice with on me I found many strange un sanitary acts used upon my XXXX. I suffered great pains in this XXXX presents. My credit card company had taken payment away from him and failed to allow him to be paid I won the dispute against this doctor. Although I have won the dispute I managed to hire on a no fee unless I win with attorney XXXX XXXX XXXX in XXXX XXXX CT. This attorney seemed to pass on from a XXXX XXXX and my case was transferred to this Attorney XXXX XXXX in XXXX CT where you can see he gave me a letter of protection and then said later he could not obtain an expert witness to testify in court, so I could not bring a case against this XXXX XXXX XXXX at all. This was not making any sense to me at all. I was then given the opportunity to try to get my funds paid through the Connecticut XXXX Association. When I went to them for help I found that all these XXXX are sticking together, and I do not stand a chance at all on this damage caused to my XXXX from this XXXX resulting in over {$25000.00} in damages to my XXXX from him. You can see in the first XXXX picture that I enclosed that I had to pay to have the XXXX # XXXX XXXX the same day that he tried to place his XXXX XXXX XXXX XXXX into my # XXXX XXXX that was XXXX XXXX. As soon as the XXXX wore off the XXXX was hurting, and it was XXXX. I used care credit to fix the XXXX and I was given a letter of protection thinking I am getting this money back from the representing attorney XXXX XXXX from XXXX CT Tel # XXXX. This is really misrepresentation and I will most likely be filing a grievance against this attorney for what he did. If you can please keep this collection away from me with XXXX XXXX that has been turned over to This Attorney XXXX XXXX XXXX XXXX that is asking me for {$7500.00} to be paid to his office. There is letter of protection the attorney never did any proper job at all for me that was representing me. If you have any further questions please contact me at XXXX.
Sincerely Yours XXXX XXXX XXXX XXXX
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| 05/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Older American |
|
Following the recommendation of the FDIC, I am requesting your help executing a lien release for a vehicle I paid off 16 years ago.
Unfortunately, my attempts to resolve the matter directly with the lien holder, Synchrony Bank, by both phone and mail were unsuccessful. As a result, I followed up with the FDIC, who indicated they could not assist because Synchrony Bank, which acquired the original lender GE Capital/Consumer Finance , is an open institution.
I am hoping if I provide you with the chronology of events and relevant paperwork, you can assist.
* XXXX : Purchased XXXX XXXX XXXX XXXX XXXX ; financed through GE Capital/Consumer Finance XXXX XXXX : Fell behind on payments after losing job and going through nasty divorce * XXXX : Debt went into collections with XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Negotiated debt of {$1800.00} was paid by check to GE Capital out of Trust set up by attorney XXXX XXXX to settle joint debts as part of divorce proceedings ; the check cleared on XX/XX/XXXX ; note the check was mistakenly made out to a XXXX more ( {$1800.00} ) * XX/XX/XXXX : Gifted scooter to a neighbor who plans to convert it to electric * XX/XX/XXXX : Requested duplicate Title from OR DMV * XX/XX/XXXX : Was informed by OR DMV that Synchrony Bank is lien holdeXXXX XX/XX/XXXX XXXX Called Synchrony Bank at XXXX to try to resolve the problem. I was told that because the debt was so old, I needed to write a letter to XXXX XXXX XXXX XXXX XXXX XXXX
* XX/XX/XXXX : Sent letter to Synchrony Bank XXXX XXXX XXXX As of XX/XX/XXXX, I did NOT receive a response.
* XX/XX/XXXX : After determining GE Capital/Consumer Finance was a failed bank, I sent a request for lien removal to FDIC via online form.
* XX/XX/XXXX : FDIC informed me via email that the lien could not be removed b/c acquiring bank Synchrony Bank was still in operation. They recommended I follow up with the Consumer Financial Protection Bureau * XX/XX/XXXX : Sent email to info@consumerfinance.gov requesting assistance I realize that the documentation does not explicitly tie the debt to the scooter, but I am certain that I financed it through GE Capital. In addition, as part of my divorce proceedings in XXXX, ALL of the outstanding marital debts, outside of property mortgages, were paid off through a Trust set up by my ex-wifes attorney XXXX XXXX , funded from the sale of a jointly owned rental property. So, this debt would have been part of this sweep.
Anything you can do to assist in this matter would be greatly appreciated. The 19-year-old scooter has little resale value, but my neighbor is a mechanical wizard and plans to convert it to an electric engine. Hed like to have the Title in his name and keep current with registration and insurance.
THANK YOU.
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| 12/04/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
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On XX/XX/2020 I went to XXXX XXXXXX/XX/XXXX, I wanted to buy a bed, bed they sale are very reliable, excellent, last long time and also very expensive. I was very excited about buying a bed from them. One of sales representatives of XXXX XXXX describe and ask me if I wanted to try the bed, so I did. Everything was going great, then he asked me " which bed I liked the most? '' I said I really liked the XXXX and asked for a quote, total came out to be around $ 4k, for the mattress, frame, and all the bells and whistles. When I was analyzing the quote, the sales rep approached to me and told about a great offer that they have, he verbally said " Right now you can finance your bed at 0 % for " x '' amount of time, first payment is going to be until next month and obviously I have to run your credit and take your info to put it in the system to make sure if they approve you ''. Sales rep was doing everything so fast plugging in my information, which I approve to use, finally he finished submitting the application and it did not take even a minute when he said, " hey you got a approved for x amount you can finance the bed at 0 % interest for x amount of time ''. He asked me to sign next to the X in the pin pad, ( nothing was showing in the pin pad but an X and a line to print my signature ) so I signed. Sales rep did not gave me disclosures, he gave me the receipt and done deal. Now as of today that I want to use my XXXX XXXX credit card to buy somewhere else, outcome is that I can not use it but only at a XX/XX/XXXX, comes out to be that this credit card is specifically to use atXX/XX/XXXX If the sales rep would have explain that I could only use theXX/XX/XXXXcredit card in XXXX XXXX XXXX, I would have never apply for this card. now I have to be stuck with a credit card that is useless because of the fact that it is an in store credit card, my credit took a hit, and have to live with a credit card because of a sales rep need to sell a bed " forgetting '' to print and show the disclosures to me. If a credit report is pulled from myself you will notice that I dont have in store credit cards, but this one, and that is because to me in store credit cards are not good, they only allow you to buy at that specific store. in that cases what I would have donde is just use one of my other credit card to buy the bed and finance it with my current credit issuer if the disclosures were properly explained to me. Consumer Credit Protection Act, protects me as a consumer from things like this. This credit card is in partnership with Synchrony Bank, I strongly believe that if companies are going to do partnership they have to ensure and trained everyone who is offering their products, because at the end of the road this people represent their company.
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| 07/21/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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On XX/XX/2020 I made a charge on my CARECREDIT REWARDS MASTERCARD from XXXX XXXX for veterinary services for the amount of XXXX dlls. Due to COVID-19 we had to do this transaction in a new manner which we had never used before and we were under stress since we were worried about our Pet so we just selected one of the options available without reading the details carefully. This turned out to be a Fixed Payment with reduced APR plan when we always used to select a Deferred No Interest plan. After everything was OK with our Pet and we looked at our account online, we noticed that the charge was done in a way that was unfamiliar to us and we called the credit card company to have the charge changed to a deferred plan. They told us they could not do that but the service provider could make a request for the transaction to get changed. We contacted our vet XXXX XXXX XXXX XXXX XXXX XXXX whom agreed to proceed with the change. After one billing cycle and being {$40.00} in interest, we called the credit card company and they confirmed they saw the request being put on by the clinic and it would be reflected in the next statement. One month later and {$61.00} dlls more on interest, we contacted the credit card company again and they told us that the change would take 1 to 2 billing cycles, not only 1 as described earlier. We asked if once this happened the interest charged would be returned and they said that it would be so. I called again today XX/XX/2020 after another billing cycle and {$61.00} dlls more charged on interest and was told that the change had been declined by the company 's provider services team. When I asked for the date of the denial they told me it was that same day XX/XX/2020. I find it very strange that they would deny it the exact same day that I'm calling them fo r an update. This whole process seems to be full of irregularities and it seems to me that they are doing anything in their to make sure that you pay for interest while the process is taking place and then they deny you after a couple of months. They also give you different responses every time you call about the length of time that this would take to get resolved and they do not let you speak directly with the team involved in the denial of the request. They told me I would have to call my service provider ( the veterinary clinic ) to find out why this was declined and I could not talk to the Provider Services team. The customer service representative said that they had no access to the information regarding the denial and made it sound as if it came from another company when we are talking about the same company and it would make sense that customer service should be able to access that information to be able to provide the clients with more details.
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| 11/13/2015 |
Yes |
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- Credit line increase/decrease
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Web |
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Since XXXX I have been an account holder of a JC Penney credit card and since XXXX a Care Credit account. I have never been in default or delinquent since being a card holder. Even in a time of unemployment XXXX I made the minimum payment. I became employed in XXXX of XXXX, and still paid on time and used my credit card wisely. Although it has been a struggle living pay check to pay check I am a responsible card holder. JC Penney I had a XXXX credit card limit But in all the years as a card holder my balance remain manageable around XXXX. Care Credit was used in putting my ill dog to sleep and saving my cat 's life with emergency surgery. I have also used it to purchase my contact lenses. ( I have paid down a the XXXX balance I owe at the time of those XXXX emergencies involving my dog and cat ). During the period of unemployment I incurred unsecured debt for survival as many Americans like myself. I took steps to save my home and now to settled on some credit cards to start over. I enrolled in a Credit Card Settlement program XXXX out of XXXX XXXX California. ( I have already settled on XXXX credit card account ) OF course this action to settle XXXX of credit card debt affects the Credit Score. So my score dipped from XXXX to XXXX. On XXXX XXXX, and XXXX XXXX I received XXXX separate letters from SYNCHRONY BANK XXXX referring to my JCP account and the other Care Credit that due to my credit score and delinquencies they were lowering my credit limit on the credit cards. JCP up to {$100.00} to my balance and Care Credit in half. I feel these actions reflect a false impact on my credit score. Giving the appearance that I am in default or UP TO MY CREDIT LIMIT on both cards which I am NOT. The letter states " they are basing their decision on my entire credit history not solely your history with SYNCHRONY BANK ''. These actions I feel are unjustified and Have nothing to do with my other credit card account in the debt settlement. Further I feel that SYCHRONY BANK by these actions is putting my health at risk and my pets health at risk by constraining my use of my Care Credit account. Since, I am a XXXX enrollee I rely on this card for EYE CARE, DENTAL CARE AND PET CARE. JCP, after 36 years I can no longer shop at this department store after SYNCHRONY BANKS damaged my relationship by giving the appearance I am UP TO MY CREDIT LIMIT!!. I HAVE Done nothing wrong. SYNCHRONY BANKS action is totally unethical. PLAYING with people 's lives and their livelihood. I am not in default and Have AS A Consumer I feel that SYNCHRONY BANK is not serving in the best interest of customers. It sole purpose is deceive and gain monetarily off the backs of hard working customers. I expect restitution and restoration of my credit limit on both accounts.
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| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 05/15/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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In XX/XX/XXXX, I opened a Lowe 's credit card through synchrony bank with a 0 % APR offer for 24 months for a vinyl flooring installation. I was told that I would have 0 % APR on purchases for 24 months, and that the interest rate would not then increase if I paid off the balance of {$3400.00} in 24 months which led me to accept the service contract.
I made the arrangement to pay off the balance in full by the said 24 months by configuring an automated pay of {$150.00} starting from XX/XX/XXXX to ensure I adhere to the terms and conditions and utilize the 0 %. However, I noticed in XX/XX/XXXX that I was being charged the standard interest on that purchase instead of honoring the 0 % XXXX that I was offered.
I immediately called customer service to inquire about this, and I was told that it was some form of error and I should have been charged the 0 % APR as per the contract. The customer agent assured me that she would make the adjustment and I should not see any additional interest charges in the future and the interest rate refund would be applied to the principal balance in 1-2 billing cycles.
Based on the guidance I received from the customer agent, I waited for 1-2 billing cycles and followed up diligently with customer service but couldnt lead to a resolution as my principal balance was not adjusted with refund of interest charges charged from XX/XX/XXXX through XX/XX/XXXX.
After multiple calls and spending a lot of time with customer service, in XX/XX/XXXX one of the customer service agents was able to help me and assured she was able to make adjustments on my interest rate refund request and was able to refund {$1100.00} that was charged from XX/XX/XXXX through XX/XX/XXXX. I should be seeing an amount of {$1100.00} reduced from my principal balance and should see that reflected in the next XXXX hours. The reference number given to me was # XXXX.
To my disbelief, when I reviewed the account in 2 days, I could only see an adjustment of refund made for only 9 months ( XX/XX/XXXX through XX/XX/XXXX ) for an amount of $ XXXXinstead of the whole interest charges from XX/XX/XXXX through XX/XX/XXXX. I am still entitled for the refund of the remaining interest amount charged from XX/XX/XXXX through XX/XX/XXXX.
I have made follow up call on XX/XX/XXXX with employee # XXXX and had requested to escalate this matter to the accounting department as I couldnt get a resolution from the customer service for the refund of the remaining interest charges and as I was told that the team couldnt go back beyond XX/XX/XXXX for refund issuance due to system limitations.
I got a letter dated XX/XX/XXXX from the synchrony credit bureau specialist that they will not be able to remove any additional interest charges from the account.
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| 10/19/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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I had a Mattress Firm account which somebody was able to gain that information purchase furniture and have a delivered to their address which is not mine. I had an open mattress firm account of which I purchased one bed and then within a couple months I had over {$5000.00} worth of charges on my account that were not made by me or sent to my property address where I reside.. I have tried for several months to get this resolved and the company refuses to remove the charges from my account. This person was able to change my phone number, my home address, and my email, somehow someway breaking through their safeguards. I have not lived anywhere but the current address that I reside at right now since 2016. I have tried multiple times to explain to synchrony bank what happened but they are unwilling to listen and say that they have proof that that furniture was delivered to that property address. I have tried to explain to them that that is not my property that is not my residence and that was not me ordering that furniture they are unwilling to listen and continue to charge me the over {$5000.00} in charges for the furniture that they delivered and their error. I think this is unfair and I have been trying to dispute this ever since I found out and I will not pay for the money because I did not make the charges. I do not even have an invoice for this furniture because I did not purchase it I do not even have a breakdown of what it is to dispute it. I have asked on several occasions to get a breakdown invoice of what is in question so I can file a police report and they are unwilling to send it to me or tell me the address where the furniture was sent to. The only reason I know where the address is that the furniture was sent to is because its now showing up on my credit report as my address and Ive had to dispute this as well because that is not my address. Please help me to resolve this and hold synchrony responsible for their mistake and allowing this person to make these fraudulent charges on my credit card. These businesses need to verify that these accounts are being billed properly and that people that on them are the ones making the charges.
I am also having this problem with my other synchrony account for discount tire the exact same issue of somebody being able to compromise my account and gain access. Luckily I caught it before they could make any charges and close that account as well so this does not happen again. It seems like they do not do a very good job of safeguarding peoples private information so people that do fraud for a living can not gain access.. I have wasted countless hours on the telephone trying to resolve this and taking up much of my time dealing with customer service.. im still getting nowhere..
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| 08/10/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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What happened?
I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX that left me in financial ruin, and now I have XXXX XXXX XXXX trying to further ruin me with there aggressive collection tactics and complete disregard for the physical, emotional, and psychological toll I am enduring. The nature of my complaint involved a very aggressive debt collector named " XXXX XXXX XXXX '' whom bought two accounts, for the purpose of this compliant it will be specifically about my SYNCHRONY account. However a second complaint will be filed with regards to my other account with them. In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt XXXX XXXX bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the California Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a XXXX out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX profile so you can see. I have implored XXXX to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.
|
| 01/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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I currently have a Synchrony Care Credit Mastercard. I utilize this a lot to pay for my dogs veterinarian bills and since my charges are pretty high, I take advantage of the 6 months no interest promotions. I am having an issue with how my payments are being allocated to my balance. I have a mix of charges at the XXXX interest rate, as well as the standard rate. When I received my statement for XXXX, I noticed that XXXX large payments I made, XXXX for {$700.00} and XXXX for {$1500.00} did not get applied to promotional balances that expire on XX/XX/23. I reviewed my statement for how payments are applied, and there was no mention of that specifically, but it did say I could call to have my payment allocation changed. So, on XX/XX/23 I call and the representative was very nice and said he would take care of adjusting the allocation and that it may take up to 72 hours. No mention that they actually would not be able to help me with that. On XX/XX/23, I received a letter from Synchrony stating that due to federal regulation they can not adjust my allocation unless it is in the last two billing cycles before expiration ( my payments would have been the third one prior to expiration ). Having worked in compliance and audit for financial institutions, I thought that this did not sound quite right to me. I pulled up 12 CFR Part 1026.53, Allocation of Payments, to see exactly what the regulation says. While it does mention the two billing cycle exception, it is also acceptable to change the allocation at consumer request. I understand the regulation does not require the issuer to honor this exception, but in not honoring it, there is a high probability that I will be paying more interest in the end since my payments will never be applied to my promotional balances ( depending on my purchases under the standard rate ) and I will end up paying the accrued interest. This just screams UDAAP violation to me.
I understand the intention of this regulation is for the higher interest balances to be paid off first, which I support, but in the situation of the XXXX interest promotions, I should get to choose how I want my payments applied. In fact, I assumed this was standard, as I am able to go online to my XXXX XXXX Credit Card and specify which promotional balance I would like the excess of my minimum payment to go to.
My other issue is, in reading the payment disclosures on my statement and in my cardholder agreement, no where ( that I can find ) does it state how payments are applied to promotional balances. Even the phone rep I talked to did not explain the policy to me. Had I known about the exception for the XXXX billing cycles prior, I would have saved my XXXX larger payments in XXXX for XXXX when the exception would be in effect.
|
| 06/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
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I have several credit cards, one of them is a XXXX XXXX XXXX which sent me two promotional checks that if used they would not charge me interest for one year. So this was a good idea to pay off other credit card balances that were charging me high interest.
The promotion was good until XX/XX/XXXX. So before I used them I made sure the credit cards that I was going to pay off were both up to date on payments because I wasn't sure when the checks would hit the account since I had to mail them out. So I used one check to pay off a credit card balance of a XXXX credit card on XX/XX/XXXX in the amount of {$3300.00} I also used another check to on XX/XX/XXXX to pay off a balance of {$1800.00} on a Synchrony bank credit card. I kept checking all three card accounts to make sure the checks cleared. Well the XXXX card was paid off and the new balance showed up on my XXXX XXXX account so that was good. But on my Synchrony card account it showed that the account was paid off but it never showed up on my XXXX XXXX account which said to me something is wrong. So on XX/XX/XXXX I called my XXXX XXXX account to see what was wrong and they told me they denied the check because I didn't have enough credit to cover the check. So I called the Synchrony card account and told them that that check isn't going to clear but they said to call my bank because they re-deposited it. So I left it to see if it would clear because I didn't owe them another payment until XX/XX/XXXX. I called the Synchrony card again on XX/XX/XXXX to see what was going on and they said everything is good and I didn't owe them anything at this time. So I left it alone.
I called them two more times once on XX/XX/XXXX and again on XX/XX/XXXX. When I called on XX/XX/XXXX. They told me the account was closed to purchases because of " the number of dishonored payments ''. Subsequently worse than that they closed all my Synchrony Bank related credit card accounts for " dishonored payments '' from other accounts.
Up until this incident every card was up to date with payments and there were no problems. I called them two more times since then but they told me there is nothing they could do and accounts are all closed. I really could care less if I never use a card from Synchrony bank again because I have other credit cards but this will do damage to my credit rating which is most important to me. I worked hard in the last 6 years to get my credit rating back and because of one incident they close accounts and have my credit rating damaged. NOT ONE OF THESE CARDS WERE MISSED A PAYMENT EVER! They could keep their cards all I want is my credit rating to be kept in good standing. Be careful of Synchrony Bank because they have many cards with different names that still belong to them.
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| 03/17/2017 |
Yes |
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Web |
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I went to the dentist in pain after a XXXX, he said I needed a XXXX. For the first time in my time seeing him, he wanted payment for procedure up front instead of sending it to my insurance as usual and as my insurance says is supposed to happen with in-network providers. I could not afford the procedure in cash, and would have usually walked away to get a second opinion. However, then my dentist 's assistant said there was a deferred payment credit card option that is just " great. '' While I was still in pain in the dental chair in the back of the office they presented me with a CareCredit application. I felt pressured into signing up for a credit card that I think is probably a pretty bad credit card. I was in pain and it was a high-pressure situation taking place in the dental procedure chair. I, regrettably, signed the credit card papers for a charge over {$1000.00}. This charge posted to my new account the same day. Once I finally had a chance to read the terms of the credit card, I decided this was not something I should have signed up for, and it was revealed my pain would require more expensive procedures. I wished I had gotten a second opinion and not been pressured into a new credit card. I contacted my dentist to find out what the real cost of the procedure would be and to ask them to put my XXXX on hold at the lab. They said they did n't know what insurance would pay, they did n't have the ability to refund any portion of the balance, and that they would put the crown on hold at lab while I figured out where I would get other procedure done to finally relieve my pain. I was so relieved they could put the XXXX on hold at the lab, but it turned out they either could n't or did n't keep their word and no one notified me. Since they could not help me with a refund I began my dispute with CareCredit, asking for a full reversal of the charge - the contract states this is my right because a charge greater than {$1000.00} was posted within 3 days of signing up at my dentist 's office. Now, a month after disputing the charge, I received notification that CareCredit has closed the dispute in favor of my dentist who issued a partial refund. I asked CareCredit to follow their contract and reverse the full transaction. They have told me they " just finance '' and that I have to request this refund from my dentist. My dentist has already said he can not ( or will not ), but the CareCredit contract states " Right to Refund. CareCredit provides you with the right to a refund to your CareCredit account for any dental or audiology transaction amount greater than {$1000.00} if the transaction occurred within three days of the date your provider submitted the application. '' I do not want this card, and I feel I have been conned.
|
| 03/11/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
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On XX/XX/XXXX. 2021, my wife and I went to my local Lowes at XXXX XXXX XXXX XXXX, GA XXXX to purchase a XXXXXXXX XXXX. I applied for the Synchrony Bank/Lowes credit card in order to save 20 % or up to {$100.00} off of my purchase at the Lowes Customer Service Counter. I provided my GA state issued drivers license ; I also provided my social security number and annual income.
I was then told that my application was on HOLD, so they had to call Synchrony to provide additional information. The additional information was provided over the phone along with the credit amount requested ( {$3000.00} ) ; however, the Synchrony Bank representative on the phone stated that they could not verify me, and that she would need to send me a link for further verification. This verification included my facial picture without hat or my eyeglasses on, and a picture of the back and front of my drivers license which I provided. They still could not VERIFY me.
I contacted 2 managers at Synchrony Bank/Lowes who could not provide me with any answers, or any recourse to rectify this situation ; however, the Lowes representative verified my GA issued drivers license, and I also provided a facial picture, and picture of my license on a link provided by Synchrony Bank via my mobile phone. I do not know what else I could have done to prove that I am me.
The Lowes Representative behind the counter stated that in her 7 years of employment at Lowes that she had never seen anyone go through such a verification This was the most humiliating, and demeaning experience I ever experienced applying for credit ; by providing my picture, I believe that Synchrony actions were racially motivated, and being an XXXX XXXXXXXX XXXX was the determining factor needed to deny me a Synchrony/Lowes credit card.
I also believe that providing my picture exposed me to undue discriminating factors that were utilized by when determining my credit worthiness ; In addition, Synchrony/Lowes policies failed provide me any remedy after these adverse circumstances occurred. They provided me letter, which I received in the mail, on XX/XX/XXXX stating we are unable to confirm your identify with enough confidence to approve your application at this time Synchrony Bank sent the letter to the address that I provided on the application.
All of my credit scores are exceptional with scores ranging from XXXX XXXX ; my income exceeds {$100.00}, XXXX +, and my debt to income ratio is less than 22 %. There is no reason for me or anyone else to be subjected to such discriminatory practices when applying for credit. I am shocked and appalled that new practices, and tactics are being XXXX by Synchrony Bank/Lowes that make it almost impossible for an XXXX XXXX XXXX to prove that he even exists.
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| 12/15/2016 |
Yes |
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Web |
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In XXXX 2016 I went online and ordered a " Free Trial '' offer from XXXX and was only to pay Shipping and Handling. I should have known better and looked for very small print that might obligate me to receive future product, there was n't any. After reading numerous similar complaints online even under XXXX Consumer Complaints, they all say the same thing. I was temporarily in XXXX, I returned to my home in XXXX XXXX XXXX, 2016.
When I received my Statement from Synchrony Bank in XXXX, I noted the charges of - {$86.00} and {$89.00}. I immediately called Synchrony Bank and disputed the charges. I never received product nor did I receive any any communication from XXXX in regards to these charges, that it was being delivered or anything. When I received XXXX 's statement on XXXX XXXX, 2016 I noted the charges of {$94.00} and {$92.00} and called Synchrony Bank to dispute the charges. The CSR told me I had also been charged {$94.00} and {$92.00} on XXXX XXXX, 2016. My account had been charged a total of {$550.00} for product I never received nor had received communication in regards to.
XXXX name put in disputes for all of the charges and told me it may take XXXX to XXXX billing cycles. I called XXXX on XXXX XXXX, 2016 at XXXX XXXX and spoke with XXXX. XXXX cancelled the account they had set up for me without my approval and told me to have Synchrony Bank call them and do a XXXX way conversation so they could credit my account and I would n't have to wait for the dispute. I called Synchrony Bank and spoke with XXXX. XXXX told me they did n't do XXXX way calls. I wondered after seeing all of the complaints against XXXX for the same reason if maybe XXXX did n't know this. I called XXXX back, spoke with XXXX and told him the bank was unable to do a XXXX way call.
Yesterday I decided to call Synchrony Bank because all I had ever received from them is a generic letter which says nothing except the security code is there for the Consumer 's Protection which is ridiculous because you ca n't purchase anything online without the security code and once a company gets it they can charge you numerous times withoutout your authorization. I found out from Synchrony Bank on the telephone that the dispute had been resolved in the Merchant 's favor I believe XXXX XXXX. All I could do was to file another dispute. I never received communication of this resolution I called XXXX XXXX XXXX XXXX XXXX ( number given to me by Synchrony Bank ) and spoke with XXXX. I asked to speak to a Supervisor. XXXX stated they could n't do anything for me and hung up the telephone.
All of the complaints I reviewed online state the exact same complaint. XXXX lady called the Police. I want this funds refunded or credited to my card but XXXX should be prosecuted.
|
| 02/04/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Summary : - The bank rejected the dispute on the products that I did not receive.
- I gave the merchant the delivery instruction to place the package at the back door, but the merchant did not provide XXXX with this delivery instruction. Package was placed on the front door and thus the package was lost.
- Amazon decided to refund to me, and sent money to the Synchrony bank that issues the Amazon store card. However, the bank refused to refund me, and the charge is remaining.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Details : I used Amazon store card to order a laptop in Amazon, from the third party merchant on XX/XX/XXXX. The laptop costed XXXX, and named " XXXX XXXX XXXX '' HD+ Touchscreen Laptop Computer_ XXXX XXXX XXXX XXXX XXXX XXXX up to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. My package was supposed to arrive at the back door of my address on XX/XX/XXXX, but I could not find the package. I received the proof of the delivery from XXXX : however, the delivery instruction was not included in this proof, and the package was " Left At : Front Door ''. The front door is facing on the big street and not safe.
For the package loss is suspected, I have searched around my house and asked my neighbors, but I could not have located the package. I have contacted with the merchant for the 1st time on XX/XX/XXXX, and they suggested to contact XXXX as their response on XX/XX/XXXX. I called XXXX on XX/XX/XXXX, and XXXX asked me to provide the serial number for the product, so I asked the seller for the serial number on XX/XX/XXXX. After 1 week of XXXX inspection, XXXX customer support told me on the phone that they could not locate the package on XXXX. So I asked for the refund from the seller on XXXX, and got the response basically saying please contact XXXX first. on XXXX. I have contacted the Amazon Customer Support on XX/XX/XXXX and they promised that they will ask the seller to either refund or resend the product. Then I received the repetitive message again saying please contact XXXX first again on XX/XX/XXXX.
I made a dispute to refund through the Amazon store card issued by Synchrony Bank on XX/XX/XXXX. Given this dispute, Amazon issued a refund and send money to the bank on XX/XX/XXXX. However, the bank did not refund me, and rejected my dispute claim on XX/XX/XXXX.
I called Amazon customer support on XX/XX/XXXX, and they sent me the evidence that Amazon sent money to the issuing bank. I called Synchrony bank customer support on XXXX, saying they will reopen the dispute case. Then this new dispute was rejected again on XX/XX/XXXX. I did not receive the refund yet.
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| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Im writing to Dispute a Billing Error in the full statement balance of {$4100.00}. Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter.
Sincerely, XXXX
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| 08/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Im writing to Dispute a Billing Error in the full statement balance of {$3900.00}. Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter.
Sincerely, XXXX
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| 06/14/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX, I noticed the IRS deposited funds into my account that belonged to someone else. I alerted Synchrony bank and they put a restriction on my account. When I talked to my tax preparer about the issue, she realized that it was one of her clients ' tax refund. I don't know how this money got into my account It was a transaction for {$540.00} tax refund and {$2800.00} stimulus money. The lady, that the money belongs to, requested that I send the money to her instead of letting it go back to the IRS. When I requested the banker to send the money from my account, that is when he initiated a restriction because he thought that someone else had access to my account. We even went through verification including security questions and text verification. Now since Synchrony Bank restricted the account, the tax preparer wrote two checks to her client with the reimbursement of those amounts. I called the bank numerous times about this issue and they won't tell me nothing. They told me on XX/XX/XXXX, that it will take 30 to 60 days to investigate. I've been calling repeatedly over the last 3 months now. It's going on 90 days since this has happen. I've lost my apartment, my car, and behind on bills because this is my savings account that they restricted. I am on unemployment since last year because of the pandemic. My unemployment money and stimulus money is in that account. They sent back my tax refund to the IRS. I've lost everything due to this error and they are refusing to do their job. I told them plenty of times to just send the money back to the IRS. The supervisors that I've spoken with, never contacted me back about this issue after they stated that they will call back. I've sent them proof of the checks that the tax preparer wrote this client. I don't know who fault it is but all I know is that I have no access to my money in my account. I have many questions.
Why did Synchrony bank accepted fund from the IRS that clearly didn't suppose to go into my account? I can see where every transaction comes from. That's how I knew that it wasn't mine. That's negligence on their behalf, not mine.
Why haven't the money been sent back to the IRS? It's XX/XX/2021. I notified them on XX/XX/2021. This money is still sitting in my account. It doesn't take 90 days for them to investigate. They just don't know what to do about it and keeping my account on locked.
How is it that they deposited someone else money into my account but my own money can't go into that account. This is my account. I am the only name listed on it so why did this happened?
I'm annoyed and disappointed with Synchrony. I want this issue resolve immediately. I am tired of calling and chatting about the same issue. They had more than enough time.
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| 07/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On late afternoon XX/XX/XXXX I checked my XXXX XXXX and saw that my credit dropped with Credit Bureau XXXX down 6 points? My credit is excellent and stays even and climbs on occasion. Investigating, I found the explanation, " Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by SYNCB/PPC was added to your credit report. '' Finding out the inquiry was PayPal Credit , Synchrony Bank, I realized I was subject more likely to identity theft/fraud then a mistake. The reason is I have had no dealings ever with PayPal, and have no idea why PayPal might have pulled my credit report. This happens to many people I see on Identity Theft forums with hard pull from SYNCB/PPC on XXXX. On XX/XX/XXXX, I spoke with XXXX and said the hard pull was on XX/XX/XXXX. They told me to contact with SYNCB/PPC immediately and explain someone applied for a PayPal Credit Card under your identity and if it got approved it needs to be cancelled immediately. She then said I can Freeze your XXXX account. I agreed and went through the process with her. The way she handled everything was as if it has happened many times when I mentioned the name. I called PayPal Credit and I spoke to a gentleman from the NC office of Synchrony Bank. He was helpful. I told him that someone applied for a PayPal Credit Card and if it did get approved it has to be cancelled. When he asked for my SS # I refused. I didn't even give him my last four of the SS #. He did get my address. He said this will take some time to pull it up with minimum info. After some time on hold, he came back and said this was the case. It was approved and we cancelled the account right now. I'm happy I was able to resolve this quickly, before a person with no conscious can start charging up on me? He gave me a confirmation key code and explained I will be receiving a confirmation letter in the mail 7-10 days. I need this written document in my hands to feel reassured. Again, the way the gentleman was handling the situation seemed as if he does this all of the time. No complaint!
I was a SS # that was suspected as stolen in the XXXX XXXX breech. Always when a breech happens usually the stolen SS # 's stay low and come out a couple of years later. Ever since then I have been looking at XXXX XXXX every 2 weeks. I'm very cynical and suspect of how information is being handled in our technological dark age. You work hard, live right and contribute to society to make it better and yet, large corporations who have all your personal information and livelihood XXXX up and you are the one who has to get out of the financial disaster they created. And the sad thing, you can't even opt out. I mean no freeze! Opt out completely for hard inquiries ... the three credit bureaus not having that information!
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| 12/22/2015 |
Yes |
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Web |
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Synchrony Bank offers a BP XXXX XXXX credit card with rewards in the form of " fuel rewards '' ( {$0.00} credit on a tank of gas per {$100.00} charged for 90 days ). Since the credits are good for up to XXXX gallons of gas, each {$0.00} reward is worth {$5.00}. I received proper credit for the first two months, but greatly reduced credit in the third month.
According to the bank 's written communication, I charged {$430000.00} in the third billing cycle before the 90-day period was up ( XXXX XXXX ). This, they claimed, generated {$10.00} in fuel credits. This is a factual error. I have in fact spent a net of {$7200.00} this billing cycle up to XXXX, XXXX ( after subtracting returns credited ). I simply added the current cycle 's charges on the account website. This should have generated fuel credits of {$18.00}. I was thus shorted {$7.00} in credits, with a cash value of 20 times {$7.00} or {$140.00} in gas. To illustrate the problem, I made XXXX charges during this cycle prior to XXXX XXXX for {$3000.00}, which should have generated a {$7.00} each ( XXXX x {$0.00} XXXX. Only XXXX credit this large appears, making clear that their records are wrong. My problem is that after XXXX communications with customer service, I ca n't get any XXXX to look at the record and add up the charges to see that, in fact, I charged {$7200.00} during the relevant period. Their most recent letter, dated XXXX XXXX, but received XXXX XXXX, simply repeats their claim of the amount of the rewards currently available without any effort to explain why the period from the start of the billing cycle XXXX XXXX XXXX XXXX to XXXX XXXX with a total of {$7200.00} charged produced only {$10.00} in fuel credits rather than the obvious {$18.00} that it should.
The problem is more serious. It took many calls and emails to establish when the 90-day period ended. ( It was not clear whether their clock started when I applied, when the application was accepted, or when the card was activated ). They finally told me ( in writing ) the day the 90-day period ended XXXX XXXX, thus permitting the above calculations. For example, in my first email request for the bank to tell me the end day of my 90-day initial period, the customer service representative simply stated that in the initial 90 days I am to receive {$0.00} per {$100.00} charged with no response to my question of when the 90 days ended. The next query, by, phone produced XXXX different answers from a lady who clearly had no idea what the right answer was. She quoted dates as early as 60 days after activation to as late as well over 90 days.
I need {$7.00} in fuel credits or {$140.00} in cash credit applied to the card. I would also like assurance that their customer service will be more responsive.
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| 12/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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On XX/XX/XXXX I called the Member Service number listed on my credit card statement for XXXX XXXX, XXXX XXXX XXXX, because the interest amount charged of {$47.00} was excessive, it calculates to an annual rate of 51 % instead of the stated 23.99 % on the statement. After over 1 hour 30 minutes on the phone, most of it on hold I was told the Balance Subject to Interest Rate was claimed to be {$2400.00}, which was nearly 1.5 times the actual balance of {$1100.00} for the month interest was to be charged. My payment is usually due on the XX/XX/XXXX of the month. I typically pay my balance in full so there is no interest charged. In XX/XX/XXXX, the month the interest was charged I missed the payment date and paid two days late due to thinking I had set up the payment the previous week. The interest charge I am challenging does NOT include the late fee. That fee is legitimate but the interest charge is not. The balance due on XX/XX/XXXX was {$1100.00}. Even if the credit card company abuses the consumer with a two month calculation that still doesnt justify the interest charge. The balance due in XX/XX/XXXX was {$510.00}. The company refused to explain the calculation, there is no rational way to figure out how they exploit the customer and manipulate the effective interest rate to be far in excess of the claimed interest rate. After one hour and 45 minutes another representative came on the phone and continued to argue the rate and still refused to explain how they were fraudulently calculating my interest charge. After 2 hours and 1 minute I put the phone down and ignored the lying and dismissive attitude until the representative hung up. It became abundantly clear that there was no interest by the company to be honest and forthright regarding their fraudulent manipulation of balances. I will be making my payment due XX/XX/XXXX on time but I expect a new exorbitant interest charge on my statement due XX/XX/XXXX. In the fine print on the back of the statement it says the bank calculates the Balance Subject to Interest Rate by using an average daily balance method. It explains that calculation uses the daily balances during the billing cycle. Using that method it would still be impossible to achieve the Balance Subject to Interest Rate of {$2400.00} unless they are using the balance from the NEXT month. Because remember the previous months balance due, paid on the XX/XX/XXXX, the month before month the interest was due for was {$510.00}. Assuming that I made one charge of {$1100.00} on the first day of the billing cycle due on XX/XX/XXXX, the whole balance would still only be {$1600.00}, or roughly 2/3 of the claimed Balance Subject to Interest Rate of {$2400.00}. The bank refused to do anything to correct their error.
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| 07/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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First off, I have been a loyal customer with Walmart for 3 years. I now have the Master Card with them. My interest is too high and I have been charged way more than I was suppose to pay. My bill should have been off in FULL by now and I do n't understand why it has n't been. According too my bill statement from XX/XX/XXXX until XX/XX/XXXX I have paid {$5000.00} or more. So technically speaking my bill should have been long ago been paid for. On XX/XX/XXXX I purchased a television on the card and I paid {$1700.00}. The television had a promotion for 12 months with NO INTEREST. Well, interest was added a month after I got the television and was n't suppose to be added until the promotion expired this year. Also they claimed that I had to pay {$1200.00} before the interest charges of {$470.00} could be taken off. The television has also been paid for. So I do n't understand where this is coming from. I called the Account Manager and tried to get a clear understanding but did n't get anywhere. The manager told me that I was suppose to call when I paid my payments and tell Walmart that the payment was going towards the television. Well I was in NO WAY informed about this memo and I explained that too her. I told her that I was n't informed about this in no way ; so how am I suppose to call if I was n't informed. That 's not my fault, it 's WALMART 'S FAULT. She kept telling me there was nothing she could do. She also told me that " We could stay on the phone all day but nothing could be done. '' What kind of bank is this? What kind of customer service is here? So now my balance is at {$4800.00} and it should have been paid A LONG TIME AGO. Every time I get my bill the balance is STEADY going UP not down. I have NEVER been late on any payments and I always pay MORE than the minimum. So I feel that I am being ripped off and it 's not right. Also, this is messing up people 's credit scores to where they ca n't even get a car or nothing and it 's ridiculous.I am not the first person that this is happened too and it will continue to happen if nothing is done about it. Symphony bank is a very BAD bank to work with. Their is nothing professional about the customer service. I am FED up with this bank and something needs to be done ASAP. I would like a refund of all the money that I have invested over the last 2-3 years of having this card that was not suppose to be added or paid to Walmart. I have dealt with this company for 3 years so I know at least they should owe me money for 2 years. I would also like my credit card balance to be PAID IN FULL because, my card should have been paid for a long time ago. I would also like my credit scores to be fixed as well. Thanks for all your help and once again please fix this problem!!
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| 05/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Add-on products and services
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Web |
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I opened a Discount Tire credit card in XX/XX/XXXX to purchase tires for my vehicle and to also add an additional account to my credit. I purchased the tires in XXXX of XXXX and didn't receive my first bill till XXXX of XXXX. Prior to receiving my first bill I did receive a phone call from Synchrony bank informing me that my payment was late. I found this was strange news to hear as I still didn't have a bill yet. Durning the call I tried to make a payment from my PAYPAL debit card which is my main banking platform but there system kept rejecting my payment so I told them that I would have to get a new account to pay with. About a week later I was able to make my first payment of {$100.00} towards my balance of {$1100.00} with the contracted terms of no interest, if paid in full, within 9 months. I received my bill for the next month and found discrepancies on it so I called Synchrony Bank to get some answers. The discrepancies that I found was that they did not apply my full {$100.00} payment to my account balance but instead took out a card security fee of {$20.00} which made my first payment short and late because the minimum payment wasn't made, they then also charged me a with an additional late fee of {$39.00}. I did not sign up for a card security program. They refused to remove the card security fee from my bill and send me an accurate bill per the terms of my initial purchase receipt with Discount Tire and I've tried to explain on multiple calls with different representives that I did not sign up for the card security.
I have been trying to pay my balance of {$1000.00} over the phone with XXXX since XX/XX/XXXX, well before the 9 months of interest free as shown in my agreement. They refuse to accept my payment and continued to demand I owe them card security fees, interest, and late payment fees. After Speaking with a local debt consolidation company I sent them a personal check for the remanning balance of {$1000.00} via certified mail on XXXX and due to the COVID-19 Pandemic the certified item was delivered and available for pickup at there PO BOX on XXXX. My personal check was cashed on XXXX and my account was credited in the amount {$1000.00}, even thought my check was written for and presented to my bank in the amount of {$1000.00}.
According to my original agreement this should satisfy my financial obligations on this account. There should no be any negative reporting to the credits bureaus in regards to this situation.
I appreciate the CFPB and your help in this matter, since after having to file com [ plaints with various other credit bureaus, as well as attempting to resolve this issue with Synchrony bank directly, several times. I felt as if i had no other choice, so thank you for your time.
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| 06/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : SYNCB/PAYPAL Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, MD XXXX Inaccurate information XXXX SYNCB/XXXX Inquired on XX/XX/XXXX Business XXXX : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate information reported XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inaccurate information reported I the consumer contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm.
I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the banks function as well the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.
I the consumer would appreciate your help in Resolving this matter and removing this inaccurate information within 15 days required the law. Please never ever report this inaccurate information on my report ever again.
Thank you for your help and assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX
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| 07/07/2015 |
Yes |
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Web |
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HelloMy name is XXXX XXXX am account holder of Care Credit/Synchrony BankMy account number - XXXX XXXX XXXX XXXXThe Customer Service in this bank is the worst I 've ever know since I 've started to use the credit cards.
So are the rules.
My credit line was originally approved for $ XXXX always pay in a timely manner.
Suddenly with absolutely no reason, I 've received the letter from the customer service, that my credit line was decreased a half! Till {$1500.00}!
At that point I was in process to do expensive dental work, and relied on this available credit.
As a result, I 've lost a great deal of money and was embarrassed in from of my doctor.
Next nightmare I was experienced a few days ago, when I 've received my monthly bill.
The bill looked as a letter from the mental hospital.
The billing department stated that I 've paid my monthly charge in the amount of {$43.00}, but the next line says that I 've missed the payment???!!!!!
As the result, they want me to pay TWICE the same amount that I 've already paid from my checking account ( as I always pay, every month ) + the late fee in the amount of {$38.00}!!!!
When I 've call your customer service and asked what is it going on, I 've receive the idiotic answer, that my account did n't have enough money to pay it and the payment was not made.
I verified with my XXXX XXXX XXXX customer service representative and realize that it was a bold lie from your customer service.
On XXXX XXXX I 've received my regular XXXX check, and my account balance was over {$1500.00}.
On the top of all this ridiculous unprofessional stupidity, your answering service is terrible.
Please call and check.
Any option you select, the machine says : '' I still do n't understand it! " Finally checking today the balance on my account, I understood that you need a good audit- Big Time!
Your recording told me : '' Thank you for your payment of {$43.00} on XXXX XXXX. Your next payment is XXXX XXXX.
Your minimum amount due is {$110.00}, since we did n't receive your XXXX XXXX payment!!!!!!!!!!!!!!!!!!!!! \So you have to pay for XXXX ( twice ) and XXXX + late fee!!!!!!!!!!!!!!!!!!
I was unsuccessfully, trying today to reach you customer service representative, but in vain.
Your answering service is a broken record, and did n't let me talk to the representative.
I 've lost a great deal of time already because of this nonsense and not going to make any more payments, till you stop to bill me wrong and apologize for the all your wrongdoing to me.
I am going to complain to XXXX, XXXX, XXXX, media etc.
YOU ARE CHARGING THE TREMENDOUS PERCENTAGE FOR YOUR LOUSY SERVICES AND UNPROFESSIONAL PRESENTATION, SO YOU MUST BE HOLD ACCOUNTABLE, AND YOU WILL.
XXXX XXXX XXXX XXXX.
XXXX, IL XXXX
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| 01/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have reached out to the credit bureaus, XXXX, XXXX, XXXX asking them to please investigate and send me an update. Have not received a response.
Inquiries : Name Requested On XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual SYNCHRONY FINANCIAL XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCBCARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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On XX/XX/XXXX, I learned that my XXXX XXXX XXXX credit card was closed on XX/XX/XXXX, for reasons unknown to me. This prompted me to inquire because I received a text message from XXXX XXXX, informing me that they could not process my payment. XXXX XXXX was on auto pay under the XXXX XXXX credit card. At approximately XXXX am I contacted Synchrony Bank and spoke to a customer service representative who confirmed that my credit card account was closed and that it could not be reopened. The CSR was unable to provide the reason for closure but stated I would receive a letter in the mail within 7 10 days informing me of the reason. I contacted Synchrony Bank several times following my original call-in hopes of speaking to someone that could provide additional information as to why my account was closed. Upon speaking to XXXX, a Synchrony Bank CSR, she informed me that an additional ( 4 ) credit card accounts with Synchrony Bank had also been closed. In addition to the XXXX XXXX XXXX, the following credit cards that were closed included : TJ Maxx, Lowes Advantage, Care Credit, and Ashley Furniture. XXXX also informed me that the letter on file indicated the reason for the account closure was due to Activity on accounts shows high risk of failure to pay. I questioned if this was a generic notification as well as what was this based upon. I further questioned the reason behind the account closure since ALL my accounts with Synchrony Bank were in good standing, statement balances were paid in full each month, my credit limits ranged from XXXX XXXX, to include as of XX/XX/XXXX I received a XXXX credit limit increase on the Lowes Advantage credit card. I am unable to access my credit card accounts online to obtain statements, transaction & payment history due to account closure and my attempt to obtain a resolution remains unsuccessful. With each call, I was redirected to contact the credit bureaus. My response to the CSR was the credit bureau reports what the credit card company ( Synchrony ) reports. I also shared that closing my accounts will negatively impact my credit score which has already decreased by XXXX points, it could also potentially cause negative consequences from my employer since I have a security clearance, as well as it will likely negatively impact my ability to secure credit in the future with other lenders and/or banks. I am also concerned as two of the credit cards, Care Credit and Lowes both have promotion/interest free balance plans. What will happen to the promotion, interest free benefit? Will I be required to pay them in full? Another issue to potentially ruin my credit worthiness. In reviewing my credit report as well as other credit platforms, my payment history reflects 100 % ( positive ).
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| 01/21/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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On XX/XX/XXXX I spoke to XXXX in the universal fraud department at Synchrony Bank about a fraudulent XXXX Rewards application that was submitted under my name. She stated that she would have it closed down, a fraud file created in their system, and a deletion request sent to the credit bureaus. She questioned me about my legitimate Gap, Banana Republic, JCPenneys, and Sam 's Club accounts. I informed her that those were mine and not fraudulent.
I received a letter from Synchrony bank on XX/XX/XXXX that these XXXX legitimate accounts were closed down. I then spoke to a XXXX in the universal fraud department who confirmed that the accounts were closed down on XX/XX/XXXX and that it would take 7-10 business days for the issue to be cleared up before new cards could be reissued.
On XX/XX/XXXX I spoke to XXXX who claimed to be a manager in the universal fraud department. She stated that they would be sending a notification to the credit bureaus informing them that the accounts were closed due to an error on their part. She also mentioned that this should not only have them reopen the accounts, but retract any derogatory information that would have been/has been reported due to this.
Around XX/XX/XXXX I received a letter from Synchrony notating that they took me off of my husband 's BP account ( I was an authorized user ). I contacted them and they stated they would correct it.
I received another letter from them dated XX/XX/XXXX notating that a fraud investigation was being done my Gap account. Around XX/XX/XXXX spoke to XXXX in the customer service department in the XXXX office who stated that there were 4 letters mailed out to me ( one for each legitimate account of mine that was shut down ) that listed recent charges. I was to mark which charges are legitimate and mail it back to them so that they can be reopened. I found it strange that I was being told this now, despite me speaking to MULTIPLE representatives and a supervisor who told me that there was nothing to be done on my part.
On XX/XX/XXXX I spoke to XXXX in the universal fraud department who transferred me to XXXX, and account manager, in the XXXX. XXXX mentioned that she sees that these accounts were previously, accidentally claimed as fraud and that I would need to speak to the fraud department. I spoke to an account manager in the investigations department named XXXX. She stated that I did not have any work to do on my end and that I would be receiving a letter notating that the accounts were legitimate in 5-7 business days. Here we are exactly 2 weeks later. I have not received the letter XXXX promised me. My legitimate accounts are still closed. I would like this mistake corrected. It 's been almost 2 months now and nothing has been done.
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| 08/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Synchronicity Bank promoting identity theft I've been with Synchronicity Bank for almost 8 years. They suspended all of my 8 cards because I needed to verify my Social Security number because they said that somebody called and tried to act like they were me. In which their customer service agent got angry and close all of my accounts without my consent. I did not know they were all closed until I tried using one of my current credit cards. I had to call Synchronicity Bank to let them know that I do not close up all my accounts which were tiresome and frustrating. I mailed in my personal information on XX/XX/XXXX they told me they could not read my handwriting. I'm XXXX and because of that I knew my writing was difficult to read, so I sent a copy of my Social Security card with it to verify my information. Synchronicity Bank said that was not good enough for them so I had to e-mail my personal data. So the following letter that I received was on XX/XX/XXXX. I mailed it and took it to the post office on XX/XX/XXXX. I was inconvenienced because I had drove to the post office and handed it to the person behind the counter. I called on XX/XX/XXXX. They still didnt receive personal information. I then called on XX/XX/XXXX they still have not received my personal information. I called on XX/XX/XXXX they still received my personal information with my Social Security number and my address and my birthday on it my information. I called today, and they still have not received my information, so right now my personal information is lost!!!!!!!!!! We live in a time when identity theft is common, especially since they said that I called and close up all of my accounts. Synchronicity Bank is promoting identity fraud because they do not have a secure website where you can upload your personal information to them ..so right now, my personal information with my Social Security number, my address, my birthday, and my name is out there!!!!!!!!!! Synchronicity Bank the way they handle people 's personal information is unacceptable. 6 of my accounts that I have open for 10 years I can not use, and this is unacceptable and embarrassing, and frustrating my limit was started at {$3000.00} and because of my perfect payment history Synchronicity Bank raised my credit limit to XXXX now I have can not use because they don't have my personal information and I can't they can not verify who I am!!!!!!!!!! Synchronicity Bank 's practices are ridiculous and dangerous there's nowhere in the United States that you mail a letter in Georgia Synchronicity Bank has a Florida address so right now, my mail is lost. This is very concerning. Synchronicity Bank needs to have better, safer practices when sending information people 's personal information.
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| 02/17/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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I opened a joint savings account for myself and my husband at Synchrony Bank in XX/XX/XXXX. For this account, I was able to complete required disclosures online.
At that time, I also opened XXXX savings accounts for my minor children at Synchrony Bank.
I was unable to open the children 's accounts online, so I had to call the bank. Because of this, the bank had to mail physical paper signature cards to me to sign on behalf of my children.
I signed them and mailed them back in XXXX of XXXX.
The cards were rejected because the scanner could not " see '' the teal ink of my pen. I was sent a letter that they didn't receive the signature cards, no other explanation.
I uploaded new signature cards for each child to the Synchrony Bank website, as instructed by a telephone rep. The signature card for XXXX child was processed, but the other XXXX children were not processed.
I received no indication that anything was wrong until I received XXXX for each child in XX/XX/XXXX that there was backup withholding being taken from the interest payments on their accounts. There was no indication of backup withholding on any of the children 's statements, and no letter or phone call ever alerted me that this was occurring.
In late XXXX of XXXX, I began trying to solve the issue and get the backup withholding removed. After several phone calls, Synchrony Bank finally explained to me that the scanner that received the original signature cards for the children 's accounts did not detect the ink from my pen. I asked them to pull the original documents and re-scan them, and I was told that the signature cards are destroyed immediately upon scanning, so this could not be done. I was also told that the backup withholding had not been removed from my children 's accounts, and that they could not tell me why. I was asked to re-upload the signature cards for the XXXX children that were inexplicably not processed.
I did that in XXXX of XXXX, and upon calling back on XX/XX/XXXX, was informed that the second set of signature cards did not have the correct naming convention printed on them ( DUE TO BANK ERROR ) and that they would need new signature cards from me... again... and that the backup withholding wouldn't be removed until they had them.
In addition, I received XXXX letters in XX/XX/XXXX, addressed to the minor children ( not to me, the adult on the accounts ) that they needed substitute XXXX because Synchrony Bank XXXX XXXX their TINs were incorrect. Again, the children clearly can not sign these.
Synchrony 's banking practices surrounding backup withholding are deceptive in that you receive no notice, can't get it corrected in a timely manner, and the statements give ABSOLUTELY NO INDICATION that it is occurring.
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| 11/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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I was denied for a credit card and Synchrony can not explain why. I have an Ashley Furniture credit card through Synchrony Bank that I have had for a little over a year. My minimum payment every month is {$28.00} and I pay at least {$50.00}, and it is always paid early. I only have {$400.00} left on the Ashley Furniture balance so I applied for a credit card at Rooms to Go through Synchrony Bank in order to purchase new living room furniture. I received a letter on XX/XX/20 stating my credit application was denied due to " unsatisfactory payment history with Synchrony ''. I called their customer service number immediately and was advised that they have no access to my credit report and my only recourse was to write a letter to dispute the denial or call the credit bureaus. I asked if there was another department I could call to talk to someone, as I want to make sure my questions get answered and I was advised by the customer service rep that they do not have a phone # to provide me.
I obtained all 3 of my credit reports immediately after speaking with the agent ( on XXXX ) and ALL of my reports show NO late payments on ANY account, and my credit reports show that I am an excellent risk. I take pride in maintaining a high credit score ( currently over XXXX ) and making all payments in full and earlier than the due date. Additionally, the denial letter states the reason for denial is unsatisfactory payment history WITH Synchrony - they should be able to look into my payment history and tell me what the unsatisfactory history is, because all of the credit bureaus indicate that I have paid Synchrony on time always ( which I have ).
On XXXX, I logged into my account online and " chatted '' with an agent. The agent told me to call the application department and provided a phone #, however, the agent was also unable to tell me what my " unsatisfactory payment history '' was. The agent then transferred my chat to a manager who told me the same thing - they could not advise why the application was denied and that I needed to contact the credit bureaus. I advised the manager that the credit bureaus show excellent credit and no late payments, so I wasn't sure what I would even ask them/say to them. The manager told me that they make their decision based off of the credit bureaus and I again told him that the credit bureaus show near-perfect credit. I asked the manager who ultimately makes the final decision whether to approve or deny the application and he advised me that Synchrony does in fact make the final decision. But no one can seem to explain why my application has been denied and I am continuously directed to the credit bureaus. Synchrony made the decision to deny my application and they can not explain why.
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| 02/09/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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My mother, the owner of an IRA at Synchrony Bank passed away on XXXX XXXX, XXXX. As the executor of the estate of my mother, I contacted Synchrony Bank on XXXX XXXX, XXXX and informed the representative of her passing. The representative indicated that a copy of the death certificate would be required to cancel the Required Minimum Distribution ( " RMD '' ). I explained that the death certificate had not been finalized and stressed that a RMD should not legally be made to a deceased person. The representative checked with their supervisor and confirmed that they would be able to put a stop on all future RMDs without having a copy of the death certificate.
On XXXX XXXX, XXXX, I mailed via certified mail an original death certificate, a copy of the will and a copy of my driver 's license. Synchrony Bank received this package on XXXX XXXX, XXXX pursuant to the tracking information received from the United States Post Office.
On XXXX XXXX, XXXX, Synchrony Bank distributed an RMD in the amount of {$1100.00} into the savings account referenced above. On XXXX XXXX, XXXX, Synchrony Bank issued me a cashier 's check in the amount of {$600.00}. The check represented my beneficial portion of the balance of the savings account. This check was issued in error. It must be voided and the funds returned to the IRA account of my deceased mother. Failure to do so will cause this amount to be classified as an IRA distribution for me. This will result in a taxable event and financial harm to me as beneficiary of the IRA.
Dealing with Synchrony Bank during this difficult time has been XXXX of the most horrible experiences of my life. The incompetence at this institution and their inability to update their system properly to avoid mishaps is staggering. Since XXXX XXXX, XXXX, I have contacted Synchrony Bank by phone 10 times to resolve several issues. I have sent in multiple documents only to be told on several occasions that they did not receive them. Synchrony Bank has refused to work with me directly to manage the creation of the inherited IRA accounts for my siblings, even though I am the executor of the estate. I have had to micro-manage their staff to ensure that they follow through on the promises they have made over the phone.
All of this communication has taken place yet my mother 's accounts are still not resolved and errors continue to be made by Synchrony Bank. The amount of time required to resolve these issues has been unacceptable and extremely stressful. I can only assume that they have no interest in resolving matters quickly since it will mean the loss of a significant amount of money from their institution. Purposeful delay to retain account balances under the guise of incompetence is still unethical.
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| 02/03/2016 |
Yes |
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Web |
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I purchased a washer and dryer from H H Gregg. The purchase was put on my H XXXX Gregg credit card financed thru Synchrony Bank. This was a 24 month no interest promotion, meaning if its payed within 24 months no interest would apply. Approximately thirty minutes later I also purchased a TV with a 12 month no interest promotion. The washer and dryer purchase amount was {$2200.00}. The TV purchase amount was {$500.00}. XXXX 2015 an interest fee was charged to my account in the amount of {$1200.00}. The explanation I received was, the charges were n't paid in the 24 month period. When I reviewed my records I paid {$2400.00}. I paid for the washer and dryer, but I received interest for the washer and dryer.This would leave a balance of {$260.00} for the TV. If the TV had the shorter time frame but was purchased after the washer and dryer interest should have been applied for the TV not the washer and dryer. In Speaking with many customer service representatives no one could explain why my money was not applied to my first purchase. In other words my monthly payments were applied to the TV first. I reviewed the contract and could not find an explanation for this action. I was told to go to the store and speak with a supervisor. In speaking with the supervisor He should me a current contract and a clause, Payment Allocation. The statement reads as follow, We will apply the required total minimum payment to balances on your account using any method we choose. Any payment you make in excess of the required total minimum payment will be applied to higher APR balances. Applicable law may require or permit us to apply excess payments in a different manner in certain situations, such as when your account has a certain type of special promotion. I 'm not sure how this statement is justification for what has happened. I have called 10 - 15 times and was told by every representative not to pay on account while in dispute, yet I still received late fees which were removed after I questioned the fees. I received a letter from Synchrony Bank explaining the fee is justified and will stand as a valid charge with no break down of charges, fees, and payments. I 've been given a number to the escalation department and told there hours or XXXX XXXX - XXXX XXXX. The number XXXX is not a valid number for this department. Basically I 'm getting the run around. I expressed my disappointment and the feeling that I was tricked into this agreement. The salesman and I went over the contract but at no time did I hear, read or know about this Payment Allocation. And I 'm still not sure how this applies to me. Bottom line I had {$260.00} left to pay the TV off. They offered me a {$660.00} pay off that 's approximately {$400.00} difference.
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| 08/17/2016 |
Yes |
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Web |
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Approximately 2 months ago I tried to cancel credit monitoring I had signed up for through XXXX credit reporting agencies. The first agency I tried to contact had no, absolutely NO information on their website under my account of how to cancel. After more than an hour of frustration I finally contacted my credit card company, XXXX Bank and was told the only way they could block the charges would be to change my credit card and account number. The representative assured me that once the account number was changed that the charges would be denied and no more charges would be allowed. I was told that would work with both of my credit monitoring subscriptions, XXXX of which essentially refused to cancel my account through either no information detectable ( XXXX ) or LONG telephone wait times ( XXXX ).
This complaint is not with either of the credit monitoring services it is with Synchrony Bank. The bank representative told me that once I changed my credit card and account numbers that if I wanted to keep ANY automatic bill pay, like the credit monitoring services, that I would have to update my credit card information with each vendor. I filed a complaint with your agency regarding XXXX and my account was finally successfully closed. I received an email from XXXX on XXXX/XXXX/16 saying there was a problem with my account, namely that they could n't charge my credit card anymore. So I thought that the issue was resolved. WRONG! Sometime between then and XXXX XXXX, 2016 Synchrony Bank violated my privacy and disclosed my new credit card information to XXXX who then updated my account and charged me for the credit monitoring again, twice ( XXXX and XXXX/XXXX/16 ).
I understand that Synchrony bank reports my credit card account to the credit reporting agencies, but this disclosure of PRIVATE information for the other retail activities of said credit reporting agency is NOT acceptable. It is a violation of my privacy, unauthorized disclosure of private information and contrary to what their representative told me was the remedy for my EXPRESSED concern.
Now if XXXX took that information for credit reporting and used it for other purposes than the expressly authorized purpose of establishing and maintaining my credit report, then perhaps XXXX is the violator. But when I brought this complaint to the attention of the Synchrony Bank representative when I disputed the charges, I was told that I had an ongoing authorized charge and therefore they ( Synchrony Bank ) could disclose the updated account number to the errant entity wishing to continue charging my account AFTER I was told that changing my account was the only way to stop these charges since the vendor ( XXXX ) refused to handle my call in a timely manner.
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| 12/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I tried purchasing a regal gift card online through the XXXX gift card shop. I tried using my XXXX cash back visa credit card ( synchrony bank ), but when I clicked submit payment, the website told me that my credit card info was entered incorrectly and to try again. I tried XXXX times and it would not work, so I tried a different credit card and it accepted it the second time I entered it. I thought I was only purchasing XXXX gift card, but I discovered a few hours later that the XXXX website had charged me each time it told me that my credit card info was wrong and to re-enter my information. I was charged XXXX times for the same purchase and I did NOT consent to buying the same gift card XXXX times. I only wanted to purchase XXXX gift card and ended up with XXXX, XXXX of which I did not consent to. I then cancelled my credit card and called the XXXX XXXX XXXX ( XXXX ) and spent XXXX minutes on the phone with a woman named XXXX. She said she would file a charge dispute for all XXXX charges with the reason being " double charge ''. I asked for a case number and she told me they don't have case numbers. The only info she would give me about my case is that her name was XXXX and the disputes were processed at XXXX ( Texas XXXX. On XX/XX/XXXX, I receive an electronic letter from XXXX saying they are reviewing my claim. XX/XX/XXXX, I receive an email saying my statement is ready and all of the charges are back on my statement and they are saying I owe them {$840.00} even though I disputed all of these charges and they can not legally make me pay this when I have a case opened against them. I tried connecting to the live chat XXXX minutes ago and a live agent claimed they were going to help me, but then they abruptly ended the chat. When I tried connecting with an agent again, the automated chat bot told me no one was available. When I try calling the regular number, it tells me that there are no employees in office due to XXXX and to talk to the automated chat bot online for further assistance. This entire company is a scam and fraudulent.
All XXXX transactions occurred on XX/XX/2021, but the credit card says the transaction date and post date are XX/XX/2021 Reference number for all XXXX transactions are XXXX & Description of all XXXX transactions are XXXX XXXX XXXX XXXX ME XXXX charges of {$160.00} and XXXX charge of {$160.00}. I had changed it to {$160.00} thinking the website didn't like the XXXX cents on the charge The company has not tried to solve my problem and instead has made this extremely difficult to even talk to someone that can help me. Now they are trying to illegally collect money from a charge that was fraudulent because their website was charging my card without my consent.
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| 05/07/2016 |
Yes |
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Web |
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Several days before our vacation, I used some of my work bonus to pay a large portion of my Wal-Mart MasterCard balance. The amount I paid was {$3000.00}. This card was to be used for the hotel and other misc. charges while on vacation.
We arrived on Saturday XXXX/XXXX/16 and the MasterCard was declined at the hotel front office. I immediately call customer support. I was told that the {$3000.00} payment was on hold for an unknown reason. I was told, possibly because it was too large of a payment I explained the situation and also informed the agent that this was an electronic transfer from my bank and not a check. After explaining what the card and money transfer was to be used for, the agent was able to resolve the situation and I was told that {$3800.00} was available for credit. The card was subsequently accepted at the hotel front office.
I made a purchase on Friday XXXX/XXXX/16 at the local grocery store and the Wal-Mart MasterCard was again declined. After using my debit card, I again called customer service. This is when I was told that my credit limit was changed from {$4500.00} to {$900.00}. I explained the situation for a second time. The agent was unable to help and I requested her supervisor. I explained to the supervisor the situation for a third time. I also explained that it seemed more that coincidental that after the credit card company received my {$3000.00} payment, they then decided to limit my credit. The supervisor offered a temporary increase of {$250.00}. I disinclined as this would do nothing to pay the {$1600.00} hotel bill. I did request my {$3000.00} payment back minus the monthly due. He indicated that he did process the request.
Note that we have not defaulted on this card or any other card. the fact that the credit card company decided to change my limit after they safely received the balance of what was over the new limit seems unethical. I understand that I had medical issues and some bills went to collection. This would seem consistent with a limit change and I 'm not implying this was wrong or unfair. What I am implying is the underhanded way business was conducted on this matter. The credit card company put me in a very bad situation, while the whole purpose of having the card was to provide a safe way of traveling with the security of having funds available.
I am asking that the credit card company return my {$3000.00} payment minus the monthly payment due. The payment I made which I succinctly communicated to them was to be used as available credit for my vacation. I also ask that the credit card company be investigated for unethical practices for changing my limit after I paid the balance. I believe this would not have been done had I not paid the balance.
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| 12/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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On XX/XX/2023 I sent feedback to my complaint # XXXX that was originally filed on XX/XX/2023. I received no response to my questions on XX/XX/2023 regarding your response on XX/XX/2023. Here are my questions from the complaint # above.
Thank you XXXX XXXX XXXX for your response to my questions. In your 4th through 6th paragraph you state that there are multiple reasons why my deposits won't post as a credit to my account. I have a few questions about those reasons. 1. In your 4th paragraph you state that a stop payment could effect this. I can understand if Synchrony was receiving a paper check by mail because those take many days. But this payment is processed through electronic payment from one bank to another and as you can see from my attachments it happens within a few days. Also XXXX policy states that it can not stop payment on a payment after its been paid. You can see this in the " Stop payment of checks '' section in the link provided below. I believe that since the payment shows up in my XXXX XXXX account XXXX can not stop this payment and this first reason is not valid reason not to post it as a credit to my account. https : XXXX? XXXX XXXX. You also state that a " large number of payments made within a specific time period '' could cause this to happen. Could you please specifically explain your definition of a large payment, and how you calculate that large payment when it relates to my account. Also could you please explain what specific time period you are referring to. I make one sometimes two payments a month. Does two payments in a 30 day period cause this? If so could you please tell me what amount and time period I should be paying to keep this from happening in the future. 3. You state, " previous returned checks '' I have never had any returned checks. Please let me know if this could be a reason. 4. " Payments on new accounts '' please explain what a new account is and if I fall under this category. If I do could you please give me a time period when my account is no longer considered a new account. 5. " Out of pattern payments '' please explain Synchrony 's definition of out of pattern payments. As stated above I will usually make XXXX, possibly XXXX payment a month. I pay on or around the XXXX of the month and maybe XXXX in the middle of the month to bring my available credit back up. 6. " Amount of payment '' please explain what dollar amount of payment is considered large in my situation. I know you may not be able to give me the specific answers to my questions. If not I would greatly appreciate it if you could escalate it to someone that can answer them so we can get this handled and so I can make an educated decision how to handle this account. Thank you for your help.
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| 10/09/2023 |
Yes |
- Credit card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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Synchrony Bank manages the credit card accounts for Walgreens ( I.e., {$500.00} limit ), ShopHQ ( I.e., {$1500.00} limit ), and Sam 's Club ( I.e., {$1000.00} limit ). On three separate occasions, I was while in each of the stores, I preapproved for an account during the check out process for a purchase, and accepted the account. Over a period of one year, Synchrony Bank began reducing the credit limit to the current balance following a payment, until they finally closed the account. With the exception of one late payment on the Walgreens account in XX/XX/, all monthly payments were made on or before the due date.
Each time Synchrony Bank lowered the credit limit, my credit score was negatively affected. The closing of two accounts, ShopHQ and Sam 's Club, further devastated my credit score. The Walgreens credit account limit has been gradually reduced from {$500.00} to {$100.00}. The customer service representative stated that the decisions were due to a scoring system Synchrony Bank uses to determine creditworthiness. However, Synchrony Bank 's practices appear discriminatory or targeting in nature. There were extenuating circumstances due to my sons ' illness and unexpected death. In fact, this information was shared with Synchrony Bank and other creditors to explain the high use of credit accounts was due to my son 's illness and his lack of benefits. Synchrony Bank is the only creditor who responded in this manner. All of my accounts are paid as required.
In XXXX XXXX, I contacted customer service to explain the reason for the one late payment to Walgreens, which was approximately fifteen days late. My son had been ill and passed away on XX/XX/. I was concerned that Synchrony Bank would continue to reduce my credit limit. I explained that Synchrony Bank had closed ShopHQ and Sam 's Club accounts when all payments were made on time. The representative stated the bank would not reduce a limit or close an account for one late payment. However, on XX/XX/, I logged into my Walgreens account to make a payment and discovered the credit limit was reduced to {$100.00}.
I contacted Synchrony Bank via an online Chat. They do not post a telephone number for customer service. Once again, the representative stated the bank does not close an account or reduce a credit limit for one late payment. I explained my past experience with Synchrony Bank. It took several minutes communicating in the Chat before I received a telephone number to call ( XXXX ). I contacted customer service to file a complaint for discrimination and the pattern in which my three accounts were targeted, then two were closed. Subsequently, the representative, XXXX, informed me that she couldn't guarantee I would be contacted by the bank.
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| 07/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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XXXX original complaint. With all the companies responses.
Per Your last communication response through cfpb Although we submit updates to the reporting agencies each month, we do not furnish information that accounts are past due to the credit reporting agencies. Depending on the current condition of a given account, we will furnish an account as either Account assigned to internal or external collections, Account paid in full, was a collection account, or Account paid in full for less than the full balance.
I was. Notified today that you flagged me for non payment on all 3 credit bureaus.
You also stated you would stop debt collection for 90 days in the same prior communication they cfpb.
Per this exact conversation dated - XX/XX/XXXX You convey that you can not afford to pay the balance due to recent financial hardship related to the COVID-19 pandemic. We are sensitive to your situation, and in keeping with the Hardship guidelines found in Article 2 of our Consumer Bill of Rights, we have placed a temporary hold on collection activities against you for the next 90 days.
ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Which you have violated.
I contacted your company to make an effort to pay your company shortly before court. Your Supervisor stated he would not make any deal or option for payment until my complaint was removed. I called again a week later and was told the same thing.
You have violated my right to freedom of speech.
Your company has violated my rights multiple times.
If I filed a complaint originally it was because you were breaking the law.
Then you refuse my offer to settle debt, until I remove my complaint for you violating my federal rights in the first place.
So I went to court. Your representative did not show up.
The judge waited for hours. They still did not show up.
I was told the case was closed.
Today I am notified that you violated my credit. AGAIN.
what happen to 90 days? XX/XX/XXXX thru XX/XX/XXXX hmm What happen to forcing me to remove my complaint?
You won't make a deal for repayment until I remove my complaint. I told you I wouldn't remove it.
You can not force me to remove a complaint against you or your company.
Then you no showed for court. I told the judge what you did.
So please.
If you would like to push this matter further. I would be glad to find a very over zealous attorney.
This is now my 2nd official federal complaint against your company for violating laws that were put in place to protect individuals from companies like you.
You refused to settle.
Because of complaints I filed.
You didn't show up to court.
And the you violated my 90 days of covid consumer protection.
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| 03/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Around XXXX 2020XXXX Synchrony Financial Bank 's " Customer Service '' department suspended my XXXX XXXX XXXX XXXX XXXX for reasons withheld while making purchase attempts on XXXX. My address had changed from XXXX to XXXX, so presumably I was triggering some kind of algorithm in their Security & Fraud area. My complaint follows its demonstrable commitment to treating me like a criminal for their incompetent Fraud activities, their Customer Service 's deference to that area, and their Executive area 's refusal to engage in a meaningful conversation about their internal practices. To clarify, the CS department XXXX online in chat with " XXXX XXXX '' or " XXXX XXXX '' XXXX repeatedly deferred elsewhere for support even when XXXX claimed management status. XXXX XXXX " Senior Specialist, Corporate Consumer Relations XXXX # XXXX on behalf of XXXX XXXX XXXX office discarded my voice messages and emails to XXXX about its deliberate indifference to my use of the card. It's one thing to refuse to service a card through gross negiligence, but to confirm my accusations against XXXX, today Account XXXX " XXXX '' literally verified their plan is to ignore my requests for support and " close '' the account due to inactivity they caused through false allegations about my card 's use. XXXX had gone out of his way to force me to identify myself as " its '' customer, then withdrew any support as XXXX customer in order to skirt the issues presented. To be clear, he added their management would NOT close my account as counter-requested to his conduct and this crystallizes a very questionable banking practice. They have in effect ruled me out as having any voice in their operation on grounds that they can insinuate me as not deserving of listening to on false grounds that they themselves created. XXXX did not deny, as " XXXX '' did, that staff in-accountability was at issue here. He simply reiterated what XXXX XXXX inaction had implied the entire time. It can do whatever it wants including ignoring a bona fide customer 's request to close account on grounds that it fabricated entirely.It perpetuates its insidious conduct through saddling customer with lies such as XXXX XXXX and deliberate indifference at the executive level.This goes way beyond my ability to control. I resent the fact that on its this platform, paid staff in concert together volley me about using false inferences to steal my credit balance and act like that's just the way the cookie crumbled instead of their own crookedness. We aren't responsible, that's on them. " We're so sorry, '' their script continues, and they serve up a well rehearsed poison, " I completely understand, '' as if their falsehoods can not be discovered outside of our chats/calls made.
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| 01/11/2017 |
Yes |
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Web |
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On XX/XX/XXXX16 I shopped at an XXXX store wherein I had a large purchase. During the checkout process, the cashier said that if I applied for a store credit card, I would save 15 % off my transaction and I really should do it based on how much money I was spending. I said " No thank you, my husband will kill me if I opened a credit card, I will pass. '' The cashier said that I had the option to fill out the application but I do not have to submit it. This obviously sounded too good to be true but she ensured that she would n't be submitting any app since I declined and I would be using my card for the purchase. I took it as an employee thing where they just need to show filled out applications to show that they were offering it to customers. At the end of my transaction I again confirmed that I was not submitting any application and I was assured that I was n't. I swiped my card, signed for the transaction as I was told and went on my way. I did not realized that I was lied to about this until later receiving a card in the mail. I immediately contacted the credit card company on XX/XX/XXXX16 and explained what happened. I was told by the representative that they would close the card AND DELETE THE ACCOUNT OFF MY CREDIT REPORT. I explained that I did need to return some items ; therefore, the rep instructed me to return them on the account and then contact them back to proceed with closing the account and removing it from my report. I went to the store the same day and made the return as I was instructed. A few days later I contacted the company back to proceed. This is when the associates became rude and combative stating that I agreed to terms and signed for them. This is untrue as I was told I was signing for my purchase on my card and I was n't submitting anything! So essentially, it 's not safe for me to shop at old navy unless I use cash only because I would have no way of knowing what I am signing for because the reps selling the credit card lie. I escalated my concerns with the credit card company and they advised they would investigate this but it would take 60 days. I just received a letter in the mail stating the card will remain on my credit file as I agreed to open it. This is again false. I am confident in my rights as a consumer and very familiar with the laws. I know that per FCRA a financial institution is not required to report an account, but if they do then they must report accurately. Therefore, there is no reason why they will not remove the account that I never even authorized to be opened in the first place. Especially after I was told by their company that they would delete it originally. Why is this call not being reviewed and why are they not holding themselves accountable?
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| 05/29/2015 |
Yes |
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Web |
Older American |
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I am in the process of being defrauded by Paypal and XXXX bank. I signed on for a credit card with Paypal through XXXX ordering. My interest rate was reasonable low at the time. I believe it was in the teens.
I ordered on it but got XXXX soon after. I was n't paying attention to my bill. I just charged and paid the payments. It was only when the payments escalated that I took notice.
My statement showed that only XXXX dollars of almost XXXX dollars was going on the principalALL THE REST WAS INTEREST, I called Paypal and asked questions. I asked when was my interest increased that I was never given notice or I would have closed the account sooner. I WAS TOLD MY ACCOUNT WAS THE SAME ACCOUNT. I THEN CLOSED THE ACCOUNT AND SETUP A PAYMENT PLAN. I was to pay XXXX per month. I also on my own paid down XXXX to get the owed amount down much lower. I CALLED LATER AND TOLD PAYPAL THAT IHAD FOUND XXXX OF MY ORIGINAL STATEMENTS THAT SHOWED A DIFFERENT ACCOUNT AND THAT IS NEW ACCOUNT WAS NOT XXXX I SIGNED ON TO.
They insisted that it was the same.
About XXXX wks I started receiving calls with no person just a message to call GE. I did n't understand this because GE meant nothing to me. I did not say PAYPAL.
I called and found out it was XXXX bank and they wanted XXXX dollars per month from me. I REFUSED. As this is a payment TOO LARGE FOR ME TO PAY. I AM A SENIOR WITH ONLY XXXX AND I CAN NOT PAY AN AMOUNT THAT LARGE AND LIVEI also think SYNCHRONY HAS NOT BILLED BE ACCURATELY. I THINK THAT THEY DID NOT PAY THE CORRECT AMOUNT TO MY BILL AS THEY CLAIM I ONLY PAID XXXX DOLLARS TO THE PRINCIPAL AFTER PAYING XXXX DOLLARS FOR OVER A YEAR.
WHERE IS MY MONEY. WHERE IS THE XXXX DOLLARS PLUS XXXX PER MONTH. I also believe that XXXX NEVER ABIDED BY LOWER INTEREST RATE DURING TIME PERIOD. THE INTEREST CHARGED NEVER LOWERED. IT APPEARS THEY ARE HIGHER THAN EVER. EVEN WITH PAYING XXXX DOLLARS IN PAYMENT LAST YEARI can never pay this bill off. First of all I do n't feel I owe this amount. I believe I have been defrauded and am continuing to be harassed and defrauded even after trying to paY this fraudulent bill. I have cancelled all my future payment until this investigation is over. IT IS A WASTE OF MONEY AS LATE FEES AND MORE INTEREST ACCRUS TO CONSUME THE ENTIRE PAYMENT OF XXXX DOLLARS. THIS IS INSANE AS MUST STOP.
I need all of my records to be produced and investigated. All paypal accounts. XXXX is buying up NUMEROUS COMPANIES and I believe that all manner of cross billing andfraudulent interest hikes are rampant. EVEN RIGHT NOW. PAYPAL IS CONTINUING TO HARASS AND BILK CONSUMERS.
Something must be done. Even the FBI called in as these accounts are being altered online.
I NEED HELP NOW.
Sincerely, XXXX XXXXXXXXXXXX
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| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX D.O.B XX/XX/XXXX Date : XX/XX/XXXX CARE CREDIT / SYNCHRONY BANK XXXX XXXX XXXX XXXX, FL XXXX To Whomever it may concern ; This is about the consumer credit transaction initiated with your financial institutions executed by way of signing an agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form.
The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing.
In the above -mentioned Consumer Credit Transaction without giving me the opportunity to opt-out, your institution, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX XXXX According to 15 USC 6809 ( 4 ) ( a ) The term nonpublic personal information means personally identifiable financial information 01 Provided by a consumer to a financial institution 02 Resulting from any transaction with the consumer or any service performed for the consumer ; or 03 Otherwise obtained by a financial institution Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
Therefore, as per literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802.
In case your company admits that the company named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ).
PuUnder5 USC 1681a ( d ) ( 2 ) ( a ) ( ii ), the consumer report will not include any information communicated among persons related by common ownership or affiliated by corporate control.
Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if a company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.
Therefore, your company has not only infringed my right to privacy but also violated multiple Federal Laws.
I hereby request you to remove the below-mentioned information from my consumer report XXXX. REMOVE ALL LATE PAYMENTS If you accept my request, I will not escalate this matter to a federal complaint.
Thank you for your attention to this matter Sincerely
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| 03/16/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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On Tuesday, XXXX XXXX, 2016, I was on the phone with Synchrony Bank, for more than half an hour, addressing a concern to my Walmart 's Card and I also made a payment to my account. However, this morning, Wednesday, XXXX XXXX, 2016, I received a call from Synchrony Bank, at XXXX XXXX., which I did n't answer. However, within an hour, I did contact them, to get the nature of the call. Upon contacting them, I was informed that my account was overdue and I was told that I needed to make a payment to bring the account current.
After I explained to the customer service representative that I had already made a payment to the account, she told me that it was not noted and that I would have to make the payment again. I asked if she could please verify the information, so I would n't be inconvenienced. However, she responded by saying that she had already checked the records and that a payment had not been made to the account and she suggested that maybe I had n't made a payment, at all.
I was already upset by the fact that I was contacted at XXXX XXXX. in the morning regarding a matter I had already addressed. But, when she began to behave as if I were not being honest, I was even more upset by this.
Anyway, I told her I would make the payment, so I could move forward with my day. Because, this is certainly not how I wanted it to began.
She took the payment information and then insisted that I pay and additional {$15.00}, which had also been addressed the previous day, with another customer service representative. So, I refused and told her that I was completed with this conversation and I needed to get off the phone, so that I could began my day. I had already spent nearly 30 minutes of my morning addressing this redundant and unwarranted phone call.
After hanging up the phone, I immediately went to the computer to check to see if the payment had been taken out, since I used my debit card to make the payment. Well, to my surprise and dismay, both payments had been removed from my bank account. The one from the previous day and the one I had just made by phone. I was outraged.
I could n't believe I had wasted my morning addressing an issue that was already taken care of. And thanks to the negligence and inefficiency of Synchrony Bank - Walmarts customer service, now, I had made a double payment, which I never intended to do.
I immediately contacted them back and demanded a refund of my second payment, which was never required. I feel that I was forced to do something against my will and I also feel that it was unethical practice.
I was told that I could not have a refund, but the customer service representative told me that she would document what had happened. Well, this was unacceptable.
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| 12/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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On or around XXXX XXXX XXXX XXXX, I had extreme pain in my mouth due to XXXX XXXX. I called the nearest dental service near me. XXXX XXXX XXXX XXXX, in XXXX, New York. After x-ray 's the dental assistant explained how serious the XXXX in my mouth was and can cause me to die if left for another day. She told me that I needed XXXX XXXX graphs and an XXXX XXXX treatment. She also made clear that my insurance wouldn't cover the procedure. She told me about the total cost for the procedure was XXXX. I didn't have that kind of money.I don't know what each item cost to equate XXXX. I was then asked if I had good credit. I was working on my credit and at that time it was XXXX. She took down my social security number and left. Some time passed and I was told the dentist is coming to do the work. I asked did I get approved? The lady said yes. I will be getting a bill in the mail in 2 months. The work was done. 2 months passed now I'm in XXXX, and I get an email stating that I'm late. I called Synchrony and explained what occurred and they sent me a copy of the account. 3 weeks later I then received the card with the terms and conditions. I expressed how unhappy I was and how unfair it has been.
I never received 1. The card until I called, 2. The contract that I signed nor the terms and conditions, 3. The TILA, I have no clue what was the XXXX, XXXX. The date its due, 5. The option to shop around for a better deal. I feel like I was targeted and that this company is a predatory lender.
My daughter went to the same establishment to get a similar procedure minus XXXX XXXX and they took down her social security number, came back and told her she doesn't qualify and gave her resources to get it done for {$600.00}. They preyed on me and charged me XXXX. Due to this, I went from a XXXX score to now XXXX. I am suffering mentally and physically. I should've been looking for a home, but I can not with a XXXX score. I can't eat nor sleep because I've worked so hard to build my credit and due to Synchrony/Carecredit predatory lending its destroyed.
Synchrony/Carecredit has reported differently on each of my reports.
Synchrony/Carecredit has an incorrect spelling of my name because they assumed my name from lack of identity. They only asked for my ss # and a name.
Synchrony/Care credit has reported negative
transactions and it's illegal to report transaction history. The reporting is not 100 % accurate, per 15 USC 1681.
They violated the privacy act of 1974, 15 USC 6801, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, verbal, nonverbal communication I may have given per 15 USC 6802., 15 USC 6083, 15 USC 6804, 15 USC 6805.
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| 10/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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Complaint : very, very poor customer service response to simple request to change date of automatic payment I am a XXXX-year old Senior lady on fixed income who is unable to pay the monthly charges on Chevron-Texaco credit card # XXXX XXXX XXXX XXXX, exp. XX/XX/XXXX due to unexpected expenses. The name on the card is XXXX XXXX XXXX. After conversation with a lady Customer Service Representative named " XXXX on XXXX XXXX, XXXX, '' we both decided to close the account and I would repay the Statement Balance : {$7500.00} in monthly payments of {$130.00} from my checking account, due on the XXXX of the month until paid in full ( about 60 months ). My daughter, XXXX XXXX XXXX, will share the payments as she was a user of the card, splitting the monthly bills.
As it would be easier in planning a monthly budget, I decided to change the payment date from the XXXX to the XXXX of the month. Today, XXXX XXXX, XXXX at around XXXX XXXX XXXXXXXX XXXX time I called Chevron-Texaco at XXXX XXXX ) XXXX and got a female-voiced robot that had trouble understanding me when I asked to speak to an " agent '' " representative, '' " human being, '' etc. The only way I could get the robot to connect me to a person was to use some bad words.
The robot connected me to a woman who gave me her name which I forgot to note. She had a foreign accent and was working from home as I could hear a dog barking in the background. I asked her to change the payment date from the XXXX to the XXXX and she was only able to change it for XXXX. Apparently, XXXX XXXX XXXX XXXX was NOT her first or XXXX language and even though I made my request very clear, she failed to comply with my wishes, blaming the " system '' as a phony excuse. I am sorry to say, I was not very polite to her because I was angry that instead of trying to fix the problem, she gave me excuses instead. She had the nerve to tell me to " call tomorrow '' when I was within the time Customer Service is available on week days ( XXXX XXXX. to XXXX XXXX XXXX ). I ended the call by hanging up.
I feel I have a legitimate complaint against Chevron-Texaco customer service because : 1. ) A non-human robot continuously ignored and interrupted me, refusing to understand my request to speak with a person until I used bad language.
2. ) When finally connected to a person, I got an individual who used one excuse after another to explain why she could not make a simple change. I am not asking for a reduction in payment, but just a change for the automatic withdrawal from the XXXX to the XXXX of each month.
If you wish more information, please call me at ( XXXX ) XXXX and follow the instructions of my phone robot ( placed on the phone as I was getting up to 10 junk calls a day ).
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| 11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Previous Complaint Number XXXX - was closed due to Synchrony Bank responding.
Update : On XX/XX/XXXX, I missed a call from XXXX XXXX. I returned her call within an hour and left a message. I continued to call her for the next several days, always leaving a message. I received a letter stating Synchrony bank admitted the mistake and was going to take actions to correct it. I sent the letter to my lender to order a rapid re-score. They declined the request due to the letter not meeting the requirements of the credit bureaus. They are requesting a revised letter that does not have future tense verbiage. They'd like a copy of the request sent to the credit bureaus.
I called XXXX XXXX today and left her another message. I also went on-line and gave a report on the previous case number. I am in escrow to buy two properties and need to have this resolves asap.
Previous Complaint : On XX/XX/XXXX, I applied for a mortgage and if this is not resolved, I will be declined due to an account misreporting on my credit report. Late last year, XX/XX/XXXX or XX/XX/XXXX, I paid off a XXXX charge card in full by contacting the creditor directly and making a payment with their representative. During this time, I had also purchased a new home and moved to a new address. I confirmed during over an hour long string of conversations with Synchrony Bank ( XXXX change card service provider ) that the creditor had received a XXXX XXXX return and that they never updated my account with the correct address to properly notify me of an amount due. I was never contacted via telephone or mail that there was a balance/charge on this account. The charge appears to be an annual service fee or some known charge based on the credit report I was able to review with my mortgage broker. My broker and I conferenced called the creditor at the number provided by the credit report : XXXX XXXX XXXX. We were then transferred and disconnected to another department XXXX. We were on the phone for over an hour, transferred to several representatives that continued to say sorry for their mistake, but could not resolve the issue. Then we were told to call the account resolution department at XXXX. This department then informed us that they no longer have access to the account and that we need to call XXXX XXXX at XXXX. The following morning, I called XXXX credit and was told it takes three days to " unlock '' the account so they can speak to me about it. Today, I called XXXX credit and they confirmed they purchased the account on XX/XX/XXXX. They gave me a balance of {$57.00}, which I have decided to pay immediately as to not further damage my credit.
XXXX credit is not currently reporting the account as of the report pulled on XX/XX/XXXX.
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| 05/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXXXXXX SYNCBXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CT XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency, has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
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| 12/17/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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On XX/XX/XXXX I noticed that two payments were made on my Amazon synchrony bank card. I called synchrony bank and asked if I could be refunded one of the payments I made. I was told from synchrony bank that its a credit on my account and it would take over 30 days for me to receive a check, I told the rep that I would make a report with my bank that it was not a authorized transaction. I went to my bank and made a report but I was told because it was an ACH transfer, I will have to go back to synchrony bank. the next day I called synchrony bank and requested a check. I was told by the rep that it will take 7 to 14 days not 30 days to receive a check. I verified my address with the rep, to ensure i will receive my check. that following Monday XXXX XXXX sent me a email saying they were able to get one of the payments I made back from synchrony bank. I then tried calling synchrony bank two times I was told on the phone by the rep that they were unable to hear me. I than used their online chat option. I was told by the rep that he will resolve getting my check not issued. I noticed the next following week that I got a letter from synchrony bank saying that my transaction was reversed. When I looked at my account I noticed it was {$230.00} the check that I requested for them to stop they decided to still send so now I called the rep and ask for a stop payment on the check and for my payment to be applied back to my account I was told from the rep that they were unable to do that. I was able to get a hold of a manager and was told by the manager that she put a stop payment on the check and I would be refunded in seven days I notice that on XX/XX/XXXX that I had received the check from synchrony bank. I called the rep and ask for my payment to be applied back to my account, but I was told by the rep that my payment would not be able to be applied to my account because she could not stop the check i told the rep the Check was already stopped from a manager and I was left on hold when she came back she told me she put a stop payment on the check and that it would take 30 to 60 days for me to get my refund. I told the rep again a stop payment was already put on the check from the manager and that it would take up to a week for me to receive my money. I ask the rep to transfer me to a manager. I was transferred to a manager and was told that stop payment was put on the check and that it would take 14 days for me to receive my refund. Ive talked to five reps and two managers and each one is telling me a different story I would like my payment to be applied back to my account because the check is destroyed and stop payment is placed on the check Im getting different responses, and I am left unsatisfied
|
| 05/22/2023 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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FCDPA 805 ( b ) FCDPA 808 ( 1 ) FCDPA 807 FCDPA 807 ( 6 ) We used to live at XXXX XXXX XXXX XXXX XXXX XXXX.
This collector was sending collection letters to the above address when we no longer lived there. The Landlord/Homeowner of the previous address wrote " Does not live here '' on front envelope and returned the postage.
XXXX then responded asking for an update on my current address and was sending mail to my new address before I had submitted a change of address with the USPS, how was this information obtained?
Second issue is XXXX has illicitly refused to work with PayPal in correcting this. I had reached out to PayPal asking as to why I had a collection against me as I had stopped trying to do XXXX and had requested PayPal decommission my account. They never did. A unauthorized Charge for {$9.00} was submit to my PayPal account and as I had no money in it with orders to close it then processed to PayPal credit.
PayPal never sent any notification or Correspondence. This whole time I didn't know I still even had a PayPal account until I got a collection letter from XXXX for {$270.00}.
The original {$10.00} charge had sat accruing fees until is reached the insane amount it is. I was never notified, never given a chance to pay, they hid this from me.
When talking to a PayPal rep I was notified that when an account is " Charged off '' it is no longer in the merchants interest to pursue, but if the debt buyer is willing to cooperate then the issue may be returned and resolved between the merchant and consumer.
The 3rd party collection agency will not return it to PayPal as the rep had stated and I would have to " take it up with them '' So I don't understand how PayPal can violate the FDCPA by racking up fees and late charges on an account I ordered to be closed with a {$0.00} balance and {$0.00} in debt then avoid liability by selling it off for a comprehensive {$270.00}. I have contacted the Collector and spoke to a supervisor woman ( XXXX or XXXX ) who told me they do not care about the circumstance and that I owed {$270.00} or I can just leave it and my decision will reflect on my credit..
I believe they have violated the FDCPA because they showed XXXX the purchase of debt, but can not provide the original contract or proof that I agreed to all these fees and upcharges.
They also do not have a California License number and still do not at the time of sending these letters They still have inaccurate information as my address has changed again and they are disputing the account with an address I havent lived at for over 5 years. I am uncomfortable directly communicating with this collector after their behavior and renegade path to retribution. Way out of bounds here
|
| 06/20/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Servicemember |
|
A CareCredit account was fraudulently opened on XX/XX/XXXX. Someone stole my wife 's identity ( name, address, social security number and birthdate ) and used that information and my wife 's good credit history to open the account on the CareCredit website. On XX/XX/XXXX, a second user was added to the account and the mailing address on the account was changed. My wife was never contacted for either of these transactions. In XXXX, XXXX the second account user was able to charge more than {$10000.00} of XXXX XXXX services to that account. Again my wife was not contacted. Monthly statements were sent by Synchrony Financial throughout all of XXXX to a person with my wife 's same name but to the address which was fraudulently added after the account was approved. My wife was never contacted for payment at the address originally used to open the account. Synchrony was never paid and they wrote off the account in XXXX, XXXX and sold it to a collection agency. Again they never contacted my wife. In XXXX the third party collection agency sent a collection letter to our home address ( the address originally used to open the account ). We immediately opened a fraud investigation at both the collection agency and Synchrony. Synchrony informed my wife by letter on XX/XX/XXXX that the investigation is closed and she is absolved. On XX/XX/XXXX my wife sent a letter requesting a copy of the original account application plus documentation of all subsequent account changes. We have the post office 's return receipt dated XX/XX/XXXX showing Synchrony received this request. We have called Synchrony 's customer service, fraud and investigation department dozens of times and been assured we would receive the requested information within 60 days. That time is now past. Yesterday when we called again to see why we have had no feed back, we were informed by the Synchrony Investigations department that this information sometimes can not be provided " for security reasons ''. I also made a request for feedback on the CareCredit website on XXXX XXXX and have gotten no response from Synchrony. I was previously informed by the Synchrony Fraud team that Synchrony would not prosecute the perpetrator of this fraud, despite that fact that they have her name and address. They will seek to recover their loss under their fraud insurance coverage. Synchrony 's actions in allowing this credit to be approved, amended for a second user and then go uncollected without ever contacting the person whose identity was used has resulted in a deterioration in my wife 's credit history with all three bureaus. In addition, their refusal to provide the requested documentation is preventing us from bringing the perpetrator to justice.
|
| 12/20/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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At the beginning of XX/XX/XXXX, I utilized a credit score feature on my online banking and noticed that my credit score had dropped significantly. I requested my credit reports through XXXX and noticed that there was a delinquent credit card from Synchrony ( XXXX credit card ) reflecting on my credit reports. I have no recollection of applying for this credit card and I was under the impression that this credit card was solely under the name of my ex-boyfriend and that I was not joint on the credit card. Any other credit cards my ex-boyfriend had I was only an authorized signer and not joint so I thought this one was like that as well. I disputed the credit card through XXXX and received notification back on Thursday, XXXX XXXX and they notified me that it was updated but the credit card was not removed.
My ex-boyfriend and I had split in XX/XX/XXXX and at that time he had informed me that he was going to file bankruptcy. I requested that any credit cards of his that I may be an authorized signer he remove my name from. He then proceeded to contact all of the credit card companies to remove my name. He had contacted Synchrony in XX/XX/XXXXand he was told by a representative that I was not on the credit card.
When I noticed that it was on my credit report, my ex-boyfriend contacted Synchrony once again on Friday XXXX XXXX and they informed him that I was in fact on the credit card as a joint. He had requested they provide documentation proving that I gave my authorization to be a joint on the credit card and they refused to provide it to him.
I then sent in a secure message to Synchrony on that same Friday introducing myself and explaining my situation. I requested proof that I gave my authorization to be joint on the credit card and they responded back on XXXX XXXX with no documentation. I sent another message that day again requesting proof and they responded on XXXX XXXX with an attached periodic statement forXX/XX/XXXXwith my name on it but still no proof that I made a request for or authorized for this extension of credit.
I am really trying to resolve this issue as it has been reporting delinquent for XXXX, XXXX, and now XXXX and has had a significant negative impact on my credit score and will continue to impact my credit negatively until this is resolved. Given this impact, my decision to only be an authorized signer on his credit cards, Synchronys confirmation inXX/XX/XXXXto my ex-boyfriend, and the absence of any other negative reporting I am confident that this is an error on Synchronys part. However, I am willing to accept documentation that shows that I indeed requested this extension of credit, which I have not received despite four attempts I have already made.
|
| 12/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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In XX/XX/XXXX, I received a bill statement for about $XXXX charged to my HHGREGG CARD that is finance through Synchrony Bank. I was alarmed and called the number in the bill statement to request information n about the charges because I have not done any purchases. The person I spoke with give me information she told me the charge was made for things for a baby’s room in the state of Georgia. I told her I did not recognized the charges nor that I live in Georgia so she suggested putting in a dispute. I also was afraid more charges could be made to my credit card so I requested to cancel it. After I cancelled my CARD I was transfer to the fraud department to make a dispute report to start the investigation. Thereafter I waited for a response and I did not received feedback from them therefore, I assumed everything was resolved. In the begging of XX/XX/XXXX, I received a court order from a creditor that I need to pay $XXXX, which I am, assuming is the amount owed with any charges the account has accumulated. I immediately called the creditors (XXXX XXXX XXXX) to see how I could resolved the matter in the best way possible. They told me I need a Fraud or Identity Theft, a Police report and Fraud Affidavit. I did submitted the Identity Theft and Police report to XXXX XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying that they could not accept the documents I submitted because I did not have the details such as Credit card Number, amount of purchase and what was purchased. Since this happened in the beginning of either XX/XX/XXXX or XX/XX/XXXX, I canceled and destroyed the credit do to the fact that it was not something I purched I did not keep bill statements or other documents to provided them with that information. I called XXXX on XX/XX/XXXX to let them know I did not have any details of the information they requested that if they could please provided or let me know what I could do. They answered that they could not help me because they were not allowed to share that information with me. They told me to contact HHGREGG (Synchrony Bank) to request that information. I did called Synchrony bank on XX/XX/XXXX, to request the details of the purchases such as, credit card number and any information requested by XXXX XXXX XXXX. When I called Synchrony Bank, they told me they could not help me either. To make matters mores they did not even had a record of my dispute report, which I had put in place in XX/XX/XXXX. The only thing that I could do was to write to them to request that information. I did write to them at a PO BOX given to me however, I have not received a response. I do need this information to resolve this matter because I have court order on XX/XX/XXXX.
|
| 12/22/2016 |
Yes |
|
- Credit line increase/decrease
|
|
Web |
|
|
A few months prior, I had major XXXX to remove XXXX from a XXXX. During this time, I missed XXXX payment on XXXX of my Synchrony Bank issued credit cards. When i became stable enough to rectify the concern, I called the bank on the accounts and spoke with the customer service representatives to address late payments, reporting and render payment. My issue with this bank in particular is this ; since that time synchrony has systematically lowered credit limits on every account that i have with this bank. This is done as a tactic to harm the consumer, it is done in manner where the new limit is a couple dollars above the credit balance which in turn effects utilization ratios to appear that the card has been maxed out. When the utilization is within a few dollars of the limit, the action affects the individuals credit score dropping it drastically. If a consumer is unfortunate enough to have multiple cards with this particular lender, they are ALL decreased to dollars above any balance whether or not you have had unforeseen circumstances that result in a late payment on them or not. This action was taken on my cards with this provider that had no late payment during the XXXX time frame as well as the XXXX I mentioned earlier. When i called Synchrony today, i was given non useful information on appealing or disputing a credit report listing. It was not applicable with this credit line as it was XXXX that was not impacted with a late payment. The representative then advised me that Synchrony does regular credit report checks on card holders, etc. I know that not to be the case however until the recent events that affected my payments came to light. I am very aware that businesses have to protect their bottom lines, it just seems that everything done is at the worst possible outcome for the consumer. They are very willing to open multiple accounts and charge higher interest rates for their store branded issues because it is in their interest of profit. When they took over my GE accounts, they even just dropped the card security feature without my knowledge. When I called a few weeks back the representative confirmed it dropped off when account changed over. Never any help with how it could be rectified, just an apology and a credit for a late charge. They even offered to remove late payment report, I have yet to confirm it however. Despite all that has happened with the late payment and reporting, the worst and most harmful has been this banks systematic approach to decreasing my score by maxing out every trade line i have with them. None of my other creditors have done what this bank has done to me. This is not a type of company i nor any other consumer should want to do business with.
|
| 01/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a credit cart though Venmo. On XXXX the XXXX I made a payment of {$170.00} to pay my balance in full. On XXXX the XXXX two charges of {$170.00} were taken from my checking account and applied to my credit card balance. Upon inquiring about the duplicate charge they said that they would fix it and would refund me the {$170.00} that they took out of my bank that was an error on their part. Instead of returning one of the payments made to my credit card balance, they instead applied two charges of {$170.00} to my credit card balance. When I called about this they are now saying that my bank is claiming that I had insufficient funds and that is why they applied two charges back to my card. This is false as I provided them a copy of my bank statement showing where they took out two payments on XXXX the XXXX for {$170.00}. So now they are claiming that I owe them {$350.00} when in fact they owe me that much back including the double payment. They then charged me a {$29.00} late fee on XXXX the XXXX claiming I failed to make a payment that much.
I have called Venmo multiple times and they still claim that I owe them {$350.00} when in fact they owe me that amount because they charged it to the credit card.
So to summarize. I made a payment paying the credit card balance in full of {$170.00} which came out of my bank account on XXXX the XXXX. They are claiming that they payment was rejected by my bank and charged me back {$170.00} to my credit card as well as keeping the payment that was completed for {$170.00}. They then took out another charge of {$170.00} the following day which cleared by bank on XXXX the XXXX as well. They claim that payment was rejected by my bank so they added an additional {$170.00} chargeback to my credit card. They then proceed to charge me a late fee on XXXX the XXXX for {$29.00} claiming that I did not make a payment when in fact I payed the entire balance off in XXXX which was {$170.00}. So currently my credit card balance is {$380.00} more than it should be. I have all made a dispute with my bank for these charges as well.
Attached are screenshots from their app as they do not have downloadable statements showing the double payments and the chargeback along with the Late Fee charged on XXXX the XXXX. I have also. attached my bank statement showing the two electronic withdraws on XXXX the XXXX that correspond to the payments they took out two for the amount of {$170.00}. If you see on the screenshots they applied the two payments but they also applied chargebacks for the same amount for which they are saying were applied because my bank refused payment when it clearly shows on my bank statement that both charges were taken out of my account twice.
|
| 08/08/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
1. Tried to log on to website mysynchrony.com but was not able to get through due to account number not matched with username. Username was recovered through matching account number. Tried to reset password but was denied and was asked to recover password by asking security questions. 2. Password recovery was unsuccessful so called customer service. 3. Customer service could not match last four social security number with account number on file. I asked the representative what information was on file but she denied. I gave her my wife 's last four social security number as well and was still unsuccessful to get through. She also states that she was not able to reset my password without the correct social security number provided so she recommend that I send her a photo copy of my driver 's license and social security card to their office. 4. I told her to let me find out more information and will call back to arrange payment. 5. Two days later, a representative calls my boss looking for me to arrange a payment. So it was curious to me how they have my boss as a contact and not me on file. I spoke to a representative and they denied ever calling my boss. They said their was n't a phone number on file. I asked what information was on the profile because they have spoken to me and my wife within the past 3 days and was never asked to update our profile on their end yet they have access to contact my boss to arrange a payment. Never once did me or my wife, the account holder, was contacted by phone. 6. The representatives are confused over simple questions and can not answer any question. Only reply from them is " I am not able to release that information to you '' or when asked to speak to a manager they tell you " they can not help you ''. 7. I have had this account for almost 2 years and was never late all of sudden I can not access my profile online on their website. Can not speak to anyone on their end to reset my password or to get information on what is social security number is under my name. Yet they have the information to get a hold of my boss to ask him to arrange a payment. 8. I fear this company does not have the correct information under my name and my wife 's name. Also the person who has the social security number on my profile may report identity theft and we will be accountable because syncrony bank has the wrong social security number on file under my name and my wife 's name. I have paid off all the balance and closed it on XX/XX/2017. When asked by the manager over the phone as to why I wanted to close the account, I stated " you have poor customer service and you have the wrong information on file ''. I was given a reply that those were not an option I can give.
|
| 02/24/2017 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
Older American |
|
XX/XX/XXXX my daughter and I traveled to the XXXX Clinic from NJ. While there, for the first time, I opened an XXXX acct with my TJ Maxx credit card ( Synchrony Bank ). We used the service several times for which I paid in full. During the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the XXXX acct was used fraudulently running up over {$800.00} in charges. I reported the fraud to Synchrony and they opened an investigation. After 3 months I began receiving calls from Synchrony saying my account was delinquent. Again I called to say this was fraud so they opened another investigation. Once again after several months I received a call from Synchrony to say my acct was delinquent. Yet again I went through the Fraud Dept and the Investigation team. I was told my fraud claim had been rejected because I did business with XXXX therefore it was my responsibility to contact XXXX with my fraudulent claim. I have attempted to contact XXXX without success. There is no telephone number nor address to contact. On the their website a web address is provided XXXX. I have in vain sent info describing this incident. After submitting it a several days later a notice comes back saying that it was not received. I can not begin to tell you how many times I 've tried to submit the information to them. In the meantime I have been sending money to Synchrony to protect my credit worthiness. It occurred to me that perhaps Synchrony had a contact that they communicated with or perhaps they also had the issue I was experiencing- not being able to contact XXXX. Today, XX/XX/XXXX, I received a phone call from Synchrony advising me that my account is past due. This time I asked Synchrony to show me actual proof that they did contact XXXX and if so I would like that info so I may get in touch with XXXX. After being switched to the third individual I spoke to XXXX who was an account Manager of Fraud Investigation. Donie was agitated and could not answer the question : who did Synchrony contact at XXXX? I need proof. XXXX said that info was not provided. XXXX said Synchrony had asked me to provide new information. I explained I was never asked to provide new information. Specifically what are they asking for. Once again XXXX could not provide answers. XXXX said this was my responsibility and the investigation had concluded. I asked to speak with a supervisor to which XXXX responded there are no supervisors. I asked for an employee id number to which I was told there were none. I challenged that so XXXX gave the following # XXXX. After 43 min of being on the phone I was put on hold and eventually disconnected. NEVER WAS I INFORMED THAT I COULD CONTACT CFPB IF I DIDNOT AGREE WITH THE CONCLUSION OF THE INVESTIGATION
|
| 04/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
In XX/XX/XXXX I received a credit card bill from XXXX/XXXX XXXX with a charge of {$2100.00} I have never opened an account with this company or shopped at a XXXX. While it was addressed in my name and with my street address but the area was not put s the correct one.
I called XXXX XXXX and reported the fraud. The gentleman I talked to said he would open the fraud case and they had a XXXX fraud liability. He recommended that I also alert the credit bureaus and report the identity theft to Identitytheft.gov. I did that and I reported it to XXXX, who also alerted the other two credit reporting companies, and enrolled in XXXX to give me alerts and lock my accounts from inquiries. I didn't hear anything more back from XXXX XXXX so I assumed the problem was taken care of.
OnXX/XX/XXXX I received another statement from XXXX XXXX with another charge for {$2100.00} but with a different account number. I immediately called to inquire about this new account. After being transferred several times an account manger told me that they had denied my fraud case and that they had sent me a letter informing of that. I never received any letter from them denying my claim or any forms requesting more information. She then said they denied it because after the account was opened they received a call from a phone number asking for them to increase the credit line and it was showed as the same phone number I called from to report the fraud. She refused to give me the address or phone number of the actual XXXX where the purchase was supposed to have been made and could only tell me it was in XXXX XXXX, which I have no idea where that is and she wouldn't even let me know what state it was in. Whoever opened the account clearly has all my information and according to XXXX I would of been one of the people who was affected by the breech. I do not know how they managed to make it look like it was coming from my phone.
I originally thought that since XXXX XXXX claimed they were doing the fraud investigation and I had already reported it to the Credit Bureaus and Identitytheft.gov that this would be taken care of by XXXX XXXX. They did not mention my phone number had also been compromised and since I never received any of the letters they claimed to send and their representative refused to be helpful and provide me with information of the purchase so that I could ask for records of their claims I don't see that they were carrying through with the fraud investigation as they were supposed to. I have updated my FTC report, filed a police report and I have pulled up my phone records from XX/XX/XXXX/XX/XX/XXXX. The only call to the bank number was on XX/XX/XXXXwhen I called to report the fraud originally.
|
| 02/24/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I opened a XXXX rewards account through Synchrony Bank in XX/XX/2021. On XX/XX/XXXX I paid my balance of {$86.00} but Synchrony insisted they never received it. So I paid {$86.00} again on XX/XX/XXXX to make sure I didn't incur late fees/interest charges. I made several phone calls trying to sort this out with Synchrony and they finally acknowledge both payments. Because I had made additional charges, the second payment of {$86.00} was applied to those charges, but I still had a credit balance of {$39.00} on the account. I asked Synchrony to please close my account and send me a refund check for the {$39.00}, which they did in XXXX. But in XXXX, they suddenly decided that they had never received the first payment of {$86.00} - even though I sent proof of the two payments to them, as did my bank, XXXX XXXX. I have spent the last seven months make repeated phone calls to Synchrony, trying to sort this out. Many times, I got disconnected by them after holding for 30 minutes or more. Every time I called, and I called MANY times, I spent a minimum of 30 minutes on the phone with their representative, having to explain the whole case all over again. They kept telling me that they would have to transfer me to a supervisor/manager to get my account sorted out, but then I would get disconnected when they made the transfer. This happened to me three times in a row the other afternoon. Back on XX/XX/XXXX I was assured that my information had been escalated to a manager/supervisor and this would all be worked out, but it might take 90 days. In the meantime, no finance charges or late fees would accrue on my account. The finance charges and late fees continued to accrue and then this month I received notification that my XXXX credit score had dropped by XXXX points because my account was being reported as past due. I have had excellent credit for the last 17 years and was very unhappy to discover this. I spent many hours on the phone again this week trying to resolve the issue with Synchrony. It wasn't until I called them out on XXXX the other day that one of their representatives finally called me. I am now being told that they have sorted out their mistake and my account balance is zero, but it can take 15 business days or more ( likely XX/XX/XXXX they said ) before my credit report will be corrected because it takes Synchrony that long to report their error. I am extremely unhappy about this whole mess and warning everyone I know to avoid dealing with Synchrony because their customer service is nearly non-existent and many of the people I saw posting on XXXX about them are complaining about their unfair business practices. Many of us are now planning to file a civil lawsuit against them.
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.
Secondly according to the 15 USC 1681.The law clearly states.
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
1. XXXX XXXX 2. Account Number : XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.
15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Sincerely, XXXX XXXX XXXX
|
| 09/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Care Credit/Synchrony Bank card is a card that allows you to pay interest free for a specific amount of time depending on the amount of the transaction.
These are called promotional balances. When you make a payment, Synchrony applies your payment in an algorithm to Promotional purchases and then to either expired promotional balances incurring interest or balances too small to fall under the interest free guideline.
Synchrony does not provide on their statements how your payments are distributed to the aforementioned items. This was confirmed by a customer service representative while attempting to resolve this issue.
The issue began on XX/XX/XXXX when we made our first call to Synchrony to request to pay off all interest bearing items and non-promotional purchase items. We were told this amount was {$2300.00} ( the total balance of our card at this time was {$3700.00} ).
We paid the amount of {$2300.00} which we were told paid off ALL Interest bearing charges leaving only " promotional items '' that were not incurring interest.
Upon receiving our following statement in XXXX, we noticed interest was still being charged on purchases when only non-interest items should have been on the statement. We called to question this and were told on XXXX that the original representative we spoke to on XX/XX/XXXX had " applied our payment incorrectly '' and that they could see that in the history. We were told that they would research and reallocate the funds properly.
The following month we noticed 2 things : - The statement showed on XXXX a tremendous amount of charges, credits, or payments that made no sense. There was no detail or explanation as to what they were doing.
- It still showed interest bearing items being billed which means that they had still not corrected the error.
We have attempted to reconcile this monthly from XX/XX/XXXX to the current date of XX/XX/XXXX.
We have never seen, despite requesting in almost every phone call, a detailed description or synopsis of how our original payment and any subsequent payments after that have been applied.
As a result of not knowing what our true balance is due to incorrectly applied payments, we are questioning our balance for every billing cycle after XX/XX/XXXX.
We request a detailed summary from Synchrony of all applications of payments, fees, charges, interest accrued, and any other attempts by Synchrony to make alterations to our account dating back to XX/XX/XXXX.
We are prepared to pay almost our entire balance at this time, however, since we do not have any confidence that Synchrony is accurately reflecting our balance.
We are sending a certified mail a formal dispute to Synchrony as well on XX/XX/XXXX
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| 05/20/2018 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Company is XXXX XXXX XXXX ( XXXX ).
I have repeatedly asked them to : 1 ) stop calling me until they provided me with proof of ownership of the debt 2 ) provide me with a document trail ( legal trail ) that they do indeed own the debt and are legally entitled to collect it ( date acquired/how acquired/verifiable proof, not just a comment in a phone call ) 3 ) provide a list of payments made since they acquired the debt 4 ) provide a document trail of other third-party companies ( law firms/private collection agencies ) that they have used to collect payment from me and provide full payment statements from those companies 5 ) complete statement of all payments made and any additional charges that were added on to debt 6 ) stop calling me repeatedly throughout the day 7 ) stop leaving empty voicemails or to leave voicemails 8 ) stop claiming that I am refusing to resolve the debt that they allegedly claim I owe to them 9 ) prove that they are not trying to collect on a statue barred debt XXXX XXXX XXXX claim in their phone calls that I am 'refusing to satisfactorily settle the debt in during ( the ) phone call ... '. This is a statement that THEY repeatedly make in the few calls I have had with them. I repeatedly deny during these calls that this is an accurate statement made by me. It is a statement that THEY are making and then claiming that I have said.
I have not told them that I would not work with them to settle the debt, only that I want legal, verifiable proof that they are legally entitled to collect.
They have not bothered to send me the documentation. They call from various numbers up to five times or more a day, daily. They have now called me on Sunday at XXXX ( XX/XX/XXXX, XXXX ) which is in violation of legally allowed calling hours : " It is legal for debt collection agencies to call you ... and between XXXX XXXX and XXXX XXXX ( your local time ) on Sundays. '' XXXX has sent one document that looked like someone typed it up on a computer, scrawled out some illegible signature with illegible date. Then photocopied it and mailed it. No court stamps or other identifiable, track-able information on the photocopy that could provide legal traceable verifiable proof. No court that I can contact, no cause number, nothing.
I feel they are harassing me and trying to bully and intimidate me into making a verbal agreement with them over the phone before they fulfill my legitimate request for legal verifiable documents from them. I believe that the statement they make that I am 'refusing ' the debt is an attempt on their part to coerce me, bully me, intimidate me and indirectly cause me to feel threatened and an attempt to try to take additional illegal actions against me.
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| 12/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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I have been the subject of identity theft ( thwarted, thankfully ) for much of 2022. I recently applied for credit with Synchrony Bank for a SAM 'S CLUB credit card. I wasn't given immediate approval, and was told " more information was needed ''. I subsequently received a letter in the mail pointing me to a website to verify my identity. There, I took a 5 second selfie-video, and provided a picture of the front & back of my FL drivers license. Again, immediate approval was denied and was told I'd receive a decision in the mail. 7-10 days later I received that letter from Synchrony Bank denying my application for the following reason : " couldn't establish identity ''. I'm dumbfounded -- I provided an actual video of ME, along with state issued government identifcation??
So I responded to their letter asking them to re-open my application as I would be providing them with a multitude of acceptable identity verification documents TO REMEDY THEIR CONCERNS, which included copies of the following : passport, front/back of state issued drivers license, birth certificate, social security card, bank statement with current address, and one credit card showing my Name & Card Number. XX/XX/XXXX, I received a letter back again stating they are denying my application due to " identity concerns ''. Specifically it mentions, " During the verification process we found conflicting information. In some cases, these types of discrepancies may indicate potential fraudulent use of your personal identity information ''.
As most people do today, I use XXXX XXXX & XXXX XXXX to monitor my credit on a daily basis. I also am a subscriber to XXXX, XXXX, and XXXX XXXX and monitor my credit directly on their sites as well. I don't know what else I could provide to verify my identity in addition to the above mentioned documents?
So what concerns me the most and brings me to your Bureau is " WHAT IS THE CONFLICTING INFORMATION THEY ARE SEEING THAT INDICATES POTENTIAL FRAUD USE OF MY IDENTITY '' that results in credit denial?. They refer to private databases that they utilize, which I'm not privy to and able to monitor. Normal denials of credit ( deliquency, score, debt ratio issue ) can be actually seen and understood, and subsequently fixed with appropriate course ( s ) of action. BUT I'm at a loss as to what my ACTUAL PROBLEM is, and have no idea how to fix with any type of appropriate action -- BESIDES THIS???
I'm concerned that If i apply for a more substantial line of credit in the future this could affect me in a more damaging and negative way as well. I'd like to address & fix the discrepancies Synchrony Bank refers to NOW before a time comes when I may need a new car/home.
XXXX XXXX XXXX
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| 12/18/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Problem making or receiving payments
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Web |
Servicemember |
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In the past several years, PayPal , Inc and Pay Pal Credit have become a company which is more about making money and protecting merchants than the consumer. Resolution of cases is limited in description and communication, and most cases are found in favor of the merchant.
Unethical, deceptive marketing and foreign often XXXX companies are not held accountable for any unethical actions including poor refund policies, and PayPal enables this.
When PayPal Credit posts charges to promotions and making adjustments, correctly, just as often there are multiple charges where the consumer pays 2-3x the original charges bc items are posted more than once.
When trying to get resolution either by phone, the ridiculous chat/messaging which literally is delayed due to different time zones in other countries and the consumer never speaks directly with a PayPal customer service rep. I believe the customer service reps are encourage not to handle any consumer complaints.
A new twist on capturing more money and creating problems for its consumers, PayPal will automatically remove money from a balance versus posting to PayPal credit. I posted a payment of funds that was sent to my account for the contribution for a gift. I transferred this immediately. However overnight seemingly, a purchase I had made through XXXX with a subscription that I opened in XXXX ( no way to track subscriptions ) apparently allows this. I never experienced this before now. So that means I have to attempt to reach after funds into the PayPal balance which will take 3-5 days, and fees will likely occur. What Id like to know is how can PayPal interrupt and change my balance which was already going into my PayPal credit as a payment, without my permission? No notification of this change, only that suddenly I only have {$38.00} in my PayPal balance and a {$100.00} payment in transit to my PayPal credit. When I called customer service the credit aide cant see the PayPal side to tell me what happened. I had to wait 18 hours to read an email response of a chat message which was the message that PayPal interrupted my payment bc of this subscription.
This company has oversight by the FDIC and I would hate to think any bank is allowed to function like this or other credit card company. Why are they allowed to function in this manner?
Ive asked for an audit of my account several times without success. I want an audit of all promotions, interest accrued, promotional balances and payments from XXXX until now. I also want the XXXX companies who either didnt deliver items in a timely manner, sent shoddy quality items and ignored my request to ship an order that I cancelled. PayPal rules in the favor of the merchant every time!
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| 02/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Re : CareCredit On XX/XX/XXXX, I had dental work done, and my dentist suggested opening a CareCredit account, since there was " no interest, and I might as well pay off my dental work slowly, with no interest. '' So I opened a CareCredit account at my dentist 's office at that time. My original debt was {$2500.00}.
I set up my CareCredit account for automatic payments from my checking account, and didn't think about it, because I knew there was no interest.
Approximately a month ago, I looked at the balance remaining to be paid on my CareCredit, and was surprised how high my balance was ( {$1500.00} ), considering how long I'd been paying this loan.
I emailed CareCredit asking for detailed information on my loan. A few weeks later, I received statements in the mail for the past year ( 2017 ). This is when I realized I had been paying 26.99 % interest on this loan, for the past four and a half years! ( I learned later I actually paid interest for three and a half years. ) I called CareCredit today and spoke with Customer Service agent, XXXX. I explained the situation to him. He was " sorry for the inconvenience. '' I asked specifics of my loan. The original balance on CareCredit was initiated XX/XX/XXXX for {$2500.00}. Apparently, on XX/XX/XXXX, the promotional period ended and I began paying 26.99 % interest! The interest I've paid since XX/XX/XXXX ( {$2500.00} ) is more than the amount of my original loan!
I paid the balance off today, and closed my CareCredit account.
In XX/XX/XXXX, CFPB ordered CareCredit to refund {$34.00} million for deceptive Health-Care Credit Card enrollment. The CFPB investigation discovered 1 ) Deceptive Enrollment processes ( " service provider misled consumer '' ), and, 2 ) Inadequate disclosures ( I did not " receive copies of the actual CareCredit agreement, and instead had to rely on the office staff 's oral explanation. '' ) I was a victim of both of the above, however, wasn't notified of a settlement, and wasn't reimbursed.
There was an enforcement action that was ordered to CareCredit. That enforcement action included : " New disclosers to consumers will include improved descriptions of the deferred-interest product, and CONSUMERS WILL BE WARNED IN ADVANCE WHEN THE PROMOTIONAL PERIOD IS ENDING. '' I was not warned or notified! Therefore I unknowingly and deceptively, began to pay 26.99 % interest for three and a half years.
Total interest I've unknowingly paid ( until now ) is {$2500.00}. CareCredit did not abide by CFPB enforcement orders for full discloser given to them on XX/XX/XXXX. Therefore, I want to file a claim to CareCredit, through CFPB, to be reimbursed the full amount of interest I've paid to CareCredit, {$2500.00}.
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| 11/14/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX is a deplorable operation that breaks every rule pertaining to actual debt ownership and legal enforcement procedures.
CASE NUMBER : XXXX I XXXX XXXX submitted a written answer to the above referenced lawsuit earlier this year. I along with the rest of America have been trying to surround a pandemic, and I deserved at least a hearing pertaining to actual ownership of any acquired debt by XXXX XXXX XXXX XXXX. If I was granted at least a hearing I would have demanded true copy ordinality of ownership of any debt acquired by XXXX XXXX XXXX, XXXX. I claim that no such documentation exists in the file contained with your court. XXXX XXXX XXXX XXXX has throughout the last decade ben a defendant on multiple class action lawsuits collecting on phantom debts. If there is not true copy original documentation relating to ownership, then this debt should never have been considered enforceable.
I would be granted relief in a federal court, but there simply is not a {$75000.00} standard on damages. I am however right in my position that this default judgment is unwarranted.
II. LEGAL STANDARD Under 28 U.S.C. 1441, a defendant may remove " any civil action brought in a State court of which the district courts of the United States have original jurisdiction. '' A federal court has original jurisdiction over a civil action where there is complete diversity among opposing parties and " the matter in controversy exceeds the sum or value of {$75000.00}, exclusive of [ *4 ] interest and costs. '' 28 U.S.C. 1332 ; see also Carden v. Arkoma Assocs., 494 U.S. 185, 187, 110 S. Ct. 1015, 108 L. Ed . 2d 157 ( 1990 ). Typically, a defendant must file a Notice of Removal of a civil action within thirty ( 30 ) days of receiving the complaint. 28 U.S.C. 1446 ( b ). However, where it is not evident from the face of the complaint that a case is removable, " a notice of removal may be filed within thirty days after receipt by Defendants... of a copy of an amended pleading, motion, order or other paper from which it may be first ascertained that the case is one which is or has become removable. '' 28 U.S.C. 1446 ( b ) ( 3 ). Additionally, when a case is removed, " all defendants who have been properly joined and served must join in or consent to the removal of the action. '' 28 U.S.C. 1446 ( b ) ( 2 ) ( A ).
I demand the vacate of the default judgment and I will take this insult to the Texas judicial system to the Federal Trade Commission and the Consumer Financial Protection Bureau. The law firm involved in this injustice will have to answer to the Texas Bar Association.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
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| 08/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was a victim of identity fraud.
I checked my credit report in early XX/XX/XXXX and found XXXX listed 2 hard inquiries ( XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX ). XXXX listed 1 ( XXXX on XX/XX/XXXX ). On or about XX/XX/XXXX, I called XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I froze my credit with all 3 reporting agencies, and explained the situation with all parties affected/listed above.
XXXX, XXXX, and XXXX quickly verified it was fraudulent due to the address not being correct. All 3 of them said that they would send a letter to the 3 credit reporting agencies, and I would have the hard inquiries removed from my credit report in 30-90 days ... this was 5 1/2 months ago ... and they are all still showing.
On XX/XX/XXXX, I contacted XXXX who said they never received anything from XXXX and that there was nothing they could do. They directed me to contact XXXX again. I immediately contacted XXXX again. XXXX stated that they sent the letter when I called them in early XX/XX/XXXX, but that they will fax it again. XXXX also sent me a confirmation email ( which I requested ).
On XX/XX/XXXX, I contacted XXXX again to see if they received the letter from XXXX ... XXXX stated that they had not. I asked how I could submit the letter of proof that XXXX sent me ... they refused to give me anyway to accept it. Instead, they told me my only option was to call XXXX again, and have them call them ( XXXX ) explaining their determination. I called XXXX again, and they said there is no such number to call, and all they can do is submit the letter again to XXXX. As a side note, I was " disconnected '' from XXXX 3 times ... taking me 30+ min each time to get a representative on the phone. I was " disconnected '' from XXXX as well, and it was 58 min before I spoke to a person for less than a minute, only to be transferred and have to wait for roughly 10 more minutes.
On XX/XX/XXXX, I contacted XXXX again, and they told me that XXXX and XXXX never sent them a letter. The representative stated that he can file a dispute, but unclear what, if anything, will transpire ... since they too haven't done anything since becoming aware in early XX/XX/XXXX.
Meanwhile, I need to apply for credit soon, and all these hard inquiries have a negative impact on my credit score. I have spent the better part of 3 days over the course of 5 1/2 months trying to resolve these inaccuracies, only to be told by the businesses that they did their part and it's the credit reporting agencies fault. While at the same time, being told by the credit reporting agencies that it is the businesses fault for not submitting anything.
I am stuck with no recourse to straighten any of this out. Please help!
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| 04/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
Older American, Servicemember |
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In XXXX and XXXX of XXXX, we purchased several appliances for our new home from XXXX totaling {$9200.00} ( receipts attached ). The sales person offered interest-free financing for five years and 5 % off of the total purchase if we opened a GE Capital credit account and made payments directly from our checking account. We were prepared to pay for the appliances in-full, but were lured into this predatory plan. We opened the account and financed {$6600.00} of the purchase. For five years, the direct payments have been made out of our checking account, as required. This week, we looked at the online account, expecting the balance to be at or near zero. We were outraged to see that the remaining balance was {$4700.00} ( statement attached ). In addition, we saw that they were charging 29.99 % interest and that at this rate, it would take 19 years to pay off the balance. This is not what we were lead to believe nor is it any type of plan that we would have accepted.
We have no way of knowing how much we have paid over the years in interest since the online statements only go back a year ( document attached ). We see more confusing information on the attached statement under the Transaction Summary then inside the XXXX Totals Year-to-Date section that the Total Interest Charged in XXXX is {$370.00} and below that the Total Interest Paid in XXXX is {$530.00}. In addition, the activity report ( attached ) is confusing because it shows the timing of payments and interest charges several days apart. Why is this?
We initially set up the automatic deductions from our checking account so there would never be a missed payment or ding on our credit report. The description of the plan was not presented accurately. The information online is incomplete. The whole situation is predatory and designed to mislead customers into a financial trap.
We immediately paid off the balance to stop the robbery and looked for a way to recover the money lost to their misleading program. The plan was misrepresented to us. The terms were not followed as represented. There have been no paper statements nor mailings to provide a status of the account or to inform us of any charges. Even if the mailings were sent to our previous address, they should have been forwarded to our new home address.
XXXX went out of business shortly after our purchases, so we couldnt go back to them. We saw on the CFPB site that there are many other consumer complaints of the same nature against XXXX GE Capital, and Synchrony. After the way GE Capital and Cynchrony have treated us, there is no trust remaining to ask them for help. Therefore, in pursuit of quick resolution, we have chosen to bring this matter directly to CFPB.
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| 10/17/2023 |
Yes |
- Credit card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX I noticed that Amazon had been changing my Amazon Store care for a prime membership that was not my prime membership. The additional prime membership that was being charged to my card was a monthly membership while my personal membership is and has always been a yearly subscription. I did not note these charges initially on my store card because the statements were hard to decipher and rather than providing line items it would just state Amazon charge. Recently this was changed and I was able to note the charge.
I reached out to synchrony bank who holds the amazon store card and was able to determine that this fraudulent activity started on XX/XX/XXXX in the amount of {$13.00} on a monthly basis on XX/XX/XXXX the amount increased to {$16.00} this came to a total of {$630.00} in fraudulent charges. Upon speaking with the bank they stated that I would need to ask for the refund from amazon directly.
Calling into Amazon I spoke with a representative named XXXX, after much discussion XXXX advised that she would be refunding the full {$630.00} to my amazon store card but claimed that she would have to refund it in batches. I did confirm multiple times that I would be refunded for the full amount over the recorded line. XXXX stated that I would receive a confirmaiton email and stated the funds would be in my account within 5-7 days.
Today XX/XX/XXXX I checked the account and noted that 13 transactions in the amount of {$16.00} were refunded back to my account for a grand total of {$200.00} which left me short of the total amount promised by {$420.00}. I called XXXX to report the descrepency and spoke with a representative named XXXX who stated they did not have access to the call and escalated me to XXXX. XXXX claimed she listed to the call but stated they could not honor what XXXX had previously promised me and that I should contact syncrony to dispute the charges. I continued to ask extremely pointed questions which eventually lead XXXX to reveal that she in fact had not listened to the call, refused to let me speak with anyone else despite the fact she had been dishonest throughout the conversation. I asked for the subpeona address and ended the call.
I called syncrony bank to dispute the charges as fraudulent and spoke with XXXX who did flag all of the charges and stated a new card would be opened but their research can take up to 60 days. I attempted to inquire how this could not have been caught as there should not be anyone with two amazon prime memberships. XXXX transferred me over to a manager named XXXX who did confrm that there was no such safe guard in place for consumers and that the issuance of a new card would not create a new trade line.
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| 12/04/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Somehow Automatic payments were turned off by Paypal Credit in XXXX. I do not recall turning them off despite company 's claims. XXXXXXXX XXXX totally could have done it though.
Received statements via email with details about amounts due with links to full statements but included all " details '' within the email itself. I think this is purposefully to keep people from clicking through.
Because manual payments were made for full balance amounts between XXXX and XXXX, didn't think about AutoPay/was under the impression AutoPay remained on, but had a balance to pay of " XXXX ''. These emails also did not indicate AutoPay was off, instead specified only " Manage AutoPay. '' Since I was under the impression AutoPay was on, when I received a statement email of XXXX, and did not make any purchases using the Line of Credit that month, did not think a manual payment was necessary. I assumed AutoPay would handle it. AutoPay did not handle it.
Between payment due date ( XXXX ) and following statement date ( XX/XX/17 ), I did not receive any notification of missed/late payment.
Received following month 's emailed statement, and details included within email did not indicate ANY past due balance, despite covering total balance, minimum due, minimum to pay to avoid interest charged and due date.
Still under the impression that AutoPay was on, I logged on today ( XXXX ) to check my balance for budgeting purposes and was horrified to find that I had a PAST DUE balance that I was completely unaware of. I immediately paid the balance in full, including two " minimum interest charges '' that would not have been otherwise applicable.
This has also now impacted my credit report, despite not being made aware of this balance until today.
Reached out to PayPal via chat, and they could not help me. Called once and was told to speak about credit reporting, I had to talk to customer service ( who I was speaking to? ) Transferred and hung up on.
Called again, first person said I was within 30 day window and late payment wouldn't reflect on my credit report.
Transferred me for more information about notifications and Second person said it would reflect on my credit report. No one had any good response for why I wasn't notified of the past-due amount. They simply stated the XXXX statement indicated a past due balance but had no reasoning why the fact there was a past due balance was not included in the " DETAILS '' section of those emails.
It seems to be a purposeful way to increase their interest charges. ( One XXXX charge has now received 4 dollars in " minimum interest charges '' in two months ) and I'm sure they would have put in a late fee if not for the small amount past due.
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| 08/05/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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- Confusing or missing disclosures
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Web |
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Dear Sir, This may seem a little complicated, but I have three finance plans with PayPal Credit. Two of these are six month finance plans, where the balance needs to be paid off in six months or accrued finance charges have to be paid. One of these plans requires minimum payments and the other does not, which I do not understand. The third plan is a 24 payment plan with no interest. The documentation implies that 24 " monthly '' payments need to be made,
since the plan goes for two years. I sent a " test '' payment, in the amount of {$250.00} to PayPal Credit for much more than the minimum payment of {$77.00} to see how they would apply the payment. Instead of applying my payment to the first of 24 monthly payments due of {$48.00} on the third finance plan, they applied my {$250.00} payment first to the minimum payment of {$29.00} on the first finance plan, nothing to the second finance plan and the remaining balance to the third 24 monthly payment plan, essentially making me pay the first four to five monthly payments on the third payment plan. I have no problem with PayPal Credit applying my payment to the minimum payment of {$29.00}, since this was stated in the email I
received. I do not know why there is no minimum payment required on the second finance plan, which troubles me.
There is no documentation that I could find in the various emails I have received from PayPal Credit and there is nothing on their website to explain how excess payments are applied. Obviously, the main reason is to force individuals to pay off payment plans that do not have a finance charge and to force individuals to pay finance charges on plans that actually expire first. I told PayPal Credit that this is an unacceptable practice and I consider this to border on fraud.
Fortunately, I am a CPA and I am more than capable of paying the entire balance due right now, if I wanted to. However, if PayPal is going to give me the opportunity to take advantage of six month or even 24 month payment plans, I will do that.
My biggest problem with PayPal Credit is that their emails and statements are very confusing and, in m opinion, grossly misleading. Please keep in mind that I am a CPA. PayPal Credit needs to make their documentation a lot more clear and it has to be
consistent and all payment terms need to be spelled out. I am not necessarily doing this for me, because I already know how to play their game. I am doing this for others, who may be stuck in the same type of situation and don't know any better. This is where I would like the CFPB to get involved and start asking the same questions I am asking PayPal Credit. I would like to attach a copy of my letter to PayPal Credit to this complaint.
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| 09/25/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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Please help ... I have done everything within my ability to resolve my billing concerns with XXXX XXXX, including emailing the corporate office. I have not received a response from Corporate and received unfulfilled promises from Customer Service.
I have had multiple store cards. XXXX XXXX, XXXX XXXX Credit Card, XXXX, A credit card used for Health Care, and Walmart. I have always paid my cards on time. About a year ago, XXXX XXXX took over some of the company cards. when calling, the system identifies the customer by the phone you use to dial the customer service number. Unfortunately this has created a nightmare. When I called I was thinking I was connect to one card, but a different card was being addressed. I can not access the bills on line, I can not get them mailed to me, I can not access the bills on line, nor can I find charge ( paper or on line ) One customer service agent told me to use a different phone and then say I did not know my account number when I call and that would assure that the correct bills got paid.
Every month I try to pay I have to call customer service. This started with XXXX XXXX about ago. I took out the card to purchase tires. After a month I did not get a bill. I called the store. They gave me a number to call. I was told it was emailed to me. I made a payment and they waived a fee. I was told the concern was resolved. The next month I called again. I again told them I check my spam, my inbox, my XXXX XXXX and I never received a bill. I was charged late fees. I paid excess of minimum. Then again the next month when I called I was told that no payments were posted and there were late fees. I paid the bill in full and closed the account. This echos experiences with XXXX XXXX XXXX and XXXX. I have finally paid all of my XXXX XXXX cards only to learn that my Walmart Card has been taken over by Synchrony.
Regarding my XXXX XXXX XXXX card for two months I was told that they would correct the address and the concern that was prohibiting me from accessing my online account and to be able to see my bill. For two months this was not done. I have had my address corrected on the account since XX/XX/2017!! The computer does not acknowledge me current information so I can not access this on line. I then learned that the account I was making payments from was rejecting the ACH payment as possible fraud. ( For two months ) I did not know this because I never received a bill or any notice.
Please help ... I have done everything within my ability to resolve my billing concerns with XXXX XXXX, including emailing the corporate office. I have not received a response from Corporate and received unfulfilled promises from Customer Service.
Thank you
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| 07/27/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XX/XX/2021 it started with amazon not refundin a return they recieved on XX/XX/XXXX so XX/XX/XXXX i filed a dispute synchrony bank wasnt doin anythign to try and resolve this onei sent in all my proof they didnt even review it after over 3 months they sidede with amazon until i got nasty but i was fortnuate to find a honest employee who looked it over then i was told id see the credit in 7 days nope more like 30 some days XX/XX/XXXX theres a XXXX charge on my card i was transferred to fraud dept they cancel the card isssued a new also issues XXXX credit XXXX they put the XXXX charge back on tryied sayin i file dispute wrong claiming i filed it as unrecognized wrong so fraud again another new card no credit for XXXX i called 2 weeks later i was told there were no open disputes of any kind so again i had to get nasty, im tried of being lied to i want the XXXX credited back to my account also they have told credit bureaus that i dont agree with their decsision and thats also hurting my credit ive tried many many times to resolve this i get no where ive got many emaisl from amazon and they being nasty over the first dipute i filed sayin they will make me wait longer for refund and i will regret it at first i really felt synchronoy was on my side but no i dont knw what to think my messages in my online acct have been deleted by an employee ive been hung upo on by several employessi been with amazon over 10 years no problemsuntil this year synchronoy liek i said i have no idea what to think iv been good payer never late always pay more than minum and yet this is how i get treated they claim its mistakes on their end but first time i was told it takes 90 days ok they made mistake i had to refile same dispute they say itlltake 90 dasys, no it shouldnt their mistake they can fix itless time than that and now im haviing to record and take photos wehen im in webstie viewin messages just in casae they are deleted againalso i wana just make note of this, because i kinda feel since amazon was revengful when i filed a dispute just in case sycnhrony gets mad about me filin this with you and the fact i been readin up on some bad customer service when a customer has a complint seems businesses are not reverrting to messin up peoples credit to closing accounts that are in good standin and have been in goos standing, so in case i become a victim to revenge due to me filing this i want it noted, if my credit is harmed due to this then im sayin it now i will take offense to it and will pursuethat as well but hopefully you guys can take over for me resolcve this with out any further issues, or reatailiations.i ve tried to get them to resolve this over and over and im gettin no where. thank you
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| 05/11/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act XXXX FCRA ), the Fair and Accurate Transactions Act XXXX FACTA ) and the Fair Debt Collection Practices Act XXXX FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot XXXX XXXX legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice.
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : SYNCB/LOWES XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX
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| 03/16/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I own a XXXX credit card issued by Synchrony Bank. The account number for it is XXXX. Someone other than me made some purchase on the card which I reported to Synchrony n XXXX, Initially the reversed the charges and reissued me a new card. Then the charges reappeared. When I inquired with Synchrony again, they told me that my dispute was declined and when I asked why it was declined, they said because these purchases which required XXXX to send a download link were sent to me and that the softwares were downloaded using my email address. This can not be true for many reasons of which I have outlined a few below.
XXXX. XXXX always sends and email after purchases and follows up with a link to download digital purchases. There are no records of me getting either from them. If I didnt get it, XXXX would have no record of them sending these confirmation emails to me.
XXXX. XXXX always follows up with a phone call after you place an order with them to confirm them receiving the order. There is no record of them calling me around the time when these orders were made. I am happy to submit my bills for the phone nmber that I have registered with XXXX as proof.
XXXX. My XXXX Sales Engineers name is XXXX XXXX. I have worked with him for a very long time. He can be reached at XXXX XXXX XXXX. He ALWAYS calls me when I make a purchase. XXXX and I have talked about these fraudulent purchases and he knows that he never called me to confirm these purchases.
XXXX. I am a musician hobbyist and the most of these purchases that were made, I wouldnt know what to do with them since they are for other types of music composition. There is one purchase that was made for a software and that is a software that I would never need because I have had that for more than a year. I bought it directly from the manufacturer more than a year ago and have proof of it. There would be no reason for me to have 2 software of the same kind. That is like buying an identical version of XXXX XXXX when you already have one.
XXXX. If Synchorny wants to validate that these softwares were never downloaded in my computers, I am willing to give their investigators an access to my LAN so they can check all the computers at my house for records of these downloads only to find nothing.
I have outstanding credit history and an impeccable history with all my creditors. I have credit cards that have 10 times more credit limits that my Synchrony card and had I fancied credit card fraud, I would commit them with these cards. Moreover, if I really wanted these softwares, I can afford to buy them without having to potentially commit a crime and rish denting my history which has nothing except for a few traffic tickets.
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| 04/10/2015 |
Yes |
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Web |
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Care Credit was trying to process a chargeback for a patient for services already rendered and demanded we send them a detailed list of all services rendered for the patient. Our patient 's mother paid for her care plan with Care Credit and our understanding of HIPAA ( TPO ) is that only outstanding debts or current debts are covered in normal exempt transaction, chargebacks not being XXXX of them. Also, Care Credit does not have a direct relationship with our patient, but rather with our patient 's mother, who was present and approved the use of her Care Credit card and signed for the transaction. We tried to reach someone at Care Credit and called over XXXX numbers and left XXXX different messages for representatives. We refused to send the detailed list of services rendered and so the chargeback was issued. Despite numerous attempts to contact a representative that we could speak to about why we were refusing to send the information requested, their response was that nothing could be done, that we needed to send the patient to collections if we felt the chargeback was not warranted. Upon contacting the patient, she stated she never asked for a refund on services already rendered. She simply requested that a late fee be refunded. This patient was informed that unfortunately she would be sent to collections now and that CareCredit said she or rather her mother the cardholder could contact them to lodge a complaint. Our patients ' privacy is important to us. If we perceive an issue to be a possible violation, we inform ourselves as best as possible and always err on the side of caution rather than violate our patients ' trust. After extensive research we feel that what Care Credit asked us to do was a violation of HIPAA policy. We do not have a Business Associate Contract signed with them as the usual transactions performed are exempt. We also spoke to XXXX of their representatives ( XXXX at XXXX on XXXX at XXXX ) who, after speaking with her supervisors, informed us that they would never ask for a detailed list of services rendered because that would be a violation. She also faxed over their policy regarding HIPAA. Care Caredit not only processed a chargeback that was never requested by our patient, but they threatened and followed-through with refunding our patient for services rendered unless we sent information that would have caused us to violate HIPAA law since we did not have a release form from our patient authorizing us to disclose her treatment. Attempts to contact someone were unsucessful and our messages were not returned. If you need any further information, please contact me at XXXX or at XXXXXXXXXXXX.
Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
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| 04/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I have called and called so many times and have asked Synchrony Bank to please provide me with evidence that the disputes, which I have raised with them since my first dispute, have been credited back to me. Synchrony Bank has made it very difficult for me to verify that my disputes have been credited back to me, and they expect me to just take their word for it. In a recent call that I made, the representative told me that she would email me a letter for each of my disputes, totaling 11 emailed letters. I received these emails, but each and every single letter that I opened up was identical. I wanted evidence that all of my disputes were credited back to me. They gave me evidence that one dispute was credited back, and they gave me this evidence 11 times. I called them today, and the representative told me that on her end she could see all the different letters that were emailed to me and that they all mentioned a different dispute. This isn't true. They emailed me the same letter 11 times. If I didn't know any better, I would say they were trolling me. I want evidence that the disputes which I have raised with them have been credited back to me. These letters were all duplicates. She told me she would send me physical copies of each letter. That's fine, so long as they don't send me the same onXXXX 11 times again ; but even then, these letters are themselves not very convenient for me. Why do they need to send 11 different letters? Why can't they just send 1 letter that details all of my disputes since the first one that I opened with them, and the results of each? Why are they making it so difficult for me to verify that my account has been credited for these amounts? If they would send me one piece of evidence verifying that my account has been credited for all of the disputes that I have raised with them, it would make things so much easier for me. Apart from that, I'm pretty sure that I've raised more than 11 disputes with them. Why can't they send me information about the other disputes as well? Why are they limiting it to just XXXX and XXXX? I want to see evidence that every dispute I have raised since my first dispute has been credited back to me, not just the past year. I can't be expected to just take their word for it anymore. In the past when I would call Synchrony Bank and ask about my disputes, they would tell me there weren't any on file, or that this particular dispute that I was asking about was never made. In other words, they only pretended to file disputes for me, and I had to redo the disputes with them and waste hours of my time discussing the same things that I spoke about with a previous representative who only pretended to file them for me.
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| 11/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Sent card you never applied for
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Web |
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A few weeks ago, my husband and I received in the mail what we believed to be replacement credit cards for our XXXX XXXX/Care Credit credit cards. We applied initially for Care Credit a few years ago to help us when we run into the occasional incidents where we have medical, dental, or veterinary expenses that exceed our out-of-pocket financial abilities at that time and the cards are used VERY rarely, MAYBE once every 1-2 years. Anyway, we received two cards from Synchrony/Care Credit that we believed to simply be replacements for our existing cards. The cards had the standard stickers on the front to call and activate them, so I did so and did not encounter anything that seemed out of the ordinary or unusual from any other time I've ever received new cards from any other bank/credit card institution. I believe that the new cards were just that, new cards ( possibly with an increased spending limit, I don't recall ). In the past when I've encountered such circumstances with other such credit companies ( like XXXX XXXX ), a new card or an increase in spending limit does not equate to a whole new account being opened. However, today I received notice from XXXX XXXX ( via a feature that I use to monitor changes in my credit ) that a new account had been opened in my name and it had adversely impacted my credit score. Upon review, Synchrony/Care Credit had closed my prior account with them and had opened a whole new account for me and my husband when I activated the new card. The closing of one account and opening of another dropped our credit scores. I immediately called the credit bureau ( XXXX, in this case ) and reported this issue as a dispute on both of our credit reports. At the advice of the credit bureau, I also called Synchrony/Care Credit to ask why they had closed my old account and opened a new one as opposed to just giving me the new card/increasing my limit on my old account. I was advised, basically, that they had sent me fine print or a " disclosure '' that had informed me this is what they would do. Respectfully, I am a XXXX XXXX XXXX and maintain this designation actively. I XXXX XXXX and XXXX for a living. I am far more savvy and attuned to these sorts of things than the average consumer. So if I fell for this, I imagine many other consumers are as well. I don't think what Synchrony/Care Credit did is honest/ethical and I certainly would not have consented to opening a whole new account with them for a card that I do not maintain a balance on and use incredibly infrequently and only for certain specified purchases. I feel this practice of sending account holders mail that looks like just new cards is a dishonest and questionable business practice.
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| 12/25/2015 |
Yes |
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Web |
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I have moved into a new apartment on XXXX/XXXX/15. On XXXX/XXXX/15 I decided to purchase my furniture from Walmart due to the fact that they were offering a promotion in which the interest on my Walmart Credit Card offered by Synchrony Bank would be deferred for 24 months. I learned that my local store did not have much of the furniture I needed in stock and the promotion was in-store only. I called the number on the back of my card and after speaking to the representative they agreed to make an exception in which they would honor the promotion for an online purchase. On XXXX/XXXX/15 I made XXXX purchases XXXX in-store for about {$300.00} and XXXX online for {$900.00}. I applied the promotion to both purchases and was assured it would work by a Synchrony bank representative. As time passed the {$900.00} was never applied to my card statement. ( Synchrony bank incorrectly marked it as a fraudulent purchase at first, without contacting me, and then removed it from my purchase profile, and locked down my account ) Walmart did not decide to charge me the {$900.00} until XXXX/XXXX/15 almost 2 months after the initial purchase. Since the charge had been removed, and this appeared as a new charge, I disputed the transaction thinking it was fraud, then after speaking to Walmart again begun paying off my balance. ( Walmart had no idea why the balance was never applied in XX/XX/XXXX ). It is now XXXX/XXXX/15 and I noticed that my Walmart credit card was accumulating interest charges. I called the account service again inquiring about why my promotion was not being honored. I spent 35min on the phone and was transferred to XXXX different supervisors. XXXX of the supervisors, XXXX looked into my case and concluded that my interest was charged due to the previous dispute that Walmart never closed for me. ( which was the {$900.00} charge I mentioned earlier ) I became irritated and asked for her to apply the promotion after she told me they currently are running no online promotion. After more time passed she finally agreed to re-do the promo however she dd not refund any of the interest that was wrongfully applied to my balance nor could she send me a confirmation email that my problem was being taken care of ( which is illegal as it violated the terms of the credit agreement that I created when I first opened the card ). All she gave me was her login ID saying that it should be enough of proof that my problem will be resolved. She said the promo wo n't be applied for a billing cycle or two during which I might still accumulate interest. I believe that Walmart has been applying wrongful charges to my account for this period of time and I seek immediate resolution to this issue.
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| 03/05/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XXXX we purchased an adjustable bed frame, but once it was received, we found it would not work for our needs. We contacted Mattress firm, and they told us they could not credit the account until the original order was received back, but they would open another account to place the new order. They said once the original order was received, they would credit and close the original account. That never happened. This debt was paid in full on XX/XX/XXXX. There were some unique circumstances, and we contacted the original debtor ( Synchrony Mattress Firm ) XXXX times after the charges were paid, and were assured that this would be reconciled. Once XXXX XXXX XXXX bought the debt, they did not have access to all of the pertinent information and were unable to assist. Below is a timeline of what occurred and the problems with this account.
XX/XX/XXXX - We spoke to XXXX XXXX with Mattress Firm and placed an order ( XXXX XXXX. : XXXX ) for an adjustable bedframe and mattress, the total charge of {$2400.00}. This account/credit card number ending in XXXX. No interest for 12 months.
XX/XX/XXXX The bedframe was delivered, however mattresses were not. The mattresses would not be available until XX/XX/XXXX.
XX/XX/XXXX XXXX It was clear to us that the bedframe would not be suitable for us, so I reached out to XXXX XXXX XXXX via email to advise. He responded via phone and agreed to accept the return and we ordered the bedframe that would be appropriate ( XXXX XXXX. : XXXX ) XX/XX/XXXX Because the credit line wasnt enough to cover the return AND re-order simultaneously, he ( XXXX XXXX ) advised that we would have to open another credit card. This account/credit card number was XXXX. No interest for 12 months.
XX/XX/XXXX We ordered the correct product and were assured that once they delivered the new bedframe and picked up the incorrect one, that a full refund would be given and that credit line and order would be closed.
XX/XX/XXXX The correct product was received and the original was taken. The new total balance being {$2200.00}.
The original account/credit card number ending in XXXX, was closed. We began making payments on the line of credit ending in XXXX. I will agree that we were late or missed payments, losing the interest-free promotion.
XX/XX/XXXX We received the mattresses to complete the order.
XX/XX/XXXX This charge was paid in full by us in the amount of {$2400.00}.
They are now suing us for a debt we paid 100 % that was wrongly sold to a debt collector by Synchrony bank. We have disputed multiple times over the past 3 years, and contacted all involved multiple times, but no one seems to care that we have proof from our bank account that we paid it.
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| 11/05/2018 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I am writing this complaint to inform you of the deceptive tactics that were used by two collection agencies that were collecting past due amounts for Synchrony Bank.
The first collection agency is XXXX XXXX, who is collecting for XXXX. After missing some payments and receiving emails and letters saying that they can offer financial assistance or a suitable payment arrangement, I finally contacted XXXX back in XXXX.
My past due amount at that time was {$210.00}. I was assuming that this payment plan would get me back on track. I went ahead and agreed to allow XXXX to automatically take payments from my checking account for five months. Those months were for XXXX XXXX with payments between {$34.00} - {$67.00}. The amount I paid for those five months totaled {$280.00}. Since the automatic payments ended on XX/XX/XXXX, I went online and paid {$70.00} for XX/XX/XXXX. Even before my XXXX payment was due, I started to receive phone calls from XXXX again. XXXX then mailed me a letter dated XX/XX/XXXX, stating that my past due amount is now {$240.00}. This is an increase of {$25.00} from the original past due amount from a letter they sent me dated XX/XX/XXXX.
Since they had been calling me several times everyday for at least a month, I finally called them on Saturday, XX/XX/XXXX and asked them why do I still owe a past due amount when I thought the purpose of the payment arrangement was to eliminate the past due amount so that I could get back on track with my payments. I told them that what they did was very deceptive and to not call me again. I also let the person I was speaking to know that I was going to file a complaint with the FTC.
The second collection agency that Synchrony Bank uses is XXXX XXXX, which is collecting for XXXX. My original past due amount back in XXXX of this year was {$230.00}. The payment plan that I was set up for was for six months with amounts anywhere between {$30.00} to {$81.00}. The amount I paid ended up totaling {$400.00}. XXXX sent me a letter dated XX/XX/XXXX saying that my past due amount is now {$260.00}. This is now an increase of {$34.00} from the past due amount in XXXX.
What were these collection agencies doing with the money that I paid them? Why do I still have past due amounts that are now more than the original? Why are these collection agencies saying that they will offer people financial assistance or suitable payment arrangements if the past due amount ( s ) people owe never goes down?
I really hope that the FTC will take action against Synchrony Bank, XXXX XXXX and XXXX XXXX and put an end to their deceptive tactics that are putting me and possibly many others into even further debt.
Thank you for your time.
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| 07/24/2019 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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lost my job in XXXX, contacted XXXX XXXX Credit card that I was a consumer with for almost 27 years, with an outstanding history, wanted them to close account and give me deferment.There is no such thing as deferment in the world of credit cards, only payment plans. Without an income there is no money for a payment plan. I insisted they close the account so not to accrue any extra charges.I had a credit limit of {$7000.00} and was below it!! at {$3500.00} I made my last payment in XXXX when my savings ran out. I sent a dispute letter on XX/XX/2018 when I noticed they lowered my credit line to {$3000.00} from {$7000.00} putting me over my credit limit and my card was still open. They were now not only charging me over the limit fee 's, they raised my interest and were also charging late fee 's Exactly why I asked them to close the card. except I had no I dear that they could lower my credit line to deliberately put me over it to charge me extra unwarranted fee 's, a 27 year customer!!! I then disputed the account with the credit bureau for XXXX reported inaccurate. ( Which is how I disputed it twice. INACCURATE ENDING BALLANE!!! it should have been closed in XXXX, It should not have been over the credit limit!! all late fee 's and over limit fee 's and higher interest rates are inaccurate!!!! making amount owed wrong!!! ) They have it reported that they closed it.yeah they closed it ... .7 months after I asked them to. in XXXX??? that my credit limit was {$3500.00} yet my balance is {$3900.00} NO my credit limit was {$7000.00} and NO my ending balance is not {$3900.00}. Yesterday I receive a reply from them. regarding my last dispute. And that they reviewed my file and believe they have reported everything accurate to the agencies so it will stay as is. I have never not paid my bills. I am almost 60 years old and having a hard time finding a job. I was in CONSTANT contact, paid for 3 months after losing my job when this company did nothing to work with me! and I mean nothing! asking me for over {$200.00} a month without a dime coming in and then to put me over my own credit limit, being spoken to like i was the lowest of life forms, Being told don't worry we'll just sue you!!! to jack up my bill with false fee 's, I don't believe that's any where close to fair debt collection practices. And on top of all this, they close the account as a profit and loss, so they will now use it as a tax deduction ( why cause after 26 years of never even being late on a payment they made a fortune of interest off me already ) and we all know they need a tax deduction to off set all these millions in fake fee 's not only do I think it's against FDCPA i think it should be criminal!!!
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| 02/14/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hi, First, I am a victim of hurricane IAN and lost my home and car and currently displaced 2.5 hours away from home. I have explained this to synchrony bank, in which I have several cards with them and have not been late, even with the devastation I've gone through. They have sent me a notice today at XXXX that my credit limit on my car care credit card has been dropped from XXXX ( I believe that's what it was, down to XXXX ) ..for no reason, I have paid it down from XXXX to XXXX and then they did this. A month or so ago, they also did this to my lowes card. Their reason stated is that I have a recent real estate delinquency and haven't paid down enough of my mortgage loan in the slotted time frame, however, my mortgage is in forbearance due to the hurricane, while I wait for repairs, they accidentally reported it to my credit as delinquent, they have retracted it and I disputed it, but it's takes at least 30 days before coming off and I just purchased the XXXX XX/XX/2022, then the hurricane hot in XXXX and went into forbearance, so of course I haven't paid as much but when I was paying it, I was never late. I am fixing my credit from the mortgage mistake, in which I also have an email from them stating this. I am also TRYING to pay down my credit as I had to use it when this all first happened.but again, I've never been late on any of them. You can look and see if have 100 % payment history and once I'm situated back in my home, I will begin my mortgage payments again.however, they are making my credit worse by dropping my limits. None of my other credit cards have down this only synchrony. I would love to close them all from synchrony because they have treated me so horribly but again, that would hurt my credit.can you please help me. I have tried with them and they don't care. I could see if I was late and not paying, but I am and the fact that they did this as soon as I paid it down to XXXX is disgusting.that was a real low blow. They don't even call a client to see why the issues are, such as my mortgage issue, that was not my fault, it dropped my score and now I'm waiting for all 3 credit companies to remove it, I also couldn't help that I had to use a lot of my credit cards to survive for a bit but again, they are paid ..all of them, on time. Even the car that was ruined and is now undrivable, I still owe on it but I'm paying it. This is just horrible and I can't have this added stress of a credit card company removing limits for no reason, dropping my credit score.more on top of being homeless right now. This is such another example of how bad this world has become when it comes to humanity. Taking advantage and slamming people in devastation.please help
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| 12/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
Servicemember |
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On XX/XX/2023, I applied for a Sam 's Club membership online. On that same day I went to a Sam 's Club, located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I purchased a laptop, which had {$120.00}, Additional Savings, from the original price of {$590.00}. A Sam 's Club employee ( name not visible ), retrieved the laptop from a locked cage. As that same employee was checking me out at a register, he told me if I applied for a Sam 's Club XXXX I would get an additional 6 % off the laptop. When I got the receipt, I noticed I didn't receive an additional 6 % off the laptop. At approximately XXXX I called the Sam 's Club customer service number : XXXX, and they transferred me to the XXXX department. I was told there wasn't an additional 6 % off the laptop. It was a 1 % cash back on my second statement. I went back to the store to return the laptop, with the intention of buying it again but with a different credit card which will provide me with better benefits. Team leader : XXXX, was not able to do a return to the Sam 's Club XXXX for a credit. A supervisor, ( give me XXXX, as her name ), was also not able to do a return to give me a refund/credit on the Sam 's Club XXXX for a credit. XXXX got another employee who told me I will not be able to receive a refund credit until I get the physical credit card in the mail. I told her it's insane that I can buy something without the physical credit card but not be able to return and get a refund for it. At that point I did not want the laptop, nor did I want to hold on to it until the credit card arrived via the mail. The employees kept telling me I could not receive a refund ; I even had a CSR -customer service rep- on the phone with me, XXXX ( XXXX ). Finally, after such a lengthy time, approximately XXXX, the employee was able to do the return and credit/refund to the Sam 's Club XXXX. I lost the five dollars reward I was supposed to get for becoming a Sam 's Club member that day, because the five dollars was credited to the XXXX, which I no longer want. The acting supervisor told me I can call the XXXX department so they can mail me the five dollars. At that point I didn't even want to be a member of Sam 's Club. I requested a refund for the membership, which the team leader ; XXXX, was once again having a difficult time doing. I wasted my entire afternoon & evening in Sam 's Club.
I also wasted time the following day on the phone XXXX with a XXXX. There is absolutely no phone customer service and/or a positive resolution, just a lot of ; 'I 'm sorry '. Calling early during the day made no difference, just another 64 minutes of my time wasted.
On XX/XX/2023, I finally received the Sam 's Club XXXX, in the mail.
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| 02/07/2017 |
Yes |
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Web |
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I received a letter from Synchrony Bank telling me that they reviewed my account and due to XXXX returned payments, they were closing my account to further purchases. On XXXX XXXX, XXXX, I scheduled a payment not realizing that it was scheduled to be debited from a checking account that is closed. When it returned, I called Customer Service to find out and they told me. I asked them if there was a way to remove the checking account from my profile and the representative told me no there was n't. So, that checking account will remain under my profile until I pay the card off. On XXXX XXXX, XXXX, I scheduled a payment to be debited on XXXX XXXX, XXXX. I got my direct deposit on XXXX XXXX, XXXX and made XXXX payments to other creditors and I had planned to make a deposit into the account by the XXXX on the XXXX. I was n't worried about the Walmart payment because it should n't process until after midnight on the XXXX and the funds would be deducted a business day or XXXX later. Well, that is not what happened. I checked my back account later that day to find out that Synchrony tried to process the payment that morning, well before the processing would normally occur. I was charged a non-sufficient fund fee with my bank, which they credited back to me as a courtesy because they were confused how the servicer could do that. My bank was not sure if the Synchrony would attempt to debit the account twice for the Walmart payment. So, I used my bank 's bill pay service and sent a replacement payment by XXXX XXXX. I never got another message from Synchrony or Walmart about my payment being returned for the second time, so I figured everything was good.
Now, almost a month later, I received the closed account letter and I called Synchrony. She told me that due to the XXXX NSF 's the system automatically closed the account. She said that the XXXX XXXX return was due to a closed account and that in XXXX XXXX, I had a payment return on XXXX XXXX and XXXX XXXX due to NSF 's. I told her I did n't know anything about the XXXX on the XXXX and I sent a replacement payment of {$54.00}. She put me on hold and came back a couple minutes later advising that she tried everything, but she could not reopen my account. I have been with them since XXXX and I am highly upset by this. I feel that the early processing of the XXXX XXXX payment should not have occurred. I was involved in a car accident on XXXX XXXX and as soon as I was able to, I went online and scheduled the payment to send through my bank trying to make the returned payment from XXXX XXXX right. I do n't handle my accounts in this fashion. This is not typical of me. I would like this issue to be reviewed by upper management.
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| 06/17/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Good evening, My name is XXXX XXXX On XX/XX/2020 I made a purchase of furniture from XXXX XXXX located in XXXX NJ.
When I made this purchase I told the supervisor and XXXX ( a very good sales man bc Ingot convinced ) that I needed to check if this furniture would fit my house since it's a small house. They said there was no problem to make the purchase now and to just call if it doesn't fit to cancel and that there was no problem.
Since I bought it after the store closed I called them the very next day and spoke with XXXX and the supervisor, they said it was fine and that they will call me back. Since I didn't receive a call back I kept calling them leaving a message ( they did not return my calls ) so I wrote them an email ( with no response ) I mention this bc I don't know when the store made SYNCHRONY bank aware of the cancelation.
To make this story shorter.
When I received the first vpicemail from SYNCHRONY bank In XX/XX/2020 I called them and found out I had this debt.
I made the first dispute which they did respond ( only dispute they ever responded ) saying that my dispute was in in store 's favor. Since then I made several disputes and went to the store to get the PROOF OF CANCELATION FROM THE STORE which I sent to the credit card company which is SYNCHRONY bank via fax and I received a letter saying they received the letter.
I have made several disputes with no responses, I have called at least 35 times and spoke with different agents, supervirors and XXXX department with no response, one agent tells me to call the other department, when I call the other department they tell me to call the first department I called. Nobody is ever able to give me information and I have not received letters or information.
This has been going for 16 months. With no help, no advice. I asked them if they need the store to call them or to please tell me what they want me to do to resolve this issue, they said is under dispute and to just " wait ''.
This past week I received a letter saying this debt is closed, when I called to ask what this means they said it meant this credit was sent to the credit bureau.
I feel this bank is just trying to buy time by telling me to just wait every time I call them I have received no help. I don't know who to ask for help.
Attached is proof of the cancelation and the letter I received from the bank.
The cancel receipt states that THE STORE RETURNED THE MONEY TO SYNCHRONY BANK. ( On the right lower corner ) The store supervisor told me the store never received the money from SYNCHRONY Bank, he stated this bank is so bad they no longer to business with SYNCHRONY bank.
Thanks in advance XXXX XXXX Ph # XXXX Email : XXXX XXXX
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| 09/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX XXXX, XXXX : Purchased a set of patio furniture from Walmart.com for the total amount of XXXX. I waited several several weeks for delivery. When furniture was delivered, it was damaged, box was open, back support piece was bent and all of the screws and one cushion were missing. I called Walmart twice to schedule a return, as this was too large for me to be able to return myself ( I do not own a vehicle large enough to fit it ). Twice Walmart scheduled a return and no one ever came to pick it up. At this point, I opened a dispute with my credit card for the transaction.
XXXX XXXX, XXXX an adjustment was made to my account in the amount of {$980.00} while the credit card company investigated. I submitted the dispute form, I believe via mail and fax.
*XXXX XXXX, XXXX I received my credit card statement and there were two " miscellaneous adjustment '' transactions listed on my account for {$980.00} each. They both had the same reference number. I called the credit card company and inquired about the transactions. The rep on the phone told me she thought it had to be a system " glitch '' and she would dispute. At this point in time, I also opened a billing inquiry. The transactions were removed from my account and I consequently filled out another dispute form and sent it to the company dated XX/XX/XXXX.
*I received no communication, no request for additional information, etc until I received my XX/XX/XXXX statement and the charges reappeared.
XXXX XXXX, XXXX I called the credit card company yet again. I discussed the situation and spent about an hour on the phone with someone trying to resolve the situation. The rep again opened a dispute and I was told I'd be contacted if they needed additional information. I received no communication until XX/XX/XXXX when I received an email notification I had a new message on my account. Again, the credit card company is requesting me to fill out a dispute form. Then on XX/XX/XXXX I receive my credit card statement with the charges back on the account, accruing interest. As of now, the account is showing a total balance of {$2100.00} which would be the two original amounts of {$980.00} plus interest as I closed the account months ago and I had a XXXX balance prior to these two transactions.
*I have reached no resolution with the credit card company and believe the company is not acting in good faith with resolution. Not only was the original dispute not resolved, the company has erroneously charged my account for the amount, thus doubling my debt. There is no way I can be expected to pay {$980.00} in an unsubstantiated transaction, even if the original dispute in the amount of {$980.00} would be found to be valid.
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| 09/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I have an issue with our account that was for a promotional purchase in XX/XX/2019. I was approved for promotional pricing ( 36 months zero interest ) through this credit agency as a 3rd party through my air conditioning company. There was no indication of any fees added beyond our promotional price. The cards were never even activated or used beyond the purchase made to this company. I applied via the application online provided by the air condition company and got instant approval. I did not receive any indication that we were being charged another fee. As you can see from the attached email from the AC representative, it is not something they can even offer during the application process according to their Synchrony rep. We were approved for {$9400.00} but were only charged for the unit at {$7700.00}. Due to an added " Card Security Fee '' that we DID NOT sign up for, we have paid well over that amount within the the 36 months promotion. They are also saying we owe {$1500.00} in fees and interest on this card security charge. Apparently, we were signed up for a card security plan that we did not opt in and then charged interest on top of it. According to my records, we have paid {$9700.00} and instead of our promotion being paid off, it was being applied to interest and fees we were not supposed to incur. At this point, I have spoken to 5 representatives both electronically and over the phone and each one has told me something different. I have been told that they can not send us our original loan agreement because it violates their policy. I have been told that the loan agreement was sent, but we never received it. I have been told by the representative for the air condition company that they do not automatically add card security and I have been told by the Synchrony employee that they do, in fact, add it in the application process. Also, opting into e-statements is added as a perk when in actuality it is more smoke and mirrors to conceal further predatory loan practices by concealing fees and services when e-statements are limited to only 24 months online and not making loan agreements available. When viewing the loan information online for the balance of the promotion, it appears that there is no interest being charged. You must look at a detailed statement to see the additional fees being snuck in. In 36 months we never missed a payment, even during a pandemic. Yet, we are being punished by their own predatory measures to ensure they collect their fees. When setting our account to autopay a payment for 36 months, we put trust in your credit company that our promotion would be met on time and within the terms we agreed. Thank you for your cooperation.
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| 04/29/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have a credit card with the company with a credit line of {$700.00}. I went onto their website and made a purchase of {$580.00} on Tuesday XXXX . I went into the store today X/XX/17 to return {$340.00} worth of the online purchase due to ill fitting clothing. I then went to try on clothes and shop in store for better fitting clothes. I went to the check out counter with my purchase and was told I had to to call the customer service number but not why. With a line of people behind me I had to call the customer service number. The first representative advised me that I did not have any available credit to make my purchase and that I was in fact over my limit. I advised her that I had a credit line of {$700.00} and made a purchase of {$580.00} and a return of {$340.00} ; therefore, I should have {$450.00} available. She informed me that my return today of {$340.00} would not credit my account until the clothes made it back to the online warehouse. That is bad enough. I can understand if the credit takes a few days to post, but if the store has the clothes they should not have to wait to credit me until the clothes physically make it back to the warehouse when the company is possession of the clothes! My real gripe though is that even without the return I should have had {$110.00} in available credit. The lady argued this point with me as I tried to get her to understand basic math. She then transferred me to a another representative who researched my account and let me know that while she agreed that yes I should have an available credit of {$110.00} I do n't have any available credit and I 'm showing as over my credit limit. I asked how this could possibly be. She tells me that even though she can see the original {$580.00} hard posted to my account that there is still a {$580.00} authorization holding funds on my account that she can not manually release, so my account reads as having {$1100.00} charged to it. This makes absolutely no sense. I could have spent {$700.00} even that day online, but I did n't. Due to their weird practices of hard posting and having the authorization still there four days after my purchase means I could not use {$110.00} worth of credit that I should have had available to me. I wasted three hours of my time in that store trying on clothes and dealing with the phone call in line in front of other patrons only to walk away empty handed. I also missed out on a store-wide sale today that I wo n't be able to take advantage of when my account finally balances out. This is beyond frustrating. When all credits post to my account and the authorization falls off I think I might just close the account and never shop there again.
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| 03/26/2015 |
Yes |
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Web |
Older American |
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I have had a Walmart Credit Card for over 8 years. I pay off my monthly charges on the due date. XXXX it was Walmart Credit Card, and XXXX changed it to a Discover Card, and then late last year XXXX changed it to XXXX Bank Master Card. For the XXXX time I made a mistake on my balance, but was not past due. My XXXX Statement Balance due was {$2100.00}. I then made XXXX payments via XXXX returns of {$1900.00}, {$5.00} & {$39.00} totaling {$2000.00}, leaving a balance of XXXX. I had discovered this error last night and called today and made the {$81.00} balance payment online ; however, the credits more than covered the minimum payment. The error I made was log {$81.00} as a credit in my payment schedule instead of a debit. XXXX Bank had already charged me a {$25.00} late fee & XXXX interest charge for the {$81.00}. I then called XXXX and my late fee and interest charges were reversed. I just called XXXX bank to tell them of their unfair practices ; however, they hang up on me without speaking to me. When they do n't want to listen to complaints, their system becomes totally automated, and they wo n't even answer the phone. Thus, I have been flagged. In addition, I tried to make a purchase online, but the credit card is blocked from making any purchases, just because of their assumption that I am past due 15 days due to an honest XXXX mistake ; when I always payoff my monthly balance, but my credits more than paid off the minimum payment this month. My other dozen credit lines do not do this. They tell me if I have a credit from the last statement purchase, that it also counts as a current payment. and even though I only had a balance of {$81.00} due that I already made, but it really was not past due. XXXX Bank 's convoluted and unfair practice policies, tells me that the credits do n't count as a payment, but yet, my balance was reduced from {$2100.00} to {$81.00}. And then the interested should had been {$1.00} on {$81.00}, not {$12.00}. This bank is like a foreign bank, and it use to be GE Capital Retail Bank. I am outraged, that my credit card was blocked and that XXXX bank and XXXX is assuming I am past due, when I am not. More and more, XXXX 's bad business practice, bad customer service practice keeps getting worse. I do n't know what they get out of unfair practices leading to the loss of customers. I certainly do n't need to use these credit card when I have other dozen credit cards and credit lines. But as a CPA I do n't appreciate of my credit rights violated or unfair credit card practices. The are such illusive polyarchists that they do n't even have the integrity to publish their address on line. Thus, they do n't even care about their customers.
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| 04/11/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Also I have been in contact with the office of XXXX XXXX Attorney General of the state of California under the advise of the FBI Internet crime division - XXXX XXXX.
XXXX XXXX has very quickly resolved the XXXX XXXX, XXXX XXXX, Walmart accounts and found them to be fraudulent, the XXXX XXXX XXXX XXXX Card on the other hand I have not heard from, it has been over 6 weeks now since the original dispute, over the time frame given in the FCRA 2009 Section605B ( a ) requires CRAs / Data furnisher to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days.
I have supplied Synchrony Bank / Synchrony Financial with all the proper information under the FCRA & the FDCPA to fully investigate and delete this account, it is absolutely upsetting how the other accounts which presumably have the SAME info as the XXXX XXXX XXXX XXXX account were all finished and processed quickly and this is going over 6 weeks!!!
I will be opening a inquiry with the AG office of XXXX XXXX in regards to Creditor Negligence, I have supplied all the federally mandated paperwork to the creditor at hand.
AND to top it off the creditor is reporting this account as still being paid as I will show in the file attachment.
I truly just want this resolved as fast as possible as Synchrony has been outstanding in the previous 3 accounts. I will once more state that this account can not be transferred, sold, or be collected on under the FDCPA 2009 as the proper authorities have been notified.
FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
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| 07/18/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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Credit limit dropped purportedly due to not honoring or fulfilling the terms of stated contract.
I am a long term customer of XXXX ( XXXX ). On XX/XX/XXXX, via XXXX XXXX, I learned that my credit limit on both of my accounts had been decreased to the actual balance owed on the card. On XX/XX/XXXX, I immediately inquired as to the reason ( s ) behind the decision which has detrimentally affected my credit history/score. Unfortunately, no representative of XXXX XXXX took this into consideration of which one representative, purportedly a manager, XXXX, readily admitted 'that they have no way of knowing what impact lowering a person 's credit limit will affect the score/credit rating. 'Sufficed to say, as a victim of identity theft and being XXXX since XX/XX/XXXX, I know the impact this incident has done to my credit. Moreover, I have VERIFIABLE PROOF of how my credit has been affected by lowering my score. I received an alert from XXXX regarding my credit ; and sure enough when I viewed the alert, my score had been lowered and it had been reported that XXXX had lowered my credit. Also according to XXXX while continuously apologizing, she alleged that based on information in my credit report, 'they ' made the decision to lower the score. Apologies were not accepted for by no means were they sincere. Shortly thereafter, I spoke to another ( purported ) manager, XXXX, who alleged the credit was lowered due to my account being delinquent ( 3 ) months. She further stated, 'You agreed to pay your account on time and you failed to honor the agreement which you signed. ' This infuriated me even more for it was abundantly clear that NO consideration was or has been given for my years of loyalty as a customer of XXXX where I purchase all my clothing and some household items. Now, after reducing my credit limit, I am unable to buy anything at this point. Notwithstanding, in terms of my account, I also have Credit Protection whereby where it is alleged that I was delinquent, a claim was in place. Her response to me which was rather rude, insulting, and condescending to say the least : 'Any order to have your bill paid, you must first file a claim ... 'After that derogatory remark, the conversation continued to decline rapidly. Notwithstanding, my account has been handled several times with the Credit Protection. This was simply due to several ( brief ) periods of unemployment which ultimately led me to being XXXX. Now that my XXXX is coming to an end, ( XX/XX/XXXX ), I have to contend with tarnished credit because XXXX doesn't deem me worthy of having credit and therefore deems the solution to further tarnish my credit. This is most unfair and discriminatory at best.
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| 01/19/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX, I made a deposit with Lowes for installation of quartz countertops. This initial deposit of {$100000.00} was made using my Lowes Business Advantage Card, which is managed by Synchrony Bank. The terms of this deposit were for equal payments over 36 months with no interest. The resulting minimum monthly payment on this credit line item was to be {$28.00}.
On XX/XX/XXXX, I made a payment on my Lowes Business Advantage account of {$220.00}. This payment was to cover the regular purchase balance of {$190.00} plus an additional {$30.00} to more than cover the first month 's minimum payment on the 36-month no-interest promotional balance described above.
Synchrony Bank erroneously applied {$220.00} to the promotional balance and only {$1.00} to the regular purchase balance. This lowered the 36-month no-interest promotional balance to {$800.00}.
On XX/XX/XXXX, I telephoned the Lowes Credit Department ( operated by Synchrony Bank ) in order to make a payment of {$2100.00} by telephone from the checking account linked to my Lowes Business Advantage Card. I specifically directed that only {$30.00} of this payment be applied to the 36-month no-interest promotional balance. The remainder of the payment was to pay off the {$190.00} in charges due on XX/XX/XXXX and then proportionally applied to all remaining line items on my account.
Synchrony Bank failed to follow my specific instructions. Instead, they applied {$800.00} of my payment to fully pay off the 36-month no-interest promotional balance. This was a direct breach of my signed credit agreement in which Synchrony Bank agreed to 36-month no-interest financing on my deposit of {$1000.00}, Instead, they took full payment of that amount in just two months.
On XX/XX/XXXX, as soon as I was able to review my bill and document the error, I called the Lowes Credit Department ( Synchrony Bank ) to dispute their actions and request an adjustment to my account to reinstate the proper balance to the 36-month no-interest line item. I requested that the reallocated amount be applied to the other line items on my account. The customer service supervisor I spoke with ( XXXX XXXX stated that the payment misapplication was an error on Synchrony Bank 's part. She stated that she elevated the issue to their corporate office and I would receive a telephone call within two business days. As of XX/XX/XXXX, I have not received any communication from either Synchrony Bank or Lowes.
Clearly, Synchrony Bank has breached their credit agreement with me. They are either unable or unwilling to correct the problem. So, I am requesting assistance from the CFPB to help resolve this issue. Thank you for your assistance.
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| 02/12/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem with fees or penalties
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Web |
Older American |
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This is in direct reference to Complaint XXXX against Synchrony Bank that was closed with an inadequate explanation. I provided feedback but I believe my feedback deserves re-submission as a complaint. When you review my complaint you will see that it concerned Synchrony 's deceptive handling of my CD account regarding their funding period and the rate lock terms. In their response, they cited compliance with their agreement as the reason for their denial of my complaint. They provided a copy of their agreement which DOES NOT address my situation. Their agreement does NOT specify when the rate is locked. They changed their rate on the account during my funding period, but did not give me the higher rate because I had funded early in the period and they increased the rate towards the end of my funding period. My understanding of Synchrony 's practice was that the consumer would get the highest rate being paid during their funding period, which I did not. Synchrony advertised their CD promotions with a " hurry while it lasts '' theme, even though they have frequently increased their rates. Being very frustrated over the lack of clarity in their terms and the awful customer service responsiveness, I long ago requested that the CD be closed without penalty and the funds returned to the source, which was my savings account with them. Their murky terms and advertising approach is very deceptive to consumers, and resulted in me being locked into a rate far below the market. They have cost me and I am sure many other consumers ( particularly seniors like myself ) a lot of interest earnings. At this time, I am asking the CFPB to look into this further and ask Synchrony to clarify how their terms specifies their practice on the locking of the CD rate and how the funding period relates to that. Because of this confusion and shady practice, I am again asking that Synchrony close my CD with accrued interest and NO penalty, and return the funds to my savings account. I also think that the CFPB, in the best interests of consumers, compel Synchrony to stop this deception and at least make me somewhat whole by returning my principal and accrued interest without penalty. Even with thos remedy, they still have enjoyed the benfit of my deposit while having paid a rate to me that was still far below the savings account rate that they began paying on their savings account shortly after I was " locked '' into this under market CD.
It is a violation of trust that Synchrony conducts business in this manner during these difficult financial times, again, especially for senior citizen consumers who desperately need the best interest income that they can get.
THANK YOU, XXXX XXXX
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| 11/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My name is XXXX XXXX I am a full-time XXXX student, I recently bought a washing machine from XXXX XXXX after canceling the delivery 3 times they came with the product for delivery, as soon as they put it in my unit and tested it the machine started to make a clicking sound and the dryer shakes horribly. So I asked the tech to take this back he said he can't I will have to make an exchange request and they will come and replace it but he will go and inform the relevant department to come and schedule. when I didn't hear anything for a week I contacted XXXX XXXX and they said it's been over 15 days SINCE THE ORDER so now they can't take this back all they can do is replace and exchange. i was already frustrated with their service so I told them I need u to pick this up .. because I can always order from XXXX and get the same product delivered the next day. the present condition of the machine is I can't explain as the tech said not to use it as it will be replaced.. but I still did to see what was going on the washer makes a loud clicking noise as in something inside is broken and the dryer shakes horribly during drying. I want them to take this machine back and give me my refund. i was not able to submit my response without a picture ( problems are mechanical and a photo won't capture ) so am attaching a random picture just for the response to go through.
on XX/XX/XXXX I opened a dispute with XXXX, Just today they contacted me with the decision saying " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because we did not receive valid proof or tracking that you returned the merchandise '' i have sent them so many screen shots with my conversation with XXXX XXXX they are not responding to my concerns at all they have promised 2 times they will comes to pick it up but they did not. i have a broken washing machine and dryer now and it is of no use.
I did my part as a customer to involve my bank as soon as possible and kept them updated. the bank asked me to send them a tracking number, I explained how XXXX XXXX works is they deliver and take returns by them selfs how can I take a whole washing machine and a whole dryer and ship it myself and provide the tracking number? i don't even have the XXXX XXXX address I sent them my conversation with the XXXX XXXX where I asked for the address because I want to send the merchandise back they did not respond. Please Please help me. XXXX does not even have any one I can speak to on the phone they only do messages dor the dispute department and that takes for ever. PLEASE HELP ME I AM A STUDENT I DONT HAVE MONEY FOR BROKEN MERCHANDISE PLEASE PLEASE.
case number : XXXX
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| 07/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Older American |
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Name of Card Company : Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX Dollar amount of error : Current balance Description of problem : This account was opened XX/XX/XXXX for {$4900.00} on a 24 month deferred/no interest account. On XX/XX/XXXX I set up an automatic payment account for {$210.00} to be paid each month for 23 payments to pay off the account. The first payment was sent on XX/XX/XXXX and payments were sent each month after that on a continuous basis. I reviewed the payments each month on my bank account to be sure they were going out but did not review the CareCredit account as I felt that assuring that the payments were being made in a timely fashion was adequate. I became aware of an issue when I received an email advising of a late payment after the date when the account should have been paid off. After review and discussing this issue with several CareCredit representatives I was advised that my first payment arrived on XX/XX/XXXX but the first payment was not due until XX/XX/XXXX. The first payment was not credited to my first due date. Instead my SECOND payment which arrived around XX/XX/XXXX - XXXX was credited to the FIRST due date of XX/XX/XXXX making my payment 2 days late as opposed to 27 days early and a late fee was assessed on my account. This same method was followed each month which resulted in accumulating 23 late fees for payments that were made approximately 27 days early each month. I have challenged the late fees and therfore when the 24 months were up on the account, the company back charged me for interest from the beginning of the account. Had the payments been correctly accounted for, the entire amount would have been paid off in XX/XX/XXXX and no late fees or interest should have been charged.
I contacted Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On each occasion, no one would give me their complete name or employee ID number. Each time I called, the person answering the phone said they had no authority to resolve this issue. Each time I requested their supervisor. The supervisor repeated the statement that they had no authority to resolve my issue. When I asked to speak to someone who could resolve the issue they said there was no one who could do that and refused to transfer me.
I then sent a certified letter to Synchrony on XX/XX/XXXX which was picked up XX/XX/XXXX. I have not received a response to date.
I am attaching a copy of the letter I sent, the approval of the account, a document showing where I set the account up for payment, and a recent notice from Synchrony Bank with the current amount they claim is now owed on the account due to late fees and back calculated interest.
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| 07/26/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
Older American, Servicemember |
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I have had and continuously used the " Guitar Center '' credit card financed by Synchrony Bank for years and have always paid the account on time and managed the account online with the exception for one time that I paid it a day or two late and called Synchrony Banks customer service number to get the account paid immediately and they also waived the late fee. Recently I have noticed that Synchrony Bank, ( through whom I have several other open credit cards and in store credit cards with, and all which have been managed and paid on time ), have adjusted their websites when you log in to manage accounts to solicit you to accept digital paperless emailed statements. I NEVER selected this option and NEVER arrange for email statements as I get an average of over 100 emails a day and don't have the time to flag or sift out any potential email statement form teh several creditors that i have accounts with. Well, last month after I logged in to pay my Guitar Center account, apparently they arbitrarily switched me over to paperless statements and because of that, I missed my payment due date of XX/XX/21. So when I get an email warning me that my account is past due. I call them immediately to find out why and after dig up my previous paid statement and confirming with the customer service agent that my account was switched to paperless billing, I demanded that it changed back and that the late fee be waived as this was NOT selected by me. I also asked to be transferred to a US based manager which I eventually was after being disconnected and had to call back and start all over again. Now completely irritated, I was finally connected with a US Based agent who reluctantly waived the late fee and accepted my payment of {$60.00} over the phone and then she also disconnected my call after I demanded to speak with a corporate level manager as to why my account was switched to paperless billing without my knowledge or permission. At which point, my call was irresponsibly disconnected again! Little did I know that this agent also processed a closure of my account! Of which, I did not request. And now, after 3 days of phone call attempts, I can not get a hold of anyone in executive level consumer relations to determine both who and why exactly my account was discriminatorily closed or, why they are unable to re establish re-opening of the account. I did just a little online research and, have found and enormous amount of current lawsuits, class action suits, and extremely bad reviews against Synchrony online for this same reason as well as several others. I need help with this matter and am looking at the very real possibility of this going to court. How can you help?
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| 04/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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Hello, On XX/XX/2019 while checking out at a XXXX XXXX store located in XXXX, CT, I was asked if I would be interested in the store rewards card. Assuming this was just a card that accumulated points for purchases in store, I agreed.
However, when the cashier began to ask me for my social security number, drivers license, etc. I asked why she needed that information. She replied it was necessary for the store rewards card. As I believed this to only be a store card I provided the requested information.
At no point in this process did the cashier indicate in any way that this was a credit card application. If she had I would have immediately declined as I had no desire for another credit card. When she informed me that I had been approved I was flabbergasted and asked why she had not told me this was a credit card. Her response was that she had told me it was a store rewards card.
As this was a Saturday ; I contacted the creditor, Synchrony Bank, on Monday, XX/XX/2019 to have them cancel this card and asked them to remove this inquiry from my credit report. The representative was helpful and cancelled the card and told me he would forward my request to have the inquiry removed. I emphatically told him that I was intentionally misled and not informed that this was a credit card application. He indicated he would provide that information.
On XX/XX/2019 I received a response from Synchrony Bank, copy attached, in which they informed me that as I had provided the necessary information for their paperless credit card application they were not able to remove this credit inquiry. They went on to inform me that compliance is very important to them and they follow all applicable laws as outlined in the Fair Credit Reporting Act ( FCRA ). If that is so, then their employees should disclose to customers that they are applying for a CREDIT CARD and not a STORE REWARDS CARD.
Additionally, they state in their letter to me that it was fully disclosed to me on the application that Synchrony Bank would access my credit file when processing my application. However, as this was a paperless application as they stated, how would I have known that? They clearly have contradicted themselves in this instance.
As I was misled ; whether intentional or not ; this practice clearly is in violation of the FCRA in which a consumer needs to be fully informed of what they are applying for. Im sure I am not the only consumer that may have been impacted by this practice ; not only at this store. This may be their store practice to encourage their employees with incentives on accounts opened.
I respectfully ask that this inquiry be removed from my credit report immediately.
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| 09/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I am a current cardholder of Synchrony. I have been for more than 7 years. Synchronys systems have complete access to my information.
In XXXX, someone stole my identity, and applied for credit fraudulently with Synchrony and other creditors.
When the application came through with my social security number -- the thief used an address in Texas. As synchronys systems show on my CURRENT account, I live in Ohio and have ALWAYS lived in XXXX is a major red flag discrepancy and an indicator of identity theft.
Ignoring clearly defined red flags of address discrepancies outlined in FACT Act of XXXX, Synchrony not only approved the card, but also provided the thief the opportunity to furnish her home to the tune of nearly XXXX XXXX dollars. Her home in TEXAS, where the furniture through XXXX XXXX XXXX was delivered.
Synchrony also CARELESSLY updated my credit report with inaccurate addresses and a date of birth further harming me. They also updated the account as closed rather than removing it, which also adversely impacts my credit score.
Additionally, now that there is new data including an account, inquiry, addresses and aliases on my credit reportmy current home loan pre-approval and search for a new home must be placed on hold.
I have spoken to their representatives XXXX times now. Each time I call, I am more concerned with the role played by Synchrony and its noncompliance with the FACT Act and Red Flag Rules designed to protect consumers like me.
Synchrony has REFUSED to provide me with answers as to WHY they approved the glaringly obvious fraud application, why they ignored red flag rules, why they continue to update my credit report with FALSE information.
They have also refused to provide a physical mailing address to send legal documents.
Synchrony is making this devastating experience even moreso by their continued victimization of me.
I 've spent countless hours on the phone with the CRAs and creditors -- including Synchrony. To date, Synchrony was the ONLY creditor that approved an account applied for by the identity thief. Ironically, it is also the ONLY creditor with whom I ACTUALLY HAVE AN ACCOUNT.
I wonder how many other Synchrony consumers are affected by your firm 's nonchalance?
I would like all information regarding the Red Flag Rules that were ignored and how my account could possibly be approved given this information. I would like a copy of the application -- which I have requested in writing. I would like any and all documentation related to this account and the fraud that was permitted by Synchrony 's failed red flag rules.
If Synchrony is refusing any of this information, I would like the registered agent 's mailing address.
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| 12/06/2023 |
Yes |
- Credit card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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I am writing to express my concerns and frustrations regarding my recent experience with the deferred interest program on my care credit card account.
Firstly, I want to emphasize my commitment to maintaining a positive credit history and a good relationship with Synchrony Bank. I have been a loyal customer for several years and my high credit score is a testament to my responsible financial behavior. I am also grateful for the opportunity to finance my XXXX XXXX which has improved my life dramatically.
Recently, I encountered unforeseen financial hardships that made it challenging for me to meet all my financial obligations on time and pay more than enough with minimum payment. I was trying to set up autopay enough to cover all before the deadline. I thought I was on track to pay early. However, after checking my statement today XXXX I see it expired on XX/XX/2003. I do not normally check the statement each month as I have autopay and am not worried about missed payment. However, I realized the balance was higher than I was used to seeing {$2000.00} that when I realized {$960.00} is deferred interest. I was certainly alarmed.
Unfortunately, due to these circumstances, I missed the deadline for the deferred interest program on my credit card. My intention was to ensure that I paid at least the minimum amount to avoid incurring interest charges. I called and explained my situation and that I could take money out of my Health Savings to pay off what I owe. The account manager was not able to help since it was past the 30-day grace period.
In addition to the financial difficulties, I also experienced intermittent internet access issues during this period. As a result, I was unable to consistently check my statements online to stay informed about the status of my account. I understand the importance of staying on top of my financial responsibilities, and I sincerely regret any oversight on my part. I would hope the Bank had other means to notify their valued customers, such as e-mail, text, or even a phone call. I would have paid it off to avoid interest.
I kindly request understanding and assistance in reviewing my account. Given my longstanding relationship with Synchrony and my overall good credit history, I am hopeful that you can offer a resolution that is fair and considerate of my current situation.
I would appreciate any possible accommodation, such as a reconsideration of the interest charges, a waiver of any deferred fees. I am committed to resolving this matter amicably and maintaining a positive relationship with Synchrony. Any attention or help with this issue is greatly appreciated, and I look forward to a favorable resolution.
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| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Synchrony Bank/PayPal Credit Line has been contacted via myself more than 12 times concerning the issue with misreporting information on my credit report as numerous calls have been endured explaining the issues at hand and they always accept fault and promise to address the complaint in full force. They continually lie with false acts of calling the credit bureaus personally asking for the removal of said notations as well as notifying them that they reopened the credit line without notice, now that they have assumed fault for the late payment referenced on said credit report. They did this also on my physical credit card, separate of the credit line, but never did so on the other account. They changed their statements to electronic records and not paper documents without notice as they had actually advised me of the mistake. They agreed to remove but since the first communication was that of XX/XX/XXXX, and I am spending hours daily on the phone with customer service as now I am told they are mailing me copies of the adjustments and they repeatedly have sent surveys on their performance instead. This has held up loans and a mortgage as well as over 128 hours in phone calls, email correspondence and lawyer consults in order to reach a just decision, yet they continue to threaten me and challenge credit disputes stating that the account is not even open. Meanwhile I took a picture of the account as well as the activity and sent to each credit reporting agency as documented proof that I am in good standing and no response has been received from them as well even though I am now a paying customer of all three of them on a monthly subscription. I do not wish to have the credit line closed but I do want the actions of Synchrony Bank/PayPal Credit Line to be dealt with in a serious pursuit of damages and removal of any negative remarks instantly upon receipt of this complaint as damages will be pursued by my two retained counselor firms for said fraudulent activities of the organizations involved. False reporting of credit activity is a crime under federal law as well as opening credit accounts without approval or said notification. These facts are well documented as well as their responsibility in numerous denials because of said notations and the three months it has taken to receive no help whatsoever concerning the issue although they continue to accept blame. My last contact with Synchrony Banl/ PayPal Credit Line was on XX/XX/2021 when the customer service agent refused to forward me to a manager and denied accomodations to myself in reasonable fashion as to why the notes in the system read back to me are not reflected in the actions of the company.
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| 03/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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In re account : XXXX XXXX XXXX XXXX Enclosed you will find two checks : one in the amount of {$92.00} ( the original XXXX XXXX XXXX purchase ) and the other for {$160.00} for fraudulent and usurious charges related to the incompetence of XXXX XXXX XXXX and Synchrony Bank.
Under protest, these checks satisfy the unprofessional and incompetent actions of all parties.
To review the events leading up to this incredible circumstances : 1. I purchased {$92.00} worth of merchandise at the XXXX XXXX store in XXXX XXXX XXXX OH in XX/XX/XXXX.
2. At checkout, the clerk asked if I would like to have an XXXX XXXX credit card since it would give me a discount on the days purchases.
3. I agreed and the XXXX XXXX clerk filled out the application on her computer. That apparently included my address in Florida, and I included my condominium unit number. Without the unit number, the Postal Service can not /will not deliver mail. Apparently the XXXX XXXX XXXX clerk failed to enter the entire address.
4. At some point in the XXXX XXXX/Synchrony Bank billing process, there was a failure to include my condominium unit number ( see attached bill and highlights ) 5. Due to XXXX XXXX/Synchrony Bank failure to include the condominium unit number, the Postal Service did not/could not deliver the bills from XXXX XXXX.
6. Consequently, I could not pay bills that I never received.
7. Beginning in XX/XX/XXXX I began to receive calls from XXXX XXXX XXXX XXXX. that I had an outstanding balance due Synchrony Bank.
8. I immediately called Synchrony bank ( a singularly frustrating process in itself ) and was told that there were no outstanding charges with Synchrony Bank. Synchrony Bank could not/did not identify their relationship with the XXXX XXXX credit at that time.
9. At that time I assumed this was another internet scam and did not respond to XXXX.
10. Subsequently, in XX/XX/XXXX I received another call from XXXX about a past due amount that had been turn over for collection. I again called Synchrony Bank and this time was told this was related to unpaid XXXX XXXX charges.
11. I sent a letter on XX/XX/XXXX ( copy attached ) to XXXX XXXX outlining the issues and requesting confirmation of the bills. I received these on XX/XX/XXXX. As you can clearly see from the billings, there is and was no apartment or unit number on the bills the result of which is that I never received the bills. Once again I called Synchrony Bank and talked with an offshore representative ( in XXXX ) and he indicated that he could do nothing since Synchrony Bank had turned the account over for collection. A clear error in business practices on the part of XXXX XXXX and/or Synchrony Bank.
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| 04/25/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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Hi On XXXX, XXXX I purchased Furntiure from XXXX Store and they promoted CREDIT Purchase through ( GE Capital finance ), IF paid in full by XXXX XXXX XXXX there is NO interest. So I Kept making monthly payments until the last payment amount pending XXXX/- Now, from GE Capital the finance was transferred SYNCHRONY Bank , which was never informed to us and we did not get PROPER Communication.
So, As of XXXX XXXX XXXX, original balance amount pending is XXXX/- and Promotion Date got expired XXXX XXXX so the interest should be charged only for the $ XXXX/- instead they are charging for the entire loan amout of {$2300.00} and my NEW Bill is XXXX it is now with further late / penalty charges $ XXXX/- Since XXXX XXXX I made several call on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I spent hours with various horrible OFFSHORE foreign accent customer service folks including one XXXX XXXX and created A dispute ticket, which they promised to investigate within 30 days and so far we have NOT recivied NO Investigation results as it is more than 30 days now.
AFTER severals calls I discovered that SYNCHRONY BANK has XXXX accounts on my name 1. above furniture account 2. my XXXX Credit account So, I believe the SYNCHRONY BANK customer rep got confused on XXXX XXXX and told me that the balance will be XXXX, IF I pay XXXX which I agreed and paid but it was credited to my XXXX Account instead of FURNITURE Account ( So, {$770.00} interested was charged for my account should be refunded in the first place ) because had he credited to my FURNITURE Account I would have NEVER Been late because with the GRACE Period of 30 days from XXXX XXXX, It should have XXXX XXXX and the REP told since it is only couple of weeks above GRACE period he can make the Balance XXXX and close the account and did it.
Finally, Called on XXXX XXXX, XXXX XXXX PST spoke to rep XXXX XXXX hours EXPLAINED all above especially their representative CREDITING my XXXX Account instead of FUNITURE Account and then againpaid another {$110.00} ( on the assumption that I am paying 29.99 % interest for the remaining balance amount of $ XXXX/- for the 2 weeks delay above 30 days grace period. ) Bottom line, 1. Harrasment of Increased BILL Due MAIL keeps coming 2. NO Investigation results has been shared instead, PHONE CALL Harassment with so much keeps coming..
I will not pay interest for entire loan amount of {$2300.00} because on XXXX XXXX the balance was only $ XXXX and the rep made a mistake of crediting wrong account i.e. XXXX Account instead of XXXX account.
Please help US from this harassment from this SYNCHRONY BANK OFFSHORE Customer services folks undue diligence, professionalims, accent and torcher.
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| 05/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX purchase order number : XXXX date of purchase : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I bought a XXXX watch from XXXX. The Seller contacted me as it was a local pickup. I said I am in NJ and that he would have to send it. He spoke in what seemed to be a XXXX accent. He said he was going out of town and that he would mail it while he is traveling which he eventually did via XXXX. There was no name or return address on the package. I thought this odd but paid no attention to it at the time.
When I opened the package, I knew it was a fake watch. I took it to my jeweler/watch dealer XXXX and got paperwork from him stating it was fake.
I filed a complaint with PAYPAL disputing the purchase because XXXX had failed miserably on three occasions regarding previous disputes. I thought PayPal would be more expedient, but they were not. They sat on this for WEEKS. I called weekly with an update and they had nothing for me.
Because of their lax handling of my case, I called PAYPAL XXXX XXXX XXXX XXXX and had them reverse the charges and open a dispute for the {$1500.00}.
Within a week, the bank issued me credit but within two weeks they put it back on my account stating that the merchant said I refused to return the watch for a refund. Which is preposterous.
I do not know his name or have any contact info for this guy at all. I can not even send him a message via XXXX because they suspended my account for complaining too much and disputing this item.
I told the bank that if you give me his contact info, I will be sure to send his merchandise back to him, but the bank said it is a privacy law that precludes them from sharing his contact info with me.
I said that does not make sense. How am I supposed to return the item if I do not have an address?
Pretty much they told me that is my problem. That bank XXXX In the interim, someone charges {$480.00} on my PayPal XXXX Account. I disputed that with the bank, and they said it was a re-charge from XXXX. I said what was it for and why didn't it go thru then? Who was the merchant? The bank could not answer any of the questions, so I said that is straight-up fraud. I am not paying for that. Even though both these items are still being disputed, the bank keeps charging me interest and late fees on the money ( roughly {$2000.00} XXXX even though they state in writing that they would not do that but when I ask them to adjust the account they refuse.
This {$1500.00} issue has been going on since XXXX 2020. The bank keeps closing my dispute as resolved in favor of the merchant, but I keep reopening it.
I am at my wit 's end! I need your help to get my money back. The seller is obviously a fraud.
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| 09/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The complaint I would like to file would be against XXXX XXXX and XXXX XXXX & XXXX XXXX. Recently I called XXXX XXXX office to get an updated log of my account for my records, as well as the original copy of the contracts and documents that I signed for the account. I called to speak with a representative from XXXX XXXX to get an original copy of my account and summary. The associates name was XXXX he did, confirm that my account was at a XXXX balance.
After our conversation I asked XXXX If XXXXXXXX would be able to send me a letter summarizing what we had discussed concluding that the account was at a XXXX balance. He said he would have to talk to his supervisor to get an approval for a letter to be sent out. He came back and told me that they could in fact give me a letter and it would take about 48 hrs. To be sent out for me to receive it. After 2 weeks of not receiving it, I called back to XXXX, and they informed me I would have to call XXXX XXXX to get any further testament of my account.
Once I was able to contact XXXX XXXX they informed me that my account was at a XXXX balance and they no longer had my account. I requested from XXXX a letter stating these facts about my account, but was denied this as they said they do not issue letters about account balances or status, I would have to get back in contact with XXXX for those records basically having me run in circles. I then had to call back to XXXX and I was able to speak with another supervisor there. She informed me the reason I had n't gotten a letter was because they do not send out and will not send out a letter concerning any details about my account. Because of this I disputed the negative showing on my XXXX on XXXX.17 as well the XXXX showing on the same day. I then proceeded to dispute the XXXX showing on XXXX17. All 3 credit Unions reporting agencies did not respond to my request within 30 days allowed. They did not provide me with any proof of the validation of the account that XXXX provided them.
At this point I do n't know what was provided by XXXX to the credit reporting agencies. I spoke with a XXXX representatives XXXX, XXXX and a supervisor by the name of XXXX on XXXX.17. I was told that a dispute came back from XXXX at a higher balance of {$1600.00} but previously it was {$570.00}.
XXXX XXXX holds the account for XXXX and XXXX, as I have a XXXX credit card. Because of the dispute with XXXX, XXXX XXXX informed me that they decreased my credit limit from {$700.00} to {$100.00}. I have never missed a payment and never am late on a payment. One of my big questions, is are they allowed to do that. I believe its unfair when I have always kept my account in good standings.
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| 05/04/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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In XXXX XXXX , I was notified by employer that a credit screening would be conducted and may affect my employment. Based on the result they received on XX/XX/XXXX I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on XX/XX/XXXX . I was not aware of who was suing me until I contacted GE Capital Retail b ank who notified me that my debt was sold to XXXX XXXX . When I contacted XXXX XXXX I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less tha n 1 w eek to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on XX/XX/XXXX , 2 rec urring payments of {$250.00} beginning XXXX , 15 monthly payments of {$150.00} beginning XXXX and a final payment of {$87.00} on XX/XX/XXXX . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated XX/XX/XXXX stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital XXXX stated to look into the judgement against me. I contacted the court on XXXX XXXX XXXX and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On XXXX XXXX XXXX I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on XXXX at and old apartment and that I signed for it. I moved away from the address that they claim I was served at XXXX XXXX and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, the 3rd party, and the civil judgment reporting on my credit reports and the amounts are different.
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| 01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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Synchrony Bank XX/XX/XXXX : after not receiving a notice for payment, i made the payment and asked to be put on autopay.
My autopay should be approximately XXXX. I have always paid XXXX -- XXXX dollars more each month for over 24 months.
On XX/XX/XXXX Synchrony Bank withdrew {$3800.00} dollars from my bank account and closed the account. That had paid it in full. We had a balance just over {$1000.00}. The bank has an account that paid {$2700.00}. That account charges fees and interest.
I called my bank to have them cancel the incorrect withdrawal. Because it was Synchrony, they could not do that. They suggested I contact Synchrony. At first I could not log in because my account was closed. I found a way around that. After much searching, I found a number to call.
Call 1 : The person I reached told me it would be 7 - 10 business days to return our money.
I went to their XXXX site and saw where people were leaving comments about the same or similar thing happening to them. I left a message on there.
A person called me and told me she would try to expedite the return because we had {$36.00} to last us in to XXXX. She said that it was a " SYSTEM ISSUE '' and we should get our money back in 14 days. She gave me a phone number with extension and her hours. Repeated calls have not been returned.
I have had about 6 messages under their HELP section. The responses I have gotten back are almost form letters. They say it will be 7 - 10 days, and the latest ones say it will take at least 2 to 3 weeks. One said the account is closed, so they will have to send us a paper check.
I have sent information on this to XXXX XXXX XXXX XXXX XXXX XXXX I learned that they only contact the company and let the company handle it.
The Synchrony card we have was for our XXXX heatpump. I understand this company owns over XXXX cards such as XXXX, QVC, Lowes, and the topper is Amazon.
The financial devestation I have experienced has created problems with me mentally as well. Soon the electric company will turn off lights, and the phone company will shut off the phone. We traveled XXXX miles round trip to turn in out cable equipment to stop that autodraft. Our car gets XXXX mpg, gas is about {$3.00} a gallon. If you do the math, and take it out of our XXXX remaining dollars, you get the idea.
I now know we are not alone. Please get them to handle this quicker. Fine them, suspend them, I do not know ; but action need to happen.
Synchrony has major problems and has about ruined my family, my credit and since I can not get life saving medicine, they may have killed me.
I have copies of the messages, my payment history etc but can not attach them currently.
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| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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XX/XX/XXXX I received a invitation offer by email from XXXX XXXX XXXX to apply for a Credit Card with no impact to my XXXX XXXX if I'm declined*. I was hesitant and decided to call the number listed to confirm XXXX and was reassured that that info was indeed correct it was only a soft inquiry and no impact would occur to my XXXX XXXX ( which later turns out is a false/deceitful statement ). After getting off the phone I apply and get the we'll contact you message about this card. I then start thinking I really don't need this card as its redundant to another to my XXXX Rewards card that offers cash back on XXXX. I call with in a minute to call XXXX XXXX that I want my application withdrawn they said it looked like my application was accepted but with another department and that they would relay the word about my withdrawal.
Late overnight I was awaking my email notifications stating there was a change in my credit report and that I had opened a account with Synchrony Bank ( SYNCB/XXXX ) XXXX
The following day I called and spoke to the Synchrony Bank about what had happened and was assured it would be taken care of the account that was opened would be closed and any inquiries would be removed. I was told a letter would be sent to the credit reporting agencies and myself as well as a mail correspondence one correcting the issue and as confirmation of action of letter to the Credit Bureaus. As a result I froze my Credit Accounts to prevent any unauthorized inquiries to the other Credit Reporting Agencies such as XXXX and XXXX. I went back to the application to see if I could cancel and it stated congrats I was approved I had email confirmation about using the electronic card while I waited for it to be mailed.
I received XXXX conflicting pieces of mail correspondence on XX/XX/2023 from Synchrony Bank stating that they could not approve me for a XXXX XXXX XXXX Account because my Credit Reports were frozen and another stating the inquiry was valid. So in XXXX instance they said my account wasn't approved because of no access to my Credit Report ( yet I have a inquiry which is unauthorized ) and on top of it I took a hit to my score as a result of the inquiry and unauthorized account being listed on a XXXX credit bureaus. In the next letter they say they say I have a account and am a XXXX customer even though I told them I didn't want the card immediately and after finding out they had opened a account I told them to close it as it wasn't with my consent. They said they would over the phone. I'm upset about their shady practices. I want this unauthorized inquiry removed and confirmation the account was closed per my phone calls with them ASAP.
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| 04/29/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I have a Paypal Credit Account. Paypal routinely offers 0 % Promotional Offers and Interest is deferred and not billed if the Principle is paid in full by the end of the promotion.
Seems easy enough except that it is almost impossible to make a payment and insure that the payment is allocated to the Promotional Balance and not the standard Credit Line Balance. It appears that Paypal is encouraging its customers to default on the Promotion by making it near impossible to pay off and end up getting charged the Deferred Interest. Below is a recap of how difficult it was for me to make this Promotional Balance payment.
I currently have 2 Promotional Balances coming to Term XX/XX/XXXX and XX/XX/XXXX of XXXX. On the PayPal Website I can easily see my promotions and when they are coming to End of Term. However there is no way to make a payment on the promotional balance. There are no instructions on how to make a payment to promotional balances. I read all of the FAQ 's and read nothing around making a Promotional Balance Pmt.
Last week on XX/XX/XXXX i called Paypal 's customer service and stayed in the que for 20 min before being disconnected with the automated recording saying " they were experiencing high call volumes and to call back later ''. Today XX/XX/XXXX I called back, waited 10 mins on the que hold before being answered. The Customer Service Rep answered my question on how to " make a promotional pmt '' by saying just pay more than the minimum and it will go towards the first due Promotional Balance. I told her I disagreed with that approach because typically a pmt more than the minimum will just go towards the total balance. She asked me to hold while she talked with a Supervisor. After 10 min she got back on the phone and said you have to make a pmt with me and I file a ticket for my back office to allocate the pmt to the Promo Balance ( which takes 5 bus days to complete ). i made the pmt with her and hung up.
My concern here is that this is predatory lending. Paypal gives you a Promotional Offer but makes it near impossible to pay off in full ; triggering the deferred interest at extremely high rates 26.24 %. If I had taken the Customer Service Rep 's first advice I would have been charged the deferred interest. Since I was lucky and pressed on the correct pmt issue I now have to wait 5 days for a back office team to post to my promo balance and " hope '' they do it correctly. if I had called 1 day before the Promo expired I am not sure if I would be able to pay in time since the back office needs 5 days to post. This was never explained to me.
Thank you for looking into this, feel free to contact me.
XXXX XXXX XXXX XXXX XXXX
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| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Today ( XX/XX/2021 ) I was checking out at T.J. Maxx - XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I was offered the T.J. Maxx rewards card by the cashier, which I declined. I said I do not want any more hard inquiries on my credit because I am looking to purchase a home in the near future. The cashier tells me that it is only the T.J. Maxx rewards program and that a hard inquiry will NOT be done to sign up for the card. I replied that I would only sign up if she could assure me that there would be no hard inquiry. She assured me that they only do a soft inquiry. With assurance from the cashier I trusted the information she provided me to be correct. In fact I didn't even realize I was signing up for a credit card, with the information provided by the cashier, I was under the impression that the TJ Maxx rewards card is a similar product to the XXXX XXXX which offers rewards in the form of a debit card, but does not do a hard credit inquiry. Within seconds of signing the electronic pad at the register I feel my phone vibrate. It was an alert from XXXX that a hard inquiry was pulled for a new credit card. I'm instantly furious that I was lied to whether it was unintentional or not. I ask if she can reverse it and remove the hard inquiry. She could not, but calls over her store manager. I have a pleasant conversation with XXXX the store manager. He said he was embarrassed because he said he trains his employees to provide the proper information about the T.J. Maxx rewards card, but his employee failed to provide the proper information and that there was nothing he could do to reverse it. He told me to contact the rewards card customer service number. I proceeded to call the The TJX Rewards Platinum Mastercard number ( XXXX ) and explain the entire situation and how the card was misrepresented and that I would have never signed up if I was not lied to or provided with the incorrect information. They said they were sorry about the situation, but there was nothing they could do because I provided my information when I was checking out at T.J. Maxx. I went back and forward with them, but they were unable to solve my problem. I feel as if I was scammed into a card that I am now stuck with because I trusted the word of the employee that was representing the rewards program for T.J. Maxx. I think it should be illegal for a store to have the ability to provide wrong information and easily sign you up for a credit card in less than 10 seconds without providing the full terms of service that do not match what was conveyed verbally. All I want is for the SYNCBTJX CO DUAL CARD hard inquiry removed from my credit report, if that means closing the account, so be it.
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| 08/09/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have a Fleet Farm Credit Card which is held by XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX to pay off my credit card in full. I submitted my payment with the lady on the phone and she gave me my confirmation number of XXXX. My account had the amount of {$330.00} withdrawn from it on XX/XX/XXXX. I received a letter stating that my account was past due on XX/XX/XXXX. I then contacted XXXX XXXX to ask if it was a mistake or if their system sent it out to early and XXXX informed me that our account was still delinquent and showed a balance of {$330.00}. I then gave her a our confirmation number and was put on hold for 26 minutes to only get the response that they do not know where the money went if it was truly paid and that it could take up to 10 business days to reflect on our account and to call back then. I waited longer and contacted them back on XX/XX/XXXX. I spoke with a rep and directly asked to speak with a manager and she proceeded to want the details to relay to him so I gave them to hear to have her respond with " Sorry Sir, I understand your frustration, but I ca n't help you with this '', in which I responded " Thank you for wasting more of my time, so please get someone who can handle this situation ''. I then was put on hold for 25 more minutes to get greeted by XXXX ( who would not give up his last name ). I then had to repeat everything to him and ask him why my card still showed a balance on it. He then stated that they have no proof that I paid the card off, so I gave him the confirmation number AGAIN, to which he stated that he saw that in the system, but no payment was reflected to it. I then asked him what is a confirmation number for. He laughed and stated " Proof of Payment '', to which I responded " So you have proof that we paid it '', to which he laughed again and stated that it is not in their system or if it was " Truly Paid '' they do n't know where it was applied. He then told me that I needed to send proof of payment via a bank statement. I told him that I had it pulled up and could email it to them. He then stated that they have NO EMAIL! Who has no email? I then cooperated with his request and told him that I would print it and send it to them. I sent them the statement on XX/XX/XXXX and contacted them today, and was told that they never received the statement! I then asked the female rep to speak with a Supervisor and she said I need to put you on a brief hold. I was put on hold for 49.32 minutes to then have them disconnect the phone from me. I am beyond amazed of the rudeness, un-tactfullness, disrespect-fullness and no care for customer service that this corporation has HIGHLIGHTED in this simple problem.
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| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score.
Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness.
Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties.
I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA.
Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.
I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA.
Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at [ your phone number ] or [ your email address ].
Thank you for your immediate attention to this matter.
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| 03/24/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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On XX/XX/2023 I went to the XXXX store in XXXX FL and made a purchased for {$1600.00}. I was given an extra discount for being a XXXX XXXX Customer and the total purchase was more than {$1500.00}. While walking out we noticed they had charged a 5 gallon paint at regular price when it was marked down. We returned and they apologised, refunded the item and re-do the purchase at the discounted price.
Two days later, on XX/XX/XXXX, I received a notification from XXXX about a charge. I called the store to ask what is was about it, they said they didn't know and that I should call synchrony bank to find out.
I called Synchrony credit services and they didn't know what the charge was either but went ahead and canceled my credit card and issued a new one. At that moment I lost access to all my transaction history. Four hours later I called the store and cancelled the items I had purchased ( they were appliances and had not been delivered ). When the transaction was canceled, they told me the " mystery '' charge disappeared from their system, proving that it was related to that purchased.
Few days later, Synchrony had not issued the refund for the cancelled appliances. I called them several times and they said they had to investigate the matter. I went to the XXXX store and brought my paper receipt. They called Synchrony bank and sent them the receipt. At the same time they showed me a transfer balance they were doing to my new account. I told them I had made that payment on XX/XX/XXXX. Then they said it would take few days to update on the new account.
From XX/XX/XXXX that Synchrony cancelled my credit card, they didn't give me any access to my transaction history.
Just today, I found out, they posted a {$690.00} balance transfer form my previous card. I called them I told them that was an error and mentioned the payment done on XX/XX/XXXX. They said they couldn't do anything about it but send me the statements and I could then dispute it.
Payments I made : XX/XX/2023 paid {$2300.00} ( They said that was the full amount owed ) Purchased after that. This information was provided by phone today by one of Synchrony credit services account manager.
XX/XX/XXXX : {$37.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$240.00} XX/XX/XXXX : Paid {$710.00} All purchases done after XX/XX/XXXX were with the new card and are correct but the balance transfer of {$690.00} from my previous card is incorrect. My payment of {$710.00} posted the same day they close my account and their system marked it as balance when I actually paid it off.
The cancelled credit card that the balance was transferred from last 4 digits are : XXXX
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| 06/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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On XX/XX/XXXX, I went into XXXX XXXX in XXXX MD area to look at living room furniture. Out of more than 6 sets, NOTHING was available for up to eight weeks ( for delivery ), so I chose to look somewhere else. Meanwhile, the sales person advised me to put the set that I liked on an invoice. I was allowed to put a down payment on it ( so they can hold it ), but informed them I would return the following day to make a final decision. I ended up going to one of their other stores, down the street and purchased furniture there, because it had same-day pickup. On the very next day, XX/XX/XXXX, I returned to XXXX and asked for a full refund of my deposit and the cancellation of the invoice ( that was supposed to be on hold ). They refunded me the down payment and told me the invoice had been cancelled. However, when I got my credit card statement, XXXX had charged me for the furniture that I actually purchased ( and took home, plus they had charged me an additional {$1600.00} ( the amount that was supposed to be refunded on XX/XX/XXXX ). Instead of fully canceling the invoice, they submitted it to the finance company, three days after telling me they had canceled the order. Now, they are telling me, it will be XX/XX/XXXX before they can clear up this error. My credit report is also indicating that I have an extra {$1600.00} of used credit. This makes NO sense that it is taking this long to clear up a matter that was totally preventable. I was advised two weeks ago that XXXX would credit me the money. The following week, when I went to check the status, it had not been done. So a second person assured me they would remove the {$1600.00} error from my account, but it will take up to 60 days. This is ridiculous! I want the error removed from my account as soon as humanly possible. XXXX has very poor customer service in the Dispute Resolution Department. It is impossible to speak to a supervisor. The young guy at the front desk in the XXXX location kept telling me I should not have bought the furniture from the other location, because they could have gotten me a cheaper price. This made no sense, because he had no idea what I had purchased, now what I had paid ( at the other store ). Furthermore, he was the very person who " supposedly '' issued my refund, which he couldn't even do correctly. Instead, three days later, XXXX submitted the canceled invoice to the finance company and it appeared on my bill. I would like to think they are not in the habit of fraudulently submitting bills to the finance company, but I can't even be sure this whole thing was not intentional. I just want it cleared up, sooner than XX/XX/XXXX, since it is 100 % XXXX 's ERROR!
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| 05/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Add-on products and services
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Web |
Servicemember |
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The Card Security Program at Synchrony bank card services is credit card issuer for PayPal Mastercard and also servicer to the account. I have paid for card security insurance protection for more than 10 years on this credit card account and filed a claim for XXXX that started in XX/XX/XXXX due to XXXX XXXX and related impacts it had in my well being. I became unable to do anything except go to walk-in emergency urgent care and hospital emergency room care to try to find diagnosis and treatment for the XXXX of which I was suffering extremely difficult life threatening symptoms.
I filed my claim for XXXX multiple times between XXXX and XX/XX/XXXX after the forms were filled out by the XXXX XXXX original treating physicians. After seeing 5 different specialists doctors for a number of XXXX related ailments and complications my medical file is ripe with substance and proof of my condition. Therefore I followed all directions to file the XXXX claim which I was also unable to work at all but I only focused on the XXXX claim. I could have also claimed unemployment benefits related claims with Card Security however I was completely unable to work and conduct normal daily routines from XX/XX/XXXX until approximately XX/XX/XXXX.
Card security had me send them the claims forms about a half dozen times over the course of the first 6 months of XXXX wherein their online system was offline and was not accepting nor processed any payments or claims for my valid XXXX and all I received from Card Security personnel was excuses and zero substantiated support for my claim.
I have called and written Card Security many many times documented all interactions with them. Their response to me after taking nearly a year to tell me they have struggled to get the XXXX XXXX doctor or his office to respond to their inquiries is that my claim is invalid because the doctor office XXXX XXXX XXXX in XXXX XXXX FL where my treating XXXX XXXX XXXX XXXX worked as staff doctor and my date of XXXX is not valid. I have 5 treating doctors I have seen that all have reached the same conclusions and this is what I am left with. Being told by Card security personnel that my file is wrong and someone has not been contacted to prove that otherwise and that is nothing I can do about it.
I filed a legitimate claim for legitimate reasons after paying for this service of card security for more than 10 years without a prior claim and I am told Im not entitled or eligible?
This is fraud by card security and bias plus discrimination against my medical conditions and age. Plain and simple and all I want is what I have paid a lot of hard earned money for coverage of my health care claims.
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| 08/24/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I opened an interest free card through XXXX XXXX with Synchrony Bank. I had a 1year interest free promotion where if I paid in full by XX/XX/XXXX I would not have to pay any interest.
I called on XX/XX/XXXX at XXXX XXXX and spoke with customer service for 14 minutes and 8 seconds. During that call I explained I was calling in to pay my balance in full which was approximately {$1800.00}. The customer service representative PROACTIVELY OFFERED TO ME the option for another 30 days. I did not ask for it, nor did I need it, but she told me that the company always offers an additional 30 days and if it is paid in full there is no interest charged. I accepted her offer. I called again on XX/XX/XXXX at XXXX XXXX and spoke for 18 minutes and 50 seconds where the customer service representative confirmed that Synchrony bank always offers an additional 30 for the promotion and that I would not pay additional interest.
On or around XX/XX/XXXX I received an alert that my credit had plummeted 18 points because my debt to credit ratio increased. Synchrony bank reported to the credit bureau that my usage increased as a result of them reporting an additional {$750.00} in fees as a part of my balance. I was in the process of getting a loan and could not because of the drop in my credit score and increase in my debt to credit ratio.
I called on XX/XX/XXXX at XXXX XXXX and customer service had me on hold for 59 minutes and 54 seconds. I used my other line to call again at XXXX XXXX. After the first line was disconnected I was on hold on the second line for another 22 minutes and 27 seconds. That customer service representative asked me to hold while they got a supervisor and then disconnected the call. No one called me back.
I called a third time on XXXXat XXXX XXXX and spoke with someone for 38 minutes and 45 seconds. He explained to me that he could not correct the incorrect balance that was reporting to my credit. Before they added interest my balance was {$1800.00} with a credit limit of {$2700.00} balance. Because they added the interest to the balance it went to {$2500.00} of {$2700.00} which plummeted my credit score. He stated that he would submit a dispute but that it would take 30 days to come off of my credit. Then he said he submitted a complaint to escalate it and have it corrected by XXXX but that it would only report that it was paid in full, they would not be able to correct that the increase was an error.
The last issue is that both original representatives told me the full balance was due by XX/XX/XXXX. No one mentioned at all that I still needed to make a payment by XX/XX/XXXX. As a result, they charged me a late fee of {$40.00}.
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| 09/19/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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XX/XX/XXXX To Consumer Financial Protection Bureau, Hello, on XX/XX/XXXX I filled a dispute charge with Care Credit. On XX/XX/XXXX I had payed a dentist to place implants in my mouth ( XXXX ), service charged to Care Credit in the amount of {$8600.00}. Days after the job was done I noticed a problem - one of them was too small. I contacted the dentist and he wasnt willing to fix the problem. I tried again.
I finally filed a complaint with Care Credit requesting some money back - the implant was defective and needed to be replaced. I gave them plenty of information, pictures, a letter from another doctor, etc I got an answer back from them on XX/XX/XXXX. It stated that they considered my case a quality issue and could not judge the quality of merchandise received. Then went on to tell me to work directly with your merchant to reach a resolution for your concerns. I appealed their decision and their answer was that Synchrony bank is unable to intervene in this matter, due to a purchase agreement you entered with the provider. You signed the providers contract consenting to potential risks and complications.
Care Credit was visibly trying to side with the doctor. That contract says nothing to acquit him from a bad job. In fact it helps me. The problem was caused before the XXXX not after. It was intentional, not consequential. Care Credit was acting like a MEDIATOR between me and the doctor, I could have gone to another institution for that. They just wasted my time. I had already tried that on my own and the result wasnt satisfactory. The doctor is very good at writing nice letters but his demands that I sign an unscrupulous document releasing him from any responsibility is unacceptable. He didnt act in good faith. Yet Care Credit keeps telling me to work directly with the provider.
I went to the Care Credit Dispute Department to request money back so I can finish my treatment anywhere I choose. It shouldnt be a decision Care Credit makes for me. If they can not make a judgement on a simple case such as mine, how are they able to judge on any case medical related at all, considering they are a medical related card?
I finally got the answer I was looking for. As I spoke with one of their Dispute Department representatives last week I asked her why they had a Dispute Department if they are not able to judge, and she said that they are requested to have the XXXX - by law. That means their department is only a facade. Thats a disservice to their card holders. Im requesting CFPB to make an investigation on Care Credit Dispute Department Practices, and that they remove any late fees and interest fees from my account.
Thank You Very Much,
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| 06/23/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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Synchrony Credit Services : Recently I discovered what I thought was a horrible service being provided by this company. I have made payments of various amounts to my account through my XXXX XXXX Bill Pay but the payments are not being posted to my account and Im being charged late fees. Listed is a schedule of payments to my account : Payment date Amount XX/XX/XXXX{$95.00} XX/XX/XXXX XXXX Late FEE Charged XX/XX/XXXXXXXX Interest charged along with Late FEE XX/XX/XXXX XXXX Interest with Late FEEXX/XX/XXXX XXXX XX/XX/XXXX XXXX When I phoned customer service, I spoke with someone ( who wouldnt provide their name ) and advised me that I should may payments closer to the due date to avoid late fees. Ive never heard of such a thing. Who penalizes a customer for making a payment? I can not tell you how disappointed I am in that Im being penalized for making timely payments. The representative told me that I was being penalized for early payments. When I asked to have a copy of whatever agreement she was referencing sent to me via email or regular mail she said that she could not send it. She told me to go online and use the agreement that Belk has for everyone. ARE YOU SERIOUS? Nope, she was graveyard calm as she relayed this information.
After a long waste of time conversation, I thanked her and noted that when I phoned, I was offered the chance to take a survey and to leave comments after the call. Once she hung up, I would be automatically transferred. Guess what she never hung up the phone. She was insisting instead that someone would call me. That call never came, no one EVER reached out to me via email or otherwise. Considering how the phone call was handled, I cant say that Im surprised. Ill let you in on this one trick ; when you have a customer on the other line and the representative ( not the customer ) doesnt hang up, the call doesnt transfer to leave comments and take the survey ( if offered ). Im guessing no one who suggested the survey after the call service ever tried it out. The representative can mute the phone but as long as they dont hang up, your call will not be transferred to do this survey.
I 'm asking for assistance in that I believe the Synchrony Credit Services is : 1. Intentionally penalizing customers and forcing them to make additional payments to cover 'Late Fees ' being erroneously being charged by the company 2. Failure to provide documents showing how the company bills its clients and better explain billing cycles 3. Failure to allow the customer to speak to someone in a higher position 4. Not taking proper messages and passing them on to someone who could engage with the customer and reach a solution
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| 01/30/2017 |
Yes |
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Web |
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After i consulted with my medical provider, i was asked to speak to the billing coordinator prior to scheduling anything She provided me with literature about care credit financing attachment included It was aligned to me that there were various payment options available including promotions for interest free financing over periods of 6, 12, and 18 months. I was told my purchase would also qualify because it would exceed the minimum purchase requirement. I was also told that i would have to be approved for credit worthiness. The credit application was submitted and accepted. The purchase was made in the amount of {$4300.00} and automatic payment was subsequently set up for $ XXXX monthly which would coincide with 18 months of payments totaling {$4500.00} so that the balance would be paid by the promotional expiration. Since automatic payments and electronic statements were enabled no statements were viewed until within the last week when the balance was checked in preparation for the final monthly payment only to discover that the promotional rate had expired and we were charged the purchase interest rate approx {$1100.00} as well as a few months interest. I was immediately sick to my stomach as i was unaware of how this could have happened. After contacting my medical provider i was told repeatedly I 'm sorry there is nothing we can do we only offer 12 month financing. I explained that i had the brochure i was provided stating availability of 6,12, and 18 months promotions and that i was told we had the option of all three to no resolution. i took further action of contacting care credit, explaining the situation in full as well as requesting to speak to the dispute resolution department. I was told by the representative that the dispute department could not help me and would not speak to me. I asked the representative if she could assist me and was told no, i inquired who i could speak to about my situation to find a resolution and was told " nobody ''. I was left without any action and felt totally taken advantage of as well as left helpless and with guidance as to how to proceed. I plan on paying the full balance including the interest charges despite feeling completely ripped off and that i should not have to based on the following : Deceptive Enrollment Process- I was not provided adequate guidance making me aware of the available options, terms and conditions by the dr 's office and was never contacted by the credit company.
Inadequate Disclosures- The only explanation offered about available promotions was through the dr 's office billing staff which aligned that i was able to use any of the available options in the brochure.
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| 09/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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I made XXXX different charges on my Care Credit account. On XX/XX/2023 {$1100.00} which has a minimum payment due of {$39.00}. On XX/XX/2023 {$750.00} which is interest deferred. On XX/XX/2023 {$1400.00} which has a minimum payment of {$50.00}. On XX/XX/2023 {$1900.00} which has a minimum payment of {$67.00}. The total minimum payment is {$150.00}. On XX/XX/2023 a payment of {$39.00} was paid to the {$1100.00} charge. On XX/XX/2023 a payment of {$180.00} was paid as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$30.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. On XX/XX/2023 a payment of {$300.00} was made as follows : {$39.00} to {$1100.00} charge, {$50.00} to {$1400.00} charge, {$67.00} to {$1900.00} charge, and {$140.00} to {$750.00} charge. Every month I have to call and ask my payment to be allocated correctly as stated above. Everything was fine until my XXXX payment was not allocated. I called in XXXX and spoke to a woman manager who said it was requested in their system but it was not done by accounting for some reason. She said she will tell them they missed it. I called again in XXXX and spoke to another woman manager who said it was still not done and she will ask them to fix it. Once my account updated the person who was supposed to fix the problem made it worse and now instead of my {$750.00} charge showing a balance of {$280.00} it shows a balance of {$6.00}. That means someone took the money that was paid to the other accounts and incorrectly applied the money to the {$750.00} charge instead of only applying {$140.00}. So now I am being charged interest on charges that I already made payments towards. I called XX/XX/2023 and spoke to a man manager who was very short and rude and would not help me, so now I am filing this complaint. My account should reflect the following : {$750.00} charge had payments of {$30.00}, {$140.00}, {$140.00}, {$140.00} leaving the balance of {$280.00}. {$1100.00} charge had payments of {$39.00}, {$39.00}, {$39.00}, {$39.00}, {$39.00} leaving balance around {$900.00}. {$1400.00} charge had payments of {$50.00}, {$50.00}, {$50.00}, {$50.00} leaving the balance around {$1200.00}. {$1900.00} charge had payments of {$67.00}, {$67.00}, {$67.00}, {$67.00} leaving the balance around {$1600.00}.
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| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
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To Whom it May Concern : I have a PayPal account and a PayPal credit card through Synchrony Bank. On XX/XX/22 I made a purchase for {$6100.00} for my daughters braces to XXXX XXXXXXXX XXXX. The payment went through and my credit card was changed that amount. I have never had a balance that high so I wanted to immediately pay it off as I always do anyway. I have never been late for one payment and I usually pay my bill multiple times a month to keep my balance down. I submitted a payment late Thursday night XX/XX/22 on the webside and there was a message that the transaction failed and to try again later. So I immediately tried again to submit the payment but it failed again so I decided I would try the next day. The next morning on XX/XX/22 I had an email from paypal that the payment went through but there was 2 emails and the payment went through 2 times. I called the credit card that day and said they had made a mistake and processed my payment 2 times. They said there was nothing they could do to stop the payment from being processed through my bank account. They recommended if I didn't want over XXXX being taken from my bank account I could call my bank and do a stop payment to avoid the withdrawl. The other option was to have it processed then have the credit company issue a check in 15 business days for the mistake. Since they recommended the option of doing a stop payment I chose that because I did not want my bank account drained. I called my bank, XXXX and they stopped the payment, they could not stop just one they had to stop both payments. After that Paypal cancelled my bank account as a payment option because the payment did not go through. I called paypal and explained the situation and added my bank account again and made the payment on XX/XX/22. This was after trying to go online and pay and the payment and it was rejected because I didn't realize they took my bank account off the payment option. I also tried to by gas and my card was rejected. I called back and found out that Synchrony closed my account and didn't even tell me. I feel I did nothing wrong. I paid all my bills on time and just followed the advice of the customer service rep that day to put a stop hold on the payment so my bank account did not get drained 2x the amount I actually owed. I did call and complain and asked them to review my records and reopen my account but they still denied me and closed my account. This is an injustice to me. Please help me resolve this issue. I am hoping this does not damage my credit score. I applied for another credit card with XXXX XXXX and I was denied on XX/XX/22. This is very upsetting. Thank you for your time.
XXXX
|
| 11/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
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In XXXX, my JCPenney Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing.
After several attempts to resolve the issue with no resolution, I stopped making payments on the account.
In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost.
The company ( XXXX XXXX ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed.
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due.
Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does not XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only one deposit in this account, his graduation gift money.
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does not XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable.
I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account.
I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money.
I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue.
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX
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| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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To Whom it May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Pay Pal ( SYNCB/PPC ) for many years. During our business association, starting in XXXX of XXXX, I have honored and respected my account agreement to the fullest and appreciate your outstanding service.
Unfortunately, in XXXX of XXXX, I had fraud on my card tied to pay this monthly payment for my Pay Pal account. As a result, my payment was delayed. Because your account with me is important to me, I managed to catch up on the late fee. I ensured your company suffered no loss. Since opening my account with Pay Pal 6 years and 9 months ago, I have been current on all payments, except one, due to fraud, causing my credit card that pays this balance to close. Again, that is a 99 % payment rate for roughly seven years.
I am thankful and appreciative for the years of positive credit history that I have obtained through your company, but now this one single payment late mark on my credit score is causing me tremendous stress. I just had a baby XXXX XXXX XXXX, and my husband and I are trying to settle down and build our home. Unfortunately, this process has been delayed with our Mortgage lender due to this missed payment.
This is where my " Goodwill Request '' comes in. I desperately need this to be removed from my credit so my credit will reflect my true genuine payment history allowing my husband and I to get the mortgage necessary to build our home for our family. I would greatly appreciate it if your company would comply with the UDF Universal data Form and Fax it to the credit Bureaus to remove this late charge entirely. The credit bureaus have advised me that they will report anything instructed by you but then need to have those instructions in writing.
I would also like to ensure my privacy is protected. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states ; I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency cannon furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Again, I would be grateful if this late payment reported to my credit in XXXX XXXX XXXX could be removed along with a notification sent to the Credit Bureaus of removal. Again, I thank you very much for your time and consideration. Please contact me if more info is needed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/22/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
|
I am writing this letter to Synchrony Bank and enclosing evidence to show The negligence of Synchrony Bank. I am experiencing a double charge to which Synchrony refuses to fix. I have worked along with ParkWest galleries to try and fix this issue. and Parkwest issued a letter stating I was double charged and will be working on it with SYnchrony. Thus far, nothing. They did say however, It is a Synchrony Bank issue. My following proof is numbered by me and circled in every top right corner of the page. Highlights are in my notes, with each piece of document that I have presented to you.
1. my invoices of my paintings that I purchased on XX/XX/2023. Since this date I have not made another purchase with ParkWest or use a Synchrony Credit Card.
i. I put on a loan with Park West, nothing to do with Synchrony Bank.
ii. the remaining balance was {$24000.00}.
1. {$20000.00} To Synchrony Bank credit card 2. {$4100.00} to my XXXX XXXX XXXX XXXX 2. my Loan contract with Park West that has nothing to do with Synchrony Bank .
3. financed paperwork minus my downpayment.
i. {$60000.00} purchase price ii. Minus my downpayment of {$12000.00} iii. Equals My debt with Park West not Synchrony {$48000.00} 4. Another breakdown sheet and my credit card payments to Park West Debt, not Synchrony.
5. I highlighted my payments.
6. My credit card statement ( s ) that show exactly what I paid.
7. As my paintings were received by me I received my first portion of Parkwest Synchrony Bank debt of {$7600.00}. Date XX/XX/2023.
8. My last payment to my Parkwest Synchrony Credit Card of {$12000.00}.
a. If you add the two amounts, guess what, it comes out to {$20000.00}.
b. Look at the bottom of the page, under payment summary, it matches the total of {$20000.00}.
9. I was charged again for {$12000.00} taking my Synchrony Credit Card to a {$32000.00} debt. This is an erroneous charge. I was charged twice for the same painting.
10. I have called several times and even changed my card and called and had my account reviewed over and over and Synchrony refuses to fix the issue 11. I have made some payments in the process as you can see. From your webpage 12. My sales draft and promotional terms for my Synchrony Bank card, {$20000.00}.
13. Some emails that I am in communication with Parkwest. If you read their letter, It shows once again that I was charged double for a piece of art at the total disputed amount of {$12000.00} After my emails with Parkwest, I received an email from Synchrony sees this as a unique and not a duplication. This is absolutely ridiculous. I would like to receive a courtesy phone call to discuss this matter further. XXXX XXXX XXXX
|
| 05/28/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
|
This complaint is related to a XXXXXXXX XXXX XXXX that is provided through Synchrony Bank.
I reviewed my statement for XX/XX/2022 and noticed several charges that I did not make or authorize at gas stations that I do not go, in locations I don't go to. I was surprised that the charges were for other brands of gas stations ( XXXX ) than what the card is actually issued for ( XXXX ).
As soon as I became aware of these suspicious charges, I called the customer service number and they transferred me to their fraud department. I reported these suspicious charges. They told me it would take two months to investigate and they told me to continue to pay my bill. During the time that the fraudulent charges occurred, the company had increased my credit limit, which allowed the fraudster to charge more.
I never heard back and so I called again in XX/XX/2022. They told me that they did not have a record of my report and that they would document the matter and start to investigate it. I waited and nothing happened. I told my daughter about this stressful situation and she called the fraud department on XX/XX/2022 to determine what was happening. They still did not have a record of the report. My daughter and I filed yet another report and got a claim number ( XXXX XXXX ) so we could have a record. They said it would take 60 days to complete the investigation.
I received a letter on XX/XX/XXXX that stated " Good News! We completed a review of the claim on your XXXX XXXX XXXX account and found no fraudulent activity. The purchases in question were pending charges not billed to your account. Pending charges may appear as temporary authorizations before an actual purchase is completed. This commonly occurs at gas stations, restaurants, and online. If the purchase is not completed, the pending charge is removed. It's important to always review your billing statements for any unauthorized account activity. Find more information on how to protect yourself at synchrony.com/protect. If you have questions, please contact us at XXXX. We appreciate your business and hope you continue to enjoy your XXXX XXXX XXXX account. Sincerely, Your Synchrony Fraud Solutions Team. We're Here to Help XXXX. XXXX. '' Also, on the letter there is a visual that has a lock image and it states " {$0.00} Fraud Liability = You're never responsible for unauthorized charges. '' After I received this letter, I continued to receive statements with the same charges. I have tried calling the number on the letter and they are not available 24/7. I feel helpless, cheated, and truly don't know what to do anymore. And I continue to have fees assessed on the outstanding balance.
|
| 01/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
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|
On XXXX I applied for a sams club mastercard issued by synchrony bank. When I applied for the card I received no response or indication of approval or denial. On XXXX I called synchrony bank and explained I had applied for the sams club card and received no information on a status of my application and was not notified electronically or anything. Their online app just took my information and that was it. The rep at synchrony said because I had " fraudulent activity in my history '' ( which i have no idea what that even means as their has been absolutely no fraud activity on my credit report or any or financial account ever ) that I was required to submit to an identity verification process via my mobile phone to approve the account. i agreed and did their very bizarre verification request. After I was done with that they approved the request and opened the account. However it was very strange, as I have very good credit and no mad mark on my credit and I am not in a lot of debt, they gave me a very small line of credit but what really took me back is they assigned a ridiculously high interest rate to me. Like a predatory high XXXX some percent interest rate. This makes absolutely no sense as at the time of applying I had over a XXXX credit score. Fast forward to 1 week later I receive a letter in the mail ( file attached ) saying they didn't assign the best interest rate to me because of my credit. On the letter it states my credit is a XXXX based on XXXX. Anything above 750 is consider top tier credit so exactly how could I not qualify for their best rate based on my credit as my credit is nowhere near poor, it's quite the opposite. I have attempted a few times to call synchrony and question this as it doesn't seem right at all. They bounce me around on calls, won't address my questions, seem annoyed at the fact that I am questioning being charged in interest rate typically reserved for poor credit which I don't have and they just generally seem very against helping or answering me at all. Even after I point out the very letter they sent to me contradicts itself and proves my credit is very good they just wont address the issue. I have talked to 4 other people who have this very card and were very taken back by the process I had to go through let alone the treatment I am receiving. I even talked to sams club and they also confirmed the process I had to go through is unheard of and very odd. This to me seems to be very discriminatory on synchrony 's part as there is no justification for the poor treatment, credit rate/line. I should be afforded the same rates and line of credit as others in my credit rating category and I am not.
|
| 01/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
In XXXX, my XXXX XXXX XXXX told me they provided a promotional interest-free discount with CareCredit for 6, 12, 18, or 24 months. I had previously only heard about the six-month promotion, which I was planning on, so I told them six months when I paid for the XXXX service costing roughly {$2700.00}. I wasnt thinking straight that day, so the next day I wondered why I wouldnt have chosen 24 months.
Soon after, I called the XXXX XXXX, and they said they werent sure how to change it but that I should call CareCredit. I called CareCredit in late XXXX/XXXX XXXX and spoke with a supervisor there eventually who explained the process to me. He said the clinic can change the promotional period within 90 days of the original event. That was great -- I was only a few weeks after the original event, so I called the XXXX XXXX that day ; they instructed CareCredit that same day to change the promotional period to 24 months. I called back CareCredit, they said they had received the instructions from the XXXX XXXX and it would appear on my account within a few months.
Fast forward to the XXXX statement, when it showed that my promotional period had expired and since I hadnt paid my balance in full, I was charged {$360.00} in deferred interest. I called CareCredit to dispute this, and they told me they werent sure why that had happened. The agent on the phone said they saw notes on my account from XXXX and XXXX that said I would get the 24-month promotional period. They said they would correct the error, remove all interest, and the corrections would appear on my account within a couple of billing cycles.
Then, I recently received a letter from CareCredit notifying me that they would not be honoring the 24-month promotional period.
I called CareCredit again today and asked why the 24-month promotional period wasnt being honored. Now, CareCredit claims they never received anything from the XXXX XXXX instructing them to change the promotional period. The supervisor today, however, did acknowledge at least that the XXXX XXXX notified CareCredit on XX/XX/2019, that they wanted to change the promotional date from six to 24 months. But CareCredit now claims the XXXX XXXX did not follow the proper process.
CareCredit is the one who gave us instructions on how to change from six to 24 by having the XXXX XXXX submit their intent. The XXXX XXXX did so, and CareCredit acknowledged receipt of those instructions on XX/XX/2019, and said they would honor the 24-month promotional period. Their position to not honor it at this point is without merit, and they are charging me for hundreds of dollars in interest expressly against the original agreement.
|
| 01/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
The most recent response from Synchrony Bank mentioned an authorized user, after nearly 3 months of dealing with this situation and talking to numerous Synchrony representatives, this is the first time an authorized user has ever been mentioned. I never gave the authorized user on my account the card that was mailed to me ; the purpose was not for utilization, but solely for credit reporting. When I added the authorized user online I was not provided an option to opt out of a card being mailed, it simply asked for a name and nothing else ( not even a SSN or address ). Furthermore, I never questioned the whereabouts of the authorized user card because I was told numerous times that " my '' card was used. The latest correspondence from a Synchrony Bank specialist ( see attached ) mentioning the authorized user, prompted me to do a thorough search for the authorize user card, which I did not find. I 'm certain it was lost or stolen. At the time of the initial dispute, I was asked did I have possession of my card, I answered yes. I was never asked, and still have not been asked to this very day if the possession or whereabouts of my authorized user card could be confirmed or not. I never gave it much thought until now, and my request is for Synchrony Bank to confirm which card was utilized when the unauthorized charges were initiated. Also, during the issuance of a replacement card, I specifically requested that an authorized user card not be sent, Synchrony Bank not only sent the card anyway, they sent a total of 2 on separate occasions. When I called to address the matter, I was told nothing more than to shred the cards.
Moreover, the specialist stated that a new claim/investigation was opened on XX/XX/17, but there was never an adjustment to my account ; therefore, not only are the credit bureaus receiving and reporting these disputed charges, I 'm being charged daily interest on them which is reflected in the billing statements and the amount due. In Synchrony Banks latest response the specialist indicated that she reached out to me to discuss the account, I feel this statement is very misleading because the voicemail left by her stated otherwise. She stated that she was letting me know she received my inquiry and although she left her contact information, she specifically stated that there was no need to call her back. According to Synchrony Bank latest response, they are alluding that the issuance of a credit card that can not be counterfeited and the use of that credit card within 50 miles of the card holders address, constitutes liability even if the charges were not authorized and fraud is suspected by the card holder.
|
| 05/14/2015 |
Yes |
|
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Web |
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|
When I was in the process of refinancing my house 4 months ago, the mortgage company asked me to pay off my Synchrony bank consumer account. So, the escrow company issued a check to pay off the balance of {$9700.00} around XXXX. 20 days later, my account was still showing the balance of {$9700.00}. So, we called the customer service to check the status and they said our XXXX check might be lost. So, we cancelled the XXXX check and FedEx the XXXX check overnight on XXXX XXXX. Couple days after we mailed the XXXX check, my account suddenly became {$0.00} balance 2 days later ( I think they finally update the record from the XXXX check we mailed ).
Due to the {$0.00} balance showing on my account, Synchrony bank has returned the XXXX check. 1 week later after I received the returned check, my account balance has been updated to {$9700.00} ( they finally found out that the XXXX check has been cancelled ). Therefore, we FedEx the XXXX check overnight again on XXXX XXXX. I called on XXXX XXXX and talked to XXXX ( account manager ). She confirmed that she has the check and would make it will be cashed. By looking at the back of the check, we are sure that Synchrony bank has cashed the check on XXXX XXXX ( with proof of the stamp on the back of check ). The escrow company 's account also showed that the money has been cashed on XXXX XXXX.
However, Synchrony bank has never record this payment. I have made at least XXXX calls talked to different account managers. They all said that the record show the check has been reversed ( XXXX XXXX, the time XXXX returned my XXXX check ). No one wants to investigate what 's going on. I even faxed the copy of front and back of the check with Synchrony bank 's stamp on it, but they said it can not prove anything. They asked me to provide bank statement to prove myself. This is escrow company trust account. They can not provide the bank statement to me or to anyone else. Just like Synchrony bank, can they provide their company bank statement to me? Of course not. They try to make thing difficult.
On XXXX XXXX, when I called them again to discuss this issue, Synchrony bank asked me to pay off my account to avoid late payment record on the credit report so I did. Now I made the payment twice but they still claim that they did n't receive the payment made from the escrow company. They now have extra {$9700.00} in their bank account, but they do n't want to admit it. I do n't know what else I can do to get this issue corrected. For the big bank like Synchrony, they can not find out extra money on their bank account? I do n't believe it. Please help me to get this problem resolved. Thank you very much!
|
| 10/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Subject : Formal Complaint : Synchrony Bank Dear Sir/Madam, I am writing to address a recurring issue I have encountered with the applications for business credit cards associated with Synchrony Bank . On two separate occasions, I applied for a LOWES business credit card ( issued by Synchrony Bank ), only to be denied due to the reason stated as " High risk source of application. '' Subsequently, I attempted to reapply a year later, receiving the same outcome.
In an effort to seek clarification, I promptly contacted LOWES regarding the rejection, only to be redirected to Synchrony Bank. Despite my attempts to reach out to Synchrony Bank, I encountered difficulties navigating past their automated service as it prevents me from connecting with a representative to resolve the matter.
More recently, I applied for an Amazon business credit card, also managed by Synchrony Bank, and was, once again, denied with the same explanation, " High risk source of application. '' Upon investigating this designation, I discovered that it typically pertains to the flagging of potentially fraudulent applicants. It is crucial to emphasize that I have never been involved in any form of fraudulent activity or conduct throughout my life. Thus, I perceive this designation as an act of discrimination, potentially influenced by my name.
I would like to highlight that I run a successful business and maintain multiple business credit cards, including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, all in good standing with a flawless payment history. My credit score is exceptional, and I bear no personal credit card debt. Moreover, my business 's financial standing is exemplary, reflected in one of the highest business scores with XXXX XXXX XXXX. As a dedicated business owner, I am actively seeking opportunities to expand my business.
Regrettably, the recurring denials from Synchrony Bank lack a reasonable explanation, and there appears to be an absence of an appeals system within their process. I strongly suspect that I am encountering discriminatory treatment based on my name and assumption of my race and location. Therefore, I demand a comprehensive explanation as to why my applications for any affiliate business credit cards under Synchrony Bank have consistently met denials.
I find this situation entirely unacceptable and sincerely hope for your prompt intervention to resolve this matter. Failing a satisfactory resolution, I will be compelled to explore legal avenues against Synchrony Bank for discrimination.
I await your immediate attention to this pressing issue and a timely resolution.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Credit card company forcing arbitration
|
|
Web |
Older American |
|
As an XXXX year-old citizen, I know very well my vulnerability to covid-19 pandemic, so I got onlineto purchase face masks in early XXXX. The seller was XXXX.It charged me {$160.00} for 3 masks plus 2 as a reward. When FDA announced 66 XXXX mask-manufacturers, I emailed the seller twice, warning him I would cancel my order if his merchandise were made by any of the 66 XXXX mask-makers. But he just ignored my requests for verification of his goods. This is why I returned his package unopened on XXXX XXXX and emailed the USPS tracking number XXXX to his agent XXXX XXXX , asking for a full refund, which she promised to provide once the return package arrived. Unfortunately, my three consecutive emails were declared unable to deliver by XXXX, disconnecting my continued requests for the refund.
So I had to try to ask Paypal for help.Paypal promised me that the refund depends on my providing the USPS tracking number for investigation. However, Paypal some time later claimed that my return package was delivered to a wrong address, to which I strongly disputed, telling Paypal that the return address had been copied character by character on the seller 's package 's upper-left corner. which, common sense can tell, must be related to the seller. Paypal argued that the return address should be XXXX XXXX XXXX XXXX XXXX, XXXX, FL.XXXX, which was given to Paypal long after I turned to it for help.
However, as Paypal has insisted on its argument in favor of the seller, I had to refer my case to XXXX for its assistance. But XXXX of XXXX XXXX XXXX has taken no action so far. On XX/XX/XXXX, I tried to call XXXX and talk to a lady representative, who told me to try emailing to XXXX instead. I did, but there's no response as of today.
On XX/XX/XXXX, in the wake of my threat of turning to XXXX, XXXX XXXX, agent of XXXX responded at last. Talks were resumed with little result.I warned her that it would be a crime if her company intentionally gave a customer a treacherous return address. But she ignores my advice.
I have got online and kept talking with Paypal agents in the last two months. A few of them sounded willing to help, but no action was taken. An agent named XXXX advised me to directly appeal to Synchrony Bank, to which Paypal is related.she went so far as to provide me with the Bank 's checking account and its routing number as well. However, since the last four digit of my Paypal credit card she provides ( XXXX ) is different from my record ( XXXX ), I can't help wondering if her information is true.
It might be a crime for me to take action hastily.
Conversations between Paypal and XXXX would be provided at your request.
|
| 08/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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|
I received a text message from my Father on Monday XX/XX/2020 In reference to a purchase in the amount of {$6.00} that he made on his PayPal MC through Synchrony Bank and the item never received. My Father put in a dispute and the {$6.00} was refunded. On XX/XX/2020 the same merchant put a charge in the amount of {$95.00} on his PayPal MC. My father is XXXX years old and has a XXXX and is unable to speak to use the phone. This is were I came in to help my Father. I called Synchrony Bank on or about XX/XX/2020 to see what process needed to be completed to help my father rectify this issue. I was told by a customer service representative that I needed to have my father type up a letter with his name, address, SS, DOB, Synchrony CC account number my name, address, SS and DOB have my Father sign ( no notary needed I asked ) and fax it to a specific fax number. This would be a lead time of 7-10 days and to call back to see if they received the letter. I followed their instructions and when I called back they did not receive the letter. I faxed the letter again, waited 10 days called back and was told that was not the proper process. I was told by a supervisor in a not very nice manner that my Father needed to obtain a durable power of attorney and I need to fax the POA to a specific number. Additionally, I was told by the supervisor that if one thing was wrong with the POA it would be denied. To review the POA this would have a lead time of 7-10 days and to call to see if received. My father received notification in the mail from Synchrony Bank on XX/XX/2020 that they received a request from my Father to add a POA to his CC account and that additional documentation was needed. On XX/XX/2020, I spoke with a Synchrony Bank customer Representative that explained to me that not only would I need to complete additional documents that I need to sign and have notarized, that they need to receive a letter from my Father explaining exactly what authority he would want me to have. I tried to explain to the representative that a durable power of attorney states what authority I have. I first reached out to Synchrony Bank on or about XX/XX/2020 and it is now XX/XX/2020 and I have not been able to resolve or help my Father 's problem. Meanwhile, on a daily basis he received numerous phone calls, emails and mail in regards to his account not being paid. Additionally, his credit score has gone from the XXXX to XXXX. I will complete the steps that need to be taken to received the authority needed to resolve this problem. My problem is each time I call I have to send more information due to not receiving the correct information each time I call.
|
| 03/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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In XXXX of XXXX, I had to get a root canal. At my dentist 's office, I was told about Synchrony Bank and something called CareCredit where I could get a loan to pay for this medical cost. At the time, I thought it a good idea because I was told by a representative of Synchrony Bank that it was a promotional finance loan where the first year of payments would be interest-free and any remaining balance after the initial twelve months, I would then be charged interest on that balance. I signed up for the service and the secretary at the dentist 's office printed the paperwork out for me. I took the paperwork home and looked it over. I then called Synchrony again to ask more about the loan. I was told a second time that the first year would be interest-free on any payments I made.
This turned out to be partially true. While I did not pay any interest in the first year, because I carried a balance in XXXX of XXXX, the company than turned around and tacked on all the interest I did not pay over the year to my remaining balance. When I questioned them about this, they told me that it was clearly printed in the paperwork on each statement that deferred interest would come due if I did not pay the whole loan by the end of the year.
I found their promotional deal deceptive for this reason, two different reps when explaining the details of the loan did not mention having to pay deferred interest, instead, they highlighted no interest for the first year and paying interest on what was left in the second year.
I have looked over the paperwork, which I held onto. And while I can see now that it does indeed state that to avoid paying deferred interest payments, I must pay all of their promotional loan in full at the end of the 12 month period, no one took the time to make sure that I fully understood this.
I do take responsibility for not looking over everything more carefully. My issue is with the way that this loan was advertised to me with important details verbally left out and giving me the impression that the product was one thing when in reality it was something else.
At XXXX XXXX, for instance, when I took out a loan there, the banker took the time to explain all of the details and what they meant. If I had known, and I do take partial fault for this, but if I had realized the exact terms, I would have gone to XXXX XXXX where I could have gotten a much better interest rate.
When I spoke to one of the managers at Synchrony Bank about this, I found her arrogant and patronizing. She also told me that how the employees at the bank explained the terms of the loan were not relevant to my situation and then she hung up on me.
|
| 02/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a " High Yield Savings '' account at Synchrony bank on XX/XX/23. I funded the account via an ACH pull transfer into my Synchrony account from an external account I held at another financial institution. I submitted the ACH request at Synchrony on Wednesday XX/XX/23. The funds were withdrawn from my external account on Thursday XX/XX/23. The funds should have been received and posted to my Synchrony account on Friday XX/XX/23, yet the funds were not posted until Monday XX/XX/23. Synchrony did not credit me interest for the period between XX/XX/23 to XX/XX/23.
I called Synchrony and asked for the missing interest to be credited. They refused. They claimed that ACH deposits can take up to 3 business days. I told them that XXXX, the institution which manages the ACH network, told me the transfer only takes XXXX days and that based on the dates I conveyed to them the funds should've reached Synchrony on XX/XX/23. XXXX also indicated that financial institutions who participate on the ACH network are required to post funds on the day they are received. I asked Synchrony to provide me a copy of the ACH transaction log, which includes the relevant dates including date of funds receipt, a log which XXXX told me is available to financial institutions. Synchrony refused to share the transaction log for my ACH transfer.
Here is the relevant funds availability clause from Synchrony 's account agreement : " Funds from ACH deposit transactions that we originate for you will be available for withdrawal on the fifth Business Day after the deposit has been credited to your account if the deposit is the initial deposit to your account and on the third Business Days after the deposit has been credited to your account for subsequent deposits to your account. If you register your external account with us and complete the Banks random payment verification process for that account, funds from all deposits from that registered external account will be available for withdrawal on the Business Day that we receive the deposit. '' Source : https : //www.synchronybank.com/documents/account-agreement.pdf I registered the external account on XX/XX/23 and entered the ACH random deposit amounts into my Synchrony account on XX/XX/23, after which the external account was marked verified. I initiated the ACH pull transfer using that verified profile the same day. In other words, I satisfied Synchrony 's stated requirement for funds being available " on the Business Day that we receive the deposit ''.
Based on my online research many other account holders at Synchrony have experienced similar delays in deposit posting and missing interest accrual.
|
| 02/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
Visited Ashley XXXX XX/XX/23. Purchased a power lift recliner ( XXXX ) online inside the store ( chair unavailable in store ). Recliner delivered XX/XX/23. One hour after delivery, noticed the arms of the chair wasnt secured to the seat of the recliner, leaving a huge gap between the base and back of recliner ( a dangerous safety hazard for my elderly mother ). Contacted XXXX the delivery guy, stated would get with warehouse manager, if an associate could come by. On XX/XX/23, contacted the protection plan, informed of defect and a ticket was created. On XX/XX/23, XXXX came to home, attempted to close the huge gap, stated chair assembled correctly and agreed defect in the recliner. On XX/XX/23, associates attempted to deliver and 2nd recliner, assembled chair outside of home and XXXX chair had the same defect as original. Both defected recliners were loaded onto truck # XXXX @ XXXX. An hour after the unsuccessful delivery and return of the original defected recliner, I received a call from XXXX who wanted to make another appointment for a 3rd delivery. I informed the associate the recliner ( XXXX ) has a manufacturer defect and I did not wish for another delivery of the recliner. I also informed her the store had no recliners in house that would meet my needs and I would like a full refund of the defected recliner. XXXX apologized for the issue and stated she would put in a ticket for a refund and it may take 30 days for the refund to be credited back to my account. Several hours later, I received a text to reshedule a delivery. On XX/XX/23, I received another text and a call to reschedule a delivery. I informed that associate, I would not be purchasing a recliner and was awaiting my refund, the associate apologized and stated she would note this and I should no longer recieve any text. On XX/XX/23, I received another text to reschedule a delivery. I made 2 phone calls to customer service and spoke with XXXX and XXXX and requested that the text cease and inquired about my refund. I was informed by both associates that XXXX does not do " refunds '' and I needed to reschedule a delivery. I informed both associates again that I was no longer in possession of the recliner, the recliner was defective and a huge safety risk because of the defect that could cause a severe injury to my elderly mother. Unfortunately both associates continued to give me the same script. XXXX states it has a 30 day return policy on defective purchases made online and in store. This recliner was ordered online inside the store by XXXX.Please note the recliner was XXXX, 5 year protection plan XXXX, delivery XXXX and taxes XXXX, total cost {$1300.00}
|
| 10/16/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XX/XX/2018 I closed on a Home Equity Line of Credit with XXXX XXXX XXXX XXXX, the title company was XXXX XXXXXXXX XXXX XXXX XXXX. I received a paper check from XXXX XXXXXXXX XXXX XXXX XXXX to pay the balance of my XXXX XXXX XXXX credit card, which I took to the XXXXXXXX XXXX XXXX XXXXXXXX location on XX/XX/2018. When I went to make a payment to XXXXXXXX XXXX XXXX On XX/XX/2018 my balance was way higher than I originally thought. After reviewing the XX/XX/2018 statement, I saw on XX/XX/18 an Adjustment - Payments of {$1100.00}. I immediately contacted XXXX XXXX XXXXXXXX XXXX, and was informed that my bank reversed the XX/XX/2018 payment. I immediately contacted XXXX XXXX XXXX XXXX and after a review was connected to XXXX XXXX. After her review, she confirmed that a check from my HELOC of {$1100.00} was distributed through XXXX XXXX 's office. I than called XXXX XXXX 's office and spoke to Ms. XXXX XXXX - XXXX, I explained what had happened with my account.She told that in XX/XX/2018 XXXX XXXX XXXX drafted their account twice, and that after many inquires and an investigation, that in XX/XX/2018 a reversal was granted and was told to resolve it myself. I told her I was upset that no one contacted me regarding the problem in XXXX or any other month. I called XXXX XXXX XXXXXXXX XXXX location and explained what happened to coach XXXX XXXX. After her review, I was informed that the XX/XX/2018 check was deposited electronically, and deposited, she than told me she would speak to the XXXX XXXX XXXX/XXXX XXXX XXXX. I than contacted XXXX ( XXXX ) explained what I was told by the XXXXXXXX XXXX XXXX representative ( XXXX XXXX ), XXXX offered to send a copy of my settlement statement ( which she did ), and stated she would check with her manager on a course of action. When I called XXXX back she stated her manager said it was not their problem and to contact XXXXXXXX XXXX XXXXXXXX. I than called XXXX XXXX XXXXXXXX XXXX again and was told to contact the bank that issued/reversed the check. I than had to contact Ms. XXXX - XXXX ( XXXX XXXX ) since their bank issued the check. Ms. XXXX - XXXX stated the problem was what I had told XXXX the previous day, and that I needed to resolve it with XXXX XXXX XXXX. I then called to speak to XXXX ( XXXXXXXX XXXX XXXXXXXX location ) than went to XXXX XXXX XXXX XXXX location to request help once more. I emailed the copies of the two checks, and was told she would contact the liaison. I than contacted Ms. XXXX XXXX - XXXX for a copy of the reversal, and was told it wasn't available because it part of a dispute. As of today the reversal was an electronic transaction between XXXX XXXX and the ACH.
|
| 02/19/2016 |
Yes |
|
|
|
Web |
|
|
I am disputing the regular purchases balance of {$550.00} and quick cash balance of {$68.00} AND my promotional balance@3.99 % because the interest increased when the balance decreased! ( {$13.00} on {$4100.00} and {$14.00} on {$4000.00} ). Here 's why. On XXXX/XXXX/XXXX two calls were made by my mother XXXX XXXX, to Synchrony bank. First to rify /again that all payments over the minimum payment could/would be applied to regular/cash purchases. The second call requested, and XXXX verbally confirmed, that everything paid ( {$410.00} ) over {$66.00} ( {$340.00} ) could and would be applied to regular and pay off the cash purchases balance.
It was n't. During a 2 hour phone call to XXXX on XXXX/XXXX/XXXX, who claimed to be a supervisor but was n't, XXXX was told {$100.00} ( Misc Adjustment ) was a charge along with a cash advance PayPal purchase of {$150.00} which was not true. XXXX argued the charges were legitimate and the {$260.00} cash payment listed with them did not XXXX out the charges and prevent correct allocation. XXXX was put on hold numerous times while XXXX contacted superiors and the accounting department. Finally XXXX said the {$100.00} was the amount credited to the regular/cash balances and {$150.00} needed to be reallocated/credited. No one understood the charges XXXX out the {$260.00} payment -- OR that a portion of the {$150.00} INCREASED the cash advance balance which INCREASED interest charges and decreased my promotional 3.99 % balance. Eventually XXXX asked XXXX what the regular/cash balances should total and she gave an estimate. XXXX said the account would be corrected in 3 to 5 days.
On XXXX/XXXX/XXXX XXXX called and XXXX said she was a supervisor with the authority to act. After ten minutes XXXX insisted on speaking to a real supervisor. After a long wait XXXX answered and said she was a manager. XXXX insisted on speaking to me ( XXXX XXXX ), at my request, because of an identity theft incident years ago. I 've made multiple calls since then, and been assured at the conclusion of each call, that XXXX XXXX would be listed on my account PERMENANTELY to speak on my behalf -- my mother can verify my identity. XXXX spoke to my mother about the account without insisting on further verification, and told my mother the account would be corrected by the accounting department but was n't. This phone call was approximately 45 minutes. I contacted XXXX by phone as she requested but she did n't return my call as promised. If XXXX/Synchrony Bank needs more verification to correct mistakes ( because a thief would spent countless hours arguing on my behalf ) you 'll have to reach me by e-mail as I told XXXX.
|
| 12/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Recently opened up a Walmart credit card under a promotion of no interest for 24 months if your purchase exceeds a certain amount ( which mine did ). I purchased merchandise in preparation of grad school with the intent of paying a little back from each paycheck I receive from the school. I paid three payments then when the fourth one was due it slipped my mind as I became extremely busy with papers, homework, etc. I thought it was due XX/XX/XXXX when in reality it was due XX/XX/XXXX, but I found this out because after i missed the deadline ( 7 days later ) i started receiving calls from a robo automated message telling me that it is the bank and they are with Walmart and gave me a number to call. I assumed this to be some sort of scam as what business would call you trying to get ahold of you to tell you to call a different number? So ignored until I got so annoyed and stressed ( 4 straight days of calling leaving one automated message usually while I was in class, one of the days I actually answered and it was still a machine automated message!! ) I finally opened up my laptop to see who they are. This is when I realized they are pretty much the debt collectors for Walmart so I instantly paid ( today ) once I realized the little mistake I made ( that apparently was justification for harassing me calling me everyday ). Then I start thinking I do n't remember to giving them my number or to a debt collector so I went on my online portal for Walmart and realized I gave it to Walmart ( run by synchrony bank aka the bank that wo n't stop leaving me automated messages ). Further looked into the place I gave Walmart my number and i apparently checked the box that said they are allowed to contact me about my account ( which I guess debt collection is?? Even though the average person would n't think this is what it entails ) and use automated robo messages from third party. Funny thing is today is the first day I have recieved an email notice that I missed my payment after XXXX days of calling and leaving confusing phone messages. In the voicemail they were also very secretive about what the purpose of the call is which is why I thought it was a scam. They just gave their information and a number to call them at, but no way to stop these calls!! Word of advice realize when your are checking a box to receive information about your account realize you somehow explicitly consent to debt collectors harrassing you in the process. Oh and also realized when I checked through my statements that they are charging me interest going directly against their promotional 24 month no interest. All one big stressor impeding on my school work
|
| 03/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Please be advised that I have attempted to resolve this matter with Synchrony Bank, but the Synchrony has been non-responsive and completely ignored any attempts at providing good customer service. I am upset that Synchrony Bank took extreme measures to ruin my credit, including not contacting me regarding the one late payment that I had on my account.
Currently, my credit report is reflecting one 30-day delinquency for XX/XX/XXXX and one 60-day delinquency for XXXX of XXXX on this account. I am not disputing the late payment in itself, but I am very upset that Synchrony would not take the time to understand my circumstances and assist me with this matter.
I opened a XXXX XXXX XXXX XXXX card in XX/XX/XXXX. I consistently made my minimum payments each month. In XX/XX/XXXX, Synchrony urged me to enroll in paperless billing and I did. I have consistently had both a monthly {$5.00} recurring charge and corresponding {$5.00} auto-draft payment take place on the account with minimal usage otherwise. On XX/XX/XXXX, I made a {$33.00} purchase that I forgot I charged to my XXXX XXXX account and did not increase my automatic payment to cover this purchase. Synchrony assessed multiple late payments which caused this {$33.00} purchase to grow into a {$140.00} balance. In XX/XX/XXXX, I checked my credit report and only then realized that this account was delinquent.
Synchrony Bank has all my contact information on file ( address, phone, email ) but never contacted me regarding this past due balance. According to the Synchrony representative that I spoke to, because I was continuing to make a {$5.00} auto payment each month and was therefore making monthly payments, Synchrony had no obligation to send me a notice.
I immediately called Synchrony customer service line and explained the situation to a supervisor named XXXX in the XXXX, OH call center. She took all my information and promised that I would receive a response within 30 business days. That call took place on XX/XX/XXXX. To this day I have not received any contact or correspondence from Synchrony replying to my inquiry.
This has ruined my credit and caused me immense mental and physical stress. As a loyal Synchrony customer who paid her bill on time each month, I do not believe that Synchrony should continue to cause me such mental stress and ruin my credit. Lenders such as Synchrony should not be allowed to prey on unsuspecting customers, ruin their credit and then refuse to provide them with good customer service. I request that any outstanding balance be waived and this tradeline either be removed from my credit report or be updated to show as never past due.
|
| 01/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
The Following is my Fraud claim directly to XXXX XXXXXXXX XXXX card, I am also mailing a certified letter with all the following information : Attached are : My claim of fraud, Affidavit of Fraud and certified letter to be mailed on XX/XX/XXXX RE : XXXX XXXX Card acct. # XXXX XXXX, REQUESTING EXPIDITED HANDLING I am formally claiming fraud on the above mentioned XXXX credit card. The balance and status XXXX is reporting to the following Credit Bureaus ; XXXX, XXXX and XXXX is grossly inaccurate and as a result, I am in immediate danger of harm and serious financial damages.
ISSUES : I have been pre-approved for a large mortgage around {$600000.00}, the closing is Monday XX/XX/XXXX. Therefore I am requesting XXXX to either remove the entire tradeline reported in XX/XX/XXXX or update it. Specifically the entire balance and status of this account at least until a proper investigation is completed.
I am disputing the balance ( should be XXXX balance ) and the status ( closed by credit grantor ) I am confident the investigation will confirm my claim.
To help speed up the process and avoid any delays, I have attached an affidavit of fraud that is specific and contains all I know concerning the above mentioned account.
I have also filed similar disputes with XXXX, XXXX and XXXX to preserve my right to file a civil complaint for damages against XXXX in the event a reasonable response is not obtained and I suffer damages as a result.
**Additionally, in the event XXXX attempts to conclude any charge or transaction belongs to me I am requesting all unredacted documents considered and/or used to conclude XXXX investigation. I am also requesting the following information.
A list of how each charge was transacted. In other words, by phone, online or in person The Last time ( date ) a card for the above mentioned account was mailed and to what address.
If a card was mailed to me in XXXX, when was it mailed?
If a card was mailed to me in XXXX, a. ) did it need to be activated and if so, how was it activated b. ) If the card was activated online, what was the IP address used?
c. ) If the card was activated by phone, what was the phone number used?
5. What specific information was used to activate the card?
I am hoping XXXX will take this seriously as it is a serious matter. I am further requesting all correspondence be done in writing to assure all sides have the same factual history and information. This will also provide fair and equal access to facts.
*NOTE : i will accept communications via email, USPS , XXXX, XXXX or through any secure platform XXXX would like.
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX
|
| 02/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
XXXX. In the month of XX/XX/2022 i made 7 transactions of same amount {$1500.00} and one of {$1000.00} to purchase my XXXX package from XXXX ( Package provider ).
Because of the high value international transaction my card was blocked as a result bank replaced my card.
XXXX. The XX/XX/2022 statement reflects all the transaction including BALANCE TRANSFER due to replacement CARD and shows the NEW BALANCE = {$12000.00} XXXX. On XXXX XX/XX/2022 i made full payment of - {$12000.00} to paid off last statement balance XXXX. Since my trip was canceled by the provider, they made refund of {$11000.00} on XX/XX/2022 and XX/XX/2022 XXXX. On XXXX XX/XX/2022 i received Refund check of {$11000.00} from the bank against my request XXXX. All the above activities ( 2-5 ) reflects on the statement of XX/XX/2022 and shows the NEW BALANCE = {$340.00} XXXX. I was using my card as usual and everything was fine until XX/XX/2022 XXXX. In the month of XX/XX/2022, i suddenly found an entry of " BALANCE TRANSFER XXXX GA '' with the amount of {$1500.00} in the transaction detail section. Then I went through all my statements since XX/XX/2022 ( as available in the portal ) very mindfully but did not find any reason or evidence to justify this balance transfer.
XXXX. I started talking to the bank and asked them to explain me the scenario, however, no one was able to explain anything rather than transferring the call from one department to another department. In the mean time fraud department again initiated a card replacement process.
XXXX. Then on XX/XX/2022 i found another ( 2nd one ) entry of " BALANCE TRANSFER XXXX GA '' with the same amount of {$1500.00} on top of the previous balance issue XXXX. Then after a lot of phone call one Custome Service Representative was able to understand that this balance transfer is not valid as because there is no such evidence in the past statements. He then initiated a process for adjustment and on XX/XX/2022 i found 2 adjustment happened.
XXXX. I was so happy as the issue was resolved, but then on XX/XX/2022 i found again another ( XXXX XXXX ) entry of " BALANCE TRANSFER XXXX GA '' with the same amount of {$1500.00} has come.
XXXX. I started calling the bank again but there is no resolution. At one point they asked me to wait for the next bill cycle that may resolve the issue but nothing happened rather the bank started charging me interest.
As of now i am not getting any further cooperation from the bank therefore seeking your help to save me from this huge personal liquidity damage.
On the other hand, if i really owe anything from bank then i will for sure pay off the amount instantly.
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On XX/XX/XXXX, and XX/XX/XXXX, Synchrony Bank reported two Time-Barred entries to XXXX and XXXX Credit Bureaus. Neither entry was reported with an account number or payment history and both entries are reporting incorrect " Last Date of Payment '' dates. They reported 2 old accts to XXXX and 1 old acct to XXXX.
The first one identified as Synchrony Networks is a HH Gregg account. Synchrony reported it to XXXX and XXXX. I purchased a TV fin XXXX ( see attached receipt ). My credit limit was {XXXX} and I paid the TV off in XX/XX/XXXX ( 13 months ) never late no missed payments. HH Gregg was running an interest-free promotion until XX/XX/XXXX. Synchrony is reporting to XXXX that the last payment date was XX/XX/XXXX, credit limit of XXXX}, high credit of XXXX}, months reviewed 99. ALL INFO IS WRONG! They reported it to XXXX on XX/XX/XXXX, which was 10 years later and it will remain on my XXXX credit report until XX/XX/XXXX, which will be 17 years from the last payment and activity date. They reported the same acct to XXXX under acct # XXXX with XXXX} credit limit and high balance of {XXXX}. They did not report the date of last payment, date of last activity, or payment history. They reported it to XXXX on XX/XX/XXXX, this was 7 years after I paid the acct off. XXXX should have REMOVED it XX/XX/XXXX, yet it remains on my credit report 15 years later and I have no idea how long it will remain on my XXXX credit report.
The second one identified as Syncb/XXXX XXXX was reported to XXXX only. This was a XXXX credit card that I opened in XX/XX/XXXX for repairs to my XXXX XXXX XXXX ; it was a 90-day same as cash promotion and I paid it off in XX/XX/XXXX and DID NOT use the card again. Synchrony They are reporting an XXXX} credit limit and XXXX} high credit which is correct, and a Date of Last Payment XX/XX/XXXX which is WRONG. I DID NOT make a payment on XX/XX/XXXX nor did it take me 2 years and 4 months to pay off {$370.00}. They reported it to XXXX on XX/XX/XXXX, this was 11 years after I paid off the account. This acct is TIME-BARRED from being reported for both the dates - 11 years after I paid it off and 9 years after the date of last payment Synchrony is reporting. It has been on my credit report for 16 years and XXXX will remove it in XX/XX/XXXX which will be 18 years.
I'm not sure why Synchrony keeps re-aging these 2 XXXX-balance accounts, other than to keep them on my credit report! I have NOT applied for any credit with them in the last 7 years and I WILL NOT apply for credit with them.
As you can see on the receipt - my credit limit was {XXXX and my highest balance was {XXXX} the date I purchased the TV.
|
| 05/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a voicemail today, XX/XX/XXXX at XXXX CST stating that my immediate attention was required requiring file number XXXX in reference to a complaint that may be filed against me. I was informed to call XXXX to discuss pending allegations. Failure to correspond would result in the department proceeding forward without my consent.
Not only did they call me, but they have called my uncle in XXXX, a brother and his wife ( both at home and at work ) in XXXX. At this point, I don't know who else they may have contacted.
When I first called, I only gave the referenced file number, but refused to confirm my full name and last 4 digits of my social. I then asked for them to mail me whatever it was they had on me, and the woman hung up on me.
After hearing from my uncle and brother, I decided to call back. I immediately asked the name of the company and was told by XXXX XXXX ( XXXX ) that it was XXXX XXXX out of XXXX, XXXX. I was also told that I had a pending civil law suit against me for a JC Penney credit card ( owned by GE Money Bank ) and that the account was left unpaid and in collections, until it was charged off in XX/XX/XXXX. They also informed me that XXXX has a statute of limitations of 4 years, but that it wouldn't expire until the end of XX/XX/XXXX. I was told they were already in pre litigation and would be charging me with a 10 year civil judgement. They said I had the ability to settle out of court for the amount of {$320.00}, but if we went to court it would be {$2000.00}.
I again asked for this information to be mailed to me, but was told they could email me immediately, once they had permission from the lawyer. While I was on hold waiting for this to happen, I pulled a copy of an old credit report that I ran on XX/XX/XXXX by XXXX. The report then clearly stated that I had a credit limit of {$200.00}, a high credit of {$52.00}, a balance of {$0.00} and a past due of {$0.00}. It also shows that this card was paid on XX/XX/XXXX, closed on XX/XX/XXXX and verified on XX/XX/XXXX. Once the woman came back on line, I told her this and that I wanted to dispute the claim. She said that it didn't matter, that they would go off of their records and not mine, and said that I could reach out to JC Penney for verification, but that they would delay filing this in court until tomorrow.
Now that I have the name of the company, I XXXX them and found several other people claiming that this was a scam, that the company was using old debt for a quick buck to " settle out of court. '' It looks like they also go by XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX, and that they're a phantom group for XXXX XXXX XXXX.
|
| 04/28/2015 |
Yes |
|
|
|
Web |
|
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I am so displeased with this company care creditXXXX. Learned that care credit is not for everybody. Care credit has deceptive credit card marketing and sales. I have an active care credit account with this company. When signing up for the care credit, health care representative signing my mother and I up never explained about how care credit works nor told us about the reoccurring monthly interest that would be happening after promotional period had ended. My mother and I was not informed that care credit is in fact a credit card and never received our enrollment paperwork from this company when first signed up. The representatives told us this was the only option to pay for our expenses at the emergency XXXX hospital. Pressuring vulnerable, naive and helpless individuals at the time of need to sign up with care credit because it 's there only option is not right. The health care receptionist only relied on the pamphlets and did n't seem trained upon care credit procedures and policies. I have contacted Care credit on numerous occasions about this to only get no real help at all from customer service and management.
Care credits late fee policy is flawed in many ways as well. Even when you send in a post dated payment with this company they will not go by post date, but whenever they choose to look at the mail will be the date posted to the account. This can be very misleading for clients when sending in payments because its not our fault that mail carrier methods can be delayed at times. I had to contact the company XXXX about this matter to only resolve the issue by the manager about the late fees occurred during those times that it was mailed before due date and was posted after due date to only receive a late fee without knowing. The managers waived those late fees that occurred and I have never been late since then.
I have even did research on the credit card company Care CreditXXXX and I have found that my situation is happening all over and has happened to many in the past. Why do care credit keep doing this to there customers. I have also become a victim of care credit deceptive ways and poor trained staff upon enrollment process at the time. If I was to have known that this companies ethics was like this I would of avoided it at all cost. The way I have been bamboozled to borrow money from this company is not right. It 's a shame that I feel stuck with a company like this that has many deceptive ways. Why does most car loan companies only charge you a XXXX time interest fee upon your borrowed amount, but care credit choices to charge you over 25 % interest every reoccurring month ridiculous scheme.
|
| 02/21/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
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Synchrony Bank XXXX : To whom it may concern, I have been through a horrific experience with Lowes/Synchrony during the past 10 years dealing with this flooring installation matter that happened in XXXX and thought it was resolved, but here we go again, it is still biting me in the butt as it shows unresolved. Here is what happened as a quick overview : Purchase new flooring/installation from Lowes in XXXX They offered me interest free financing It took them an additional 4 months to install after breaking toilets and having issue with product They extended my interest period and offered discount to remedy Interest Hit!!!!
Went to Lowes, they just switched banks to Syncrony, said they would fix it would take a few weeks After multiple visits and phone calls to them, I actually witnessed them acknowledging to Syncrony bank of their mistake. Synchrony/Lowes says it would be fixed fast forward Still not fixed Bounced around multiple execs/higher ups/ said they would look into nothing I pay all my bills, at this point, it was just the principle of being screwed over Nothing happened, wasnt fixed Fast forward to XXXX Buying home They recommended me paying minimum payment toward account as it was showing negative impact on credit until i got house Tried to resolve again after buying house last attempt.. Talked to managers reps you name it, NO Resolution promises, but nothing.
It still shows up as I did not pay. I paid in full and god knows how much over what I was actually supposed to pay. I want to get this resolved as it is reporting completely false once and for all.
I am even willing to pay {$250.00} out of my own pocket to remedy this situation as a worst case scenario. Please show me that you care and remedy this situation asap.
Best, Lowes-XXXX This is the letter that I was told to mail. I sent 2 followed up with emails and phone calls. I was hung up on twice and they would not let me speak to anyone in a management position that would have the ability to help. I've also disputed this through a third party credit specialist company 3 years ago and 3 times in the past 2 months with XXXX & XXXX XXXX. During that time, they actually hit my credit report with an unauthorized 30 day late payment that dramatically affected my credit report by -40 pts. They did resolve that after an email & additional dispute, but still had a detrimental effect on my credit report.
This judgement is placed purely in principal and it will not waiver. As you see my credit report it shows approximately 45 accounts in superior standing and only 1 that has been serving me unlawful injustice for the past 10 years.
Please help!
|
| 08/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My issue is that Synchrony Bank Lowes Credit Card is not living up to their advertising of purchase protection on item place on their credit card. I have repeatedly filled disputes which have been immediately closed with any investigating.
On the below dates I purchased Kitchen Cabinetry from LOWE 'S HOME CENTERS, XXXX XXXX XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX in the total amount of {$25000.00}. Of which {$7000.00} was placed on a Synchrony Bank Lowes Credit Card.
XXXX Total amount {$23000.00} {$5000.00} Charged to Lowes Credit Card XXXX Total Amount {$2000.00} all of which charged to Lowes Credit Card The Kitchen Cabinetry had major defects on nearly every door and draw front. It also had numerous other defects. I brought the defects to the attention of Lowes starting XX/XX/XXXX. There has been an email chain exceeding 80 emails. I have provided in person evidence of the problems. 40 + photos. Lowes and the cabinet manufacturers made a site visit and acknowledged the issues and promised to resolve them. There have been countless promises to resolve the problems in person, verbally by 6 employees and in writing. I have spent countless hours documenting and providing information to Lowes and the credit card company. The last official response from the local store was on XXXX where XXXX XXXX stated they were contact with the vendor regarding compensation for the cabinets. And they look forward to getting this taken care of promptly In addition at the suggestion of Synchrony Bank I have made 3 complaints directly to Lowes Corporate see below. Again, lots of promises but no follow-up.
Synchrony Bank Credit Card Disputes- Ignored In XXXX of XXXX I filed the 1st of 5 or 6 disputes with Synchrony Bank Lowes Credit Card for the amount of the cabinetry placed on their credit card. The first 4 disputes were closed stating that the Store was working with me to resolve the dispute. I repletely explained to Synchrony Bank that they were not and provided email documentation. Every time they closed the dispute, I would call them to explain that they were not working with me. They would say no problem and tell me to reopen the dispute. The last 2 times I reopened the dispute in XXXX and XXXX of XXXX they have closed them stating I have not provided any addition information.
They advertise their credit card to have purchase protection yet they are not even attempting to honor that or assist me in any kind of resolution. Please help. This is all just wrong. I dont have money to fight this with a lawyer but I will if I have to.
XXXX XXXX XXXX Corporate Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employee # XXXX XXXX
|
| 10/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
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I filled already two times a complaint with XXXX, the first time the email was lost and the 2nd time it stated the problem was solved. Beginning of this year I went to XXXX XXXX and looked for furniture, because I was in the progress of buying a house. We looked at furniture a couch and a Dining set. The sales person wrote down some prices however not a detailed listing. The sales person told us we could do Payments or even apply for a in store credit card for the Furniture. I filled out the application for the Credit card and was approved. However we just looked at furniture at the time and see how much it would cost us and how long it would take the get the merchandise. The sales manager told us NO MERCHANDISE will be ordered until we mad a original payment of {$25.00}. WHICH WE DID NOT MAKE. After we left the Manager took it up on himself to charge the Credit card for the Furniture. We never got the Merchandise and I found out when I received my Bank Statement from Synchrony Bank he charged and maxed out the CARD. WHEN WE CALLED THE MANAGER TOLD US HE ORDERED THE MERCHANDISE ALL HE NEEDED WAS A SSN AND HE HAD THAT. EVEN BREAKING HIS OWN POLICY NO MERCHANDISE BE ORDERED UNTIL THEY GOT A PAYMENT OF {$25.00} WHICH THEY NEVER GOT. We went to the store again, and were finally able to speak to the store manager which was not the Person we were dealing with, this time it was a women and the first time it was a male. He claimed he was the Manger to turn out he wasn't, Well the Manager said she will work with us and get us the merchandise however all the sudden the merchandise was over 1 k more than what they charged my card with. So we ask if they price matched and we got told they did. We found 3 different sellers with the same merchandise over half cheaper what they wanted from us. All the sudden they did not price matched no more. Then we ask to refund the money on the credit card since we NEVER got any Merchandise and the Manager tried to see if we would like something else for the Amount which was charged. Well we did not like anything so she finally agreed to credit the money back to the Credit card. This has not happen to this day. I get charged late fees for a credit card I never used. And I have no Couch or table to show for. We addressed this twice to XXXX and they claim the problem has been solved. IT has not. Now we were informed to contact you, and I hope you are able to help us with this matter.
Besides this matter went on my credit report, however I refuse to pay for something I did not charge. I hope you are able to help us to solve this matter, since we been dealing with this since XX/XX/XXXX.
|
| 04/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Good Morning, I made a payment to PAYPAL SYNCHRONY and then I DELETED my bank information right after because PAYPAL likes to make unauthorized charges directly to the bank account. I thought all was fine then I get an email stating my payment was returned and I have been charged a fee. I emailed my bank and they show absolutely no return or payments made so this is something on SYNCHRONY 's end. The only thing I can think of is I deleted my banking details too soon, but I made a transfer of {$2.00} just fine so that does not make any sense. I told them to refund the fee and I will try again and leave my bank until the payment actually posts, but I just got a vague XXXX answer from CSR so now escalating this again.
Thank You Please refund the {$29.00} fee and I will reprocess the payment. The only thing I can think of is why the payment failed is because I deleted my banking information right after making the payment which I am not sure why that affected it as I made a transfer to my bank of {$2.00} and it was successful, but I will NOT be leaving that saved anymore due to PAYPAL charging purchases directly to my bank account without my authorization.
Please advise.
XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX hello please advise why my payment was returned and you charged me a fee. My bank has sufficient funds. The only thing I can think of is after I made the payment I DELETED my bank information as I will NO LONGER save my bank information on this website. Please refund the {$29.00} charge you have posted otherwise I will be reporting it to the CFPB & XXXX My bank details were correct and you authorized and linked them. I got my transfer I made of XXXX fine so please check your own records and advise.
XXXX XXXXPayPal Credit Customer ServiceRE : PayPal Credit Account Information Hi XXXX , Thank you for your recent inquiry regarding your PayPal Credit account XXXX and the opportunity to be of service to you.
We received your payment in the amount of {$120.00} and applied it to your account on XX/XX/2021.
Your payment was returned from your bank unpaid, therefore, the dollar amount was debited back to your account on XX/XX/2021. We are not able to re-process the payment. Please remit another payment to replace the payment that was returned as unpaid from your bank.
If you are questioning the reason the payment was returned, please contact your bank.
We appreciate you as a valued PayPal Credit customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center.
Sincerely, XXXX Customer Service
|
| 05/01/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I made a large furniture purchase in the amount of {$3200.00}, with a delivery window of " 4-6 weeks. '' I decided to open an account with Synchrony Financial to make this purchase. I put the total amount due to the furniture store on the credit card. I began making payments to Synchrony Financial in the amount of {$200.00} beginning on XX/XX/XXXX. I also made a {$200.00} payment on XX/XX/XXXX. I made these payments ( total of {$400.00} ) in good faith because the furniture had still not been delivered to my residence. I spoke with the sales lady at the furniture store who told me that I would have to begin payments even though I did not receive the furniture. In this process of of making payments I stayed in contact with the sales lady who repeatedly gave me excuses as to why the furniture had not been delivered. I finally reached out to XXXX on XX/XX/XXXX, who initially stated that I " should not have begun making payments '' until my furniture was " delivered. '' They stated that they would place my account on hold and file a " dispute '' with the store. XXXX policy states that they are to determine resolution of a dispute within 60 calendar days. We are beyond the 60 days and they have refused to provide me with any further information other than my account is still " pending '' review and the person responsible for my dispute in this department is named " XXXX. '' I have asked for the dispute team to make contact with me, provide updates and I have fallen on deaf ears. I continue to get the go around with multiple " account managers. '' The account manager I spoke with today ( XX/XX/XXXX ) named XXXX ( ID XXXX ) even went as far as telling me to stop calling that my " calling daily is not productive '' because there is " nothing '' they can do other than " email the dispute department. '' All I am asking is for my money back since they are beyond the 60 day window of their own policy. I also asked him how this incident does not constitute fraud and he was not able to answer me. XXXX has my money held hostage and by the way this furniture store is NOW GOING OUT OF BUSINESS!
Through this entire process I've come to the realization that this furniture store did not follow the laws and regulations outlined by the state of New Jersey 's Division of Consumer Affairs. Not once did the store provide me with an opportunity to cancel my order ( state law ) once they realized there was a delay, they also did NOT provide me with a specific delivery date. The law states that upon purchase the receipt must have a printed date for delivery. They only offered a delivery window not a specified date.
|
| 07/29/2015 |
Yes |
|
|
|
Web |
Older American |
|
I purchased a {$2500.00} bed from XXXX XXXX XXXX. From the beginning the bed has been defective. It sags, the side of the bed makes you lean to the right, You cannon lay flat as there is a ledge that makes you lean and fall into a hole to the right side. It is broken down. It sucks air when you stand from sitting on the side of the mattress. I have contacted them and they have sent servicemen to my house. The first man said it was bad and they would have to replace. Only to find out that his report said it was fine. He lied. The second time they came out the man measured the bed in the wrong place and would not measure where I told him the problems were. He took pictures of the wrong spot and put that in his report and said it was fine. He lied also. I contacted the XXXX rep. He said the XXXX serviceman should have known not to measure the head of the bed, That he did n't have the proper training and he would get with XXXX XXXX and have them come out and measure again and do it correctly. I just got an E-mail from him saying that he was going with XXXX XXXX 's reports and that the bed is fine. Another liar. I have contact Synchrony Bank who financed the bed through XXXX XXXX and filed a dispute wanting my money back and return the bed. They will not take any photos or information from me either. They said they will contact XXXX XXXX and wait for their reply to make a decision. Again, they will go off the reports they have and take them as correct when they are lies. When the serviceman was at my home I showed him the spots, laid on the mattress to show him how it leaned and where the hole was. He would not even acknowledge my complaints. He said I could turn the mattress. Why would he suggest turning the mattress if there was nothing wrong. I have been trying to sleep in this broken bed and want to return it and get my money back. I ca n't trust this company. They will not stand behind the warranty. I feel XXXX XXXX, XXXX and Synchrony Bank are all together and I have no representation at all. They have taken my money and left me with a defective product. As long as they keep going off the falsified reports I have been a victim of fraud. I desperately need help. Synchrony Bank told me the first time I called that I could not file a dispute and if I did n't pay for the mattress they would hold me liable and damage my credit, plus add on 29 % interest. I called later and demanded that I file a dispute, but they are only going to contact XXXX XXXX and they will be giving them the incorrect reports they filed to avoid taking this mattress back. Again, who is helping me, no representation. Three against one.
|
| 05/04/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
XXXX XXXX closed my account because according to them I was not using it often enough. The problem I have with that is it dropped my credit score by XXXX points. I was in the middle of obtaining a loan and I no longer qualified for and have not been able to get.
I need for your bureau to redefine what that means how that can be corrected and see how it impacts people 's credit when the creditor has been paid all that the person utilized from them. A creditor closing an account for that reason should NEVER be allowed to transfer into HARM by making a negative impact on anyone 's credit when they do not choose or need to use a card by a specific time, which was offered to them.
I paid off that bill and others on time every time for a reason. That is one reason so many Americans are in debt, based on bad legislation and allowing companies to control policies to keep getting paid. Right now they have caused me undue harm and punishing me by the impact on my credit.
I need you to speak to congress to make it illegal for the credit bureau to lower credit scores because you have not utilized a credit card in a while that is forcing us to give companies our money when we do not need their services.?? Why are you allowing this esp.
In times like this who wants to be forced to purchase things just to hold up companies even when you do not have a current need just to have more bills.
This drop, increased my utilization rate and lowered my score preventing me from the credit that I needed to get. Now it is putting my project at a stand still as well this is unfair and should be illegal it is forcing us to work more to pay for thing we don't need. It is a system parallel to slavery which is controlled by the credit card companies and the credit bureau.
The credit bureau and that company needs to be held accountable for even instituting that conspiracy to keep people spending or have them paying a price for not spending with them.
You need to do something to fix this mechanism and force the credit bureau to replace those scores and to not have the approved credit amounts to be removed from anyone 's credit. The economy needs to flow it can't flow if people can't borrow because they paid off old debt until money is available again. If a person closes an account they no longer want the credit bureau should reflect the level of credit they were approved and the length of time they had the card and it should never become a negative impact credit hit to lower anything it should just be silent or if anything it should reflect a paid as agreed and be a positive on the report that can not be removed for seven years.
|
| 02/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Older American |
|
On XX/XX/XXXX I had a dentist appointment. At this appointment it was determined that I was going to need major dental work performed. The cost of this work was over XXXX. I asked my dental office if they had any type of payment plans that would allow for monthly payments in lieu of having to pay all at XXXX time. The office manager took me in her office and gave me an ipad and told me that I could apply with Carecredit, apparently a subsidiary of Synchrony Bank. I filled out all the information, I had to take a picture of myself and upload a copy of my driver 's license.It kept rejecting the copy of my photo id and I had to reload it several times. When I thought it finally went through with a clear enough copy I got a message saying it could not complete. I then called the company to verify they had what they needed and was told that my application was denied and that I would receive a letter and they could not tell me why but they did get a satisfactory copy of my photo id. I have dealt with credit for the last 35 years ( XXXX XXXX XXXX in the Mortgage business ) my credit score is in the XXXX 's and I have very little debt. There is no way I should have been denied. On XX/XX/XXXX, I received an email with the following determination " Unfortunately, based on the results of these checks we are unable to confirm your identity with enough confidence to approve your application at this time. I am perplexed to determine exactly what this means. I called them this same day to ask exactly what this meant and what I could provide them for them to be able to approve my application. The person I initially talked to said she could only tell me that it was denied and nothing else and that there was nothing I could do to fix it. WHAT??? I asked for her supervisor as this was an unacceptable answer to me, that it couldn't be fixed. I then was transferred to a supervisor named XXXX and she reiterated the same thing. I then asked for her supervisor and was connected to an XXXX with the same results. During my conversations ( not sure which one said it as I spoke to 2 different supervisors ) they told me I could re-apply. I then went to their website and re-applied ( XX/XX/XXXX ) to see if I got a different outcome and received a XXXX denial for " prior application submitted too recently ''. Really, the supervisor didn't know this before telling me this. I think this is totally unacceptable and should have been able to provide me with what they needed to be able to approve my application. I have since had my dental work done and had to pay it in cash which I did not want to do. I am attaching both letters received.
|
| 09/07/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
To Whom It May Concern : Dear Sir/Madam : I am an Attorney at Law residing in XXXX, Texas, located in the XXXX XXXX.
( 1 ) On XX/XX/2021, I purchased a set of books from Mr. XXXX XXXX aka XXXX on XXXX. I paid {$1000.00} using PayPal Credit provided by Synchrony Bank ; ( 2 ) On XX/XX/XXXX, I received the items via USPS ; ( 3 ) I open the package immediately and found significant damage to the book bindings ; ( 4 ) This material fact was not disclosed on the XXXX site or during any communication with the seller ; ( 5 ) After several back and forth, the seller agreed to take the item back and provided me with a XXXX issued USPS label with tracking number XXXX ; ( 6 ) During this time, I called XXXX and PayPal Credit and informed them about the issue. They both asked me to file a dispute and not to cancel either to be safe. I had several agents from both the companies advise me to keep both disputes open ; ( 7 ) XXXX and PayPal credit both have warranties and buyer protection program, sympathized with my plight and they assured me every time the matter will be resolved within a few days, and I will have my refund {$1000.00} soon ; ( 8 ) On XX/XX/2021, the buyer received all the return items and personally signed for them ; ( 9 ) On XX/XX/2021, PayPal Credit aka Synchrony Bank refused the refund although I had repeated informed them during my prior calls that the buyer has the items in his possession ; ( 10 ) So, I waited on XXXX to resolve the matter and on XX/XX/2021, they are denying my money back claim because I have opened another claim with PayPal credit and that I should contact the, only. ( 11 ) However, XXXX never contacted me and looks like PayPal credit in the previous 90 days negligently failed to confirm with PayPal credit to see that XXXX had already closed their case ; ( 11 ) I contacted XXXX immediately and re-opened my dispute ; ( 12 ) Today, on XX/XX/2021, I received a secure email from Synchrony bank aka PayPal credit with a letter dated XX/XX/2021 ; ( 13 ) They denied the claim because the merchant aka XXXX has provided some information stating that I have entered into a contract to pay them the money ; ( 14 ) I never agreed to any such thing especially when I do not even possess the merchandise.
( 15 ) I have been tossed around between XXXX and PayPal credit for the last 6 months without any resolution and now made to pay for something I do not even have in my possession and that has been returned to the buyer with proof of receipt.
I am frustrated, worn out, distraught and suffering from severe anxiety over this matter and have been taking medication to calm my nerves. Please help.
|
| 03/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Banana Republic solicited me to be a BR Card ( the Card ) user in XXXX. The BR Card is issued and managed by the Synchrony Financial. Synchrony Financial is a consumer financial services company headquartered in XXXX, Connecticut, United States.
Subsequently I set up an online bill pay from XXXX XXXX XXXX with the intention to pay off the account balance every month automatically. I have not used the Card since late XXXX and during the entire COVID period. I saw an automatic email from XXXX XXXX XXXX showing I was sending an auto-payment of {$78.00} to the Card on XX/XX/XXXX. This prompted me to review the account history. To my shocking disbelief that I have been paying the Card {$70.00} to {$90.00} a month every month since XXXX. The total amount of interest I have paid to the Synchrony is around {$5000.00}, far surpassing the charges I have ever incurred on the card mainly from using it in Banana Republic Stores.
I subsequently made phone call to the Card and was greeted with disgruntled employees based in XXXX and XXXX with minimum training of US customer protection regulations and rules. A few subsequent calls exploring if anything can be done to rectify the situation given the obvious " mistake '' and such payment pattern doesn't fit the customer profile have been met with nonchalant attitude. A brief conversation with customer service around potential interest adjustment on the ground of COVID relief has been met with cold response. All conversations with the Synchrony employees were unproductive and the company 's attitude towards regulators when brought up by me was dismissive. In a subsequent conversation with XXXX credit card services, its employee suggested such behavior from Synchrony is " shady ''.
Synchrony Card has charged me 25 % interest and pushed the minimum principle payment to < {$25.00} so that the company can make this " unnecessary debt '' outstanding for 12 years to collect thousands of dollars of interest. Additionally I have not received a single " paper '' statement in my mailbox for years. I have a habit of verifying what I am paying on a regular basis, this would have been caught by me easily if the paper statement has been delivered to me.
This interest charging and letting customer paying absurd minimum balance for the client who is qualified for {$15000.00} credit limit is borderline fraudulent practice and predatory to the particular segment of customer base ( >750 credit score with sufficient financial resource to payoff {$2000.00} principle ).
This is the only credit card I have ever had any problems, this is verifiable with all credit cards I have owned.
|
| 08/26/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
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|
I have been in contact with Care Credit Synchrony Bank since XXXX XXXX. XXXX XXXX sent me a letter notifying me that I overpaid XXXX on my XXXX payment for XXXX XXXX purchased in XX/XX/XXXX. However, the account ending in XXXX has numerous balance transfers on it from XXXX XXXX Bank MasterCard ending in XXXX that I did not do or approve. I sent numerous letters asking for transaction information for these transfers and the company sent me the elctronic payment virtual checks dated XX/XX/XXXX stating XXXX was the Payment source to the XXXX account with a merchant ID blacked out except for XXXX ending numbers. I have no record of a XXXX card during this time and no idea what merchant ID represents. I sent another letter to XXXX XXXX of the President 's office on XX/XX/XXXX sharing that I made a XXXX payment from my credit union in VA and those XXXX payments made XX/XX/XXXX funds showed up in CT XXXX XXXX account ending in XXXX that was dormant since at least XXXX ( I opened it in XXXX with my mother ). They are listed as a credit card payment and on XX/XX/XXXX listed as a returned item deposit?? How could this be? The check number is XXXX and I have no idea what or where that came from. In addition, there was a new care credit opened in my name that I have no idea about with a log in of XXXX and password XXXX that does not open the page saved in my XXXX password. I asked the secret service for help in VA and they shared the log in looks like a routing number. They have not responded to how the payments went from my credit union to XXXX Bank in CT to an account I have not accessed since XXXX? Those records are easy to retrieve. It was assumed dormant. XXXX XXXX, a family member did access those accounts in CT and opened numerous cards in my name with a false address in CT while I lived in VA. The secret service reported frequent balance transfers may be indicitive of laundering. He is being investigated for XXXX of checks made out to him and cashed at the teller from XXXX to XXXX ending in XXXX. He closed both accounts in XXXX, however, I requested records and need to know why Synchrony is not responded to my question. How did my payment go from my XXXX XXXX XXXX made XX/XX/XXXX and credited to hearing aid account balance and end up on XX/XX/XXXX and XX/XX/XXXX in a XXXX account in CT I had not accessed since XXXX? I did not have an XXXX XXXX card that was used to make a balance transfer payment of XXXX to XXXX XXXX XXXX Master card I also did not have access to or records will show use? Please investigate this fraudulent transfers? XXXX XXXX has not responded to my letter with records dated XX/XX/XXXX.
|
| 08/10/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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On XX/XX/XXXX I made a Credit Card payment to Wal-Mart. I called to see if my payment was received because I did not want to incurr a late fee. I was told by the representative that my payment was not received. So I made another payment in the amount of {$85.00} over the phone. I asked the representative when my first payment in the amount {$85.00} is received, I want a refund back. She told me when I received my statement call back, I said ok. When I received my statement I called back as the representative said. The representative told me I should receive a check in 15 days for {$85.00}. On XX/XX/XXXX When I did receive the check it was in the amount of {$63.00}. I called back and I spoke to someone named XXXX, she told me she`s putting in a request for the {$22.00} and gave me a confirmation # XXXX and that the refund is going to take 7-10 business days. Still have not received my refund. I called back and spoke to another representative named XXXX, he stated that the reason I have not received my full refund is because my payment was {$100.00}. On XX/XX/XXXX I spoke to XXXX and she told me to pay {$85.00} only because I was giving wro ng information ; They adjusted my payment from {$100.00} to {$85.00}. I told XXXX what was said by XXXX, he said he`s putting a request in for the {$22.00}. Never received it. I have been calling and talking to several representatives from Wal-Mart in regards to this. On XX/XX/XXXX was my last a tempted to retrieve my refund. I spoke to XXXX an account Manger, I played the recording of XXXX explaining why they made the adjust on my account for the {$85.00}. He said, he`s going to put in for the refund, never received it. I make my payments on time to Wal-Mart. I am not understanding why I have to go through all of this to get my refund of {$22.00}. Everyone of the representatives from Wal-Mart say been dishonesty in their speech. If I take my {$22.00} out of my payment I will have to pay a penalty. Just as they want their money every month I want mine. When you value your customers you respect and speak truth to them. I have recorded conversation with these representatives. Lastly they are not even trying to put my refund towards my account. I could not submit my recorded conversation with the WalMart representative this is XXXX WalMart representative explaining why my account was adjusted and her confirming the Supervisor telling me to pay {$85.00}. The supervisor name is XXXX and XXXX is reading from her notes in regards to the adjustment of the {$100.00} to {$85.00}, because of wrong information as I already mentioned in my complaint. The date again is XX/XX/XXXX.
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
Servicemember |
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Dated Fri, XX/XX/2020 addressed upon complaining with Synchrony and Lowes stamp if relaying XXXX XXXX XXXX florida XXXX Attn : Fair Credit Reporting I am being unfairly denied credit and see an in accurate piece of information.
My name is XXXX XXXX XXXX and I am asking for a reason the credit has been denied during a application I personally made in the last 72 hours with Synchrony Bank and Lowe 's Credit.
I have a score that's is XXXX or above yet Lowes reports the score at the number ( s ) XXXX.
My score is XXXX with XXXX XXXX XXXX respective using the XXXX XXXX app which is very well established and reputable. In fact, my credit is updated everyday and everything looks outdated and inaccurate with the Lowes denial Synchrony ongoing hard even too recognize if understand problem.
Why is an old in accurate record preventing myself from getting fair and accurate credit reported. A copy of this letter will be sent wearily if further access is not being provided to the board of credit to foil the old dusty gathering of information.
I can tell you I have zero disputes, no frozen transactions, I've made over 60 months of payment ( s ), I am current and in more than satisfactory perspective upon typing Synchrony XXXX XXXX purchase, and I have zero credit blemishes.
There is no true reason for the denial. At a bare minimum we can see from the described letter campaign beginning that the information was misjudged by XXXX and Lowe 's is grabbing old information ( I don't think this is a problem solution matter it's illegal and someone is foiling me when more robust accessible and bright information certainly has our perspective ).
I think it's important that a bias does not have the beginnings of certain I'll will with XXXX.
I have a XXXX score and that's Fair Credit not poor and is significantly higher than the inaccuracy unjustly reported if ever represented ( resources showing all this are included with photos from the 3rd week of XXXX is week LAST and JUST quite recent ).
I am not illegal or soliciting anything but there is a problems which is zero respect for me from XXXX and I deserve to have a moderate amount of credit.
Thus far as you know, I am asking for justifications and logic because I deserve fair and accurate credit reporting, as we can always expect.
Please help. I need as little as less than {$500.00} from Lowes and will sure is take what I can get.
If a lawsuit may commence for discriminatory practices please let me know where to begin.
THANKS for continuing the conversation, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA XXXX cC : XXXX ( XXXX ) XXXX
|
| 08/31/2023 |
Yes |
- Credit card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
I have had a Lowes Credit card through Synchrony Bank with a XXXX XXXX dollar credit limit for 20 years ( XXXX XXXX XXXX XXXX ). That account was used for major purchases on my house in XXXX and then in XXXX. Those purchases totaled around XXXX XXXX dollars. While traveling in XXXX of this year, I was contacted by a XXXX I consider my daughter. She had to move and needed a refrigerator of the new house. She found one at the Lowes in XXXX, XXXX. I was able to call and talk to the manager of the appliance section and they agreed to make the transaction of around {$650.00} over the telephone. When they submitted it, it was declined. I received a security text, on my cell phone, from Synchrony bank stating that they had declined the purchase as suspicious. I received a follow-up text asking if I had made the purchase and I replied that I had. The next text stated thank you for verifyingthe purchase. If the purchase was declined, re submit it. I called the Lowes and they resubmitted it and it was again declined. I then called Synchrony and they stated that I had to go through an elaborate process over the telephone which, after several attempts, did not go through while I was traveling. In XXXX I received a letter from Synchrony which stated that after a review of my account they decided to close my account because of the restriction placed on the account for suspected unauthorized use and subsequent inactivity on this account. The letter also stated that if I had any questions to call XXXX.
I called that number and was told that they were unable to answer any of my questions and that they were unable to provide me with another number. The lady advised that she was an operator in the XXXX and was not able to provide me with a corporate or legal affairs number. She advised that I could send them a letter.
I sent the letter advising them that they were in error and it had not been unauthorized use. I received a second letter from Synchrony with a different excuse. It stated that my account had been closed based on an evaluation of my consumer account using a sound credit scoring system that includes reviewing all accounts contained within a consumer 's credit files and it was a result of this evaluation that my account was closed. My credit is rated as excellent. They stated that if I had any questions that I could call the same number that I had originally called.
I have copies of the letters and the text messages. I requested that Synchrony maintain all documents and phone records including texts from my cell phone XXXX. I originally sent this complaint to Fed Reserve and they referred me to you.
|
| 03/02/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
In a detailed review of the transaction history of the credit card account ( after noticed that there was a significant balance still owed, after balance should be close to paid off ). In this detailed review, noted that the interest on the account from 2017 to present is not being calculated accurately and within the federal standards for calculation. Can see from monthly statements dating from 2017 year to present that there are some months in which the payment made on account goes solely to interest, other months the payment does not pay any interest. Monthly payments exceed the minimum balance, so payments should be applied per the federal standard, but they are not. This has caused an excess of $ XXXX in interest alone accumulated inaccurately on this account from 2017 to present.
I have contacted the company multiple times to request the ledger and transaction history used to produce the statements I am reviewing. The reason I asked for this information is because you can not determine how payments were applied to the account. On the statements you can only see how much interest was paid and if the principal balance went down. From the statements I can see that interest has been added to the principal balance, then additional interest applied to that balance. The company has refused to supply me with this information and just keep sending me the monthly statements. I already have the statements and have explained the statements do not show the requested information. I have called the company multiple times, sent emails, all requesting a manager and corporate intervention to obtain information I am requesting. They refuse to provide the details on the account and continually tell me someone will call me to discuss and resolve. That has yet to happen. You can see from the statements that the interest on the account is not be calculated accurately, but any further detail, i.e., how much is being applied and how exactly it is being applied can not be seen without the requested information. I would like assistance in obtaining this information or a detailed review of this credit card account, so as to prove inaccurate standards for credit card interest calculation. I can and will supply all statements from 2017 to present, if needed. Please let me know if you need those. Thank you.
In a nutshell, the balance is XXXX XXXX higher than accurately calculated, which is ALL interest added to account. This account has not accumulated a balance past {$2000.00}, so {$600.00} in interest is extremely high, which is what triggered me to do an audit on the account. Again, thank you for all your assistance.
|
| 01/09/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
In spite of the legal notice I sent XXXX XXXX XXXX, they have refused to comply with the Uniform Commercial Code, and the USC laws, and will not except my Promissory Note, which is legal tender of payment for the discharging of a debt. I gave them a list of some of these laws, but they dont seem to mean anything to them. Some of the laws I gave them are listed below.
UCC 4-302 States, that if a Bank retains a negotiable instrument without taking action on it by midnight of the following banking day on which it receives the item, the Bank becomes accountable for the full amount of the item.
UCC Article 3- Negotiable Instruments Part 6. Discharge and Payment & 3-603. Tender of Payment, States ( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and tender is refused, there is discharge, to the extent of the amount of the tender.
3-104. NEGOTIABLE INSTRUMENT.
( a ) Except as provided in subsections ( c ) and ( d ), '' negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time ; and ( 3 ) does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money, but the promise or order may contain ( i ) an undertaking or power to give, maintain, or protect collateral to secure payment, ( ii ) an authorization or power to the holder to confess judgment or realize on or dispose of collateral, or ( iii ) a waiver of the benefit of any law intended for the advantage or protection of an obligor.
( b ) '' Instrument '' means a negotiable instrument.
( c ) An order that meets all of the requirements of subsection ( a ), except paragraph ( 1 ), and otherwise falls within the definition of " check '' in subsection ( f ) is a negotiable instrument and a check.
( d ) A promise or order other than a check is not an instrument if, at the time it is issued or first comes into possession of a holder, it contains a conspicuous statement, however expressed, to the effect that the promise or order is not negotiable or is not an instrument governed by this Article.
( e ) An instrument is a note '' if it is a promise and is a '' draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either.
|
| 02/13/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
Older American |
|
My complaint is against Synchrony Bank. I had obtained a new central heat and air conditioning system through a local company of XXXX and financed it. XXXX arranged for the loan through Synchrony Bank and payments of {$640.00} per month were handled through an account titled " HOME DSGN XXXX '' and were withdrawn directly from my bank account with XXXX XXXX. The loan was scheduled to be paid off in XXXX of 2016. The withdrawals of {$640.00} per month ended after XXXX, as expected. However, new withdrawals of {$35.00} per month started. At first, I assumed that there must have been a small carry-over of some type, but the withdrawals of {$35.00} per month continued. I called XXXX to ask why they were continuing with these withdrawals, and they said that they did not, that my account was paid off. I asked for a telephone contact with Sychrony Bank, which they gave me. I called several time and was never able to get through to anyone. In XXXX of 2016 I went to XXXX XXXX and asked to have the withdrawals stopped, which they did. In addition, they pulled back the payments that had been made.
I received a letter from Sychrony Bank, dated XXXX XXXX, 2016 acknowledging the cancellation of the automatic payments and indicated that I would now be responsible for making my own payments by mail, plus the late payment charges. On XXXX XXXX, 2016, I sent a hand written response, indicating that I found the charges fraudulent and that XXXX reported that they had not authorized any collections. In addition, on XXXX XXXX, 2016 I sent a certified letter to Sychrony Bank, utilizing the process that their bills posted as the method of challenging amounts due ( copy enclosed with this complaint ) ; I also asked for an acknowledging that they had received a letter, in addition to the post card I would be receiving from the certified letter.
They charged late payment fees of {$35.00} each time for these fraudulent charges, as well as interest and posted a late payment charge on my credit report. The late payment charges for 2016 were {$68.00} and interest in the amount of {$56.00} ( according to their bill ). According to their bill and the information from their customer support, I owed a remaining balance of {$120.00}, which I included with my letter, just to stop the process and demanded an immediate termination of my account with them.
I have never received a response to my letter nor a confirmation of the cancellation of my account with them. I did receive an email, indicating a balance of XXXX, but no comment about my request that my account be closed, and no mention of any refund of wrongfully collected funds.
|
| 10/03/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
XXXX XXXX - related to 3 of my accounts with them, XXXX XXXX, XXXX, walmart On XX/XX/2018 I had a hard inquiry done on my Credit score and everything came back fine. Nothing All but one credit card I had was paid to XXXX on XX/XX/XXXX.
Suddenly in the mail I got a letter dated XX/XX/XXXX from XXXX XXXX stating my XXXX card - they ( OUT OF THE BLUE ) did a recent inquiry on my credit and they found. 1 ) Serious Delinquency 2 ) A Number of accounts with Delinquency's.. So they were lowering my avail balance from {$700.00} down to {$100.00} ... I thought wait I just had an inquiry on my account done, how was this possible.
But I get an alert stating my Credit has changed and I should check it. So I did When I look into it and find out Synchrony was the one who put put the delinquency on my Credit Score ( over a 38 day late balance of {$42.00} dollars ) Now mind you on XX/XX/XXXX my report was clean - nothing for PAST OR DELINQUENT in a couple of years. and all but 1 CC was paid to XXXX by the XXXX So on the XXXX. Synchrony put a 30 day past due on my score.
So now I get this letter stating after a review - Serious Delinquencies, Number of Accounts with Serious Delinquencies, Lack of recent loan installment information. BLAH BLAH BLAH 2 pages.
So now my Score tanks by a significant number.
So I send them a scathing letter back - SO YOU CAN ONLY GUESS WHAT IS ABOUT TO HAPPEN NEXT ... ... ... ..
I get couple of notices saying my credit is improving again - I think Great .... yeak ok.
Synchrony in turn does not tell me but they close another ( XXXX ) account ( which had a XXXX balance for over a year mind you ) Then on XX/XX/XXXX they send me a letter stating they closed a third account ( walmart ) on me stating same exact wording as XXXX letter. ( Walmart also has had a XXXX Balance for over a year ) After all of this is said and done end of XXXX I get noted that my XXXX account is now " improved '' on my credit score ... .. Here I am now with 2 accounts closed, another one with dropped avail amount.
So you want to know the domino effect of these smucks has had on my credit with their added on XXXX. By them having to close my accounts due to a XXXX lines about number accounts Delinquent, Serious Delinquency. I had 1 delinquency and it was put there by them. So today I get a note saying my credit is changed again - I look to see that Because Synchrony dropped one credit line and closed my 2 other accounts - my available amount of credit has dropped so that also effects my score which again dropped .... Synchrony is a bunch of clowns, who played with me and jacked my credit rating into the tank.
|
| 09/14/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I am in my 3rd attempt to dispute a charge from XXXX XXXX XXXX for a Project that was cancelled via text with his salesman XXXX XXXX. My husband signed the Agreement back in XXXX of XXXX and due to the lack of feedback from the company for a month we cancelled the job on XX/XX/2022, and they know the project was cancelled because they charged my account {$10000.00} in early XXXX. There was never any work performed or any items purchased, the owner of the company contacted us several weeks after the cancellation insisting that we allow them to continue the work informing us that if we allowed someone else to do the work it would be bad. After several emails and text he realized we were not going to let them do the work so he told us that he would charge us a cancellation fee ( {$10000.00} ). The Project never started the only documents that was ever signed was the agreement by my husband and I am being forced to pay for literally nothing because Synchrony accepts his fake paperwork. XXXX could not have purchased anything on our behalf because the design was never finalized, my husband didnt sign off on anything other then the agreement and I signed up for the Synchrony account thru their salesman. XXXX XXXX the owner sent unsigned documents as proof that they did work to Synchrony, insisting that we allow them to do the work and at the same time saying we didn't cancel. But then acknowledges that we did cancel and that we didnt receive a cancellation notice because he needs to send it to us. The documents synchrony is accepting is being created by XXXX to continue the lie because all we have from them is the initial Agreement letter, that only my husband signed. Again we didnt sign anything and didnt receive anything from Keystone not even the documents needed to start the project for the HOA. I dont understand why synchrony is taking his documents as proof without allowing me the opportunity to dispute, my account is being scammed by this contractor. I have attached the emails and the lawyers document along with Texas consumer law 601 regarding cancellations ( they can not be done electronically ) I have to have a signed copy acknowledging I understand their policy. Furthermore we didnt sign a sales slip or cancellation notice as I was informed by Synchrony customer service agent, he provided this after my lawyer sent a letter telling him that he was in violation of the Texas consumer code involving cancellations. I am being asked to prove that I am being frauded how do I do this when XXXX can make up documents with not wet signatures to prove they are right? Case # XXXX Synchrony Design Account
|
| 01/13/2016 |
Yes |
|
|
|
Web |
|
|
I have XXXX late payment notices on my credit report dating back to XXXX and XXXX XXXX, both from PayPal. I would like the company to erase those late payments, and pay me back the interest fees I was charged for late payments on their 'Smart Connect ' account.
I have been a customer since XXXX and the XXXX late payments occurred because I was unaware of ever having signed up for their 'Smart Connect ' credit option, and also did not know that it was my default payment method when making transactions through PayPal. I rarely used PayPal from XXXX and when I started using it again in late XXXX is when I started running into trouble.
Having connected my checking account to my PayPal I assumed that these transactions would be taken out of my checking account for no additional charge. It did n't occur to me that there was another account working just like a credit card that this money would be taken out of.
The first time I noticed is when I received a phone call from PayPal in XXXX of XXXX with a voice telling me that I was late making my payment but that he could take care of that for me over the phone. Still confused why I had a minus on my PayPal account I took care of the matter over the phone, only to receive the same phone call again after the second late payment in XXXX.
Only then did I realize that this entire time my purchases were coming out of the Smart Connect account, and that I had acquired dozens of dollars in interest fees, not to mention my XXXX late payments on my otherwise unblemished credit report.
I realize that this is partly my fault because I could have been more careful and logged into PayPal 's website to make sure everything was working correctly. The reason why I 'm writing now is because I heard that PayPal settled with CFPB over {$25.00} XXXX because a lot of consumers had the same problem as me, not being completely aware of Smart Connect and that it was the default payment method.
I called PayPal on XXXX XXXX, XXXX to ask if they could kindly remove the XXXX late payments, and after speaking to his supervisor the employee on the phone told me that was n't doable because it was such a long time ago.
On PayPal 's website I 'm unable to see the statements of my Smart Connect account and therefore can not quantify how many interest fees I had to pay because of late payments. Therefore I would like PayPal to send me statements connected to my Smart Connect account from XXXX XXXX to XXXX XXXX. It is possible to view the activity on my regular PayPal account so it should be possible to do the same with my Smart Connect account.
Thank you very much, XXXX XXXX
|
| 03/22/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/2021 I went online to pay my XXXX XXXX MasterCard with Synchrony Bank. My payment was around XXXX and decided to pay XXXX. So on today XX/XX/2021 I noticed that the balance owed was pulled from my checking account XXXX. I tried to login online to check to see my account and to view payment history and was unable to get in. I kept receiving error message. At this point I decided to call. A female representative answered I explained my issue she advised me that I can put in a dispute for payment and my funds will be back in my account in 21 days. I advised her that payment was for only XXXX not the balance owed and that I needed my money back immediately to pay my mortgage and other bills that were going through. She stated because payment was made on XX/XX/2021 there was nothing she could do. I told her several times I need my money back payment was only supposed to be for 100. Not the balance. So after hearing her say several times there is nothing she could do. So I asked to speak to her Supervisor or manager she then placed me on hold. A female Supervisor I think by the name of XXXX came on the line and say she understand my issue but there is nothing they can do by getting my money back to me and that I need to call my bank. I asked if there is a way they can review payment? She stated that they can only see payment was made online. So I said to her you mean to tell me as fast as you all pulled the funds from my account you all can not return it? She told me no it hasnt posted on their end as of yet even after I advised her the money has been taken out my account. I stressed to them how much I needed my money to pay other bills and that my mortgage was going through neither one of them cared. We are in a pandemic my XXXX XXXX credit card is not past due. I made the payment on time. Im the consumer and they didnt care to listen or assist me ..all I kept hearing is what they couldnt do for me and I feel so bad! Now I have no money in my account to pay others bills and on top of that my mortgage may return. Synchrony Bank representatives should be more emphatic in these times that we are in. Neither one nerved said ok Ms XXXX let me take a look to see what I can do for you. It was always what they cant do. I ended with no resolution and following up with my financial institution. Im highly upset and disappointed! There has to be a resolution to help consumers if a mistake was made on a payment. They have no right to keep my money if Im telling them the payment amount shouldnt been different. The remaining amount shouldve been reversed immediately 2-3 days not 21 days that unacceptable!
|
| 10/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX SYNCB/ XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Equifax, Experian or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Regards,
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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On XX/XX/2022, I went to Sam 's Club in my town, in order to replace my member 's card. The employee that helped me about my card, offered me a free credit card. I asked some doubts about this issue and one of the questions that I asked was ; How this offer will affect my score in my credit?. The Sam 's Club 's employee informed me that maybe the points will be just about 2 or 3 points. And she also told me that getting a credit card will help me to improve my score. In addition they offered me a {$30.00} of credit in my balance statement if I opened an credit car account. The information that she brought me, I believed that were truth and corrected ones and then, I accepted to apply for the credit card. She asked me about my personal information to apply and she told me that the bank ( Synchrony Bank ) approved my credit limit of {$1000.00}. This credit represented a personal Sam 's Club credit card. This credit if for shopping in this store and Walmart only. Also she told me that in 3 months I could apply for a master card credit, if I use well this credit.
THE PROBLEM WAS, I received an email from my XXXX XXXX, indicating that my score changes in XX/XX/XXXX. When I logged in my account, I saw a HUGE SURPRISE!!!! MY SCORE WAS DOWN FOR XXXX POINTS, in XXXX credit bureau because of this credit card application. I make a phone call to XXXX and they told me that for this issue I had to contact the business. Then, Today ( XXXX XXXX ) I went back to Sam 's Club and talked to an Supervisor about what I found in my credit score and I wasn't please for the XXXX XXXX that were down and I tried that they fixed this issue in my credit report because one of their employee disinformed me and for this disorientation caused this issue. The supervisor informed me that they could not fix this, that Synchrony Bank is the entity that could help me. She make a phone call and I talked with a representative of this bank and she also indicated that they neither could do anything about this reduction of my score. She said that I have to call XXXX, in order to ask them, Why they down my score by XXXX points for this transaction?. For this reasons I want to submit a complaint, because I trusted the Sam 's Club 's employee about the offer of the credit card that she informed me and observe what happened, instead of help me to improve my score, it gets worse because this application. FOR ME ITS NOT FAIR THAT THIS HAPPENED TO ME.
I was very aware about my good score in my credit. Please, I need you help because I want to know how am I could fix my score?. Thank for your time and I hope you can help me in this issue.
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| 10/01/2015 |
Yes |
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Web |
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I made a payment for my XXXX bill on XXXX/XXXX/2015, however, the bill had not posted to my account and the payment was applied to my principle. I found this out because the card issuer contacted me to collect a payment and to inform me my payment was due. I explained to them what had happened, I requested the payment be applied to my XXXX bill, and that the {$25.00} late fee be waived. The woman said that she would rectify my account by waiving the late fee and applying the {$60.00} payment to my XXXX bill. They waived the late fee ( I was sent a message via the online portal ) and failed to correct my account, in fact, I was now being charged {$140.00}, more than double my minimum payment. I called them back to fix it. The gentleman was kind and said that he would escalate my account to get fixed. He gave me a reference number and said that I should be contacted by someone within 2-3 business days. He explained that I should see my account corrected and that my next bill would be due in XXXX. A week later ( today, XXXX/XXXX/2015 ) I still had not been contacted so I logged on to check my account and I saw that it still remained the same. I called and spoke to a customer service rep. who had to transfer me to her supervisor. He was extremely rude and said that unless I paid the {$140.00} I would go into default. He had me in tears. I feel that the card issuer is penalizing me for making a payment too early. I had called to rectify this and because they did not do as they said, I am now being charged a minimum fee PLUS an escalated fee due to being late. The {$60.00} payment was intended for the XXXX billing and all I was requesting is to help have this applied correctly. They threatened me with reporting me a delinquent and are charging me a fee XXXX the escalated fee ) because of their error. I called XXXX last time this evening and spoke to XXXX different people to talk reasonably. I ended up talking to an escalated specialist, but she said that technically I missed and payment and that the {$85.00} fee would not be waived. I asked her to please explain why I was being punished when TJXRewards told me two weeks ago they 'd fix this error. She could n't answer my question and told me her advice was that I start making payments on the {$140.00} or I would go into default.
I 've never been treated so poorly, especially being a long, loyal customer. I feel that I am being unlawfully charged this " escalation fee ''. I ended up getting off the phone and sobbing because I 've been fervently working on perfecting my credit score for 5 years now and because of this card issuer it is threatened.
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| 12/03/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I 've had a JCP credit card for over five years and have paid my bills on time. At one point years ago, I even paid off my balance but I kept the card and kept using it over the next few years. In XX/XX/XXXX, I decided to once again pay off my bill and did so online. During that process, I realized that I used the wrong account to pay off my balance so I called the company to inquire about the best course of action. We came up with the solution that I would stop the payment on my checking account and that same day, paid off the balance using my savings account. I thought that was the end of that and since I have never had a problem with JCP, I was under the impression that this was taken care of. A month later, I received a bill and after I reviewed it, I realized that the payment was not taken out of my savings account so I called the company, and paid the bill over the phone again. The next letter I received was from JCP stating that they have closed my account. I asked what the reason was and I was told that I have stopped payment on the account and that my last two attempts to pay was unsuccessful and returned. They asked me to submit proof that I had indeed paid off the balance and I sent them the attached copy, thinking that would solve the problem. I also called my credit union and with a representative on the phone from my bank, they confirmed that the payment was paid. Now, this is three months later. I received another bill from JCP and at this point I was livid. But, there was this customer representative on the other end of the line from JCP, who is one of the best ; she carefully reviewed my account and informed me that the reason my payment was being declined over the past few months was because I was using a savings account to pay off my balance and that is why my payments were being rejected. No one prior to that conversation from JCP has ever told me that before. So, my account was closed and I was accused of using a fraudulent bank account to pay off my balance, when all along, I was just not informed. Needless to say, I drove to my credit union which is 2 hours away, obtained the cash and paid my account in full. I am not sure what happened with my credit union and why the payment was not sent, but I am in the process of discussing that with them. My fear is that this was reported to the credit bureau resulting in my credit score being affected, and, I am without a JCP card. I would love my card back, but I refuse for them to run my credit. I believe that they should reinstate my card because they neglected to inform me of the reasons why my payments were being rejected.
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| 02/15/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXXXXXX XXXX has been harassing me on several occasions over the past year to try and collect debts. They purchase debts from mainly Synchrony bank but there are others and then attempt to get the money from the consumer in a sterner formatted letter and if you dont respond accordingly, they have a law firm they work with ( XXXX XXXX XXXX ) that then garnish your wages in which they did to me on one occasion in the last six months and made other attempts but didnt succeed. They first came to me about 6-8 months ago and attempted to garnish my wages and hadnt even sent me anything AT ALL! When my HR person contacted me telling me they received a legal letter to garnish my wages abs I freaked out because I didnt know what it was. I about fell out of my chair, both in sick and embarrassment. This was a new job and I am management! When I reached out to them and threatened them to stop because they hadnt even informed me, they retracted immediately. However, about three weeks later i got something in the mail and my company received another formal letter to garnish my wages in which they had to. From then on it got worse and NONE of the attorneys would speak to me or take my calls and the only people that do are customer service and theyre completely rude and sarcastic and dont care that your whole world is being turned upside down. They claim you need to speak to an attorney and yet you never get through to one.I became so frustrated and told them I paid these balance ( s ) or that they werent even mine but it didnt matter at that point. When I reached out to the credit card company they dont even know who XXXX XXXX XXXXXXXX is and many arent sure how its getting to this connection agency. The one debt from XXXX, the person felt terrible but couldnt help me at that point because it has been sold to XXXX XXXX. I tried explaining this wasnt even my debt it was listed under my ex husbands name but it just didnt matter at that point. They then had the law firm garnish my wages at over 40 %! Im a single Mom and have XXXX daughters that are XXXX and they take daily medications. I ended up paying it and it cost nearly {$1000.00} more with the fees from their firm. Totaling like nearly {$3000.00}. And the original debt was {$1600.00}. Now, theyre coming at me again for a ANOTHER DEBT that is from XXXX, over six years. A SAMS club Mastercard in the amount of {$3800.00} and I honestly cant take it!! They will be threatening my new job AGAIN by garnishing my wages and I wont be able to pay my bills and live when they do that! They have to STOP! Its killing me and my family! PLEASE SOMEONE HELP!!
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| 08/17/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Dear XXXX XXXX XXXX, XXXX I hope this letter finds you well. I am writing to contest the charge associated with the collection account referenced above XXXX. I believe there has been a mistake or misunderstanding regarding this account, and I request a thorough investigation to resolve this matter.
I would like to highlight the following points concerning the collection account : Disputed Debt : I dispute the validity of the debt in question. As a responsible consumer, I have consistently managed my financial obligations and have no record of owing any outstanding balance to the alleged creditor, Synchronic Bank. I have not received any communication or documentation regarding this alleged debt, and I am concerned that there may be an error or misinformation.
Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you provide me with detailed information about the debt, including the original amount owed, the dates of the alleged transactions, and any supporting documentation that confirms my liability for this debt. It is my right to receive accurate and comprehensive information, and I am eager to review any evidence you may have.
Cease and Desist Communication : In accordance with my rights under the FDCPA, I am formally requesting that you cease and desist all communication with me until the alleged debt is properly verified and substantiated. Please ensure that all collection activities, including phone calls and written correspondence, are paused until this matter is resolved.
Validation of Creditor 's Authority : Please provide documentation establishing your authority to collect on behalf of Synchronic Bank. I am entitled to confirm the legitimacy of your claim and the legality of your actions in pursuing this alleged debt.
Resolution Process : I am open to resolving this matter promptly and amicably. If the alleged debt is indeed legitimate and can be properly verified, I am willing to discuss potential options for repayment or settlement. However, I reiterate my request for detailed documentation supporting your claim before any such discussion takes place.
I kindly ask that you acknowledge receipt of this letter within 15 days from the date of your receipt. Additionally, I request that all collection activities related to this account be suspended until the requested information is provided and the matter is resolved to both parties satisfaction.
I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FDCPA.
Thank you for your understanding and cooperation.
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| 06/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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On XX/XX/XXXX I orderd a {$600.00} Flute from XXXX XXXX XXXX website using my Synchrony Bank / TJX Platinum Mastercard the item was never delivered/sent to me as promised as indicated on my confirmation of sale email from the seller XXXX XXXX XXXX. On the seller website when I placed my order the delivery date was 90 to 180 days for the flute to be made and sent to me as indicated on my confirmation email from the seller. I emailed the seller asking about the item after waiting 180 days and was told that the item was not done I asked the seller to cancel my order the sellers response was they don't offer refunds. I then placed a dispute with my credit card company Synchrony Bank / TJX Platinum Mastercard I provided the confirmation sales email that indicated the 90 to 180 days for completion. Synchrony Bank / TJX Platinum Mastercard denied my chargeback as the seller claimed that I agreed to wait XXXX months or a year or however long it would take to send the item out to me, that is compltely untrue and I have the confirmation email that indicates otherwise. The seller changed the dates because they were taking orders that they were unable to fufull in the timeframe that I was given when I placed my order on XX/XX/XXXX. I tried to dispute the charge agin as I still have never received the item and the dispute was denied agin and the seller calmed that the item was deleverd but no proof of that because the item was never sent out. I have a confirmation of sale email from this seller and you can check the shipment status it clearly shows the item was never sent out. I ordered another item from this seller before this and on that confirmation email the status shows delivered. I have placed a complaint with the XXXX XXXX XXXX and the XXXX tried to make contact with the seller multiple times and did not get a response. My complant about XXXX XXXX XXXX is listed online with the XXXX. I will continue to dispute this charge I agreed to the the item being sent out in the time frame on my confirmation email and the website on XX/XX/XXXX ( XXXX to 180 days ). The merchant has changed the their website and policy due to not fulfilling orders in the timeframe that they gave to me and other customers on or before XX/XX/XXXX. I NEVER AGREED TO WAIT XXXX MONTHS OR A YEAR OR MORE!! Completion date given XX/XX/XXXX or XX/XX/XXXX ( item never completed or sent out ) I recently sent letter and a copy of the confermation to Synchrony Bank XXXX TJX Platinum Mastercard. Any help with this matter would be greatly appreciated. I am a XXXX Veteran and what I thought would be an easy fix has caused my so much XXXX
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| 08/25/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I made a purchase at Lowes in the store and paid additional fees for items to be delivered to me on XX/XX/XXXX. The items were suppose to deliver to me on XX/XX/XXXX but they did not. I called into the store and reported it, I did not hear back so I went into the store on XX/XX/XXXX and the customer service desk told me they had a packing slip and informed me to get a hold of a manager later in the week. I called and talked to XXXX on what i believe was XX/XX/XXXX and explained the issue. He told me he would talk to his employees about the issue, the bad customer service I received and get this resolved. I followed up with him a couple weeks later and XXXX informed me that since the packing slip did not match my information I had provided that I needed to show proof that I was the card holder. I was not sure what he was talking about and reached out to lowes credit card services. I was told that there was a issue with the packing slip having different information on it from my information and they would dispute this right away and take this up with the manager at Lowes. During this time I did not hear from Lowes store, the manager nor anyone else involved. I received a notice that the charges were applied back to my account. I requested multiple times for Lowes to provide me with a signed slip of accepted/received delivery and have not received the requested papers. They keep sending me a packing slip which indicates nothing more than they indicate that the items were suppose to be on the delivery truck. Since the initial dispute I have informed everyone that I did make the purchase but the items were not delivered to me. Lowes has not offered any resolution and this has been a ongoing hassle for 8 months now.
As of XX/XX/XXXX Lowes has informed me that since my last correspondence did not provide additional information that I will be charged for these items. There has not been additional information requested by Lowes and the only information I can provide is that I did not receive the items and I have went into the store about this, called the manger and reported it to Lowes credit card. My card was billed before the items were set to ship/before delivery was confirmed. The delivery states that customer must be home for items to be received but Lowes has not yet provided me with any information to show this delivery was accepted by me. The Loading Ticket provided shows different name and contact information but it does show the last 4 of the card # being mine.
I am being charged for items that I never received nor did Lowes even attempt to set up a re-deliver or any other resolution
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| 07/07/2016 |
Yes |
- Debt collection
- Credit card
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed.
This DEBT COLLECTOR XXXX., has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so.
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION.
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them.
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime.
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES.
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
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| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have received an updated letter from XXXX XXXX XXXX in regard to the Synchrony Bank/Paypal account , with an updated balance. Previously I have been disputing the amount of the interest that was reflected on the collection notices without explanation or any statements provided. This interest had been added after the account was charged off, the dispute lasted over 6 months and I have not involved CFPB. During the dispute, Synchrony Bank/Paypal and XXXX cashed half of the checks that I kept sending every month and the other half was not cashed.
However, XXXX and Synchrony Bank/Paypal in the updated letter increased the balance owed.
After almost a year of complaints and disputes, the interest of {$400.00} that was charged illegally has finally been removed from the balance owed.
Now they are showing that the amount paid off to this date is slightly over {$500.00}, how is it possible if their own statement from XX/XX/22 a year back showed a balance paid to date of {$780.00}? Yes, back then it was also showing an interest of {$400.00} as a part of the amount owed and that was reflected in the higher amount owed. Now, after the interest was removed and I made payments along the time they reviewed the dispute, the balance owed decreased drastically. But, no!!!
I have copies of the cashed checks by Paypal/Synchrony Bank for XX/XX/22, XX/XX/22,XX/XX/22,XX/XX/22,XX/XX/22 all in the amount of {$50.00} which totals {$250.00}, I also mailed 4 other checks but during the previous dispute they were never cashed and I had to stop payment on them. Using the following numbers of the previous statements provided, if the balance owed is {$2500.00} and interest of {$400.00} is taken away, it would make the amount owed {$2100.00} then minus the cashed checks listed above in the amount of {$250.00}, it should bring the amount presently owed to {$1800.00}. It seems they are trying to remove the disputed interest, which they can't explain, from the statement visually but quietly adding it to the amount owed on purpose to collect more. Isn't it a violation of the FDCPA? Please I have reached out multiple times offering to settle this debt, but neither XXXX nor Synchrony Bank/Paypal are cooperative, and there is always that is done to increase the amount owed, missing payments, an interest without proper explanation or statements provided showing how it was calculated, inaccuracies that when I am trying to bring them to their attention or asking to review takes months or responded in formal, ordinary letters saying that no error was found which is exhausting and simply disrespectful, unfair and harassing.
|
| 10/16/2016 |
Yes |
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Web |
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I had a an Old Navy/Credit for several years prior to canceling it in the XXXX of 2016. The following is a time line of what happened since then : XXXX 2016 - I phoned Old Navy/Synchrony Bank and cancelled my credit card account. I then destroyed my card.
XXXX 2016 - I received an invoice from Old Navy/Synchrony Bank with fraudulent charges in the amount of {$90.00}, which were charged to the cancelled credit card. I immediately phoned Old Navy/Synchrony Bank reported the fraud and the concern that I had cancelled the card over the winter and that there should have no longer been an account. Old Navy/Synchrony Bank confirmed the fraud would be reported and that the card would be immediately cancelled. I followed up this conversation by mailing a certified letter confirming the cancellation of this account.
XXXX 2016 - I received written confirmation from Old Navy/Synchrony Bank that the fraud was being investigated. This confirmation was followed by the issuance of a NEW credit card, which I did not request?! I immediately returned, by certified mail, this card indicated it was not solicited and demanded that they DO NOT ISSUE me a new card. I then received a invoice for charging me the fraudulent fee of {$90.00}, plus {$25.00} late fee, plus {$2.00} in interest!?!? I phoned Old Navy/Synchrony Bank to inquire and Old Navy/Synchrony Bank advised to disregard the invoice at this time as investigation was on going.
XXXX 2016 - I received written confirmation from Old Navy/Synchrony Bank that indeed the {$90.00} was found to be fraudulent and that all associated charges and fees would be credited to my account. One week later I received an invoice from Old Navy/Synchrony Bank crediting me the {$90.00}, but still charging me an additional month 's late charge and stating that I now owed them {$53.00} in related fees associated to the fraudulent charge made on a credit card which I several months prior cancelled. I immediately phoned Old Navy/Synchrony Bank and they advised that the statement and findings had not caught up to each other and that I did not owe anything.
XXXX 2016 - I received a new invoice with an additional month 's interest and OldNavy Visa/SyncBank is claiming I owe them a total of {$80.00}, representing late fees and interest on a fraudulent charge incurred which I had closed several months prior to the fraudulent charge being made.
I am unable to make telephone calls during business hours week. I have spent weekends, evenings, postage, time and energy in attempting to resolve this matter. I can no longer afford to do so and ask that you assist me in this matter.
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| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX. XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. XXXX. XXXX Dear Sir or Madam : As of XXXX whats reported on XXXX Report still displays a fraudulent account on my report. Its not on XXXX or XXXX. I am writing to dispute the following information in my credit report file. I have attached several documents to show the fraudulent alleged accounts claimed that I owe. This account DO NOT EXISTS ON XXXX NOR XXXX.
The items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX account number XXXX with a balance of {$570.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible.
Sincerely, XXXX XXXX XXXX, Thank you
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| 05/05/2015 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Attempted to collect wrong amount
|
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Web |
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In or around XX/XX/XXXX, my former JC Penney credit card account was turned over to XXXX XXXX XXXX, a Debt Buyer in XXXX, VA.
XXXX XXXX began reporting this alleged XXXX XXXX to all national credit bureaus, in or around XX/XX/XXXX.
XXXX XXXX blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month.
They did this in : XX/XX/XXXX/XX/XX/XXXX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX.
As XXXX XXXX is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account.
Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time.
Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that Experian, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed.
However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX.
This is a lie.
If XXXX reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX.
This is nothing more than an underhanded maneuver by XXXX XXXX to " update '' this alleged Matter by XXXX year, thereby significantly increasing the negative effect on my credit scores.
Further, as XXXX XXXX has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by XXXX XXXX was in fact inappropriate ; that is why they removed it.
This would bring significant doubt as to the credibility of XXXX XXXX, and their credit reporting, as a whole.
Last but not least, XXXX XXXX reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX.
However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly seven hundred dollars.
This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor.
Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.
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| 03/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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Complaint Description : In XXXX of XXXX, my wife and I went to the XXXX XXXX XXXX in XXXX Ohio listed in above address. I suffer from a XXXX XXXX condition and my wife has a XXXX on the foot. Both conditions produce foot pain.
On XX/XX/XXXX, I and my wife were evaluated by the male staff person. He said that XXXX XXXX was a Medicare provider, and that he was going to diagnose my wife and my foot condition.
He informed us that Medicare 80 % of costs, and our XXXX XXXX XXXX would cover the remaining costs.
Next, the XXXX staff person said he would diagnose our feet to determine the our condition and prescribe orthodics that would address our respective foot conditions.
Based on XXXX staff persons diagnosis, he prescribed orthotic inserts for my wife XXXX XXXX and myself : The staff person that waited on us examined our feet and diagnosed the need for the following inserts : Model numbers XXXX, XXXX, XXXX.
XXXX XXXX representative informed us that Medicare and XXXX XXXX XXXX XXXX XXXX would cover 80 % of costs ( {$1500.00} ) for Claim. Our portion would be {$380.00}.
XXXX podiatrist said that the Care Credit Card would cover the {$380.00} expense for both my wife and I.
XXXX XXXX instructed us to wear the three inserts, the most extreme for as long as tolerated, then wear the next level insert as tolerated, and then wear the lest rigid and less painful the rest of the time.
After wearing the inserts for ten days, and our foot condition became more painful. I called XXXX and spoke with a woman on named XXXX. I told her the XXXX XXXX prescribed our inserts orthodics but the pain of wearing the three different inserts as instructed had made our foot pain worse for my wife and I. I requested a refund.
The staff person, XXXX, said we could not get a refund because they were expressly designed for our respective foot conditions.
On XX/XX/XXXX, since we had 60 days to dispute charges for these unacceptable goods, we requested Synchrony Bank to cancel this order Immediately and stop billing us. According to Federal Law, Synchrony Bank is required too investigate and cease payment until this fraud is resolved.
Synchrony Bank never investigated our dispute for these fraudulent shoe inserts.
On XX/XX/XXXX, Synchrony Bank 's attorney issued a Summons in Civil Action from XXXX XXXX XXXX XXXX, XXXX, Ohio Case # XXXXXXXX XXXX XXXX XXXXXXXX. Synchrony Bank is requesting we pay $ XXXX That we are required to serve upon the Plaintiff 's Attorney, or upon the Plaintiff, if he has no attorney and the court, and answer within 28 days ( By XX/XX/XXXX ).
Please help.
Respectfully, XXXX XXXX
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| 08/26/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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Synchrony bank is the creditor. I have had 3 accounts with them where they sneak onto your bill ( card security ) that charges a monthly fee. 2 of my accounts they did this to and when I confronted them on one of the accounts they always say " you signed up '' for it but I never sign up for credit insurance on any credit card what makes them so special. I did not sign up for I told them so on one of their accounts they refunded the money then a month later I seen it on my bill again. Same thing happen they said I signed up for I told them I didn't they refunded. Then on my synchrony lowes account which I forgot to look into thinking it was a random accurance on the other account. I finally after paying huge monthly payments to synchrony lowes account {$280.00} per month couldn't fathom why my bill never went down only went up when I hadn't purchased anything in nearly 6 months. So I looked at my statements and seen they were charging card security on that account to the tune of {$100.00} plus per month for years they were charging me this and when I confronted them they said their classic line " you signed up for it ''. I was livid paying for years on a card trying to pay it down but couldn't because they were scamming me all along under the guise of ( card security ). They only refunded {$1300.00} of that money but they owe me much more than that plus interests. They been charging me interest on charges that should have never existed. When I confronted them on that they said " case is closed ''. I want to sue them and expose them for what they are doing to unexpected trusting consumers. We look to businesses to hold the highest standard not be crooks. They also used this as a excuse to lower my credit limit and when they did that which they did numerous times they solely destroyed my credit. I never defaulted or was late on any payment to any of my credititors not even synchrony bank but they have been he'll bent on ruining my credit and it all started with their scam they pulled on my called XXXX XXXX. I want them fined and held accountable for harming me financially and damaging my credit by deliberately lowering my score so they can up their fees making me look like a credit risk. I am also doing XXXX reviews to warn everyone about they shady business practices. Oh this lowering my credit limit thing they are pulling this is what they did. So my lowes credit limit for example is XXXX and my balance is {$4700.00} so what they will do is lower your credit limit to {$4700.00} then you pay {$1000.00} then they lower it again and so on each time they lower it damaging your XXXX XXXX.
|
| 01/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/2020, I logged in to my Synchrony Bank Amazon credit card account. I saw a banner on the page notifying me that my account had been closed. In the week or so prior to this, I had attempted to make a payment on my card, and the payment said 'returned '. I could not understand why, seeing as I had sufficient funds in my account. I therefore tried the payment again, only to get the same message several days later 'returned '. I spoke to an agent, and it was discovered I had entered my bank information incorrectly. I was assured that as it was obvious the payments were returned due to my clerical error, this wouldn't be held against me, and my account would be held in good standing. I proceeded to correct my error and made a full payment. Several days later, I logged back in, and I saw the banner saying my account had been closed. I contacted Synchrony and requested that my balance of points, totaling in excess of {$500.00} cash back I had earned, be sent to me by way of check or other means, as my account had apparently been closed ; contrary to what was promised me by their agents. I spoke with Synchrony online and was informed there was nothing to be done, they had closed my account immediately upon receiving my payment despite telling me they would do otherwise, and I would not be receiving any of the XXXX XXXX dollars rightfully mine. I now have an account that they closed, despite promising me otherwise, and I am now missing many hundreds of dollars I earned. I attempted to speak with them further, was put on interminably long holds, and was unable to make any progress.
I filed a CFPB complaint on XX/XX/2020.
My complaint is now closed as the company says they reached out to me and have not heard back.
This is false. I will happily provide call logs and SMS history to show as such.
Additionally, the company states the reason for my account closure and seizure of my funds is something on my XXXX credit report shows a 'high probability ' of me not being able to make the payments.
I ordered a copy of this report, and every single account on my credit report is in good standing. There are no negative marks or notations. It follows that my account was closed, and my funds seized, with absolutely no good cause.
The company has never reached out directly to me, providing a name and/or number I can speak with, other than providing me their general Customer Service phone number, at which there is nobody that can provide any further info.
The company is unresponsive to multiple and repeated requests for further information, and they are still in possession of my money.
|
| 08/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
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Since XX/XX/XXXX Synchrony Banking has been continually calling me. After contacting them and advising them of the payment issues they've gotten worse with their harassing tactics. I don't believe they think customers won't complain but I was a XXXX for 25 years and I've filed Harassing Phone Calls for less. I expect something to be handled with this type of issues.
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I called to get them stop harassing me and advised that I had sent in the payment. After speaking to them they found that I had sent the payment in and the calls stopped for a time.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I contacted customer service and had been explaining to them that I was attempting to pay off the amount but they would not allow me to do so saying they can only accept from a bank account number. I've still got {$2800.00} on my discover and only owe these guys {$2700.00} and they won't let me pay it off.
XX/XX/XXXX I started attempting to transfer these funds to my bank account to pay them off but the calls continued to come non-stop.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went onto my account and changed my phone number to an old number I don't have anymore to get them to stop.
XXXX XXXX I again attempted to pay with the Discover card explaining to the customer service person that i have the funds but need to pay them so they'll stop calling and harassing me but XXXX wouldn't help and didn't seem concerned in trying to help me out.
We have enough issues in this country and I'm trying to pay off my account and be responsible but I keep being talked down to and treated like crap. If these people hate their jobs that much they can find something else to do, but since this XXXX XXXX XXXX stuff has started these people sit at home and harass others that are still outside " Not Scared of a common Bug '' and working to pay bills. By the way I can pay my bill but they're being difficult in taking a payment.
|
| 07/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
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I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed.
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so.
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION.
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them.
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime.
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES.
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
|
| 10/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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My name is XXXX XXXX and on XX/XX/XXXX i unknowingly signed a contract witha JC Penney decorator name XXXX XXXX. My partner XXXX XXXX and I had agreed to meet with XXXX for a consultation for custom drapes. The Original quote was over S 5,000 and i advised XXXX that we could not afford that. And apologized at that time XXXX then stated i could apply for a credit card i advised her that i was unable to do that. She then asked if XXXX could apply and he agreed she then made a call for XXXX to apply over the phone she stated if he was approved she would give us a discount. XXXX voluntarily gave the information that XXXX requested and was approved for over {$3000.00} in credit. XXXX then advised us shecould give usa XXXX discount since he wasapproved for the jc penney cc. He agreed to put XXXX on his jc penney credit card and i asked my mom if she could payXXXX on my behalf oncethe drapes were installed. XXXX took all my moms information over the phone while i went to use the ladies room. My mother is an elderly woman XXXX years old and XXXX knew that and mislead my mother and committed fraud. At no time did she tell my eldetly mother she would be charged XXXX XXXX on that day and she said she put XXXX newly approved JC PENNEY CARD on the custom drape order for XXXX.. My moms cc was charged without her permission on XXXX XXXX 2018 for XXXX and then charged again for XXXX on XXXX XXXX 2018 without her permission and under fraudulent pretenses. At the time i signed what i thought was a confirmation of the appointment was fraudulently a contract. On review of the contract XXXX listed all the credit cards in my name which none of the enclosed cards are mine andi amnot an authorized user on any of the accounts. This company has committed fraud on many levels. You can not change a contract which is a legal binding document and charge a 3rd part cc for a fraud contract in my name. I decided to leave the relationship and the house and XXXXtold me he called XXXX and told her hewas not paying for the drapesand she advised him to cancel his jc penney cc and theywould charge my elderly mothers bank account without her authorization. When XXXX called JC Penney they told him the contract was in his name my name was on paperwork because i made the appointment which was not true .Please have JC Penney to listen to calls and review notesfrom calls made to JC Penney Customer Service . I would never sign a contract for drapes in some oneelse house because i was off work due to a XXXX XXXX,. XXXX needs to be investigated and fired. Her and XXXX are friends and plotted this together. Thank you.
|
| 04/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
My complaint is with Care Credit. On XX/XX/XXXX, I had an outstanding balance of {$5000.00}. {$3100.00} was in " regular interest-accruing purchases '' ( or promotions that have run out and I'm now paying interest on ) and {$680.00}, {$190.00} and {$970.00} are promotional purchases. I investigated where my payments are going and none go to the promotional purchases. I looked up the contract. It specifically states you can decide where your payments are applied. Looking over my history - I see all payment go to the interest earning amounts so none go to the promotional amounts. Therefore, the promotions, for me anyway, have been useless, completely deceptive and have cost me {$100.00} 's if not {$1000.00} 's over the years. I called on XX/XX/XXXX to speak to customer service. First of all, you wait 30-60 minutes to reach someone. Then the person I spoke with could NOT understand, or did not WANT to understand how I wanted my payment to be applied. After much frustration, I asked for a supervisor and he would NOT transfer me. So, I started the process again. Waiting forever on hold then speaking with another man who was VERY understanding. After much discussion, he was going to apply {$140.00} to my {$680.00} promotional purchase, {$25.00} to the {$190.00} promotional purchase and {$170.00} to the {$3100.00} balance He even gave me details stating that I would then owe {$540.00} on the {$680.00} balance and {$170.00} on the {$190.00} balance and {$3000.00} on the {$3100.00} balance. After this payment posted it all went to the {$3100.00} balance. This will mean I never pay of the promotional purchases within their time frame. I called back on XX/XX/XXXX, only to wait again forever, and finally hung up. This is fraudulent behavior and I am willing to fight this to the end. There are a myriad of complaints about this company and nothing has seemingly been done by the XXXX. Care Credit 's website states payments can be applied as desired ( I'm sure it is within some guideline around minimum payments but that is NOT stated, however I paid well above the minimum payment required ). Researching I see that this has always happened with Care Credit on my account. I was very upset for days about this. Their practices are and fraudulent. PLEASE HELP. I WILL NOT SPEND HOURS WITH CUSTOMER SERVICE EACH MONTH TO CALL IN AND EXPLAIN MY DESIRE TO SOMEONE THAT " DOESN'T UNDERSTAND '' OR DOESN'T SPEAK MY LANGUAGE - ONLY TO HAVE THEM COMPLETELY LIE TO ME ONCE I GET SOMEONE THAT SAYS THEY WILL HELP. I will pay this off and never use this card, or any card, associated with Synchrony Bank again.
|
| 03/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
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PayPal Credit has offered both 6-month and 24-month payment options under certain purchase price conditions, interest free if such payments are made before the end of the payment term. Previously I have always made 6-month deferred payment purchases without incident. But on XX/XX/XXXX I made an XXXX purchase of {$1200.00} with '24 Easy Payments '. And on XX/XX/XXXX I made a second XXXX purchase with '24 Easy Payments ' in the amount of {$1800.00}. I specifically made these purchases because of the 24 month ability to pay them off. During the months of XXXX, XXXX and XX/XX/XXXX I made payments in the amounts of {$1200.00}, {$1500.00}, {$1500.00} totally {$4200.00}. On XX/XX/XXXX I had a balance of {$5500.00} which reflected 6-month deferred purchases on 6 separate transaction that were made in XXXX and early XX/XX/XXXX in various amounts. I discovered on XX/XX/XXXX that PayPal had applied the {$4200.00} towards my XXXX XXXX month deferred payment purchases which are due in XXXX and nothing to 6-month payment purchases made at much earlier dates with the effect being that those 6 month credit purchases are now due in 2 or 3 large payments and my account will then be paid off because of the accounting method PayPal. I first 'live chatted ' with XXXX regarding this strange accounting practice and he gave me 2 explanations. ( 1 ) The company knew they had a 'glitch ' in processing payments and ( 2 ) It was necessary for me to call PayPal every month after I had posted a pending payment and tell them how I wanted my payment to be re-allocated. And then that re-allocation would be made in 1-2 billing cycles. I asked XXXX where in the PayPal website it told me that my monthly payment would first be applied to '24 Easy Payments ' purchases rather than earlier purchases? And where did it state I needed to call and reallocate my payment if I didn't like the way PayPal allocated it? He said there was nothing in the website. I asked how was I to know to reallocate payments and I was told that I had to figure it out myself. I asked for it to be resolved yesterday and I was told to call PayPal at ( XXXX ) XXXX which I did and spoke to both an agent XXXX and an Account Manager XXXX. XXXX reiterated that it was my responsibility to call and reallocate the payment however I saw fit. She offered to reallocate funds but said it would take up to 2 months and that I should still pay applicable charges to avoid interest penalties. Paying applicable charges amounts to paying off the account instead of having the option of carrying the amounts for 24 months. A very deceptive and unfair result.
|
| 04/03/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have had a long-standing dispute with XXXX XXXX over my Guitar Center credit card ( account number ending in XXXX ). In XX/XX/XXXX I filed a complaint with you. Please refer to CFPB case no. XXXX. This case is NOT closed to my satisfaction. Synchrony continues to overcharge an account that to my best knowledge and ability should be paid in full. I don't know where the discrepancy originated, but one problem is that Synchrony has records of only three refunded purchases whereas I actually had five. Oddly, both Synchrony and I have records of my account activity, records we both say are directly from Guitar Center. But Synchrony 's are missing one purchase and two returns. And I must add, my GC records predate Synchrony 's by about two years. Yes, I have copies of all these, which were handed to me -- twice in XX/XX/XXXX -- by a GC manager after he researched my entire account activity on his system. On my two visits to this store, in XXXX and XX/XX/XXXX, I was given all of my GC account information -- in hard-copy documents, including transaction numbers, dates, and both purchase and refund amounts -- and this information was consistent to the penny both times ( accounting for my intervening payments ). Most important, this information also accorded with my own knowledge of what purchases and returns I had made. So, based on this information, I continued making payments on this account until the balance GC showed me was paid.
Somewhere, somehow, the communication between Guitar Center and Synchrony has failed to accurately track my purchase and return activity. Synchrony refuses to consider this possibility and stands by its own flawed record.
Now, what's worse, Synchrony has turned my account over to a debt collector, and the reports of delinquency sent to the credit bureaus has made my XXXX credit score plummet from over 800 to XXXX! It is not fair that a financial institution can so easily destroy my financial life while I seem to have no recourse. If this matter involved thousands of dollars, instead of hundreds, I would file a suit against Synchrony, but as it is, that would not be financially practical for me.
I would just like to point out that, if our situations were reversed and I was the one with a record of only three refunds while Synchrony showed five, NO ONE would reasonably claim that I was likely to possess the more accurate account of the two! The obvious question should be, Where did the other two transactions come from if they're present in only one set of records? And yet Synchrony has made no attempt that I can tell to address this question.
|
| 09/23/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased a home improvement project totaling {$2900.00} through Lowe 's on XX/XX/2019 and used my Synchrony Financial Lowe 's store card. I have since paid this purchase off. After the home improvement installation was completed, there were several severe areas of shoddy workmanship that caused my home to flood among other issues. I contacted Lowe 's and its contractor for resolution and received no response. I then submitted my dispute following Lowe 's dispute process through the USPS ( certified # XXXX ).
I called Synchrony Financial on XX/XX/2019 to follow up on my dispute. A representative named XXXX advised that my dispute had not been received and offered no further assistance. I then asked XXXX if he worked in the dispute department to which he confirmed he did. I asked XXXX if he could initiate my dispute as the documents were en route to his department. XXXX advised that if he opened the dispute, that Lowe 's would send employees to my home to forcefully remove the three entry doors that had been replaced. I advised XXXX that his threat was an inappropriate scare tactic and requested to speak to his supervisor. XXXX ( employee ID # XXXX ) identified herself as an Account Manager. I asked XXXX if she was the Supervisor and XXXX responded that she " was as high as you're gon na get ''. What followed XXXX 's unprofessional response was an escalated and combative exchange about how unprofessional she is in her representation to Synchrony Financial. XXXX eventually disconnected the call with no assistance.
Immediately following the heated exchange, I emailed the Office of the President for Synchrony Financial ( XXXX ) to report the scare tactics and abusive, unprofessional, and rude behavior I had experienced. I followed up with a second email on XX/XX/2019 requesting a response and assistance. To date, both of these emails have gone unanswered. This led me to filing this complaint.
When I placed my call on XX/XX/2019 to Synchrony Financial 's dispute department, I expected to be assisted as the USPS had delivered my dispute. Following the call and email to the Office of the President, I received notification dated XX/XX/2019 that my dispute had been received. I do not trust Synchrony Financial 's dispute process as their representatives incorrectly advise that disputes had not been received when they had. Moreover, I have very real concerns about representatives like XXXX and XXXX handling customer disputes as they utilize scare tactics and unprofessional behavior to avoid processes and procedures in place by Synchrony Financial to investigate disputes.
|
| 11/17/2016 |
Yes |
|
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Web |
|
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In 2014, I opened an American Eagle credit card. I paid the first bill right away. This first bill was sent to the address of XXXX, MA XXXX. Then, my family and I moved to a new address which is XXXX, which is also in XXXX. After this occurrence, I never received a bill after that. Until recently, I received a bill ( letter ) which was from a company called " XXXX '' which stated that the XXXX Inc, Visa card account was moved to a different agency called " Synchrony Bank. It also informed me that the account was seriously past overdue with the bill of my total balance that was due, which I paid immediately. But the problem was that I never received any bills, letters, or phone calls between the time of these two bills, so how could I have paid the unsent bills. Synchrony bank never sent me a bill since I received my first bill, until the one that was most recently sent.
I was filled with confusion on what has occurred and why I never received those bills. So I called customer service of Synchrony Bank. The representative I spoke to told me that my account was totally shut down. I also asked when I first received the bill and at which address, she responded with XXXX , and it was received 2 years ago which was correct. Then I asked for the new address, and she told me the new address was XXXX, which was incorrect. The address was actually XXXX and not XXXX. The representative said someone at the company put in the address incorrectly, and the system saved an incorrect input that Synchrony bank inserted. This meant that I was not at fault and Synchrony bank was the one who inserted my address incorrectly, causing my credit score to fall.
After the call, I sent a dispute letter to Synchrony Bank which stated the mistake that they made. Synchrony Bank sent me a confirmation letter back stating that they have verified the account being paid in full. It also stated that " we have contacted the consumer reporting agencies XXXX and requested that your account record be updated to reflect the status : account Paid in full, was a charge off ''. So again I called Synchrony bank asking if the letter was actually sent because I have received no further information in over 2 months. The representative told me the update status was sent, and the account was updated to fully paid.
In conclusion, I still see no change in my credit score. Nothing has even occurred or even updated to my credit score.Synchrony Bank inputted my information in incorrectly in the system, due to this mistake I have to suffer the loss of my credit score. My credit score remains as it was when it dropped.
|
| 03/11/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is the letter I sent to Paypal buyer credit including pictures of the discrepancies they did not even review my evidence before they looked at the sellers and ruled in her favor. A supervisor stated that they have a automation system that determines how it it ruled. The wig is not as I order nor des it do what it promises on the website.
Dear PayPal Buyer Credit, First, I ordered a custom silicone wig from XXXX. The promise was that this wig will create a suction on the head of bald individuals and essentially become a second skin. In other words, the wig would suction to the head without the need of adhesives. A major defect I noticed immediately was when I attempted to install the wig on my head the sides of the wigs kept lifting up from my scalp. ( Please see that I complained about this multiple time to XXXX ). When I initially addressed this issue with XXXX in a phone conversation she stated, yes this is a flaw with this type of wig. XXXX never informed me of this flaw and the wig not only doesnt stay down on the sides after attempting to install it multiple times the silicon only sticks to certain parts of my scalp. ( Please see what her company promises on her website ) And it says nothing addressing what she stated in her first phone conversation nor her second response in writing.
Again, in XXXX second response in writing, she began making accusations that I did not measure correctly. Therefore, by this time I found it wise to get all correspondence with her in writing. And this accusation is not true I have XXXX XXXX and I have been wearing custom wigs for over 10 years now and I order at minimum three per year and I am skilled at taking my measurements, which has rarely changed over the years. ( Please see correspondence ). Please see website and cap that I picked. https : XXXX XXXX, I also sent a picture of the hair texture I wanted mimicked, and this was not correct also. The hair texture that I received is very kinky and nappy. I requested a hair texture that was similar to a XXXX womens hair after having a perm for a month or so. It is slightly course with a wavy textured look to it ( Please see sample pictures in comparison to what I actually received ).
Lastly, the final invoice I received reflects that I requested baby hair around the perimeter and the wig does not have any baby hairs.
In closing, I made several attempts to have these defects of the wig corrected and it obviously was not honored. As a matter a fact she began accusing me of not measuring correctly. Leaving me with no choice but to dispute this half of the charges from her.
|
| 11/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I had an account with XXXX XXXX when I purchased my XXXX lawn mower in XXXX XXXX. I set up automatic payments from my account and every payment was made on time. In XXXX, XXXX XXXX took a payment early, thus making two payments in one month period. They then said I did n't make the following month 's payment and it was n't I received notice that they said I had skipped a month that I realized there was an issue. I called them and they said go ahead and do not make an extra payment and then we will correct it on our side, using the double payment to be the skipped month 's pament. They agreed that I had made the payment on time and would fix their records. Well, they never did. I continued to make payments until I received a notice from Synchrony telling me that they sold my account to XXXX XXXX XXXX and I still owed a balance of {$2100.00}. This letter was dated XXXX/XXXX/XXXX. I did not open it until XXXX XXXX and continued my automatic payments to XXXXXXXX XXXX and they apparently just passed the payments to XXXX XXXX. The mower should have been paid off in XXXX XXXX yet they still said I owed a balance of {$910.00}.
I called XXXX XXXX and XXXX XXXX to resolve the situation. After many calls, emails and letters mailed it was resolved. On XXXX/XXXX/XXXX, I received a letter from XXXX XXXX stating that the account is considered closed, I had no further obligations and that the account would be removed from my credit reports. XXXX XXXX did do what they stated.
My credit reports still shows late payments and an open account with XXXX XXXX for the lawn mower. It is impacting my credit score and I would like that account to state closed with no late payments. As this was an error on XXXX XXXX 's part, my credit reports should not show ANY late payments and this account should be closed, in good status. Please help this get fixed on my credit report. XXXX XXXX is terrible to work with and it was n't until 2 days ago when I applied for a loan that I am STILL being impacted by them. This should have been reflected a year ago and they have neglected to keep their promises. They are terrible and their business practice is deceptive. A number of people that I have spoken to about them have stated similar occurrences happening to them. I refuse to have another card with them and recommend no one deal with them unless you want to be conned out of money.
Please help me get this fixed on my credit report. This should state account closed in good status, with no late payments. Thank you for your assistance with this matter as XXXX XXXX has not been helpful getting this fixed.
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| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I received an alert on my phone that my card was charged for {$XXXX} on a hotel site. I did not authorized the charge, i was checking hotels at the time on XXXX. I called immediately my credit card company : TJX Rewards XXXX XXXX issued by Synchrony Bank. I explained the situation and requested the charge to be denied as it was still pending. The man on the phone said they had to let it go through but not to worry as they would investigate and refund the money to me. On XX/XX/XXXX i received the refund, then on XX/XX/XXXX i was charged again for the same and it was noted on the statement as a re-bill. I called to inquiry what has happened and they told me the merchant ( scammer ) had provided sufficient documentation to prove i made the purchase, i requested such documentation because it was a lie. The documents they sent were the merchant 's rules on cancellations and such ( i am sending this documents in the attachment ). I told them i did not care what their rules on cancellations were, because i have never made a booking with them to begin with, they stole my information ( i'm thinking because i have everything stored in google ( including the credit card to be prefilled ) and by this time i had already investigated more of this merchant, there were hundreds of complains same as mine on the site XXXX. I told the agent this and that i needed the dispute to be reopened. They reopened and sent me the same packet with the scammer 's rules on cancellations and told me they sided with the merchant. So i paid the credit card balance in full and closed the account in XXXX of XXXX.
On XX/XX/XXXX i received a call from a man, he presented himself as an agent for the credit card company and asked if i was satisfied with the results of the investigation. I told him i was not but i did not care anymore as the account was closed already. He said if wanted to he would reopen the investigation. I told him to go ahead but i had no faith in their system. On XX/XX/XXXX i received an email from Synchrony bank containing a letter saying they would be refunding the money within XXXX days ( letter is attached also ).
Since i never got the refund i called to inquire about the check in XX/XX/XXXX, instead of looking into what happened with the check, they once again reopened the case, i did not hear back so i called on XX/XX/XXXX and they told me they sent a letter on XX/XX/XXXX siding with the scammers once again. I asked why would they do that and what happened with their resolution from XX/XX/XXXX. They said they did not know but the case was closed and against me.
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| 03/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This credit card balance started in XX/XX/XXXX when I went to a XXXX service. I was in pain when they offered a care credit plan to pay for the future services that I was about to receive. Under that circumstances, I agreed to it. The XXXX was not able to find the reason for my continued XXXX pain so I decided to stop going there. On the other hand, I sent my 1st payment of {$50.00} to care credit to honor what I signed for. Then I asked the XXXX XXXX place to canceled all planned services and they agreed. Also, Care Credit refunded my first {$50.00} payment sent, and apparently, my account got closed ... That's what I thought ... I also received a statement with XXXX balance. After a while, I started to receive statements again. I called care credit and they told me that sorry but your claim was resolved and you still owe that money. I made several attempts after that disputing the charges, again, and again, and again ( all cust ser, collection serv, and managers were recommending me to file a new dispute ). After having so many attempts to resolve the charges, I called my XXXX XXXX to see my options and they told me to go back to the same XXXX and get my XXXX XXXX since they already paid for it and I have the debt on the care credit. So, I called care credit and I decided to settle the account since I saw that they were not able to do anything for me ... The very next day I returned to the XXXX ( they gave me an appointment right away for my XXXX and I paid out of pocket my deductible ) they also showed me that they refunded {$160.00} and {$550.00} to the care credit card!!! Those credits were never applied to my account!!! I had all those years disputing a charge that was already refunded in XX/XX/XXXX!!! I can say that in XX/XX/XXXX there was only one manager that found those credits under but under a different account number and she promises me that it will get resolved ... Two days ago I reviewed my credit report and it still shows the care credit with a debt of {$1300.00}. I have been calling care credit like 7 times a day, and in the end, all people from customer service are hanging up on me ... they all said that they can not go back to XXXX to see the credits and they can not transfer me to a supervisor ... one said that a supervisor will call me but nothing yet. This is affecting my credit report big time now that under this circumstance I need to refinance my house ...
I would like to add that my XXXX XXXX place acted in good faith and refunded the money in a timely manner. It is the care credit card that is failing its duty to me as a customer.
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| 05/12/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I contacted XXXX XXXX, XX/XX/2018 to let customers service know that I was faced with a temporary hardship, I was recently diagnosed with XXXX XXXX XXXX/ XXXX XXXX.And was explaining to the customer service representative that I would be a little late making my monthly payments on my account, the representative told me the only option that were available were a hardship program that I could I enroll into. The representative didnt cleared explain the policy and rules. However she failed to mention that my accounts would be closed permanently. I wouldnt never told her to close my accounts permanently. I have never been 30 days past due on none of my credit cards with this company. I had just taking 2 forms of XXXX treatment whenever I was talking to customer service. I was experiencing XXXXXXXX XXXX.I have been a customer with this company for years. This company closed my account without my permission or consent. I was only asking the representative for temporary help until I finished my XXXX. Never thought I would end up with my accounts closed that I have never been 30 days late on because I simply asked for temporary help during a time I was diagnosed with XXXX. I have done a lot of business with this company. The representative was aware that I didnt understand the terms and conditions. She had me thinking she was really trying to help me. I was totally mislead. And she were fully aware that I were looking for help temporarily. This is totally unfair. The other credit cards that I have with the company, they reduced my credit limits on my cards, due to the fact I was faced with a temporary hardship My accounts were in great-standing and never 30 days past due. This company ruin my credit score due to lowering my credit limits and closing my accounts that were in great standing. I contacted XXXX XXXX several times and ask them to reinstate my credit cards that they closed without my permission or consent. But they refused to reopen them. I have never signed any type of contract to have my good- standing accounts to be closed. I were never informed of their terms and conditions on entering their hardship program. I have never received any type of information in mail or anything concerning the steps or terms of their hard ship policy. I feel XXXX XXXX discriminated against me after I told them I had XXXX XXXX. And if XXXX XXXX tries to say the reason they decreased my credit limits on other cards were my credit score, that would because they closed out 4 of my credit card accounts that were in great standing for years. This company only cares about themselves.
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| 08/23/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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XXXX XXXX XXXX called me in XXXX 2016 regarding a supposed debt they purchased from Synchrony Back/ Care Credit. I requested that XXXX XXXX Validate the debt in this initial call. Agent stated that they do not have to validate anything and that I had an obligation to pay. I sited the federal and state statue to agent at which point he stated that they do not take validation requests and that I must submit in writing. Agent refused to give ma an address where I could submit so I located it on line and on XXXX XXXX, 2016 I sent a written request to MCM.
On XXXX XXXX 2016 I was served a summons to either respond or appear in a complaint regarding this attempted collection. In XXXX I summons can not be served prior to an action being filed with the clerk. I called the clerk of the XXXX XXXX Court and was told that nom action had been started.
Summons have XXXX date on it and does not have a court seal or case number.
Called XXXX XXXX Court on XXXX : advised that there is not case filed with the court XXXX XXXX XXXX XXXX XXXX XXXX XXXX That if a case was filed, before a summons would have been stamped with a case number and a court seal.
Called the number for the Attorney on the account and was rounter to a dump all number for XXXX.
Was given a different number XXXX. Spoke to XXXX XXXX Advised about the information that I previously filed and that there was never a response. Advised that I would fax and mail again Advised that the tactics of serving someone with a summons on a case that has not been filed is an intimidation tactic and violates XXXX and FDCPA XXXX Gave me Fax XXXX XXXX advised that I should talk with a paralegal or attorney for XXXX and transferred my in to a bling que.
Spoke to XXXX XXXX Ex : XXXX As I was discussing this action with him he attempted to say that XXXX is a serve first state. Advised that I spoke to the court clerk in XXXX XXXX and was assured that service is only legal after an action is filed.
Advised on history and Midlands Failure to provide validation. Advised that filing an action in this case is illegal and that serving a summons is an act of intimidation and violates Federal and State Law.
I advised that I would be happy to email the previously filed validation request and was either place on hold, muted or was disconnected.
Called back : Spoke to a rep names XXXX and asked him to transfer me to XXXX XXXX
XXXX provided me with his email address and stated that he was putting together a validation letter.
I received the so-called validation but there is nothing in there that states my rights as is required.
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| 08/11/2016 |
Yes |
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Web |
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I had XXXX ( XXXX ) credit cards with TJ Max, XXXX was already closed in XXXX, and the XXXX card I opened in XXXX. I made regular online payments since it was originally opened it. However, when I called in XXXX of XXXX to get balance and payoff information on my current account XXXX, the representative from TJ Max gave me the wrong account information and stated that my balance was XXXX and that my account was closed. Since TJ Max confirmed I had a XXXX balance, I stopped making payments as of XXXX. However, I actually had {$35.00}. Recently, I received a credit card statement for XXXX and there was a balance of {$130.00} on it. I was very confused and concerned. So I immediately called them and paid it off. In addition, I asked what this was and was told these are late fees. I stated that I called in months back and that the TJ Max representative told me that my account had a XXXX balance. Right after I requested to speak to the manager. She gave me the run around and neglected to understand my situation and denied that it was a result of TJ Max 's representative. I repeatedly explained that this situation occurred because a past TJ Max 's rep did not provide me accurate account information of my account in XXXX. And to realize now, that my account actually only had a balance of {$35.00}, I am very upset that TJ Max has caused this matter. If I was provided with the correct information, I definitely would have paid it off immediately and would not allow the late fees to triple to a balance of {$130.00}. She was not listening nor empathetic and claimed that this happens all the time with other consumers. In other hand, she does n't believe nor wants to help me in any way. She also stated that this happens all the time, and that people do n't want to pay their account. From this reaction, I take it that she is categorizing me without knowing who I really am and does not care nor want to help with this matter. This was truly disappointing and frustrating since the negligence is because of TJ Max 's representative, and not myself. I truly believe that TJ Max 's is at fault since they provided me with the wrong information and lead me to believe my account balance was at XXXX. Also, TJ Max has penalized me with 3 months of late charges, and is trying to damage my credit. I am certain they are reporting to the credit bureau about this late payments situation. Overall, I truly believe this is very unfair and unjust business practice of TJ Max. TJ Max is very greedy, since they made {$100.00} off of late fees from me. Please assist and let me know what my options are.
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| 04/11/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Purchased a {XXXX} that qualified for Lowe 's 84 month fixed interest plan and had a second ticket that same day for {XXXX} that was wrung up at the store for 6 months deferred interest. We originally wanted all items ( both tickets ) on one ticket with the 84 month fixed interest terms. Minimum purchase requirements for the 84 month fixed interest was {XXXX}. The lowes clerk called the credit department for us and told us they added the smaller ticket to the bigger purchase with everything on 84 month fixed interest. Two years later I noticed my minimum payment dramatically increased and that they tacked on {XXXX} in interest charges. I checked my account and the smaller ticket had the 84 month terms ( which the amount didn't even qualify for those terms ) and the larger amount that originally qualified had been change to 2 years deferred interest. I was never told of this change at the Lowe 's here in XXXX XXXX. I went to Lowe 's on Sunday morning XX/XX/XXXX to question the charges and the best the store offered was to pay off the balance ( {XXXX} ) by XX/XX/XXXX to avoid the deferred interest. I then got home and called Lowe 's that morning at XXXX cst and talked to a " XXXX '' who put me on hold and the came back acknowledging the error on Lowe 's part and told me the interest was coming off and that I did not need to make payment. I confirmed repeatedly with her and she said it was fixed. I called the credit company back XX/XX/XXXX to double confirm and the rep I spoke to looked at the notes and confirmed I didn't have to pay ( which I was willing to do ). I was told by XXXX on the XX/XX/XXXX call the interest would be off by next next billing cycle which was " XX/XX/XXXX ''. That date came and the interest was still there. I called the credit company back yet again XX/XX/XXXX and that rep said it should be off by XX/XX/XXXX. That date came and it still wasn't off so I called back yet again on XX/XX/XXXX at XXXX and the rep I spoke to on that day said that " a request to change the promotion terms '' had been put it but it was not a guarantee that the terms would be changed. I asked about the interest and that fourth rep said I was locked in since I missed the XX/XX/XXXX deadline. I asked her why was told not to worry not once but twice by two different Lowe 's credit reps and she didn't have any answers or want to answer that question. My complaints are not just they messed up my account dramatically but they also misrepresented the situation to lock me into an interest charge I originally didn't sign up for. Any help at all on this would be appreciated..
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| 10/13/2016 |
Yes |
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Web |
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The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment.
1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}.
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16.
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with.
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance.
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends.
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full.
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice.
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice.
9 ) On XXXX/XXXX/16 I receive an email from Synchrony Bank informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance.
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to XXXX. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please.
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16.
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged.
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports.
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| 04/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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In XX/XX/2022 I had applied for an XXXX business line of credit, XXXX uses Synchrony Bank to underwrite this line of credit and issue the finances accordingly.
In order to improve the odds of my XXXX business line of credit approval, I offered a personal guarantee in my XXXX XXXX application because my credit score is over 800 and I have exceptional odds of approval, 100 % typically.
Without ever reaching out to me for more information, Synchrony Bank denied my line of credit and sent me a rejection letter stating that they were unable to verify my personal identity .... but how can the underwriters not verify my personal identity when my name, dob, social security number, telephone number, address, and e signature are on the application? Why didn't the underwriting department reach me directly to verify instead of denying?
I of course contacted them to address the issue and told them that there is proof that they RAN my credit report the day of my application, so how can they run my credit report with my name, dob, ss #, address, phone number and esignature yet not verify my identity?
The Bank refused to rescind the credit inquiry that they messed up and now I have an inquiry causing me negative impact to my credit report because they did a hard inquiry and then rejected my application after their representatives failed to do the underwriting correctly.
I filed a PA attorney general complaint to address this issue with Synchrony Bank as they refused to amend their negligence ... instead of contacting me using the number or email provided in the complaint, which is also in their records for the XXXX XXXX and a XXXX XXXX, ( so provided correctly 3 times ), they replied three months later stating they attempted to contact me via my old phone number which I never provided them on any of these applications... So they refused to mediate with me, refused to amend their mistake and have caused me damages by virtue of negative credit impact due to their mistake.
For further insight, in the same month I also applied for a XXXX XXXX who also use Synchrony Bank and I was approved for {$2000.00}, they performed the exact same underwriting procedure for both LOCs, just one they messed up and refused to fix their mistake.
I have recordings of their agents refusing to accept responsibility and help me, and even caught lying on record, HOWEVER, the CFPBs limited file size of 10mb isn't large enough to permit attaching to this complaint... I offer it in an auxillary email attachment as needed, please ask me for it, I'd love to send it over to the CFPB for review.
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| 08/29/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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Here is the email I attempted to send to the bank on XX/XX/2021 To whom it may concern, I am extremely unhappy with my experience with your bank. I opened this account on XX/XX/2021 in order to save money for my daughters college tuition. Your bank has made what should have been a happy occasion a very sad and stressful one. I have had the account for just one week and the only activity I have on my account account were two {$1000.00} deposits that I initiated from my checking account with XXXX XXXX dba/ XXXX. I also added my checking account with XXXX XXXX XXXX XXXX specifically to transfer funds from my military retirement pay to my daughters tuition fund. Somewhere in this very limited activity you claim evidence of fraud. On XX/XX/XXXX I received an email from Synchrony Bank stating that my account had been restricted and that my available balance was no XXXX dollars. I have contacted your customer service department at XXXX on XX/XX/XXXX and have done all I can to demonstrate that I am the owner of the external accounts listed with my savings account. I confirmed all my information with your customer service representatives and I am more than willing to send further proof in the form of bank statements or put you in contact with my banks in order to confirm that I am the owner of these accounts. This is what I am told your reason was for restricting my accounts. I am told my second XXXX dollar transfer did not complete before you restricted my account and as a result will be sent back to the originating account shortly. I do pray that is the case as I intend to file a report with the CFPB https : //www.consumerfinance.gov immediately. I am uploading a copy of my monthly statement from my bank after I requested a means of proving ownership of my account to your bank. They immediately complied with my request and I expect this to serve as adequate proof that I own the account in question. I am sending screenshots of my credit union account to demonstrate proof of ownership also. I am also sending a copy of my drivers license with current address. I expect someone from your bank to contact me and clearly explain why this even took place and when my account will be available immediately. I have been patient and have done my utmost to assist in your " investigation '' but I will not wait 30-60 days for access to my money. I am a XXXX military veteran on a limited income. I can be reached at # # # # # # # # # # and anticipate a call as soon as possible.
I was unable to send this email as the Synchrony Bank website kept returning the email as undeliverable.
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| 07/16/2017 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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Repeated and frequent phone calls. Sometimes minutes apart, sometimes an hour, sometimes hours. However, the calls are so numerous that I have stopped looking at the phone when it rings. I have enlisted with a debt consolidation firm to consolidate all of these cards. Most of whom are from Synchrony Bank. The calls that I am complaining about, are from Synchrony. Just in the few moments to write these few lines, Synchrony has called three ( 3 ) times which equals about 10 minutes time.
The firm that I have enlisted is called XXXX . They have instructed me not to speak to these creditors so I do not get shamed into making a payment to the creditor. Which according to XXXX would allow them to not participate in the program. So I have followed this advice.
Synchrony is calling from predominately four ( 4 ) phone numbers. Although on my caller ID shows number and caller information not available for others with no voicemail left. The numbers that I do have are : XXXX , XXXX , XXXX , and XXXX . From the voice mails, it is a robo-dialer.
I had entered into this program with XXXX on XXXX XXXX , 2017. I pay XXXX an agreed amount each month, via direct draft, and they, per negotiations with the creditors, pay a settled amount to clear the accounts. To the best of my knowledge, I am keeping my end of the agreement to which my creditors are not. Especially Synchrony Bank.
When I had first applied for credit with any of my creditors, I applied as retired ( XXXX ), for which I am. I had part time work working three days a week with a temp agency. That assignment has since ended the beginning of XXXX 2017. Prior to the loss of the PT job, there was a reduction of hours and pay, which did not help my credit payment efforts, hence the XXXX solution.
My research has enlightened me to Creditor Harassment under the Fair Debt Collection Practices Act ( FDCPA ). To which I believe that Synchrony Bank certainly is in violation of with the frequent, repeated calls throughout the day. As I stated earlier, three ( 3 ) such calls in the span of 10 minutes. I would like a resolution to this, and my research has also enlightened me to suing and getting {$1500.00} per call. With the volume of calls thus far, my indebtedness to Synchrony Bank is paid off and then some.
My suggestion for a just and fair resolution would be to call it even. Synchrony Bank stops calling, clears all of my debts due to them, due to the harassing calls, and enters positive cleared status on my credit reports. My remaining debts are my responsibility.
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| 01/14/2016 |
Yes |
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- Closing/Cancelling account
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Web |
Older American |
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Since XXXX of XXXX, I have paid my credit card statement the same way every billing cycle with no Late Fees but on XXXX XXXX, XXXX when I checked my account on line and found a Late Fee of {$25.00}, I called Synchrony Bank and they told me that the statement which was posted on XXXX XXXX, XXXX was due on XXXX XXXX, XXXX. I told the lady there was no way this could be true. It was posted on the XXXX, I paid it on the XXXX and it could not be due on the XXXX of the same month. I asked to speak to her supervisor and she told me the same thing. After all, they did remove the late fee. Things went on as normal until the following Monday which was XXXX/XXXX/XXXX. My statement for XXXX had been posted but I was charged a Service Charge of {$28.00}. I called Synchrony Bank again to find out what the charges were for and learned they were for purchases after XXXX/XXXX/XXXX which did n't make sense since I had paid the bill in full on the XXXX. This time I had spoken to a man which was very nice and I proceeded to tell him the things that had happened the previous Monday. He said he could transfer me to an Account Manager and maybe he could help me. I spoke with XXXX and told him everything that happened and he said that when I made the payment the same day as the statement was posted that it was applied to the previous month which caused me to have a Late Fee and service charges the next day for purchases. I had been a customer of Synchrony Bank since XXXX but had never been told that when payments were posted that I could not make a payment the same day otherwise it would be posted for the prior month. This is such an unfair practice and I had never been told that before so I proceeded to tell him that I would pay the balance in full and would close the account since I believed their " way of conducting business '' was wrong if not illegal. At this point I had accrued {$210.00} of rebate for XXXX. When I closed the account on XXXX/XXXX/XXXX, I was told that I would NOT be reimbursed the {$210.00} of accurued rebate. I told them that this is wrong and I do n't know how they can legally do that. The rebate was accrued in XXXX and had nothing to do with XXXX. I have been treated like a criminal when I was only a good customer from the time I became a customer of Synchrony Bank. I could not have been treated more unfairly. Someone needs to do something about this. I do believe this is illegal. I do n't know if this will affect my credit but I think if there is anything they can do to damage me they will do it. I do n't trust them else I would not have closed the account.
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| 02/22/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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For about a year now I have been going back and forth with the bank how about a fraudulent charge my account. I did attempt to purchased hearing aids. The hearing aids did not work properly they not only did not work properly they fell out of money ear they required to sell phones to make it work they kept speaking to me when I wouldn't be speaking to anyone I went back to the doctor and he attempted the adjustments that just did not work. There was a warranty on them that the doctor and manufacturer both refuse to honor. Dealing with the bank I have put in multiple calls telling the bank that they've participated in a fraudulent activity find not investigating why I am still being charged for the hearing aids when the hearing aids were returned to the provider. The rudeness of the bank why you not even sending me an email telling me their findings. I have been to the XXXX XXXX XXXX to report the hearing aid company, the hearing aid company said basically the doctor would have to refund the money. The doctor refuses to and keeps invoicing me for them. The bank has just been fighting with me without explaining to me any of the information that they have collected to keep the charge on my account. I believe the bank is in a criminal act by protecting the Doctor Who Sold me defective merchandise that was returned to him. I have made my payments to the bank and have asked them for help to resolve this issue to this day they have not. I need you to step in and get my money back the bank in the doctor are on the same page but they're not giving me any explanations other than emails from the bank that I can not open. When I've notified the bank of this I've been told they would send me an updated email and I never receive it. Now on the last encounter with the bank I have complained again it's interesting to me how for the first time I just couldn't pay the payment on time that the bank was able to call me and reach out to me and chastise me for not being on time but not once for a year has the bank reached out to me to investigate my complaint. The bank is committing an act of fraud an act of deception and should be investigated on how many people they forced to buy defective merchandise. Any help you can be I greatly appreciate it I am a XXXX XXXX victim that this doctor took advantage because I can't recall or remember or find any paperwork that I may have signed the bank has frustrated me for their lack of cooperation in this investigation.
Thank you, XXXX The following is the bank information Synchrony Bank XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX.
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| 07/18/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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Synchrony Financial closed my credit card account due to long term inactivity without providing me any notification that the account would be closed. I understand that those are within the terms of the account. What I do n't understand is why Synchrony does n't seem to care that this is a very frustrating experience for me as their client. I wanted to use this card but was unable to find it, so I called the service number on XX/XX/2016 to report it as lost. The system stated to me that my account was closed on XX/XX/2016 due to long term inactivity. The first person I spoke with said that it would be impossible to reopen the account. I also spoke with an escalation specialist who stated to me that the typical duration of " long term inactivity '' was 24-36 months, and that my account was inactive for 12 months. When I pointed out that this was inconsistent, she changed and said that 12 months also would be considered long term inactivity. She said that no person within the entire company has the ability to reopen my account.
I understand that Sychrony Financial mitigates risk by closing inactive accounts. I also understand that within the terms that I agreed to when I opened the account, Synchrony Financial reserves the right to close the account anytime without notice. My complaint is that this provides for a horrible customer experience. Does n't Synchrony Financialwant my business? Apparently not. Although I did not use the account for a full year, I planned to use the account when it was financially reasonable to do so. Is n't that the type of customer that Synchrony Bank wants? A financially responsible customer who will use the card and provide payment processing revenue to the bank without eating away revenue with unpaid principal balances? Synchrony Financial would a least do well to notify their customers that their accounts will be closed. Of course they do n't have to according to the terms and conditions. But why do n't they want to develop a good relationship or experience for the customers that they already have?
I was invited to apply for a new account with Synchrony Financial. This is not an appropriate resolution in this case because it has been less than 45 days since my account was closed. I believe this to be a reasonable amount of time for my account to be eligible to be reopened. I wish to use is card to maintain my good credit, and I do n't want an inquiry on my credit to use an account that I already had. If Synchrony Financial had notified me that my account was in danger of closure due to inactivity, I would have used the card.
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| 02/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
Older American, Servicemember |
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I was reviewing my credit card statement after I had paid off two of my promotional offers before the expired time that would prevent me from having to pay interest on the balances. Upon reviewing the credit card statement which should of had a XXXX balance I noticed I have been getting charged interest. I had contacted the customer service agent and inquired as to what I am paying interest for and was told that I had a charge back in XXXX that expired the promotional time. I had notes on one of my statements from XXXX of XXXX as to where I had talked to an customer service agent and was told about this charge. I was told if I paid the balance off of the older charge there would be not further interest charged it was {$330.00}. So I had paid that amount off at that time. Due to this matter once again at the present time I started reviewing my statements and have noticed that on the statement there is no information of the balance I am paying interest on and just the interest amount was shown on the statement. I also noticed that the payments I have been making all this time was going to the last purchase made instead of the oldest transaction. I have been told many times by customer service representatives that my payments that I make on the account always goes to the oldest balance first. When I chatted with a customer service representative they said my balance still owing is {$580.00} back in XXXX and that I am paying interest on that amount. I told them the amounts were not adding up due to it was 2 years ago and should have been paid off by now due to it being the latest charge. The person that I chatted with I could tell they got frustrated and let the chat time out. Looking further into my statements trying to find this purchase is when I noticed it wasn't even on the statement just the interest charge. Then looking further into my payments being made and what they are being applied to on my balances I owe that all of my payments I am making are not being applied to my balances nor the interest. So I want to know where the portion of my payment is going if not on the balance or the interest owed. I have contacted customer service numerous times and due to the frustration of the agents my calls were disconnected. So I feel that they can see all the information of the transactions and my statement is lacking information. This problem is so frustrating that I hope the company will address this matter to see if they are having issues with their programs. Or edit their statements so the customers can actually see what their payments are being applied to.
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| 07/23/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My basic complaint with care credit i.e. synchrony bank is that they resolved the dispute in my favor in XX/XX/XXXX then continue to bill me and now they are saying they resolve the dispute in the providers favor - here is a synopsis : XXXX XXXX XXXX XXXX Care Credit Rewards MasterCard Account # XXXX XXXX XXXX initially opened a quality of service issue on XXXX XXXX, XXXX for the full amount of the charges because the XXXX XXXX received at XXXX directly resulted in her suffering and death.
Documentation dated XX/XX/XXXX stated that the result was in XXXX favor. This also said they consider the matter closed.
XXXX called Synchrony Bank on XX/XX/XXXX to confirm status of dispute and was told yes she would have a XXXX balance when the full amount was charged back to merchant.
XXXX received a bill in XXXX from Synchrony Bank. Alarmed, she again contacted Synchrony Bank on XX/XX/XXXX, and was advised by a male who identified himself as a manager that yes when merchant was charged back she would indeed have a XXXX dollar balance.
XXXX continued to receive bills from Synchrony Bank and calls from collections. She was grieving and these calls were very upsetting. When she explained to the call center workers, they told her the collections department does not communicate with the dispute department. In XX/XX/XXXX XXXX sent the letter from Synchrony Bank stating the dispute was resolved in her favor back with the bill and a letter asking them to communicate and stop billing and calling. The bills continued and Synchrony Bank stopped the calls at XXXX request. Because the bills continued, in XX/XX/XXXX XXXX sent via certified return receipt, the paperwork Synchrony Bank sent her back to Synchrony Bank, XXXX received two documents on the same day -- one dated XX/XX/XXXX saying they received her dispute request and that they would investigate. This was confusing. The other document dated XX/XX/XXXX said they had resolved the dispute in the providers favor. This was very upsetting.
It appears that there was confusion because there was a misunderstanding regarding a refund the XXXX XXXX XXXX XXXX Hopsital made to the care credit account by communicating with care credit.
XXXX sent a letter to XXXX regarding their desire to refund {$290.00} on XX/XX/XXXX by certified mail. I have enclosed copies of the envelope dated XX/XX/XXXX and the letter.
This refund has absolutely nothing to do with the quality of service issue which the dispute was about. XXXX would like the resolution in her favor for a full refund to stand. She needs closure. XXXX died on XX/XX/XXXX.
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| 07/28/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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XXXX XXXX DBA Care Credit illegally recorded WRONG transaction amounts for XXXX work that was done from XX/XX/XXXX to XX/XX/XXXX. I was over billed in these transactions and ALL the recorded amounts were incorrect. XXXX XXXX and XXXX XXXX XXXX XXXX ledgers reflect these accurate amounts and the XXXX XXXX XXXX statements reflect the higher and wrong amounts. Interest was then charged on these false amounts. Also 38 % total interest was charged on these amounts as well.
I contacted XXXX XXXX on XX/XX/XXXX to get all the XXXX statements sent to me for XXXX to XXXX. I also contacted XXXX XXXX and XXXX XXXX and had them send me their statements from XXXX to XXXX. I contacted XXXX at XXXX XXXX with a demand letter attached stating that if they did not correct these illegal transactions and over billed transactions that I would take them to small claims court as well as contact CFPB. I contacted XXXX 2 more times ( XXXX XXXX and XX/XX/XXXX ) and she would only call me back and say she was researching the matter but refused to address the issue and was avoiding me over the fraud they committed against my account. XXXX XXXX recently changed the figures again on XX/XX/XXXX to more closely fit the amounts I had stated in my demand letter so they could avoid getting sued. However, I have the original statements which accurately reflect their inaccurate transaction amounts. ( Please see attachments ) The demand letter I sent to XXXX XXXX DBA Care Credit on XX/XX/XXXX XXXX XXXX DBA Care Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX Re : Demand for Payment To whom it may concern Please be advised that XXXX XXXX DBA Care Credit owes me the sum of {$5900.00} to me ( the card holder ) because of the following : 1. The charges reflected on my Bill statement are incorrect with the owed charges from XXXX XXXX XXXX. and XXXX XXXX ledger statements. This has reflected unethical and illegal business practices by XXXX XXXX dba Care Credit.
2. My Payments have been reflected towards interest and not the Principle of the loan in a fraudulent and illegal manner by XXXX XXXX dba Care Credit.
3. Usury interest rates of 38 % and higher has been applied to my account in a fraudulent and unethical manner by XXXX XXXX dba Care Credit.
4. On {$1700.00} for XX/XX/XXXX in Interest was applied to my account in a usury manner by XXXX XXXX dba Care Credit.
5. XXXX XXXX dba Care Credit is charging my account {$1600.00} more than what is owed plus the usury interest amount of {$1700.00} in XX/XX/XXXX and other balances totaling {$5900.00} that I do not owe. ( Overbilling )
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| 07/07/2015 |
Yes |
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Web |
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I have some issues regarding my Amazon Store Card account, I was hoping that someone would help clear-up : In XX/XX/XXXX after using the same password when logging into my online account since I first opened my account, my password no longer worked. I called customer service about this so I could make a payment, they said they had my bank account info and would process a payment. I also asked for a replacement card at that time. Unbeknownst to me, my XX/XX/XXXX payment which I made online had not been credited! Then later in XX/XX/XXXX, I received a letter that said my account was delinquent, to my great surprise. Now both of my last XXXX payments made failed on their end and my account was n't credited! So I sent a personal check payment along but did n't have time to call because I was going to be out of town for awhile.
On XXXX XXXX, I had time and called customer service again, my first XXXX attempts I was hung-up on after holding for very long times. After a hour of trying to speak to a rep, I was finally successful and got to speak with XXXX about the events that occurred. We spoke about how my payments were n't being credited, which she could n't give me a reason for. We also discussed how my passwords were n't working and how I was unable to access my online account, again she did n't know why. She helped me access my online account and told me I had n't been charged any online late fees and that I was in good standing. XXXX also said she would send me the replacement card I had n't received from my last request.
On XXXX XXXX, I called customer service again because my new password was n't working again and I was unable to access my account. I again had to request a replacement card because I still had n't receive one since the last XXXX requests. Once online I now could n't view all of my previous statements, even though I was always able to in the past.
Of greatest concern is that in XX/XX/XXXX, I received a copy of my credit report and saw that Synchrony Bank reported me as delinquent past XXXX days in XX/XX/XXXX. This is unfair considering my attempts to make payments and access my online account failed due to problems at Synchrony Bank. I ask that Synchrony Bank fix this and remove this blemish off of my credit report immediately.
Overall the experience recently with SB bank has been very disappointing, frustrating, and time consuming. I never had problems with this account before Synchrony Bank took over my account from GE. I look forward to hearing from someone from Synchrony Bank regarding the negative mark left on my credit report.
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| 12/15/2015 |
Yes |
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Web |
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XXXX 2014 I applied for a Sams credit card by phone. I told the lady on the phone I was using a captell phone for the hard of hearing and deaf. She was aware of my situation. I was told to get credit cards to build credit because I have never had credit cards before. On the phone the lady told me they were offering 0 % interest rate on the card. I accepted because I was told that was good otherwise I would have never accepted if there were interest rates. I was approved for the credit card in the amount of {$4000.00}. I did use the card and I have been paying on it every month. As months went by I notice they were charging more on my monthly payments racking the interest rates up. I was having a hard time paying all that money. The payments started at {$25.00} then I started paying {$55.00} a month every month then it started going up and up into the XXXX 's I am like wait a minute this is not right. Every month it be more then what the actual payment is suppose to be. I got laid off work and I still tried to make the payments. I called and explained and they lied to me about the interest rates. I filed complaints they agreed to credit some of the payments. In my mind why would they credit most of the payments because they admit they made a mistake. I told the I will not make anymore payments until they correct my account because I have been paying on it every month and that they lied about the interest rates. I am not paying until they remove their name from my credit report. They know they made a mistake because other wise they would have never credit the payments. I am asking that they fix my account because it should have never been closed in the first place if I was making payments on it every month being a loyal customer until they started cheating XXXX with the interest rates and lied about the interest rates. I am now being XXXX on my credit report because of them. I ca n't or not allowed to obtain credit with anybody else because they XXXX up on my account for something I was making payments on every month and this is not right that they are at fault for everything. I want them to credit me back what they owe me and take their name off my credit report. They knew I ca n't hear so they will use my XXXX against me to say I did n't hear the lady right. I have a phone that types everything the party says and I know they would not make a mistake on what the other party said. They can get fired for that. This is a government agent on the other line typing my messages. I copied all my seven months payments to attachment that I made to sam 's club card.
|
| 10/22/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
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|
Web |
Older American |
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Suddenly late XXXX, I noticed that they were not applying payments in full to my promotional payments even though they had the older purchase dates and deadlines were coming due. They were only applying a small amount to the promotional purchase and breaking the rest up over more recent non promotional purchase. I called and the first few times, it was corrected no problem. I was told I would see the adjustment online within 48-72 hours. I'd check back usually 48 hours later and I would see the corrections. I was was also told I would have to call every month to have payments applied correctly. That is ridiculous. I have two deferred interest promotional payments coming due. One in XX/XX/XXXX ( purchase date XX/XX/XXXX ) and another in XX/XX/XXXX ( XX/XX/XXXX ). Then I have standard purchases made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They are basically setting up the two interest deferred purchases for two extremely high interest charges that should be deferred if payments applied correctly. Monday, I called went through the process to correct payment allocation. I was told I would see adjustment online within 48 hour and on paper statement within next couple billing cycles. Today, four days ( 96 hours ) later given run around when inquiring. I'm told I have to allow 48 hours for online and 2 billing cycles for paper statement correction. I point out I have waited 96 hours to see online. I'm not referring to paper. The customer rep is stuck on his script. After constantly repeating that I've waited 96 hours and expressing my frustration and willingness to contact FTC, FDIC, CFPB and my Senator to request Congressional investigation into their practices, it's escalated supposedly to a supervisor who reads from the same script. I repeated what I told the customer rep and now am waiting on a callback within 24 hours from their corporate team. I don't expect a callback. I went to the online complaint forms for FTC, FDIC and CFPB completed them. I also called my United States Senators and Congressional Representive and gave details to their staff and am currently waiting on callbacks from each of them. This type of financial abuse by banks and credit card companies needs to end. My payments are on time and 2 to 3 times the monthly minimum. As mentioned before this has been an ongoing problem for approximately a year. Usually, once I call they follow through and correct the allocation. This week Synchronys customer service representatives decided to not correct the problem, leaving me with a potential interest payment that should be deferred.
|
| 01/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have two credit cards with SYNCHRONY BANK : A CARE CREDIT AND XXXX CREDIT CARDS. THE ADDRESSES ARE THE SAME : XXXX XXXX XXXX XXXX, FL-XXXX, ( XXXX ) XXXXSYNCHRONY BANK REFUSES TO REPORT MY ACTUAL PAYMENTS I MAKE PER MOUNTH FOR EACH OF MY TWO CREDIT CARDS. SYNCHRONY BANK REFUSESTO REPORT THEM INTHE BALLANCE HISTORY AND PROVIDE THEM EVERY MONTH TO THE THREE CREDIT BEAUROS.
This is a violation of the FCRA.
Bellow I copy the data I have on my Equifax credit report. The actual amount is missing! None of the information/balance/ minimum due amount is correctly provide to XXXX and the other two bureaus. The same problem is with my XXXX XXXX XXXX credit card where my actual payments are not reported. ( see copy below ).
XXXX XXXX XXXX XXXX, FL-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$3600.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$8000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$3600.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : {$150.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : 3 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : XXXX XXXX XXXX XXXX XXXX, FL-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$860.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$3000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$860.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : {$25.00} Date of Last Activity : XXXX Date Major Delinquency First Reported : Months Reviewed : N/A Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA
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| 01/19/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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Synchrony Bank has been reporting and billing me for credit card repayments that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.
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| 12/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On or about XX/XX/XXXX at XXXX XXXX ( not sure which time zone ) I contacted XXXX ( Synchrony Bank handles their credit card ) from XXXX at XXXX to ask how I could pay them, the {$32.00} TOTAL I owed them and that was due on XX/XX/XXXX, because I was overseas, I did not have my full account number, only the last four numbers, and was having difficulties trying to pay online. I was told that I could send a check through my bank to an address they gave me ( XXXX XXXX XXXX, XXXX, GA XXXX ) and that the last 4 numbers and my name would suffice. After asking for reassurances, that were given by XXXX, that was done, according to my bank, on XX/XX/XXXX ( Check # XXXX was mailed to XXXX XXXX XXXX/Synchrony Bank for receipt by XX/XX/XXXX ). I then forgot about them since I had not incurred any other charges. Some time after I got back, I was catching up on my mail on or about XX/XX/XXXX, when I opened a XXXX statement and to my utter surprise found that they were saying I was delinquent for the XX/XX/XXXX payment, and had various additional charges. I notified them immediately about the error, what had transpired, AND sent them proof of the payment sent. I also told them that the payment had NEITHER cleared my bank nor been returned to the bank 's payment service. After a series of contacts, including phone calls, they advised that it could take 30 days for them to investigate what happened to the payment. I was n't happy it would take that long, but there was not much I could do about it. Then, I received an alert from one of my other credit cards ' credit alerts service advising that my score had changed. It seems XXXX/Synchrony had negatively reported me and my score had taken a hit. At that point, I contacted them again and expressed my outrage ( I have more than 6 other accounts with them, more or less, never late, etc. ). They were very disorganized and not understanding what was happening. I was trying to explain that, at the very minimum, they should suspend all the charges and statuses until they could determine what happened to the check. I then filed a dispute with the credit bureau or bureaus and, lo and behold!, they were able to immediately respond to that action ( no thirty days required for that ) and sent me statements about the payment not showing up and, therefore, declaring the reporting as being correct. No payment is showing up because something happened at their end at the address they gave me!! They are absolutely clueless and disconnected from their departments but, in the meantime, they are UNFAIRLY and WRONGFULLY hurting my credit.
|
| 01/09/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
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Bank : Synchrony Bank ( Financier for XXXX Credit Card Account ) Issue : Closed account and refused to reinstate account despite being in good standing ( no missed or late payments ).
Facts : 1. Card payment was due on the XXXX of each month.
2. I attempted to make the XX/XX/XXXX payment early, once on XX/XX/XXXX, then again on XX/XX/XXXX. Days later, the online system showed the payments had been rejected.
3. I successfully made a payment on XX/XX/XXXX. The payment was accepted and went through.
4. I called Synchrony and my bank to find out what happened and why the payments were rejected even though I had sufficient funds in my account to cover the payment. Synchrony said my bank was at fault and they had rejected the payment.
5. Synchrony closed my account in late XX/XX/XXXX, after my successful payment had gone through, citing two failed/rejected payment attempts.
6. I spoke with a synchrony representative and explained this was not my fault but a bank error and was informed that the account would be reinstated if I submitted a letter on my bank letter head, from the bank explicitly saying that it was a bank error and that I had sufficient funds on XX/XX/XXXX and XX/XX/XXXX when the payments were rejected.
7. I obtained the letter from my bank as instructed and faxed it to synchrony at : XXXX.
8. Synchrony confirmed receipt of the letter confirming that it was a bank error and on XX/XX/XXXX still refused to reinstate my account.
9. On XX/XX/XXXX, I called synchrony to investigate why the account was not reinstated as they confirmed it would be in the conversation on XX/XX/XXXX. After they had received the letter on bank letter head confirming it was a bank error and was told the two previous Synchrony representatives Id spoken to, were wrong and they would not reinstate my account.
10. The person I spoke to on XX/XX/XXXX that was now telling me something completely different was : XXXX - XXXX ID XXXX XXXX.
11. I explained to XXXX the entire situation and he acknowledged that the letter had been received and they were still refusing to reinstate the account and that the two previous representatives gave [ me ] the wrong information. I expressed my concern about this being a 180 turn and stressed that they had proof that this was not my fault.
12. The account had been in good standing with no missed or late payments, ever.
13. Closure of the account and refusal to reinstate had negatively impacted my credit report, which now shows a derogatory account closed by lender. No late payments are showed because there were none.
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| 12/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
|
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Web |
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I was denied an extension of credit from Synchrony Financial/Amazon which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S. Code 1681n - Civil liability for willful noncompliance ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 12 CFR 1002.4 General rules. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
|
| 10/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
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Web |
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I have a Paypal Mastercard through Synchrony Bank. I don't know the exact date I opened the account but it's no later than mid 2017. The problem I'm have is that Synchrony holds my payments up to 14 day ( and generally for the full 14 days ). I have contacted them about it numerous times. They will periodically release a payment but most often refuse to. My available credit is {$12000.00} and the card is used almost exclusively to pay for XXXX XXXXXXXX. The cost is {$37000.00} per month and I pay for it in increments of about {$10000.00}, pay off the card in total and then do the next payment for the XXXX.
I have a history of over three years of using the card for these large purchases ( XXXX ) and making frequent and or large payments. There has never been an issue of a payment being late or rejected. My history with the card is perfect and my credit score is almost 800!
Because they hold these payments, I'm unable to do the purchase of the medication in a timely manner. Synchrony told me they hold larger payments over {$2500.00} so I've made payments under that amount. {$2400.00} one day and then {$2000.00} the next. Then I was told they hold payments when they are made on multiple days too close together. I've talked to a supervisor who was rather rude and dismissive of my issues, only to say there's nothing they can do ... it's our policy!
The payments are made from my online account with Synchrony 's " pay your bill '' option. The payment is linked directly to my bank account. It's not a paper check that needs to be processed through the bank. I contacted Paypal ( because it's a Paypal Mastercard ) to see if they had any suggestions. I was told that my payment to Synchrony goes first to Paypal, they verify that the payment is in fact good ( the money is in the bank ), and then they send it on to Synchrony. With that in mind, I can see no reason for them to hold any payment when it's already been verified as good. When I asked the supervisor about that she repeated the same thing ... it's our policy!
By the way, there have been times over the years that larger payments ( up to {$5000.00} ) have processed in a couple days so when they say they hold all large payments, it's not accurate.
I have asked Synchrony what if any thing I can do to resolve this. They say there is nothing.
I am beyond frustrated and angry. I realize this is legal according to the Truth in Lending Act but it sure seems immoral. I can't imagine that I have no recourse but it appears I don't. Filing this report is a last ditch effort to get something changed.
|
| 08/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My name is XXXX XXXX. On XX/XX/2019 i had made a purchase for {$530.00} for a pair of XXXX brand sneakers. The sneakers are the XXXX XXXX ( XXXX ) i had paid {$500.00} plus {$30.00} for shipping, i think the other {$7.00} were service or exchange charge.
I was told the item would ship from the United States and were 100 % authentic, obviously i made this purchase with my credit card that had a {$0.00} balance since i paid off my card and i knew i would be safe. The transaction happened on XXXX which is a XXXX like site for the XXXX community outside of the USA but they tend to have rare shoes and items at times.
I had placed the order and eventually i received the item 9 days later on XX/XX/2019. The item came directly from XXXX, i could not make out the return address or any other info as it was in XXXX other than for my name and address. I opened the package to see a pair of used XXXX brand basketball shoes. The shoes are red, white, and blue and were clearly worn. I immediately contacted Walmart Synchrony Bank to file a dispute. Keep in mind, i had called the same day to file the dispute.
I tried contacting the merchant, no response, nothing. I messaged on the website multiple times a day everyday for weeks. XXXX themselves have a chat service but they could not help me, they said i had to speak to the seller then file a dispute which i did with them but they never refunded my money. I spoke to Walmart Synchrony Bank and they told me not to worry and that i will be taken care of. I have forwarded pictures of what i received and they have sent me many letters demanding information which i have faxed over 10+ times. They have closed and opened the case many times and have not helped or protected me.
They asked me if i returned the item which many times i have responded to as NO! i did not! because i do not know any information on the seller, no one has given me a name and address, the item came from XXXX. I have ZERO information from the seller or where to send any product SO how can i return something i did NOT order to somewhere or someone i have ZERO information about???
I am at a loss at how a company would not help protect me when i have a proven track record, have had this card for 5+ years, always paid my bill without issue yet they will not refund my money for this clear as day scam. They can not even contact the company and credit my account, they owe me money as i have been making payments on this balance and they are screwing up my account.
Please refund my money for this transaction, i received an item i did NOT order/
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
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SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX. Pulled my credit report without my authorization creating a " hard inquiry ' on my XXXX credit report, and probably XXXX and XXXX, respectively.
I submitted a dispute with XXXX in writing, XX/XX/2023 and received official response dated, XX/XX/2023, informing me that they will not take any action, but to contact, SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ). though the response from XXXX and their policy say, " If you think an inquiry was made without a permissible purpose, we strongly encourage you to reach out to the company who received your credit report to find out whether they have opened an account in your name. '' The company can then investigate and, if they determine that someone fraudulently applied for credit in your name, they can close that account and contact XXXX requesting removal of the inquiry.
I did as I was instructed by contacting both SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ) and XXXX to help resolve my issue but both continued have me have the other resolve the issue to have the inquiry removed XXXX specifically said, " if you have specific information that the inquiry was made fraudulently, or does not relate to you, you can also call us at XXXX. And stated that, " XXXX reviews and considers all relevant information you provide when you open the credit dispute process and we take one or more of the below actions : - Determine the disputed information does not appear on your credit report or already shows the requested status, or - Make changes to your report based on the information you provide, or - Confirm the business or financial institution previously verified the reported information, or- We investigate your dispute by contacting the source of the information. '' I never received resolution from neither and the above mentioned parties. Please help get this issue resolved. Thanks!
Attached are the dispute letter sent and the response from XXXX. And, SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ) took a report but continue to make me goes back and forth between the Synchony Bank and PayPal with no ending resolution but long period on the phone between the two.
What would be a fair resolution to this issue?
SYNCHONY BANK PAYPAL ( SYNCB/PAYPAY ), the company that initiated the inquiry need to investigate and, if they determine that someone fraudulently applied for credit in your name, or the company pulled my credit report without authorization they can close that account and contact TransUnion and request removal of the inquiry.
|
| 08/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I obtained my annual credit reportXX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX todayXX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, Synchrony-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me?
PLEASE HELP!
_____________________________________________ Auto Dealers?
XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX _____________________________________________ Synchrony Bank Lowes XX/XX/XXXXAmerican Eagle XX/XX/XXXX Toys R USXX/XX/XXXXXXXX Dual Card XX/XX/XXXXWalMart XX/XX/XXXXOld Navy XX/XX/XXXX TJX CO Dual CardXX/XX/XXXX
|
| 12/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
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I am writing to file a complaint for unresolved pending charges on my account which is preventing me from closing my account and potential non-compliance with regulatory standards. I submitted a XXXX complaint on XX/XX/2023 which they have just been ignoring so hopefully you get a better response from them. They just keep deleting my messages out of my portal with them anyway attempting to hide my contacts, despite me having email verification they responded, poorly. You can see in the attachments how my message center only shows one message while the email screenshot shows they responded about the same account on XX/XX/XXXX. They are now actively trying to cover their tracks and hide any wrongdoing.
1. Unresolved Pending Charges : For over five months, my account with Synchrony Bank has been burdened with two pending charges that remain unresolved. Despite my repeated attempts to resolve this issue with the bank, I have been met with unproductive advice and a lack of substantive action. The bank 's insistence that these charges will " drop off '' and their directive to contact the vendors involved have not led to any resolution. This not only reflects poorly on Synchrony Bank 's customer service but also restricts my ability to close my account, a right I believe is protected under consumer protection laws.
2. Non-Compliance with Data Protection Laws : The persistent issues with my account at Synchrony Bank have raised significant concerns about their adherence to various data protection and financial regulations. These potential violations include, but are not limited to : California Consumer Privacy Act ( CCPA ) and California Privacy Rights Act ( CPRA ), Gramm-Leach-Bliley Act ( GLBA ), The Fair Credit Reporting Act ( FCRA ), Sarbanes-Oxley Act ( SOX ), Payment Card Industry Data Security Standard ( PCI DSS ) The consequences of such violations are severe. They can lead to extensive external audits, hefty fines, legal actions, and a substantial loss of customer trust.
In severe cases, repeated or gross non-compliance can result in more drastic regulatory actions, including the revocation of licenses to operate in certain jurisdictions. Given the seriousness of these issues, I request the CFPB 's immediate intervention. Specifically, I seek : - Prompt resolution of the pending charges on my account so I can close it.
- A thorough investigation into Synchrony Bank 's compliance with data accuracy and protection laws, especially in light of California 's CCPA and CPRA.
- Assurance of measures to prevent similar issues in the future.
|
| 08/16/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
Synchrony Bank has refused to cancel a fradulently-issued credit card in my name. They have also consciously done everything possible to make it impossible for me to CLOSE this fraudulent card or to file a complaint. Details follow in the letter I have express-mailed to Synchrony : -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, 2016 Billing Inquiries Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX Copy to : XXXX XXXX XXXX, XXXX XXXX XXXX : Fraudulent Account & Fraudulent Charges Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern : I have today received in the mail an account statement for the above account number. This is to notify you that : 1. The account is fraudulent. I have never opened such an account.
2. The purchases ( {$470.00} ) are fraudulent. I have never purchased the XXXX items shown on the statement.
This letter is to request that you close this account and remove any reference to this account from my credit report.
Background : I received your paper statement in the mail today, Monday XXXX XXXX.
The statement did not show the charges, which purported to be from a prior month.
Using the information on the statement, I created an account online in order to see prior statements. I logged in and downloaded prior statements to show the purchases.
At about XXXX my time, I called your customer service number ( XXXX ) XXXX as shown on the statement. I spoke with a representative who identified herself as XXXX. I explained that the account was fraudulent and the charges were fraudulent, and I responded to a variety of XXXX 's questions. I asked XXXX to close the account so that no future charges could be added to it. She said she was not able to do that, and another department would have to do that. She indicated that she would contact that department and that they " might '' follow up. I asked her no less than four times to close this account and she consistently said she could not do that. She also consistently maintained that the other department " might '' follow up.
I understand that the above call was recorded, so presumably it will be available in arbitration if we end up there.
I then noted on the back of your statement, in the fine print, that you purport to disclaim anything not in writing - a point which, of course, XXXX never brought to my attention. Accordingly, I am writing to you today.
Once again : I ask that you close this account and remove all reference to it from my credit report.
Thank you, XXXX XXXX ( XXXX ) XXXX ( mobile ) Enclosure :
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to address some concerns pertaining to my private information and its sharing by consumer reporting agencies, specifically XXXX, XXXX, and XXXX. As a consumer, it is essential that my rights are upheld as stated under the Fair Credit Reporting Act 15 USC 1681 section 602 a. This act emphasizes the need for fairness, impartiality, and respect for the consumer 's right to privacy.
Furthermore, according to 15 USC 6801, it is the policy of Congress that financial institutions have an obligation to respect customer privacy and safeguard their nonpublic personal information. As a financial institution defined under this provision, ( Furnisher of information to credit agencies ) must adhere to these principles.
Under 15 USC 1681 section 604 a section 2, consumer reporting agencies are only permitted to furnish consumer reports based on the written instructions of the respective consumer. I have neither provided consent to ( Furnisher of information to credit agencies ) nor XXXX, XXXX, and XXXX to share my information. Any previous consent, whether explicit or implicit, is hereby revoked.
Moreover, according to 15 USC 6802b c, a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties without informing the consumer of their nondisclosure options. I was never given the opportunity to exercise this right.
I would also like to draw attention to the fact that 15 USC 1681C a 5 prohibits consumer reporting agencies from including certain adverse items of information in consumer reports, specifically those that antedate the report by more than seven years. It is evident that an adverse item is being reported without my permission, which constitutes a violation of the law.
Additionally, 15 USC 1681s 2 a 1 a states that it is unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX, and XXXX must ensure the accuracy of the information they provide.
According to 15 USC 1681e, consumer reporting agencies are required to establish reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to specific purposes outlined in section 1681b. It is clear that XXXX, XXXX, and XXXX are not meeting these expectations.
Lastly, in accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of the reporting services of all three companies ( XXXX, XXXX, and XXXX ).
I hope that these issues are addressed promptly and that my rights as a consumer are fully recognized and protected.
Sincerely, XXXX XXXX XXXX
|
| 07/14/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
AFFIDAVIT I, XXXX XXXX XXXX, solemnly declare and affirm the following facts in support of my Demand for Arbitration pursuant to the PayPal/PayPal Credit/Synchrony Bank User Agreement : 1 . Equal Credit Opportunity Act ( ECOA ) 2. Truth in Lending Act ( TILA ) 3. Fair Credit Billing Act ( FCBA ) 4. Fair Debt Collection Practices Act ( FDCPA ) I, XXXX XXXX XXXX, state under penalty of perjury that PayPal Credit and Synchrony Bank have violated my consumer rights, made false claims, engaged in credit slander, and caused significant damage to my consumer credit, all of which are clear violations of federal regulations.
Under the Equal Credit Opportunity Act ( ECOA ), Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Debt Collection Practices Act ( FDCPA ), I firmly believe that PayPal Credit and Synchrony Bank have engaged in practices that infringe upon my consumer rights and protections.
1. Violation of Consumer Rights : PayPal Credit and Synchrony Bank have exhibited discriminatory practices, including retaliatory actions against my complaints, and have failed to provide accurate and transparent information about credit terms, thereby violating the provisions outlined in the ECOA, TILA, FCBA, and FDCPA.
2. False Claims and Credit Slander : These financial institutions have falsely reported late payments and collections, which have resulted in significant damage to my credit history and creditworthiness. These false claims not only harm my reputation but also contravene the principles set forth by the ECOA, TILA, FCBA, and FDCPA.
3. Consumer Credit Damage : The actions taken by PayPal Credit and Synchrony Bank, such as the closure of accounts and reduction of credit lines, have had an adverse impact on my consumer credit. These actions have limited my access to credit, negatively affected my credit utilization ratio, and impeded my ability to obtain favorable credit terms, all in violation of the federal regulations.
4. Defamation of Character and Credit Fraud : The false reporting and credit slander perpetrated by PayPal Credit and Synchrony Bank not only damage my credit but also defame my character. This amounts to credit fraud and is strictly prohibited under the ECOA, TILA, FCBA, and FDCPA.
I, XXXX XXXX XXXX, hereby affirm that the facts are true and accurate to the best of my knowledge. I declare under penalty of perjury that the information provided in this affidavit is complete and correct, and I am willing to testify to the veracity of these statements in any legal proceedings related to this matter.
|
| 07/26/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/2019 - I Purchased a kayak from a XXXX ad called XXXX for {$130.00} - A payment posted to for {$130.00} USD XX/XX/2019 - Received notification my package arrived ; ran to the post office to pick it up. Received a small envelope containing a SUCTION CUP.
- Contacted paypal and opened claim # XXXX because " Item not as described '' - Uploaded photos of the advertisement & item delivered for evidence.
- Heard nothing from Paypal.
XX/XX/XXXX - Logged in to see they resolved the case in favor of the scammer.
- Called to talk with them and asked they review the evidence submitted.
- Woman apologized profusely and realized the error ; said I didn't have to worry and it would be resolved in my favor. Assured me I did NOT need to return the item, as it was clearly a scam.
- Waited for refund.
XX/XX/XXXX - Paypal log claims they " emailed me '' but no emails are on record in my inbox.
At some point a week after the XX/XX/XXXX call, I started 2 support chats with Paypal to figure out where the refund was. The first chat was cancelled prematurely when I walked into the other room while on hold.
The second chat, I was informed that they reversed the decision and settled in the scammer 's favor. I tried to explain I had already spoken with someone who assured me I was all set, and he explained I needed to return their kayak. He kept telling me they would only support my claim if the item was " significantly different than as described '' in the advertisement. I felt like I was talking to the scammers themselves! How was a kayak the same as a suction cup?!
XX/XX/XXXX - I called again, possibly speaking to the same woman, and she told me that I had to return the suction cup. I explained that I wanted to put in a complaint about the woman who had lied to me before & that I should not have to pay more money to return a suction cup -- plus then I would NOT have any evidence of their scam. I asked them how I knew they would reimburse me if the item was returned & specifically stated that I wanted it in writing. They refused to put it in writing. The woman also explained to me that they needed to get the seller 's address " translated from XXXX '' before I could return it and that I would receive an email from Paypal within 24-48 hours. It is now XX/XX/XXXX and I have no email with the translated address. Time is ticking down until the case will be resolved in the scammer 's favor, and I am utterly disgusted and discouraged.
I am the victim of a SCAM and Paypal is treating ME like the criminal.
I will never do business with them again.
|
| 09/14/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
I received an offer to apply for the Synchrony Bank BP Credit card. I spend alot of money at XXXX XXXX XXXX in my area and could use the rewards that were offered. I, therefore, applied for the BP Gas card on XXXX XXXX, 2015. I was immediately told to call to finalized my credit application because I had an fraud alert on my Transunion credit report. I called and was told by the representative that I had to be verified by receiving an text to my phone. I gave my number and received an text. However, I did n't get all XXXX digits correct because I am partially XXXX. I was told I would receive an letter in 7-10 days. I felt I was being declined so called the next day in an attempt to be verified again. I was told I had to apply again but did n't know that my XXXX credit report had to be pulled again. I ended up with XXXX inquires in less than 24 hours. I was eventually verified but was told that once again I would receive an letter of the decision in 7-10 days. Well, I received XXXX letter stating that Synchrony Bank did n't feel comfortable approving my credit application. A few days later I received an denail letter stating that they did an manual review and also pulled my XXXX credit report to now decline me because I had too many accounts. Well, I am rebuilding my credit here. In addition, I felt the analyst seemed to be on an witch hunt to decline my application. Also, The letters of decline stated I was asked questions to verify my identity. This is false because I was never given an choice. Most banks would of given me the opportunity to verify my identity by sending in documents such as an driver 's license, utility bill and social security card for example. I feel I was n't treated fairly here at all! Most people who apply for this card only receives XXXX credit inquiry not XXXX inquiries. I have filed multiple complaints and warn others to stay away from this bank! They are suppose to be helping people improve their quality of life not looking for stupid reasons to decline credit applicants. The sad thing about the situation is that I carry a few of their other credit cards such as Walmart, XXXX & XXXX, Amazon, Gap card and HH Gregg credit cards. This bank needs to understand that when consumers apply for their credit cards the consumer wants and need these services. In essence, I was n't denied the credit card because of my credit. It seems that I was denied because I had an Fraud alert because someone tried to change my address back in XXXX of this year! This in my opinion was very frivilous reason to deny an consumer for credit!
|
| 10/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
Here is the complaint I submitted to PayPal and their response : Hi! I'm your PayPal Assistant. To get started, simply ask me a question.
I am still learning, so if I can't help you, I'll direct you to additional resources.
XXXX XXXX - PayPal Assistant Pay in 4 messages XXXX XXXX Are you contacting us about this topic : Pay in installments?
XXXX XXXX - PayPal Assistant Yes XXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please rephrase your question or type need more help ''.
What is Pay in 4?
Questions about Pay in 4 repayments How do I send money?
XXXX XXXX - PayPal Assistant Need more help XXXX XXXX Would you like to send this conversation to a customer support agent? We typically respond within a few hours.
XXXX XXXX - PayPal Assistant XXXX XXXX XXXX If you haven't already, let us know why you're contacting us. Feel free to step away and we'll notify you by email or push notification when we've responded.
XXXX XXXX - PayPal Assistant Your file has been uploaded.
XXXX ... XXXX / XXXX I received this text before XXXX XXXX. This is not acceptable. Adjust the system to message me between XXXX cst XXXX XXXX MA Hi XXXX, this is XXXX. I can see that you contacted us about the message you received. Id love to help you with that.
I apologize as we currently have an issue about viewing documents you sent.
Please tell me more about the text message you received. Send me a message if you need more help. I'll keep this thread open for you.
XXXX XXXX - Ma XXXX XXXX are worked in the order theyre received and well send you a notification to your app, PayPal account, and email you when we reply. Thank you.
I received a payment reminder at XXXX cst. That is a problem. Fix the system to send messages during the government specific times.
XXXX XXXX ME I hope you are having beautiful day today. I certainly understand your concern. I am here to check and provide various options to get this done and thanks for taking your valuable time to reach us.
This is in response to your message XXXX. So sorry for the inconvenience that this message has caused you. During the time that you added your phone you have agreed to receive text messages from PayPal regarding your account. Just to inform that PayPal operates 24 hours and we don '' t have the control over the system.
Thank you for contacting PayPal and for being a valued customer. Im glad I was able to answer all your questions. You may close the conversation by selecting End Message or by clicking " x ''.
XXXX XXXX - XXXX XXXX
|
| 07/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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I have had a XXXX Extras Mastercard to go with my XXXX account for almost 15 years now. My account has ALWAYS been maintained in good standing. Sometime between mid XXXX and XX/XX/XXXX, my XXXX master card was unlinked from my XXXX account. In addition to that, my payment for the statement date of XX/XX/XXXX ( {$1700.00} ) that I set up ahead of time for XX/XX/XXXX was never shown as being withdrawn from my bank account ( which I directly linked to XXXX anyway ). This has become urgent because I am nearing my credit limit due to home improvements. I have made multiple phone calls to have both problems corrected ( XX/XX/XXXX on phone for 1 hour and transferred to 8 different operators, confirmed my XX/XX/XXXX payment scheduled and account to be relinked within 4 days ; XX/XX/XXXX, confirmed my XX/XX/XXXX payment scheduled and advised to wait another day to see if payment posts and account links ; XX/XX/XXXX, confirmed my XX/XX/XXXX scheduled payment was not processed and advised they have no idea why I can not access my credit card account through their website ). XXXX operators confirmed my payment was scheduled for XX/XX/XXXX from my bank account that is also linked to my XXXX account, which has sufficient funds to make the payment. None could tell me why the withdrawal was not made. I even requested that the payment be made over the phone using my bank account, but I was told she did not have the authority to do that ( ok I get that ). The operator 's employee number is XXXX. Worse, I can't make the XXXX or XXXX payments because I can't access my Extras account! NO PROGRESS ON EITHER matter after all this time. I get passed from one operator to the next, and I was last told this will be forwarded to an account " supervisor. '' I have submitted complaints to XXXX XXXX online, XXXX online, and MasterCard online, as well. At this point, I'm worried that 1. my points I've accrued are gone, 2. my credit report will no longer show my longest credit account in good standing, 3. I'm being charged interest through no fault of my own. Customer service used to the best, which is why I stuck with XXXX Extras for so long. Since the XXXX XXXX took over, customer service has gone DOWN THE TOILET. Please HELP! To make matters worse, I have no access to historical records of my account to do the removal of the credit card from my XXXX account. I have not received any emails from this company for months to notify my about my monthly statements or account updates, despite having an active email account at XXXX for the entire time I've been their customer.
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| 08/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have an account with farm home that is owned by sincroni bank last month i made a payment and requested that it be applied to the promotional balance. The regular payment was not due at that time. They told me it would take 1 to 2 billing cycles and it would show up. The billing cycle passed i looked at it on line and it did not show a promo balance. Today i tried to use the card and they closed the account saying it was because of my other accounts and too much credit. i had the customer service person check on the promo balance. she said they only applied part of it to the promo balance. Also i can no longer look at the account on line because it says we no longer service your account. The person i talked to typed in a request that the amount be corrected and applied to the promo balance again saying it will take two months for it to happen. She said i should still be able to access on line but i can not it says account is no longer being serviced. I do not get paper copies of the billing. The promo balance is due to be paid off by XXXX billing date which is the XXXX That amazingly enough is 2 months from now. They are trying to keep me from paying my promo balance because they will then charge me interest for the entire original balance. There is no one to talk to except the person on the phone and they have no authority. I need help with this i have tried to pay it off but they are basically refusing my payment. they said they could not send me proof that they had noted it in their system either. They claim there is no way to prove i asked that it be applied i just had to trust that they would apply it properly and as you see they did not. This is very underhanded closing the account so i can not see what is happening with it and not applying the payment as requested. i tried at XXXX other point to pay the promo balance but they did not they will apply XXXX dollars which is not enough to cover the balance by the end of the term that is why i wanted to pay more. It would need to be XXXX each month from now until the promo ends. i feel they are intentionally doing this to get the interest on the promo even though they offered free XXXX on it for 15 months. I held up my end but they are getting away with this an no one is doing anything. i am sure i am not the only one. They should be brought up on fraud charges by someone. I am not the only one they have done this too. additionally i have no paperwork i can attach to file this complaint because when i try to access the account it says they do not service it any longer. please be fast
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| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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Good afternoon, I would like to submit a complaint for the following companies.
Due to this situation my record with the XXXX XXXX has been affected and I have been rejected when applying for a credit card and I am concerned this will affect me in the near future.
I am a consumer that pays a home mortgage, car loan, and all my credit cards on time.
*Synchrony master card : my account was closed due to few late fees.
Most of the late fees was due to an issue with Synchrony master card rejecting my payment.
For example, my due date was every XXXX of each month, on XX/XX/, I summited my on-time payment and got rejected. I was not notified about this until a month later by mail. Incidents like this one happened few times where my payment was submitted on time with the bank account ( XXXX XXXX ), I use all the time and I was not notified about the payments being rejected until a month later on the mail. I called on XXXX about this situation and I was not given any type of explanation or help. I was told the system takes time to update that is way I was informed about this weeks later. I also contacted XXXX XXXX in regards of the payments that were rejected, and I was told they do not have a record of any of this. I use this account all the time to pay my bills and had no issues.
They also had the wrong address on file due to their error. That is the reason why i was not receiving my mail.
I was not giving a warning or a notification that the account was closed until few weeks later when I received a letter on the mail.
Unfortunately, I do not have the dates for the other incidents since they are no visible on the website or any letters that was sent since I misplaced them.
**XXXX credit card : On XXXX XXXX someone submitted a payment of {$4.00}. XXXX I contacted the company in regards of the payment that was made to my account in error. I also tried to submit a payment and I was informed that no payment was due at that time. I was not given any other information.
Few weeks later they closed my account because of my late payment and because I exceed my balance. This affected my credit score. I contacted them and they were able to resolve the issue since there was an error on their end and they reopened my account. However, this situation provided a negative impact to my report.
***Gap credit card : my account was closed due to late fees in XXXX
I had the same situation my payment was rejected, and I was not being notified until few weeks later. Unfortunately, I do not have access to the website and can not provide any details.
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| 04/30/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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On the credit card statement for XX/XX/2022 received for my CareCredit card ( issued by Synchrony Bank ) my new balance was {$4100.00}. This balance was made of two " Promotional '' balances. The first balance of {$2900.00} has an expiration date of XX/XX/2022. The remaining balance of {$1100.00} has an expiration date of XX/XX/2022. In order to avoid any deferred interest charges, the respective balances must be paid on or before the stated expiration date.
On XX/XX/2022, I made a payment of {$2000.00}. On XX/XX/2022, I accessed my account on line in order to payoff the earlier promotional balance ( due XX/XX/2022 ) of {$2900.00}, assuming the balance would be {$980.00} ( {$2900.00} minus {$2000.00} payment ). The on line information. indicated the promotional balance for the XX/XX/2022 promotion was {$1100.00}, not {$980.00}.
On XX/XX/2022, I also contacted Synchrony Bank to see what games they were playing with my account. The representative I spoke with ( ID # XXXX ) stated that sense my payment was not enough to payoff the XX/XX/2022 promotional balance of {$2900.00}, Synchrony 's system arbitrarily applied {$130.00} of my payment to the XX/XX/2022 promotional balance, leaving a balance of {$1100.00}. This in essence is increasing the previously stated promotional balance for the XX/XX/2022 promotion. I told her that this was an unethical and deceptive trade practice that could result in a cardholder to incur interest charges because of the change in a balance amount different from what the cardholder was previously told. She agreed that she would reapply my {$2000.00} payment in its entirety to the XX/XX/2022 promotional amount of {$2900.00} as reported to me on my XX/XX/2022 statement. However, she also stated that it would take XXXX billing cycles to complete. She also stated that my new balance for the XX/XX/2022 promotion was {$980.00}, which is what I expected. However, I'm concerned that I will be charged interest due to the length of time it will take Synchrony Bank to reapply my payment correctly.
I never have been provided with any information on how payments are applied to promotional balances. Since my account is made of promotional balances, one would assume that all payments would be applied to the earliest promotional balance. It's apparent that Synchrony Bank 's system does not work in that manner. This can lead to a customer paying interest when they thought they had paid of a promotional balance within the designated payment period. I consider Synchrony Bank 's practice to be unethical and deceptive in nature.
|
| 08/19/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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|
Web |
Servicemember |
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In checking my credit report recently, I noticed a charge on my Synchrony Bank account. A {$1200.00} interest charge was applied to my account XX/XX/21. I have not used the account since purchasing furniture two years ago ( Ashley Furniture ). I have never missed a payment. If Ive connected the dots correctly, there must have been a clause in the contract I signed stating there was a promotional expiration date. Apparently the promotional period expired and accrued interest was charge. I have two issues with this and maybe Im just out of luck ; please help if youre able to.
First, the contract I signed was very long and contained mostly legal jargon I did not understand. Like most people, I did not read in its entirety. Im a college graduate with a credit score hovering just above XXXX for most of my adult life. Im very responsible with money and have never been in this situation before. I just dont think it should be necessary to bring a lawyer, who specialized in contracts, when buying furniture. Obviously, I would have paid cash for the furniture if I knew this would happen ; the 0 % finance was just attractive. Im guessing many people find themselves in my situation, which in my opinion is a result of deceptive practices. The salesperson told me as long as I made every payment on time, I would never be charged interest. Im embarrassed to say I never read any of the statements, which clearly show the promotional period end date, until today ( XX/XX/21 ). Regardless of the current situation, I think a case could be made Ashley Furniture and Synchrony Bank are engaging in deceptive credit card practices. Especially if others experience the same misleading tactics.
My second problem with this situation is the lack of communication. I tried all day yesterday ( XX/XX/21 ) to contact Synchrony. I tried by phone ( 4 separate numbers ), via chat ( only a virtual assistant is available ), and by social media ( XXXX and XXXX XXXXXXXX ). Out of 11 calls, I managed to get a human on the phone one time. As soon as I told her I wanted to know about a charge on my account, she disconnected the call. I did not know at the time what the charge was for. In summary, Im trying to communicate with the company, but they are totally and completely unavailable. In fact, one of the phone numbers provided to me was ONLY advertisements for other unrelated credit products ; getting a person on the phone was in no way an option.
I called XXXX, XXXX, XXXX, and XXXX ( from XXXX credit report ).
Thank you for any assistance you can provide.
Sincerely, XXXX XXXX
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| 09/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hello there, I initially sent this message with a previous report but PayPal responded and let me know that their issuing bank Synchrony Bank is the one reporting to the credit bureau.
A little back story, I opened my PayPal Mastercard credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. On XX/XX/2023 Synchrony Bank/PayPal reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/2023 and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, XXXX and XXXX that I had a high balance on my paypal. I immediately contacted paypal, told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and XXXX.
I lost XXXX points on XXXX and XXXX but XXXX fixed the issue the very next day. Every time I contact paypal about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had PayPal CSR shout on me and place me on endless holds. Today XX/XX/ they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, XXXX XXXX XXXX XXXX Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. Id really appreciate it if something can be done about this since Synchrony bank/PayPal is completely incompetent and has refused to do their job.
My XXXX XXXX XXXX scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. What is the point of having a statement date if they keep reporting to the credit bureaus whenever they please. It means in essence Im not supposed to use my credit card, whats the point of having one if they keep doing this.
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team.
Thank you!
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| 10/07/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXXmy mother ( XXXX XX/XX/XXXX ) open an account with Care Credit at a XXXX office located in XXXX, Oklahoma, which is no longer in business. This was a promotion card that ends XX/XX/XXXX. I contacted care credit probate department in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from Care Credit stating that this account will not go through probate because they had me listed as a secondary cardholder. This is completely false! Myself and my daughter were supposed to be ONLY authorized users. Since XX/XX/XXXX, I have spoken with numerous customer service representatives and supervisors informing them of her XXXX in effort to come to some resolution over this matter. In XX/XX/XXXX, I requested a copy of the application and Care Credit told me that the application was processed electronically and a paper copy was not available. Please be advised : my mother signed a paper form at the XXXX office. Also, in XXXX, Care Credit finally closed the account and advised me the account was being forwarded to collections. ADDITIONALLY, After Care Credit was informed of the XXXX of the primary cardholder, the billing statements are now being sent in my name!! Since my mother 's XXXX, whom is the primary cardholder, I 've been receiving billing statements from Care Credit ( last one sent in XX/XX/XXXX ) and collection letters from XXXX XXXX in XXXX, Ohio, because my mother and I resides at the same mailing address. I attempted on multiple occasions to explain that my mother did not have a power of attorney and she did not have an estate and that I am NOT liable of this debit. I would NEVER consent to be a secondary cardholder or be a responsible party of such debt when I have not obtained employment over 20 years! Today ( XXXX/XXXX/XXXX ), I received a collection letter from XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ok ... in reference to this debit. As of today, XX/XX/XXXX the debit is listed at {$1500.00}. I have sent validation letters to Care Credit/XXXX XXXXXXXX XXXX XXXX, and now the XXXX XXXX of XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX. As a consumer, I feel that I am unlawfully being harassed over a debit that is not mine..it belongs to a woman now XXXX, and I would like all collections activity against me to cease and be removed from all credit reporting agencies ( XXXX, XXXX XXXX XXXX ). I am requesting a full investigation of business practices as I feel Care Credit/XXXX XXXX is in violation of the Fair Debt Collection Practices Act made pursuant to 15 USC 1692g Sec 809 ( b ). Where is the proper validation?
|
| 09/10/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Good morning ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX balance of {$270.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX for code of ethics violations.
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| 08/28/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
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|
Web |
Servicemember |
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On or about XX/XX/2018 I was contacted by telephone from a representative from Care Credit ( XXXX XXXX ) about an account that I had opened. They advised that they have been getting the monthly bills returned to them as undeliverable, even though I previously was receiving them, and making monthly payments. Upon further investigation it was determined that the last bill sent to me was in the month of XXXX of which I paid. The account was opened underneath a promotional interest deferred rate and I had plan on paying it off prior to the end of the promotional period which was XXXX. I inquired with the company why they did not try to contact me prior at the information I provided when the account was opened, and they claimed they tried but the number was not working. I asked them why they didn't simply pull up my credit history and check the address that was on file since they already had this information. They couldn't provide a response. I spoke with a supervisory representative today and explained the situation to her. She filed a complaint with the bank on my behalf that can take up to 30 days. Since the account was not paid prior to the promotional period ending it increased approximately {$1000.00}. To ensure a showing of good faith I paid the total amount due prior to the end of the promotional period on XX/XX/2018 when I was speaking with the supervisor, of which was {$870.00}. This really appears to be a sort of scam by the bank to ensure the collection of an increased interest rate by not allowing me the opportunity to pay it. They could have simply done their due diligence and looked into a multitude of databases to determine my correct address in XXXX, XXXX, or XXXX, or made contact with me by either home phone, cell phone or email.
Unfortunately, I also checked and the bank has entered a negative report within my credit history. This could have a negative impact upon me when I have to conduct my background check, that occurs every five years for my security clearance.
I have attempted to check the box allowing for publication on consumerfinance.gov, but it is not allowing the box to be checked. I give you permission to publish this description but please remove my personal information.
I have asked for a bill to be sent to me on or about XX/XX/2018, but as of today ( XX/XX/2018 ) I have not received it. I also asked for a receipt of todays payment made, but they were not able to provide one. If and when I obtain any written information I will provide it.
I am hopeful you can assist me with this unfortunate situation.
|
| 08/28/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
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I opened my account with Care Credit/Synchhrony in XX/XX/XXXX. I used it to cover the cost of XXXX I had the following month. I was given a brochure at my doctor 's office and applied on-line. It was as easy as could be. I applied for a line of credit totaling $ XXXX and to my surprise, I was notified immediately, after hitting send that I was approved. A credit card was later sent to my home. I was never required to talk to anyone from Care Credit at all. I enrolled in paperless billing and every month I received a notification that my bill was due. I paid the amount requested each and every month on time. I got my balance down to just over $ 10K, but this month, I got a notification, as I always did, but the current balance was back up over $ 12K. I called to inquire. The IVR is terrible and it takes forever to get to a representative. Even when you say representative, the IVR asks to describe why. When I would say something, the IVR would say that it wasn't enough information ... .terrible! I got a representative who advised that the two promotional periods on my account had expired without me paying the full amount owed, so all the deferred interest was added on. I had no idea what she was talking about. She stated that my doctor should've explained it to me. It is completely ABSURD that a healthcare provider would be required to go over any financing conditions with their patients, when the financing is with CareCredit, not the doctor. This is Care Credit 's responsibility, as I am entering into a contract with THEM!! I called the next day and spoke to a supervisor. I offered to pay the balance in full, if they took off the deferred interest, but she said there was nothing she could do. I did end up doing just that - paid $ XXXX last week. I found that XXXX Care Credit was ordered to pay {$34.00} XXXX back to customers for deceptive practices and the terms of that lawsuit back in XXXX. It states that any line of credit more than $ 1K, requires a Care Credit representative to talk to the consumer. A $ XXXX line of credit granted immediately on-line! Too good to be true! I never got any reminders or any notifications that the promotional periods were ending. NOTHING!! Again, I enrolled in paperless billing and listed on the email was current balance, minimum amount due and due date. There should be something in RED on that notice about the promotional period ending. It is deceptive and unfair. I am an accountable person, but this is sneaky business. I am requesting that the deferred interest be removed from my account.
Thank you!
|
| 08/02/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Unexpected increase in interest rate
|
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Web |
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On XX/XX/XXXX/19 myself XXXX XXXX and my wife XXXX XXXX went to Ashley Furniture in XXXX Ca.
The salesman XXXX XXXX offered us a 18 month no interest store credit. I put XXXX down on XXXX on a separate receipt.
My wife on a separate credit account with same terms 18 months, spent about the same.
Also present was XXXX XXXX our adult son.
The print out I was given to sign showed 12/months. I told the salesman that I refused to sign that because it said 12 mos. not 18.
He said he it was wrong, took it to the back office, then returned. He said they put in the correction, that it is 18/mo for both of our orders, not to worry. He said paperwork would issue when the furniture was delivered.
I informed him that I not sign anything that said 12/months. He not to worry. He gave me his card and cell number if I had a problem.
The bed set was delivered, nothing mentioned 12/mos. I set the automatic payment up at XXXX month to end just short of 18 months.
Last month my wife noted the promotion period to end in XXXX 2019. I called and to my dismay, we both are stuck with either a XXXX payment to clear it up, or 30 % interest.
I checked my receipts, I found the unsigned receipt showing 12/mo. I called synchrony and was told to contact Ashely Furniture. I called the Mr. XXXX the salesman XXXX/XXXX/19, that made the contract with me for 18/mos. He said he recalled that 18/mo, no interest given to us.
He said he no longer works there, and told us to speak to XXXX. I called XXXX today and he gave me a message that he doesnt no how to help me.
I am returning to speak to XXXX the store XXXX. I have 3 witnesses, 2 documents that show the 12 month was NOT signed.
I have the salesman that told us it was 18 months promotion, XXXX XXXX card. His number is XXXX.
My bank shows every payment was made timely in an amount that was divided evenly between 18/mo.
I wouldnt have bought that if it were a 12 month payoff promotion.
I feel this was extremely wrong. I was denied the opportunity to terms of no interest by being given information that ensured we would not pay it off in time to enjoy the benefit. I think it was someone just forgot to make the change, rather than deliberately being deceptive. I am not sure why the salesman no long works there, but we know what he told us : 18/mo no interest.
Through meeting of the minds and absence of my signature on documents ( we were told were a mistake ) misstating terms, us 3 adults confirmation of facts and the salesmans corroboration of facts, We want to be given the terms we were promised.
|
| 02/03/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
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Web |
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I have a Walmart MasterCard. I use it for promotional " no interest '' purchases. My card member agreement and statement say " If your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available ''. I had a promotional balance of {$77.00} expiring on XX/XX/XXXX. I contacted customer service via chat ( see enclosed screenshot of chat # 1 ) onXX/XX/XXXX to inquire about having my XX/XX/XXXXpayment due XX/XX/XXXX credited to the promotional balance. I was told by XXXX XXXX " ... if you pay {$77.00} the entire amount will be credited to the promo expiring on XX/XX/XXXX ''. I made said payment and it was not allocated as promised. {$54.00} was allocated to the expiring promotion and the excess was allocated elsewhere. On XX/XX/XXXX I chatted with XXXX XXXX about the error ( see chat # 2 ). I was told that the account was being correct and the promotional balance expiring on XX/XX/XXXXwas now paid off in addition to the promotional balance expiringXX/XX/XXXX. My XX/XX/XXXX statement appears correct. After my XX/XX/XXXX statement printed my account was altered to add balances back to the promotional balance that were paid off. I chatted again on XX/XX/XXXX with XX/XX/XXXX( see attached chat # 3 ) At that time I was being charged interest on a promotion purchase that was made XX/XX/XXXXfor which I have a receipt showing that a promotional certificate was used. XXXX said that was correct and the billing was corrected to properly show the promotional balances expiring XX/XX/XXXXonXX/XX/XXXX were paid off. When my XX/XX/XXXX statement arrives everything seems correct. I get myXX/XX/XXXXstatement and it shows me being charged {$3.00} interest. I chat again with a supervisor who says that this is a mistake and he is correcting it. I also request that {$58.00} of the {$83.00} payment made in XX/XX/XXXX be allocated to the promotional balance expiring on XX/XX/XXXX. He say it is done. When myXX/XX/XXXX statement arrives I am still being charged interest, the payment was not allocated correctly and onXX/XX/XXXX someone created a promotional purchase onXX/XX/XXXX expiring onXX/XX/XXXX that never existed and placed it on my account with a balance due of {$99.00}. To be clear there was never a purchase made on XX/XX/XXXX. There was a purchase made on XX/XX/XXXXbut that promotional purchase was paid off in XX/XX/XXXX. I have been charged more interest as well. I am caught in a viscious cycle that XXXX XXXX will not correct.
|
| 12/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
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I am writing to seek your intervention regarding a dispute with Synchrony Bank concerning a Lowe 's credit card account. Synchrony Bank has initiated legal action against me, issuing a summons to court. However, they have failed to provide adequate verification or validation of the alleged debt as requested.
In response to the summons, I sought to verify the legitimacy and accuracy of the claimed debt. The specific information requested from Synchrony Bank includes : Proof of the Debt : A request for the original contract or other documentation establishing my agreement and responsibility for this debt.
Account Statements : A detailed breakdown of the claimed amount, inclusive of any fees or charges added.
Licensing Information : Verification of Synchrony Bank 's license to collect debts in my state, including their license numbers and registered agent.
Ownership of Debt : If the debt has been sold or transferred, I requested documentation establishing Synchrony Bank 's legal right to collect it.
Detailed Calculation : An itemized calculation of the total amount owed, encompassing interest and any additional charges.
Credit Report Entries : Clarification on how this account is being reported to credit bureaus, ensuring compliance with the Fair Credit Reporting Act ( FCRA ).
Despite these requests, Synchrony Bank has not provided the necessary validation or verification of the debt. This lack of response raises concerns about the legitimacy and accuracy of the debt claim, especially in the context of the pending legal proceedings.
At the time of receiving the summons related to the aforementioned debt, I was a resident of the State of Florida. However, I received the summons while temporarily visiting New York. Despite this, I took immediate and appropriate action to respond to the summons in a timely and proper manner, in accordance with legal requirements.
My response was duly submitted to the Supreme Court XXXX XXXX XXXX, XXXX, New York. This detail is crucial as it pertains to jurisdictional matters and my legal standing in this case. It is important to note that my primary residence and state of legal residence during the period in question was Florida.
I am now seeking the assistance of the CFPB to address this issue. Your intervention is crucial in ensuring that Synchrony Bank adheres to the legal standards for debt collection and reporting, as outlined in federal regulations and in safeguarding my consumer rights.
Thank you for your attention to this matter. I am hopeful for a prompt and fair resolution.
|
| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I travel a lot for business and Synchrony had my accounts on hold for quite some time so I placed my accounts on ACH since I could not access the website. I submitted some documents they needed and never received anything back regarding my status. After returning to the country recently, I had over 500 missed calls from and collection company regarding my Walmart and XXXX account. It looks like these 2 accounts were not successfully added to ACH and I have no idea why not. Since, they have been turned over to collection. After reviewing my balance for both accounts, these balance are incorrect. This XXXX card has an unbelievable amount of fraudulent charges and the collection bureau is reporting this XXXX. This account needs be turned back over to XXXX so the fraud department can correct this. Now the Walmart account. I placed a fraud dispute with this bank months and months ago, and just received a letter in XX/XX/XXXXstating my case was denied due to whatever was fraudulently purchased mailed to my address. For one, the person who stole my wallet had every piece of my information, so I had to get a new idea and put locks on all credit reports. Of course they would have the items mailed to my house and swiped. The other day my neighbor brought a package to my home that had been delivered their home in error. She said she 's been holding it since XX/XX/XXXXor XX/XX/XXXX, because I 'm never home when she come by. This looks like something that was purchased from Walmart and the timeline adds up to when my card was lost. This Walmart case needs to be reopened and someone needs to tell me what I need to do with this box that was not purchased by me. I am willing to do whatever is necessary to get this handled in a timely manner and my credit report fixed with the errors. Another Synchrony account that I can not get fixed is my XXXX. Back in XX/XX/XXXXor XXXX, XXXX was taking care of a fraud claim and was suppose to re-generate a new statement that I could actually pay the balance on. It took them 2 months to get this taken care of and STILL reported 60 days past due on my credit report. This was suppose to be taken care of and removed. Also, I paid the balance in full minus the late fees back in XX/XX/XXXXsometime. The supervisor I spoke to never waived the late fee as promised that which would have placed my account at a {$0.00} status. Since then it has been racking late fee after late fee after late fee. This account was placed on hold, and customer service can not do anything to fix it or either they would take care of the balance.
|
| 12/05/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
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I opened a Care Credit account XX/XX/XXXX and closed the account XX/XX/XXXX. I still have an outstanding balance and will be continuing to make payments until balance paid off. My issue is that when I opened account when I was working at a XXXX and put it in my name, XXXX XXXX and put my boyfriend at the time, XXXX XXXX XXXX, as an authorized user. When I closed the account XX/XX/XXXX they had told me that XXXX was on the account as a joint user and that is not the way I intended to open the account. XXXX has a Care Credit account of his own already. This account that I opened was just to be used for our dog who was being treating for XXXX. at the time. XXXX XXXX XXXX has NEVER authorized to be a joint user on the account.. I have made numerous attempts to have his name removed with no cooperation from Care Credit. My boyfriend and are no longer together and XX/XX/XXXX I called them asking if I could make a payment arrangement due to a financial hardship I told them I could make a XXXX dollar payment XX/XX/XXXX. They agreed but unfortunately they just made it where I missed two payments and was charged penalties and late fees and in turn It effected my boyfriends credit because he is still on the account as a joint user! I am not even wanting to fight the late fees and penlties right now all I am just asking that his name finally be removed and a letter stating that he NEVER authorized to be a joint user on this account. He is trying right now to purchase a home and this is hindering his ability to do so. He was NEVER suppose to be put on as a joint user only an authorized user and he is extremely upset now because of this issue. I have attempted many times to have it removed but never any corroperation. All I want is his name REMOVED and a statement saying he never authorized to be on this account period! I hope and pray you can help me. I will continue to pay this balance off on my own and now the account has been closed so I wo n't have any further charges made. I honestly would never open a Care Credit account again because they seriously do not care about the well being of their customer. It is a shame because I have worked in the veterinary field for over 20 years and have recommended Care Credit to many clients but I had no idea they would have no customer support if there was an issue with their account.. The worst customer support I have even experienced. Feeling hopeful we can get some resolve. the Consumer Financial Protection Agency has been nothing but kind and understating. Thank you for the help and support. XXXX XXXX
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| 01/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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|
Web |
Older American |
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On XX/XX/2022 I ordered a used phone from XXXX user name ; XXXX in the amount of {$710.00}. I received the phone and found it had a defective battery. The battery would lose power by the minute without use. I contacted the merchant he told me I could return if I paid the postage, he would reimburse me. I sent the phone back on XXXX XXXX.
I used PayPal synchrony bank to pay the merchant. I have been a long time customer. The last four digits of my account number is XXXX. I contacted Paypal for the first time in XXXX for a reimbursement of my money. The first case was found in the favor of the merchant. On XX/XX/XXXX, the merchant said he had not received the phone. At that time I provided tracking number, I confirmed with my postmaster that the phone had reached his locked box in XXXX Hawaii on XXXX XXXX synchrony bank was supposed to do an investigation. That never happened. The first case was ruled in favor of the merchant saying he had not received the item. At that time I provided faxed emails from the merchant saying that he had received the phone and would pay me back. He did not want to pay me back the tax. I contacted synchrony bank to escalate the case. # XXXX upon investigating the second case, it was found in the merchants favor. They said I had provided a wrong tracking number. I called PayPal synchrony bank and spoke with XXXX a supervisor. She was able to verify the tracking number was indeed correct and that he had received the package. The supervisor, XXXX told me that there was all sorts of supporting evidence that she was looking at. I contacted the attorney generals office in New York State. The attorney general told me that he would be willing to refund some of the amount less the taxes. When I tried to contact him through an email he had blocked me and was no longer talking with me. therefore, I can not trust him to reimburse me. Period synchrony bank should have done their job. They should be the ones reimbursing me. I have now escalated the case for the third time. They have all the emails that confirm the merchant says he received the phone.
I am XXXX XXXX XXXX and this has stopped me from shopping on XXXX or using PayPal since XXXX. My credit score has always fluctuated between XXXX and XXXX. I returned a defective item! at this point there should be no question as to whether I deserve a full refund of the money I spent. In the amount of {$710.00} I fear this is going to ruin my excellent credit rating. I can not tolerate that after having an excellent credit rating for over 30 years Best regards XXXX XXXX
|
| 01/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Synchrony Bank with the Credit Card agreement for my XXXX XXXX card enclosed. In the letter ( attached ), Synchrony indicated they had made a mistake in not enclosing the Credit Card Agreement when I initially was approved for the card earlier in XXXX. As recompense they indicated in the letter that they would be issuing a credit for any fees and finance charges that were assessed to my account from date of account opening to XX/XX/XXXX. They further noted that any balances on my card for charges made up through XXXX XXXX would be moved to a 0 % interest rate until the balance is paid in full.
Historically, i have not incurred any interest charges or late fees on this card and so the refund of these fees would not apply in my case. In terms of the 0 % offer, since my payment due date is XX/XX/XXXX i had already paid my balance in full by the time i received this letter and so I also did not benefit from this 0 % offer. Synchrony knew or should have known that certain customers would have made credit card payments by the time the letter arrived in the customer 's mail box thereby absolving them of providing equal benefit to all customers. Those who do not pay in full on a regular basis receive the benefit of 0 % while those paying in full receive no benefit.
On XXXX XXXX I called XXXX XXXX customer service to complain about the late timing of the letter and the fact that there was no benefit to me since i received the letter after my payment due date. I noted that if Synchrony had sent out this letter earlier in the month that i would have also benefitted. I requested an extension of the period for charges at 0 % to be extended to new charges through XXXX XXXX, XXXX and the employee put me on hold indicating they would check with their supervisor. Shortly after, the line went dead and the rep hung up on me. No attempt was made to call me back even though I had verified with this person my cell phone number.
I called back later in the day on XXXX XXXX and spoke with a different representative who indicated the supervisor the first employee spoke with denied my request. The second representative indicated there was nothing more they could do for me. I am writing to receive equal benefit for the mistake made by Synchrony and would like 0 % for new charges through a certain date, a benefit extended to others who suffered the same mistake that Synchrony had made. This is only fair and equitable for all customers to receive the same benefit. I hope CFPB can help in this matter.
|
| 02/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
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On XX/XX/XXXX I applied for and was approved for a Care Credit account at a XXXX XXXX XXXX called XXXX XXXX XXXX XXXX is XXXX XXXX, NY. My dog had a XXXX procedure in which the pet center offered a 0 % interest account for 6 months that I could have the {$940.00} medical expenses charged to. At no point did the representative at the pet center explain that the interest fee period would be applied retroactively, or what they call deferred interest, to my account after XX/XX/XXXX if I did not pay the entire balance before that date. There were no written disclosures provided to me when I applied for and accepted the account. All I was given was a digital device to sign my name. After I was approved and the medical procedure was charged to my account, I signed up for an online account so that my monthly payments could be automatically debited from my checking account. In around XXXX or XX/XX/XXXX, I noticed that my online statement had a {$140.00} interest charge. I immediately called Care Credit to inquire as to what this very large charge was for. It was then that I was told that my 0 % intro interest free period had ended and that all the prior months had now been charged with interest. After I was very upset to hear this, as it was the first time I was being disclosed this information, the representative offered to waive all the interest if I made a payment to pay off the entire balance. I did not have enough money at that time to pay the entire balance of almost {$900.00}. Today, XX/XX/XXXX, I called to offer to pay the entire balance if they would waive the interest as was offered to me last time I had called but I was told that was a one time offer and no longer available. I argued that I was never given the proper disclosures at the time I applied for and accepted this account - that if I had been properly informed that there this account involved deferred interest, I would have never opened this account and would have used any other leading bank 's credit card who offers 0 % interest free periods without deferring the interest and applying it retroactively. I spoke to a supervisor who told me that the disclosures were given to me in my first statement. I explained that this is unacceptable and not compliant with federal law as the disclosures were required at the time I applied and agreed to open the account - not after the fact.
I believe this company and its product is predatory to those who are in financial distress facing medical issues. The terms of the product and this companies ' practices are unfair and deceptive.
|
| 02/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
The company name is XXXX XXXX XXXX, XXXX This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local Sherriff department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone.
When I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called XXXX XXXX. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check.
After a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services.
On my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. XXXX XXXX is also on my credit report with the same amount owing to them as well. Both XXXX and XXXX XXXX have put late payment status and amount still due on my credit reports. XXXX XXXX has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls.
On XX/XX/XXXX, I received another civil summons from XXXX XXXX, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt.
I have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when XXXX XXXX started automatic withdrawals on my account and when I had it stopped.
|
| 12/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have a Belk Credit Card. My complaint is as follows.
Aproxamitely 6 months ago I recieved a new Belk Credit Card and the old one was canceled without my knowledge or consent.
The new credit card kept giving me issues, and even though I'd call and activate the card it would still read as not activated.
When I tried to use the card, I was locked out of the card and had to do verification with a picture to Synchrony.
Then I was automatically disenrolled from paper billing to paperless billing. When I did not recieve a bill in the mail I became late on a payment. I immediately called, made a payment and reported the issue to an associate.
The associate stated that they fixed the problem however I was still not recieving mail. This occurred 3 months ago.
Without any letters in the mail, email or as much as a phone call. I get a hit on my credit report saying my account is passed due. I call them to find out I am past due 30 days on a {$4.00} payment. I immediately make a {$50.00} payment and when I inquire as to why I was never notified they stated I was still paperless in billing. They said that they would investigate.
I login to check my account and find out that my credit card is still not activated online or that it's been deactivated. Also I find out that they changed my credit limit to the amount that was due on my card, making it appear as if my card is maxed out on my credit report. They cut the card by half on the credit limit.
This was very upsetting. I believe that due to being on the service member civil relief act, that this is being maliciously done to me by Belk Credit Services. They have never notified me, emailed me, or as much as given me a phone call.
I would like to remove this from my credit report and will be closing this account and paying whatever I owe them in full at the end of the month. I have had this line of credit with them for years, this only occurred after I requested my benefits for the 0 % interest rate. I will be taking this up with JAG as well to see if I can pursue any legal action if an investigation actually gets conducted by them.
Everytime I call to inquire, somehow it's my fault they never reached out to me. I have multiple accounts with many other companies this is the only one I've ever had problems with. Also to add today I called them again and they say they just sent me a letter stating my credit limit was getting cut in half even though they already have cut it and this is being done after the fact. I believe it's to cover up a mistake that was made on their end.
|
| 08/30/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
I've request copies of the billing statements from the origination of when the card was opened. The copies I receive do not show in detail the transaction charges, credits, or details in regards to the account. The statements only include charges from purchases, but the statements do not include vital information such as the account balance summary, promotional purchase summary, or finance charges to the account. That information is excluded and is necessary to review potential overcharges to the account. I spoke with XXXX XXXX on XX/XX/XXXX requesting this information and I was assured that it would be resolved. The matter is still unresolved as XX/XX/XXXX Amazon XXXX XXXX XXXX with Synchrony Bank, uses predatory tactics to charge high interest charges. When purchases are made to the account under a promotional incentives the purchase price is added to the monthly balance When merchandise is purchased under promotional offers such as no interest for 6 months, that total is divided up and added into your monthly payment. When payments are made to the account the promotional portion of the payment is not applied to the account. Each month I make payments above the minimum payment and I have to call Amazon XXXX XXXX XXXX to have my additional payments applied to the promotional charge otherwise my payments are not allocated correctly. Recently I received my monthly statement and noticed a interest fee of {$120.00}, my usual interest fee is between $ XXXX {$40.00}. I called Amazon XXXX XXXX with Synchrony Bank and was advised that it was because I did not pay my promotional offer in full before it expired and now it was being added to my payment. I told the representative that I've been making above minimum payments each month and the additional payment should have been applied directly to the promotional offers. After reviewing my latest statement I request all my past statements since XXXX to see how often this had happened. I have also had several issues with returned credits to my account. I mail items back and receive a refund immediately then 2-6 months later I am recharged for the item, Amazon representatives advise me its because the return was never received but the tracking reflects it was sent back. After doing some research I discovered that returns are sent to warehouses where the merchandise sits for months on end and isn't processed. If the ware house doesn't process the returned item then the customer is automatically recharged. I now have to review my past statements for recharges and missing promotional payments.
|
| 01/08/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
I signed for this card because of the promotional period for two years, interest free. I understood from the terms that after 24 months if balance is not paid then I would be charged interest. My understanding was, I would be charged interest on what was still owed NOT on back interest that accumulated for the entire 24 months.
From the beginning of the account, I would pay automatically from my bank the repeated monthly amount. On XXXX, XXXX, my payment was due and it was too late to pay thru bill pay. So I called in to make the payment, the balance due did not sound correct. I waited on XX/XX/XXXX to speak to a live person. Spoke to XXXX, who advised that I was charged {$930.00} of back interest, promotion expired back in XXXX, monthly payment increased so the usual amount that I was paying did not satisfy the payments for XXXX/XXXX/XX/XX/XXXX Therefore, I was charged late fees as well for these months. Thru all of this, I received no statements from Synchrony Bank. Rep confirmed that the statements were returned. With all of this, I received NO communications from Synchrony Bank. They confirmed my correct address. So it is suspicious why if statements were sent why I did not receive them. Rep initially advised nothing she can do and advised that I needed to make a payment of {$170.00} that day in order to bring my account current. An amount that as was more than 3 times my usual monthly payment amount. After advising her that I could not pay that, she finally got approval to waive late fees/some interest charges. Advised that my next payment would be due XX/XX/XXXX. She advised that she was going to report the issue so my account can be further reviewed in regards to the charged accumulated interest and I should hear from the company within a month. Magically, I did receive my first statement for the month of XXXX.
As of today, XX/XX/XXXX, I have not heard nor received any communication from the bank in regards to my disputes, I called in to find out what was going on. After waiting on the phone for 20 minutes, 1st rep, I spoke to XXXX, advised she saw no notes to that regard. She transferred me to an account manager, who also advised that he saw no notes to that regard. I asked for the recording of the conversation, he said nothing. He then placed me on hold to further review, he advised that there is nothing he can do. He spoke to the highest authority. I requested to speak to that highest authority. I was then transferred to another Account Manager by the name of XXXX who advised that there is nothing that can be done.
|
| 06/29/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Older American, Servicemember |
|
In XX/XX/XXXX I entered into a twelve ( 12 ) month zero percent ( 0 % ) promotion with GE Capital Retail Bank for Care Credit to finance needed dental work. Despite being on automatic payments, the last payment ( {$500.00} ) was processed on XX/XX/XXXX, three ( 3 ) days late. As a result all the interest became due. Unfortunately I did not realize the bill had not been paid in full for approximately six ( 6 ) months. I contacted GE Capital Retail Bank about what had happened and was told that because the payment had not been submitted prior to the promotional date I was responsible for the interest that had occurred. Due to their error in processing the payment three ( 3 ) days late, I feel they should be responsible to reverse all interest that was charged to my credit card. XX/XX/XXXX Synchrony Bank became the financial institution for Care Credit. Due to the error of GE Capital Retail Bank the account was already considered over limit which has caused a domino effect of interest on interest and over limit fees to increase each month to this date. Approximately XX/XX/XXXX or XX/XX/XXXX I contacted Synchrony Bank in an effort to resolve this situation. I was told by a representative that because my account was current they would not be able to talk to me. I asked to speak to a supervisor and the supervisor told me the same thing. I did not know what to do so I just left everything as it was. As time went on the payments were increasing and becoming to a point that my bank account is occurring overdraft fees. I have a fixed income and I can no longer afford the payments they are charging me. XX/XX/XXXX I contacted Synchrony Bank a second time to discuss the account and the hardship it was causing me to see if a resolution could be reached. Again I was told that because my account was current there was nothing that could be done. Before the conversation was over the supervisor I spoke with told me that they may be able to lower the interest rate for a short period if I could prove I had a financial hardship. I explained all that had happened and was informed that it was not considered a financial hardship. I was then told the only way to resolve this situation was to pay the balance in full right then. Because I did not have that kind of money I contacted an attorney. The attorney wrote Synchrony Bank a letter on my behalf, dated XX/XX/XXXX. There was no response from Synchrony Bank. XX/XX/XXXX, a second letter was written with no response to date. The attorney has advised me to file this complaint. Thank you
|
| 07/16/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2019 I applied for a Lowe 's Credit card which is issued by Synchrony Bank. I applied through my mobile phone while in the store. I received a message that I needed to contact Synchrony Bank and was provided a phone number. I called as was ask a few questions which were mainly identifying questions and was told that they would mail me out a reply within the next few days.
I received a letter dated XX/XX/2019, which stated that they had " checked credit bureau information and other data sources to verify information on your application. We checked the following items of information : Social security number Phone Address Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time. '' The letter suggested I contact XXXX since that was the agency they used. I went to the XXXX website and pulled my credit report. I then called XXXX. After going through the identification process with XXXX, which they were able to confidently identify me, I asked them if they could see anything on my report that would give a lender a reason to not be able to properly identify me. They said they did not and that I should contact the lender. I called Synchrony Bank and the first person could not even see in their system a reason for the decline. I asked for a supervisor who would not even look up my application just stated the same thing as the letter.
I questioned the supervisor how they knew enough from the application and their research that I was the applicant if they could not confirm my identity. She stated that they were able to get enough information to know it was me, but not enough to " confirm my identity for approval of the application ''. This made no sense to me. She would not tell me anything more.
When I called bank the only way they could find me in the system was through my name, address and last four digits of my social security number, which match identically to what is on my credit report. They had sent me a letter to the address on the application which I had received which means the address was correct. My name and social security number matched what I provided because they were able to pull a credit report.
So I now have a credit inquiry on my credit report from an institution who said they were not able to verify my identity. If that is the case I think they should remove the inquiry since they can not prove that was who applied. If they could verify that I was the applicant then what was the real reason I was declined?
|
| 05/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have reached out to XXXX XXXX ( XXXX XXXX XXXX ) regarding a debt from an Amazon Credit card that was sent to XXXX XXXX for collection. The debt was for SYNCHRONY BANK in the amount of {$1100.00}. The original account number was XXXX. My XXXX XXXX Account Number was XXXX. For some reason thay have changed this to XXXX.
I paid the collection in full to XXXX XXXX ( XXXX ). XXXX XXXX received the new amount due {$1200.00} on XX/XX/XXXX. I received the receipt for the payment on invoice # XXXX. A letter showing the payment was made and a copy of a letter sent to the court to show the payment was made. I contacted XXXX XXXX and they redirected me to XXXX XXXX. I called back and spoke to someone who said they would reach out to XXXX XXXX and my credit report would be updated in 30 days.
When the credit report was not updated I contacted XXXX XXXX and received a voicemail. I left 3 messages that were not returned. I disputed the collection with the 3 credit bureaus but was told I did not have enough information to have the collection removed. I contacted XXXX XXXX again, who tried to send me back to XXXX XXXX. They said that still have not received the letter from the law office, but will reach out to hem, once again. They will not let me send them the receipts. They claim these must come from the law office and when they are received my credit report will be updated. They claim to have reached out to XXXX XXXX twice already with no response.
I contacted XXXX XXXX. They claim to have sent the information to XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX via chat and spoke to XXXX XXXX. I was told a Cease and Desist was placed on my account and forwarded to another number. I spoke to XXXX ( who would not provide a last name ) at XXXX XXXX XX/XX/XXXX who had me remove the Cease and Desist claiming I placed this on XX/XX/XXXX - which I did not do. I did however speak to XXXX XXXX at XXXX XXXX who told me that would reach out to XXXX XXXX that day to correct the issue.
XXXX consistently spoke over me and I requested a manager. Then XXXX informed me that they had reached out to XXXX XXXX twice, it is in my records, but they have not received anything from them. After asking repeatedly what happened in that correspondence and told me they have been having technical difficulties and they are missing a code. I explained that I understand technical difficulties but 2 months, 10 phone call and 2 chats should have resolved this and I wanted to speak to a manager. He told me no mangers were available and I could call back in 1 hour.
|
| 01/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
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There is a medical charge card, Care Credit, there is no selection for this type of card provided. I opened this account back in XXXX at my doctor 's office through their receptionist. The terms that the woman described when I opened the account and the actual terms were completely different ; as she opened my account on the computer at the reception desk with only my name, ss # and birth date. The receptionist at the doctor 's office mentioned there was a promotional interest rate with all new purchases and/or medical procedures done on the card, so I decided to apply and use it. No one ever showed to me or told me that if I didn't pay off the full balance before the end of the deferred interest rate period, that my percentage rate would go up an exorbitant rate ; this is criminal and should not be allowed. Case in point : my balance went up by {$2600.00} on XX/XX/XXXX, and I never even purchased that amount of charges in XXXX ; that was just interest from previous charges on a deferred interest rate, so they said.
I called the Care Credit XXXX owned by Symphony Bank ) and they said these are valid interest charges they adding to my balance since I did not pay the entire balance before the special interest charge deferment period ended. Therefore, they added {$2600.00} to my TOTAL BALANCE on XX/XX/XXXX saying that is what I owe now ; which has made my minimum payment double and I am currently on unemployment since I lost my job in XXXX. THIS IS DECEPTIVE and wrong! I never agreed to this!! This terminology used by the doctor 's office is misleading, and when the receptionist opened my account, this stipulation on the interest free period was NEVER given to me or relayed to me ; therefore, I had no idea about this until I received this huge bill all of a sudden from Care Credit.
I feel that Care Credit purposely does this so they can get people to charge services at medical facilities without the suspecting customer knowing the deceptive, tricky, underhanded way Care Credit deceives their customers into thinking this is a viable way to pay for any medical services not covered under medical insurance. I have read online that Care Credit has a habit of doing this in the past and was fined for it ; it seems that they have not changed at all and still performing these deceptive business practices because the fines are negligible and the US Govt. doesn't seem to want to stop them. No company should be able to trick and deceive their consumers, especially when there is medical procedures and practices involved with the credit.
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| 02/05/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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I am having a problem settling my Banana Republic XXXX Card due to some sketchy circumstances outlined below. The whole issue is somewhat complicated ; I will try to explain it at succinctly and clearly as possible.
I am hard of hearing and do not want to handle the settling of the account in question over the phone. I wish to settle the account because I can no longer manage the payments : I have not put any additional charges on the card since XXXX 2015, and aggressively tried to pay off as much as I could, but I have missed payments and have been unable to meet my minimum payment for the past few months. Now I am at the point where I am unable to make any payments without foregoing other, more important needs, and interest keeps rising while my credit keeps falling. I have been attempting to settle the matter in writing for over six months now and have become very frustrated in my attempts.
On my first couple attempts at settlement I received one letter stating they agree to only communicate in writing and another stating I MUST call and speak to a representative if I want to see if I qualify for any of their hardship programs. Another time they told me to call the XXXX ( which I do not have, nor do I wish to communicate that way : written communication is my preferred method in these matters ). At one point I was directed to a different address than the one I originally found : an Ohio address versus a Florida address, but when I wrote them about the issue they responded saying they needed a power of attorney in order to talk to someone other than me ( which I never asked for ). And the response came from the original Florida address, interestingly. In response to my most recent attempt sent to the Ohio address, which highlighted all of the ongoing issues, I once again received the letter agreeing to only communicate with me in writing and the other stating I MUST call to discuss their hardship programs. This response also came from the Florida address and not the Ohio one I sent the information to.
Notwithstanding the fact that requiring me to speak with a representative to determine eligibility seems to be a blatant violation of the ADA, I believe that regardless of my XXXX I should be able to handle this matter in writing. Especially since upon researching this matter many suggested I get the deal in writing because of issues they have had with this company after making deals over the phone. I contacted the Attorney General 's office in my state, and they suggested make this complaint to help resolve this issue.
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| 03/02/2016 |
Yes |
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Web |
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Sychrony Bank Care Credit lost my final bill payment ( conveniently for them ) ( for the 2nd time ) and charged a late fee and a service fee -- -- -- -- -- -- This is the 2nd time I am utilizing Care Credit through Synchrony Bank to pay a Dental bill.
And it is the 2nd Sychrony Bank has denied recieving the final payment and charging me a late fee and a service fee.
The 1st time I utilized Care Credit in XX/XX/XXXX, I paid the full balance within the 6 months, 0 % rate period and they say they never received my final bill payment and charged me a late fee and a service fee.
The bill was sent via USPS a week-and-a-half ahead of the due date and should have been delivered on time.
I definitely sent the bill to the correct address, as they provide the correct address on their payment coupon which fits into the address window of the envelope they provide.
All other bill payments were received properly.
However, Sychrony Bank sent me another bill claiming they never received the final payment in full.
I never received the payment envelope ( with the check in it ) back at my return address ( which I make sure is on every correspondence ) from USPS.
I believe the payment was received and discarded so Synchrony bank could charge me a lae fee and a service fee.
This is EXACTLY what occured the 2nd time around.
I had dental work done again in XX/XX/XXXX. I FOOLISHLY used my Synchrony Bank Care Credit to pay for the dental bill.
I paid the bill down to a final payment. When the final payment was sent in ( on check XXXX ), Synchrony Bank claims they never received it and charged me a late fee and a service fee.
I decided not to pay the service fee or the late fee as I had the first time. I sent them the final payment again ( on check XXXX, the very next check number in the series ), via USPS Certified Mail. This way, I have proof they received the final payment I enclosed a letter in this final payment explaining that this was the 2nd time that Synchrony Bank had pulled this dishonest stunt on me. I asked them to undo the fees and accept the final payment as payment-in-full.
They sent me back a bill with the late fee, another service fee and started charging me 29.9 % interest on the fee balance.
I contacted their Customer Service Dept. and the representative told me that there was nothing she could do about removing the fees or the interest.
I have been told of this exact scenario occurring to other people by Synchrony Bank credit company.
I am interested in getting this resolved as quickly as possible.
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| 08/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XX/XX/23 Synchrony Bank Customer Service Department XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Discrepancy in Account Balance and Request for Immediate Rectification Dear Sir/Madam, I am writing to address a concerning issue regarding my credit line with Synchrony Bank , which was associated with my account at XXXX XXXX XXXX in XXXX, OK. I am requesting your immediate attention to rectify the matter as it has adversely affected my credit score and is impeding my ability to purchase a home for my family.
To provide you with the necessary details, at one point, I had a credit line with Synchrony Bank through XXXX XXXX XXXX. I am pleased to inform you that I have responsibly managed my account and have successfully paid off the entire balance in full. However, to my surprise, I recently discovered that Synchrony Bank claims that I owe them an additional sum of {$20.00}, despite the fact that my account was settled and closed.
I must emphasize that I have not received any correspondence from Synchrony Bank, whether in the form of letters or emails, regarding this alleged outstanding balance. I maintain meticulous records of my financial transactions, and I can provide evidence that my account has been paid off in its entirety. This unexpected discrepancy has caused a significant decline in my credit score, which has a direct impact on my ability to secure financing for our first home.
Given the gravity of the situation and the urgency it demands, I kindly request your immediate attention to rectify this matter. I implore you to conduct a thorough investigation into my account to verify that it has been settled. Furthermore, I request that Synchrony Bank promptly correct my credit report, removing any negative remarks or indications of an outstanding balance, as it is unjust and inaccurate.
It is my sincere hope that this issue can be resolved expeditiously and amicably. I have always strived to maintain a positive credit history, and this incident is an unfortunate anomaly that I trust can be promptly addressed.
I kindly request that you provide written confirmation of the resolution reached, including any adjustments made to my credit report, within 15 business days of receiving this letter. I would also appreciate a direct point of contact should further communication be necessary during this process.
I look forward to your prompt response and a swift resolution to this matter. Thank you for your immediate attention and understanding.
Yours faithfully, XXXX XXXX
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| 10/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX I used my paypal line of credit to purchase an in person training class to be completed on XX/XX/2022 as well as a facial beauty tool to be trained on for the amount of {$2800.00}. As of XX/XX/XXXX I still had not heard back on a confirmation of scheduling the class and I also was in the user group and saw lots of issues with the machine overheating and people having to buy 2 of them to work throughout the day etc. On XX/XX/XXXX I emailed and asked if I could just cancel the order due to my concerns and return the package once it arrived. On XX/XX/XXXX, the vendor agreed in writing to issue a full refund upon returning the unit and paypal instructed me to insure the package $ XXXX provided the mailing address for me to send it to, suggested I send it with a signature required, and instructed me to load the tracking information once It was complete. I did all of that exactly as instructed. Paypal stated that once the item was confirmed it was recieved I would receive a full refund 5 days later. I tracked the package, The item was signed for by the vendor herself according to usps on XX/XX/2022. I had to file this dispute many times and paypal kept denying my case. On XX/XX/XXXX I tried to reach out to the vendor to see what was going on and she didnt respond. its a very long story but the short version of this story is, the vendor agreed to issue a full refund for the IN PERSON TRAINING CLASS and the pen she was going to train me on. She received her pen back and signed for it herself and suddenly she changed her mind, decided she was not going to give me a refund AND she kept the pen! She states she sent me an email with training in it which is pointless because I was paying for an in person hands on class???? So she kept the money, kept the pen and didnt train me. I have tried all year again and again I keep reopening my dispute on this however when I call in they have people who have a dropdown list of reasons why a person would dispute something and none of them matched my reason. I sent a {$30.00} fax with the documentation they already had in their system yet asked me to fax. I paid {$27.00} to send the vendors item back as instructed. The vendor since that day has written multiple verbally abusive insulting emails to me stating I am XXXXXXXX etc. and I am at a loss as to what to do now? I received no in person training and I returned the product and proved the vendor signed for it. Please advise. My next move is to report it to all 3 credit bureaus that it is FRAUD. I appreciate your time and response.
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| 10/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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Synchrony is doing everything in their power to ruin my score/ increase debt ratio. I have been paying every month. This is the 3rd time they have reduced my limit and/or closed accounts. I dont deserve this. I was in the high XXXX and now am in the mid XXXX thanks to this.
It all began when they added a service without my knowledge called payment security to my account back in XX/XX/2022 which charged me hundreds in service fees to my account on a service that was meant to help with debts during a financial hardship. I called and asked it to be removed but they persuaded me to keep it and file a dispute because I had been going thru a financial hardship at the time. I filed proof of hardship, medical documents and after 3 months was denied assistance. Payment security is an absolute scam that took advantage of their cardholders in a globally challenging time. After all of this I requested the service be stopped and the account be closed which I have continued to make payments on to this day. After closing this account they reported it as a derogatory closure on my account and it dropped my fico between XXXX points from that closure alone. My credit was destroyed that day and went from good to poor credit. I wish this was the last of it but they continued to further ruin me.
After this they closed car care credit card and lowered my care credit limit to the balance owed which now appears on the bureus as a maxed out credit card and a higher debt ratio from these unjustified and unethical closures. They specifically targeted me after the paypal closure and reporting them to the bureus, FTC, XXXX for this service of theirs. And now sent me letters that they've closed cards and lowered limits due to my credit score and debt ratio which they are to blame for creating this image.
I would like my score as well and limits restored if not I will be disputing this matter in court. And due to the challenges, suffering and defamation this matter has brought I would also like them to pay for damages as well as be penalized for it.
Its is absolutely disgusting a bank would retaliate and target someone like this, intentionally ruin their credit and lives. I depend on my score at this time to secure housing which this experience is not only upsetting but greatly damaging, its the reason I am presently without a home at this time because no one will approve me with such a score no matter how much I try to explain it wasn't my doing.
XXXX XXXX XXXX Synchrony Synchrony Payment Security XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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| 05/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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XX/XX/XXXX, I opened an account with Care Credit. I used my card as instructed, and each promotion was independent and each had it's own expiration period. With Care Credit we calculated what my automatic monthly payment needed to be- $ XXXX to pay off each promotion within time frame. I called each month to clarify and confirm, make sure all was good, because the statements are very misleading, not listing each independent promotion, where and how my money is being allocated, so it's a successful payment. Each time I spoke with a customer service rep, they assured me that my payment was going to the oldest promotion that was expiring the nearest. Each month this was clarified. When I called this month XX/XX/XXXX before billing due date, this rep, said I had old promotions never paid, and have been accruing interest for almost a year. I expressed this isn't possible I pay {$400.00} every month and sometimes {$800.00} to pay off the promotions within time frame as needed, and each month a rep confirmed it was being allocated to the nearest ending promotion. They were blank, never had an answer, never said sorry, nothing. They just said this is what it says. I was furious, told them I felt robbed, cheated, mislead, and this is intentional stealing. Clearly I have the money and can pay this off. I used the card to cushion instead of paying one big lump amount at one time. But they withheld, misguided, and lied, abusing my money being given and paid to them. I said I want nothing more with their business and just decided to pay $ XXXX then and there to get me out of their organization. I can not believe this exists, and they clearly intentionally did this. They said they didn't have documentation on their end that I had called. Which is a blatant lie. I said by me personally calling each month I've trusted you as a business in good faith to receive and allocate my money appropriately for success. They didn't respond verbally, just that I had to pay all the interest now to stop this. So I did to be rid of them.
On my online account it states my promotions with expiration dates. So when I would call to pay and told them to confirm the nearest promotion, they did, and the money was said to go to that. They never once said it wouldn't, they never said because it wasn't I was accumulating expired promotions, they never told me when I asked about these deferred interest rates- they said as long as I keep paying in full I won't be charged and this just states what would be charged if I don't pay in full at end of promotion period.
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| 04/06/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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First let me state that I my information has been compromised by XXXX Data Breach as well as XXXX Data Breach. I noticed a recent charge on my credit report initially from XXXX, dba XXXX. Per CFPB Validation Notice Letter, a precise request, following CFPB guidelines, on XXXX XX/XX/XXXX to XXXX. Per CFBP Debt collection rules and Debt collection rights ; XXXX failed to follow CFPB guidelines and comply with FCRA and FDCPA " VALIDATION '' per the letters request, within the 30-day guideline ( XXXX ).
The company, XXXX sent a noncompliant response, dated XXXX XX/XX/XXXX providing an " enclosed account summary which provides " verification of debt, '' NOT VALIDATION ( see attached ), not in compliance with FCRA nor FDCPA. XXXX failed to VALIDATE within the 30-day deadline. In addition to violating FCRA and FDCPA, XXXX requested " contact one of their Customer Service Representative . '' A debt Validation Notice was sent via certified mail to XXXX On XXXX XX/XX/XXXX, which XXXX acknowledged receiving ( see attachment ) a copy of the letter on XXXX XX/XX/XXXX ; per certified documentation. However, XXXX in their written communication responded as XXXX XXXX XXXX & but are reporting to credit bureau as XXXX.
It appears that this company is practicing unscrupulous monopolizing practices and is unable to decide if they are XXXX or XXXX XXXX XXXX ; either way, it is illegal to report the same debt ( double dip ) as two separate companies. It's called " monopolization '' and under FTC regulations, it is violating 9-28.000 it's illegal. As such, I've also filed a complaint with DOJ with their documentation as well regarding debt reporting as two separate companies ; i.e. sending correspondences as XXXX and reporting to credit bureau as XXXX on my credit report.
Again, XXXX XXXX failed to comply with CFPB guidelines, FCRA nor FDCPA, Validation Notice Letter as set forth by US Congress .
Either way, XXXX failed to comply with the 30-day regulation by failing to validate the debt ( see attached Validation Notice Letter sent ) ; as such, failure to comply requires that XXXX must immediately remove/stop negatively reporting to all 3 credit bureaus.
Additionally, I had accounts with Synchrony Bank ( Care Credit ) & paid my debt. I also called PayPal and spoke with a representative that stated I 'did not have an account that I owed at PayPal . ' When I asked if she could send me an email confirming it ; she stated I 'did n't need one b/c I didn't owe anything. ' I know the company records their messages and can listen to the message.
|
| 11/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Ive sent multiple cease and desist letters to SYNCB/TJX COS already with no response. This is what is in the letter and what you need to send to them.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia [ XXXX ] SYNCB/TJX COS XXXX XXXX XXXX XXXX, FL XXXX XXXX : SYNCB/TJX COS account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by SYNCB/TJX COS , ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt.
Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred.
Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : *Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation *Zero out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; *Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above.
Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation.
( Janetos v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX *assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing XXXX, XXXX XXXX at XXXX. ) Respectfully, XXXX XXXX
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| 10/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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Web |
Older American, Servicemember |
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On XX/XX/2019, I filed a complaint against PayPal, XXXX, incredibly I received a response from Synchrony bank, which did not address the issue at all. The response from Synchrony simply gave me a history lesson, thank you for telling me what I already knew.
SO LET 'S DO THIS AGAIN and I will word my complaint differently so there is NO confusion.
PayPal ( not Synchrony Bank ) targeted and solicited me to open a PayPal line of credit. Promising zero interest and 6 months or more to pay for items over {$99.00}.
I APPLIED ; and was approved my credit score was XXXX.
The line of credit is now attached to my PayPal account. However PAYPAL, not Synchrony Bank, does not allow me to use the line of credit as an OPTION for any purchases at all. I have made a dozen attempts over the last 2 weeks, from {$40.00} to {$700.00} each and every time with a merchant that accepts PayPal Line of Credit. BUT, PayPal does not give me an OPTION to use the line of credit I was approved for by Synchrony Bank. I will provide screenshots of my attempts and you will see the OPTION to use the PayPal line of credit is NOT available for me. I have made at least 9 inquiries and every time get the identical standard auto response. I have done nothing to break any agreement because I have not had a chance to use the line of Credit. PayPal has not asked for an additional information of provided a valid reason why I can not use my line of credit, This is FRAUD by PayPal and I have been harmed.
In Summary again to make sure whoever reads this understands.
1. PayPal solicited me to apply for a line of credit 2. I applied and was approved through Synchrony Bank 3. My line of credit was attached to my PayPal account 4. I get solicitation every day from PayPal to use my line of credit 5. I have made over 9 attempts to use my line of credit with merchants who accept PayPal but PAYPAL refuses to allow me to use the Line of credit for anything. Paypal simply has blocked my account for access to my PayPal line of credit.
THIS IS A EASY CLASS ACTION as PayPal misleads every single consumer. What PayPal really does is make a credit decision against each consumer for each purchase attempt using the Paypal line of credit. If I knew this is why PayPal really did I never would have applied and gone through this XXXX.
Any XXXX search will reveal the thousands of identical complaints.
****Lastly, I do NOT want and do not authorize and phone calls from PayPal in their response. I want all communication in writing to make sure both sides have an accurate record.
|
| 12/02/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
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I applied for a Lowe 's Credit Card to use for a few home remodeling projects. I made my payments, always on time, and I opened an online account to monitor my account balance, purchases and payments. Just recently, I noticed that my payments were either being applied late or were not be applied at all. And this was after I had made payments at the place of purchase using a debit card. Because of these concerns, I cancelled my XXXX 's card. I can still access my XXXX 's account online, which has a link to the Synchrony Bank, where I believe the problem exists. I honestly believe that Synchrony Bank may be purposely trying to deceive customers by not being more transparent. My Synchrony account online, does not reflect a complete ledger of payments, purchases and balances on the same page. As a customer, I have to manipulate through several pages online in order to figure out which payments have been received, what purchases have been made, and what the current overall balance is on my account. Synchrony too, is deliberately waiting several days before applying my payments to my account and in doing so increases the amount of interest payments I am forced to make. Over the past two months I have made three separate payments to my account, but as of today, only one payment is reflected in my account balance. When I called Synchrony Bank recently to complain about their online ledger format, the operator told me that there was nothing she could do. Please understand that Synchrony Bank, which provides credit card services to XXXX, is not being transparent to XXXX customers and may be purposely deceptive in their business practices. I feel quite certain that all of my payments are not being applied by Synchrony Bank to my XXXX account and that Synchrony Bank is deliberately hiding all of my transaction history, based on their online ledger format which actively hides or confuses purchases, payments and account balances, which are deliberately kept on separate online pages and makes no sense to customers who are actively trying to monitor our accounts. It is bad enough that Synchrony Bank charges predatory interest rates, but their way of doing business is horrible, if not inherently dishonest. I have other online banking accounts, and their formats are easy to understand, where I have all the information I need, on XXXX page, to monitor my account, but Synchrony Bank is the only banking organization that is actively concealing account information and thus deceiving customers.
Respectfully, XXXX XXXX XXXX XXXX, Missouri
|
| 03/01/2017 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
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Web |
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complaint on Synchrony Bank XXXX Synchrony bank has committed fraud by saying that they transferred {$6000.00} to my account at XXXX XXXX XXXX.
On XX/XX/2017, I made XXXX transfers from XXXX XXXX XXXX to Synchrony Bank in the amounts of {$5500.00} and {$6000.00}. On XX/XX/2017, I sent an email asking Synchrony Bank to cancel the transfer. In the interim I tried to transfer the money back myself however, I was contacted by email and told that Synchrony Bank had cancelled my transfer request but it was the wrong one! They did not even look at the time line. Instead of cancelling the transfer that I requested from XXXX XXXX XXXX, they cancelled the transfer from Synchrony. Then they put a " Restriction '' on my account holding ALL of my money hostage. I have made more than a reasonable amount of phone calls to Synchrony bank with no resolution and no money either.
In these phone calls I asked that the money be sent back to XXXX XXXX XXXX. They transferred back {$5500.00} and said that they also transferred back {$6000.00} and that it would take 3 - 4 business days to get those funds back, this was on XX/XX/XXXX and XX/XX/XXXX.
I got the {$5500.00} back into my account with XXXX XXXX XXXX but not the {$6000.00}. I have spent days and hours speaking with managers at Synchrony Bank who say that the funds were sent to XXXX XXXX XXXX and that there is nothing they can do. They gave me a trace number ( see below ) and told me to give that to XXXX XXXX XXXX. When I did, XXXX XXXX XXXX said that they have no idea what that number is. I was told that the {$6000.00} was never transferred into my account.
I have been given the run around by both Synchrony and XXXX XXXX XXXX telling me that the issue needs to be taken up with one or the other. In my opinion, the responsibility lies with Synchrony Bank. They have done nothing but mess up my account and attempted contacts with them from the beginning.
The " trace number '' they gave me is XXXX. Today is the 5th business day and I do not have my money ( {$6000.00} ) in my account at XXXX XXXX XXXX.
I spoke with a manager XXXX at extension XXXX. She told me she would call me back in an hour. When I called back after leaving 3 messages with her I was told that when she tried to call me back my phone was disconnected. Interesting since my phone has not been disconnected and it is the same number I 've been calling them from.
I was given another managers name and phone number and was told to wait another day. That will be 6 business days without my money because of Synchrony Bank.
|
| 01/20/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
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Web |
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On XX/XX/2021, I was the victim of a malware attack that apparently got into my XXXX account, was able to change my email filters so I would not see certain emails about " bank, fraud, or recovery '' and likely got into my stored usernames/passwords and financial credentials stored in XXXX. Subsequently, my PayPal account and 2 other finanacial institutions were targeted for fraudulent transactions.
On XX/XX/2021 two unauthorized transactions took place on my PayPal account that went into my PayPal credit account. # 1 was a {$1.00} " Donation via PayPal Giving Fund '' which I theorize was a " test run '' before # 2, a {$1400.00} transaction to " XXXX XXXX XXXX. '' Both of these transactions were made without my authorization or knowledge. I had to XXXX what this company was, and it was some video game design class or something that I have no dealings with.
I did not notice these transactions until XX/XX/2021, where I immediately submitted an unauthorized activity case submission to PayPal. On XX/XX/2021, they denied my claim responding : " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' The following day on XX/XX/2021, I wrote an appeal to their decision, explaining that 2 other financial institutions had agreed I was the victim of parallel fraud activities and argued that the transaction was not " consistent with my PayPal history '' as my PayPal credit account had set dormant for months, I have a PayPal credit card I have used for credit purposes, and I have never purchased any video game-related items with PayPal because I don't play video games. I also made available my willingness to provide any additional information or documentation.
On XX/XX/2021, they again denied my appeal, citing " This decision was made because this transaction was not unauthorized. '' I am writing to the CFPB to complain that since I did not authorize these transactions, PayPal did not perform an adequate investigation into my fraud. I do not have in my possession whatever video game item was purchased for {$1400.00}. I am the victim of fraud. At no point did PayPal reach out to me to ask for any information coming from my end, yet somehow they concluded that I authorized these transactions. I respectfully request that my complaint be escalated that a more competent investigation be completed and that PayPal not ignore their platform being used for fraudulent activity.
|
| 05/23/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to address the issue directly with the agency, the following violations have remained unresolved : 1. Unauthorized Debt Acquisition : XXXX XXXX XXXX acquired a debt from the original creditor, Synchrony Bank, without obtaining my explicit consent. As per the FDCPA, it is illegal for a collection agency to acquire and pursue debts without the debtor 's consent.
2. Failure to Provide Verification of Debt : On XX/XX/2023, I sent a written request to XXXX XXXX XXXX, requesting verification of the alleged debt they were pursuing against me. However, the agency failed to provide any valid documentation or evidence supporting the existence and accuracy of the debt, as required by the FDCPA.
3. Ignoring Cease and Desist Instruction : In my previous correspondence with XXXX XXXX XXXX, I explicitly instructed them to cease all communication with me regarding the alleged debt until proper verification was provided. Despite this instruction, the agency continued to engage in collection efforts, disregarding my rights under the FDCPA.
These ongoing violations have caused significant distress and have infringed upon my rights as a consumer. In light of these circumstances, I am seeking the following actions : 1. Investigation : I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the actions of XXXX XXXX XXXX to determine the extent of their violations and hold them accountable for their non-compliance with the FDCPA.
2. Cease Collection Efforts : I demand that XXXX XXXX XXXX immediately cease all collection activities related to the alleged debt until they provide valid verification as required by the FDCPA.
3. Remedial Measures : I urge the CFPB to take appropriate measures to ensure that XXXX XXXX XXXX rectifies its violations, including but not limited to imposing penalties and sanctions as permitted by the FDCPA.
Enclosed with this complaint, you will find copies of all relevant correspondence, including the written request for debt verification and the documented disregard of the cease-and-desist instruction. These documents serve as evidence to support my complaint. I appreciate your attention to this matter and your commitment to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and provide me with a resolution.
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| 10/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$490.00}. With another product on the same bill, my total came to {$520.00}. The other product was satisfactory, but the aforementioned XXXX XXXX was defective upon arrival.
Immediately after receiving the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I noticed it was non-functional right out of the box. I made diligent efforts to troubleshoot the product as per the owner 's manual but to no avail.
Given that the product was not operational, I initiated a dispute with PayPal under the reference XXXX. After an extensive wait and multiple communications, the merchant proposed that I could return the defective product, but the cost of return shipping would be my responsibility. Considering the substantial weight and size of the product, the XXXX shipping label would cost nearly as much as the product 's original price. I reached out to the merchant to inquire if they would cover the return shipping, but I did not receive any response.
Given the lack of resolution through PayPal and the merchant, I approached my credit card issuer, Synchrony Bank, to request a chargeback of {$490.00}, citing the reason as " Defective Product Received. '' Initially, the bank issued a temporary chargeback while they commenced their investigation. However, to my dismay, the chargeback was reversed in the merchant 's favor on XX/XX/XXXX.
One of the pivotal reasons I opted to purchase this product online was due to the assurances provided by PayPal 's XXXX XXXX and the protective measures that come with credit card transactions. I had an inherent belief that these mechanisms would offer a safety net, ensuring my interests were safeguarded. I find it deeply concerning that despite these multiple layers of supposed protection, I find myself in this prolonged and arduous situation.
I'd like to emphasize that over my tenure as a cardholder with Synchrony Bank, I've made transactions totaling more than {$10000.00}. Initiating chargebacks is not a habitual or recurrent action on my account. I've always approached my transactions responsibly, and I genuinely anticipated that the protections, especially in rare circumstances like these, would function seamlessly for a loyal and consistent customer like myself. Instead, I've been subjected to an extended waiting period, had to escalate the issue multiple times, and navigate a maze of processes, all for a matter that I believed was straightforward and should have been resolved in my favor from the onset.
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| 07/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Credit card company forcing arbitration
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Web |
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1 ) Credit Card Company - " GAP Silver Visa Card '' - " Synchrony Bank '' abruptly closed by Credit Card without giving any prior notice / call / email. Also reason for account closure given by bank ( as per below point # 3 ) never mentioned or discussed by agent earlier 2 ) Bank Closed my card/account around XX/XX/XXXX to XX/XX/XXXX and I tried to use that 2-3 times during that week to get - a. XXXX XXXX XXXX XXXX ( For my family member who suffered from XXXX XXXX in month of XX/XX/XXXX ) b. Grocery Items c. other important stuff d. Also account closure impacted me heavily as this card is linked to my Car Insurance/Kids Day Care Fees/ Online Shopping Website etc. 3 ) After contacting to Customer Care ( Telephone ) - 2-3 times between XX/XX/XXXX- XX/XX/XXXX - they gave me unacceptable reason of closure of credit card. Reason I 've got == My Bank - which is holding my Checking + Saving Account has been rejected 2 Payments for Month of XX/XX/XXXX ( for Amt. - {$5000.00} ) and Month of XX/XX/XXXX ( for Amt.- {$1000.00} ) 4 ) When I checked my credit card account balance - it was showing balance - {$490.00} as of XX/XX/XXXX with Due Date XX/XX/XXXX - and I 've cleared that balance on same day. I requested Synchrony Bank to reopen by account as it could be some issue with my checking account during that time and those payments were already processed with balance of {$550.00}. Not sure why there was difference of some $ with respect to due amount - {$490.00} as I did final payment of {$550.00} on XX/XX/XXXX.. FYI - Current Outstanding balance is XXXX ( As of XX/XX/XXXX ) 5 ) If Bank is not able to re-open my account then I requested them to Transfer or Adjust my Cash Reward Points which was around {$400.00} as I am using this Card for approx. 5 Years i.e. from XX/XX/XXXX..Also my Credit limit was {$9300.00} and always used this Card for all type of purchase with full utilization ; which has benefited synchrony bank 6 ) I 've got very un-professional answers and they informed - their software system is not having account reopen feature and it 's impossible to re-open account & adjust my cash reward. Also I understood that bank does not have email id / digital process / telephone process to log complaint or reach to any senior person 7 ) I was most valued customer for last 5+ year with Credit Score XXXX and still bank is not able to re-open or adjust my cash reward points. We loved GAP showrooms and we would like to continue shopping there via GAP cards but after this kind of treatment we need to stop the GAP shopping.
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| 02/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I noticed a hard inquiry dated XX/XX/XXXX on my TransUnion credit report from Syncb National Credit Cards/Airlines. I did not apply for ANY credit in the year XX/XX/2019 and yet it appears on my XXXX report. It, however does not appear on my XXXX report. So I decided to call Syncb at ( XXXX ) XXXX and the first agent I spoke to said that he did find an account with my social but not my name. He then transferred me to the fraud department.
This gentleman in the fraud department asks to put me on hold for a few minutes to check his application database and when he gets back, he states that he could not locate any information for me. He told me to, again, call XXXX and let them know. I asked him if I need anything from him and he said no, that XXXX would contact them.
I call TransUnion back and the representative on the phone tells me that I have to call Syncb back and get a letter of deletion from Syncb. She said that I needed this letter to have it removed from my credit report. She told me to mail it to XXXX XXXX XXXX XXXX, PA XXXX and include my name, address, last 4 SS, my file # which she provided, and to write that it was in regards to removing my hard inquiry from my report.
I call Synb back. They told me that they were not going to provide me with a letter of deletion because there was nothing to delete. I stressed the fact that XXXX requested it and still they refused to provide any such document.
Furious, I called XXXX back and let them know that Syncb refused to give me a letter and the lady basically told me sorry because they need the letter. I told he I can not make them give me a letter and I needed help getting this removed. She told me to file a police report, which I thought was crazy considering I don't think the police have the time or manpower to investigate my credit report. She transferred me to her supervisor and he told me to file a report with you, the Federal Trade Commission. And so I did. I was told to file this and send it to the same address I listed above.
I can not believe that I can not do anything to resolve this matter on my end. I feel as if I have been getting the run around and if my name/SS is not in Syncb 's database, I don't know why my credit should reflect that. I need as much help as I can get in resolving this matter.
I XXXX this Syncb National Credit Cards/Airlines after the fact and found out that I am not alone in this. Seems several consumers have had the same experience and run around.
Please help as I am at a loss as to what to do.
Thank you
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| 12/20/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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Brand new credit card received with a credit limit of {$1000.00}. My very first payment was due XX/XX/18. I made a payment online XX/XX/18. I received an emailed same day ( XX/XX/18 ) stating the payment was " scheduled '' and would take 2 business days to post. Emailed received XX/XX/18 stating the payment made on account posted XX/XX/18. Next email received XX/XX/18 was simply stating my statement was ready. XX/XX/18 and XX/XX/18 indicated that a payment was missed. I contacted the issuing bank ( Synchrony for XXXX ) to which I was advised for the very first time that my payment was rejected. I never received any notification via email that this was an issue. On XX/XX/18 I was able to speak with a supervisor who informed me that the notices that go out for rejected payments, only go out in a letter to the home address and NOT via email like all of their other correspondences related to the financial aspect of the account. She also stated that the 2nd email that indicates a " posting '' to the account does not mean funds were received by my bank for the payment. The email does have verbiage that indicate that it being considered as " posted '' there could be issued with my bank information and funds not meeting the payment. The letter that they generate for this " rejected '' payment was dated XX/XX/18, and was received in the mail on XX/XX/18. As a result of this undisclosed " rejected '' payment, I was charged a late fee, ( however, I would have corrected my bank acct number or used another source of payment if I was notified and the payment would not have been late ), the late payment was removed, yet my credit limit was drastically reduced. This particular credit car has options when purchasing to request installment payments of purchased, therefore by reducing the limit, the pending charges, once processed would result in the credit line being exceeded. I had previously made purchased based on my credit availability at that time. This appears to be a tactic used to set a consumer up for fee after fee. The notifications used were deceptive as they email for late payments and when payments are received, but lack timely notifications that could inform the consumer of issues that could result in a negative impact on credit and additional fees. Their resolve was for me to request a review for an increase in the credit limit ( of which I was denied ) and no options for the communication as this was their practice and they were " sorry this happened '' and I could simply pay off the card to avoid further issues.
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| 01/19/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is my SECOND complaint about SYNCHRONY BANK. SYNCHRONY BANK continues to violate my rights as a federally protected consumer under 15 USC Chapter 41. I am a victim of identity theft and fraud. SYNCHRONY BANK has been harassing me and claims I owe a debt that is NOT mine to pay. I filed an FTC identity theft report and sent an Affidavit of Truth to SYNCHRONY BANK stating what violations they have violated with proof- sent on XX/XX/XXXX. ( attached ) It was sent via certified mail and I received the green return slip on XX/XX/XXXX letting me know it was in the hands of the XXXX of SYNCHRONY BANK. ( attached ) I had not heard from them, but noticed that the account was still open and with a different account number. With that, I filed my first CFPB complaint on XX/XX/XXXX.
SYNCHRONY BANK finally responded XX/XX/XXXX. ( attached ) They declined signing my Affidavit of Truth and claimed that they " validated the debt because payments were made ''. Under the laws of Commerce, an un-rebutted Affidavit stands as Truth. Therefore, my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against me. Moreover, their " evidence of " proof '' in attempt to validate the debt is in violation of 15 USC 1692h- which was a violation stated in the Affidavit of Truth sent to them.
They continue to perform identity theft acting as if they are the Original Creditor. This is incorrect pursuant to 15 USC 1602 ( g ). I am the Original Creditor and my social security number issued credit, not them. This also violates 15 USC 1692e ( 2 ) and 15 USC 1692e ( 7 ).
As mentioned briefly above, SYNCHRONY BANK proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. This is a violation of 15 USC 1602p. My account number changed from ending in XXXX to ending in XXXX. ( attached ) Furthermore, I did not apply or sign for the card with this account number, therefore I am not to be legally held to the contract.
SYNCHRONY BANK continues to harass me sending emails to pay a debt that I don't owe. ( attached ) violating 15 USC 1692j, 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692 ( e ) ( 2 ) ( a ), 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ), and 15 USC 1692e ( 7 ) ( most already stated in the Affidavit of Truth they've already received. ).
This is completely unlawful and abusive. I have provided all proof needed and have done all steps needed via the federal law and SYNCHRONY BANK is still breaking FEDERAL laws pursuant to the FDCPA.
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| 12/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues.
I have attached a 3-bureau credit report dated XXXX/XXXX/XXXX issued by myFICO.com for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below.
On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( Syncb/Amazon XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " XXXX XXXX to XXXX ( XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been XXXX in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off.
A third account identified as a negative account and charged off includes the XXXX credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XXXX/XXXX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and inaccurate.
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| 05/03/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have received at least three ( 3 ) automated phone calls per day for the last three or four ( 3 or 4 ) days while I'm at work from Synchrony Bank [ phone number XXXX ] acting on behalf of Care Credit. They claim that I owe {$2400.00} for XXXX performed by XXXX XXXX XXXX XXXX. They further allege that I am delinquent on that account. The irony is, I've never had any XXXX or other dealings with XXXX XXXX XXXX XXXX. Then they stated it was for my wife 's XXXX. She has had two ( 2 ) XXXX with them. However, I have a copy of her most recent statement that shows a balance of {$760.00}. I contacted them earlier this evening and spoke with a foreigner who repeatedly tried to get me to admit to the debt and to make an online payment. I repeatedly stated that I would have to speak with my wife first. He persisted until I finally told him I didn't care what he put into his system, just stop calling me. I should mention that I am a XXXX with good credit. Their phone calls are not only irritating, but disruptive to my XXXX XXXX.
When my wife came home she told me that she has contacted Care Credit several times and nobody can tell her why she owe this extra {$2400.00}. Subsequently I contacted Synchrony again this evening and was told by them that they were not contacting me about my wife 's account, but about an account in my name for XXXX performed on me. Let me reiterate, I have never had any XXXX period. I've never even been to XXXX XXXX XXXX XXXX office. Synchrony tried to deflect the blame back to me when I questioned them about the account in my name and asked them to tell me when I had these supposed XXXX. I also stated that I had never received any bills for this account. They told me they didn't have that information. At that point I demanded to speak with a supervisor and an AMERICAN. They transferred me to their fraud department where I spoke with a snotty woman who did not identify herself.
She made me repeat everything I had already said and kept interrupting me. She finally admitted that this account was fraudulent and obviously not mine. I demanded that they stop calling me and very explicitly said I would fine a complaint and I would seek legal action if any of this showed up on my credit report. She made vague statements to the effect that I had a right to complain and I could sue anyone ( as a veteran I take offense when a foreign national tells me what my rights as an American citizen are ). Despite repeated statements on my part, she would not say that this wouldn't show up on my credit report.
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| 06/13/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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Synchrony Home Customer Support XXXX XXXX XXXX XXXX, FL XXXX Dear Synchrony Home Customer Support, I hope this email finds you well. I am writing to request your assistance in resolving a recent issue regarding a late payment and negative credit reporting associated with my account. I have been a valued customer of Synchrony Home since XXXX, and I have always strived to maintain a good payment history with your company.
Unfortunately, due to unforeseen circumstances, I encountered a significant challenge that affected my ability to make a timely payment. I contracted a documented case of XXXX, and as a result, I have been recovering from the illness over the past few weeks. This has caused a disruption in my usual routine and created financial difficulties during my recovery period.
I would like to bring to your attention that federal laws, such as the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and subsequent legislation, have provided protections for individuals impacted by the COVID-19 pandemic. These laws encourage understanding and flexibility in accommodating payment delays due to documented cases of illness.
Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and creditors ensure the accuracy and fairness of credit reporting. In light of my extenuating circumstances, I kindly request that you reconsider the late fee associated with my account and remove any negative credit reporting that may have occurred as a result of this isolated incident. The FCRA encourages creditors to make reasonable accommodations for individuals facing temporary hardships beyond their control.
I want to emphasize that I value my relationship with Synchrony Home and have always made timely payments in the past. As evidence of my commitment to resolving this matter, I recently made a payment of {$500.00} towards my account, and I plan to pay off the remaining balance in full before XX/XX/XXXX.
Considering my situation and the applicable federal laws, I kindly request your understanding and assistance in resolving this matter. If necessary, I am more than willing to provide any additional documentation or information that may support my case further. I hope we can find a solution that is mutually beneficial and preserves our positive business relationship.
Thank you for your attention to this matter. I look forward to your prompt response and a satisfactory resolution.
Sincerely, XXXX XXXX Last 4 of SSN : XXXX XXXX or XXXX New Phone Number : XXXX
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| 05/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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Sent this letter to Paypal Credit on XX/XX/XXXX with no response from the company.
XXXX XXXX President / Chief Executive Officer Synchrony Bank XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX RE : Conditional Acceptance of Payment Claim Lowes Advantage Card ending in XXXX PayPal Credit Account XXXX in XXXX Dear XXXX XXXX, I am writing in response to your correspondence dated XXXX the XXXX, XXXX in which you claim that I am obliged to make a payment to Synchrony Bank for services and / or goods provided. I appreciate your attention to this matter and am willing to consider the claim on a conditional basis, subject to the fulfillment of the following conditions : Signed Contract : Please furnish a copy of the signed contract bearing my wet ink signature. This contract must clearly outline the terms and conditions agreed upon by both parties and demonstrate that I have willingly entered into an agreement with Synchrony Bank for the provision of services and / or goods.
Itemized List of Services and / or Goods : Please provide a detailed and itemized list of the services and / or goods that you claim Synchrony Bank has provided to me which warrants the payment. This list should include a comprehensive description of each service and / or good, the associated cost, and any relevant dates or time frames.
Upon receipt of the requested documentation, I will thoroughly review the provided information to determine the validity of you claim. If your claim is found to be legitimate, I will take the necessary steps to ensure prompt payment in accordance with the agreed-upon terms.
Please submit the requested information within 10 business day of receipt of this letter. If I do not receive the required documentation within this time frame, I will assume that you are unable to fulfill these conditions and your claim will be considered null and void. Further, note that that the requesting payment devoid of a contract may be considered racketeering.
If you have any questions or concerns regarding this matter, please do not hesitate to contact me using the address above.
Thank you for your cooperation, and I look forward to resolving this matter in a timely and amicable manner.
Sincerely, Then I received an on-line correspondence thru my email from them saying something about them looking for a missing payment. Then the next day the account was credited for the total amount due of {$1400.00}.
Now the amount is back on my account as a current balance due and my card has been frozen which is an interference in commerce.
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| 02/20/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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As of XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX.
The payments I made to XXXX XXXX XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to XXXX XXXX XXXX XXXX, he told me that he could not do that.
I explained that I didn't receive receipts for my payments to XXXX XXXX XXXX XXXX, but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to XXXX XXXX XXXX XXXX.
The most recent letter I received from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance.
In light of this fact as well as the fact that I've never received receipts from XXXX XXXX XXXX XXXX, I implored the representative from XXXX XXXX XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that XXXX XXXX XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to XXXX XXXX XXXX XXXX.
I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXX XXXX debt was sold to XXXX XXXX XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXX XXXX. Even before my XXXX XXXX XXXX XXXX account was sent to their own collection department, XXXX XXXX itself, also always provided me with a receipt of payment for every payment I made.
To date XXXX XXXX XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX. This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from XXXX XXXX XXXX XXXX.
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| 07/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Lender Executor, Administrator, holder in due course, for any and all derivatives, thereof for the surname given XXXX XXXX, XXXX XXXX and have been appointed and accepted the executor, both in public and in private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX, XXXX XXXX and autographed as an agent, attorney in fact, so be it ; I decided to applied for the TJX rewards master card in good faith and was denied. This corporation is out of line, as the original creditor I, the natural person, am the only original creditor, and the only one with power to created and discharge debts, this company denied me my right of credit Under the FDCPA this is a violation that carries civil liabilities of any and all actual damages. I am well aware of the United States Code ( which are federal regulations that must be followed by all corporations. Also I have provided a reference to the Code of Federal Regulations, which the person d/b/a SYNCHRONY BANK is in violation of.
here is an enumerated list of codes they are in violation of : 15 U.S. Code 1681k ( 1 ) // 5 CFR 752 - adverse action 15 U.S. Code 1692 a ( 4 ) // original creditor 12 U.S. Code 83 ( b ) // banks can not lend their own stock 12 U.S Code 1431 // a banks job is not to extend credit 12 CFR 1026 // truth in lending, Regulation Z 15 U. S. Code 1692k ( a ) ( 1 ) - civil liabilities.
application number for said denial is : XXXX This company has injured my reputation ( my consumer report ) and has tarnished my good name. Has deceived and misrepresented my name and has had a hand in the perpetuating the fraud and deceit that exist in the sovereign land of The United States of America. All of these actions carry civil liabilities for any and all actual damages.
this is also and " unlawful contract '' since a lawful contract involves factors such as : Full discourse, equal consideration, lawful terms and conditions, wet ink signature of both parties. since there is no statue of limitations on fraud, and this company has not provided nor has a remedy in mind to offer me I will list the expected remedy that I seek.
these are just some of the federal regulations this company has violated, when the letter In the Mail arrives I will be sending this company an affidavit of truth with an invoice and these papers will be notarized should you choose to challenge my demands. I will be expecting some form of rebuttal or to be heavily compensated by check.
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| 12/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit.
XXXX 1. Identity Theft XXXX XXXX XXXX.
Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft SYNCB Account Number : XXXX This is not mine.
9. XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
experian 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX
Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
10. Identity Theft SYNCB Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
transunion 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX.
Account XXXX : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
12. Identity Theft SYNCB Account Number : XXXX This is not mine.
13. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 08/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American |
|
Dear Sir or Madam, I recently discovered I was being charged huge interest on a Care Credit card that had been promoted as free financing for XXXX XXXX done in 2013. The company, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX AZ XXXX ( ph. XXXX ), represented by XXXX XXXX ( Director of XXXX XXXX and XXXX XXXX ) promoted interest free financing in an effort to get me to sign up for a Care Credit card. I was referred by her to XXXX XXXX in XXXX 2013. He told me that there was to be " no interest on the full amount of the charges for this XXXX XXXX until fully paid off ''. This was a promotional offer, the sole purpose of which was to " promote my use of the card for further purchases. '' This was untrue. At the end of an unmentioned 2 year promotional period, I was charged the accrued interest at 26.99 % for that two year period. The amount of that interest was {$2400.00}. I was not shown, nor was I verbally informed of any promotional period that involved a payment of accrued interest when it expired. Upon questioning XXXX XXXX about this, she sent me two Care Credit Sales Drafts of that agreement that were UNSIGNED. They were unsigned because I never saw them at any time during the meeting with XXXX XXXX. If I had, I would certainly not have signed such a poor agreement. ( These unsigned sales drafts are included in the attachments ). I made the mistake of allowing an automatic debit to take place on this card along with online statements, thinking that ( as XXXX led me to believe ) the principal would simply get paid down. While it would have been in my interest to have regular statements delivered, during that period my wife developed XXXX and for the following couple of years I was preoccupied with her care and the details of her eventual death. Meanwhile, the card was not getting paid down at all. In fact it was developing the horrendous compound interest which I only discovered recently. I have heard of this sort of activity by unscrupulous credit card companies, but never believed a company like XXXX would be involved in such activities. As I indicated to XXXX XXXX, I feel like a rube at a carnival that has just been duped out his hard earned cash. The attachments include emails between myself and XXXX XXXX, along with the unsigned Care Credit sales drafts, my original financial agreement and the credit card statement for the month the lump sum was added to my account. Please note that the emails/attachements time line reads from BOTTOM to TOP. Thanks for your help, Cheers, XXXX XXXX
|
| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX, I underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and Deltas investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again.
The overage of the cost was financed through Synchrony Bank. These documents were presented to me for signature at the end of my eight hour, routine crown restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed.
On XX/XX/XXXX ; I was served with a Subpoena. Synchrony Bank was suing me for the funds in which the financial documents were signed without my knowledge.
On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : XXXX XXXX. XXXX ; Synchrony Bank vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio.
I filed a Statement of Issues with the Court on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX.
On XX/XX/XXXX ; evidence was reviewed and the case was dismissed.
Synchrony Bank then sold this debt, which was dismissed by the Court by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, XXXX XXXX XXXX name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because XXXX is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX.
XXXX has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and XXXX, I could not have my name on our new Mortgage thus, I am now vulnerable.
XXXX XXXX has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed.
Im attaching the Court records and, Synchrony Banks Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report XXXX us showing them as payments made.
Thank you.
|
| 01/24/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I purchased a XXXX XXXX and accessories from XXXX. The accessories were received, but the XXXX XXXX was never received. I followed up with customer service at XXXX who claimed to make a request to the warehouse. The response after several days was " Sorry for the delivery delay of your order, we will check this issue with our relevant colleague and get back to you as soon as possible. '' On XX/XX/XXXX I reached out to PayPal Credit ( Synchrony Bank ) to dispute the charge for the XXXX XXXX of {$130.00}. I followed their procedures to file a complaint. Upon receiving my documentation, the charge was initially removed upon further investigation.
On XX/XX/XXXX I received a message from PayPay Credit stating, " We located the sales receipt ( s ) in question and/or received additional documentation from the merchant indicating the charge ( s ) in question is valid. After reviewing the documentation, the sales transaction ( s ) appear to be authorized by and/or received by you or an authorized user of the account and we have removed the temporary credit. Please refer to your next billing statement for your balance and payment due date. '' I never disputed that the charges were unauthorized, my complaint was that the item was never delivered.
On XX/XX/XXXX I followed up with PayPal Credit stating that I never disputed the legitimacy of the charges and again stated that the XXXX XXXX was never delivered. On XX/XX/XXXX they responded with the following : " We have completed our review of your dispute claim on your PayPal Credit account.
We have received documentation from the merchant regarding the disputed transaction ( s ). The documentation is enclosed for your review. Based on this information, credit will not be issued at this time for the following reason ( s ) : Our records indicate that the service or merchandise was received by you and delivery was confirmed. '' While the accessories were delivered, the XXXX XXXX was never delivered and even in their evidence of delivery, the tracking status is " IN_TRANSIT ''. If you use the tracking number to check with XXXX it indicates a similar status- upon further review it appears that the item never even got to XXXX.
Compared to other credit card companies, I've never experienced such a convoluted and arcane process for resolving a dispute. XXXX XXXX, XXXX and XXXX have resolved similar situations in minutes with a simple phone call. I seems like an enormous waste of time for the company and the customer for a relatively small charge.
|
| 11/29/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
When I originally opened this account, my due date was set before I ever received and electronic or physical information to create an online profile. When I did get my account information, I already had a late fee. I had to work with them to get this waived and adjusted.
6 months later my primary bank replaces all my debit cards for a information security breach and effecting this payment. I called to correct the issue but now it was to be processed 1 day " late '' because an EFT takes 3 business days for them to credit you account, causing it to be a day late and they were going to add a fee again. Once again had to get an exception for something out of my control.
Today I received a collection call at XXXX am local time from them for a amount due yesterday. I tried accessing my account online and had to reset my password. It locked me out and I could not get anyone via phone to make payment due yesterday ( Sunday ) after holding 2 hours. Once again late fees were assessed and they refused to waive them because since I had already been waived fees. Not only was I not provided a regular account manager/agent, I was sent to a collections department.
This is a 0 % financing dealing and as soon a you are " late '' they get to charge interest on the whole financed amount. They are intentionally making it difficult to make payments, get a hold of them, or remedy any situation not caused by yourself ahead of time on time in order to create false breaches in contract language in order to start charging interest and fees.
If you set up auto pay they take the money several days prior to the due date. They are playing a float and games in order to profit unfairly. They also violating Fair Credit and Collection Practices by frequently calling ( several times in a day at my work ), calling before and after acceptable times on amounts less than 24 hours past their date. It requires a formal letter to put me on a do not call list.
I paid this account off in full immediately, but once again it requires formal letters or online access, social security numbers, etc to close the account. The account they had pulled up and were looking at to collect! Ironically they could not provide me a written, emailed or texted confirmation of payment and was told to wait for may monthly statement.
This bank if not consumer friendly and is praying on people with easy approvals and high fees and interest charges with predatory lending practices created so you will violate their terms to maximize these fees and charges.
|
| 06/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
Patient XXXX XXXX Complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX My appointment was for XXXX XXXX XXXX. After four hours and being charged over four thousand dollars I was told to come back when crowns arrive in two or three weeks. XXXX XXXX was the next appointment date.
XXXX XXXX after XXXX I was emailed by XXXX XXXX to reschedule appointment due to XXXX not arriving in time. I already was scheduled off work.
XX/XX/2022 I came into XXXX XXXX to have XXXX placed on and temporary XXXX taken off. After the dental assistant removed them XXXX XXXX XXXX XXXX said one tooth was cracked and needs to be extracted. I said so you all cracked my tooth, he immediately took defense when I said check your X-rays, there was no cracked tooth before XXXX XXXX. Nothing was done I was told to speak with office manager and at that time I was walked to front office to speak with office manager, she prepared a print out of the refund for {$1900.00}. She said I will need to go to a different location to have tooth pulled, and balance from tooth extraction will reflect on refund to care credit card. She said I will need dental implant costing XXXX or XXXX XXXX dollars. XX/XX/2022 she booked appointment for me to have tooth pulled at XXXX location. I did not have my tooth pulled, not at my expense.
XX/XX/2022 I came back into sage dental to have XXXX XXXX put on the successful XXXX XXXX tooth. Nothing was updated on my account for refund.
Two weeks after that I contacted XXXX XXXX and I was told by front desk staff I will not receive refund if I do not get tooth pulled by XXXX XXXX. They can not force me to receive services from them. Another two weeks went by and the front desk staff told me that corporate will give me back {$800.00}. I refused that offer because Im owed {$1900.00}. Another two weeks went by and front desk staff told me corporate will give me back half. I refused that offer because Im owed {$1900.00}. I started taking legal action, reporting sage dental to XXXX XXXX XXXX XXXX.
XX/XX/2022 I was emailed saying corporate approved full refund for {$1900.00} if I sign release waiver. I refused offer to sign and release waivers because Im owed {$1900.00} period, due to their negligence for faulty failed root canal they owe me to have tooth pulled, they owe me for dental implant and all further dental expenses. XX/XX/2022 front desk staff called to tell me corporate decided to pay {$800.00} unless I signed waiver.
|
| 06/02/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
For months now, I have made payments to my PayPal Credit account with a PAYMENT REALLOCATION request. That is, my total balance consists of several charges made under the " EASY PAY '' ( which allow for 12, 18 or 24 months repayment without interest ), or " DEFERRED INTEREST PURCHASES '' ( which typically give me 6 months to payoff the balance interest free ). Naturally, my intention is to pay the balances with shorter repayment period first. So, when I make my payments, I specifically ask for a PAYMENT ALLOCATION, that is, for a portion of my payment to be applied to the EASY PAY balances ( this would be a REQUIRED MINIMUM payment ), and the balance ( this is not required, but I pay EXTRA each month to help pay these balances off before interest starts accruing ) to be applied to DEFERRED interest balances.
Each month, my payments are inevitable MISAPPLIED. They are being FULLY credited completely to my lower APR or EASY PAY balances! Each month, I call 7-10 times, explain my situation, and spend at least an hour on the phone! I am told that " a ticket is created for this case '' and that someone in some back office has to go in and manually change the payment for it to be applied as intended. It takes many calls, but the payments eventually get reallocated somewhat correctly ( not 100 % as I requested, but close enough to where it is not worth spending hours on the phone again ).
Now, since businesses have been operating remotely, the situation has gotten A LOT worse! My last two payments have been misapplied, and I CAN NOT get any help from anyone! I spoke to " representatives '', " account managers '' and " supervisors '' ... ALL TO NO AVAIL! They all sound like parrots, repeating the same lines each time : " we are sorry for inconvenience '', " your case is being forwarded to the proper department '', it can take 1-2 billing cycles for your account to be adjusted '', and on, and on, and on ....
I just got off the phone ( 1 hour & 25 minutes total! ) with a supervisor ( XXXX ID # XXXX ), who assured me for the 3rd time that " they are working as hard as possible to resolve these issues ''. I have a huge list of names, employee ID numbers and dates of all the people I have spoken with over the last nine months! I will be more than happy to provide this information, if needed. I just can not spend hours on the phone anymore, and now filing complaints! This is inexcusable! The amount of internet aggrievances posted against this company are staggering! Someone needs to hear US!!!
PLEASE HELP!
|
| 06/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX, I noticed a collection on my credit report. The collection agency isXX/XX/XXXX. I have already dealt with identity fraud and stressed out to even open the mail. It is like nothing I do will correct this. Contacted company XX/XX/XXXX. Even though I paid the amount requested, called to find out there was no remaining balance, only interest, and late fees accruing on the interest. Talked to XXXX XXXX. She was rude, would not tell me any balances. She finally told me I did pay the balance, but I did not pay it in time. I remember talking to someone to tell them I was paying the balance. It was around {$300.00} or something like that. Why would I pay a {$300.00} balance if it were not on the statement or I was told that was the balance. In the middle of the call, a man named XXXX got on the phone, said he was supervisor. He was unethical, refusing to allow me to speak, even though I called them. I even offered to pay the {$50.00} " supposed balance, '' which I do not believe, and he refused to negotiate, even though this was already on my credit report, so I had nothing to gain. At first he refused to tell me if the balance was only for interest and late fees. He kept arguing with me, telling me it was all my fault for being irresponsible, totally inappropriate, giving scenarios of how homeowners credit worked? He said there was a balance of {$50.00} ; in XXXX accrued late fees of {$40.00} ; XX/XX/XXXX, accrued {$38.00} late fees, {$2.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$3.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XXXX {$38.00} late fees, {$5.00} interest ; XX/XX/XXXX late fees, and then they stopped the interest and late fees. He refused to give me the date I paid it off, refused to answer question of whether this amount owed is only interest. Brought up scenarios about owning a house, had nothing to do with bilXXXX. He could have negotiated this, but instead he kept arguing with me, not any way to collect a debt I have ever heard of. I do not believe him, I think the balance was paid in full and he was just trying to collect more interest and late fees. The whole thing is frustrating and stressful. I was trying to make it right, but he was just being ridiculous. I am a grandmother raising my grandchild and we have had some pretty tough times, but this man was totally unprofessional and he did not in any way even remotely try to come to any reasonable settlement, even though I already paid the balance. This is so unfair.
|
| 08/17/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
On XX/XX/2020 I downloaded the Belk.com app on my cell phone to make making payments more convenient. When I entered my information the app told me what I entered was invalid. I knew it was not because I use the same information to log into the website both on my phone and on my laptop. I clicked the 'forgot user name/ password ' option and the app asked me for my name and phone number. When I provided JUST my name and phone numnber, the app immediately logged me in and informed me that I have been approved for a Mastercard. I DID NOT apply for a new credit card.
I am in the middle of refinancing my home and know not to open any new accounts, only pay off what I have. I tried to contact Belk Reward Credit Services at XXXX and the representative I spoke with informed me that I purposefully applied for the account because I would have had to put in a Social Security Number in order to apply. I told the customer service representative I never applied for the card, I already have a Belk credit card, and I do not want another credit card due to my pending mortgage refinance. I told the representative I wanted to cancel the card to which she informed me my credit would be effected negatively again for closing the account. The representative tried to tell me all of the perks of having this new MasterCard version of the Belk card, but I told her I was not interested so I ended the call with no solution. Since I was in the Belk store at that time I found and spoke to a manager in the department store and was told that the Belk MasterCard is pre-programmed to approve current customers without the customers approval or their knowledge until it has already been processed. The manager also informed me that the new Belk MasterCard is supposed to automatically replace any existing Belk credit cards unless the customer calls in and specifically requests this action not take place.
The Belk card I currently have can only be used in a Belk department store or on the Belk.com website where as the new Belk MasterCard can not only be used in any Belk department store and Belk.com, but anywhere MasterCard is accepted. I DO NOT want this credit card, I never requested a new card of any kind. This was a very deceitful action made by both Belk and MasterCard to their customers. Other customers also need to be made aware of this issue so this does not happen to others.
I would like the Belk MasterCard to be taken off my credit entirely and my score restored to what it was before the inquiry, as if it never happened.
|
| 10/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
In XX/XX/2021 there was attempted fraud on my bank account, so I had to close it and I opened a new account with the same bank. The bank honored my auto payment obligations while I notified the credit cards of the changes in my account number. I evidently neglected to notify Care Credit of the change. When I received a call on XX/XX/2021 notifying me that my auto payment didnt go through, I gave them my new banking account information and made the payment of the full amount ( {$1300.00} ) using my new debit card.
Somehow, Care Credit claimed they didnt receive my payment although my bank account showed they did. They required that I prove it, and I did. I sent them a fax with the form my bank gave me to prove payment. They acknowledged their mistake and I thought that was over. Then, my next payment of {$1400.00} did not go through and I called to see why. The agent had transposed the numbers in my bank account, so the payment didn't go through. I corrected their mistake and had them read it back to me to make sure they had it correct. Then they processed my payment.
I tried to use my Sams Club credit card and it was declined. I had already seen that my Care Credit card had been canceled and I thought the agent had misunderstood me and cancelled it in error. I was told that the Sams Club card was cancelled due to fraud on the account.
My Care Credit statement showed interest charges and a late fee on it. I called and they reversed these charges. But, they told me my card had been canceled due to attempting to pay with a closed account. I have always paid my balances on time. I have done quite a lot of business with Sams Club and Care Credit. I have spent hours on the phone with my bank, with Care Credit reps and having to fax a document to prove your company mishandled the funds they collected on XX/XX/2021.
It turns out Synchrony also handled my Lowes credit card. So they cancelled all three of my accounts. The reason was : dishonored payments on accounts with Synchrony Bank. So, I lost all my reward points on my Sam 's and Care Credit cards. This caused a financial loss.
I have already sent them a letter dated XX/XX/2021 requesting they correct their error. Today I was read a statement they issued and filed with my account dated XX/XX/2021 that they stand my their decision. I imagine I will get a copy of this letter from them stating this.
I called to confirm they have the correct banking information for my final payment to Care Credit, but I am nervous that it will get mishandled again.
|
| 08/12/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I made several purchases on my PayPal account in XX/XX/XXXX. I went on and checked my previous statement balance, which was {$770.00}. The additional purchases in XX/XX/XXXXadded up to {$1000.00}. The total came of purchases plus previous statement balance came out to {$1800.00}. I made a payment of {$1400.00}. It left a balance of {$390.00}. The {$390.00} was the balance remaining for two promotional purchases I made after I paid XXXX. I then look on the next statement and realize I have {$390.00} standard interest charges. I knew that I had not made any non-promotional purchases after I made my purchase and that was the exact amount of the two purchases I made under promotional terms {$100.00} + {$280.00}. I called customer service and was expecting them to see the error and fix it. When I talked to a supervisor they started stumbling around their stories and stated that their system did not recognize me making an early payment so they applied it in a sequence order of what was purchased first. However, their explanation made no sense because in sequence order would have paid {$640.00} of standard purchases and promotional purchases that were purchased prior to the {$390.00} of promotional purchases. Their system should apply any payment to the earliest purchase, not the interest free purchases first and that is exactly what happened in this case. They attempted to rationalize it and there was no way to rationalize what happened. I am wondering how many of billions of people have been impacted by this shady and deceptive billing practice. Paypal is applying payments to promotional purchases first in order to lengthen the time they are charging for standard interest. Here is only one of the SCAMs they are running, turns out in-spite of selecting the no-interest option, they posted it as a regular credit payment and start charging 19.99 % interest. Now you might say, perhaps I made a mistake, except for the fact that I specifically chose the no-interest option as it was the primary motivator for my two purchases. The mistake I made was not closely looking at my statements, as I would have realized much sooner that I was being charged interest. I am sure I am not the only one experiencing this. I am willing to provide copies of statements but since it said not to include any account information or personal information I did not attach it. It is very clear to see that what they did was deceptive. I also read thousands of blogs and complaints online from people who experienced the same issue I did.
|
| 07/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
When I purchased furniture from Ashleys XXXX XXXX in XXXX Mississippi on XX/XX/2022, the store clerk incorrectly entered my information from my paperwork and instead put the details for my mother, XXXX XXXX ( not XXXX XXXX as her account information shows ) who already had an Ashleys account and bought something the same day. I noticed the error and asked the clerk to correct the details. Somehow, the error remained, and it has caused a massive amount of trouble for me and her.
The furniture was not delivered for several weeks until XX/XX/XXXX, because the delivery address was to my mothers home in XXXX, Mississippi and not my own in XXXX, Mississippi, and the contact number was her cell phone instead of my own. I called Ashleys to discuss the correct delivery address and they were unable to fix it. I offered to pick it up from the store instead and they were unable to change the delivery method. I suppose the person I spoke to corrected the delivery address because my mother started receiving texts asking when to deliver the furniture to my correct address, and she ( luckily for me ) filled it out so that it would be sent to my home. This issue was a multi-week stressor and I was happy to have it behind me. My mother, my spouse and I thought the sole issue was the delivery address and contact information, but that was not the case.
My mother, XXXX XXXX received a credit card from Ashleys XXXX XXXX for which she did not apply. We realized that her information must have been used instead of mine for the purchase, despite my correction at the store. I called the Ashleys store and was told they could not help ; I called XXXX XXXX and was told they did not hold my account ; I spoke with someone at Synchrony who said that it was her name and contact information with my social security number, they could not fix the problem over the phone, and I would have to send a letter to Synchrony explaining the issue. I immediately sent such a letter.
I tried to pay the minimum fee online but was unable to because I did not have the account number, because the only documentation I had was from the store on the day of the purchase. I eventually, in XXXX, received a bill with the account number and was able to pay the first balance, with accrued late fees.
wrote two letters to Synchrony explaining the issue. The first received a nonresponsive letter and I received no response from the second. I sent them copies of the sales order, delivery ticket, letter from Customer Service Department, and credit card
|
| 06/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I made contact with Synchrony Bank in Early XXXX about a recent credit limit REDUCTION on my PayPal Credit Mastercard as well as my PayPal Credit Account. This comes after the Coronavirus COVID-19 outbreak occurred. I have multiple other credit accounts with other banks ( 2 with XXXX, 2 with XXXX XXXX XXXX, 1 XXXX XXXX, 2 with XXXX XXXX, etc. ), and NONE of them have lowered my credit limits during the Coronavirus COVID-19 outbreak.
I've actually made some headway and paid off some cards earning some extra money. So, to my surprise this was happening after reports had come out in the media that some banks, including Synchrony are lowering people 's credit limits with the shutdown continuing. I am still full-time employed as I am deemed essential personnel working in the telecommunications industry.
So when I received notification from running my credit report that this had happened, I reached out to Synchrony Bank about this. Their response was " we run every customer 's credit every month and make decisions about credit limits ''. I said, nothing has changed in mine, I pull mine every month myself to keep my eyes on it after having an identity theft situation a few years ago with the IRS.
I told them I wanted to file a challenge/complaint to it. They took my information and said they'd get back to me, but the associate on the phone with Synchrony ( after being hung up on once for not accepting what they were telling me when I was asking for a supervisor ), said " We can do whatever we want ''.
I received a letter saying that their decision stands. My credit limit was cut as follows : PayPal Mastercard : {$1000.00} ( card was free and clear ) down to {$100.00}, and {$950.00} PayPal Credit down to {$590.00} ( which was close to what I had on it, making the card maxed out ).
This negatively impacted my credit score showing that I had the reduction in addition to the cards about maxed out with these limits significantly reduced.
I have never had a credit reduction in my life. This is the first. And this was not done until we were 1.5 months into the Coroavirus COVID-19 quarantines. Even after I explained the situation and my situation and told Synchrony Bank that they are using the Coronavirus COVID-19 outbreak as an excuse to do this since this has never been done before and I have had these lines of credit for multiple years, the lines were reduced.
They need to restore the credit I had before and not abuse their power to consumers during a pandemic situation to save themselves.
|
| 01/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was approved for three separate loans from this company to finance the dentist charges and All three debts Are Paid off In Full** This company makes monies by charging fees and or interests rates on loans Not Paid on their due Dates which I was and am Fully aware -so as not to incur any additional charges I inquired several times ( contacting this company ) of the third and last loan in Order to pay either on time Or in advance : I was told which dates to pay and complied ( BY PAYING ON THE DATES OF LOAN APPROVAL ) Also this company allows either 18 mos. to pay off Loans or One Yr. -I chose the One year plan in order to complete this transaction ASAP** Well after the loan was paid off ( 1-Year later ) I got charged late fees.. I contacted the company right away inquiring WHY? and was told it was due to late payments which I never received notices beforehand of such ridiculous tactics especially after paying All Three loans off in due season*** I could have easily re-adjusted the dates had I known or was warned beforehand** Each time of my complaint I was told they would forward my issue/complaint to the Sub-committe//Examining board for Review but each time NO feedback after 30 days explaining the unfortunate error* HOWEVER I Still received mailing of increased Amounts due***<><>< I will enclose messages of the conversation and summaries of the results each time Ive spoked with the Supervisor ( XXXX ) and Representative ( XXXX ) including Dates************************** ******************************** I TT W ITH A SUPV ( XX/XX/2019 ' ) NAMED XXXX WITH SYNCHRONCY BANK ABOUT LATE/INTEREST FEES THAT'S NOT DUE ON MY ACCT. @ THE BANK KEPT CHANGING DUE DATES WHICH I SUPPER IMPOSED IN ORDER NOT TO HAVE A LATE FEE FOR A YEAR. AND IN FACT I ACTUALLY PAID THE AMT DUE IN A YEAR VS. 18MO 'S OF THEIR INTEREEST FREE CARE CREDIT -I PD. THE AMT IN A YEAR. VS. 18MOS -THEREFORE THIS GOT TRF TO A COMPLAINT COMMITTEE-SHE SAID IT COULD TAKE UP TO A YEAR. *** I'M NOT TO BE C HARGED INT. ON THE SUPPOSEDLY BAL WHILE IN THE COMPLAINT COMMITTEE. -- WHAT'S THE RESULT**MY FIRST REP I TT WITH WAS XXXX WHO ASKED IF F I PAID {$84.00} HOW WOULD THAT SATIFY ME* XXXX SAID IF I PAID {$59.00} IT WOULD BRING IT DOWN TO {$180.00} AND SHE WOULD CANCELL THE DIFFERENCE FROM {$240.00} TO $ XXXX CALLED AND SPOKE WITH XXXX @ CARE CREDIT XX/XX/2019 ' THURS * @ XXXX AND SHE STATED SHE WOULD REFILE THE COMPLAINT AND THE PHONE DROPPED* SHE SAID SHE UNDERSTAND THECOMPLAINT TO BE '' I DON'T OWE A BAL. SINCE ALL HAS BEEN PAID OFF**><><>
|
| 06/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Older American |
|
I XXXX XXXX bought some furniture at XXXX furniture store in XXXX XXXXXXXX I applied for credit and was approved for a {$6500.00} line of credit I bought the furniture on that credit line .... Then I paid my account off within XXXX days, since that purchase I had applied for a care credit card and been approved for that as well it was a {$9000.00} credit card limit of which I put XXXX or {$8000.00} on at my plastic surgeons office and paid that off again within XXXX or XXXX days. I then applied at XXXX 's jewelry store and they gave me a {$2700.00} credit limit of which I have not yet used... All of the sudden XXXX day I was contacted by synchrony Bank via email and told that my credit limit at XXXX was being reduced because I had not used it in XXXX or XXXX months. I then called up synchrony Bank and said if you're not going to keep my credit limit at {$6000.00} or XXXX there's nothing I can really buy at XXXX XXXX for {$250.00} so they might as well just close that account it would do me no good, to which I was told if you make us close this account you will never be allowed to get a XXXX XXXX card again despite having credit scores in the high XXXX and being on my job for more than XXXX years and making over {$100000.00} a year... To which I replied that would be okay that they should still go ahead and close my XXXX XXXX credit card. They closed the XXXX credit card ... Little did I know, an unbeknownst to me they also forced closed my CareCredit account which they had just approved XXXX days earlier for an {$11000.00} credit limit then they also force closed my XXXX 's jewelry account which I had yet to put anything on... All of these actions were taken to spite me for closing my XXXX credit card acct. I believe, this is not only unfair but an unfair credit practice to force close accounts that you were not asked to close that were in good standing with XXXX balances and had been paid off just recently. After calling synchrony Bank several times and the phone numbers on the back of my Care credit Card and my reads jewelry card I was told there was nothing they could do that the account had been forced by synchrony Bank and that I should contact them directly I tried repeatedly to reach them to resolve this issue but no one would help me. I pray that someone from CFPB CAN HOLD THESE PEOPLE ACCOUNTABLE FOR THEIR XXXX XXXX LIKE BEHAVIOR, I NEVER ASKED THEM TO CLOSE MY CARECREDIT ACCOUNT NOR DID I ASK THEM TO CLOSE MY XXXX 'S JEWELERS ACCOUNT. This behavior is a very unfair business practice.
|
| 09/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
I co-signed for a Motorcycle bike loan in XX/XX/XXXX, with my son in law, which was paid in full on XX/XX/XXXX. At the end of XX/XX/XXXX, we received the Notarized Lien, a satisfaction letter and the original bank loan papers stamped PAID from the bank. However, in XX/XX/XXXX, I tried to get a loan to help my brother purchase a home and when the credit report came back I was informed that Synchrony Bank/XXXX had been reporting that the loan was been reported as late since XX/XX/XXXX thru XX/XX/XXXX and then as a charge off which is still being reported as of today the same way. I have contacted 2 times since XX/XX/XXXX, the first time I spoke to a Manager named XXXX and I explained the situation at which point to proceed to tell me that apparently the amount of {$940.00} was some type of interest owed. I asked her Why is it that we are finding out this information now and not before you decided to send wrong information to the Credit bureau? She said that someone had called which was a lie because when I asked her to tell me when someone called she said they could not tell me because nobody noted the account. Fine, I said. Then, I said, we were willing to PAY THEM AGAIN for something that was already paid but we would need them to send me a letter stating that they would erase the wrong information from the Credit report because it was damaging and I have worked too hard over the years to have good credit in case I needed to use it to send my kids to college. I explained to her that I had in my possession the documents I described above and she said to fax them to her and gave me a fax number. Not 10 minutes had passed when she called me back saying not to bother sending the documents and that she was prepared to take the money from me but it would have to be a debit transaction and that they would not change any information in the credit report because they didnt have the power to do so. I told her that I was going to consult a lawyer and ended the conversation. I then proceeded to dispute the information with the Credit bureaus. XXXX erased the information in XX/XX/XXXX but I entered a dispute with XXXX in XX/XX/XXXX and the most recent one in XX/XX/XXXX and both times were denied from erasing the information. This situation is adding more stress and aggravating my XXXX diagnosis these past 6 months. How can people so this and get away with this? If they want money, again, we are willing to give it to them but they need to admit their mistake and erase the wrong information from our files.
|
| 05/30/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Application for Lowes Advantage credit card, was denied, and company will not give reason.
I applied online for the card on XX/XX/2023, denied credit card. I called on the day of the application, and would not be told of the reason, but was told I would receive an email and USPS mail giving the reason within 7-10 business days.
Was sent an email ( XX/XX/2023 ) that said I was denied credit. The email had a link that can be clicked to find reason. The email does not have any phone contact information in it ( only address of credit card company ). It says " Thank you for your recent XXXX 'S credit request. Please click the link below to view our response to your credit request via our secure site. '' The link goes to the following website : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clicked on link, which went to a web page that asked for 4 questions to be answered.
1 ) Reference Number 2 ) Last 4 digits of your social security number 3 ) Zip Code 4 ) Date of birth. After entering the information, I get the following error message : " The information you provided does not match our records. Please use your browser 's back button to try again. ".
When this failed, I called the credit card company and request a reason for denial. They said that I would receive a letter in 7-10 business days and that they could not give any information over the phone. I never received a letter.
I called again on XX/XX/2023 XXXX. I asked for reason, they would not tell me over the phone. He suggested I re-apply. I told him I did not want the card any more, I want to find out reason for denial. He refused to tell me anything on the phone. I asked if he could give me details on the application ( to see if I did a typo ). He was willing to verify the mail address, but refused to give any other information on the credit application.
He said he has requested to resend the letter, and I should receive it in 7-10 business days. I read that the company is required to give the reason if requested within 60 days. I am filing a complaint ( instead of waiting another 7-10 business days ) because every time I call, they say wait another 7-10 business days. I've waited for over a month, so I am now submitting this complaint.
Because they continue to refuse to give me any information, I do not know why I was denied credit, whether is was something in my credit report, or if it was something in the application itself, such as a typo or missing zeros in the submitted gross wages.
|
| 06/03/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
For the second time in 6 months I have had XXXX XXXX close an account that was in good standing with a low or XXXX balance. This not only has a negative affect on my credit report it is also INFURIATING in the event that I need to use the account.
The Lowes account was the first one - they lowered my credit line from XXXX to XXXX which at the time was only XXXX over my balance dropping my score 70 points and causing an issue with the purchase of my home.
The next instance is with my XXXX 's account which had a XXXX limit and NO balance. They closed this and never even notified me. I fond out when I logged in to pay on another account.
There is NO reason to close off my account without any reasonable explanation or notice. The Lowes account " excuse '' was that there was a change in my credit profile. The only change at the time was that I shopped for a mortgage loan. That should not affect my existing lines of credit The XXXX 's incident I am told is because there was no activity on the account. Because I don't buy furniture every day there would be no ongoing activity on the account HOWEVER having the account open and in good standing is a POSITIVE thing on someone's credit. NOW because the COMPANY closed the account it will have a VERY negative impact on my credit.
I want an account reopened at the credit limit of XXXX with NO credit pull and NO negative impact to my score. The closed account will need to have the reporting corrected so as not to show that the company closed it - it needs to read account number transferred. Additionally I have a Care Credit account which I keep for medical emergencies - I would like this and any other account with Synchrony protected from closure. I would hate to get to an emergency room and find out they closed another account.
The customer service person told me he was not able to open a new account or transfer my account to a new number. As far as my Care Credit account which I use for MEDICAL EMERGENCIES - he stated that I need to use the card by XX/XX/XXXX or I run the risk of that too being closed. If I have a medical emergency and I need the card apparently I will find out when I get there? He said " basically yes that is correct '' then I asked him so I have to have a medical emergency in the next 6 months? He said " technically yes '' THIS IS TOTALLY AGAINST THE FAIR CREDIT REPORTING ACT.
The supervisor 's name I spoke with in XXXX XXXX XXXX # XXXX the other XXXX I spoke to was " XXXX XXXX '' who did not provide his associate number.
|
| 12/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I am a XXXX American Veteran with protective status with service connected hearing loss off over XXXX XXXX. I filled out an online application and received a CC from Synchrony bank ; When I received my statement it was full of late fees or fines that i did not understand would be assessed. I did not read the fine print shame on me, but to correct my error i am fined again I guess they run this scam I am particularly vulnerable do to my hearing loss. I attempted to contact synchrony but was informed it was a XXXX dollar fee to speak with Customer Service if a company can not afford to pay for adequate service is not a company I fill the need to do business. I immediatly canceled the card. I guess they are continuing to charge my card without my authorization. but to pay off my card and dispute any charges is XXXX dollars. I would like to pay off this balance and never do business with this obviously predatory lending agency again. I am finacial secure and can take this as a Leason learned Maybe its me but paying someone to use my own money seems like extortion. I have attempted several times to contact synchrony credit services I am charged {$10.00} dollars to speak with a customer care reprehensive and because i have trouble understanding they charge me XXXX dollars to my CC and hang-up. I guess this is my fault for being so naive to believe that a company is not required to make reasonable compensation to adjust to my XXXX. I have chosen not to do business with these people and used an automated system to close the account. The issue is that the synchrony has not only refused to honor their reward system but also is requiring me to pay XXXX dollars to just pay my bill that is {$510.00} plus late fee and other charges I can not dispute. currently I am at {$60.00} in late fines, that i am being charged interest on. I guess I am old and stupid and do not understand a business this odd business model, but synchrony can run their anyway they chose I would just like the opportunity to be free of any business dealings and encourage others to stop accepting this because some lobbyist group pasted legislation to make this legal. If someone mugged me of XXXX dollars I could call the police but a company can just charge me any amount and I have to except it without anyway to dispute. I would like to settle with this organization, but they only seem to have virtual agents that just are worthless for someone with my severity of hearing loss. and why should I be FINED for errors that Synchrony has made.
|
| 10/23/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
This incident happened today XX/XX/2020 at TJMaxx XXXX Branch - at XXXX XXXX. / Cashier register n. XXXX.
I applied for the TJMax Mastercard Rewards Card, and it was the XXXX experience ever!!
1. During the application I noticed that the Cashier/Store Associate had put a wrong address for me.. I told her it's the wrong address - she said It was ok and I could change it later using the number in the bottom of the reciept.
The store manager confirmed what the associate said and addes that as long as I change it today it will not affect anything.
2. After I went out of the store I called the number for Card Customer Service. On the phone, I stated I just opened an account and would like to change the address to get the card mailed to the right address. The Customer Service associate I had over the phone attempted to
send me an authentication code to my phone that is on file - she failed. The phone number on file is a wrong one, probabely a non working number.
3. Associate said she could not correct my address at this time and I should go online to upload more documents to verify my identity. At that point I was really frustrated! I asked the associate over the phone to close the account. She did. Then I asked to make the payoff of the current balance, she transferred me to Customer Service.
4.The Customer Service associate was not able to proceed with the payment as all the information on the file are wrong! She could not proceed with the verification of my identity!
5. I called the Store Manager to ask for a solution, either they correct my information on the system or get me the wrong information they submitted so I could at least verify my identity to the Card Customer Service number. 6. The store manager couldn't be more unhelpful. First she said there was nothing at her end to do to help me and that I have to call the Card Customer Service and get that fixed. I said so your associate
messes with my Identity and social security number and then I have to correct her mistakes? She answered firmely " Yes! '' - Very cold, very unhelpful, not showing the slightest sign of courtsey! She insisted that I should try to fix everything with the Customer Service Number.
At this point I could not believe this was happening to me!
I am really frustrated. I have an account that has my social number, I do not have which phone number or address it is associated to!
I attempted to make a payment, the customer service associate could not proceed with it because She could not verify my information!
|
| 12/25/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Hello im am writing to get assistance resolving a charge dispute for the amount of {$820.00} to my synchrony XXXX credit card. The amount reflect the cost of XXXX XXXX XXXX XXXX purchased through XXXX via a second party vendor XXXX XXXX XXXX The charge is in error due because the items weren't delivered nor received.
I was tracking this purchase via XXXX website in order to make sure I was home when delivered, On the day of expected delivery XXXX a message was posted that the delivery was delayed and expected on XXXX. Next day XXXX I received a notification that it was delivered after midnight. After looking around my property there was no package and also checking my security camera during the time frame of so call delivery I was convinced it must have been an error message. I immediately contacted XXXX via the website chat on the afternoon of XXXX. At first they emailed the refund department to check on the return and issued me a refund.. After no resolution in their part I reached out again to XXXX and was told to contact the seller because it appears that the items was delivered, I contacted the seller and he advised me that the refund was issued on XXXX to XXXX. Once again I contacted XXXX via chat and advised the that the seller issued the refund on XXXX in which they directed me to contact Synchrony bank and open a charge back dispute due to the fact I bought the items with my XXXX credit card. After contacting synchrony and opening a charge back dispute they concluded that im responsible for the charges because it states that the item was delivered. I sent them documents showing the sellers response writing that a refund was issued in the full amount and gave them access to my chats with XXXX but again they closed the dispute saying the item was delivered. According to synchrony because the item is labeled delivered they can not issue the credit. I tried to have XXXX and synchrony and the seller communicate with each other and resolve this issue but have no luck. This should be an easy resolution the seller admits the refund was issued I don't know what the issue is I sent every document concerning this to all parties. I even sent bank statement and XXXX receipt to show I repurchase the same set tire via XXXX ..This is pretty much my last resort to resolving this matter I've been dealing with this for 6 months I will include all documents sent to XXXX and synchrony with this complain and will await any emails concerning or requesting more documents from me..
Thank you XXXX XXXX
|
| 05/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, I placed an order to install customized drapery for my home with XXXX XXXX, decorator for JCPenny. I signed the contract and the drapery was to be installed within 8 weeks.
After waiting for more than 19 weeks, I was appalled that the wrong drapery style was installed. After the installation I showed the contractor the style I and the decorator agreed on, he said that is different style. He said he will contact XXXX, the decorator. The same day I texted a picture of the newly installed drapery with the style I ordered to see the difference ( see attachment ). The difference is obvious. At first she was trying to convince me that it is the same style. The same day I emailed the store manager about the issue. She emailed me the next day and said the she will look into the issue. On Friday XX/XX/XXXX, XXXX came to my home to see the installation ; She saw that the wrong style was installed. She said she would email her supervisor to see what the next step will be.
On XX/XX/XXXX she called me and said that she will not redo the installation. I will have to pay for a new order in full and she would give me 50 percent off on the previous order ( The wrong style ).. This means I wont get reimbursed for the wrong style that was installed. I would have to pay in full for a new order, and then she will give me 50 percent off on the wrong order, which was her fault.
Since they refused to help, i disputed the charge with their Credit card ( XXXX XXXX ). Unfortunately they did not try to resolve the dispute. Instead they sent me a letter after about 2 months stating that " Special order items are charged at the time the order is placed is placed rather than when it is delivered ". They used the wrong reason to deny my claim. The actual reason for the dispute was JCpenny failed to install the right drapery.
The text messages I exchanged with XXXX ( the decorator ), and the pictures of the style I was expecting, and the style installed showed that I was misled tremendously. The evidence for the case is overwhelming. I have attached pictures for the style installed, and the style I was expecting. I have also attached a copy of my email exchange with the store manager, and my text message exchanges with the decorator.
I had two decorators come to my home to check the installation. They both said it is not the same as the one XXXX agreed to order.
I am disputing a total charge of XXXX dollars posted on two occasions : XX/XX/XXXX and ; XX/XX/XXXX.
I have attached supporting documents
|
| 11/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Advertising
- Changes in terms from what was offered or advertised
|
|
Web |
Servicemember |
|
TO : Synchrony Bank XXXX XXXX XXXX CC : Comptroller of the Currency, Customer Assistance Group Consumer Federal Protection Board RE : Cash Back Program and lost check in the amount of {$250.00} Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX On XX/XX/XXXX, I inquired at my local XXXX XXXX XXXX in XXXX, GA, XXXX to my XXXX XXXX XXXX Cash Back check for XXXX. I was informed that the Cash Back checks were likely mailed in XX/XX/XXXX, and I was instructed to contact Synchrony Bank ( the Master Card and Cash Back Servicer ) as I had not received said check in the mail. I called Synchrony Bank and was initially advised that the check was mailed and cashed. I indicated that I had not received nor cashed the check and asked they confirm that the check was cashed. After a long wait on hold, the bank person said that the check was not cashed after all. However, it would not be re-issued since the expiration date of the check had passed. If I owed Synchrony {$250.00} and I mailed a check payment that got lost in the mail, they would demand that I send them another check.
I explained to the Synchrony representative that I was away from my residence and out of state during the whole month of XXXX and the first half of XXXX, having stayed in Colorado with mail on hold at the Post Office. When I returned home I was not aware that the Cash Back check had been mailed. It was not in our Hold Mail. Then in XXXX, my wife 's brother died in XXXX, IN, and we were required to attend to his estate matters and remained in XXXX. Consequently, we were gone from our Georgia residence and out of state for nearly five months. During that time, my monthly payments were made to Synchrony Bank automatically and without my review of the monthly statements since we did not have our mail forwarded to us and did not have Internet access at his address. Our Georgia neighbors collected our mail during our absence. Since our return in XXXX, I have been catching up on all my financial affairs.
I believe the response by both Synchrony Bank and XXXX XXXX XXXX is without goodwill and without effort to understand the issue that I have presented in this letter. As noted, the Cash Back check was never cashed, so I can only assume it was lost somewhere along the way during my absences from home. I have a spotless long-term history with XXXX XXXX XXXX and Synchrony Bank. This may end as I see no reason to continue a relationship that is not mutually beneficial.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
|
| 08/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Hello, I wish to file a complaint with the credit card company, GE Money Bank for harassment. I am not sure who to directly contact because the debt has been sold several times over the years. I am writing because I have been dealing with this issue since XXXX. I have stated several times in the past that I do not owe the debt but every time it is sold to another company the harassment starts again. About 3 years ago a representative showed up at my mother 's address looking for me, they have also shown up at my workplace looking to speak to me. Today ( XX/XX/XXXX ) I received a call while at work from a representative on behalf of the company asking me to verify my address because they are filing a legal complaint against me.
I confirmed my address and again explained to the representative I had been dealing with this for years and that it was not mine. I also stated " Statute of limitations in my state '' The representative then went on to explain how they legally have 15 years to try to collect from me. also stated that the company still has 5 years to try to collect on the debt for me. the representative then informed me that they were filing a legal complaint to put a lien on my house, and my paid-off vehicle, and to garnish my wages from my bank account. I then asked for information about the company so I could contact them once given the information the representative ended the call with " We will see you in court, have a nice day '' After going about my day I received a call from my ex who I no longer speak to informing me that he received a call from a debt collector, they left a voicemail on his phone about the debt. He sent me the recorded voicemail and on the phone, the same female representative was talking. The representative left a voicemail stating '' This message is for ( My full name ) how there's been a legal complaint filed against me, a reference number, and for me to call the number back.
To make matters worse I then received a phone call from my brother that he also received a phone call about the same debt. They were asking him to verify my address and when has he spoken to me because they were looking to file a legal complaint. This is embarrassing because this company should not be allowed to discuss the reason with my family members or ex. I have been harassed for several years now and I would like them to stop. I will not pay a debt that is not mine. This company has committed false claims against me by threatening to put a lien on my property and car. I
|
| 04/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, XXXX/Synchrony Bank improperly installed defective alleged water-resistant laminate flooring in three rooms of my home. Immediately after installation I noticed raised areas on the newly installed flooring which were very noticeable and unacceptable. I notified XXXX immediately via their Chat feature on their website. At this point I re-thought the my initial observations of the raised and warped areas on the new flooring. I had applied blue painters tape on top of all areas which appeared to be non-congruent with the rest of the flooring ; ie : the raised areas. As the days and weeks passed, I observed the slightly raised areas increasing in size in all directions. I noticed the areas where the boards were butted up against each other were becoming more pronounced and noticeable. By XX/XX/XXXX the raised and warped areas of the flooring had grown to a stage that I could no longer dismiss them so I contacted XXXX and explained the situation to them. XXXX sent an inspector out to look at the flooring in my home on XX/XX/XXXX. I believe his name was XXXX. XXXX agreed with me that the flooring looked warped and damaged and improperly installed in some areas. XXXX told me that rectifying these problems can take up to a year or more. I contacted the finance company, Synchrony Bank and advised them that there was a large problem with the flooring. All of the flooring. I told them that there was no part of the flooring that was any longer acceptable and that I was not going to pay one more penny for the flooring until the matter was resolved. I also told them that I wanted to have the entire flooring removed from my home and all of my money returned to me. XXXX advised me that I would still be charged interested and be obligated to pay for any portion of the flooring that was not in dispute. I explained to XXXX that the ENTIRE floor was in dispute and that no further payment would be made on the account and that, in fact, I wanted any money that I had already paid for the flooring returned to me in full. On XX/XX/XXXX, I received a phone call from a debt collector, XXXX XXXX, regarding this account. XXXX from XXXX conveyed to me that Synchrony Bank had turned my account over to a debt collection agency, therefore damaging my credit. Additionally, XXXX began charging late fees and ongoing interest against my account without my knowledge or permission and against our verbal and written agreement once the problem was discovered. They continue to take collection measures against me
|
| 03/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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On XX/XX/2019 I scheduled a payment request for the total balance of my Gap Visa credit card ( managed by Synchrony Bank ). I had taken an early withdrawal of my retirement funds to pay off all of my high interest outstanding debt. I had scheduled the payment of {$10000.00} to process on XX/XX/2019 to allow time for the funds to hit my bank account. When the funds were deposited a day earlier than expected, I tried to edit the payment so that it would process immediately. Their website did not allow any changes, so I cancelled the scheduled payment and then resubmitted a request to process immediately. The confirmation number for this cancellation was XXXX. The payment was processed on XXXX, which brought my balance to XXXX. However, the next day, XX/XX/XXXX, they still processed the cancelled payment, withdrawing an additional {$10000.00} from my account ( which required the bank to dip into my savings to avoid an overdraft ). When I called to report the error, they informed me that the soonest they could refund the amount of the overpayment was XX/XX/XXXX and they could only do it by paper check. I have since spoken to two supervisors and they both stand by that policy, even though they have no problem withdrawing my funds immediately through ACH. Given the slow pace of the mail, that means I will be nearly {$11000.00} poorer for almost 3 weeks, AND I run the risk of these funds being stolen or lost in the mail because of their policy of only distributing refunds via paper check. The only reason I even had that much money was because I made the difficult decision to pay tax penalties and early withdrawal penalties in order to eliminate my high-interest debt. I am not a wealthy person, and I can't really afford to wait 3 weeks to get my money back, though it appears that I will have to find a way to make that work somehow. There are a variety of problems with their policy that I do not think are fair or ethical, and they probably should not be legal. Why did they accept a 5-figure payment on an account with a XXXX balance? How is that they can take my money immediately, but can not return it in the same manner? Why is it that I have to pay penalties and interest if I fail to pay them back in a timely manner, but they can just keep my money as long as they want and I have to just bite the bullet and take it? I did also try to see if my bank ( XXXX XXXX XXXX XXXX ) could do something to address the issue, but they could not get the funds back once they had been transmitted to Synchrony.
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| 09/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Add-on products and services
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Web |
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I have been a CareCredit card holder for years. I got the card because it offered no interest installment payments ( 6 or 12-month durations ) for healthcare and dental services. I use the app to manage my account. Last year when I received a new card in the mail, I assumed that, like any other card, it was time for renewal, and in order to renew, I had to activate the account. When I activated the account late last year, I was already paying monthly for a XXXX XXXX I finished paying for that 12-month loan in XX/XX/2022. I used the card again on XXXX XXXX, 2022, to pay {$560.00} for some XXXX XXXX I called CareCredit on XXXX XXXX at XXXXXXXX XXXX to inquire as to whether that {$560.00} was on a 6-month or 12-month payment schedule. Usually, the default is 6 months. I was told by the representative that " unfortunately '' ( her words ), the card was used as a " Mastercard ''. I asked her how the card could be used as a Mastercard when it's not a Mastercard but a healthcare and dental credit card. She said that I activated it as a Mastercard when I received the new card in the mail. I told her that I was not aware that I was activating a Mastercard. I told her that it wasn't like they sent me two cards and said one is a Mastercard, and the other is the card you are used to. Instead, I received what looked like my regular CareCredit card. I told her I didn't need another credit card and would not have signed up for one if not tricked into activating a Mastercard instead of a no-interest healthcare and dental card. This tactic is similar to what XXXX XXXX was just accused of doing, except it is a lot more insidious. So CareCredit sent me a card that looked like my regular card in a renewal package that I had to activate, but instead, it was, by default, a high-interest Mastercard. If this was not meant to fool the customer into using a high-interest Mastercard that they thought was a no-interest healthcare and dental care, why is the default the high-interest Mastercard? I didn't tell the dental provider to make sure not to use the card as a Mastercard because I didn't know I had a Mastercard. The representative wouldn't let me get a word in edgewise. She talked over me. I told her that I was going to report them to the FTC, and still, she continued to speak over me. I asked her if I could speak, and she continued to talk over me, so I disconnected the call. This is so fraudulent. Even the app that I use never changed to the new Mastercard image. I was clueless about this bait and switch.
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| 09/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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On XX/XX/2020, my wife & I wrote a check to Ashley Furniture for {$8600.00} to hold the " labor day '' sale price of the new furniture until we returned. XXXX XXXX promised that the check would be returned to us once we came back after after our house closing. At that time, we did not want to apply for additional credit since we did not want our credit scores to be affected before we closed on our new home. When we returned on XX/XX/2020 to collect our check, to revise our previous purchase, and to apply for credit, we discovered that the check had already been cashed. It took us from XX/XX/XXXX to XX/XX/XXXX of 2020 to get our check back after numerous calls, texts and visits to the store. XXXX had previously told us that the check would be returned within 7-10 days. Prior to receiving the check, we lost confidence in XXXX, since he was no longer answering our calls or our text messages. We began dealing with XXXX ( XXXX ) XXXX. He printed us the final order tickets that had been sent to Synchrony Bank which consisted of one for {$8500.00} and the other for {$300.00}. The ticket for {$8500.00} included two unauthorized items that XXXX had left on the orders for a total of {$630.00}. On XX/XX/2020, XXXX made the adjustments of {$350.00} through order ticket # XXXX but he did not credit the remaining {$250.00} plus {$20.00} ( taxes ) = {$270.00}. His assistant ( XXXX? ) advised us that she would apply a credit to our Ashley credit card that we still had not received. On XX/XX/2020, I called the furniture store to follow-up with XXXX but he was not available. I then sent a text to XXXX to tell XXXX that we wanted the credit for the {$250.00} plus taxes through an order ticket, not through the credit card. By then, we had decided not to do future business with Ashely Furniture Stores. On XX/XX/2020, I texted XXXX to follow up with credits. He never bothered to respond. Meanwhile, we kept looking at the monthly statements from Synchrony Bank for those credits. As of today, XX/XX/2020, those credits have never been applied. When we called Synchrony Bank, we were told that we needed to discuss the credits with Ashley Furniture Store, that they only dealt with the financing. On XX/XX/2020, we sent a certified letter with attachments to XXXX XXXX in hope that the problem could be rectified. The letter was received and signed on XX/XX/2020. As of today, XX/XX/2020, we have not heard a word. We are not sure how Synchrony Bank and Ashley are affiliated, but neither one is taking responsibility.
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| 08/19/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Account information incorrect
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Web |
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Last year, within a 4 month period, I was approved for 2 credit lines through Synchrony bank. The first was with XXXX XXXX in XX/XX/XXXX with a {$500.00} limit, of which I used the entire amount.
The second was in XX/XX/XXXX with XXXX XXXX, for {$1200.00}, of which I purposely used much less of the available credit to keep my debt to credit ratio in check. And in XX/XX/XXXX, knowing i was going to apply for another refi when the interests rates dropped again, with the purpose of bringing my credit ratio under 30 % of the available balance, returned one of the products I purchased from the vendor.
I made the payments on-time for months for both accounts with no late payments In XXXX i received a letter that they were lowering my credit limits to within a couple of dollars of my outstanding balance on both accounts- due to the fact that I limit my own credit lines and try to pay cash for purchases, this completely wrecked my credit ratios, and has now affected my refinancing loan for my house AND is disallowing my business to be qualified for marketing with a consumer protection company that wanted to showcase me to a national audience.
By no fault of my own I was subjected to financial damage by a bank that refuses to give me even a document I requested on company letterhead acknowledging my initial high credit limit to pass along to the financial professionals I am trying to do business with, and, as is stated in the recorded call with the Manager I spoke with, they used information that was READILY AVAILABLE at the time ( s ) I was approved for these lines of credit, as a post factum reason to cut my credit limit- as stated, had I known, specifically on the Sweetwater account, that this would happen, I never would have entered into this financial contract with them and put my credit score at risk to begin with.
If I was at all a credit risk, they ethically never should have given me a SECOND - LARGER credit account and/or approved my for such a high limit based on the low amount of the purchase I made. To this day I STILL have not been late on a payment.
Due to the reckless disregard of this bank, their mis-furnishment of information to the credit bureaus, and by no error of my own, my family is now subject to a higher interest rate on my home, which is costing us thousands of dollars a year, and my business is suffering potential rejection from a consumer advocate and marketing organization that promotes businesses and financial professionals like myself on a nationwide basis.
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| 03/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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How was this deleted due to violations and multiple inaccuracies and now it's re-inserted.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 12/12/2015 |
Yes |
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- Credit card protection / Debt protection
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Web |
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I opened an card account wit Walmart in XXXX. I made my payments loyally until I lost my source of income in XXXX. When I learned I would be facing financial hardship I called Walmart Card services ( also know at the time as ge Capital ) and informed them of my circumstances and that I needed to activate my ( i.e enable ) the credit card protection program but was told that I was ineligible because I did n't have a job or by their logic a way to keep up my payments which is the reason I contacted them to being with. Thus I paid for a service I was never able to use. Somewhere along the was my account was sold or transferred to synchrony bank. So I attempted to call them after being harassed at work, at home and anywhere else I had access to a phone to resolve the debt set up a payment plan. I literally spent hours calling 'synchrony bank ' which is customer service for the card. Every single time I called I got the same automated response saying, " I 'm sorry we are not taking calls at this time. '' I called at least XXXX different phone numbers I had located for customer service and every number sent me back to that same message. I was only able to get through by contacting the fraud department ( after being on hold for over XXXX minutes ). I was then transferred to a line of synchrony bank that FINALLY PICKED UP. The man then proceeded to tell me that my account had been sold to a collection agency. He could not provide me the date this happened, or even the amount I owed. I ended up utilizing my free credit report from XXXX to see what company was reporting debt on my credit profile and saw tat my Walmart/synchrony bank/ge capital card ad been sold to XXXX. So I disputed the information reported on my account for the reason tat my original payment/hardship plan was supposed to take over payments for my card but never did. Now I am strapped wit a debt that should have been taken care of by a hardship/payment plan and that was sold without my knowledge or consent to a company that refuses to compromise with me. I am trying to et my life on track and was accepted into rad school but part of my aid package was denied because of adverse credit history reported by these companies. If synchrony/ge bank, XXXX and Walmart were never willing to work with me to repay my debt I am not sure how I was supposed to clear up this mess. There is no way I owe as much as XXXX is reporting if a program that was supposed to help me should have taken over the payment for my card until I got on my feet.
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| 03/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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Compliant is against XXXX XXXX XXXXXXXX XXXX XXXX managed by Synchrony Bank ) and a Chevron Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT. On XX/XX/23 at XXXX XXXX, I stopped at the Chevron Gas Station mentioned-above to put gasoline to my car with credit card also mentioned-above. The total was {$44.00} -- See attached receipt. When I got home later on, I received an alert message that I had a purchase for {$50.00} -- See attached message. I immediately replied saying I did not purchased gas for {$50.00}. It was for {$44.00} -- See attached. No response was ever received to this message, as of today. I also called the credit card customer service immediately to advise I did not purchase anything for {$50.00}. For my surprise, I was told that the {$50.00} was a " Hold '' on my account, in addition to my purchase. I said I usually get a hold for {$1.00} but this is not right to place a Hold for that much, as if I were a criminal. She said the gas station did that. I got so upset and for protection of my account, I asked to close my credit card. The Customer service Rep had an attitude that she did not care about my concerns and processed my request immediately. Please note, I have excellent credit, I have always paid-off my balance on this account as soon as I use it and the balance gets posted, and this Customer Service rep did not care. Basically, she did not value customers like me and my business. The next day, I tried to get of hold of the Manager of the gas station. The call went into the Chevron Call Center. I know what a Hold means and I know it will go away, but my issue was, why me? The whole thing is basically a discrimination issue. I am a US Citizen but with a XXXX background and this is not the first time this has happened to me at a Chevron Gas Station & affiliated gas stations. Over a year ago, it happened to me at a XXXX XXXX XXXX from Chevron in XXXX, UT. I paid with a different credit card. A Hold for {$100.00} was placed in my XXXX Credit Card for putting gasoline of only {$25.00}!!! Like if I were a criminal that would not have a legit credit card. Although I closed my credit card with XXXXSynchrony and XXXX I'll never put gasoline at any of their gas stations, I am writing this complaint to let you know about their illegal or unreasonable " Hold '' amounts ' practices on people like me. You all should investigate this matter. By the way, after I have closed my account, I tried to get into my account and I couldn't, they blocked me out of my account.
|
| 04/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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Web |
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Synchrony Bank-PAY PAL issued me a credit card inXX/XX/XXXX or so. As part of the credit card terms, I enrolled in a card insurance protection program, that, in the event I ran into a problem paying my card in full or making payments, will cover the payments for me. I paid about {$400.00} dollars, I believe added to my card balance, for the insurance. In XX/XX/XXXX a change in my job cut off my overtime hours, and I was unable to pay for the payments, I called Synchrony bank to let them know, and for the insurance I had purchased to be triggered. After a couple of times that I was called again by the bank, for lack of payments, and I again told them I had bought insurance and I could not make the payments, they finally said that the insurance company needs to handle this claim directly. It was difficult to obtain the information to contact the insurance company, almost as if synchrony bank did not really know where this information was. So I called the insurance company and tried to file a claim with them. They rejected the claim twice, always asking for more information : more bank statements, or pay stubs, or letters from my employer showing my income was reduced etc. but it was never enough. Finally, the last time I submitted paperwork, I did not hear from them again, or Synchrony, so I assumed it was taken care of. Until it showed up in my Credit Report as a charge off. At that point, I submitted a dispute with the credit Bureaus, XXXX XXXX etc. On the bases that, where I don't dispute some of the balance-minus the fees/interest/and insurance charges-I dispute that I owe it, since this balance was supposed to have been covered by the insurance I bought. Synchrony refuses to acknowledge this detail, and insists I owe this, and all I get from them, after every dispute with the credit bureaus, is sending a last statement to my home. Nothing about the nature of the dispute, the insurance they sold to me, the insurance that did not pay them for my claim, or the fact that I have disputed this 3 times. Now they are suing me in court, by lying that I have never complained about the balance or the debt. There must be records, that they have to come up with, not me, that I called, and I asked them to close my account, and requested the information to file the claim with the insurance. I tried fixing the problem with Synchrony in a timely manner, I tried with the insurance company, i tired with the credit Bureaus, and I have done all I can to provide what I had to file my insurance claim.
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX I unfortunately had been laid off from my job. I knew I had a balance I had to pay PayPal Credit roughly about {$850.00}. I contacted PayPal Credit via phone and spoke to three representatives about my situation and asked if they had any financial relief programs. The representatives stated they did not have any programs, but they could help me so my account would not go delinquent. The representatives stated that if I made post dated checks every month that I would not hit the 30-day late marker and the balance would be carried over until the {$800.00} was paid.
I was told I needed to set this up with my checking account, and I gave the representatives my Debit card number in XX/XX/XXXX to start a first payment in XX/XX/XXXX. The following month I gave a new representative my checking account information for payments starting in XX/XX/XXXX.
As XXXX went on and I continued to make the post-dated check payments, I thought everything was in order. I checked my credit score at the end of XX/XX/XXXX and I was shocked to find out that my score had plummeted 90+ points. I realized it was from PayPal Credit and I immediately placed a call to find out what was going on.
I spent hours on the phone with multiple representatives and come to find out that PayPal credit had not set up my monthly payments correctly. The last representative told me that the automatic monthly checks were over the 30-day credit reporting and that is why my account went delinquent with months of a late payments. Also, during my payment arrangements every month, the representative notified me that PayPal was now using Synchrony Back as their creditor. The representative said they would submit for correction, set me up on a correct relief program of XXXX XXXX monthly payment, and I should see an update within 30 days of our call.
With a few weeks I noticed that my score had gone back up. Then, not even 2 weeks later my score dropped again, from PayPal Credit. I called and spent more hours on the phone talking to representatives. They told me I had an outstanding balance of {$200.00} and that is why my score went down because it was still revolving as past due. I told the representative that when I called last time, I was told everything was paid up to date. After spending an hour on the phone, they said there was nothing they could do to resolve the issue.
I have spent hours on the phone with PayPal representatives with no correction or an apology of the misinformation that has been told to me.
|
| 04/01/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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I am writing because I need immediate action from CARE CREDIT. Your company has allowed fraud to occur and I need it to stop right away. I reported identity theft with the police on XX/XX/2019. I put a credit freeze on my identity with all credit bureaus. I have done all in my power to prevent these actions from occurring. After all of that stress, I got a letter in the mail from Synchrony Bank/ Care Credit that is dated XX/XX/19stating that they are unable to approve my instant credit request due to the freeze from XXXX . That means that even if your company does not do background checks on adding authorized signers to accounts, your company still had run a credit check on me and found a freeze, and then still allowed my identity to be added to FIVE ACCOUNTS ( That I know of ) on XX/XX/XXXX which is when I was alerted by the credit bureaus. I had ZERO notification that I was added to any account, there were no emails, phone calls or letters in the mail to confirm this. It is wildly inappropriate and negligent to allow someone to be added without their consent, and much less without even notifying them. I still would not know that I was added to the accounts had I not had the previous fraud and credit score notifications.
Furthermore, how could you allow someone ( or multiple people ) to add me as an authorized user after seeing that there was a freeze on my account? It is very negligent and irresponsible to add authorized users without a credit check or any notified consent of the user. To reiterate, to this day, I have not been notified from Care Credit or Synchrony Bank that I have been added as an authorized user on five different accounts. Also, adding five accounts for one person in a short period of time is highly suspicious and your company should be doing more to prevent fraud.
As you can imagine, all of this has caused a great deal of stress - emotionally and physically. Additionally, it has affected my job because Ive had to take time away from clients to make numerous phone calls to your company, fraud alerts, the credit bureaus, social security offices and the police. Some of these calls have taken more than an hour each time.
I am requesting a statement from your company that states : I am a victim of fraud, that I will never be added to any accounts in my own name or as an authorized user, and that my name has been successfully removed from all accounts.
If I do not here back in 15 days from this complaint ( XX/XX/XXXX ), then I will be seeking legal action.
|
| 05/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
|
| 02/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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Web |
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On XX/XX/2023 I contacted PayPal about an email I received indicating that an invoice for {$1400.00} was coming from XXXX for a purchase of an XXXX in XXXX by someone named XXXX XXXX. I wasn't sure if this was a phishing email. PayPal confirmed that indeed there was such an invoice to be paid through funds from my connected bank account. I let them know that I had not authorized this transaction nor lent anyone my PayPal account information. I had checked my PayPal account after receiving the suspicious email and actually elected to Cancel this transaction, before calling PayPal about the fraud. The rep sent me another cancellation form through my computer browser ( not email. ) Then he asked me if I could download a program for him to go onto my computer because I didn't understand what he was telling me when he said I would get confirmation of that cancellation from my bank ( XXXX ), which is a separate entity. I then went onto XXXX 's website, to my account info, and did not see any confirmation from XXXX as the rep had told me. So, he accessed my computer. Then he asked me to download an app called XXXX from the App store onto my XXXX. I did that, and he accessed it and told me that there were other charges coming in, including one from XXXX for a recipient named XXXX XXXX, and others for XXXX puchases. I was able to verify that someone named XXXX XXXX did add themselves to my XXXX recipient list and that they tried to get {$300.00} from my bank account on XX/XX/2023 as I was on the phone with the PayPal agent. I got off the phone with PayPal and contacted XXXX XXXX via phone, and they were able to reverse/cancel this charge immediately. Today, XX/XX/2023, I attempted to close my PayPal account online in order to prevent any further fraudulent attempts to get money from my bank account. I got a message saying I couldn't close the account. I have both a Credit Card account and an account that goes to my XXXX banking account through PayPal. I contacted via telephone ( and internal XXXX text ) a representative from XXXX named XXXX XXXXXXXX ( credit team ) and she told me she couldn't close my Credit Card account because it was connected to my other account ( connected to my XXXX account ). This did not make any sense to me. These are separate accounts. PayPal kept asking me why I wanted to close the accounts. I told them that it is my right to protect myself and that I felt the account was compromised. They shouldn't make it difficult for me to close my account with them.
|
| 08/17/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
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In regards to the previous claim, CFPB should not close the case as the problem is not solved, I would not accept the decision that the company had responsed.
Several bad practice had came to me by the company : 1. The company only contacted me once, and I missed the phone call, this is pretty common and the company should call for the second time at least, as other banks do, but they don't, kind of abnormal.
2. Their wording " reserve the rights to close the account for any reason '' is a type of bully behavior as they can always make up the terms good for them and we consumers can only eat it. If it does not affect me who will want to use your credit card for the bank can that easily close a customer 's account. Closing my account had reduced my well established credit line and causing the credit score to change, also, affecting my financial plan.
3. In their response they played with the wording " return check could mean different things '', but in my account it literally just because I don't have enough money in my account, by accident, and no dishonest behavior to the bank as I made it up right away. The bank had no loss, but I had a great deal.
4. Please noted, such odd term of closing your account had never been communicated before, don't tell me you wrote it somewhere in the card agreement with a billion words, you can write everything in, you can also made things up. I'm only talking about if this term is acceptable or not.
5. Even this is a critical term which you guys believe, it should be communicated the first time I had experienced a returned check, by saying something like if second time your account will be closed, but I did not receive any notice like that.
6. In general, I tried to fix it and make up the payment by using other resources right away after I noticed a rejected payment, my attitude towards the issue is very serious, but the bank is doing nothing on our communication and even on the response of the CFPB complaint, they just explained the same thing and nothing had really been investigated and they don't check if their way of doing things are fair enough.
7. I had a total of roughly 10~15 credit cards open and had no issues with them ever, similar things happened before, other banks may charge you a fee rather than closing your account. I have a well-established credit line with no late payment ever, and that's me experiencing a bank incredibly closing my account. My great credit profile had turned this banks behavior into a joke ....
|
| 02/07/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
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Web |
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XX/XX/XXXX charged {$230.00} at Discount Tire who uses Synchrony Bank. Was a 6-mo no interest acct, made 5 payments of {$46.00} each from XX/XX/XXXX through XX/XX/XXXX for ttl of {$230.00}. Due date for each payment was XX/XX/XXXX of month, my bank statements show that each payment sent by my bank on XXXX of each mo except for one for XX/XX/XXXX sent on XX/XX/XXXX - these were auto-payments that I set up via my bank. On XX/XX/XXXX received email saying I owed {$29.00}, but did not see the message & saw next email message XX/XX/XXXX saying I owed {$31.00}. XX/XX/XXXX called Synchrony customer service & eventually spoke to an XXXX who said he was a supervisor. First said I had missed the XX/XX/XXXX payment - gave him the dates and amounts of payments telling him to multiply them and he agreed they totaled {$230.00}, then he said a payment was late - again went over the payment dates.Then told me some convoluted explanation that because the due date was the XXXX of each of the months and the payment that came in on XX/XX/XXXX, did n't get credited for XX/XX/XXXX Told him it was a completed scam that because they received 2 payments in XX/XX/XXXX - one on the XXXX and another one on the XX/XX/XXXX that the 2nd payment at end of XX/XX/XXXX but for XX/XX/XXXX did not get credited and I wanted this fixed immediately. After several long holds I was told that the " people he had to talk to '' had ok 'd taking the extra charges off my account, that he could not send me an email confirming this, but I would either get an automatic email or a paper statement showing a XXXX balance. I have today received an alert from XXXX telling me I have a delinquency on my credit report. XXXX uses XXXX and my credit report on XXXX website does show the account as delinquent - and in fact their entire record of my payments are incorrect. I filed an online investigation with XXXX and am faxing them my bank statements. I also wrote a letter to XXXX, CEO of Synchrony - but at the time I thought the issued had been resolved per XXXX. I have a feeling they use what I would call " fuzzy accounting '' - not crediting a payment because 2 payments arrived in the same month is ridiculous - I believe they are trying to get more money out of fully paid accounts - and their customer service people obviously lie about clearing up issues. I have an excellent credit rating & they have now defamed my financial history - I have not yet checked the other credit reporting agencies, but this is probably also on those records
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| 08/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX continues to harass me and damage my credit by going back and forth. I notified Synchrony that the XXXX XXXX that was opened in my name was fraudulent. At the time of reporting it, I lost my wallet. I was not able to recover my wallet, and as soon as i saw the account reporting on my credit i immediately notified the company and provided the company with an FTC Affidavit, I additionally notified the law enforcement agency in my area that my wallet was stolen, and that someone used my Identity to open this account. When calling XXXX back after being sent 3 different letters i was told that they verified the account was fraudulent and that i would not be liable for this account. Additionally i was sent a letter in the mail the first time stating the account was fraudulent they verified that i did not benefit from the account. As stated to XXXX when my Wallet was stolen, my Identity was used to open the account. I did NOT benefit from this account, The bank account that they " stated made payments to the account '' is an account that i additionally reported as fraud as well, And that account has been closed and removed from my record. My Email addresses were hacked as well and my USPS mail was forwarded. I had to find all of this out and i have just now begun correcting and restoring my identity. After this letter, XXXX followed up with a second letter confirming they contacted all 3 credit bureaus to have the account removed from my credit reports. Lastly i just now received a third letter today and in this letter it states they were unable to accept my claim as they said i benefited from this card, and that payments are 1 year old? You can't accept someones claim, and then later after sending two letters confirming the fraud send a third letter stating its not fraud. You verified this account as fraud. I DID NOT Benefit from this account. I never received a card, my identity was stolen. This account has been removed from all 3 credit bureaus as fraud, and i do not understand why you are attempting to falsely send me documents clearly revoking everything you said in the first two letters. To me that seems like False legal documentation. This account is fraudulent, when the person stole my wallet they also forwarded my mail, they also opened bank accounts. Created email addresses and hacked my email address. I want this corrected now and to know what the real truth is? You have my law enforcement documents. Please stop being wishy washy. You already confirmed the fraud.
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| 06/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX I sent XXXX 609 letter asking them to provide me with original documentation from two companies ( XXXX XXXX XXXX and XXXX/Walmart ). They responded to my dispute in a timely manner ( XX/XX/XXXX ), however they did not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) or promptly delete inaccurate information as it states under Section 611 ( 5 ) ( A ) of the FCRA. Their response was " The company that reported the information has certified to XXXX that the information is accurate. '' XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, in response to the 609 letter from XXXX, stating they were unable to locate my account because the credit bureau doesn't disclose the full account information and asked me to help verify the debt for them. I sent this letter to XXXX and ask them their methods of verifying the accounts and how was this account verified if XXXX couldn't verify it. How can they certify to XXXX that the information is accurate. XXXX didn't respond.
XX/XX/XXXX, I received a letter from XXXX XXXX XXXX in regards to the XXXX/Walmart account that is reporting on my report. Included was a letter from XXXX stated that the account was sold to XXXX XXXX XXXX and I should address my concerns with them. XXXX XXXX XXXX told me they received and processed my dispute ( 609 letter ) and the information is accurate. Failing to provide me with a original contractual agreement that I am obligated to pay the balance that they say I owe. They sent me information that can be publicly access through my credit report, via permissible authorization because they're a collection agency.
All parties have FAILED to provide me with the information I asked for which is : Original physical documentation that proves that I owe the debt : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : These are violations Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act and as a consumer I am highly upset and offended that these companies do not take the law very seriously.
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| 11/26/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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On XXXX XXXX 2016 I was incarcerated ( I will attach documentation from XXXX XXXX Jail ) for a period of 4 months. My children were left in the care of XXXX friends of mine as my parents are deceased. I left them with over five thousand in cash to take care of my children and bills for this period of time. None of my household bills were paid, luckily I had paid my mortgage for a year ahead in payments. During this time they rifled through my room, stole my parents wedding bands, children 's savings bonds and some tools. They also located several credit cards. They proceeded to max all of these cards out and the ones they did not use ( store charge accounts without a master/visa logo ) were closed due to the damage caused to my credit score, which fell from a XXXX to a XXXX. Upon my release I took the appropriate action of filing police reports, disputes and fraud complaints. A few were resolved quickly and in a positive manner, though there was little I could do about the closed charge accounts. However after providing all the reports a few of the cards have given me problems, now 2 months after my release I am taking further action to try and obtain satisfactory results. I 've had enough after spending countless hours on the phone and dealing with collection calls for charges I did not make and that did not go to the care my children! I worked hard to build my credit and have done my best in the last 3 years to make my payments on time. This whole situation has been sickening.
As a result of the a fore mentioned actions I had several store charge accounts that were closed, even though they had either a zero balance or a small balance. The reason given was inactivity ( due to my incarceration ) and a change in credit score due to the fraud that was committed. These accounts were backed by Synchrony bank. The only account that was resolved through them ( Synchrony ) was my Wal-mart card ( which did have a payment made on it and then the people who committed the fraud asked for a credit line increase ) and the card credit line was restored. However my XXXX XXXX Tj Maxx XXXX XXXX XXXX, Toys R Us XXXX XXXX XXXX were all closed. While incarcerated I had a small remaining balance on my XXXX and had some late charges, I paid this off in full XXXX and they still refused to open my credit line and stated I would have to reapply which would only hurt my credit score more. Since they restored my Walmart card I have used it and made my payments on time as I did before my incarceration.
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| 05/26/2015 |
Yes |
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Web |
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There is an account that myself and my boyfriend opened in XXXX of 2009. We financed furniture and the limit on this revolving account was {$4200.00}. We paid on the account for 3 years paying {$220.00} faithfully every month. When I recently pulled a copy of my credit report, I noticed this account was still reporting a balance of {$8700.00} and was stating that it was charged off. It was actually reporting XXXX different ways amongst the bureaus and this rose suspicions. Just the simple math of {$220.00} X XXXX payments comes to a total of {$8200.00} that was paid for this {$4200.00} in furniture. I 'm having a really hard time understanding how the balance can is now {$8700.00} and no one knows how because they ca n't produce a paper trail.
When I called Synchrony Bank to request billing statements so that I could review these crazy numbers that where being given as debt owed, I was told that they do n't have any of those records because all they did was buy out GE Money and they were n't given those records. This did n't sound right to me at all so I started doing some digging. When I researched GE Money and Synchrony Bank I realized they had been sued for adding an insurance balance protection plan and I know I was never offered anything of this nature when we had a hardship. I found also that the amount they were charging was 2 % of the principal balance and not knowing whether or not we signed up for this or if we where charged for this and not offered during the time of need is my reason for requesting billing statements and a copy of the signed contract.
Originally, when I spoke to Synchrony Bank, I was willing to settle the account but again, the numbers did n't add up and to thing that I had already paid double what I borrowed and was possibly charged for something that I was totally unaware of but not able to utilize was very suspicious so I called and canceled the settlement offer agreed upon until documentation could be produced to verify the amount owed more than just someone telling me that is what I owed. 2 % of the balance is {$170.00}. If I was being charged for this insurance that I was unable to utilize, that would explain the balance being so high. That is the only thing that would be of any sort of explanation as to why I owe anything more for this furniture. I am requesting copies of billing statements so that I can better understand why the balance is what it is. I would also like a copy of the signed contract from XXXX XXXX which was done in store.
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| 09/14/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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On XX/XX/2018 I received calls from unknown number as well as local number that were identified on caller ID in reference to signing legal documents. He did not provide his name but said he had been hired by XXXX XXXX XXXX XXXX to reach me to sign documents. He provided me a telephone number and a case number. I called the number and provided the case number and was told that " XXXX '' is handling my case.
XXXX XXXX XXXX , XXXX XXXX XXXX p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I also received calls from XXXX from someone who identified himself as XXXX XXXX . He said he was a process server and that he had legal documents that I needed to sign in reference to a Care Credit Account ending in XXXX. He called my home, cell as well as work number. He said it was in reference to Case # XXXX! He gave me a number to call XXXX in order to speak to the company who was litigating against me.
I called and spoke to XXXX XXXX and she gave me the email address of XXXX to provide proof that the debt had been resolved in order for her to dismiss the JUDGMENT. I sent her the information and she responded as follows : Thank you for the letter Ms. XXXX, but this letter does not say or show your balance was paid off. This is an agreement to resolve your account if the agreement is met. I need a release of liability letter or balance paid in full letter to stop any further action. I can not submit this for dismissal of debt owed. Please feel free to call me or forward any other documents you might have pertaining to this file.
Thank you XXXX XXXX XXXX , XXXX XXXX XXXX p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I then provided her with the bank statements to prove that it had been paid. I called to follow up and she said that the case has been dismissed. I further asked who the attorney was? She gave me the name XXXX XXXX. Then I continued to raise questions and she put me on the phone with a man named " XXXX XXXX ''. He said that Mr. XXXX is not an attorney but rather Operations Manager and they are a debt collector. ( I was previously told that they were a law firm and not a debt collector ) XXXX refused to give me his local number. He refused to give me the name of the attorney that was licensed in MO to file a law suit against me, he refused to give me the registered agent. I just believe that this is a very sophisticated scam and I wanted to make your organization aware.
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| 05/26/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This debt originally started with XXXX XXXX XXXX in early 2018. After using high pressured tactics to buy this property, {$15000.00} was financed with XXXX and {$19000.00} financed with PayPal with no payment for 6 months. Their decision to approve this loan was based on credit score and not on income. Our agent emphasized what a great investment this property in XXXX XXXX was for us as well as my children. My husband and I went home and after processing and mentally rethinking, I called the agent on several occasions about the upcoming debt with PayPal to discuss selling this property or give us any advice he could provide since he had given me his personal cell phone number in case I had any questions or concerns. He never returned my calls. I even attended a third free holiday weekend in search of our agent and to my surprise was informed that he no longer worked for XXXX. I mentioned that had read about several law suits pending against XXXX, his reply was what is a few law suits against a company as big as ours. That alone led me to believe that XXXX nor PayPal did not have the consumer 's best interest but only in making the sale. They introduced me to another agent who also tried to high pressured me into upgrading even more. After numerous attempts of coercing me into upgrading, the agent walked off stating that I was wasting her time. I left in total disgust. I started receiving PayPal delinquent notices, then telephone calls and notices from XXXX XXXX XXXX. XXXX., a debt collection agency, Synchrony Bank , and XXXX XXXX In XX/XX/2018 I refinanced my home to payoff all outstanding debt on the credit report only to find out PayPal was not listed. XXXX was paid in full with the exception of outstanding maintenance fees. I hired XXXX XXXX in XXXX and obtained a deed in lieu of foreclosure. XXXX stated that they did not work with third parties therefore, could not help me with PayPal. My dispute is how am I still owing for a property that I was highly pressured and coerced into signing and never used or visited said property? At about the same time I received a title from XXXX XXXX with a deed of Trust, PayPal and the other collection agencies listed above have not reported this loan to the three credit bureaus and it has never reflected on my credit report. I have an excellent credit rating and worked very hard to keep it this way.I am attaching documents that should be useful, as of this date, XX/XX/XXXX I have yet to hear or receive any collection calls or notices.
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| 08/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My wife and I went to XXXX XXXX XXXX in NJ on XX/XX/19 and we purchased a Dining room set and Rug.
The receipt says 5 year warranty. They told us we could finance the purchase with no interest. They arranged the financing through Synchrony Bank aka Synchrony Financial. They opened a credit line up to {$7000.00} but the items we purchased came to {$3900.00}. The items were delivered on XX/XX/19. Later in the day we smelled a terrible toxic smell from the table and chairs. We called the merchant the next day. My wife has XXXX and she had to use the XXXX several times in the night. The merchant told us to open the window, and let the wood air out and it would go away. The smell never went away, and it began to smell up our entire house. We kept calling the merchant, and he was ignoring our calls. Finally we went to the store on XX/XX/2019 to demand that they take back the furniture. The manager cursed at my wife and said some terrible things to her. On XX/XX/19, the merchant sent 2 men to pick up the items. They showed us a paper that said exchange, and we crossed it out and put return. They refused to give us a copy or receipt of the pick up. We have a video of them picking up the items. The Mgr. wanted us to come back and select different furniture. We refused because of the way he treated us and insulted my wife. During this time, we notified Synchrony Bank of the dispute and they asked us to make a small payment while they investigated. We refused because the merchandise was toxic and returned. Synchrony did an investigation and wrote us a letter that said we have to pay the {$3900.00} because the merchant told them we still have the furniture. The Merchant sent them a false reply indicating that we still have the furniture and they are waiting for us to come in and do an exchange. The is not true, we did not exchange, we RETURNED. Our attorney tried to speak with Synchrony on XX/XX/19 while we were present, but they refused to speak with her, although I gave them verbal authorization while we were all on the phone. They said that I had to MAIL in written authorization, They refused to give me a FAX Number or email. They gave us the mailing address. This is a bad practice. We know that the merchant was paid and now he's trying to get us to buy something else from him. We are disputing the debt and they are making it difficult for us. My wife sent them the video of the pick up and they said it wasn't clear. Our attorney saw the same video and she said it was very clear.
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| 04/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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Synchrony Bank, has unfair and abusive terms to it credit ( a ) They took over several of my account over and double charged for interest.
several of my cards went from 10 and 15 % to now 26 and 29 % They abuse the practice by charging very high interest rates to high-risk borrowers like me so that I wold likely to default on the loan.
( b ) they change the terms and condition of the loan ( XXXX ), we had been sending money to an inmate, now they want to charge fees, Date of Transaction XX/XX/2020 XXXX XXXX Sent Amount {$30.00} they stated they charged {$5.00} but we have used the same care just several months ago - and was not charged, they change their terms when every they fill like it -hides or misrepresents the true costs, risks and/or appropriateness of a credit card terms, or changes the credit terms after the initial offer. I used pay pal and made and made and ordered. This company refuses to release the order or payment. XX/XX/XXXX, I ordered items and it was cancel by Paypal. But the amount is still be held up - THEY refused to release the funds after the order was cancel and it still a pending charge on the account.Thanks for your order at XXXX XXXX. Money won't leave your account until XXXX 's processes your order.
( B ) Thanks for using PayPal. To see the full transaction details, log in to your PayPal account. Keep in mind, it may take a few moments for this transaction to appear.ORDER WAS CANCEL - as of today, it is still pending on the Master Card account.
( C ) The Bank encourages me to borrower and to refinance an existing loan into a larger one with a higher interest rate and additional fees.
( D ) XXXX stated that he and Everyone in the neighborhood is charged higher rates to borrow money, regardless of credit history, income or ability to repay ( tape recorded ) This Bank has adds language to my credit card contract making it illegal for a credit card holder to take future legal action for fraud or misrepresentation. The only option, t is arbitration, which generally puts the borrower at a disadvantage or for them to close your account as XXXX stated in a loud voice on XX/XX/2020Call Notify from..
This Bank is a Predatory credit card holder that imposes unfair or abusive loan terms on the credit card holder. It is also any practice that convinces a XXXX XXXX holder to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for encouraging me to transfer other account to the card for pay off. Then up the rates.
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| 10/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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On XX/XX/XXXX, I attempted to purchase a new cell phone on line. The transaction was denied and my credit card was blocked. I spoke to Synchrony Bank, who issued the credit card, at least 2 times, on the XXXX and the XXXX. First, they could not tell me why they blocked the transaction, only that it " appeared fraudulent ''. Second, i had purchased two items in XX/XX/XXXX, both of which were substantially more money than the phone, and neither of those transactions were denied, nor was my account blocked. I suspect that this transaction was denied and my credit card blocked BECAUSE the transaction was for a cell phone, and not because there was anything suspicious about the transaction. I have monthly automatic payments going to this credit card, including some medical, which are now in jeopardy. Synchrony told me I had two options -- 1. To reply to a text message
where I would have to send ( over an unsecured cell phone ) a front facing video of my face, a photo of the front and back of my driver 's license, and a moving video of my face ( there were 4 steps to this text message ). OR 2. wait 7 - 10 days for a letter to be mailed to me that I could reply to. When you use step 1., you give
Synchrony automatic approval to collect biometric identifiers about yourself. This is also not acceptable to me.
I do not want a photo of myself or my driver 's license on the internet. That would seem to encourage identity theft, not discourage it.
A manager spoke to me and asked me for my email account. I gave it to her, and she said that account was listed in someone else 's name. Well, that is strange, because when I pay my credit card bill, I get emails from Synchrony to the email address that I gave the manager. The manager also told me that she could not get into my credit card account because it was blocked. Why is that? If Synchrony blocked the account, why couldn't a Synchrony manager get into the account. I asked that she transfer me to someone at a higher rank than she was, but she would not do so. She kept saying that I would have to use one of the 2 options above. I did try responding to the text message though. But my cell phone
was so old, it would not respond to the 4th step requesting the moving video of my face, etc. So I could not comply with this. I had the Synchrony manager on the phone with me when I tried to respond to the text message.
Neither of these options is acceptable to me. I pay my account in full every month and expect better service than this.
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| 10/25/2023 |
Yes |
- Credit card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I set up all my bills on autopayments. Whether they are bills that need to be paid in full each month or bills that payments are to be made and I keep track of those on a spreadsheet that has the balances and the dates that promo rates expire so that I can be sure to pay those balances off in time.
On my XXXX Synchrony Bank Mattress Firm statement I saw that my promo balance of {$120.00} was going to expire on XX/XX/XXXX. The auto payment on this account is {$100.00}. So i made an additional payment early on XX/XX/XXXX ( {$25.00} ) so that when the auto pay on XX/XX/XXXX happened it would pay off that balance. I didn't think anything of it since I felt I was on top of it and just checked in on this account today and was shocked to see that the XX/XX/XXXX payment was only made for {$78.00} and I had been charged the entire deferred interest of {$420.00}.
I immediately contacted Synchrony and the agent couldn't help me so I escalated to a manager by the name of XXXX ( ID XXXX ) and was informed by her that there was nothing they could do to reverse the deferred interest since I didn't pay it off in time. I explained that if they look at my history and the amounts that I paid and the extra amount I paid in XXXX that they could tell that my intent was to have that paid off. I asked why in the world would I leave it a little short when I was going to have to pay deferred interest?
Her explanation was that part of the payment was going to the other promo rate that I had on there that doesn't expire until XXXX. So that left me short. My reply was that no where does it break down what part of each months payment go to different balances. It shows the total of the previous amount paid. I thought this was supposed to be the practice of all credit cards is that payments made go to the balance with the highest rate or with the nearest expiring rate?
She explained there is nothing she could do because I agreed to pay the balance before the promo expired or else I'd be charged interest. I feel the way payments were applied and the way the balance to pay off is presented is very deceptive. It should be explicit on the statement which part of each payment goes to which balance versus a lump payment amount. It should also explain that if you make additional payments in a month that it impacts your auto payment. No where did it come out and say that the auto pay amount would change. The numbers add up as to what my intent was. She ultimately said there was nothing she could do.
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| 11/20/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Last year ( XXXX ) I received a call from Synchrony Bank 's XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with Synchrony. The debt was completely paid off XXXX XXXX of last year after 6 payments had been made.
A few weeks ago, I answered a call from a number I did n't recognize and it was XXXX XXXX XXXX saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call.
I called Synchrony and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment.
Finally, someone at Synchrony told me how to file a dispute with Syncrhony. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid.
Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling Synchrony, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt.
This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from Synchrony that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt!
Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.
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| 09/23/2023 |
Yes |
- Credit card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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For months I have always paid my bill on time and always pay the first week of every month. My bill due date is around the XXXX every month. I got a few late fee 's that I didn't see until paying my bill one day. I wrote them and got it resolved and the fee 's and late payment taken off. On the phone the woman admitted that if I pay my bill always the first week there is no way it could be late.
Come last month I get a {$30.00} late fee and I know what is next addional fee 's so I wrote them again and got a bot that didn't answer any questions. So I waited till the next day and wrote them. They said they removed the last late fee ( Which was their fought ) and will not remove anymore.
I sent them over screenshots showing every month I have paid over the amount due and some months I pay 2 payments to help pay the bill off before interest occurs. I told them to show me proof of why the payment is late and showing them proof that I always have made the payment on time. And even went on to say this happened before and it was your error.
They in return as of today killed my log in. So I know they are going to try to get fee 's, late fee 's and such. I think why they XXXX my account is I showed them proof they are doing fee 's when I was on time. I also told them I was going to turn them in to the credit card oversears such as yourself. Today I tried to log in to see the error. A friend of mine also uses synchrony and logged into his account fine. So I'm sure they are pulling some stuff. I contacted XXXX and told the if I can't log in I can't pay my account. And told them I am turning them over.
I am uploading proof that my account has never been late and their practice are straight garbage. The company is synchrony I have several cards with them but only one left to pay off. I think they get very upset that I always pay off before interest occurs.
I am including including my message to them. You can see by my payment history that I have paid always on time. Sometimes paying 2 times the same months to drop the last pay off. A always work to pay off my bills early. And I am confused as if its always paid by the first week when how and why could a late fee occurs. I have included in my statements which only shows the last few numbers of my account. I have all my statement only uploading a few.
Mainly I want this to be a paper trail when they don't allow me to assess my account and add a bunch of fee 's when I have to go to court I'll have bases to sue them.
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| 08/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XX/XX/XXXX I purchased a bed from XXXX XXXX, XXXX for a total price of {$4000.00}. They offered me no-interest funding for 36 months through Synchrony Bank . I took the offer. Then started making payments of {$110.00}, I made six double payments by XX/XX/XXXX. At that time I was paid ahead by six months. I make my payments through Washington XXXX XXXX on my computer. Then Synchrony said I missed a payment and I was delinquent.
At this point, I have made 11 double payments and one triple on a bed purchase for over XXXX XXXX. Synchrony Bank offered to give me a 36-month no-interest loan, which I accepted with the intention of paying it off sooner. How can I be late or delinquent? According to any bank I have done business with, I am 14 payments ahead. Synchrony has a bad reputation for being an unfair bully to their customers.
Synchrony Bank is the subject of a federal criminal investigation into potential fraud. The investigation is being led by the XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and is focused on the banks credit card practices.
The probe comes amid a wider crackdown on the credit card industry by federal prosecutors. In recent years, prosecutors have brought cases against several major banks, alleging that they misled customers about the true costs of using their cards.
Synchrony is the latest bank to come under scrutiny. The investigation is still in its early stages, and it is not clear what, if any, wrongdoing the bank may have engaged in.
The bank has not been charged with any crime, and it is cooperating with the investigation.
SYNCHRONY BANK HAS BEEN ORDERED TO PAY {$3.00} XXXX TO RESOLVE CIVIL ENFORCEMENT ACTION INVOLVING CALLS TO CONSUMERS IN CALIFORNIA Because individual restitution is not feasible under these circumstances, the judgment also requires that Synchrony Bank pay {$520000.00} in alternative restitution to a charitable trust fund to support additional consumer protection efforts. The judgment was filed in XXXX XXXX XXXX XXXX XXXX and was signed on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The case was handled in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX XXXX.
I still owe 5 payments on this transaction, which I will pay in full Synchrony thinks they are entitled to late charges etc. They have very bad and in some cases illegal practices.
Please help get this matter corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX
|
| 04/17/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Synchrony Bank sent a response to my previous complaint ( CFPB # XXXX ) that does not address the actual issues brought to their attention, simply stating meaningless facts for the sake of providing some sort of a response. For instance, Synchrony Bank stated that the address on my Synchrony Bank account does not match the address on my inquiry through the CFPB : this is not true because all my Synchrony Bank statements and other correspondence from Synchrony Bank carry the same address as the address shown on my inquires to Synchrony Bank directly and through the CFPB.
The letter dated XX/XX/XXXX by Synchrony Bank, of which a " copy '' was attached to their response sent to the CFPB, was never sent to my attention by mail or through the on-line portal. This letter stated the following : " At this time, we consider the dispute closed and the matter resolved to your satisfaction. These credits will appear on your XX/XX/XXXX billing statement. This adjustment does not set a precedent for any future adjustments regarding this matter. In addition, no further adjustments will be made to your above-referenced account unless there is a valid billing error ''.
Instead, I received a letter from Synchrony Bank dated XX/XX/XXXX which stated the following : " If you feel that your inquiry was not handled appropriately or you have additional information not previously provided, please call us within 30 days of this letter at the phone number listed below so that we may further review your inquiry ''.
In fact, based on the letter I received from Synchrony Bank dated XX/XX/XXXX, on XX/XX/XXXX I contacted the Dispute Remediation team and discussed the circumstances of the disputes on the two orders with XXXX XXXX XXXX, having already requested on several occasions over the last few months that the overbilling on the orders ( order # XXXX, sale date XX/XX/XXXX ; order # XXXX, sale date XX/XX/XXXX ) is reviewed by the team at XXXX XXXX XXXX and the overbilled amounts are fully refunded to me. On XX/XX/XXXX, the Account Manager of Dispute Remediation at Synchrony Bank ( XXXX XXXX XXXX XXXX reassured me that the disputes have been re-opened ; he was also able to confirm that the address on my Synchrony Bank account is the same address I used in the correspondence regarding my disputes, and was unsure as to why the Senior Specialist XXXX XXXX stated in the response provided to CFPB that the address in my inquiry ( dispute ) does not match the address on my Synchrony Bank account.
|
| 06/17/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I hold an account with Synchrony Bank for an affinity " Gear Card '' for Guitar Center. I made a purchase on XX/XX/XXXX in the amount of {$4900.00}, an amount sufficient to award me four " Gear Card Reward Certificates '' in the amounts of {$100.00}, {$100.00}, {$100.00}, and {$30.00}, for a total of {$330.00}, all exiting on XX/XX/XXXX. This was per a promotion published on the Guitar Center site at XXXX XXXX of purchase.
On XX/XX/XXXX, I made a purchase in the amount of {$30.00} and applied one of the codes funded to the amount of {$100.00}. On XX/XX/XXXXXX/XX/XXXX, I made a second purchase in the amount of {$38.00} and applied another {$100.00} code. On XX/XX/XXXX, I made a purchase of {$490.00} and applied the other two codes in the combined amount of {$130.00} to offset my purchase. However, the Guitar Center site would not allow me to apply the additional codes whose remaining balances are {$69.00} and {$62.00} respectively, for an unused total credit amount of {$130.00}. The site said the codes had already been applied and were not available.
On XX/XX/XXXX I called Synchrony Bank to resolve the issue to that my unused credit amount of {$130.00} could be applied to my XX/XX/XXXX purchase. A service agent at Synchrony Bank stated that codes can not be applied to cover more than one purchase. He stated that this information is posted on the Guitar Center site when promotional incentives are offered when making purchases like my original purchase that created these rewards.
To the extent that there may be any such text or explanation of terms and conditions describing the limited use of these Gear Card Rewards, stating that they are not in fact equivalent to their stated dollar amount values except under specific conditions, this consumer disclosure is well obscured or hidden. This is an abusve and dishonest marketing practice that Synchrony Bank refuses to remedy.
During my call with the service agent, I told him that I was filing this matter with the CFPB, and I asked him to please conclude our session so that I may be directed to the automated consumer survey that their system says will be available at the end of the call if I stay on the line. He ended the call. I was not directed to a survey. Instead, some other agent spoke on the line and said, " Hello? '' I told her I was holding after a completed service call to take the customer survey. She told me to please wait on the line to that I made take the survey. I was then immediately disconnected.
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently became aware of incorrect information on my credit report in regards to a PayPal Credit Card. Apparently that card was taken out in XXXX. Payments were made on the card ( not by me ), but subsequently, the person who initiated the charges stopped paying. Somehow, this card and charges have been inaccurately associated with my credit report. When the person stopped paying, Synchrony charged it off and sent the account to XXXX XXXX, a debt collector.
When I have contacted PayPal Credit, by phone, no agent will speak with me because they can not identify me as a PayPal Credit cardholder ( I do not have the complete account number and my name does not match ). As far as I can tell, neither my correct address, nor my correct name is on the delinquent PayPal Credit Card account with Synchrony Bank.
Using this inaccurate information, Synchrony Bank has decided I am a credit risk and preemptively closed two of my accounts that were never delinquent and that have been paid on time - a Care Credit Card and a TJX Rewards Card.
The PayPal Credit Card account should never have been associated with my credit report if the information does not match. The name used to open the card is not my name and the address used to open the account is one that I have not lived at since XXXX.
I sent this information to Synchrony Bank and asked them to initiate an investigation of the account so that they could remove the damaging information from my credit report.
On XX/XX/XXXX, I received an email from Synchrony bank making reference to the Care Credit Card account that Synchrony Bank closed. This was not the PayPal Credit Card account that I am disputing should not be on my credit report.
If anyone at Synchrony Bank had taken the time to actually read my letter they would have recognized that it is the PayPal Credit Card charges that I am disputing and not a Care Credit Card that has a {$0.00} balance on it. Why would I dispute that account?
To make matters worse, Synchrony Bank has now informed the three Credit Bureaus that they have resolved my dispute and that the charges are accurate! And they have not investigated the account I am disputing!
I am asking that Synchrony Bank initiate an investigation into the PayPal Credit Card associated with my credit report. I never opened the account in XXXX, never paid on that account, and have never received a bill from Synchrony regarding that account.
That card should never have been associated with my credit report.
|
| 10/08/2023 |
Yes |
- Credit card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I am remodeling my kitchen and the total cost exceeds {$25000.00}. I applied for a Lowes credit card, issued by synchrony bank, in late XX/XX/. I was approved for a credit limit of {$4000.00}. I mailed a check from my personal bank account for {$21000.00} and synchrony bank cashed the check on XX/XX/. It cleared my bank account on XX/XX/ XXXX The funds were not available right away, so I charged close to the {$4000.00} limit on the card and paid for my cabinets from Lowes on my XXXX card. This left a large credit balance since I was unable to use my Lowes card for my cabinets and countertops as I had planned. A few days later, synchrony bank closed my Lowes card stating that the transaction was possibly fraudulent. The closure of the account trapped my credit balance refund on the card and even though I have asked several times for a credit balance refund, synchrony bank refuses to return my money. They act as if I am a criminal when I was just trying to make one payment to my credit card to cover my entire kitchen project. If they had kept my account open, I would have purchased new countertops and new appliances, using part of my credit balance up in the process. Synchrony bank will only communicate with me by letters sent via US Mail, which take weeks to get to me, delaying my responses. I can not respond to a letter request until I get it in the mail. I sent a secure email message to synchrony bank with the check image proving it had cleared my bank, but they refuse to accept it. I also had my bank fax over a copy of the same check, hoping if synchrony bank had proof directly from my financial institution, it might move things along. Synchrony bank claims to not have either copy. I am being forced to provide copies via US Mail, which means I have to wait weeks for my refund. The bank is purposely delaying the return of my money for no valid reason. I am paying interest on my other credit cards because I need that money to pay the other creditors off. It has cost me over {$500.00} in interest so far. I am very angry that synchrony bank is doing this to me. I had an Amazon Store Card issued by synchrony bank for almost 10 years, so I was already a customer of synchrony bank. I paid that card faithfully, in full every month with XXXX late payments. That alone should show that I am a trustworthy borrower. I have just today closed my amazon store card. I refuse to give synchrony bank and more of my money. They have lost my trust and they will never get it back.
|
| 12/21/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX XXXX reporting agencies XXXX XXXX XXXX
This item in specific detail retailer installment account last four # XXXX at XXXX XXXX XXXX XXXX is not delinquent and is inaccurate because pursuant to " Cal.Civ. Code sec 1810.4 '' ( " The finance charge shall include all charges incident to investigating and making the retail installment account. No fee, expense, delinquency, collection, or other charge whatsoever shall be taken, received, reserved, or contracted by the seller or holder of a retail installment account except as provided in this section. '' ) Also according to " Cal Civ Code Sec 1788.10 '' ( " No debt collector shall collect or attempt to collect a consumer debt by means of the following conduct : ( a ) The use, or threat of use, of XXXX XXXX or XXXX or any criminal means to cause harm to the person, or the reputation, or the property of any person ; ( b ) The threat that the failure to pay a consumer debt will result in an accusation that the debtor has committed a crime where such accusation, if made, would be false ; ( c ) The communication of, or threat to communicate to any person the fact that a debtor has engaged in conduct, other than the failure to pay a consumer debt, which the debt collector knows or has reason to believe will defame the debtor ; ( d ) The threat to the debtor to sell or assign to another person the obligation of the debtor to pay a consumer debt, with an accompanying false representation that the result of such sale or assignment would be that the debtor would lose any defense to the consumer debt ; ( e ) The threat to any person that nonpayment of the consumer debt may result in the arrest of the debtor or the seizure, garnishment, attachment or sale of any property or the garnishment or attachment of wages of the debtor, unless such action is in fact contemplated by the debt collector and permitted by the law ; or ( f ) The threat to take any action against the debtor which is prohibited by this title. '' ) I am requesting that XXXX XXXX have the delinquencies removed and account updated in accordance with Cal Civ Code sec 1810.4 and sec 1788.10.
Attached are copies/exhibits of documentary evidence with description, supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them correct the disputed item as soon as possible.
|
| 01/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I made an online purchase a generator on " XXXX '' for {$110.00}. Since I did not receive any email correspondence as to proof my purchase over XXXX hour my purchase and the fact that I saw full charge has gone through my payment account, I checked back with the aforementioned website only to find out it had gone dark. In fact it never re-surfaced anymore. As of today, XXXX XX/XX/XXXX I have not received any mail, email and or other type correspondence for purchase confirmation, order or shipping status. Several attempts to find the vendor online came back empty. I reported the irregular activity to the PayPal a few days following my order. I disputed this purchase on the grounds that I NEVER receiving my purchase. They initially reverse the charge pending investigation and by the end of XXXX they place the charge back without and explanation. So I refiled my dispute on XX/XX/XXXX. On XX/XX/XXXX, I received a response from PayPal Credit Dispute Department, with a USPS XXXX information allegedly proving shipment of my order. Clearly as I had never received any shipment I contacted our town 's XXXX post office. Upon my investigation at XXXX XXXX XXXX XXXX XXXX, it was determined the tracking information points to totally wrong address. ALSO USPS assured me the item mailed has been a flat ( letter, post card, small envelope ) of only XXXX. This is when the item I purchased is the size of a small ice cooler and weighs about XXXX. Please see attached USPS produced shipping transcript corresponding to that tracking number and manufacturer 's spec sheet.
On XX/XX/XXXX, in the advice of one PayPal Credit Dispute Department supervisor I mailed all supporting documents that proved my case. Since that date I have spoken twice ( XX/XX/XXXX and XX/XX/XXXX ) to the PayPal Dispute Department and and every time it was elevated to the highest supervisor level, and both times they were able to pull up the documents I sent, and assured my that my documents are complete and sufficient to kick the case out and resolve it in my favor, however I am still being force to pay the charge and am being charge 23.99 % interest on the remaining balance.
They know full well this was a bogus online site and they charge my account without ever planning to send me any such item. My research online showed the address from which the item allegedly was shipped has several similar complains. This is clearly their modus operandi because they've realized PayPal will not go after them.
|
| 05/18/2015 |
Yes |
|
|
|
Web |
|
|
NOTE : The Card number may not be complete as I did not receive the card at all.
Around XX/XX/XXXX I applied for Old Navy Credit card at a store in XXXX NY. The purchases I made that day we paid through my debit card and was not charged to the new credit card. It was just an application.
Early XX/XX/XXXX, while trying to get a car loan, I was made aware that I have negative reporting by Synchrony indicating Charge off and Late payments. I list below the events that occurred and incorrect management of the account by Synchrony.
Upon understanding of the negative reporting I immediately called Synchrony.
XXXX Synchrony asked me to call XXXX as the account was sold. XXXX did not have the account active on their systemb. Escalated back to Synchrony on what the balance is and why is reflecting on my credit report. Nobody could explain the balancec. Continued follow up until Synchrony had to re-purchase the account back from XXXX XXXX associates.
XXXX The account was reported Charge off around XX/XX/XXXX and XXXX XXXX this Seriously impacted my credit.
XXXX With various follow ups I was given to understand that there was a balance of about {$59.00} on the account however they could not explain why until the account was activated.
XXXX Finally, i was given to understand that an application fee of around {$14.00} was assessed on the account and all other fees were additional late charges.
XXXX Synchrony waived the charged and I paid {$14.00} and change on the account with the expectation that Synchrony correct the report and delete any negative reporting. This was committed by the agent on the call.
I never received the credit card from Synchrony. I was told it was returned for incorrect mailing. They did not send me any notifications or statements, nor did I receive any calls. Synchrony charged off my account and sold my account. I also did not receive any notification from the new purchaser. This is complete mis-management of the account and this lead to me having to agree to a high interest rate on my new car. In my XXXX years of credit history I have NEVER been late on any of my accounts and would have not on mere {$14.00} if Synchrony had managed the account well. Apart from a few agents at Synchrony Bank, most of them did not care for customer concern even after explaining on multiple occasions, what the background was. Over the last 6 months I would have paid over {$300.00} extra on my car loan interest due to this mis-management and credit reporting.
|
| 11/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXX XXXX refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report.
XXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXX XXXX continues to violate my rights according to the FCRA.
XXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review.
Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX.
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt.
Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature.
XXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.
|
| 06/10/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
For more than 6 years I have a Freeze on my credit report and on XX/XX/2021 I placed a Fraud alert in all the credit report companies as well as banks. The Thief that stole my identity locked my XXXX, XXXX, amazon, XXXX email ; he or she changed all my two-way verifications and the recover a count information. He even used a debit card account ending in XXXX with XXXX to lock the account. I have reported all this activity and NEVER taught that the credit bureaus fraud alert, freeze alerts can be changed so easy by a Thief, but you all are giving me a hard time. In XXXX my wife and me were trying to log into the XXXX account and noticed all my info was changed and I was locked out of it. I was trying to make payments on all my credit cards, and I could not access them. I immediately contacted all the credit cards and mail them the prove they asked for to prove I am who I am in XX/XX/XXXX while I was at my daughters graduation my wife received an alert that my email information and 2-way verification as well as the recovery information was changed. The following information which is NOT MINE but has been used by the THIEF : email : XXXX, XXXX @ XXXX ( at XXXX ), XXXX ; the following phone numbers are being used : XXXX, XXXX, XXXX ; the following mailing address has been used ; XXXX XXXX XXXX XXXX XXXX , Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have NEVER lived in XXXX XXXX, Texas. Last thing they did is they charged {$3.00}, XXXX at Amazon and used my bank account that was on XX/XX/2021. I have NEVER bought more than {$200.00} at once in Amazon in my life. I have been trying to close XXXX, amazon, XXXX and the companies said they must investigate first in the meantime the Thief is having a party at my expense. I just noticed you all have unfrozen my credit, took away the fraud alerts and I HAVE NOT AUTHORIZED any of this!!! I was trying to change my email address when I noticed I can not do so because the THIEF has changed everything to his/her information. NICE!!! Today I received a letter that I am responsible for {$3100.00} of goods from Amazon that I NEVER ordered or received and which I reported immediately that my identity was stolen. Even worst I have called numerous times to Synchrony Bank and proved my identity over and over ( my address ) the thief call and changes my address again and again. Whoever knows someone at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX, please report the people to the police as they are THIEVES!
|
| 03/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I applied for and received a Care Credit charge card app 4 years ago. It allows up to 2 years promotional balance with no interest fee if paid off by end date. It is ( was ) specific to medically related charges only. I did get a renewal card again app 2 years ago and renewing was no issue The process to renew this card was simply sign the back of the new card and call the 800 number to activate.
Several months ago I received a notice with a new card that told me to sign the back and activate as usual. I did so, thinking it was time for renewal again. There was the usual multi-page document enclosed which I BRIEFLY looked at and put aside. It said Care Credit on it so I followed their instructions.
When I was about to throw out the paperwork, I noticed something unusual. It was a notice on the very back that said once you signed up for this, you could not change anything. As i panicked and read further, I saw that it was now a XXXX XXXX Care Credit card and no longer offered the promotional balance as with the original Care Credit Card.
I immediately called the customer service number and was told since it had just been a matter of minutes, they would switch me back as I was such a valued customer.
This never happened. They told me they would re-open the original type card with a new account number which would take about a week. After two weeks I called to report I hadnt received my card and they said they were unable to reverse the error. I now was stuck with a XXXX I did not ask for or want with a revolving account. A totally different kind of card than the original Care Credit.
Both cards are identical other than the small double orange circle in the lower left. I never even noticed the symbol as I was used to the general appearance of my original Care Credit cards which is almost identical to this one And the bills also look identical. It doesnt even noticeably say XXXX anywhere on it.
I believe this is so deceptive of both companies. I dont even understand how they can combine like that. The address for the bill is the same. Theres no particular caveat when you open the envelope ; its still the same look as with the original card.. I tried cancelling it but I have the promotional balanced still to pay. And they will not let me open another Care Credit that IS NOT a revolving card.
These cards are 2 completely different animals providing a totally different type of service. It seems just another a bait and switch scam, Thank you for your attention.
|
| 03/04/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I have a Synchrony Bank card ( Care Credit ) and my payment due date on my account is on the XXXX of each month. I never been late or missed payments on this account and in XXXX, was the first time I made my payment a few days later on XX/XX/18 for {$73.00}, due to a payroll error with my employer. Since I never been late on this account, I was advised by a representative that a late fee would not be added to my account, however, on XX/XX/2018 would be added. In XXXX, due to an oversight, and still recovering from my reduced paycheck for the prior month, I didn't realized that I forgot to make my payment on XX/XX/2018 and on XX/XX/2018 when I logged on to my Synchrony Bank account to make my regular payment, I noticed my minimum due amount being really high, so I contacted Synchrony Bank and was connected with a representative named XXXX, who assisted me in removing the {$38.00} late fee that was already posted on my account on XX/XX/18. My XX/XX/XXXX statement was showing a total due amount of {$170.00} and she advised me to make a payment for {$140.00}, since both my payment and late fee reversal would total {$170.00}. I made the payment of {$140.00} and today when I logged on to my account to verify accuracy on my account after payment and late fee reversal were posted, I noticed that there is still a payment amount requirement in the amount of {$38.00} due on XX/XX/18. I contacted XXXX XXXX again today ( XX/XX/18 XXXX PT ) and asked to speak with a supervisor and was transferred to a male representative who introduced himself as " XXXX ''. I explained the situation and asked him how this situation can be corrected and he was not informative, and just told me that although there was a payment for {$140.00} and an adjustment for {$28.00} on XX/XX/18, I am still required to make the additional payment for {$38.00}. XXXX XXXX was unwilling to research further to give me the correct information and when I told him that information was incorrect and I was going to request assistance from CFPB, he was condescending and told me to go ahead and file a complaint if I wish to do so. I contacted XXXX a second time and was advised that the {$38.00} fee reversal was made for the XXXX payment and the XXXX late fee reversal promised by XXXX on XX/XX/2018 was never reversed. I am requesting assistance from CFPB on this matter, since I had no knowledge on this fee and miscommunication from representatives, and this error can result on a negative entry on my credit reports.
|
| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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This letter is regarding account # XXXX, which you claim my account was late 1 time. My Credit Card with a balance of {$250.00} account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
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| 04/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have a credit account with Paypal which uses Synchrony bank, they offer promotions such as six months with zero interest or zero interest with twelve easy payments. The problem is when I added auto pay I divided my balance by the number of promotional months and it would insure I would pay it off on time. When there is more than one promotion their computer allocates the payment not the consumer/me.
When I attempted to make extra payments I could not specify the allocation of where the payment would be applied. I called and complained and they told me I would have to call them next time and make a payment to control where the payment would be allocated. I tried that and the payment still was not applied where I wanted it. I also had made a purchase for 12 easy payments, every month the auto payment was taking two payments and not one and putting less on the balance that needed it most. I have been struggling with synchrony bank for three months now, each month I get frustrated and have to call several time in an attempt to correct the payment allocation only for the payment to get messed up again the very next month. The last time I got so frustrated that I called and attempted to pay off the balance, I stated that I only wanted to pay off the six month balance at least six times and it did not pay off the balance because it applied 1 extra payment to the 12 month payment loan, the 12 easy payments keeps taking additional payments from every payment, this seems illegal. Where are my rights as a consumer?
This seems unethical that the bank or its computer makes my decision for me and takes away my autonomy. It also feels like synchrony bank intentionally sets people/me up to fail so Synchrony can go back to the original purchase date and charge customers/me outrageous interest rates. I know if synchrony bank is doing this to me they are also doing it to many under served people. The only solutions I can think of is to never have more than one purchase/promotion at a time or cancel the credit line altogether.
Synchrony bank claims they are working on changing the computers algorithms and interface to offer the consumer control of their payment allocation rather than the computer deciding for you which currently works in the the banks best interest not the consumers. The customer service agent I spoke with stated that these kinds of things take a very long time to correct, hopefully enough people complain and give pushback to help them change it faster.
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| 12/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XXXX/XXXX/XXXX, I requested my due date be changed to at least the XXXX of each month. I enrolled in a debt management company that would collect funds from my account on the XXXX of each month and distribute to the creditors I owed. I received confirmation on XXXX/XXXX/XXXX that the payment due date and cycle dates had been changed and my next payment due date would be XXXX/XXXX/XXXX. I had hoped my XXXX statement ( received on XXXX/XXXX/XXXX ) would reflect that my due date was at least XXXX/XXXX/XXXX, but it showed XXXX/XXXX/XXXX, which I knew would not be enough time for the debt management company to send payment on time, but I figured the account would be current by XXXX/XXXX/XXXX since by then they would have received at least 2 payments from the debt management company.
On XXXX/XXXX/XXXX, I received a second billing statement with a payment due date of XXXX/XXXX/XXXX, despite having received a XXXX bill already on XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX. I contacted the company and they advised that because I changed my due date, it was normal to be billed 2 weeks later and have another payment due, despite being told my next payment would not be until XXXX. The company said there was nothing they could do as there were no fees to waive. I let them know I would be filing a CFPB complaint because this does n't seem to be correct and they still did n't take any action. I have changed the due dates on nearly all of my cards to work with this debt management company, and this is the ONLY one that has issued a statement twice in one month.
Because of how they double billed me in one month, my account is showing past due, which could jeopardize my standing in the debt management program and further negatively affect my credit. I should not have received a second bill in XXXX and this appears to be an error on their part that they are refusing to resolve. I have in writing what the next bill date will be and when my cycle would end from the representative who adjusted my due date and they refuse to honor it. This was stated by the second representative I talked to because the first assured me that my account was n't even past due- despite me clearly seeing online that the account was past due. It was only after I pushed her to review my account that she eventually escalated me to another representative. I know this is an unusual situation but I do n't think they fully understand what is happening and the billing error on their side.
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| 02/04/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period.
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed.
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. XXXX XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country.
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree.
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections.
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over.
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane.
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly.
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe.
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you
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| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This complaint is about Synchrony Bank and PayPal which used my credit report without my consent. What occurred is that Synchrony Bank indicated that they could not approve my PayPal account because it was not accessible, but after setting up payments for my daughters to pay two of her accounts which was XXXX XXXX and XXXX off in XXXX of XXXX Synchrony got access to my credit report then without my consent and added this account to my report in XXXX of XXXX. What occurred in XXXX and XXXX of XXXX XXXX requested for me to uploaded my DL and SSN because they claim something was wrong with my account which I did upload both of my DL and SSN number on their site through their resolution center. All this occurred and I just realize what all three companies did after my daughter applied for an apartment in XXXX of XXXX, which I set up payments for both my daughter 's account to be paid off for XXXX XXXX and XXXX. Not once did PayPal said anything about transferring an account to Synchrony Bank until I realize it was on my credit report.PayPal that issued my account was through XXXX XXXX and the base of the company was in XXXX XXXX California and XXXX Nebraska. After repeatedly asking XXXX how the use the information to come up with their investigation XXXX refused to give me the information and still have not received the information to this day. Now Synchrony Bank has just transferred this account on XX/XX/XXXX, to a new account but the other access to the statements I do not know what the account number is and never has known what the account was on the statements from XXXX of XXXX until XXXX of XXXX, which I think the account was actually in my daughter 's SSN. PayPal did this back in XXXX, in which a police report was filed back then someone opens a fraudulent account back the report number XXXXSo after PayPal requested my information in XXXX and XXXX of XXXX I filed another police report again in this same matter XXXX. This complaint is about XXXX XXXX, XXXX, and Synchrony Bank. This has been a 19 years process when I worked for XXXX XXXX XXXX after being laid off for a week I went back to work with my daughter 's SSN in the credit bureaus and changed at the Internal Revenue Service downtown XXXX XXXX XXXX XXXX XXXX Texas XXXX. Now XXXX has sent out 4 letters that I am not in their system. Now XXXX stated they can not find me in their system either. XXXX sent out a letter in XXXX stating that there is no report found for me. On this day of XX/XX/XXXX XXXX
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| 08/26/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX, I received a notification/alert from XXXX credit monitoring service that a new line of credit was placed on my XXXX, XXXX and XXXX credit reports.
The line of credit was reported by Synchrony Bank PayPal, who apparently purchase credit account back XX/XX/XXXX, and decided to report an account and claim the account was opened back in XXXX, and tried to claim Synchrony Bank had reported the account as far back as XXXX.
I immediately disputed this account with all three credit bureaus as fraudulent and not belong to me and asked for investigation and immediately removal. To date all three credit bureaus had refused to dispute or investigate the fraudulent account.
I reached out directly to Synchrony Bank and explained I did not open a line of credit with PayPal and requested to dispute this account as fraudulent and explained this purchased account was inaccurately listed as a line of credit.
Synchrony Bank is refusing to allow the dispute told the consumer due to the fact the account was opened in XXXX, and payment were made the consumer could not dispute the account which is direct violation of the FCRA.
PayPal fraudulent opened out a line of credit then years later sold the accounts to Synchrony Bank who is now holding the consumer responsible for their bad investments and denying the consumer the right to dispute fraudulent inaccurate information/account activity.
Synchrony Bank has quietly obtained several credit card accounts and now is the card holder for at least ( 4 ) credit card accounts where the consumer did not apply or consent to Synchrony Bank acquiring account which should be illegal.
Therefore, I am requesting an investigation into this practice of one bank assuming total control over consumer lines of credit without their consent and requesting the CFBP enact or enforce laws and provide consumer protection from this abusive practice.
In addition, I am requesting an investigation into Synchrony Bank dispute practices which placed roadblock resolving disputes in a timely manner effectively tying up the consumer line of credit and making the consumers to wait ( 60 ) sixty to ( 90 ) days before resolution.
I want this line of credit immediately removed from all three credit reports and want the CFBP to hold all three credit bureaus accountable for refusing to allow the consumer to dispute fraudulent accounts, investigate disputed accounts and facilitating this abusive practice of bank buying fraudulent accounts.
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| 05/19/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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I have kept calling numerous times to replace my credit card because it never arrived since opening an account with you, for mattress firm. I have dealt with nothing but incompetent staff and rude customer service every single f** time and today I finally lost it when your rep yelled, interrupted, and berated me for repeating to her MY ENTIRE ADDRESS once more, stating I saaaaaaaid the unit numberrrrrrr, not the whole address!!! whaaaaaaaaat is your uniiiiiiiiiit numberrrrrrr. Prior to this, she had confirmed it to me incorrectly and didnt even get the correct street number, let alone, the unit number so I KINDLY let her know that I would just be giving her my entire address ONCE MORE and she decides to XXXX interrupt me and act like shes Gods greatest gift and is doing ME a favor. I have had it with your customer support. I wish I could fix all these issues myself, online, but unfortunately my card never even arrived for me to even activate or view my online account and billing statements. Because of this, I have been missing paper statements as well and this is all getting reported to the credit bureaus through NO fault of my own. I have called at least four times, since opening this account to update my address since I did move ( & made you all aware ). I even called once last month and the rep stated that she would be moving my billing cycle/deadline to the following month and sending me out a replacement card, to an address that I confirmed THREE times. I asked her if I could make an early payment, in that case ( for the following billing cycle ) just to be on the safe and she took a {$100.00} payment. My card never arrived and I called two weeks ago, again, only to be told that it is still on the way ( rep didnt verify address or provide me with my billing statement information or anything ). To make matters worse, I am now finding out that this bill was due about a week ago, which I thought was what the {$100.00} were for. I now have no way to pay this besides dealing with these rude ppl and I now have late payments reflecting on my credit report. To make matters worse, my personal information is out there being compromised to random people. During this last call the rep literally said ohh that not what we have at all.
This isnt charity work. I am giving you my hard earned money in interest and entrusting you, as a financial institution, with my personal information, only for it to be dealt with by XXXX. Please fix this. Please fix your staff.
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| 06/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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SYCHRONY CARE Credit card that I have had for several years since approximately XXXX. This card was offered to me as another option for payment. This card is XXXX interest for a year if balance paid in full for people with excellent credit. I discovered on XXXX through an email from sychrony bank for payment due on fraudelent charges made on XXXX for {$3100.00} to XXXX XXXX and a 2nd charge for {$3100.00} to XXXX XXXX on XXXX, for a total of XXXX, I contacted them that same evening XXXX to report. I also called again to close on XXXX, XXXX and XXXX as I could still go in through the synchrony app and see my account was still open and new cards were being issued. I also did not ask for a new credit cards to be issued to me after I closed both Synchrony care credit o Synchrony home but they still issued Syncrony Home credit card to my home As I had informed them of a fraudulent address that credit card may potentially be sent to. On XXXX i also noticed that A Synchrony Home card/Rooms to Go was opened. I never requested this card to be opened and never got a card in the mail. This card was fraudulently charged on XXXX in XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, Tennessee for a total charged of {$7300.00}. I live in NY! I have sent each individual dispute forms for both Synchrony home and Synchrony care credit on XXXX XXXX for both cards by mail and both cards to confirm they received it by phone. My first claim for Synchrony care credit card denied on XXXX saying i authorized or beneffited from purchase, payments made by me and account opened for 12mths statements sent to me. I never got statements in the mail. I also never got an email like I have in the past sane day or so when a purchase is first made, alerting me that a purchase has been made on card. I have filed police report XXXX and FTC report on XXXX. This documents were all sent by mail. I also have a letter from dental office indicating that I have always paid my bills and last charge to Synchrony care was XXXX paid in full. I called on XXXX sychrony care credit and they confirmed that claim was denied. I requested appeal paperwork. I have not heard back regarding the Synchrony Home dispute claim. I sent A 2nd letter again disputing these charges XXXX thia time by certified mail sign receiptrequested. I have frozen all 3 creditors as I feel my social security number and information has been compromised. I will be contacting social security office as well. I have also put alerts on my credit.
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| 09/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2019 a hard inquiry from Paypal Credit appeared on my credit report. I called the company on XX/XX/2019 to ensure that no fradulent accounts had been opened in my name and to request that the inquiry that I did not authorize be removed. The individual I spoke with on the phone assured me that there would be no problem doing that and no further action would be required on my part. To this day the inquiry that I did not authorize still remains on my report. On XX/XX/2019 another inquiry appeared from XXXX. I had never heard of this institution before that time so I called to be sure that no fradulent accounts had been opened using my name. After speaking to an individual from XXXX I was informed that a fradulent account had been opened in my name with the incorrect social security number and that it would be closed immediately. I also ask to have the hard inquiry to be removed but was informed that I would need to authorize XXXX look at my credit report, creating yet another hard inquiry, in order for them to remove the original that should not be there in the first place. Several days later a welcome packet arrived in the mail from XXXX informing me of my new account. I sent an email to this institution on XX/XX/2019 to ensure that the fradulent account had been closed and to request that the hard inquiry that I did not authorize be removed from my report once again. A response was sent on the same day informing me that the account was indeed closed on the XXXX of XXXX when I placed the first phone call but I was told again that in order for them to remove the hard inquiry, that is on my report due to their mistake, I would need to authorize them to run my report or I could pull and submit a full copy of my credit report with the errors highlighted. I responded to this email on XX/XX/2019 inquiring as to why I should authorize something that seems so counterintuitive or mail such sensitive information to a company who has allowed a fradulent account to be opened so easily. As of this moment, I have yet to receive a respone to this email. I understand that hard inquiries stay on my report for a period of time before being removed, however, I feel that these extra hard inquires have brought my credit down and hurt my chances at getting a business and/or home loan in the near future. I also feel that, regardless of how long hard inquires stay on my report or who they are shared with, they should be removed immediately since they were not authorized.
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| 07/08/2015 |
Yes |
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Web |
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I got a Care Credit card at my children 's dentist office, we were told that we had a certain time to pay off and if it was n't paid off in a certain time then we would have to start paying interest. I ended up using the card again for other medical bills, and later found out that the money I was paying was going toward the most recent transaction instead of the oldest, so I started getting billed interest. So now I was paying on bills and interest that I should have never had to pay. I actually called a few times and customer service put my payments on the old transactions for me and actually told me that was what I would need to do in order to have my payments go toward the right transactions. And I actually found out that I was still paying on a bill for XXXX years ago that should have been paid off long before now. So basically since this company is making sure that it can charge interest from its customers even if they are never late and pay over the minimum payment. I also found out today that I was charged {$700.00} interest. When I called they said that it was deferred interest, but when I signed up for the card I was told that interest would be deferred for however long depending on the transaction amount and if it was n't paid off THEN I would have to start paying interest, not pay all the back interest. When I looked up the deferred interest time for my last bill for last summer that I am being charged {$700.00} interest on, it says that transactions {$2500.00} and over have a XXXX month deferment period, and I had at least a {$2500.00} bill, so why did I only get XXXX months? And now I wonder if all my bills were given less time then they say. Their bills do not break down every transaction you 've made so that you can see which transactions you are being charged interest on, just the most recent and a total of the rest. I have been misinformed, scammed, lied to, cheated. This company makes it impossible to even pay back anything on time if you have used the card on more than XXXX bill. Had I known how this company worked I would 've never gotten this card to help with medical bills! I got this card to help pay medical, dental, and optical bills for me and my children and to not have to worry how we are going to pay all of this, and now somehow I am paying XXXX and XXXX times as much because of the way this company is handling the billing. They get you to get their card and then make it impossible to pay it off without interest being charged.
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| 01/14/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Synchrony Bank is responsible for lowering my credit rating. They are lowering it not through me missing payments but by lowering my credit limit. I have not missed any payments with Synchrony Bank and every month they report paying as agreed to the credit reporting agencies. I applied for a card with Synchrony Bank during a time when my pet needed surgery. Synchrony Bank approved me for a line of credit of {$1600.00}. I did not need the full {$1600.00} and was carrying a balance on the card 50 % of the limit at its highest. Synchrony Bank evaluates the credit of their customers periodically. During my last evaluation Synchrony Bank felt as if my credit worthiness was minimal and my score was low. Synchrony Bank decided that because of this they would lower my credit limit to {$1000.00}. This decrease was 60 %. With me carrying a 50 % to limit balance month to month my debt to limit ratio was raised costing me XXXX points on my XXXX score. There was a point in time when I struggled financially due to other factors and I was late on bills and even filled XXXX. All of those things have been on my report since I applied for a Care Credit Account through Synchrony Bank. Synchrony Bank listed reasons as to why my limit was decreased : Lack Of Real Estate Secured Loan Information This is WRONG. I have a mortgage from XXXX bank that is serviced by XXXX XXXX Services. I opened the mortgage on XX/XX/XXXX and for the last 24 months it is paid as agreed. XXXX does not report my mortgage but XXXX does.
Too Many Revolving Accounts With High Balance Compared To Credit Limit This is correct but everything is paying as agreed and will be brought to a zero balance by the end of the 1st qtr of this year. If this is the case why would you lower my limit so that my credit file will reflect cards with high balances.
Too Many Bankcards With High Balance Compared To Credit Limit This is correct but everything is paying as agreed and will be brought to a zero balance by the end of the 1st qtr. of this year Too Few Accounts Paid as Agreed- there has been longer than 24 months since I had an account that was not paid as agreed I am in the process of improving my credit and on track to refinance and make major purchases in the first qtr of XXXX.
I am attaching documentation of my mortgage, and the part that Synchrony Bank plays in lowering my credit score.
I have 100 % of the time paid as agreed with Synchrony Bank and they should not do anything to destroy me financially.
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| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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XXXX has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an PayPal account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this Paypal account is was removed from the credit report. PayPal apparently sold the disputed debt to Synchrony Bank with full knowledge this debt was disputed as fraudulent not belonging to consumer then XXXX reinserted the dispute debt on the consumers credit report. I contacted Synchrony bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. Synchrony Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. XXXX has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an PayPal account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this Paypal account is was removed from the credit report. PayPal apparently sold the disputed debt to Synchrony Bank with full knowledge this debt was disputed as fraudulent not belonging to consumer then XXXX reinserted the dispute debt on the consumers credit report. I contacted Synchrony bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. Synchrony Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed it and it was remove from said report and XXXX illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want Synchrony Bank investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice.
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| 06/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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Good afternoon, Recently I have made several attempts to apply for the XXXX XXXX XXXX. According to XXXX 's Terms and Conditions, I am free to apply for this card as my account is in good standing. When I first applied for the card using my XXXX e-mail address, I was given the error that I already had a XXXX XXXX or XXXX XXXX linked to my account. This is not correct, and I am continuing to receive this error. My PayPal Extras Mastercard account that was present on this XXXX was closed and is no longer showing on my end. When I spoke with Synchrony, they confirmed that the account was closed as well.
The few times I have spoken with XXXX ( recorded on their end per their company policy ), I was told that the issue was with Synchrony, as they can also confirm that there is no PayPal Mastercard or XXXX XXXX account present on the XXXX XXXX account. There is a XXXX XXXX product on my alternate XXXX account, the XXXX account, but this is a seperate account that should not come into play here as it is on a seperate XXXX account. To be clear, there is no active credit product present on the XXXX XXXX account, yet I receive the error even after changing devices, logging out, logging back in, and performing basic troubleshooting steps.
At this point, I have spoken to both XXXX and Synchrony bank today and in prior dates. XXXX continuously pushes me back to Synchrony and Synchrony suggests that opening a new XXXX account is the only way to resolve this matter. This is not correct, and it is deceptive to display messages on my account and to my email address asking that I apply for this credit product to then tell me I am not eligible. On XXXX XXXX, there is a scrolling advertisement to apply for XXXX XXXX ; this is significant because it would not show on my account if I had an active Credit product already present, per XXXX 's original terms and conditions when I worked there XXXX years ago. For this ad to display, it confirms that XXXX shows that a Credit product is not active and it wishes for me to apply for XXXX. I am willing to, but only for the XXXX XXXX Mastercard that I am entitled to based on my XXXX account itself being in good standing and the Extras Mastercard account being closed. Thank you. Please let me know if there is anything I can do to assist in this investigation.
At this point, this XXXX complaint is being filed against XXXX and Synchrony bank for their inability to use their own terms and conditions to allow me to obtain this card.
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| 07/26/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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On or about XX/XX/XXXX of XXXX, I received a phone call from Synchrony Bank that I owed them {$320.00}.
I explained to them that I had paid the remaining balance on that account back in XXXX of XXXX and closed the account. The account was taken out by my wife around XXXX and upon her death on XX/XX/XXXX I had made every attempt to clear out any balances and accounts that she may have had.
I called Synchrony Bank on XX/XX/XXXX and made 2 payments by phone. One payment was for a monthly payment and the second payment was also made on XX/XX/XXXX for a payoff balance on the account and to close the account. That was the last time I had any contact with Synchrony Bank.
I remained at my home until I had sold it in XXXX of XXXX. I moved to another town and had all of my mail forwarded to my new address. During this time I had not received any correspondence from Synchrony Bank about any outstanding balance due.
It wasn't until XX/XX/XXXX that I had received a phone call from Synchrony Bank saying that I owe then {$320.00}. I told them that they were wrong because I had payed off the balance and closed the account back in XXXX of XXXX.
They have continued to send me letters demanding that I pay them the money. I have also received letters from a collection agency as well. I have been in constant contact with them trying to get this issue resolved, but after sending them proof of payments on the account in question they still demand that I pay them or they are going to report me to all of the credit reporting agencies for non payment.
I have sent them and the collection company proof of payment 3 times. I also found that Synchrony Bank waited 6 days to process an ACH payment, which if processed at the end of the work day would have shown that the payments were made in full to the account. By them not processing the payments until the XXXX of XXXX, they may have caused the account to get charged additional interest which it shouldn't have been charged.
The amount was for {$46.00} but because they never sent me a bill or made any attempt to contact me for over a year and a half, the amount grew to {$320.00}.
This is an error on their part and I or any other consumer should be forced to pay for their people making a mistake.
Why is it so hard for a Bank to admit that sometimes they do make a mistake and fix the problem?
I am forwarding a copy all of the letters and all of my proof that I have paid my debts and that I do not owe them anything.
|
| 09/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I originally found an account through Care Credit on my credit report in XX/XX/XXXX. The account had a XXXX balance and I contacted Care Credit right away and made a fraud claim with them over the phone. I never heard anything from them further regarding this account.
In XX/XX/XXXX I received a Care Credit card in the mail and again contacted them. This time the account had a {$12000.00} balance owed. I again made a fraud claim with them advising them I never opened the account or charged {$12000.00} at a doctors office. The advised this was not the same account as the prior incident and they would investigate. Again I never heard any further from them.
In XX/XX/XXXX I again receive a Care Credit card in the mail. I call them to see what is going on and they advised they had closed my prior investigation stating they confirmed my identity based on a fake identification shown by the " suspect '' and a " bio-metric '' video again provided by the suspect when she open the card. I was upset to say the least since I was never contacted to assist or provide any additional information. They advised I could mail or fax a copy of my driver license to them, which I did both. I also insisted on email or uploading that information and they said they do not accept documentation that way.
On XX/XX/XXXX I again contact Care Credit to see what the status of the investigation is. They advised that the investigation was again closed as they were unable to confirm that a police report was taken, they never received my fax or mailed documents and they attempted to contact me and the phone rang busy. I have no idea how any of that could be true. I was again advised to fax or mail my documents. I insisted on an email or load and was again refused. I asked to make a complaint further up and was advised that this employee would make the complaint for me and that the calls are monitored for key words of dissatisfaction and generate their own claims. Refusing to allow me to talk to anyone else.
With all that said I'm 3-4 months into an ongoing issue with this company who refuses to work with me or accept any of my documentation.
**I have also been in contact with the doctors office where this charge originated and they advised that after I notified them they cancelled the scheduled procedure with the suspect thus there should have been no charge on my account. I again reached out to them in XX/XX/XXXX and they advised they would contact Care Credit and clear this charge.
|
| 05/07/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
|
|
Made a payment to my Old Navy account run by Synchrony Bank accidently through bill pay in the amount of {$1600.00} XXXX XXXX. Still do n't have it back.
XXXX XXXX, I accidently made a payment through my online bill pay system at XXXX XXXX XXXX Old Navy in the amount of {$1600.00}. I had a XXXX balance with them since the card has not been used for sometime. Shortly after realizing I was missing additional funds from my account from making a payment to them and my original mortgage company I called XXXX XXXX to stop payment on the bill pay. They said they would n't be unable to as Old Navy has received my funds and I would need to work with them on the refund. Called Old Navy they said they would issue a check back to us. After several more calls. They said my account was closed and the fund are on their " general ledger ''. They would need proof the funds came from myself. Spoke with supervisor team multiple times. ( XXXX, XXXX, XXXX, XXXX ) Was requested to fax my bank statements and a letter over which was completed ( XXXX ). They said this was not enough, they requested I go directly to my bank and have a manager write a letter proving I made the payment. This was completed and faxed over as well, it included all dates amounts and account numbers. ( XXXX ) Still no payment was refunded. After several calls they stated the payments was made XXXX which no one could confirm. They said that they could not issue the check to me but would send it back to the bill pay servicer my bank used to pay them which was XXXX.
Was transferred multiple times to XXXX and my own XXXX. They both stated that they see no payment made from Synchrony Bank. They continually asked for payment confirmation. After several calls to Synchrony Bank and being told payment was made, I had to continually ask for confirmation which no one has been able to provide. On top of this they closed the account and every time I called they required I conference in my wife which works during these business hours. Trying to add me as an authorized user was useless because they said my account was closed, which we never requested it be closed. Needless to say I have spent hour upon hours trying to get my money back that they accepted on a now closed account.
Old Navy/Synchrony Bankacct # XXXXCustomer service line : XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) Case # numbers : XXXX / XXXX # XXXXMerchant Service Phone # XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX XXXX
|
| 10/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
This is a copy of a letter sent to Walmart/SynchronyXXXX along with their complaint form, in regard to a problem with my account : XXXX XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Florida XXXX Reference Credit Card Account Ending In : # XXXX To Whom it May Concern, I was checking my credit account with your company and discovered an error. I sent you two payments of {$220.00} to be applied to my account, one for my usual monthly payment and the other to be applied on the principal on the debt. Both payments were initially credited to the account on XXXX XXXX, XXXX. However, your accounting office, for some unknown reason on XXXX XXXX, transferred one of the {$220.00} payments to someone in XXXX, Georgia.
I called your offices about two weeks ago to make an inquiry on this transfer and was told it had been transferred to my old Walmart account to cover an outstanding balance on it. I informed the person I was speaking to that there could be no outstanding balance on that account, as the complete balance of it was transferred to the new card when it was issued. I was then told the money would be credited back to my account.
Since then, my normal monthly payment of {$220.00} was received and credited on XXXX XXXX, XXXX, but the {$220.00} that was transferred to XXXX, Georgia is still missing.
Nobody at Walmart/Synchony seems to know exactly where my money went, but I want it refunded back into my account immediately and applied toward the principal on my debt balance. At this time I am paying additional interest to you because of this error.
Sincerely, XXXX XXXX XXXX, XXXX.
______________________________________________________________________ Since then, this has occurred : ______________________________________________________________________ On XXXX XXXX, XXXX, I checked my Walmart Card balance and found out that my balance had gone UP {$360.00}. Instead of deducting the {$220.00} refund I SHOULD have been credited with, it was ADDED to my current balance along with an increase in interest {$3.00}. Maybe I was better off just letting them keep the {$220.00} I was cheated out of, because they have now cheated me out of another {$220.00} plus interest. My balance actually went up from {$6600.00} to XXXX. There have been no other charges made on my bill by me, but my bill has increased by {$360.00}.
Enclosed are copies of the printouts from my account online.
|
| 01/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I noticed a pending charge from XXXX for XXXX that was not mine on my credit card. I immediately called customer service. I was told that since the charge was pending, he would be able to stop it from being processed completely. I was then told to shred my card and that a new card, and a credit for the invalid charge would be issued. I was immediately locked out of my online account and mobile app. When the new card finally arrived XX/XX/XXXX and I was able to activate it and access my account again, I could see no credit had been issued. I called customer service again, again they wanted to shred my card and issue a new 1, after explaining that had already been done XX/XX/XXXX it was determined that no one had ever done anything about investigating/crediting the invalid charge. I was again assured it would be handled and that a credit would appear on my account within 24hrs.
On XX/XX/XXXX I called again when no credit was showing, again they wanted to shred my card and issue a new 1, I again explained that had already been done. I was again told no one had opened an investigation or issued a credit. For the 3rd time an investigation was supposed to be opened. I was then told by the fraud dept that they could already see it wasn't my charge, didn't have the correct authenticators, and shouldn't have been processed. ( same thing they said XX/XX/XXXX ). I was told I would definitely see the credit Monday XXXX. I was apologized to for having to call so many times and spend so much time on the phone ( this isn't a 5 minute call - usually atleast 45 min minimum per call ), I was told complaints would be issued for the previous service reps not initiating or completing the inquiry.
On XXXX I called again when no credit was showing. This time I was told, the inquiry was just opened and they have no information.
This is ridiculous - usually and even with this company in the past - a credit is issued within 24hrs. I know it may be a temporary credit if the investigation determines it, actually is your charge.
This is NOT the case in this situation. I have been told repeatedly that they can see this isn't my charge and did not possess the correct information to process to my account. I also never use this card for XXXX and don't have any transactions on my XXXX account with this dollar value. This is NOT my charge, NEVER was, and this fact has already been determined by numerous service agents, they just haven't followed thru to correct it.
|
| 10/04/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX, we purchased a RAF ( Right-Arm Facing ) ( XXXX ) order number is XXXX from online store https : //www.ashleyfurniture.com/sofa ( we have all the printed documents and evidence that we ordered this RAF sofa ). XX/XX/XXXX the sofa was delivered, I signed the paper that I got, but after unpacking, we saw that the sofa was LAF ( Left-Arm Facing ). Next day we went to Ashley store and they confirmed that we ordered the correct sofa and the error of the online store, but they could not help us since this is an online store and stationary stores do not apply to it, they also said that they can only be reached by phone. We tried to do this several times - but it is impossible. Then finally we contacted Ashley over live Chat and first they proved that we ordered the wrong sofa ( we have printed that chat ), but then they agreed that we ordered the correct one ( we have all the documents proving this ) and the error was on the web page said that the another couch will be delivered in a week and this one will be taken away. And since then, it has been impossible to get through to the Ashley and sign on, since then, the room has the wrong sofa and the packaging is kept in the pantry. In this regard, we opened a complaint to the Synchrony bank that issued the loan, and as it turned out later, this Synchrony bank and ashleyfurniture.com work together it is impossible to prove the complaint here as corruption, since they agree together. The Synchrony bank opened the complaint on XX/XX/2020 after 60 days there was no response. After they said to wait another 2 weeks, then they said that they themselves could not contact the seller. We called the Synchrony bank several times, then they said that they could not find complaints, then we still need to wait, in the end, not 60 days passed, but 120 days and they closed the complaint in favor of the seller. We do not agree since the Sofa was not replaced, and if they can not, we did not receive any full refund. Synchrony Bank close dispute for some unknown reason like can not judge the quality of merchandise receiver, while we did not get any exchange of our purchase and did not get full refund. We ordered correct sofa online, but get wrong one. ( we have all the documents proving this ). We can't get the truth for 4 months.
The bank now demands to pay money for a purchase that we did not order!
We do not agree with this!
Please Help!
My name is XXXX XXXX Credit card number XXXX Ashley Synchrony bank
|
| 01/22/2024 |
Yes |
- Credit card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I tried to pay my Crate & Barrel credit card with my savings account using their online portal on XXXX XXXX. It was rejected. I called them and they said that the account number was incorrect the representative said it did not matter that it was a savings account. I checked the account number and tried again. It was rejected again. I called again and they then told me that they did not take payments from a savings account. I said I could write them a check but it could not be processed as an ACH it would have to be deposited. The rep did not know how to tell me to do that. I reviewed my bill and there are instructions on the back of their bill on how to do this. You write a paper check and mail it to the address on the back in your OWN envelope. Which I did. I didn't even include a copy of my bill to be sure it would not get processed incorrectly. I put my account number on my check. Synchrony received my payment of {$4900.00} and attempted to process it as an ACH on XX/XX/XXXX. It was kicked back. At this point I had interest fees as well as late charges on this account. I called and spoke to them and they did remove the late fees and interest fees associated with my Crate & Barrel card. I paid the balance of the Crate & Barrel card in the amount of {$5100.00} on XXXX
I have two credit cards for two different stores with Synchrony. They closed both of these accounts which has affected my credit. I called and spoke to them multiple times and have spent HOURS trying to get this sorted. They said I needed a letter from my bank however when I called my bank my bank has no record of the check ever being presented because it was done ACH therefore there is no letter to write. I ask Synchrony for a copy of the deposited check to be mailed to me but that could not be done ( because it was tried to process ACH ). The funds were in both accounts both times I tried to pay! I really don't care about having these credit cards. However, I DO very much care about my credit. Number one, it does not state anywhere that you can not pay online using a savings account. I use this same savings account to pay my XXXX bill so I know it can be used for electronic payments. In addition to that their own customer service reps. ( one of which was a manager named XXXX XX/XX/XXXX ) doesn't even know this. Secondly, I followed the directions on the back of THEIR bill in order to get this paid not as an ACH. In no way should their incompetence be allowed to affect my credit.
|
| 08/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I have a credit card called " Care Credit '' from Synchrony Bank. ending in XXXX. I was affected by COVID-19 badly and called the credit card company to see what relief I can get. My card balance was on a zero interest rates due to promotions. I had six purchases on my card total. The 1st 0 % promotion was to expire XX/XX/XXXX This balance was {$710.00}.
On XX/XX/XXXX I called company and spoke with representative XXXX. Very professional and caring. She did 3 things for my account because I was affected by covid 19. ( 1 ) She waived my monthly balance, ( 2 ) she stated if I pay my overdue promotion amount {$710.00} by next month they will remove the finance charge of {$440.00}. ( 3 ) she also stated 3 of my zero % purchases will expire soon on XX/XX/XXXX, XXXX so she will extend its due date out to XX/XX/XXXX. Number 1 and 2 above was done successfully. The problem is number ( 3 ). My balance on my card should be {$5200.00}. When I checked the card i was charged {$760.00} interest for the 3 promotions that was due in XXXX but XXXX extended out to XXXX and then I was Charged finance charges for that amount of {$71.00}. I called company and spoke to representative XXXX on XX/XX/XXXX who stated give them 3 days to review the telephone call. I called a week later and spoke with supervisor XXXX XXXX who stated no it takes 3o days to review phone conversations not 3. I called back and spoke with supervisor XXXX, then representative name XXXX and all read the notes and see that the recordings revealed XXXX stating the promotion will be extended to XX/XX/XXXX. My question remains so if this promotion was extended why am I being charged the {$760.00} in interest and then finance charges for XXXX of {$71.00} ( which will inncur interest every month ) and my mininmum balance due amount is being increased and higher. THIS IS FRAUD.
I owe {$5200.00} they added on {$760.00} + {$71.00} now my balance is {$6100.00}. On XX/XX/XXXX I spoke with manager XXXX in the collection unit he just transferred me to a rep. name XXXX who stated she understood what I was s aying and could not understand either why I was being charged upfront for finace fees on interest that is prematurely being added to account before the due date of my promotion. I believe they are taking advantage of consumers during this pandemic. They keep transferring me and not assisting me when I call. I waited over one hour and the phone just disconnected i never heard from the credit card company.
|
| 06/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX vacation at XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, XXXX XXXX and used my XXXX XXXX XXXX which is supposed to provide a 3 % reward when used for travel. When I received my statement I noticed that I was only given a 1 % reward so I called XXXX XXXX ( XXXX XXXX ) customer service ( XXXX ) and spoke with XXXX on XX/XX/XXXX and she said she would check into it and correct it. I then received 2 letters dated XX/XX/XXXX from Synchrony saying the cashed earned balance is correct as previously indicated with no explanation of why I was not given the full 3 % reward. On XX/XX/XXXX, I spoke with XXXX who said that the sale was coded as insurance at XXXX and that I would have to get them to change the coding. I spoke with my travel agent XXXX at XXXX, who passed the info along to the XXXX billing department who stated that the purchase was not coded as insurance but was coded as a retail purchase, which is what XXXX uses for all travel purchases, and they said they have not had any problems with any other customers not receiving the proper rewards from their credit card companies. XXXX also recommended that I send a copy of my invoice to Synchrony. I called XXXX/Synchrony customer service again and spoke with a Supervisor ( XXXX ) on XX/XX/XXXX to pass along the info that XXXX did not code the purchase as insurance, I also asked him if he was aware that XXXX was a travel agent and he said he does know that is one of their business lines. He also stated that he could not correct the issue but that I could send the invoice to the General Inquiry Dept. at XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX. I sent a letter of explanation and a copy of my invoice in the amount of {$12000.00} by certified mail and it was received by XXXX XXXX at that office. I then received an email from that address, dated XX/XX/XXXX asking for more info by mail or to call customer service at XXXX. I called customer service on XX/XX/XXXX and spoke with agent XXXX and Supervisor XXXX, who both stated that there would be no change. I also ask what further information they were looking for and they had no answer other that to say that the purchase would only receive the reward at the 1 % level. I believe that I should have received a reward of {$360.00} and was only given reward of {$120.00} meaning that they are they are holding back {$240.00} which the invoice that I sent to them clearly indicates that the purchase made was for travel.
|
| 04/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
Sam 's Club advertises their Sam 's Club Mastercard, which contains various benefits for the consumer like 5 % cash back on gas. On their credit card advertising page they focus on the benefits of the Mastercard. They do highlight that the Personal Credit Card ( not Mastercard ) does not get you all of these benefits, BUT they never highlight that when you apply for the Sam 's MasterCard, if you get denied for it, that you will be AUTOMATICALLY applied for their " Personal Credit Card '' which contains none of the benefits.
To further clarify my point. They do indeed highlight that the " Personal Credit Card '' does not contain the benefits of the MasterCard BUT they do NOT highlight that you AUTOMATICALLY get applied to the " personal credit card '' if you get denied for the MasterCard.
This was very problematic in my case because I did not get accepted to the MasterCard offer, and got automatically accepted for the " Sam 's personal credit card '', when I was ONLY interested in the MasterCard options due to the cash back benefits. If I would have known that I was denied from the MasterCard option, I would have never applied for the " Sam 's Personal Credit Card '', since it does not contain the cash back benefits.
After realizing that I got accepted to the " Sam 's Personal Credit Card '' and not the MasterCard option, I called the customer service to ask for clarification on why I got approved for the personal credit card and not the MasterCard, when I thought that I was only applying for the MasterCard option. They ultimately let me know that when you apply for the Sam 's Credit Card online, if you do not get accepted for the MasterCard, then you automatically get applied for the " Personal Credit Card ''. This is something that is not clear when you are applying for this card. Even if you read the small grey print on the bottom of the advertisement page, they never clarify this point. If they would have clarified this, I would have never applied for their card in fears that I would have not been accepted to the MasterCard option, which is the only option that offers cash back benefits.
Ultimately, after realizing that I got accepted for a credit card that I did not believe I was applying to due to lack of clarity/information on the application and advertising site, I went ahead and canceled my account with them since I was not interested in that card. I do want to note that this all happened in the span of a single day ( XX/XX/2021 )
|
| 01/07/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Carecredit has a system in which you can do a 6 month interest free payment plan. If you have multiple promo purchase charges open they used to apply your full payment to the oldest/one that would accrue interest soonest, which makes sense and is how the customer would want to pay off. Now however, they've switched the system to spread your payment across all the charges. So if you had a {$30.00} expiring promo period and XXXX others not expiring for 5 months and put {$30.00} towards your card it would put {$10.00} to each rather than paying off the {$30.00}, allowing the one not paid to charge interest since the grace period then expired.
When working with the company they have informed me that every time I make a payment I will need to reach out to customer service to ask them to allocate the payment to the expiring promotional charge. Every time. This is not customer friendly, but I've attempted to do this and each time they have not followed directions and paid off XXXX and spread the rest ( after being told to apply it to XXXX specific purchases that were expiring soonest for example ). Then when checking back to make a payment later it is seen that the interest has been charged on the payment the customer has assumed has been paid off. In other words, the customer has to keep a keen eye on checking back and contacting again to be sure their payment is done properly or carecredit charges interest that the consumer may not notice unless they checking back. This makes it quite easy to take advantage of customers, especially those who may not be as careful. And as this card is touted as good for medical payments, this can be a large class of people that are easy to take advantage of.
This system seems to be set up for carecredit to make money off the interest charges that would otherwise not be accruing. My own payment has been fixed ( after multiple contacts with customer service and escalating to a manager ). I have put in complaints before but they only do it on their end and will not give you contacts to place your own complaint, so I'm not actually sure if complaints are actually ever placed with them or they just tell you they are to keep you quiet. I may have fixed my own issue, but I worry for the people that can't be as careful/on top of their payments that carecredit can take advantage of them too easily, since it does seem to be set up now for that to be the case. I hope someone can look into this as it seems quite predatory.
|
| 12/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XX/XX/XXXX, I was in the drive through at XXXX XXXX. I tried to use my Synchrony Master card to complete the purchase. It was declined. I checked my phone and their fraud department had sent me a text messages regarding purchases they flagged for fraud. I responded they were fraud.
Later I spoke with them, they cancelled the card, and I filed the report for unauthorized purchases. Synchrony advertises a zero fraud liability. They however appear to be operating in bad faith in an attempt to delay, deny, and avoid fulfilling that self proclaimed policy.
The matter still has not been resolved. On XX/XX/XXXX they issued a letter stating that I had XXXX $ fraud liability and that it may take up to 60 days to resolve this. On XX/XX/XXXX ( more than 60 days later ) they told me they denied the claim because I had received the item ( they provided no proof of this and I had not received the item ). I immediately contacted them again to remind them they had a zero fraud liability. They sent a letter on XX/XX/XXXX again saying I had XXXX $ fraud liability and it may take up to 60 days. On XX/XX/XXXX they again said, without providing proof, that I had received the item. I again immediately contacted them. They sent another letter on XX/XX/XXXX acknowledging my continued resistance to their attempts to make me responsible for a unauthorized purchase. I received a letter in the mail from them asking me to once again write out what I had told them many times before. I returned that letter this morning.
It seems to be the intention of Synchrony Bank to never implement their benefit of zero fraud liability. It appears as though they are acting in bad faith. Attempting to delay, defer, and deny coverage. XXXXXXXX XXXX XXXX XXXXXXXX is where these charges were made. I would assume that they have employees who are responsible for telling Synchrony that the purchase was valid as far they are concerned. It should be assumed that they will never miss the opportunity to dispute that this was fraud. It should also be assumed that if this pattern of Synchrony bank continues indefinitely it is guaranteed that at some point, I will be on vacation or unavailable in some manner and I miss a deadline set in place by Synchrony and they claim that I am responsible for the charge. This is not the guarantee that they promised. They did not state that a unauthorized charge maybe eternally contested. They stated that I would never be responsible for unauthorized charges
|
| 11/23/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I purchased a XXXX refrigerator at Lowes XXXX XXXX XX/XX/XXXX on XX/XX/XXXX opened a new credit account for a 5 % discount {$1000.00} I received a bill & in all good faith pre-scheduled a bank to bank electronic payment to Lowes/Synchrony Bank for XX/XX/XXXX which was sent. I did NOT receive the card yet.
XX/XX/XXXX Lowes could not obtain or deliver the XXXX refrigerator, canceled my purchase & credited the account.
I immediately advised Synchrony Bank on XX/XX/XXXX that Lowes canceled my only purchase from XX/XX/XXXX & I that I did NOT receive the card. They advised the card was mailed & authorized? with purchases on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in 2 Lowes Stores in towns out of my area? I requested a Fraud Investigation to be opened On XX/XX/XXXX I requested return of my {$1000.00} electronic payment due to Lowes canceled my XX/XX/XXXX refrigerator purchase.
Since XX/XX/XXXX to present Synchrony Bank after numerous requests, has NOT & refuses provided me any proof I received or authorized their card for use other than 1 one purchase when Lowes opened the account.
Synchrony Bank continues to block all my refund requests of {$1000.00} even with numerous documents including a Police Report filed on XX/XX/XXXX & sent to Lowes/SynchronyBank. At this time I believe that Lowes/Synchrony Bank employees are hiding something & /or acting in bad faith?
On one call they told me " the system '' shows the purchase was authorized on a cell phone phone, YET I sent my XXXX cell phone records & I MADE NO CALLS until XX/XX/XXXX the date I called Lowes/Synchrony Bank? When I called their phone system, it gave me balance & account information from an OLD closed account I had from a prior refrigerator purchase made years ago????
Lowes/Synchrony Bank continues to avoid giving me any proof yet they defame me with form letters stating I authorized, participated or benefited from these 3 fraudulent charges WITHOUT given me any proof, yet they keep opening new Fraud claims?
Lowes/Synchrony Bank repeatedly transfer me from one service team to another, claim that I am not responsible for fraudulent transactions YET the send my form letters and they REFUSE to show me any proof of their false defamatory claim that I made these unauthorized charges? Lowes/Synchrony Bank mailed a credit card that was stolen in the mail and Lowes/Synchrony Bank is TAKING ADVANTAGE OF ME. A senior and a long time Synchrony Bank card holder with multiple Stores. NOT ANY MORE!!!!
|
| 07/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
|
We originally opened an account with Lowes in XXXX XXXX for {$550.00} and paid down the account balance extensively during that time up to the point of our daughter being hospitalized for 34 Days including ICU for a major life-threatening medical issue and tried to pay through mid XXXX but could not make payments due to our daughters extenuating medical condition and financial circumstances due to a major job loss as well. This information was communicated repeatedly to Synchrony Bank and Lowes and was denied the access to receive a Hardship Program under the Credit Card Protection plan which would have released this debt. We were discriminated against in the process because we are XXXX XXXX and also U.S. Veterans who have served our Country well. Other Majority XXXX citizens are not treated this way and that is a proven fact based on statistics and research in the area of Credit Card Protection and Hardship Programs offered to them as opposed to XXXX XXXX U.S. Citizens.
I also reached out to the XXXX XXXX XXXX who Synchrony Bank sold the account to and raised concerns regarding the account balance and inflated interest rates and late charges which were incorporated into my account illegally. Synchrony Bank utilized false Misrepresentation tactics when they denied us access to the Credit Card Protection Plan and illegally denied us access after I was told to raise the concerns in XXXX when I reached out to them amid my daughter being released from the hospital. I also sent them a letter in XXXX of XXXX as well regarding our financial extenuating circumstances. I also raised the concerns regarding the Credit Card Protection Plan in the portal which were instructed to do by a Customer Service Representative for Synchrony bank. However, no one reached out to us to resolve my concerns with this matter and it still has not been resolved to this date.
Also, I requested that XXXX & XXXX XXXX firm to reach back out to Lowes/Synchrony regarding a reconciliation account payment register and was denied this information today as well. We do not owe this debt because we were denied access to the Credit Card Protection Plan and we exhibited an extenuating Medical Circumstance regarding our daughter and was denied debt forgiveness, although Synchrony and Lowes have forgiven others of their debt even without a Credit Card Protection Program with this type and/other extenuating medical circumstances. They just refused to release ours because we XXXX XXXX.
|
| 10/20/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have two accounts with Synchrony Bank for a store called XXXX XXXX. One account has my husband as the primary and the other has me as the primary. We have been paying these cards down for over a year and on XX/XX/2020 I overpaid my husband 's account by {$440.00}. I realized this and called Synchrony Bank on XX/XX/XXXX. I asked them if they could move that money over to my primary account and they said no. They said we only refund through checks. I waited four weeks and no check came. During that time we did not have funds for my primary account to get paid and I received a letter saying my credit limit went down {$3000.00} and I was reported to the credit bureaus and received harassing phone calls daily. We are down one income and Synchrony bank purposely XXXX me. I want my credit limit back up, the credit bureaus told it was their fault and made right. On XX/XX/XXXX when I called into synchrony about the overpayment, they said they would send out a check to be here within 7-15 days. I said ok. I counted on that check and because we didn't have the money in our account at that time, we were charged {$200.00} bank fees. On XX/XX/XXXX I believe it was I called synchrony bank back and told them I never received the check. I told her to overnight it to me as I needed the money and she said no, they don't do that. They will send out another check which I will receive in 7-15 days. They refused to overnight it again even though it was their error. Today is XX/XX/XXXX and I called again only to be told oops, they did mail it out, but not sure what happened. During these three months I have received every statement for each month without a problem, but no check. I am told constantly that it can't be their XXXX up and it must be the post office. I'm sorry, but everything else makes it to my mailbox so doubtful two checks just didn't get here. this is a multi-billion dollar company that uses offshore assistance to save even more money and they can not handle giving someone their money back? They XXXX me one way and now another. Their interest rates are already appalling. This is theft and fraudulent accounting to credit bureaus. Why do you let them get away with this? At this point I should be able to get a check overnighted or a transfer of funds back into my bank account since that is how they are paid. During covid they have no ability to do be honest, do their part as best they can and give grace to customers that they have made plenty off of.
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| 11/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
Servicemember |
|
On XXXX XX/XX/2022, between the hours XXXX - XXXX my XXXX located a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX # XXXX ) that was advertising an adoption for a puppy. The cost was {$300.00} each for a puppy that was vaccinated with paperwork. She negotiated the price down to {$100.00}. My wife then used her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in her phone and sent XXXX {$25.00} in earnest to hold the puppy until we were to meet XXXX at a XXXX XXXX out side of XXXX, XXXX. During such time My XXXX tried to close the deal over the phone by paying XXXX the XXXX paper transfer fee '' of {$33.00} so that XXXX could release the puppy to my XXXX. My XXXX tried for 3 hours to send over and over again the {$33.00} without success. She tried sending it in different amounts using PayPal " family and Friends '' and XXXX XXXX along with her XXXX XXXX. The amounts are these : PayPal credit : {$290.00}, XXXX XXXX {$400.00} and XXXX {$170.00}. We have screenshots of all the transactions as they were taking place in real time. This is our evidence. Later once we arrived home, we started to look into XXXX account of XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All were gone! We then tried to contact my voice using the phone numbers from the cash app accounts. Both had been disconnected. We then tried to email the scammers. The emails went unanswered. It was then, when we read about the Pet/puppy Deposit Scam. We got a rude awakening and a fast education. We tried to resolve the matter with the credit union in which we are both members of and under Mastercards rules were denied chargeback of the amount of {$260.00}. PayPal closed their investigation on account of their being an investigation going at the same time with our XXXX as did XXXX. We have not heard from XXXX at the time of this writing. SO far, they have taken the {$400.00} out from the account balance owed in lue of their investigation.. It would seem that everyone involve who perpetuated this scam have gone into the wind. We are left with dead ends as far as contacting them and {$960.00} poorer. Please help us with the crediting back of the loss.
The suspected bad actors in this case are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
In approximately XX/XX/XXXX, I opened a credit card account with Synchrony Bank to cover sewer repairs for my home. After being notified that I had been approved, I never received any further communication from Synchrony.
Approximately XX/XX/XXXX, I received a call from a representative from Synchrony saying that the first payment was due and I could pay online. I had to be notified by phone because I never received a statement nor credit card.
Since XX/XX/XXXX, I was making my payments online, with no further communication with Synchrony. When I paid my bill on XX/XX/XXXX, I noticed that the balance had doubled from {$4000.00} to over {$8000.00}. When I called to inquire why, I was told the interest had been added to the account because the promotional interest rate had expired.
My issue is... I never received any communication from the company ; never received a statement nor a credit card since taking out the loan. Had I received any statements from the company, I would have known the promotion was expiring, and based on my excellent credit rating, I would have transferred the loan to a personal loan and not accrued the over {$4000.00} interest that negated all the payments made for 1.5 years that lowered the remaining balance to half of the loan amount.
When I called on XX/XX/XXXX and was connected to a manager, I was told I had activated a card that I have never, to this day, received and that I enrolled in electronic statements, which I did not and also have never received by email. Based on the fact that I would have had to activate both the card and electronic statements, and I did not, it should not be hard to prove that I did not activate nor receive the statements nor credit card. When I expressed this to the manager and informed him that, if calls are recorded, as they claim, their should be proof that I did not call to activate a card. Additionally, there should be a record of the initial call that I received to be informed that the first payment was due because I never received a statement to inform me. When I relayed this to the manager, he hung up on me.
I called back and tried to speak to a different manager who told me the same thing -- that I had activated both actions -- upon which time I informed him I would be filing a complaint with the Consumer Financial Protection Bureau.
I simply want the interest charge reversed, at which time I can transfer the loan to a personal loan and be done with Synchrony Bank.
|
| 02/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
I believe SYNCHRONY BANK violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case SYNCHRONY BANK revoked my credit. Shown in exhibits.
I believe SYNCHRONY BANK is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.
Fact, SYNCHRONY BANK did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.
Fact, SYNCHRONY BANK violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XX/XX/XXXX. I believe SYNCHRONY BANK is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.
This is my second affidavit of truth being served to Synchrony Bank my first affidavit has been ignored. File uploaded will include my first and second affidavit.
|
| 12/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American |
|
Dear Sir : I wish to bring a matter concerning Synchrony Bank to your attention. Over a year ago I opened a credit account with Snynchrony Bank for {$1200.00} in Dental expenses. The account offered 0 percent interest if the amount was paid in full within 18 months and punitive interest rates on the whole amount if not paid in full. I understood that. Synchrony never sent me any statements, instead they sent monthly emails listing my balance and a " Total minimum payment due. '' The email offered a link to my statement if I wanted to take the trouble to go to their site log in, password etc which I recognize I should have done. In fact in spite of my knowing that this was designed as a snare for the unwary, I allowed the period the grace period to expire. My fault, they won.
Except : every email stated a minimum payment due which I was always careful to meet and usually paid more than the minimum.
From XXXX : The minimum monthly payment is the lowest amount a customer can pay on their revolving credit account per month to remain in good standing with the credit card company. Making the monthly minimum payment on time is the least a consumer needs to do to avoid late fees and to have a good repayment history on his credit report.
I call your attention to the part of the definition of minimum payment above that says : " the least a customer needs to do to avoid late fees. '' I say that including a minimum payment amount in the email and no other information is misleading.
If they had not listed a minimum payment in their emails, I would have had to seek out the statement and realized the situation. Or if they had mailed paper statements, I would have caught it. I admit it, I was lazy and too trusting. Whether they were deliberately misleading to the point of crossing the line from merely unethical to actively fraudulent I leave to you as a disinterested observer.
Thank your for your time, XXXX XXXX mail : XXXX XXXX XXXX XXXX XXXX OR XXXX email : XXXX phone:XXXX extracts from 2 Snychrony emails for reference : From Synchrony ; XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$580.00} Total Minimum Payment Due : {$27.00} Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details.
XXXX Here is a summary of your statement : Payment Due Date : XX/XX/XXXX Statement Balance : {$1000.00} Total Minimum Payment Due : {$34.00} balance {$580.00} interest {$460.00}
|
| 09/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
XXXX XXXX is defrauding consumers by not awarding points according to a promotion 's terms.
I have an XXXX XXXX Visa card. They run a promotion several times a year, and each promotional period they cheat me and other card holders out of hundreds of points.
The promotion states that for 3 months, the credit card holder will receive XXXX additional points each day they use the credit card for a purchase outside the XXXX XXXX brands.
During the most recent promotion, on 8 separate days when I USED my card ( that is, took it out and made a transaction ), I did not receive the XXXX points. My account summary shows incorrect transaction dates. I called customer service and provided details of each transaction and requested the missing XXXX points. I received a letter dated XX/XX/18 stating their points were correct and they would not be issuing me the missing points. I filed a complaint with the XXXX XXXX XXXX. In response, Synchrony sent me a letter insisting their records are correct and they were going to give me XXXX extra points as a " courtesy. '' They stated they go by " transaction date '' in rewarding points. I tried to tell XXXX XXXX in this complaint that their " transaction '' dates do not correspond with the dates I " USED '' my card ( which is the wording in their promotion ) and that I had proof. They were unwilling to look at my proof. Synchrony sent me a print-out of my activity summary, including transaction dates. I will use their own printout and my receipts to prove they are intentionally defrauding consumers. I am attaching their letter to me and two sheets they sent me showing how they awarded points based on transaction dates. Two examples : Note their records show a transaction date of XX/XX/XXXX for Lowe 's at {$5.00}. Note that my receipt shows I USED my card on XX/XX/XXXX ( NOT XX/XX/XXXX ). And Synchrony Bank 's records show they did not give me the XXXX ponts for USING my card on XX/XX/18. Another example : Their records show a {$3.00} Walmart transaction date of XX/XX/XXXX. My records prove I actually made that transaction -- aka USED my card -- on XX/XX/XXXX. So instead of giving me XXXX points for the Lowe 's transaction that actually WAS done on XX/XX/XXXX, they wrongly applied the XXXX points to the Walmart transaction and did NOT give me the XXXX points for the Walmart purchase on XX/XX/XXXX. That's called fraud. The last two times they ran this promotion, they also cheated me out of hundreds of points.
|
| 02/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.
|
| 01/23/2016 |
Yes |
|
|
|
Web |
|
|
Today XXXX Friday XXXX XXXX, XXXX Dear CFPB, I have recently opened a Toys/Baby 's R Us Account in XXXX XXXX for XXXX. This month I should have receieced a statemten from Synchrony Bank for payment on this Toys /Baby 's R Us Account. Today I recieved an Email from Sychrony Bank for the purchase of the {$250.00} made on XXXX/XXXX/XXXX at T/B R US. The statement however was not my initial syatement requestin payment however, it is a states : " Payment not received '' " Dear XXXX XXXX, '' " RE : Your R Us XXXX ( XXXX ) Account ending in XXXX '' " This is a notification that your R Us XXXX ( XXXX ) account payment is past due and a late fee has been assessed. Making a payment of the total amount due now will help you to avoid additional fees. Please disregard this notice if you have already made your payment. '' " You can make a free online payment now by signing into your account. '' " If you can not make a payment of the total amount due today, or need assistance with your account, please contact us at the number listed below. '' I never received my initial statement via Email or otherwise.
Synchrony Bank has already charged me the {$35.00} late fee.
I have a XXXX card and A XXXX Card, they mail me through the US Postal Service my statements at least 10 days before its due to advise me " You have a payemt due on this date in the amount of XXXX I also have a Pay Pal account to which I receive through my Email and I get that well ahead of time noticing me .. '' Your Paypal Statement is ready '' and " Your Pay pal Statement due date is coming up ''.
I do not understand why this company can not have the courtesy to consumers by sending out statements ( especially by email ) a sufient timing to pay ; not after its due? This whole time I have been expecting my card and statemtent into the mail through the U.S.P.O not through Email. Not to mention that I did not recieve my credit card.
I can also state that I am not the only consumer whom has had issues with this Synchrony Bank. I believe their needs to be an investigative audit on their practices financialy andand. More so how they treat consumers. Has customer service stooped so low that consumers ( Whom pay for services/items ) deserve to be treated so horribly and harrased by credit companies instead of treated with respect and given a breakbreak especially as a " New, Loyal and or Long term customer? '' Please look into this because ALL I want is the late fee waived for their dishonesty.
|
| 07/17/2015 |
Yes |
|
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|
Web |
|
|
HELLO.
THIS PARAGRAPH IS SUPLIMENTAL TO THE ONE BELOW.ON PAGES XXXX THRU XXXX IT IS CLEARLY INDICATED THAT I WAS CHARGED FOR NOBLE MATERIAL AND I WAS PROVIDED SEMI PRECIOUS.AS SEEN IN THE DOCUMENTS PROVIDED YOU SEE THAT THE XXXX XXXX AGREES WITH MY ARGUMENT.UP TO THIS DAY THE PHYSICIAN HAS FAILED TO PROVIDE THE CERTIFICATION OF ANYTHING ON THE XXXX POST.IHAVE SPOKEN TO THE OTHER AGENCIES AND THEY SAY IN CASE OF INSURANCE THIS WOULD BE A PERFECT EXAMPLE OF INSURANCE FRAUD ; SINCE THERE IS NOT INSURANCE INVOLVED THIS IS DEFINITELY A COMPLETE VIOLATION OF CALIFORNIA XXXX XXXX XXXX AND COMPLETE BREACH OF CONTRACT.I NEED A SERIOUS AND IMMIDIATE ATTENTION TO THIS MATTER PLEASE.WHEN I RECENTLY SPOKE WITH REPRESENTATIVE SHE SUGESTED THET I RESUBMIT THE COMPLAINT.
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX IN MY XXXX. I JUST WANTED THESE XXXX OUT AND REPLACED WITH COMPOSITE XXXX. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED XXXX AND XXXX. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR XXXX AND XXXX. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS SEMI PRECIOUS MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS SEMI PRECIOUS AND I HAD REPAIR BILLS FOR XXXX OF THE XXXX I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN XXXX. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED SEMI PRECIOUS AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY XXXX. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE XXXX HE HAS DONE NEEDS XXXX AND ANOTHER XXXX XXXX NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE XXXX BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES XXXX ON ALL OF THE TEETH HE HAS WORKED ON.
|
| 01/05/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I was approved for the card back in XXXX of 2021. The only open account I have, card wise. This is on purpose, I have been paying my debts down, and had my score up to what is considered good. I only applied for the card due to an emergency. It was advertised as a promotional 12 months interest free. No warnings were given that if you are late, they would check your credit, and thus decide to lower your credit limit which then impacts your credit score. The first time this happened was back in XXXX of 2021. My credit took a hit, this was also right around the time I was applying for a mortgage so I took another hit. They lowered my credit limit again in XX/XX/2021, XX/XX/2021, and XX/XX/ 2021. My credit score has been hit by a XXXX pts because of this card. I have made payments every month but XX/XX/ 2021 because I never received a statement. I had to grab the approval email to be able to sign up for the app in order to make payments going forward. I have made a payment every month from XX/XX/2021 up till now, and will keep doing so. On the app it always said minimum payment due was around XXXX $ which is what I paid each month except in XXXX when I paid XXXX $ because I'm in a place to pay more. I called the company as suggested to see about reversing my credit limit since it's killing my credit score. Again this is the only open card account I have so each month they check my credit score they end up lowering my credit limit due to lowering my limit the previous month impacted my credit score. It's a vicious cycle that needs to end. I spoke to a representative who made it very clear they can't do anything and there is no one I can talk to. She said all she can do is advise I speak to a credit counselor. I have been working aggressively on my credit score for the last four years, I know how it works. I just wasn't expecting a card with a promotion that can only be used at health facilities like a vet office, wouldn't attack me for missing one payment, and continuously lower my credit limit impacting my credit score they keep checking each month. Since they refuse to reverse what they have done with my limit, I'm not sure if I should take another hit and close the account or put it on a freeze. Neither options guarantee they will stop but they have already erased all my hard work over the last four years. I never got a letter advising me they are doing this, no voicemails, no emails. I only found out because I watch my credit score.
|
| 12/01/2015 |
Yes |
|
- Credit line increase/decrease
|
|
Web |
|
|
I have a credit card with Synchrony Bank, a PayPal Smart Connect card.
( 1 ) On the PayPal Smart Connect card I have been making bi-weekly payments in the amount of {$75.00} ( {$150.00} per month ). My balance has been steadily decreasing and on XXXX XXXX, 2015 my balance was {$650.00}. I got a letter from Synchrony stating that they were lowering my credit limit from {$1100.00} to {$660.00}. I had made {$75.00} payments on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have used the card for only one {$50.00} purchase. On Tuesday, XXXX XXXX, I checked my balance and it was {$700.00}. I had been charged a late fee pushing me over my credit limit and then they charged me {$14.00} interest on a balance of {$670.00}. Keep in mind I 've paid {$300.00} toward this card since XXXX XXXX and I have used it for only XXXX {$50.00} purchase.
When I called to complain on XXXX XXXX, 2015 the representative said " Congratulations, we were able to help you by moving your XXXX XXXX payment to XXXX and removing the late charge bringing your balance to {$670.00} ''. The late charge should never have been applied to begin with and my new balance is now still more than I owed on XXXX XXXX ( I 've made XXXX additional payments since XXXX XXXX and I have n't used the card in XXXX ). My new balance should be less than {$650.00} which was my balance at the beginning of XXXX.
( 2 ) Since XXXX XXXX I have made {$300.00} in on time payments, have not used one time ( {$50.00} ), show no purchases for XXXX on my statement and yet my balance has gone up by {$50.00}. How can I pay {$300.00} toward a XXXX balance, make XXXX {$50.00} purchase in XXXX and end up with a {$700.00} balance on XXXX XXXX? In addition to fraudulently charging late fees and costing me money they have caused my credit score to go down by constantly lowering my credit limit even though I pay on time ( more than the minimum ) and have steadily been paying down the balance.
( 3 ) Synchrony is robbing people by charging huge interest rates of 29.66 % and then playing around with people 's credit limits causing them to go over limit and incurring additional late fees and interest fees on the late fees plus causing a negative impact on credit scores. I have my payments set up to go automatically every two weeks and I check my balances on the first of every month. My balances have slowly but surely been decreasing and now all of a sudden I 'm over limit and have been charged a bunch of fees.
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, I received a loan from XXXX XXXX for flooring. The salesman indicated that I could take advantage of a 12 months no interest loan. Having done these types of loans in the past, I agreed to it. I knew that I would be able to pay the loan balance, which was a little over {$4000.00} before the accrued interest would kick in. I walked away believing that I had not payments due, including interest, until 12 months after the loan origination date. In XXXX I received a statement and there was language stating that if I didnt pay the entire balance by XX/XX/XXXX, that I would have to pay the accrued interest. Again I believed that I had just under 1 year to pay the loan if I didnt want to pay interest. In XXXX I received a letter telling me that I had missed a payment for XXXX. I was confused because I thought I had a year before I had to make payments. The payment due date, as I learned, was XX/XX/XXXX. Additionally, my XXXX payment was due on XX/XX/XXXX. In XXXX after receiving the delinquency letter, I contacted Synchrony Bank and explained my concerns that the program seemed confusing and misleading. On XX/XX/XXXX I made a payment to cover both the XXXX payment and the XXXX payment, which had a due date of XX/XX/XXXX. After making the XXXX payment I schedule payments to be auto-payed up through XX/XX/XXXX. During late XX/XX/XXXX, I checked my credit reports and saw that Synchrony Bank had reported that I paid on time in both XXXX and XXXX, but that I was 30 days late in XXXX. The 30 day late is not accurate. For XXXX, my payment due date was on the XXXX. My payment posted on XX/XX/XXXX for {$160.00} ... just 13 days beyond the due date. However Synchrony bank reported that I was 30 days late to the XXXX credit bureaus. I called Synchrony Bank to express my concerns and was told that I was reported late because they had generated a new statement prior to my payment posting. They explained that the 30 day late clock begins to run at the Statement generation date and does not begin with the payment due date. So if the XXXX Statement was generated on XX/XX/XXXX, and if I made my XXXX payment on XX/XX/XXXX ... the payment would be reported as 30 days late ... when it really be only 9 days past the due date of XX/XX/XXXX. I would like for Synchrony to remove the 30 day late for XXXX from my credit reports, as it is really misleading to start a past due clock based on a statement generation date and not on the payment due date.
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| 05/10/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a voicemail today notifying me of a " complaint or civil suit '' being filed against me, was instructed to call XXXX to discuss my case with the legal firm handling my case. I called the number and was routed to a person named " XXXX XXXX '' ( her direct line : XXXX ) of XXXX XXXX XXXX XXXX ( at XXXX XXXX XXXX XXXX, XXXX, CA ) who informed me that Synchrony Bank was suing me for {$3300.00} for an " outstanding debt '' on their Care Credit card. This amount included court fees and other penalties. The original debt was for {$2300.00}. I informed XXXX that I paid this debt off long ago in XXXX to a collection agency and had the paperwork to back it up. She attested that if I did not have a " Liability Release '' form that I still owed the debt to Synchrony Bank. She claimed two attempts had been made to issue me a summons via a courier - one to an old residence and one to my current residence. I pointed out that Synchrony Bank had issued me zero correspondence about this supposed debt over the last 11 years and wasn't it a bit odd that I would suddenly receive a phone call to tell me I was being sued? She told me that I had two options - to go to court or to mediate with her, and if I chose to mediate she would issue a " Release of Liability '' but I would have to pay her " offered settlement amount '' of {$2100.00} on the spot. I replied, " No disrespect, but how do I know YOU'RE not scamming me? '' She laughed and said she completely understood why I might feel that way. I told her I needed some time to go through paperwork and she offered to extend a " courtesy EOD hold '' to keep my case from going to court but that when I called back, she would have to go through the mediation process again but couldn't guarantee she could " offer '' me the same settlement amount, it might be higher. I agreed to accept these terms and did some digging. Synchrony Bank attests that my account was deleted on XX/XX/XXXX - the day that they sold it to XXXX XXXX. XXXX, the debt collection agency. XXXX attests my account was paid off in full and provided all the paperwork. I spoke to a lawyer who attested that this is indeed a scam, and that this " law firm '', who does not even appear in a XXXX search had likely bought a list of debts owed from Synchrony Bank, and were going after people to try to get money from them. This is the 3rd or 4th call I have received in the last 3 months regarding this same debt, from 2 different " companies ''.
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| 05/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American, Servicemember |
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We became Care/Credit - Synchrony Bank customers a few years ago. This account provides for " promotional '' charges which, originally, postponed full payment for one year, convenient for our veterinary charges of several thousand dollars. We continued on for several months, added a number of charges and made all monthly payments on time, and paid off the large " promotional '' balances when they came due for transfer to the 26 % accrual status. Many months along we saw that the " promotional '' period had changed and the interest imposition was occurring at 6 months rather than one year. We missed the " fine print '' explanation and that's on us. However, at the same time we learned that the promotional offer did not apply to charges under {$200.00}, and that our balance actually accumulated a few thousand dollars of such charges, which also was subtly mentioned in what appears to be an advertisement ; we learned this after calling Synchrony about what appeared to be an excessive and inaccurate balance. At that time I voiced a strong complaint that their statements omit the balance portion which is accumulating the excessive interest charges, but instead simply include the amount in the total, is easily missed and one only can obtain that actual " hidden '' amount by subtracting the pending deferred interest sub-totals from the total balance. As I told them at the time, I have never seen a credit card or loan statement which concealed specific balances accumulating interest, especially at such an exorbitant rate. It also appears that monthly payments are applied to promotional amounts as well as the hidden balance, so in order to apply payment to the hidden balance specifically one has to call Synchrony and be very clear that a payment is to be applied solely to the hidden balance. Clearly this works to the great benefit of Synchrony and to the detriment of consumers, particularly those who have not figured out this manipulative and deceptive practice. Further, if one goes to their website to make a payment, again there is no way no make the payment only applicable to the hidden balance. We not only find this an unfair practice and anti-consumer, but is fraudulent behavior which is at least borderline criminal. Lastly, during this time when staffing is limited there is NO WAY to make payment on the hidden balance, since neither automated telephone system nor website allow for it and a actual human can not be reached by telephone.
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| 03/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
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XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To SYNCB/CARECR XXXX. XXXX XXXX XXXX, FL XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.
Here are three reasons why I`m sending this.
Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law.
Second, the item in question can not be authenticated to be certified under testimony to be true and accurate.
Lastly, you are Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for XXXX a high credit of XXXX and XXXX high credit as XXXX, and XXXX as deleted. First, you can not report different credit limit amount between credit bureaus. Second, you can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact with my signature, stating you have the right to collect. I have enclosed a snapshot of my credit report showing the reporting.
Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with my signature and please do not reply with a copy of an driver license, copies of credit card statements, or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court.
I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt.
Based on US contact law, original company must have an original contract on file bearing the signature and can not use third party information to collect a debt.
By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. In addition, XXXX have already deleted this account from my report as it was found inaccurate.
Delete this account from my credit report immediately, or I will seek legal action.
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| 03/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I received a PayPal Master Card statement during the week of XX/XX/XXXX in the amount of {$15.00} for two unknown business transactions as listed below : Tran Date Post Date Reference Number Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX FL {$6.00} 0 % PROMOTIONAL APR XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL {$8.00} 0 % PROMOTIONAL APR I called PayPal Credit Services numbers XXXX XXXX and XXXX ( for my PayPal account ), and spoke with 4 different PayPal Customer Service Representatives : XXXX XXXX 1rst ), unknown lady name ( 2nd ), XXXX ( 3rd ), and XXXX ( 4th ) on Saturday, XX/XX/XXXX to report for these fraudulent business transactions. None of them was able to assist me to deal with/resolve this problem. The first one just simply hear what I said to him and then asked to to wait on the line so that he can forward me to the correct phone line. They just repeatedly did that until when I reach to the 4 person, and each time they put me on hold for several minutes of waiting on the phone line. I logged in to my PayPal account and sent an email to request for closing of this PayPay Master card due to these fraudulent charges, and received an email response on XX/XX/XXXX to ask me to contact PayPay Master Card phone number at XXXX to dispute for these transactions. On XX/XX/XXXX, I logged in to my PayPal account and found that a new fraudulent charge was shown up on my PayPay Master Card account as listed below : XX/XX/XXXX XXXX XXXX FL XXXX I called PayPal Master card phone number and spoke with XXXX, a PayPal Master Card Customer Service , I reported all three fraudulent transactions mentioned above to him, and he told me that he will give me the phone number of that business entity so that I can speak with them directly to find out and disconnected the phone. I called to the given number at XXXX ( the fraudulent business who charged me 3 times within a few weeks for unknown business transactions with them ), and no one picked up the phone. A voice message asked me to leave a message, and I just disconnected that phone call. I logged in to my PayPal account online, clicked on the PayPal Master Card balance link to connect to the XXXX XXXX and requested for closing my PayPal Master card account, and also made a full payment of {$24.00} to that account while waiting for the dispute to be processed because I don't want these dispute transaction would impact my current excellent credit scores.
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| 05/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/XXXX I used my Synchrony credit card ( the Card ) to purchase what I believed to be an authentic XXXX hair dryer. I quickly realized that the fraudulent business ( the Company ) I ordered from was not in fact a legitimate company but was unable to cancel the charge. I immediately called the Card to dispute the charge and formerly filed a complaint.
From XX/XX/XXXX through XX/XX/XXXX I followed up the initial complaint with numerous supporting documentation to evidence that this was a fraudulent Company. The supporting documentation outlines the dates of all communications and transactions, provides photos that illustrate the blatant and obvious fraud on behalf of the Company. The supporting evidence shows how the Company deceived me by misspelling the brand name, using a fraudulent email address, routing the payment vehicle through a fraudulent XXXX account, and used a federal mail service carrier to deliver an item that was without question not the item ordered. In short, and I can provide all and any evidence needed in furtherance of your investigation to support this, what I ultimately received from the company was not a hair dryer but a white nylon t-shirt, clearly used to give the appearance that an item was shipped and delivered and this is evidenced by USPS tracking numbers.
Despite the Card indicating that it would investigate the matter, the matter appears to have been closed and on XX/XX/XXXX when the charge ( {$320.00} ) was posted and added back to my card without any notice. The Card did not alert me to the closure of the investigation, the basis for the decision or the opportunity to provide additional documentation.
I have been a loyal customer to the Card for over ten years, paying in full my balance each month. The Cards failure to adequately and diligently investigate this matter, ESPECIALLY given the apparent and obvious nature of the fraud, is not only professionally negligent to its customers but irresponsible in allowing fraudulent businesses to continue to deceive customers. There are countless federal and state laws that the Company has broken, and the Cards negligent inaction here is furthering this illegal activity.
Please contact me for any additional information needed to review this matter. The Card is leaving customers in a vulnerable financial situation, and action must be taken to remedy my particular matter, but also to address the negligence on the part of the Card.
Thank you.
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| 04/07/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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During week of XX/XX/XXXX I contacted my bank, Synchrony, about the process to do a wire transfer. They said my account was " diamond '' level and I get 3 free wire transfers a month. They also said i needed to get specific wire instructions from the receiving bank, address and phone number, etc. I contacted the individual I was going to be wiring funds for a truck I wanted to purchase. He gave me the info. I called the bank, they then told me i needed entirely different info. I got that info then on XX/XX/XXXX I contacted my bank that has my savings account to do a wire transfer for a truck i want to buy and they told me i didnt need any of the info the previous two people told me i did and that I just needed the name and address of the individual I was wiring funds. I gave them the info and had them wire XXXX to their account for the truck.
I don't hear anything from the bank and followed up with the individual to see if the wire went through, he said it didn't. I logged into my account to see if it had any info there and I was greeted with the message that ALL my accounts were restricted. I call the bank to find out XXXX is going on. They say my accounts are " in review '' then try to say they think its fraud but there have been no attempts to access my account from outside the country or anything that can be misconstrued as fraud other than apparently me wanting to use my money. They say it could take up to 60 days!!!!! to review my account. I am beyond livid at this point. I tell them to cancel the wire and that I'm going to close ALL my accounts. They say i can't do XXXX and have to wait for their " review '' to complete. I have them escalate. I call back the next week. They give me the same XXXX excuse they are investigating, i have them " escalate '' again which is clearly a XXXX process that doesn't exist, they say it should be a few more days, called again Wed XXXX and Friday XXXX, same XXXX. They have totally XXXX me. I had autopayments setup that are now failing, I have a bunch of late fees due to this and I can't even use my credit card now as they have locked it because the payment didn't go through. They have basically stolen ~ {$80000.00} from me with no explanation and apparently no accountability. I don't know if they are about to go XXXX up like that bank in california but it looks like im going to have to find an over seas bank to work with as US banks are so poorly regulated with XXXX regard for consumers.
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| 09/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Synchrony credit card through banana republic. I am current on all debt. Last summer my wife and i are heading home from XXXX XXXX CA and head through XXXX XXXX I have receipt ) and I get cell reception and pop up comes an email about something I ordered? I was confused and could not do much at the time but it freaks you out when you see something that clearly is not right. I could see a large purchase for an android or XXXX smart watch like {$200.00}. BTW I own an XXXX and wife does. We get back to our home in XXXX XXXX CA and sure enough when I got on my computer I could see this order from Walmart. Ok I did not order this. I called Walmart at first and tried to figure out what was going on and after many failed calls I finally got through to someone and we talked but I remember we went around and around and finally they said well it looks like you used your credit card so maybe the credit card company needed to handle this. I then call them and explain. I wrote to them and explained. They did an investigation and said yes I had been hacked but since I had the product ( for what ever reason they ( hacker thief? ) sent it to my house? ) they want me to " cooperate '' and send it back. I said no problem send me a label and I will put it in a box and put it on my porch. I was told they can not do anything and continually told me to " cooperate '' I said no problem but I will not incur a cost for shipping. I am already agreeing to wasting my life packing this thing up and sending off I will not spend money over getting hacked. This went back and forth for months. I sent in-mail through the synchrony website and had phone calls. They expressed they did an investigation and found fraud but since I had the product they wanted me to cooperate by contacting Walmart and sending it back. Walmart wanted me to pay for shipping and would not understanding the situation. Here I am with a {$200.00} watch I did not order and it is completely useless to me. I am willing to cooperate but I will not pay for anything. I think it is more than reasonable and cooperative to offer to spend my time packaging and dropping off the package in the first place. Oh Ya so they refunded the money at first then charged me for it after the disputed yes it was fraud but no they want their money. Bottom line I did not order it ( I was told it clearly was fraud, and I am still being charged. Synchrony was less than helpful and very hard to get communication from.
|
| 12/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I opened an credit card with XXXX XXXX XXXX, and purchase furniture with the credit card. I have always paid on the account by due date which occurs the third week of each month. I recently began paying on the account the first of second week of the month because my pay cycle changed from biweekly to monthly. Approximately on the second month after starting my new payment preference, I began receiving alert email messages from company. I called the company to make an inquiry about the email messages. I was informed that my monthly payments were overdue and my name was reported to XXXX XXXX XXXX Collections Department. I expressed my disagreement with what the financial company was reporting, and had the company to view my account for payment history. The company pulled down my payment history and reviewed the payment history with me via telephone. What they had documented reflected that I had made the payments before or on the due date. When I asked why was I receiving alert emails messages, I was told they penalize customers for paying on their accounts if the date of payment exceeds 7 days prior to the due date. I requested my call be transferred to the company manager or supervisor in an attempt to have the resolve the matter. I spoke with XXXX XXXX, manager for Synchrony Collections Department. XXXX XXXX informed me that Synchrony Financial only accept payments 7 days prior to due date and that Synchrony had charged me late fees. XXXX XXXX also informed me that I would be charged late fees each month that I do not comply with their policy. I asked XXXX XXXX to direct me to the location in the written and signed contractual agreement where this policy is stated. XXXX XXXX agreed that this policy is not stated in the contract but it is Synchrony 's policy. I requested for all late fees be removed from my account and was informed that late fees would remain on my account. Since my conversation with XXXX XXXX XXXX, I have paid one of my accounts in full and closed that account out. I have two additional XXXX XXXX accounts remaining with Synchrony Financial. After this incident, I have reviewed all other accounts and discovered that account balances does not appear to reflect correct closing balances. I did not select XXXX XXXX XXXX as my preferred lending company. This company was selected by vendors. I do not liky Synchrony 's business practice and strongly believe this company need to be investigated for fraudulent practices.
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| 08/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I purchased items using my Paypal account back in XXXX of XXXX. I did not use one of items until XXXX of XXXX. I notice when wearing the item, white spots begin to appear all over the product. I also notice when water hits the product the color also fades on the handbag - before I knew this, I used a dry cloth to wipe the bag and the white spot got bigger on the front of the bag!!! I could not believe this - I only wore this bag one time!
I reached out to the vendor and requested I be allowed to purchase the one pouch bag since it is made out of different material then the overall bag. It is the only portion of the bag that is faded. I was told no way by the vendor and the vendor also stated it was my fault.
I reached out to Paypal to file a dispute claim against the company and Paypal disregarded all my evidence even though the company showed much deceit in the process of this claim. I can not believe Paypal would side with the fraudulent vendor.
The vendor at first stated it would send me another bag if I dropped the dispute- which I asked for prove of this but it never came. Again, the company practice more deceit as it had no intention of sending me the bag but knew the bag was defective by making the offer. I also sent all this evidence to Paypal but the company did not care one bit. The company was willing to send a brand-new bag if I dropped the dispute which shows it knew the bag was faulty. The company even told Paypal that I already received a refund ( in XXXX ) but the refund was for an item being out of stock - I sent Paypal this as well and all of the evidence was ignored by Paypal.
Paypal rep or team did not review my claim at all. Paypal disregard the fact that the company has been deceitful from the start of this claim. I make several purchases with Paypal account and have very few disputes - I am more than upset the company has denied my claim.
Paypal stated reason for the denial is due to the description of the product not being different than what the vendor provided. I am not disputing the description but the fact the one bag I received is defective. It would not fade after one usage if it wasn't faulty. Paypal is allowing deceitful practices on the platform - any other bank would acknowledge the fact the company sent me a faulty product. I am only requesting a partial refund as I still have the product than I can no longer use. This is not how you service clients who use your platform all the time.
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| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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XXXX have never had an account with this company XXXX XXXX , REMOVE from all credit agencies from reporting.
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXXAccording to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
XXXX.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 08/15/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
I opened a paypal account back in early XXXX to purchase and retrieve goods online. However, somewhere down the line that paypal account turned into a SYNCB/PAYPAL Credit Card account without my knowledge until I received a credit card in the mail that stated paypal. Long story short all of my transactions appeared to be not coming out of my bank account attached to my paypal account anymore nut towards this card. For a few years I just paid the card account off until one day when trying to log into to pay my bill it stated that I was locked out because I had a huge balance. I called paypal and made a payment but when I tried to get back into the account I still couldn't so I called them and they stated that the payment I made was to the credit card not to my actual paypal account debt which was confusing to me. After like almost 2 hours of back and fourth with several representatives I gave up. Then I started receiving letters with a bill and then one stating that my account had been closed to further purchases until I paid off the balance. Continuously making payments monthly I looked at my credit report and I saw that there was a SYNCB/PAYPAL Credit Card account on it but the account stated that it was closed. However, daily like 4 to 5 times a day I would get calls from them about the debt and I would make minimum payments to keep down the calls until I noticed that they wasn't even reporting it to the credit agencies correctly. I noticed that they would never allow the late payments to go past 90-120 days of me missing payments even if I did ( this was in order to ensure it never gets charged off ). So I called them and asked them about my payments once again the run around stating I had 2 accounts one a normal paypal and a charge card and I still don't understand that. However, when a friend of mine told me about a consumer enforcement that I should have been included on I did some research and I saw that I was enrolled into this additional account which should be cleared. XX/XX/XXXX I received a settlement offer letter from them stating that if I pay a sum of about {$350.00} dollars or somewhere around that figure they would clear the rest and report the account as paid on my credit report. Here it is XX/XX/XXXX and the full balance is still showing unpaid on my credit report and consistently being reported as late to the credit agencies and Paypal still has this account locked to where I cant access it to see anything.
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| 09/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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On or around XX/XX/2023, my XXXX, paid her XXXX XXXX payment that was due on her card. It was mistakenly credited to my account balance.
Between XX/XX/2023 and XX/XX/2023, after receiving my statement and noticing the mistake, I called to have the payment she made to my card transferred over to her card. They debited my account for the amount she paid which was XXXX. However, somehow, they debited my account XXXX for the same amount. XXXX once to pay the balance on her card and then again, now leaving a balance due on my account of XXXXXXXX
I then called sometime in XXXX after receiving my statement to tell them of the mistake, and after an hour on the phone they promised it would be fixed, listed it as a dispute, and that I would need to wait XXXX days for it to be resolved.
After the XXXX days had run, they said it was a correct charge and listed my account as XXXX past due at which time I started to receive emails, letters, and, for the first time in my life, put into collections.
I have called a minimum of XXXX times, spent approximately XXXX hours on the phone, most recently on XX/XX/2023, attempting to have them remedy the problem. After every single phone call, I am told that they see the problem, they will remedy the situation, that they will send me a letter telling me it's been fixed and notify the credit bureaus.
Then on XX/XX/2023, I receive a letter from XXXX XXXX Bank XXXX XXXX that they are correctly reporting to the bureaus, that my account is past due.
I received a notice on XX/XX/2023 from XXXX saying my credit report was decreased by XXXX points, on XX/XX/2023, XXXX XXXX closed my account which further decreased my report, on XX/XX/2023 and again on XX/XX/2023 it was flagged as XXXX days past due.
I am at a loss as to what to do. There is an outstanding balance due of XXXX plus interest and late charges of XXXX. There were never any purchases made in the amount of XXXX. If they would just look at the monthly balances due and back out the purchase amounts they would see that it is a mistake that their company made. Also, wouldn't they see that it is a bit strange that the payment amount was XXXX and the balance due is XXXX?? It absolutely unacceptable. I have done nothing to deserve any of this treatment. I want the charge removed. I want the interest and late fees removed. I want my credit line restored on the XXXX XXXX card and I want them to correct the credit bureau flags as soon as possible.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American, Servicemember |
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I had been struggling with Identity Theft for over a year, so I contacted XXXX XXXX to help me. They set-up an Escrow Account & contacted all my Creditors & started paying off some of my debts after negotiating new terms with them. This was really taking a long time, so I decided to refinance my house to finish off paying these debts. XXXX XXXX XXXX contacted XXXX XXXX to get the negotiated terms with the Creditors & after closing on my Mortgage, XXXX XXXX XXXX paid off most of my debt. XXXX XXXX had been paying Lowes/Synchrony Bank for some time & the balance was down to {$6600.00} which was paid to Synchrony Bank with Check Number XXXX dated XX/XX/XXXX & cashed on XX/XX/XXXX. On XX/XX/XXXX I received my updated Credit Reports. Much to my dismay, my SYNCB/LOWES report showed that Synchrony Bank was still reporting my account ( closed on XX/XX/XXXX ) as Delinquent with a Balance Due of {$8400.00} past due. My Lowes Credit Card XXXX XXXX XXXX XXXX had an {$8000.00} Credit Limit which I never requested increased. So when my Balance showed {$16000.00}, I called Synchrony Bank & asked them how my {$8000.00} XXXX XXXX Credit Card got to {$16000.00} & they couldn't tell me! Well, it was FRAUD & I told them so, I refused to make any more payments. Over the past 18 months I have made several DISPUTES with Synchrony Bank & they continue to demand payment & send my account to several different Collection Agencies. I contacted the Collection Agencies & told them about the FRAUD & they sent the account back to Synchrony Bank because they can't collect on FRAUD. Each month Synchrony Bank reports my account as Delinquent to the 3 Credit Bureaus & is messing with my Credit Score when they were PAID IN FULL for the remaining Balance on my account. Synchrony Bank keeps hounding me & destroying my Credit Rating while trying to collect {$8400.00} " past due ''. I am tired of this XXXX from Synchrony Bank denying they were paid! So many DISPUTES were filed over the past 15 months all with negative results. I contacted XXXX XXXX Mortgage & asked for their help. XXXX XXXX, Senior Mortgage Advisor & I did a conference call with Synchrony Bank trying to help me resolve this, but like all the previous calls I made with Synchrony Bank, NOTHING WAS RESOLVED!! So I am hoping the CFPB can straighten out Synchrony Bank! I don't owe them anything!!! I want my Credit Score repaired! Synchrony Bank has been falsely reporting me as delinquent for 15 months.
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| 01/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
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Before I purchased two autographs on XXXX, there is [ and still can be seen ] an offer for 0 % APR on purchases paid in full [ 6 months ] on balances of {$99.00} or more. I have applied for this offer and received it in the past.
The problem now is that when I won these two auctions, this promotion was advertised ; however, when I try to use that card for that rate and that promotional deal now, it has been switched to 5.99 % APR for 12 or 24 months. There is no 0 % APR financing for any amount of time available now that the items have been won. Somewhere in the XXXX Credit system , they have switched the promotional rate without my consent. I have taken screenshots.
To see this offer as advertised, simply search XXXX XXXX XXXX. Look at any card over {$99.00} and scroll down to payment information. There, one can see the 0 % APR for $ 99+ purchases if paid in full by 6 months. Now that I have won the auctions, the terms are not the same as when I bid on the auctions!
I have contacted both XXXX and XXXX and both blame the other. Customer service at PayPal Credit was an absolute joke. The number for XXXX they provided was a disconnected number for another department other than credit, promotions, and payments. The supervisor could not dial out and connect me with XXXX herself to circumvent this complaint.
I've been on hold with XXXX for an hour. They can't seem to get a supervisor on the phone to take the issue directly. Now I'm at risk of unpaid items and losing the items at XXXX or I am forced into financing the cards at a bait-and-switch rate that I did not agree to finance!
When I first contacted XXXX they said that the financing rate was no longer available. I then immediately took a screenshot following the procedure above. Seach item, find one for $ 99+, and one can see the offer of 0 % APR for 6 months on purchases of {$99.00} or more.
Why XXXX and XXXX Credit have switched it and why the parties can't connect to resolve this seemingly EASILY CORRECTABLE ERROR are anyone 's guesses to answer.
This is not the first time I have had issues with XXXX and XXXX Credit. In the past, they billed me for individual items at XXXX so XXXX was charging me interest without my knowledge on purchases over {$99.00} to one seller. These two are infamous for their bait and switch marketing practices as well as ineptitude in resolving these problems.
I want the 0 % APR for 6 months as they advertised when I won the auctions!
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| 04/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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On XX/XX/XXXX, the following dates amounts and locations were reported as fraudulent purchases by me to Synchrony Bank for my Lowe 's credit card : 1. XX/XX/XXXX - {$190.00} - XXXX XXXXXXXX XXXXXXXX FL 2. XX/XX/XXXX - {$120.00} - XXXX XXXX XXXX FL 3. XX/XX/XXXX - {$140.00} - Store XXXX XXXX FL 4. XX/XX/XXXX - {$960.00} - Store XXXX XXXX FL 5. XX/XX/XXXX - {$3900.00} - XXXX XXXX 6. XX/XX/XXXX - {$140.00} - Store XXXX XXXX FL 7. XX/XX/XXXX - {$2400.00} - Store XXXX XXXX XXXX FL 8. XX/XX/XXXX - {$480.00} - Store XXXX XXXX FL 9. XX/XX/XXXX - {$210.00} - Store XXXX XXXX FL 10. XX/XX/XXXX - {$560.00} - Store XXXX XXXX FL 11. XX/XX/XXXX - {$340.00} - Store XXXX XXXX FL 12. XX/XX/XXXX - {$660.00} - Store XXXX XXXX FL 13. XX/XX/XXXX - {$400.00} - Store XXXX XXXX XXXX FL 14. XX/XX/XXXX - {$510.00} - Store XXXX XXXX FL Synchrony Bank acknowledged the fraud on XX/XX/XXXX and sent a letter stating that they approved the fraud claim on my Lowe 's Advantage Card account based on the information they had so far. I cancelled my card and had a new one issued. Whoever was able to use my account attempted to change the address and I canceled the card again and had a new one issued, froze the account, and had my granddaughter help me setup online access to better monitor the account.
When the bill came for XXXX, there was one transaction that was not removed from the account for {$960.00}. This charge is the same as line item 4 from above but on my XX/XX/XXXX statement, Synchrony states that my balance as of XX/XX/XXXX was {$0.00}, but then claims a purchase was made on XX/XX/XXXX for {$960.00}. I have never made any purchases using this account.
I sent another fraud claim to Synchrony and explained that this charge was part of the 14 charges they'd already investigated. Synchrony acknowledged my claim but continues to send me notices via mail and email, and call my home to ask for payment. They have reported late payment to the credit bureaus and added fees to my account for nonpayment. I can not get an answer as to why this one charge remained on the account while the 13 others were removed.
I am XXXX years old and I live in Maryland. I remained in my home state, Maryland, and did not travel to Florida for the XXXX holiday. I do not have any relatives in Florida and I don't know how my account information was obtained to make all those purchases. I really need some assistance with this matter because Synchrony is not resolving the issue.
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| 04/25/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I have an account through synchrony bank for a credit card for Mens Warehouse. The issue is with synchrony. They have intentionally made it nearly impossible to pay on their account. The website to make payments on is a random series of letters and numbers, which no one could ever guess. Of course, no one at the company knows the name of the website either ( it is NOT synchrony.com or menswarehouse.com where you pay ). After weeks of fighting with them to figure out where to pay, you then can not access your account without the account number. Want to know what it is? They will not tell you. They claim their rules prevent it. They will tell you to log into your account and check your statement. Of course, you ca n't log in without your account number to view the statement with your account number, so good luck with that. They offer to send e-bills, but of course they do n't include the full account number so you still ca n't log in. After not being able to pay for 3 months, and having 3 late fees added to my account and interest, someone from their collections called to ask why I was not paying. I told them, and they told me my account number. I mean, seriously? They could n't have told me one of the other dozen times I called them? But wait, that still did n't work. The account number is 16 digits, but the system only accepts 11 digit numbers. Of course, everyone at synchrony claimed to not be able to help with that either. I finally called their fraud department ( I was just calling everyone at this point because I was desperate to get a delinquent account off my credit report ), and they told me they had heard of this before, and to try the last 11 digits of the 16 digit account number. I was finally able to access my account and make a payment. Now, I have three late fees on my account, and they agreed to take off one ( how nice of them after giving me the run around for three months to agree to only rip me off twice instead of three times ). This is obviously being done on purpose. No one is this dumb. They could tell you the website to pay on but do n't. They could tell you your account number, but do n't. They could tell you which 11 digits of that number the website is looking for, but they do n't. They could take your payment by phone, but want to charge you an extra fee for that. They have intentionally made it impossible to pay in order to rack up late fees and interest charges. Please stop these scam artists.
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| 04/23/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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I opened a dispute for services not rendered with carecredit in XXXX for XXXX The business verbally agreed to request full refund from corporate because the doctor went on leave and no one could tell me what was done before XXXX was aborted due to the power outage but later deciding only to partially refund XXXX. They said I have to request the medical records to see what was done that per the clinic manager who could not tell me anything nor another surgeon when I was at the facility that part of the XXXX was complete. They are charging me for loss of revenue due to the outage the XXXX report reads infiltration start XXXX and aborted XXXX due to power outage. The business does not have generators only batteries so it was impossible to complete anything if an unexpected power outage occurred but the batteries would allow XXXX time to safely stop. I ended up paying the card off so it wouldnt hurt my credit expecting a charge back. I just recently in XX/XX/XXXX found out it was closed due to the merchant providing a receipt. So the rep reopened the dispute and it was closed again without explanation so I was told to submit an appeal letter I included medical records from the merchant that the procedure was aborted due to power outage on XX/XX/XXXX. Was told it was closed as well with no explanation. Then I got a letter saying my account balance is XXXX which I know because I paid it. If I report services wasnt rendered how is a receipt sufficient evidence from the merchant. The merchant makes you pay 2 weeks in advance if your paying with a card they dont bill you after the services are rendered. The operative report XXXX signature looked forge I included prescription to see the difference in XXXX signature I only had XXXX XXXX. I have more medical records, and emails where I have been trying resolve this with the merchant for the past XXXX yrs they are trying manipulate me into getting the XXXX finished instead of refunding me saying that no other doctor is going to touch another XXXX work but one at their facility agreed to. They have been rude saying did I prefer they didnt stop XXXX or telling me the contract was void when the power went out so I dont have a valid contract and they rewrote one while I was unconscious and unprofessional on the phone and asked them to put it in writing they say they rather speak on the phone.I cant communicate with them when Im being treated poorly how can they expect I can trust them.
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| 05/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Application denied
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Web |
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I applied for a Sam 's club credit card via Synchrony Bank online in XXXX when placing an order. Because of a prior fraud alert on my credit file, it could not be processed automatically b/c Synchrony could not access my credit file without verifying my identity. A few days after that, I removed the fraud alerts as that issue had long been resolved. However, I never received any follow up from Sam 's Club or from Synchrony regarding this application.
In late XXXX, while in a Sam 's Club store, I received a preapproved credit card offer at checkout, so I agreed to apply again. This time they said the application was stopped because of the earlier application and I would hear something via a letter.
I received a letter last week dated XX/XX/XXXX that my application was denied because " prior application submitted too recently. '' I never received anything regarding that original application, now almost 2 months ago.
I contacted Synchrony and all they would tell me is that both applications were declined and I would receive a letter explaining. I tried to explain that I did receive a letter ( dated XX/XX/XXXX ), but it was for the 2nd application. I wanted to know what happened with the 1st application and why it apparently was declined. That employee could not provide any additional information, so I left a message on Synchrony 's facebook page.
In response, another employee called me and she was able to explain that after my 2nd application, she did see that they were able to pull my credit to process the first application, but it was showing as declined. Again she said that there was a letter sent explaining, and it was dated XX/XX/XXXX. ( 3 days earlier than the one I already received ).
It has now been over 10 mailing days, and this letter never arrived. My XXXX score is XXXX as of last week. I have no late pays, no judgments, no collection accounts. I have absolutely no derogatory items in my credit file, so why did they decline me? How do I know they even pulled the right credit file? Aren't they supposed to inform me in writing why I was declined as per the FCRA requirements?
Further, please note that I have at least 3 other active Synchrony accounts, all with perfect records and have had at least 2 of those accounts for over 10 years. I never carry a credit balance ; while I use credit cards for the rewards, I pay them in full every month.
I have attached a copy of the one and only letter I've received.
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| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HI XXXX ; Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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I am in receipt of a response letter dated XX/XX/2021 from XXXX which did not adequately respond to my complaint. I am not sure why this response took 60 days as it was a canned response and it is clear that NO RESEARCH was done as to the accuracy of my information. Perhaps I was not clear so I am attempting to add clarity to this complaint.
The original letter I received from Synchrony Bank outlined the following issues with a Credit Report that they received from XXXX.
1. Date of issuance of applicant 's SSN does not match date of SSN of peers. Please inform me how to correct this information. Is XXXX aware that I was born in the XXXX and at that time you did not apply for your SSN until your parents determined that you needed it for a summer job or other purpose. My brother, who is 18 months younger has a SSN that is only 2 numbers from my own. SO IF THIS IS AN ITEM THAT WILL IMPACT MY SCORE OR ABILITY TO OBTAIN CREDIT, HOW IS IN CORRECTED?
2. Applicant associated with multiple phone changes. Again, I would like to be informed where they got this information and how to correct this erroneous information. I have had the same phone numbers ( Home, yes I have a land line, and Cell ) for over 15 years. So they either you have a bad source, are pulling bad information or just DO NOT CARE about the accuracy.
3. Distance between applicant 's address and area code of phone number. Where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. Both my home and cell number start with a ( XXXX ) area code. I live in XXXX Florida just outside XXXX where the area codes are XXXX XXXX XXXX original area code and ( XXXX XXXX newer area code. So I actually have one of the original area codes before they stopped issuing that area code.
4. Total account balances. Again, where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. My credit card usage constantly is low and I pay all non zero interest balances in full every month. I do not have any car loans and my mortgage balance could be paid in full but I chose not to due to having an interest rate under 2.5 % ( I am 6 years into a 10 year loan ).
I would like the company to tell me the sources of the data that they provided to the credit grantor and how to correct errors in these areas. What proof would be required to support that fact that their data in incorrect.
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| 05/02/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX XXXX XXXX has been repeatedly calling and contacting me by text through various phone numbers to collect a debt that had been paid ( twice in fact ) and had also been subsequently pursued by another debt collector post payment.
I incurred a GE/Old Navy debt some time in the early XXXX. There was only XXXX GE/Old XXXX account ever applied for.
My husband paid the debt sometime in mid XXXX to a debt collector and did not document, so in XX/XX/XXXX he settled the debt again for {$350.00} and we have the documentation.
Early XXXX, another debt collector ( XXXX XXXX XXXX ) started harassing me to collect on the same debt, we showed proof of payment yet they claimed it was not the same debt so we reported that debt collector to CFPB XX/XX/XXXX case # XXXX and have those emails as proof. The debt collector never contacted me again after we reported them.
In XXXX, We also attempted to call GE/Old Navy to see if they could provide proof there were ever 2 accounts and they could not prove there were 2 accounts.
Recently a XXXX debt collector XXXX has begun to repeatedly call me and text me for the same exact debt. I called and spoke to them and sent them proof of payment from XXXX and they ( also ) insisted it was a different account ( there were never 2 GE/Old Navy accounts ). They do not have an email or an address on their website and documentation can only be submitted via their website so I can not provide proof of that communication but each time they text I ask for an email address and do not get a reply. They refuse to communicate in writing. They are threatening to report to the credit bureau now.
XXXX refuses to do the legwork to confirm there was only 1 GE/Old Navy acct and refuses to acknowledge our paperwork showing proof of payment as well as the subsequent complaint of trying to collect on the same account. There is no proof from GE/Old Navy that 2 accounts ever existed and each debt collector seems to come up with their own acct # in an attempt to fraudulently collect this debt.
I am reporting this agency XXXX as I have made multiple attempts to prove this is the same debt and they will not cease harassing me daily through various text and calls. This debt has been paid, twice, and these collectors keep trying to insist its a different debt.
Phone # XXXX they have used : XXXX XXXX XXXX XXXX XXXX no name XXXX no name included XXXX XXXX XXXX XXXX XXXX XXXX XXXX skip tracing dept prelegal
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| 02/27/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I made a purchase at a store inXX/XX/XXXX, with payments to be made through PayPal. I chose this mode of payment because they offered six months of no interest. My goal was to pay it off in six months. I made my first three payments via email statements from them, to my email address. Then the email statements stopped. Throughout this period and beyond, I never received email or paper statements through the mail.
Fast forward to XX/XX/XXXX, when I received my first paper statement from them, saying that I was delinquent in my payments and had accrued {$350.00} in late fees and interest.
When I immediately called, to try to understand what had happened, I was told that the email address on file for my account ( at Paypal ) was different than mine- VERY different. That had never been my email address. I sent documentation to show that they had my correct and only email address beginning in XXXX, when this transaction was initiated.
I was horrified that this happened, and sent a check for the balance due, which was {$1400.00}. That did not include the interest charges and late fees.
I requested that those fees be waived, as I never received any statements from them after XXXX. I did not want to be penalized for not receiving statements after that point.
I was told I could write a complaint to a particular department, which I did right away. I sent it " certified '', to make sure it was received. After no response, over a few weeks, I called again. They said they received it, but were still not willing to hear my story. I continue to get monthly bills, with additional fees, and feel strongly about NOT being penalized for NOT paying those months that I didn't receive statements. Their customer service team is simply not willing to understand what happened, on my end.
I have a very high credit score, and I always pay my bills on time. If I had seen the " missing '' statements, I would have paid those bills. Instead, I stopped getting them, and forgot about the balance due. Out of sight- out of mind.
In the enclosed attachments, you'll see that they had my correct email address in our first few transactions. I never changed my email address! One of the representatives I spoke to, said that they always sent their statements through the US mail, which never happened. It was always through email.
I would be happy to discuss this with anybody on your team for further clarification.
I appreciate your help with this.
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| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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1.I have never had an account with this company SYNCB/CARE CREDIT, REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCB/CARE CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I previously held a Bill Me Later account, also know as Pay Pal credit. The original service provider over the account was XXXX XXXX. On XX/XX/XXXX I entered a hardship program on the account with XXXX XXXX. They required that I pay {$52.00} upfront to bring my account current and they would decrease my monthly payments to {$36.00} a month, which I did. On XX/XX/2019 my account was transferred to Synchrony Bank and they became my new service provider. Synchrony Bank immediately started report my account as 120+ days past due to the credit bureau ( starting XX/XX/2019, even though they were not my service provider at that time ). I called Synchrony Bank asking why my account was showing 120 days past due even though I paid the {$52.00} to bring the account current. No one could give me an answer outside of ( the hardship program does not bring the account current, it just modify the payments ). I ask multiple people in the company what was the amount I needed to pay to have the account no longer show 120 days past due and no one had a number. As month passed I continued to call, file better business complaints and Synchrony Bank never gave me a solid answer why they were reporting this 120+ day delinquency. So recently I got fed up and emailed the CEO. I immediately got an email saying someone will reach out to me about my account. One business day later a representative from the office of the President for Synchrony Bank reached out to me. She told me they had to report the 120 + day late payments and could not go back and remove the late payments, even though I've already paid the account off and settle the debt. I asked her why did I pay the {$52.00} initial payment to bring the account current. She told me I entered the hardship program with XXXX XXXX and they do not have access to any of the documentation from them.
I am confused on how I entered a hardship program with the XXXX XXXX, paid to bring the account current ( at the time of them being my service provider ) and a new service provider takes over the account and voids that agreement.
Synchrony Bank representative told me if I had some kind of documentation showing I paid the {$52.00} to bring the account current they may consider that.
I called XXXX XXXX and they keep sending me over to Synchrony Bank because they no longer service Pay Pal accounts. I am literally getting the run around to remove late payments from my account that should not be there.
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| 12/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against SYNCHRONY BANK, for violating my cease and desist notice, continuing harassment, threats, defamation of character, and continuing to collect an alleged debt under false statement or representation.
SYNCHRONY BANK stated in their letter ( Exhibit A ) dated XX/XX/2022, You did so by signing the application, whether written, verbally, or electronically, and agreeing that you understood the terms and conditions of the account. SYNCHRONY BANK violates the protection of my nonpublic personal information under the XXXX XXXX. SYNCHRONY BANK never disclosed that I have a right to opt out of my nonpublic personal information before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and given an explanation of how I can exercise that nondisclosure option.
According to the consumer credit protection ( 15 USC 1693l ) waiver of rights, No writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this subchapter. Nothing in this section prohibits, however, any writing or other agreement which grants to a consumer a more extensive right or remedy or greater protection than contained in this subchapter or a waiver given in settlement of a dispute or action.
I never gave SYNCHRONY BANK consent to disclose my nonpublic personal information which constitutes Aggravated identity theft ( 18 USC 1028A ) by false pretenses.
SYNCHRONY BANK stated in their letter ( Exhibit A ), We have received and will honor your request to cease collection efforts on this account. SYNCHRONY BANK continues to dishonor by continuing to communicate and collect on the account. I received mail letters dated XX/XX/2022 ( Exhibit B ), XX/XX/2022 ( Exhibit C ), XX/XX/2022 ( Exhibit D ), XX/XX/2022 ( Exhibit XXXX ), and XXXX emails ( Exhibit F ) dated from XX/XX/2022 thru XX/XX/2022. SYNCHRONY BANK continues to report negative information on my consumer report and violates the Fair Credit Reporting Act.
SYNCHRONY BANK has not only violated my right to privacy but also violated multiple Federal Laws.
I hereby demand SYNCHRONY BANK honor my cease and desist letter, stop further collection on the account ending in XXXX, and remove any negative information on my consumer report.
|
| 07/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
I have been a long-time customer of Care Credit. When I had my job, I have set up an automatic payment to them. I have been a good customer and paid my due. In XXXX of this year, I was not able to pay my bills due to unemployment. I have contacted them and explained my situation. What I owe them that time was approximately over {$100.00}. I made a payment arrangment with them and they accepted a few amounts. When I get a money to pay them full, I did pay them full with no balance.
Now, when I check my credit reporting, they have not changed the status of my credit, so I disputed it. Suddenly, I received a notification from XXXX, and it says that an account has closed. When I check it out, my Care Credit closed without my knowledge.
Today I spoke to one of their supervisors and verify the closure. And I was told by their supervisor that yes it was closed because they did a soft pull, and they find many discrepancies in my credit. I was told that in order to not use the card they decided to close it.
My account was not delinquent as of today, and I paid my dues two months ago with no balance. My point here is that : 1 ) They made a soft pull of my credit to justify my fate with them, and this is unknown to my knowledge.
2 ) They closed my account while I don't have current delinquency with them, however, it was, paid in full and there was not activity.
3 ) Closing my account affected my credit score.
I think it is not fair that company would just randomly do a soft credit pull to justify to closed and account that is fully paid and no delinquency. I would understand it if I were not paying my account and the interest is accumulating, and that I have not been responsible to communicate with them. I communicated with them from the beginning, and I paid my balance as soon as I get a money. In my history with them, this is the only year I am not able to pay due to my being unemployed. And I discussed this with them. This is an unfair treatment of customer. And I had reason for my payment, and even my other credits I have reason but not intentional. And the end result of all these was I paid my creditors, and I didn't leave any balance with them. This is unbelievable to make someone suffer this way because of unintentionaly unemployment. It is destructive to the person for them to randomly pull my credit and justify to close because of my other issues. While I was current with my payment with them. And paid in full.
|
| 07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
For over a year, I have disputed Accounts being reported for over 7 years, duplications, etc.. and cited the seven year reporting law. It not only continues, but XXXX verifies account. CLOSED STATUS AND DATES ARE IGNORED..
Some of these accounts were closed by me, have a XXXX balance, never late, and these accounts continue to appear, and the duration stated that they will continue to appear, are years into the future.
1. TJ Maxx/syncb Opened:XXXX, closed by me, with a XXXX balance XX/XX/XXXX. Eight years since I closed it.
2. XXXX XXXX XXXX Closed by me, in XXXX, 9 years ago, with XXXX balance.
3. The same situation for XXXX XXXX XXXX XXXX XXXX.
4. XXXX XXXX XXXX, paid as agreed, closed seven years ago.
5. XXXX XXXX XXXX, opened and never used. Forgot I had it. Closed account due to inactivity.
6.XXXX XXXX Over 7 years. Closed and paid in full.
.
THIS ACCT NO. APPEARS TWICE on some reports.
7. XXXX XXXX Charged off, written off and now reports past due. Seven year deadline has past on this Account.
8. XXXX XXXX : Cllosed.
Opened in XXXX. Exceeds seven years. Wrote off, charged off and sold to XXXX XXXX. Both XXXX XXXX and XXXX XXXX appear on report, in XXXX separate sections for same account. XXXX XXXX, XXXX has growing balance, late payments, and No Bill 's received. I see this as double dipping.
The list goes on and XXXX fails to have the seven year deadline enforced, etc.. The person at these toll free numbers don't recognize account because too old : XXXX, XXXX, etc., and can not help.
9. Note : when my wallet " stolen, '' I called it in, and new account numbers were issues with replacement cards, some of which are the multiple XXXX XXXX cards, and XXXX XXXX cards fall. Count II : over seven years.
10. The same account can not appear twice : XXXX XXXX, charged off, wrote off and sold my account, profited by selling it to XXXX XXXX, XXXX, who increases my balance, treats the account as open, and states late.
XXXX XXXX : over 7 years of Reporting.
Law requires seven year reporting to Credir Bureaus. Immediate removals are required to All three : XXXX, XXXX and XXXX.
XXXX is tremendously lower than other two. That should not be. Told huge pint increases, over 70 points, in some, yet the SCORES do NOT REFLECT THE INCREASE, as it should. I can not get an apartment because of this.
I can't build credit because of this. Damages are accruing.
Please review and require immediate correction.
|
| 11/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
I have a Paypal credit account with the email address XXXX -- which is how XXXX ( Synchrony Bank ) identifies my account. I had set up a payment for XXXX XXXX, of {$77.00} -- but for some reason, the bank had no record of it, so I redid the payment on XXXX XXXX -- but had already been charged a late fee of {$30.00}. I called them to ask them to waive the late fee -- the customer service rep stated he would but I would still need to pay it and it would be adjusted the next month -- but I told him I'm a senior and on a fixed income and I could only make the normal payment and he agreed that it would be adjusted later and I would get a new minimum payment in 24-48 hours and he would make a note not to charge me a late fee. But what he didn't tell me was that he took the late fee off my balance and not off my minimum payment. So in XXXX, I made a payment of {$76.00}, my regular payment. Then I see that today, XX/XX/2022 the bank shows a past due amount of {$140.00} -- in addition to the {$76.00} I paid on XX/XX/2022 -- which was on time and on the date due. They had added another late fee. I called and they agreed to waive {$41.00} late fee -- so now I owe {$110.00}, instead of {$89.00} -- I guess because they seem to be adding more late fees. Although this payment isn't due until XX/XX/XXXX, it shows past due, which it shouldn't. After the representative finally agreed to deduct the {$41.00} from the minimum payment, ( though even now, the site is still stating that I'm past due ), I asked to speak to a supervisor about the {$30.00} late fee. Because I complained that the rep in XXXX did not tell me that he had subtracted the {$30.00} from my balance rather than deducting it from my minimum payment -- possibly due to the agent not having a command of XXXX because he is in a foreign country, or because he just was lying to me, I got transferred to someone in the U.S. who was not a supervisor and who accused me of disparaging the original rep 's race -- which I wasn't. I explained I wanted the {$30.00} deducted from the minimum payment, he said that they couldn't do that and even if the rep stated the {$41.00} could be deducted from the minimum payment there was no guarantee that it would. And I asked to have a supervisor call me and he said they were busy and they'd only call me back if they thought they could do something about this. I want my {$30.00} late fee deducted from my minimum payment as promised by the first rep
|
| 09/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX/ASHLEYFURN-DSG the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 09/28/2023 |
Yes |
- Credit card
- Store credit card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
I purchased furniture from Ashley furniture store in XXXX of XXXX for {$4200.00}. The XXXX and XXXX at the time convinced me to purchase the furniture by taking out a line of credit with 0 % apr which was on promotion from Synchrony. I informed them several times I did not want a credit card, and was assured that this was not a credit card. I signed the paper work for this promotion, and a few weeks later I received a credit card in the mail... I was angry, but it was not worth fighting at the time, given it was still 0 % interest.
2.5 years later, On XX/XX/XXXX, I looked at my account expecting to see that I owed less than {$1000.00}. What I found instead was that my balance was {$4000.00} with {$3100.00} payed in interest! According to them, they had deferred all my payments to interest and said that I was notified via my statements. For 2.5 years I payed my bill with autopay setup, which they apparently set for less money than what was required to meet their requirements for deferred interest. Its a scam, and they used deceitful and confusing tactics. The last 6 months I payed {$900.00} with XXXX going straight to interest! And I was unaware!
My receipt first page states that I signed up for synchrony XXXX XXXX XXXX payments, which I assume mean XXXX XXXX XXXX payments, however that is not what I got. My first few statements were steady, then drastically dropped off each month. Again, another tactic to make me miss the XXXX XXXX mark ( which I was unaware of ). On the second page of my receipt, the salesman wrote that I had Synchrony for 12 months. I think he got lost in his own deceit. To further add to this deceit, I have no documentation of the " loan '' /credit card itself. Nothing explaining this apparent XXXX XXXX deferred interest promotion. My account on the Synchrony website also has no documentation or explanation of the terms of this account. With no available documentation, how can this be legal!?!?!
I spoke to countless Synchrony customer support specialists, and worked my way to the final person. Explaining the situation to each one. Each and everyone said I was wrong, and owed them the money regardless of what I was told. They said all that mattered was what I signed and I owed them an additional {$4000.00} regardless of what I said or who I talked to.
I immediately paid the balance to prevent any further interest charges, but still feel like I am owed all of that interest back, {$3100.00}!
|
| 03/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
1.I have never had an account with this company SYNCHRONY BANK , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCHRONY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 02/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
1.I have never had an account with this company SYNCHRONY BANK , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are SYNCHRONY BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 01/29/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I have had an Amazon account for many years. In XX/XX/XXXX I signed up for Amazon Prime and the monthly fee was charged to my preferred method, that being my MasterCard Number. Then, in XX/XX/XXXX I signed up for the Amazon Store Card while I was in the midst of a purchase. It told me that it would be making my Amazon Store Card my default method of payment. As I did not want that my default payment, I changed my default back to my MasterCard. All of my purchases started going to my MasterCard as expected. Then on XX/XX/XXXX I see an email from Synchrony Bank telling me that I missed a payment on my Amazon Store Card. There should have not been a balance due as I changed my default payment back to my MasterCard. Unfortunately, when I changed the default back to MasterCard, unbeknownst to me, Amazon billed my Amazon Prime fees for the month of XX/XX/XXXXand XX/XX/XXXX to the Amazon Store Card even after I changed my default setting. As you can see in the attached screen shot, it clearly states that the default payment method will also apply to other digital purchases, but they failed to apply it to my Amazon Prime fees. I now have late payment notices to an otherwise unblemished, 100 % clean credit score because of this. Amazon needs to write a letter to each of the credit reporting agencies and to me explaining these late payments are not my fault and that these marks are to be expunged from my record. I have already talked to Synchrony Bank and the reimbursed the left fee and the finance charges. Now, Amazon needs to do their part. They also need to fix their system to properly notify their customer 's what the default payment does and does not apply to. I have also noticed that the default payment method does not effect each individual shipping address a person has. Each address appears to get tied to a different default payment method, but this is not disclosed when reviewing your wallet information on either the app or the site. This too is misleading. While they can claim Synchrony bank was sending me emails, I do not open emails unless I know I have a revolving balance with a specific creditor. As I was not aware Amazon was billing Amazon Prime fees to the Amazon Store card, as far as I was concerned Synchrony was sending me marketing emails that I was not interested in and did not want to spend the time opening them. I have since closed my Amazon XX/XX/XXXXStore account to prevent this from happening again.
|
| 06/05/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XX/XX/XXXX I took out a XXXX loan from GE Capital. It was transferred to Synchrony Bank shortly after the account was opened. I did not receive statements or invoices from Synchrony Bank. I did receive a call after 60 days from their accounting/collections department requesting payment, at which point I mentioned the lack of statements or details on configuring automatic payments. I received no information on configuring automatic payments or statements, but was contact again each 60 days to make another {$630.00} payment. In late XX/XX/XXXX I got upset and asked that the representative or their manager to assist me with getting my online account setup so that Autopay could be enabled, and that I would make the payment online instead of over the phone. They assisted me with creating my account. I added my XXXX XXXX XXXX checking account to the methods of available payments. I had to clear the outstanding balance of {$630.00} before autopay could be enabled, so submitted a payment for the outstanding balance of {$630.00}. Afterword paying the outstanding balance I enabled the Autopay feature using the same XXXX checking account. After this I did not receive another call from Synchrony Bank until the morning of Saturday XXXX XXXX, at which time I was told that the account was now 3 months past due, and a payment of {$1300.00} was required immediately. I immediately made a payment to Synchrony Bank over the phone and inquired as to why auto pay was not covering the balance. The representative had no ability to check on my online account, they were only able to collect the payment. I went and checked my Synchrony account online and even though my bank account is clearly still a method of payment the autopay feature is disabled for my account. On Monday XXXX XXXX I received a collections letter from XXXX XXXX XXXX XXXX XXXX. The envelope was postmarked XX/XX/XXXX, the letter was XX/XX/XXXX The content of the letter started off with " The above referenced account has been referred to our office for collection. Previous attempts have been made by the creditor to obtain payment of this debt. As of this date, those attempts have not been successful ''. However the account was brought current 2 days before the letter was written, and the outstanding balance was zero as of that date. I found out that Synchrony Bank or XXXX XXXX XXXX submitted a report to the credit reporting agencies and negatively impacted my credit score.
|
| 08/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I made a transaction at a JCPenney in XXXX, New York, in which I was prompted to apply for the JCPenney credit card for a discount at checkout. The cashier reassured me that the inquiry would be a soft inquiry and that it would not show up on my credit report if I did not qualify. I am a student so I ultimately did not qualify, but as I left the store, I received a notification from XXXX XXXX on my XXXX report stating that the inquiry was processed as a hard inquiry.
I first called the JCPenney customer service line and the assistant told me that that situation should have never happened and told me that they would open up a case on my behalf. I gave them my information but as of late, I have not heard back from them. I called the store after I viewed the hard inquiry on my report, to which the worker who responded told me that they would look into it and that they would call me back the next day. I did not receive a call from them so I had called them that morning and that evening, to which I did not receive a response. The manager of that store called me the next day and said that they would do " everything in their power to resolve the issue. '' I came back to the JCPenney location a couple of times to see if there was anything that I could do on my part to expedite the process, the first time being told that they would be in touch and the second time being told by a worker that " there was nothing that [ they ] could do. '' I waited 2-3 days to hear back from the manager and had not heard back from them, so I had decided to pursue the manner with XXXX directly as a credit dispute. I first called XXXX XXXX consumer report line, to which they advised me to obtain a letter of deletion from the credit card company. I called JCPenney 's credit card company asking for a letter of deletion, and I gave them my information as well as my address so that they could send me a letter to have on file. I made this call a week after I received the hard inquiry on my report and the assistant on the line told me that XXXX and I would receive the letter of deletion in no later than 15 business days and that the hard inquiry would disappear by the end of XXXX. On XX/XX/XXXX, over 35 days since I had made this phone call, I called XXXX again to see if they had received the letter from JCPenney, to which they responded that they had not received a letter from them and that the status was still the same on my report.
|
| 06/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Back in XX/XX/XXXX, some XXXX stole my identity, and wiped me out of saving, and checking, and even contacted my job requesting a change of direct deposit.That 's how i caught it. I reported the ID theft to the FTC on XX/XX/XXXX. It was recommended that I freeze my credit, Which happened on XX/XX/XXXX. As of XX/XX/XXXX, the credit bureaus unfroze my acct, without telling me. Synchrony has gone out of their way, to crush me financially. Part of the ID theft was in Paypal/Synchrony , and XXXX XXXX XXXX XXXX, quickly responded to the fraud alert and me contacting them to close the account. Paypal, however, has dragged their feet, has prevented me from paying my accounts, racking up huge fees, and interest, and now has closed all other Synchrony related accounts that I had. I get dozens of phone calls a day from them Paypal/Synchrony , where I'm just left of hold for hours with no resolution. I'm losing income due to them taking up all my time, when I should be working. Paypal tells me that I'm unable to prove who I am, on my own account, since someone changed the login info, password, and at some point phone number. Yet, they keep sending me the bills, harassing letters, and calls. They recently closed my Care Credit account which I rely on for medical and vet bills, which I pay religiously. As of XX/XX/XXXX, according to XXXX, and XXXX, I am not in collections. I don't know what to do to resolve this.
This was the exact copy and past from my previous complaint, # XXXX. Here is the new information. Instead of Paypal/Synchrony trying to work with me, they have decided to sue me. They are using XXXX XXXX XXXX XXXX XXXX XXXX from XXXX NC. Fee 's and interest have not changed, nor can I get a person from Paypal/Synchrony to contact me through email, because my phone is off. The dozens of people I've spoken with, I've told to contact me through email, and they still don't listen. This is outrageous. What am I supposed to do? This debt is partially on them, they allowed someone else to use my account, and to change the information there, preventing me from being able to simply access my account. I want to pay my bill, for what I owe. It wont be a lump sum, it will be monthly, as I continue to get out of debt from some XXXX stealing my identity.
I would think allowing me access to my accounts, to pay them down, would be a better option than suing me, but I guess big business would rather XXXX people than do whats right.
|
| 05/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I received a bill on XXXX/XXXX/19 from Synchrony Mastercard stating that I owe {$29.00} and that {$27.00} is past due. I do not remember making any purchases on this card and had not seen a bill prior to this one, so around XXXX on XX/XX/XXXX I visited the website and attempted to log in, but got a message saying that the information was incorrect. I tried to use the option " find user ID '' but received an error message telling me that my account number and zip code were invalid. I attempted this option a few more times in case I had entered any information incorrectly and each time got the same result. I also attempted to use their online chat option. It gave me a " virtual assistant, '' that told me it couldn't help me and when trying to connect me to a representative told me that no one was available. At XXXX XXXX I called the customer service number listed on the website ,XXXX. It took a couple of minutes to speak to anyone because the automated service also did not recognize my account information, but eventually I spoke to XXXX at this number. After giving XXXX my information he informed me he couldn't help me but transferred me to XXXX, where I spoke to XXXX. When I gave XXXX my information he told me I would need to speak to someone in internal review. He transferred me, but also gave me the number, XXXX. This number rang a few times and then the call disconnected. I attempted to call this number back at XXXX. It rang, connected to dead air, and then the call was disconnected again. At this point I attempted another number XXXX, where I talked to XXXX. She informed me that she was unable to help me due to the type of card I held, so she was going to transfer me to someone else. Before she transferred me I explained that I understood she couldn't do anything, but I told her I had been unsuccessfully trying to contact someone and asked if I could have another number to someone who would have access to more accounts or that could better help me. She connected me to another number, but also gave me the number XXXX. After she connected me to the other number it disconnected. At XXXX I attempted the XXXX number. This number did not connect me to a person, but instead listed off several offers that it said, I " might qualify for. '' at that point I began searching for other contact information and then found the XXXX site. After finding the XXXX site I no longer attempted to try to contact the company on my own.
|
| 05/20/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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This Collection agency Company XXXX XXXX has failed to provide proper verification of the accou nt they brought from Walmart/ Synchrony Bank/Walmart. This company has not and could not provide in formation like documents bearing my signature that I owe ( {$540.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company XXXX XXXX . Dont matter the original creditor have the same account number as the collection a gency. Synchrony and XXXX XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number unde r two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then al l files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX , XXXX , and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
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| 03/26/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American, Servicemember |
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On XX/XX/XXXX, I purchased a sofa, loveseat and recliner from Ashley Home Store. Due to our height and age, we meticulously searched for the most comfortable set and finally decided on on group. Since Ashley only has display furniture, our furniture had to be ordered and wasn't delivered until XX/XX/XXXX. On XX/XX/XXXX, my husband visited the store and talked with the sales representative, explaining how hard and uncomfortable the furniture was to sit on, and actually invited the sales representative to visit our home to see for himself. Of course, he declined and said we would need to contact Customer Care which I did on XX/XX/XXXX, through a chat session and was given Ticket # XXXX was issued. On XX/XX/XXXX, after hearing no response, I again contacted Customer Care and was advised to take pictures and email them as they wanted to be certain there was no damage to the furniture. The furniture still has the tags on as no one wants to sit on the furniture. In fact, we have turned the furniture around so the seats are facing the walls and thus no one will sit on them. The furniture is still in the original condition with the tags, but it is not the same quality and comfort as the display in the store. On XX/XX/XXXX, the pictures were emailed to XXXX as requested. On XX/XX/XXXX, after hearing nothing further, I again contacted Customer Care and spoke with XXXX who said the seat cushions were to be replaced, but I asked about the back of the cushions also as they are just as bad. He said he would need to check further and get back to me. On XX/XX/XXXX, after hearing nothing, I again attempted to call XXXX, but was advised he was on the line with another customer and would call me after the current call. No reponse, so I attempted to contact XXXX again. After multiple attempts, Ashley Furniture continued to ignore and honor our Sales Contract. I then contacted Synchrony regarding the Breach of Contract, and they opened a dispute. Later, I was advised by Synchrony that Ashley Furniture said I had never filed a complaint, so a second dispute was initiated. Then I was told there was no longer a warranty on the furniture, yet I had purchased an extended warranty. A third dispute was filed and subsequently denied.
After numerous letters to multiple officials, Ashley Furniture finally agreed to pickup the furniture and promised a full refund. Hopefully, they will now honor their comments and a full refund will be issued.
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| 02/27/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I opened a dispute on XX/XX/XXXX with Synchrony Bank for the Broken Merchandise I received from Amazon, First I tried due diligence with the merchant to have exchange the Broken/defective product I received from them, the merchant denied me to exchange or return the product I purchased no leaving me option than file a Dispute with the Credit Card Company Synchrony Bank XXXX On XX/XX/XXXX, I spoke with a supervisor name XXXX ( 7XXXX ) Pacific time, I explained him the situation on the Dispute, even I mentioned him I did sent Photos of the Broken/defective merchandise on the Bank website, However I have not received any answer from their dispute department. I reported if the Merchant wants their broken item back, they need to send me Free Shipping Level because I don't feel right to pay off my pocket for the shipment in a broken Item, I received with more than 150 Lb weight or to have the merchant exchange me its defective product. XXXX acknowledged my Inquire and promise me to resolve this issue, as the time goes this issue never got resolved because I never received any information from their dispute department stating it got resolved, instead I been receiving emails trying to collect money from that purchase. So Today I contacted Synchrony Bank again I requested to speak with a Supervisor because the Fact its been almost 2 months and not information was given by the bank in regards my dispute for the defective product I received. I spoke today with XXXX I explained her last time I spoke with XXXX another of her colleagues in regards this dispute as he promised me to have it resolved for me, but instead I received debt collections Notice by the email and nothing or not information at all About the dispute I opened on XX/XX/XXXX. XXXX advised she will reopen this dispute I asked her if she can send me an email in regards also to cease any attempt by the bank to collect any amount of money while this item its in Dispute, She said will add too in the email I will received within 24 hours, As a way to be proactive I mentioned her I would do a report with The CFPB because there is a communication Link between her Customer Service Department and its Dispute Department because the fact never I received any information in regards this dispute I opened on XX/XX/XXXX. I'm attaching the bank Statements from XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX for information. Please look XXXX and XXXX statements shows the item in dispute.
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| 11/08/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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RE : Dog-related case.
Claim number : CareCredit ending in XXXX Dear CFPB : I am writing on behalf of the patient, XXXX. I am the Owner of XXXX.
Patient : XXXX XXXX number : CareCredit ending in XXXX Provider : XXXX, XXXX, CareCredit Date of Service : XX/XX/2019 through XX/XX/2019.
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019, I received notice that this claim was denied.
I am writing you with respect to the following claim.
The explanation that accompanied the denial is inadequate and I need additional information. Please provide an appropriate explanation.
In support of this claim, nobody reads the documentation.
The professional 's lack of carelessness directly caused the death or damage " XXXX endured/ suffered. XXXX pet ER ( Synchrony bank required agreements starting with Vets ) also didn't incorporate to whatever provision obligating clinic ( the subcontractor ) to comply with the rules. The professional error made me lose my dog, but also that XXXX would be alive if no mistake had been made. Synchrony Bank failed to practice the selection procedures uniform, to all applicants, which resulted previously in a contrast in the rates of acknowledgement of XXXX and XXXX were approved. XXXX decided doctor 's facility at present needed to comply in light it might have been a regulatory subcontractor. The mischief XXXX suffered on behalf of the professionals resulted in a real economic loss to me. Professionals have neglected to use at least ordinary professional skills to carry out the task. The persons claimed to be specialists, in which case the standard is higher. The physician or other experts owed me a duty of care. You are required to notify Law Enforcement of Crimes against Persons ( Mandatory Reporters ). Dispute is being reported against physicians and various specialists. Accurate or deceptive reports by financial firms and other violations of accounts. Infringing the responsibility to treat the patient or client equally. Take the customer 's money. Misrepresentation or omission of essential XXXX data. Move the account.
The adversary in this action is three entities affiliated with Synchrony Bank : XXXX, XXXX, CareCredit. No standardize screening practices for dog XXXX. Notes were not substantial. More concerned with personal objectives. Knowledge level of agents : 4 ( ranging from 1=Very Poor to Ten=Very Good ). Number of phone transfers : 5-8. Didnt improve customer satisfaction.
|
| 04/29/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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Am seeking info on how to contact the financial institution Synchrony Financial. My PayPal Extras MasterCard is issued by Synchrony Financial. I called PayPal to request a replacement for a lost/misplaced card. PayPal " XV2 '' agent reviewed my recent charges for month of XXXX. A {$1.00} charge to " Card Security '' on XXXX was the only transaction. I did not make that purchase/charge and I did not sign up for a recurring or subscription to a card protection service for this credit card.
PayPal agent did not see any prior charges to this " merchant '' in my PayPal account history. She had no transaction ID or any reference to the charge, just a telephone number XXXX. The PayPal agent flagged the {$1.00} transaction and marked it as suspected fraudulent charge and cancelled that PayPal Extras MasterCard number and ordered a new card to be mailed to me.
I attempted calling the number associated with the charge twice, once per day on XXXX and XXXX but received " we are currently closed '' message.
I was able to make a phone connection this morning [ XXXX ] to what I suspect is a call center. First agent would not answer my question, " Where is Synchrony Financial located? How can I contact them regarding my account? '' I was asked for my full name, last 4 digits of my card number and my address. I repeated my question and told the agent I wouldn't give that information in order to simply contain the company 's contact telephone number. I terminated that call and went to a website given on the pre-recorded announcement, www.mycardsecurity.com. On that website, a number for Benefits Representative of XXXX was given.
When calling that number, got another call center who also asked for my name, address and account info and would not give me the Synchrony Bank contact info. He said that their company HQ is in XXXX, GA. This agent said he could look up my info with my Zip Code. When doing so he said I had signed up for the card security in 2009. This could no the possible because I did not even have a PayPal account in 2009.
XXXX search for Synchrony Financial states headquarters is in XXXX, CT. I suspect that the Synchrony Financial website may have been spoofed. I would like authentic contact information for Synchrony Financial to speak with someone about the alleged " Card Security '' service. I am concerned that the the {$1.00} charge to my PayPal Extras might have been a " ping '' to verify an active card.
|
| 03/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
I have been disputing an account on my credit file, with XXXX XXXX for over 2 years and they refuse to prove that it is mine.
On XX/XX/XXXX I sent a dispute letter to XXXX XXXX regarding an account on my credit report for which they claimed that I owed {$420.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period.
On XX/XX/XXXX I followed up with another dispute letter to XXXX XXXX stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting.
On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature.
On XX/XX/XXXX I sent another dispute letter to XXXX XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX XXXX to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
On XX/XX/XXXX I received a letter back from XXXX XXXX stating that the account was sold to XXXX XXXX XXXX XXXX.
|
| 11/12/2016 |
Yes |
|
- Credit line increase/decrease
|
|
Web |
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I am writing as a loyal Amazon Prime customer to voice my concern about the use of Synchrony Bank for Amazon Prime Store Card. I know I am one of many, many, many millions of Amazon Prime customers but I feel it is important to express my disappointment in Synchrony Bank and if it is a common compliant from Amazon Prime loyalists, maybe a change could take place in the future.
I have struggled over the last years to get my financial life back on track and am now heading in the right direction. I recently paid off my Amazon Prime Store Card balance. Prior to totally paying it off I never missed an monthly automatic payment. After paying off the card, I wanted to take advantage of my Smile Amazon to buy some holiday gifts, give to my charity designation and use the Amazon Prime Store Card for the cash back option based on the amount you spend. It was at that point that I learned Synchrony Bank had dropped my credit limit from {$800.00} to {$100.00} ( TO DATE, I still have not received a letter about this and as of my XXXX statement I still had an {$800.00} limit ).
I called to voice my confusion to Synchrony Bank and after finally getting through to an American based manager ( it took a bit as the XXXX based telephone consultant kept saying " I am so sorry for your concern '' but would not connect me to anyone ). The manager informed me that Synchrony Bank runs regular credit checks ( every six months ) and she went on to list my credit rating and why my poor credit history caused my credit limit to be dropped ( very condescending in tone ). I asked if I had ever missed a payment with Synchrony Bank Amazon Prime Store Card and now that my balance was {$XXXX}, why would the Bank do that? She informed me it had nothing to do with my good payment history with the Bank or my XXXX. I went on and checked my credit score tracker and because of Synchrony Bank dropping my credit limit, I went down XXXX points on my credit score due to a " decrease in available credit '' from Synchrony Bank. So as hard as I had been working to increase my score over the last six months, it was ruined in one moment and I have less available credit for my Amazon purchases for the holidays.
Sorry for this long email but I had to express my frustration and wondering if this has happened to other Amazon Prime Store Card holders. I certainly understand if the Bank does n't extend more credit but dropping the credit limit seems unjustified.
|
| 04/13/2015 |
Yes |
|
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Web |
|
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I had a sick pet XXXX at the XXXX animal hospital in XXXX XXXX. The XXXX suggested I could pay for the procedure with Care Credit 18 month interest free. Having no money for the procedure it sounded like my only option at the time so I signed up. I set up my payment plan and started making monthly payments. I continued to pay on a monthly basis and thought I would be paid off by the time interest would start to accrue and it would be minimal at the end of 18 months. In the mean time follow up visits to the vet were necessary and paid for on care credit. I continued to pay monthly payments for roughly 3 years. My statements were electronic and I set up automatic withdrawal from my bank account. Thinking I was close to paying off my debt I went on to the care credit website and intended to pay the remaining balance in full. I was shocked. I now owed more than my original balance. I owed even more than my entire credit limit with them. The customer website was no help. I can log in, make a payment, and see my balance, however it is unclear what I am actually paying for and there is no history of my original transactions. I found it odd that the account history was not available save that I made my regular payments for the last few months. I contacted customer service and they explained that I owed them all the interest at 26.99 % as it was n't interest free, it was actually deferred for the 18 month promotional period. This was never explained to me when I agreed to use this credit line. I asked what I could do about deferring the interest and paying my remaining balance. Customer service told me I could resolve this and settle my account by paying my balance in full including the 26.99 % interest. Upon inquiring what other options were available I was told I could go into default, which would adversely affect my credit. Pay them or ruin my credit. I then requested a paper copy of my account history, which I now have. After researching if this has happened to anyone else I came across this article on the XXXX website : XXXX XXXX This is what happened to me. I am willing to pay what I owe on the terms I agreed to. Not what I unknowingly and unwittingly agreed to. I believe I was deceived by GE Capital and Care Credit and have been taken advantage of. My debt has been more than paid in full and at this point I am just paying interest on a balance consisting of interest. GE has made enough off money of my misfortune.
|
| 09/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/XXXX I had contacted Synchrony bank to advise them that my Paypal account was a fraudulent account. XX/XX/XXXX I had disputed the account, XX/XX/XXXX I sent in another dispute along to advised them I as incarcerated during the time of this account and transactions were being made. On XX/XX/XXXX they confirmed the account has been resolved in my favor. However, there were money being paid on this account every month for over 3 years. I have requested a payment refund request for at least over {$3000.00} I had sent them letters from the bank acknowledging that it was my account that the money from Paypal was being taken out of my bank account. I had sent them over 80 pages of bank statements showing that PayPal was taking money out of my account on a account that was fraudulently opened. On XX/XX/XXXX they stated give them 2 billing cycles. I called back on XX/XX/XXXX to check on the status if my refund they stated I need to resend bank statements. Did that on XX/XX/XXXX they confirmed they received it and to allow 30-45 days so I called on XX/XX/XXXX they stated they could not use the bank statements I sent in so on XX/XX/XXXX I called and they confirmed they received my documentation and allow 30-45 days. I've called every month and get transferred to several people I even spoke with the fraud department and they stated they were sending a email on XX/XX/XXXX to allow 3-5 days called back on XX/XX/XXXX they stated my account need closed from the fraud department and to call back in 3-5 days I called back on XXXX stated nothing has changed and to call back so on XX/XX/XXXX I called spoke to 2 different departments 1 lady stated she dont see no change and suggested i call recovery department spoke to that department the guy seen my 82 pages of bank statements and stated he's sending the information over to request a refund and to allow another 30-45 days to call back.Here we are today and still no payment refund. I've been dealing with this situation for 8 months for them to process my payment refund request. They have been giving me a run around, wasting my time and energy, This is very stressful considering they state that the payment refund department doesn't have a phone number to call they can only send emails. It didn't take them 8 months to take money from my account but its taking 8 months for them to return my money especially they have the bank statements to showing they were receiving payments.
|
| 03/11/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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I was supposed to be a co-signer for a Care Credit at a XXXX office, multiple times while the application was filled out and my signature was obtained both the main individual and myself were constantly told I was just the co-signer. About 2 months passed and neither the main individual nor I received anything from Care Credit, recently when I began to receive a bill that said the account was overdue. I spoke to the main owner of the account and he told me he had not recieved any bills yet. I personally went to the XXXX office and their employee told me that the main owner of the account didnt qualify with a co-signer so they decided to open the account solely in my name. I brought it to the XXXX employees attention that at all points through the process we were informed I was just a co-signer. Her response that it was too bad that there was nothing they could do to fix it. I told her if need be I would seek legal assistance because my signature was obtained through misrepresentation. The XXXX office employees response was that I should do what I had to.
When the individual that was to be the main on the account went to the XXXX office and asked what they did as XXXX ( me ) was supposed to be a co-signer and they kept saying the account was being opened with a co-signer. The XXXX office employee repeatedly apologized and said they made a mistake. We continue to try and speak with the XXXX office about resolving this and their less than useful employees that created this mess have taken to saying too bad or ignoring calls from the main individual. Further when the main attempts to call from another number, as soon as they know it is him, they hang up on him. He has not been able to speak to a supervisor or anyone at that office now.
I have reached out to Care Credit to attempt and resolve this as I would not have agreed to be the sole owner on this account. After speaking to multiple Care Credit employees and telling them if need be I would file a complaint I was told to go ahead and file a complaint that they had no idea what the XXXX office did and they could not help.
This is extremely stressful as neither the main not I know. Care Credit has XXXX offices providing misleading information and obtaining agreements through fraud and misrepresentation. Further, after speaking to their multiple call lines they do not work with resolving issues created by XXXX offices desperate to open accounts for them.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Care Credit which is finance by Synchrony Bank has ruined my credit by reporting a late payment for the month of XX/XX/XXXX. I have worked very hard to maintain good credit and this situation has caused me so much stress and sleepless nights. I have been in an on going battle with this company in regards to settling my account since becoming unemployed. I opened my account in XX/XX/XXXX at which time I signed up for their card Security program, which is advertised as a source of protection in the event you become unemployed or disable. The monthly fee for this program was {$230.00}, this fee is a percentage of the daily balance. I paid this fee and my minimum payment every month on time for over a XXXX years. Unfortunately, due to the effects of covid the company I worked for experienced serious financial hardship and laid me off. I contacted Card Security to inform them and to initiate a benefit claim. My minimum payment was paid for 3 months then all payments stopped. I was sent a letter stating that I had not submitted the requested documents needed to further review my claim. I called and spoke with a rep to explain that I did submit the documents by uploading them to their online portal. The rep stated that their portal was down and could not verify if my documents were received. The portal was down for over 3 weeks at which time I was told that I would need to resubmit the docs again. This went on for several months. I have submitted all documents and they keep giving me the runaround. They took my money for a over 2 years and at a time when I really needed assistance, I was denied and given 1000 excuses.. I have spent countless hours on the phone with a rep or on hold trying to resolve this matter to no avail. During this time, I've had to make my monthly payments while being unemployed. I received a letter in XX/XX/XXXX, stating that a payment had been made in the amount of {$700.00}, which did not satisfy my balance. When I called in to inquire why, I was told that my benefit was approved for " reduction in work hours '' and not for unemployment. I requested that my case be escalated to a manger and to this day I still haven't received a response or a call back. I have been charged with ridiculous interest fees. I need the late payment for XXXX removed immediately. My credit score has dropped over XXXX points. All my other creditors show that all my payments are on time. I need this corrected asap.
|
| 01/27/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
I went shopping at an outlet mall in Florida when I was about XXXX XXXX XXXX. The lady at the cash register who checked me out, offered me the XXXX XXXX Credit Card which would take 20 % -30 % off of my purchase. So I said sure but I still want to pay cash. I got approved for the card and gave her cash ... But I guess she charged the items to the clothes as well. And I had no idea about this. I was a young kid and didn't know anything about credit cards or how they worked at all, I was only XXXX XXXX XXXX. So 2 months later I get some mail saying I have a late payment due, which I had no idea about. So I called the company to try to figure out what was going on and resolve this situation, but they were of no help. I racked up late fees on the account and had to pay an extra {$92.00} for being late. I was only working part time when this was going on so I really couldn't afford the {$170.00} balance and {$92.00} fee or whatever it came out to, I was a broke XXXX XXXX XXXX. I tried to get them to understand where I was coming from, my mistakes, and how I wasn't aware I was late. I was hoping they would reason with me and take the late payments off since I didn't even know they were though, but they didn't. They said I needed to pay in full, and I could not afford to. They would not help me out in anyway, so I had to borrow money from my dad who was not making much money at the time either, just so I could pay off this card. I Paid it in full, and then closed the account to make sure this did not happen again, and because I was very unhappy with XXXX XXXX Credit Card support, they made me not want to continue business with them ... As you can see this is the only late charge on any of my accounts and my oldest one is over XXXX XXXX XXXX I have paid on time to everything else and have been extremely proud of my credit standing.. Until just recently.. My credit dropped 31 points!! Out of nowhere! On my XXXX Credit Scorecard it says reasons affecting the drop were number of missed payments.. This late payment with XXXX XXXX was back in 2013. Plus, last time they updated my credit report to XXXX was XX/XX/XXXX, XXXX SO this clearly was already on my credit history and reported years ago, but is just now affecting my score?? I think something went wrong, because this was already on my account and shouldn't just now be affecting me.. Sorry for the long message, but I hope you can understand where I am coming from.
|
| 11/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Mr. Attorney General : I am writing in hopes to shed light on a company that I feel is operating unfairly. On XX/XX/XXXX I purchased a whole house generator. I financed the generator through XXXX XXXX. The agreement was to extend for 36 months, 18 months interest free. In good faith in XX/XX/XXXX I signed up for auto payment with the ability to receive monthly payments notices as reminders. As I look back, I received two payment reminders in XX/XX/XXXX. With the payments on auto pay I continued to make payments monthly without payment reminders.
In XX/XX/XXXX, XXXX XXXX attached {$4500.00} interest. It was then that I realized I had missed the 18 month deadline for repayment without interest. Since XX/XX/XXXX, I have received a written monthly notice for payment. I was never notified of the interest free period coming to an end as agreed to. I felt the details of the contract would be upheld but I see that it was not.
I see this as unfair and it appears deceptive. I feel as though I was targeted. I did not receive monthly notices until the interest payment was added, now I receive them every month. In their failure to provide monthly notices, I did not make the final payment, as I would have, had the notice been sent that the interest free period was to end. In this way I feel that this company purposefully declined to send notices so that I would forget about the interest free period which allowed them to add the interest accrued. I wonder how many others have experienced this behavior from them and have also had to pay back interest. I am able to fight this but what about the elderly and the infirm who depend on these products and are taken advantage of by this type of financing.
I do think this is unfair practice for their patrons. This builds distrust. I will never do business with this company again as I feel they failed to provide adequate notification of contract changes. I feel they should remove the interest accrued as they failed to provide me with the monthly payment notices as agreed. I do feel had I received these notices, I would not have missed the interest free payment date. This pattern of practice, although maybe legal, is not fair.
Please take a look at this companys practice. Their use of these types of loans are set up as a trap and should be discontinued if proper notifications can not be sent. Thank you.
Sincerely, XXXX XXXX
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| 10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
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I admit I made a late payment. I was struggling financially because of gas prices. I couldn't even afford to make a lunch at home and needed money for gas to get to work. I haven't made a late payment in a long time. I asked if late fee could be waived. I was told yes by " Customer Service Operator '' My next bill next payment/statement was ALOT more than my regular payment PLUS a late fee???????. I called to ask why this happened after I was told late fee was dropped and my payment was accepted. The " Customer Service Operator '' I spoke to was rude and difficult to understand I'm not even sure he understood me. So ... .Ok I got very agitated, all ready trying too hard to pay my bills. and gas to get to work. Oh ... and also ... ot takes almost HALF AN HOUR to get through to a " REAL PERSON ''???? Their Call System has way too many push button " requests '' I called back and got someone else who sounded nice and understanding but then she wasn't. I still wasn't getting an answer why this happened and I told her if the calls are recorded then a manager needs to go back and listen to it. Nothing was resolved. Each call got more and more frustrating. I demanded my account be closed. I cut up and burned my card. I used this card to help me afford my prescription medicine until my Insurance Deductible was met, some covered health products and some pet health products... I rather do without than be treated like this.!!!!! Something has changed with this company. Lately, too many " customer service '' " operators '' can barely speak understandable English and sound like they read off a script and don't really have their own reasonable explanation in their own words or even how they can help resolve the issue. Plus they are reluctant to transfer to a Manager. I know I owe money. But I am NOT being taken advantage of and paying back ONE CENT more to Care Credit. I've had enough of disrespect and attitude and lies and incorrectly trained " customer service operators '' my credit is in jeopardy all ready. I've tried so hard to maintain it. I don't need a company ruining it for me and making my credit even more negativily effected because I was lied to about a {$30.00} late fee I couldn't afford to pay and Now look at it!!! I'm NEVER going to be able to catch up. Shame on them. I've been with them for about 6 years ... .well NO more. I'm done. Life is difficult enough. This is the thanks I get for paying on time????
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| 12/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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On XXXX XXXX, XXXX my back made an auto pay to XXXX XXXX XXXX XXXX/Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, in the amount of {$180.00} I will attach a copy of the cleared check.
On XXXX XXXX, XXXX the check cleared my bank, but my account with XXXX XXXX /Synchrony Bank was still due,.
On XXXX XXXX, XXXX I received and email from this bank telling me my account still due with late fee interest. I call this bank right the way and told them I made the payment as I mentioned above. They waved the late fee, but my account is still due in the amount of {$180.00} on XXXX XXXX, XXXX. The rep told me to fax them a copy of the cleared check, and it will take up to XXXX to result this. I faxed and confirm the fax went through on XXXX @ XXXX.
I called to follow up on XXXX/XXXX/XXXX @ XXXX phone # XXXX spoke with a rep name XXXX, he said raised dispute in the case of missing payment.
On XXXX/XXXX/XXXX I went ahead and paid the {$180.00} so that I wont be late, and counting that they will find my first payment and credit me back.
On XXXX XXXX I called again spoke with XXXX & XXXX/supervisor told me refund check will be sent arrive in 5 to 15 days. Two weeks past no check.
On XXXX XXXX I called again spoke with XXXX stated nothing show of check being sent out. Then I asked to speak with a supervisor, at XXXX XXXX/customer service said will work on credit {$180.00} back to the card with in 5 to 15 days.
On XXXX two weeks later nothing has been done, @ XXXX I spoke an account manager came on name XXXX said ; on XXXX someone discovered the {$180.00} applied to the wrong account and he will request to putting the $ back into my acc, and will have a resolution on Monday XXXX and XXXX will call me back. Again no one call me back. I called back to find out no one has done anything about it.
On XXXX I got on chat with this back instead with XXXX XXXX, to find out the same thing nothing been done, some is working on it and will call me back within 48 hours, guess what have not heard from them.
On XXXX got on chat with them again, chatted with XXXX XXXX and supervisor name XXXX XXXX, told me the same thing again we are investigating it and will get back to you.
On XXXX at XXXX spoke with XXXX XXXX and XXXX XXXX and then abck to XXXX XXXX XXXX XXXX told me to fax the copy of the check a gain so they can look for this money. This will take another 2 to 3 weeks.
I still do n't have my $ back after almost 3 months.
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| 11/16/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I have a complicated issue with an old charge account. The original creditor was GE Capital, now Syncrony Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We both had GE capital cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made in XXXX and XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called Synchrony to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late?
Additionally, I sent a validation request to XXXX XXXX as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if XXXX XXXX is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.
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| 10/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
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I am very disappointed with Lowe 's Synchrony Bank. Every time that I get a promotion they like to join all the purchases in one statement no matter the amount, date and year. Today, I was checking my statement and I notice interest charges, I called customer services and Ms. XXXX said that I did not have any interest charges unless I pay late or I went over the time. So, I end the call and I went back to my statement, but I went to see the second page and I noticed they really were charging interest in one of the account. I called back, the another member answer Mr. XXXX, I explained to him and asked whey they were charging interest on that statement because I always pay on time and I pay more then the minimum payment, so I don't pay late fee or interest. I was astonished when he said that I had called then and they recorded that I requested to change one of my special promotion to be regular and that is why it was a charge of interest. I was so upset and I told him that I need that recorded request and I need it to speak with a supervisor. So, he transferred me to the supervisor Ms. XXXX and I explained to her what Mr. XXXX said to me. Then she put me on hold and when she came back, told me that was a mistake from them, but she could not give any credit of the interest they have been taking every month on these promotion accounts because is been for a long time they have been charging this. I told her that was not right because it was not my fault, but she said she felt sorry, but nothing she could do. I asked again, nothing at all, then she said well I can give you the last two month of {$6.00} and I told her, you all have been taking {$3.00} every month and she repeated again I am so sorry but nothing I can do. This is not the first time they do this. They do the mistake and we as customers we pay for their mistakes. Very bad. I don't know if I am going to use any more that credit card and the thing is that Lowe 's does not give any support to their customer on this kind of situation. I also, called Lowe 's, but they said nothing they can do because I need to fix this with Synchrony Bank. This Bank is locate at XXXX. XXXX XXXX and their number is XXXX. I put a complain at XXXX but hey have a request from Synchrony Band to ask the customer to get in contact with Synchrony Bank before. I did put the complain, but I saw on XXXX a lot of people had put a complain on XXXX and no resolution with this Bank.
|
| 12/27/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
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|
Web |
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I purchased a keyboard at XXXX XXXX on a 0 % interest credit card through Synchrony Bank with XXXX XXXX. A couple of months into paying this off I realized Synchrony Bank recorded this purchase on a 29.9 % monthly interest payment credit card and that my balance was higher then the original purchase. I called XXXX XXXX and their records showed that the purchase was indeed on a 0 % interest card while Synchrony Bank still showed a 29.9 % interest fee. I spent about 4 hours on the phone with managers at XXXX XXXX and the ultimate response was that Synchrony Bank needs to fix the problem and that they themselves are unable to contact Synchrony Bank. I then over the course of months spent 10-12 hours on the phone with various Synchrony Bank managers and they said the same thing -- that this is XXXX XXXX 's problem and that XXXX XXXX needs to fix the problem. After a total of 15 hours back and forth of conversation no one is helping me resolve this problem and I have a few hundred dollars of interest payments on my account that are not mine to pay. In truth, this SHOULD have be a XXXX minute fix -- i.e. XXXX and Synchrony Bank communicate and Synchrony Banks makes a change in their system so it matches XXXX XXXX.
I got to the point of having a manager at XXXX XXXX fax over forms to show Synchrony Bank that it was a 0 % interest purchase ( on XX/XX/2018 ) and it's now XX/XX/2018 and Synchrony Bank is saying they never received them, though what do you know -- XXXX XXXX records show they were received. The forms were twice faxed to the correct number with the correct title memo. I have no idea what to do. This debacle has been more difficult then purchasing a house or a car and NO ONE can resolve the situation. More so, no one on either end has interest in helping me. The worst part is that this was THEIR mistake, and they can't own it. Resolving the situation has fallen 100 % on myself. Synchrony Bank and XXXX should not be allowed to do business together. They should honestly be fined. I was in essence swindled out of money that was and is STILL not a part of my purchase in XXXX XXXX 's system. Why can no one resolve this??? It makes no sense and is horrible business practice. Can no one at either company REALLY speak to each other and amend the situation. Shame on both companies. My only option at this point is to complain here and find a lawyer for this measly {$400.00} interest on my {$760.00} purchase.
|
| 10/30/2015 |
Yes |
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Web |
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|
I was in need of emergency dental work but did n't have the means to do so at the time.I went into my dentist office and was asked to apply for the care credit card/synchrony bank.I was told that it was an internet free card.As time went on and after making multiple payments I often noticed that my balance did n't decrease much over the years.They often applied late charges to my account even when I paid on time.They often sent my account to the credit bureaus after a week 's time or before the 30 day reporting period.I always disputed them with the credit bureaus and they removed them from my account.I was never told when signing up for the credit card that the interest was being deffered and that my {$1800.00} balance would now increase to {$2800.00}! I paid my bill on XXXX, 2015 in the amount of {$94.00} as stated on my bill.When I called to check the balance it stated that I still had a balance of {$2800.00} even after the payment which was paid on the due date.I then asked for a representative and he told me that my balance will never decrease because I am only making minimum payment due.I then asked for a supervisor and she repeated the same nonsense.She went further to say, '' if you continue to pay the minimum amount due you will pay off your debt in 15 yrs and will end up paying a total of {$7700.00}! She then said if you pay at least {$110.00} a month you will pay it off in 3yrs and will be paying {$4100.00} ''! Are you kidding me.I could n't believe that an {$1800.00} credit card limit would increase {$1000.00}! I had to research this company 's business practices after looking at the scam that was going on and saw that I was n't the only one feeling this way and saw that CFPB filed a lawsuit against them for these predatory lending practices.They are worse then the payday loan places! I hung up from the call after no resolve.I then took a moment and called them back to ask for the reimbursement form mentioned in the lawsuit because I never heard or received information regarding the lawsuit.They said my account did not qualify for the reimbursement in the lawsuit.I find it hard to believe when I got the card during that time period.I 'm fed up with being taken advantage of by these people and the injustice of it all.It is sad that they are taking advantage of people in need of immediate healthcare.Please help me get to the bottom of this issue.They dance around the questions each time I call.
|
| 05/04/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX We made a purchase for {$1300.00} at Lowes store number XXXX in XXXX XXXX Virginia using our Lowes Credit card. As the sale was being finalized and the Lowes credit card had been swiped the store 's computer went down which prevented the store form printing a receipt. When the system came back up there was no record of the sale in the stores computer so no receipt was able to be printed. A manager called card services and he was assured that the charge would not post and if it did it would be removed. Based on that call the store re-rang the purchase and we processed the Lowes card for the identical amount of {$1300.00}. On XX/XX/XXXX the both charges appeared on our statement despite the assurances that only one charge was going to be processed.
We called the credit card company and disputed the charge on XX/XX/XXXX. On XX/XX/XXXX we received an automatic stating that our dispute had been resolved on XX/XX/XXXX without any detail. We opened the email on XX/XX/XXXX and immediately checked the account only to see the charge was still showing. After ~2 hours on the phone and being transferred around to multiple people how could not/ would not help I was placed in contact with XXXX XXXX She realized that the original dispute had been entered incorrectly and therefore closed incorrectly. She re-opened the case with clear notes as to the facts and assured us that no interest would accrue on the charge while it is in dispute.
On XX/XX/XXXX, we called Synchrony Bank for a status update. After only being told that the charge is being disputed I asked to speak to a manager. the Manger said that Synchrony Bank does not credit accounts and that they have to wait for Lowe 's to process a credit. I had to push to understand if they even had reached out to Lowe 's to get this resolved. to which he said that they had reached on on XX/XX/XXXX. two weeks after I called. The bank could not say what they were actively doing to resolve this. The statements say to dispute charges we have but then they do nothing to actually get resolution.
Simultaneous with the above efforts I have reached out to the Lowes store we made the purchase at to see if they will help. Unfortunately the Managers on duty do not call back and when we have spoken to the customer service desk they point us to the credit card company.
Desired Resolution : the Duplicate charge removed from my account with no accrued interest owed.
|
| 10/11/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
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|
Early XX/XX/XXXX - XX/XX/XXXX I had purchased hardware through a company overseas. During this time everything was going well but it turned out to be a fraudulent company and that company did not obey by their terms and conditions. I filed a complain I believe on XX/XX/XXXX. During this time XXXX XXXX they said it would take maximum 60 days or two billing cycles to complete the investigation. This is some of their terms on their website. https : //paypal.syf.com/XXXX " Once we receive the completed form we will conduct the investigation and will provide you with a response as soon as possible, but no later than two full billing cycles from the date of your inquiry. '' " Upon completion of our investigation, if we find a billing error ( s ) has been made, we will make all required adjustments to your account and the adjustments will be shown on your statement. If we find that the charge you are disputing was valid, we will notify you in writing explaining the reason ( s ) why and the disputed amount will be placed back on your account. '' On XX/XX/XXXX, they reversed my charges but did not send me anything in writing to explaining the reasons and why the disputed amount would be placed back in my account.
On XX/XX/XXXX i was talking with a representative on the chat online by the name of XXXX who said the dispute was not fully completed and there was a mistake by that team by closing the dispute. I questioned that as I abide by their two full billing cycle window to have everything completed. I wanted to talk with a manager and she transferred me to XXXX the manager. She also said the same thing and said she needed time to investigate this issue further. She assured me she would call me back on XXXX or XXXX. She did not.
I went to live chat again on XXXX and talked with XXXX XXXX who summarized that there was supposed to be a call back today by the concern team but they failed to do so. He once again said he would escalate this to a manager to fix this issue but didn't say anything about when.
With this back and forth it had dropped my credit score 41 points on XXXX XXXX and -32 on XXXX due to raising the credit utilization. I am trying to buy something personal for my family but this spike has caused unnecessary frustration especially after I waited over now 70 days and I provided all necessary information to the company only to see how unprofessional they take care of their clients. Please help!
|
| 01/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
In XXXX of XXXX, my wife and I moved to a new house in XXXX Ca. As a result, we used our XXXX from Synchrony Bank more than usual as well as another credit card from another bank. The purchases were for goods and services needed for the new home and would be in line with what one would expect in our situation.
Synchrony started questioning our purchases by not allowing the purchase to be made, they were telling us the purchases were not customary and therefore may be fraudulent. After repeated calls to the bank and their fraud department to explain we had just moved and had purchases as a result, they still prevented us from using the card by blocking transactions we were trying to make. Fortunately, we do have another credit card from XXXX XXXX which allowed us to make the needed purchases.
Please note, at no time were we late on any of our monthly payments, they were always paid in full each month and on time. We have had the card since XXXX and have only recently had troubles with the bank.
When we contacted the bank, we were treated very rudely as if we had done something wrong. The bank then told us we needed to add a second layer of security by taking a picture of myself ( I am the main cardholder ) and adding it to their website via cell phone. Well, I do not have a cell phone and after several attempts using my wife 's and again contacting the bank for their help, it did not work. We have been waiting for the bank to come up with a solution but we have not heard from them since. In the meantime, the account has been put on hold so it can not be used and we have paid any open balances. The card currently has a zero balance.
In XXXX, I received a letter from the bank stating the account will be closed due to two reasons : 1. A restriction placed on the account for suspected unauthorized use.
Note : There has never been any unauthorized use of the card, the bank has never provided details of what they feel the unauthorized use was, nor has there ever been any dispute of charges made on the card. We have always paid the statement in full and on time.
2. Subsequent inactivity on this account.
Note : The bank has placed the account on hold, we couldn't use the card if we wanted to!
They provided a phone number in the letter they sent, but due to the unprofessional way in which we have been treated on the phone previously, I decided to write a letter instead.
No, we have heard back from them.
|
| 10/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
On XX/XX/2022, I started a phone application wi5h Care Credit. After I was transferred to a live agent I decided to cancel the application.
Later that night I was looking into my finances and checked my credit score. While reviewing this I found that Care Credit had submitted two inquiries into my credit. At first I wasnt concerned thinking one was soft, early in the phone call and the second was a hard inquiry. In looking further, I found that both were hard inquiries. I did not think to get a screenshot of this.
I called the credit bureau listed and was told I had to talk directly with the company from which I applied to.
The next day I called Care Credit XXXX Synchrony Bank. I had multiple phone calls with them. They told me : *I needed to talk with the credit bureau agency.
*They only made one inquiry *Refused to investigate further. I suggested they contact their IT department, because if Im seeing two hard inquiries and they only see one, there is a problem somewhere. She refused, saying something like there was no problem with their system. I also pointed out this could be happening to others. She did not help.
Today, XX/XX/2022, I received a letter from Synchrony Bank stating my credit application was not approved as based on the results of the credit checks, they were unable to confirm my identity. There was no mention that I cancelled the request.
The reverse side of the letter states, Requests for a copy of your credit report should be sent to the credit reporting agency on the reverse side. If no agency is listed, a credit report was not utilized in making this decision. I have several issues : XXXX. There was no decision to be made as I cancelled the application.
XXXX. There was no credit reporting agency listed, but they admitted on the phone they had made one inquiry.
3. Im unable to obtain the free copy of my credit report as the agency name was not listed.
I just checked and my credit score has dropped by XXXX points, and the only thing noted was the increased inquiries reported. This is the first time I, ve checked it and it has been under XXXX. It is usually around XXXX or higher.
At the very least Id like to file a report with XXXX explaining this situation to any creditor concerned about my credit I will be avoiding applying for credit from Synchrony Bank, even though they back so many store cards. Im also not using any credit cards I have with them, XXXX XXXX.
.
|
| 04/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2022 I purchased a spa cover from XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX Florida. Over a span of several months I was finally able to get in touch with them in XXXX when the product had never arrived. They claimed the product even though advertised as fast shipment would now deliver in XXXX of the following year due to a shortage in foam. We demanded a refund and they claimed they refunded us on XX/XX/XXXX. We never received a refund for this item. We then reached out to synchrony through paypal in which we used to make the purchase and started a dispute. Synchrony has acted fraudulent on this matter. Over a period of several months Synchrony has claimed the shipper provided them documentation that the spa cover was delivered and that we signed. This never happened. I have tried multiple attempts and calls to Scyrony to keep fighting this matter and synchrony sent out a letter of what they claimed was proof that I requested of the delivery. The XXXX they sent me was completely blank. I have reached out on more attempts to get this documentation and they keep closing. Here is the catch... This company is being sued by Florida Attorney General for being fraudulent and stealing over XXXX from people and claiming they delivered their spa covers. Florida Attorney General started this lawsuit on XXXX of XXXX YET Synchrony STILL will not work with us on getting our money back and STILL has only sent us a blank XXXX no matter how many times I call or reach out on my dispute. They have now cut off communication with us on our dispute. We have been fighting and fighting to have XXXX $ refunded to our account for this fraudulent service and synchrony is not willing to help us. At this time " XXXX XXXX XXXX XXXX has been shut down due to their fraudulent activity. Please Please help us. We have an expensive spa without a cover and nothing can be done until we get our money back. XXXX XXXX , is the defendant being sued by XXXX XXXX of the Florida Attorney Generals office. Many Many other people have gone through the same issue as us and have made multiple attempts to reach out to which got this process started from Florida Attorney General yet none of us still don't have our refund and the company is shut down. On attachment below please ignore my message stating credit card number had changed. The account is all linked together and that doesn't matter. I wasn't thinking when sending that to customer.
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This letter is to file a grievance against PayPal Credit c/o Synchrony Bank business practices.
I had requested an increase in credit from {$250.00} to {$500.00} XX/XX/XXXX, online with PayPal Credit XXXX I was denied increase based on a report that Synchrony Bank or PayPal had sent me, XX/XX/XXXX. The report stated that XXXX scored me at XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that they do not send credit scores to anyone who requests a report. XXXX also mentioned any requests for a report, is given with current dated reports. I requested an increase XX/XX/XXXX. The denial letter was dated XX/XX/XXXX.
I am very disappointed in PayPal Credit/Synchrony Bank online business practices. I do not understand how I can be denied an increase based on your scoring of XXXX dated XX/XX/XXXX. I have been challenged with identity theft 3 times over the past decade. My most recent attack was in XXXX. I had reported identity theft with Synchrony Bank/PayPal online in XXXX of XXXX at which time I was given a new account. I thank you for securing my account. I am working hard to maintain financial obligations and on increasing my credit score I would have accepted a denial based on current scoring and/or report but I do not accept this denial from XXXX XXXX. I, just like ALL consumers expect a safe, secure and accurate information on your websiteespecially with any online account. I, as a consumer, expect to be provided with accurate and current information online. There is a lot of cyber-attacks and scammers, as well as phishing for consumers identity. With such disappointment, I am filing a grievance against PayPal Credit/ Synchrony Bank with the XXXX XXXX XXXX , Consumers Protection Agency , and Government Online Agencies . It has been, especially, challenging contacting the right department for my grievance. Your website does not accept grievances or complaints. My only resolve is to write to a po box . I do not know if what you do is legal, but I know it is an unfair business practice. I have forwarded a copy of your response letter through to the online authorities with my grievance against PayPal Credit/Synchrony Bank . As a Consumer, I am accountable for my financial obligations. PayPal Credit onlineis accountable for fair business practices to ALL consumers. I do expect a resolution to my grievance. I do expect a response with correct information as to why my increase request was denied.
|
| 04/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
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XXXX XXXX, XXXX : Purchased a riding lawn mower from Lowes XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Purchase price : {$1700.00} *****At first use, the mower was defective : Cutting blade shift lever did not work. Mower was unusable.
*****Reported problem to Lowes . Sales representative asked that I obtain repair locally. This was declined. Lowes was asked to replace the mower.
*****Reported the problem to the credit card company and asked for guidance. Card company directed me to file a formal dispute. This was done, and an adjustment was made to my account XX/XX/XXXX, for the purchase price of {$1700.00}.
*****On or about XX/XX/XXXX, Lowes delivered a replacement mower.
*****At some time during XXXX, XXXX, I noticed that the charge for the replacement mower had not re-appeared on my credit card statement.
XXXX***I went in person to Lowes and reported to an assistant manager that the replacement mower had not been charged to my credit card account.
*****The assistant manager was grateful for my honesty in reporting this fact, and agreed to give me a discounted price of {$1300.00}. I called the credit card company and authorized this discounted price to be charged to my account. This was done XX/XX/XXXX.
*****However, on the prior day, XX/XX/XXXX, my credit card account was re-billed by Lowes for the original price of the mower : {$1700.00}.
*****Since that time, numerous appeals have been made to both Lowes , and the card company to correct this problem. Phone calls and memos have been sent to the assistant manager and manager of Lowes, as well as to Lowes Customer Relations Department in XXXX, NC. Calls have not been returned, and written memos have not been responded to as of this date.
*****Numerous pieces of correspondence have been sent, as well as phone calls made to the Dispute Resolution section of the credit card company, Synchrony Master Card, XXXX XXXX FL XXXX The last appeal to the card company was dated XX/XX/XXXX. That appeal has apparently been ignored.
*****I have never denied that payment is due for the mower - -either {$1700.00}, or XXXX. I will not, however, be responsible for making both payments. As it is now, I am being held accountable for both charges.
*****I can not be sure who should clear up this problem, the credit card company or Lowes ; but I think it should be the credit card company. All I know right now is that my requests for help have been ignored by both.
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| 08/30/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I received a voicemail yesterday, XX/XX/XXXX, from the phone number XXXX. The gentleman said his name was XXXX XXXX from XXXX XXXX and XXXX, and that they were preparing a preliminary Civil Claim with my name and information attached to it. And if I did not contact them immediately that they would be filing a Civil Suite , on behalf of their " clients '', and that they would give me the opportunity to give a statement.
I immediately contacted them and I was sent to a pre-recorded message. I left a message and asked what the claim was, who the claimant was, and that if they could email me the information so I could share it with my attorney so we could respond accordingly. About 15 minutes later I received a call from another individual, who went through a very odd verification process to validate I was who I was. After that, she continued to threaten me with a pending lawsuit. I stopped her and asked who was the claimant. She went on to explain that she works with a " mediation '' group that helps solves collections for their clients. I then asked who her client was, and she said that she could n't tell me, but that it was an old debt from XXXX XXXX XXXX. The only XXXX card I ever had ( beside my current one ) was for a business that I was involved with years ago, and since has closed. At one point, that company did have a XXXX XXXX card, so I asked her if this was a corporate account. She said yes, but I personally guaranteed it, something I NEVER did. As I started to ask more questions about the account, when this account was active, etc., she became irate with me and said do you want to take care of this or not.
I explained that I do not recall this account, and that if there was an issue years ago, XXXX never got a hold of me. She started to spout of some laws that since this was a commercial account, and that I guaranteed it, and that the original creditor could not " get a hold of me '', that the Statute of Limitations started the second she spoke with me on the phone. She also claims the last payment was early in XXXX. I asked if she knew the laws in XXXX about Statute of Limitation and she began to raise her voice and threaten me. I then told her she needs to send me all related documentation so I can forward to my attorney who would be in contact with her. She said she could not do that, but will send me a settlement letter, and then abruptly hung-up.
Original voicemail is attached.
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| 10/28/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I purchased a mattress from XXXX XXXX on XXXX/XXXX/XXXX and chose to pay the mattress with their interest-free financing promotion given that the balance of {$5000.00} was paid in 36 months through GE Capital, which is now Synchrony Bank. I needed to set up my monthly payments online, and at the time, the only option I had was to pay the minimum payment each month. On GE Capital 's website, I could n't set a custom amount for the monthly auto-payment, as I wanted to ensure that I pay my balance completely before the 36 months.
Every month, GE/Synchrony sends an email to my inbox with a summary of my statement, which contains only three pieces of information : due date, balance, and minimum payment due. The email does not display at all when the interest-free promotion will end. To further exacerbate the problem, the monthly emails from Synchrony went to the " clutter '' folder in my inbox and did n't get my attention until it was too late.
When I finally had the chance to log into my account on Synchrony 's website on XXXX/XXXX/XXXX, I was shocked to see that I now have a balance of {$5800.00}. I learned that the promotional date ( XXXX/XXXX/XXXX ) was passed without any prior warning. I was able to see the promotional end date only after logging in to my account on Synchrony 's website. I pulled up my original purchase document and saw a statement saying " If the promotional purchase balance is not paid in full by the end of this Promotional Period, interest will be imposed from the date of purchase at the APR of 29.99 % ''. It became apparent to me that the minimum monthly payments I could set up three years ago did n't adequate cover the full purchase price. Still shocked at the revelation, I checked my statements from earlier this year and saw that the monthly payment to Synchrony kept decreasing every month and is no longer the amount that I first set up with.
The significant problem with this loan structure is that all of the accumulated interest is put on the consumer all at once after a certain date has passed. What 's worse is that for people like myself who did n't recognize the huge balance increase right away, the auto-payment is still in place and is draining away my bank account every month. I feel that Synchrony set up the structure of the installment loan to not fully inform customers up front in order to profit as much as possible from consumers, which does n't feel right.
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| 03/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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In XXXX XXXX, during a review of my PayPal account information, I identified multiple transactions I did not make, nor did I receive any product ( s ) or service ( s ) relating to any of these transactions. I immediately disputed these charges by submitting an online dispute. In my XXXX attempt, I chose to identify these transactions as fraudulent. On XXXX I contacted Customer Service. To my surprise, I was told by the agent that my account address had recently been changed, my email address was changed, and my phone number had been changed as well. As I did not initiate any of these changes, I requested and was advised my account would be blocked/ restricted. This is Identity Theft! Regarding my first Case # XXXX dispute, when PayPal closed the dispute, they determined that certain transactions werent unauthorized and hence couldnt be covered by XXXX XXXX XXXX. I contacted and was advised by Customer Service I would be better served if I changed the reason for the dispute ( XXXX ) to I did not receive any product or service ( XXXX ). ( True statement. ) The XXXX system would not allow me to include the rejected transactions in my Case Dispute # XXXX, so I decided to dispute these in a different manner. Dispute # XXXX then consisted of XXXX items. from XXXX XXXX. Upon completion of the investigation, the dispute was found in my favor, thus the funds were refunded. The other transactions being those deemed to be ineligible by PayPal. In a dispute letter I submitted to PayPal / SYNCB on XX/XX/XXXX, I rejected their " ineligible '' premise and utilized my rights under the Fair Credit Reporting Act sec 609 ( e ) to help me better understand the details surrounding these questionable changes/ transactions. I requested all transaction records as I hope this new information would help determine the identity of the person or persons that actually DID make the transactions and was, in fact, the benefactor of those products/ services. I have continued to make monthly payments for the charges I actually made and accept full responsibility for those. That ends today as I have paid off them off. The balance remaining for the unauthorized purchases remains at {$830.00}, which has officially been disputed. To date, XX/XX/XXXX, I have not received any correspondence or notice from XXXX XXXX XXXX! Consequently, I have submitted a XXXX letter for a status update. I am also submitting this information to your group.
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| 12/08/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 07/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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On XX/XX/2019 I was financing XXXX XXXX with an advertised 0 % rate financing with Carecredit. I was not aware that I was opening a credit card, I believe that I was enrolling in a 0 % interest payment plan as it was advertised and as the paperwork seemed to convey.
Less than a year later, suddenly with only about {$700.00} remaining on my loan, I was charged {$700.00} in interest.
I called Carecredit after I XXXX my issue, and saw that this is not the first time CareCredit ran this scam. In fact, CFPB fined the company FOR THE EXACT SAME PRACTICE previously.
How can they still be in business to rip off more consumers? Clearly the previous fines and refunds weren't enough to deter this behavior.
Further, upon further reading their own document outlines the promotional 0 % rates are for 6,12, 18, or 24 months. However my rate was revoked after 8 months, an act done on their behalf because my payments would have had a zero balance at the time of the rate expiration.
From the document : " This notice is to let you know about some promotional financing plans that may be available for you when you use your card for future purchases. This is only a summary of key terms. At times, we may offer you other promotional financing plans for certain purchases. Details of available promotions will be provided to you at the time of your transactions. Not all plans or all plan periods will be available at every retailer. For purposes of this notification, your Purchase Annual Percentage Rate ( " APR '' ) is 26.99 %. See the Interest Charge Calculation section of this billing statement to determine if this APR is variable. If a ( v ) is shown next to your APR, this APR will vary with the market based on the prime rate. Subject to credit approval. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchase.
No Interest if Paid Within Promotional Period ( These can be advertised as Deferred Interest promotions ) Under this promotion, no Interest Charges will be assessed if the promotional purchase balance is paid in full within the promotional period. If the promotional purchase balance is not paid in full by the end of the promotional period, interest will be imposed from the date of purchase at the Purchase APR stated above. Minimum or fixed monthly payments are required. This promotion may be offered for periods of 6, 12, 18, or 24 months.
Please keep ''
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| 01/02/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This Collection agency XXXX XXXX XXXX XXXX has failed to provide proper verification of the account they brought from Walmart/ Synchrony Bank/Walmart. This company has not and could not provide information like documents bearing my signature that I owe ( {$540.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX XXXX XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company XXXX XXXX XXXX XXXX matter the original creditor have the same account number as the collection agency. Synchrony and XXXX XXXX XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX, and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
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| 04/03/2015 |
Yes |
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Web |
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My complaint is against GE Capital Care Credit. I received a loan through them for XXXX XXXX XXXX in XXXX of XXXX. The office finance person of XXXX 's XXXX XXXX offered this line of credit so that I could have the procedure done. Nothing was really explained at that time so I signed the document and was ready to go with the {$3000.00} credit and a promotional period of 3 years. I had also used it to pay for a XXXX for my daughter in XXXX of XXXX for {$300.00} in which I was told over the phone the promotional period would be 2 years. I turns out that the second loan promo period was only for 1 year. I do all of my transactions online and have never looked at any of the statements they have sent me until they charged me the XXXX very large interest charge of {$940.00}. The online version does not really keep a history of payments like it says it does and I was sure I had covered the XXXX loan by this time ( XXXX/XXXX/XXXX where as I had already paid them {$3.00} on XXXX/XXXX/XXXX ). Over the phone they had told me that I owed a large amount of late fees that totaled up to by {$47000.00}. These interest charges never shows up on the online version ... EVER! I then asked them to send me all of my statements. They did and when I received them I found that if I am a day late or the payment date they charged me anywhere from {$25.00} to {$37.00}. I was told by the person at XXXX 's XXXX XXXX that they had a 10 day grace period which obviously they do not. I also saw that they had been charging some type or interest charges of different amounts from time to time. They also charged some other fees and I have no clue what they are or why they charged the interest or the other fees. I did some research and found that your organization file a class action law suit on them. I read it and also found that I met all of the criteria for this suit but was never notified about it. They started calling me non-stop until they turned it over to another company that called non-stop after I told them to not call me. Now there is someone calling my phone threatening to issue a subpoena for me to be in court. This person has never shown up and I 'm not sure where I stand in all of this. On top of all this, they ran another credit report, that I did not authorized, on me in an attempt to lower the line of credit available, not that I will ever use this again. Please help me, I have already paid these people {$350000.00}.
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| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 03/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 03/05/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
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Web |
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Since XXXX of 2021 XXXX XXXX has stolen the identity of XXXX XXXX changing email address and changing information on her credit report using the social security number without consent and continues to do so as of XXXX XXXX. Ive filed several police reports.
XXXX XXXX opened a XXXX card in the name for XXXX XXXX. And charged items in the amount of XXXX in charges. Several charges on Lowes account amounting to XXXX Credit card came to my address with his name on it.
XXXX XXXX changed my address at the post office system and had my mail routed to his address XXXX XXXX XXXX XXXX XXXX WI XXXX I have a email from the Postal inspector of XXXX stating the issue of the fraudulent address and a phone transcript. He stolen my XXXX account. Hes changed my XXXX so much that Im completely locked out of that account all together. Proof of that. XX/XX/XXXX XXXX he ordered my drivers license with the stolen credit card he open from XXXX card.
XX/XX/XXXX {$71.00} at XXXX XX/XX/XXXX XXXX at XXXX he tried ordering food from XXXX with my XXXX XXXX The list goes on with several different attempts to open accounts.
XXXX XXXX tries to log in for my XXXX mail account XX/XX/XXXX XXXX attempts. XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempt and XX/XX/XXXX XXXX attempts. Changed XXXX password change XXXX XXXX my XXXX account as well. I have several email stating someone on Wisconsin computer trying to get into my accounts.
Recent activity was on XX/XX/XXXX changed my phone number on my credit report XXXX to phone number XXXX and XXXX to XXXX. Old email address is XXXX. XXXX XXXX is making several attempts to hack my emails account as well. He does it at night when Im sleep and notifications wake me all through the night.
Friday XX/XX/XXXX tried logging in to get my Tax information 5 attempts.
On XX/XX/XXXX he called Lowes again according to records trying to get access to my Lowes account again.
XXXX XXXX XXXX A.M. hes attempting to get into a Venmo account. This has been going on since XXXX of 2021. There is more attempts that are not listed here.
XX/XX/XXXX, XXXX XXXX calls to tell me that he has tried to open a Walmart XXXX XXXX card in my name but shut it down.
XXXX XXXX is resilient and will not stop. This has really become a burden and Ive not been able to function because of this situation. Ive been sick with anxiety ever since this has been happening. Included in this lawsuit is for emotional distress.
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| 09/04/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX ACCT NUMBER XXXX XX/XX/XXXX I am in receipt of your letter dated XX/XX/XXXX, where you state that you are reporting the validity of this account and you are absolutely WRONG!
I have attempted on several occasions to get this matter taken care of and you refuse to provide me what I have been asking since XX/XX/XXXX and that is COPIES OF ALL SIGNED DELIVERY RECEIPTS FROM XX/XX/XXXX XX/XX/XXXX where there was acceptance of ALL furniture that was delivered and accepted. I have also requested the receipt from the Delivery Company that was contracted through Ashley Furniture @ XXXX XXXX XXXX XXXX XXXX, CA XXXX, where the items were refused for delivery that I previously listed in dated correspondence on XX/XX/XXXX and XX/XX/XXXX and not a fraudulent signature on Delivery Receipt dated XX/XX/XXXX.
Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about the following item on my credit report. I wish to see ALL the original sources of the information reported including, but not limited to, the original delivery receipt with my signature of refusal from the delivery company that was contracted. If you cant provide me with this information, that I have requested on several occasions, you need to remove the account immediately as neither your agency nor XXXX XXXX XXXX can verify that they are reporting accurately.
Once these items are removed, you need to immediately delete the account from the credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) that you have reported INACCURATE information to.
My sole purpose is to get this item removed from my credit report files. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
If your company does not receive the signed delivery receipts, and refusal delivery signed on delivery receipt, you should delete all information regarding the account from my credit files within 15 business days from the receipt of this letter, as mentioned in this agreement.
Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agencys authorized signatory.
If I do not receive an approval letter within 15 days of your receipt of this letter, I will assume this matter is resolved.
XXXX
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| 10/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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On XX/XX/2018 Care Credit charged my XXXX XXXX account {$1000.00} to pay off the entire balance of my account which they were not authorized to do. A payment of {$51.00} was not even due until XX/XX/2018. When I saw they had charged my account for the entire balance I called them. They told me, " I'm sorry that was a mistake ''. So I asked them to reverse the charge because my rent was due on the XX/XX/XXXX and I needed that money to pay my rent. They told me the fastest way to get my money back was to call my bank. I called XXXX XXXX and told them what happened and they reversed the charges. I then called Care Credit back and told them I got my money back and that I was going to make the payment of {$51.00} that was due. I made the payment of {$51.00} but my bank rejected the payment to protect me from them taking anymore of my money without authorization. When I found out the next day my bank had rejected the payment I called them and told them to let the payments go through. By that time Care Credit had closed my account. I asked them to please re-open my account because they were the ones who took my money unauthorized in the first place. They told me the only way they could re-open my account was that I would have to make two payments a day apart so they could see if they would go through and then they would re-open it. So I made {$150.00} payment on XX/XX/2018 to show good faith, and she told me I could make a {$20.00} payment the next day. I showed good faith again and made a {$50.00} payment on XX/XX/2018. Then I called Care Credit back and pleaded with them to re-open my account because this would ruin my excellent credit by closing my account. I have a {$7500.00} credit limit with them and I've never been late one time making any payments with anyone and that's why I have excellent credit.
In closing, I have attached all the documents to support my complaint. Care Credit closed my account illegally, they took money from my bank account illegally and paid off my balance which was not even due, illegally. Then, just because my bank rejected a payment by mistake they closed my excellent good standing account and told me they could not re-open it. So I'm pleading with you to make me whole again by having them re-open my account. I am stressed out and depressed about my account being closed. I have family members who are authorized users on this account as well.
Respectfully, XXXX XXXX
|
| 07/12/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I filed a previous complaint on this XXXX XXXXSynchrony Financial. I have 2 cards with them. Now I am having problems with the 2nd card-Care Credit/XXXXXXXX XXXX. This company decreased my limits for NO REASON AT ALL. NOTHING HAD CHANGED AT THE TIME THEY DID THIS FROM THE CONDITIONS or CRITERIA THAT THEY ALLOWED ME THE CARD INITIALLY. ACCEPT MAYBE I DON'T USE IT ENOUGHT FOR THEM. I FEEL THAT THEIR INTENTIONS WERE TO DO THIS, AFTER GETTING ME LOCKED INTO THE CARD and or in retaliation from my last complaint and deny me THE LIMITS I HAD when I contacted them yesterday Wed XX/XX/XXXX at XXXXXXXX XXXX-the phone rep. I HOPE SHE DID NOT RUN MY CREDIT BECAUSE I DID NOT GIVE HER PERMISSION!! IT WENT FROM A LIMIT OF XXXX TO XXXX. NO REASON I'VE USED THE CARD ONLY 2X SINCE TAKING OUT IN XXXX BECAUSE NEEDED SOME EMERGENCY DENTAL WORK and it also offered an opportunity to begin to re-build my credit NOT HURT IT LIKE THIS ACTION IS DOING. I wanted to begin to rebuild my credit after coming out of a bankruptcy as a result of an injury and I am currently on Social Security XXXX. I feel this company took advantage of me. I have NEVER been late on my payments and have a 100 % payment rating on my credit report. THE REP TOLD ME MY CREDIT WAS REDUCED BECAUSE XXXX CALLED THEM AND TOLD THEM TO DO SO?? I HAVE NEVER HEAR OF THIS. I ASK FOR INFORMATION FROM WHEN THEY INITIALLY APPROVED THE CARD AND WHEN THEY MADE THIS DECISION to reduce my limits. THEY WOULD NOT OR COULD NOT PROVIDE IT. IF THEY DID THIS TO ME THEY ARE DOING THIS TO OTHERS. I HAVE 2 CARDS WITH SYNCHRONY, THE other card DID NOT CHANGE MY LIMITS?? WHAT THIS HAS DONE IS IT HAS IMPACTED MY CREDIT AND NOW MAKES THIS ACCOUNT SHOW THAT I AM OVER EXTENDED IN IT'S USE AT 100 % WHEN IT WOULD BE 40 % HAD MY LIMITS NOT CHANGED. THIS IS ETHICALLY WRONG!. I CAN'T WAIT TO GET RID OF THESE CARDS! I DONT WANT THE INCREASE TO USE JUST TO HELP MY CREDIT!. I WILL PAY THIS CARD OFF BEFORE I USE IT AGAIN!! TELL THE PUBLIC CONSUMER ... DO NOT DO BUSINESS WITH ANY ENTITY ASSOCIATED WITH A XXXX XXXX/SYCHRONY FINANCIAL OR CARE CREDIT SYCHRONY BECAUSE THEY ARE THEIVES AND CON ARTISTS!!! THEY HAVE THIS HABIT OF COMBINING SEPERATE PURCHASES ON THEIR CARDS SO PEOPLE OR TRICKED OR MANIPULATED INTO PAYING OUTRAGES FEES AND INTEREST WHEN THESE " PROMOTIONS '' ARE NOT PAID TIMELY. YOU DON'T KNOW IF YOU ARE PAYING ON A PROMOTIONAL BALANCE OR NOT BECAUSE THEY LUMP THEM ALL TOGETHER.
|
| 11/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Either Synchrony Bank or XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And Synchrony XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX are reporting a debt of {$600.00} owed. When I sent letters to validate, called to get more information and tried to contact you to make arrangements to take care of this obligation and to have it removed from all three credit bureaus with no response, not even to validate. I have never received communication about this in writing upon request.
I would like something in writing that shares how you would be willing to delete this negative account from my three credit bureaus if paid in full.
Please send it to me via email preferably to XXXX or by mail. This negative mark on my credit report is causing my credit to decrease, and I am trying very hard to qualify for a home. Please give this matter the attention it deserves. I believe that if you are to make negative marks on my credit reports that you should also be amendable to making arrangements to address the matter and remove the damaging marks for the three credit reports.
Please get back to me as soon as you can. I am also sharing this with the Consumer Financial Protection Bureau to investigate as I believe that is your responsibility to work with the consumer and not ignore attempts to rectify the situation.
When I spoke with your representative XXXX at XXXX ( XX/XX/XXXX ) I was reaching out to try and work on negotiation the payment and removal and he shared that the account was no longer valid. Yet, it still reports on all three credit bureaus.
I spoke with XXXX on XX/XX/XXXX and he shared that the only accounts I have open at this time are the ( XXXX ) XXXX and XXXX XXXX in good standing and he only had listed no balance on both of those accounts. He mentioned a XXXX and XXXX XXXX but did not share an account number or was willing to make any arrangement for an account that did not exist. He stated that the Date for XXXX was XX/XX/XXXX. As I look at my credit report, this seems to be the obligation that is lingering and your company will not address it with me, will not validate, will not communicate on the obligation and will not return letters wanting to work together to have it settled, paid and removed.
Please contact me ASAP upon receipt of this letter. I believe that it is not within your right to ignore my attempts to try to work on solutions to this issue.
Thank you XXXX XXXX XXXX XXXX XXXX
|
| 01/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I opened a CareCredit Card from XXXX XXXX back in XX/XX/XXXX. I made a charge of {$3600.00} on the card for my XXXX XXXX in XX/XX/XXXX. When I got my first bill it showed that I was charged {$3700.00} and I didn't think much about it because when I opened the card my doctor told me how there was going to be a fee for using the card. So after that, I made automatic payment to the credit card company every month. Until at the beginning of this year on XX/XX/XXXX I looked at the bill and it stated that I still owe over {$2100.00}. So I looked over all the bills and it showed that I was being charged a Card Security Fee that I have never sign-up for, that XXXX XXXX added to my account without agreement or my knowledge of it.
On XX/XX/XXXX, I called XXXX XXXX about the Card Security that they have added to my account without my knowledge and how I wanted a refund on all the fees and interest that they have charged me without my knowledge, which at the time I thought it was {$640.00}. But when I did the math again today they have actually charged me over {$690.00}. When I called Synchrony they told me that the amount is too high and I have to call Card Security to as for the refund, and I told them that I called Card Security before them and it didn't go through because they ask for an account number which I don't have because I never opened an account with them. So the lady at XXXX XXXX decided to transfer me to Card Security.
When I got through to Card Security and the guy about my problem he told that he can't find my account and that if I want my money bank I should call the bank and he can start a file for me so they can " check out my problem '' for me and they will get back to me. I told the guy ok, and afterward, I called the Synchrony again.
When I got through to Synchrony again and told the lady about my problem, the lady tried to redirect me again back to Card Security, and that is when I got really frustrated told the lady that it is illegal for them to add a random service fee to my account without my acknowledgment. After that, the lady said she made a note to my account about my complaint and then hung up on me. Now two weeks after the call I have been charged interest for the Card Security fee again.
I am not the only one who has gone through this because I have found online forums where people discussed how they have had the same thing happen to them without their knowledge.
|
| 03/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American, Servicemember |
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On XX/XX/XXXX, while shopping on-line, I was offered {$35.00} credit on a printer that I was considering purchasing from Walmart. I could receive this credit if I agreed to apply for a Synchrony Bank credit card. I filled in the on-line application form thinking there would be an immediate approval and then be presented with a method to make the purchase. That didn't happen so I waited for a response from Synchrony or Walmart. After a few days, Synchrony called me to complete the application. When I asked about the {$35.00} credit I was assured it would appear on my Synchrony Card. On XX/XX/XXXX I received the card, activated it and went online and purchased the printer from Walmart. I Checked my account and discovered that I had not received a credit. Consequently, I called Synchrony Bank and told them I didnt have the {$35.00} credit on my account. My inquiry was forwarded for resolution. On XX/XX/XXXX I received a form letter stating that my claim was denied for one of the following reasons : 1. The transaction amount does not meet promotional requirements.
2. The transaction amount did not occur during the promotional period.
3. The type of merchandise purchased was not included in promotional offering.
I called Synchrony Bank for an explanation and was told that my claim had been denied because I had three days to make my purchase after the approval of the card. I responded that I had no Idea that there was a three-day limit and that I wasnt apprised of the three-day limit when I placed my application for the card. Furthermore, it took longer than three days for the card to arrive in the mail after approval. I was then told that I had been contacted and given a password that would allow me to make a purchase without the credit card. NO SUCH CONTACT WAS EVER MADE. My claim was then forwarded for further determination. I was advised that it would take one to two weeks for a determination. Today, XX/XX/XXXX, I received the same form letter that I had initially received denying my claim.
I applied for the card in good faith expecting to receive a {$35.00} credit on my purchase but Synchrony has decided to stipulate additional terms to our agreement after the fact and without my consent or knowledge. I am sure that this has happened to others in my situation and Synchrony Bank should be held accountable to me and others whove had the misfortune of doing business with this company.
|
| 07/10/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
Opened a Synchrony - issued secured amazon store credit card on XX/XX/XXXX. The card worked immediately for my first purchase, but then started to be declined by the issuing bank when I tried to make any additional purchases. Contacted amazon, they informed me I had to contact the issuer. I then contacted synchrony, they said it was an amazon error. Attempted this a few more times, getting bounced back and forth as both companies passed the buck, until finally deciding to cut my losses- I contacted synchrony later that day on XX/XX/XXXX and told them to close the account and refund my security funds deposit to my debit card. As shown in the screenshot attached, they attempted to claim that they were completely unable to process electronic transactions, despite having taken my deposit via debit, and could only possibly issue a paper check in 10-14 business days once the account was finalized closing. This would have allowed them to hold my assets for an inestimable period of time, while forfeiting no interest earned or written documentation of timeliness or procedure. I then called them again today, XX/XX/XXXX, and insisted on speaking to a supervisor after the first rep tried to make the same claim. I read them the specific lines of Section V. of the cardholder agreement provided and signed to open the account, also publicly accesible on the synchrony website, which gives ACH as an example of an " approved method '' of deposit returns, as well as paper check. It is also explicitly written in this section that the delivery may be stipulated by the cardholder of any such approved methods. The supervisor on XX/XX/XXXX then finally conceded the information that since the deposit is still a pending charge and was made electronically, it would be automatically returned electronically within 7-10 days. This felt like a dismissal and a callous attempt to get me off the phone, as synchrony has been unwilling to provide me any such notice in writing or otherwise documentable. They have already attempted to contradict their own expressly written terms, and are able to indefinitely profit by lending my funds elsewhere. The debit charge reversal required to satisfy this matter is absolutely a trivial function of any merchant account, and there is no excusable reason for a financial institution to be allowed to continue such predatory and exploitative practices without any accountability to consumers.
|
| 02/24/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I had ordered furniture from Ashley Homestore online in late XXXX of XXXX. That furniture was delivered on XX/XX/XXXX and charged in the amount of {$1400.00} to my Synchrony Account. Ashley then attempted to deliver the same furniture again on XX/XX/XXXX but I told them I already received all of my furniture. Then, a 2nd charge of {$1800.00} was added to my Ashley Furniture Synchrony Account on XX/XX/XXXX. When I noticed this 2nd charge on XX/XX/XXXX and I informed Synchrony that this was not a valid charge. On XX/XX/XXXX, Synchrony informed me that the dispute was resolved, however the charge remained on my account. In the documentation they provided, Ashley used pictures of the furniture that had already been delivered as justification for the 2nd charge. I then contacted the Ashley store referenced in the documentation. She was able to determine the delivery team had stated that I accepted delivery of the 2nd set of furniture even though I did not. Once she realized the error, she informed me that my account would be refunded and I should see it reflected on my account in the next 2-3 statements. After the refund never appeared, I again contacted the same person at Ashley. She told me she didn't know why the refund never went through but that it would shortly. This back and forth continued every few weeks from the XXXX of XXXX until today. I contacted Ashley on XX/XX/XXXX because the open balance was still on my account and negatively affecting my credit. She informed me that corporate was issuing a refund that day and that I would be sent a confirmation email. I again contacted Ashley a week later on XX/XX/XXXX, because I still had not received an email or a refund on my account. She said it could take 7-14 days for the refund to process and she took my email address again and told me that she would make sure I got sent the confirmation email. Synchrony then marked my account as late and began charging me interest and late fees which severely impacted my credit score. I called Synchrony to inform them again that they need to remove any late fees as well as remove and fix the negative marks on my credit score. I told them that a refund should be processing from Ashley but they did not see it on their end yet. It is now XX/XX/XXXXand the refund from Ashley should have been processed however it has not. I have attempted to contact both Ashley and Synchrony and both are hanging up on me.
|
| 09/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I would like to formally file a complaint with Synchrony Bank/Banana Republic ( BR ) for unfair and illegal predatory business practices. From XXXX XXXX to XXXX XXXX, Synchrony Bank/BR has lowered the credit limit on my BR/Visa credit card FOUR ( 4 ) times. According to letters sent by the company, the limit was lowered based on " periodic '' reviews of my TransUnion credit report. There are two issues with this : 1 ) Since I opened my Banana Republic credit card in XXXX, I have always paid my bills on time, despite an occasional late fee for being a couple days late. In those TEN years since opening my account, despite my struggles with other creditors in XXXX, I have NEVER gone beyond 30 days late with Banana Republic. 2 ) By frequently lowering my credit limit, Banana Republic created a vicious cycle in my efforts to repair my credit. Each time my credit limit was lowered, my FICO score would tumble by 30 points or more. Therefore, each time the credit was pulled during these periodic reviews, there would be little to no improvement to my score, prompting Synchrony Bank to lower it again. In fact, the last reduction occurred FOUR ( 4 ) months from the previous review. How is that fair??? Most companies review credit every 6 months or more. But what I find even more disturbing is the timing of my last credit limit reduction. In a letter dated XXXX XXXX, XXXX, Synchrony Bank/BR notified me that my credit limit had once again been lowered, this time to {$2100.00} ( note : in XXXX, the limit was increased to {$4000.00}. ). XXXX XXXX was also the statement closing date for my last bill, where I made a LARGE {$450.00} payment to the company. My goal was to begin paying down this account, so I would no longer deal with these targeted credit limit reductions. However, the company insured I would not get ahead by lowering my credit limit immediately after making that large payment. I am confident that was the case because the letter dated XXXX XXXX, XXXX notes the credit limit reduction was based on a credit review on XXXX XXXX, XXXX. That 's nearly THREE ( 3 ) months after the review!! IN ALL OF THE PREVIOUS LETTERS, THE LETTERS WERE DATED NO MORE THAN 12 DAYS AFTER THE CREDIT REVIEWS. This is not a coincidence. This is targeted, unfair and illegal business practice. I have attached documents supporting all of my claims, including a letter I wrote to the company in XXXX XXXX about this issue.
|
| 03/31/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
I wish I didn't have to file this complaint. However, I am at a loss when it comes to synchrony. I'm a victim of identity theft ; I had an individual completely take over my checking accounts during the holiday. I notified Synchrony 's customer service department on several occasions. Unfortunately, I never received the help in which I requested. I let them know that I was working on getting this resolved ASAP. Because I utilized my checking account previously to pay my SAMS CLUB/ SYNCHRONY account, all of my other financial institutions made arrangements to assist me. From my personal experience, it appears that synchrony punishes customers for being victims of identity theft. I received absolutely XXXX assistance ; I also notified several managers that I was having a hard time on the app removing my checking account that had been compromised as I could no longer use this account to fund my synchrony account. When I initially tried to remove the account, it said it was removed as a funding source, only to find out later that it was not. Identity theft, unfortunately, isn't remedied overnight. Based on Synchrony 's practices, they come off as very insensitive. I requested that my account be reopened as I found it unfair that it would be closed simply because I was a victim. I asked for help or other alternatives while waiting for my bank to investigate the account. We are a military family. We work very hard for everything that we have. I would appreciate it if Synchrony would show goodwill and reopen my account. For some reason, I also have a 30-day late which I don't understand, and I'm asking that the late payment be removed. I tried my best to be proactive and to get ahead of the situation. This did take place during the holiday. It took nearly until the beginning of XXXX for everything to be sorted out with my funding bank. The result was that I had to open a new checking account. This was for my protection. I want to think that Synchrony bank cares. I was asked to provide a letter stating that my identity being stolen was the reason my payments were returned. The issue with that, Is according to my institution. They can not free-hand letters ; they have to send out templates based on the situation. I asked if you guys would take a police report I was told no. This is entirely unfair. I aim to re-establish and maintain a great relationship with synchrony ; please help me with this.
|
| 05/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I've had a PayPal Credit account for many years. Previously you have been able to use your account settings to choose how your payments were allocated ( ie. where the money was to be put towards first on your account ). This is important for when you have made special financing purchases ( purchases such as no interest if paid off in 12 months ). If the payments are simply put toward the overall balance then the special financing purchases may not be first to receive funds, thus allowing them to go past the date for their financing and adding substantial additional interest to a consumer 's account. I often used to change this when I made payments as I would put larger purchases on my PayPal credit with financing which allowed for payment over an extended period of time ( 6,12, 24 months ). When you went to the settings on PayPal 's site not only could you select which option you wanted on your account, but there was also an explanation of what each option meant to the financial future for your account. However, that seems to have changed. Recently, I made a special financing purchase, but noticed after making my monthly payment to PayPal credit that the amount due on this purchase didn't go down. I looked to find the settings which I have described for allocating payments and found they are no longer available on PayPal 's site. Frustrated by this, I contacted their support via live chat and discussed the matter with a representative who informed me that she would be happy to " adjust your payment today ''. I told her I didn't make a payment, but rather wanted to adjust the settings on my account so that payments were put toward the special financing first going forward. She then told me that this is no longer an option. That we to make a payment and then contact PayPal to have the money allocated how we want. This is a bit ridiculous! Something such as how our money is put toward out account should be easily determined with settings that consumers can manage. We should not have to take multiple steps to make sure that payments will be allocated in the best manner for our financial needs with EVERY payment. I have an accounting degree, so I am aware of something like this and asked the right questions to find out this information. However, other consumers may not, and will likely believe that they are paying off a special financing purchase only to be charged with a pile of interest.
|
| 08/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
On XXXX XX/XX/2022, Synchrony Care Credit deceptively and maliciously cancelled my line of credit for {$20000.00}, which they had approved on XXXX XX/XX/2022. Synchrony took this predatory action in retaliation for my cancelation of a Care Credit XXXX sent to me, which I did not request from them. The cancellation of my Care Credit was discovered at the office of my medical provider, causing me irreparable delays and embarrassment, not to mention scheduling inconvenience and other damages. I contacted Synchrony Care Credit on XXXX XX/XX/2022 to resolve the issue, and lodge a complaint regarding their misleading and deceptive banking practices, described below : XXXX XX/XX/2022 : I spoke with Synchrony customer representative XXXX, who stated that I could cancel the Care Credit XXXX received in the mail, which I did not request, while my regular Care Credit account would would remain active for my medical procedure. Unfortunately, when I arrived at my provider on XXXX XX/XX/2022, the above credit card was declined as being cancelled by me, which is a false, deceptive and maliciously retaliatory practice by Synchrony. Also on this date, Synchrony falsely informed me that I must activate the Care Credit XXXX with a limit of {$12000.00} ( XXXX XXXX XXXX XXXX to retain the Synchrony financing they previously approved for use with a medical provider.
XXXX XX/XX/2022 : I spoke with Synchrony customer representative XXXX, who snickered and gloated at my loss of medical financing, and stated that by my cancelling of their XXXX ( which I did not request or want ) Synchrony had rescinded the Care Credit line of financing for {$20000.00}, which they had approved on XXXX XX/XX/2022. When I asked why Synchrony had sent me a XXXX I did not request, the Synchrony sarcasm was palpable, as XXXX stated that " select '' Care Credit members were " randomly '' selected to receive an upgrade in the form of the new XXXX with a XXXX XXXX XXXX. I stated that this was not an " upgrade '', and that the predatory pressure to maintain the unwanted XXXX or lose the financing of my medical procedure, was misleading, deceptive and malicious, and possibly illegal.
After several attempts to redress this situation, Synchrony made no effort to resolve this situation, which has placed me in difficult straits. Synchrony proved to be misleading, deceptive, malicious, and in no way acting in good faith as a bank should.
|
| 04/23/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2019, I filled out an online application for a Lowes credit card. The website directed me to call in to complete the application and provided a reference number : XXXX. When I called in I was asked for my physical address since I provided a PO Box for the application and the financial institution is required to have a physical address on file. I provided my address but emphasized that there is no mail delivery at the address and that my PO Box would need to be used for everything - the physical address is only for their records. The representative said he understood. After he ran my credit he said my application was denied and that they would be mailing me a letter with the reason.
On XX/XX/XXXX I received an email asking me to click on a link, provide my reference number, and verify some personal information to access the response. I was able to provide the information and authenticate but the page that came up was blank ( I was accessing it from my mobile device as I do not have another computer ). I found a computer I could use to access the letter and it said I was declined because the address provided did not match my credit report.
On XX/XX/XXXX, I called them back to ask if they could rerun my credit using my PO Box . Since I don't get mail at my physical address it doesn't appear on my credit report anywhere and can not be verified that way. After speaking with a supervisor I was informed that federal regulations require that they be able to verify my physical address, and that they can only do so using a credit report.
I find this to be a discriminatory practice. People living in rural areas who do not receive mail at a physical address are disproportionately affected by requiring that their physical address be available on their credit report when creditors report information using the address they mail statements and notices to. Also, a consumer has very little control over what a creditor reports to the credit bureaus, and no way besides a dispute to add or update information that the credit bureaus have on file.
In short, I don't get mail here, I can't tell the credit bureaus that I live here, my creditors don't provide my physical address to the credit bureaus, and Synchrony Bank won't validate a physical address by any means other an inquiry to the credit bureaus. I have been denied credit because I live in a rural area and don't have mail delivery at home.
|
| 03/24/2016 |
Yes |
|
|
|
Web |
|
|
I acquired {$4300.00} worth of furniture from Value City back on XXXX XXXX. I did not pay cash because I was offered a no interest promotion for the next 24 months until I pay all the balance off. Contrary to my understanding the promotion was with a third party and with a credit card with a 29 % interest from Synchrony Bank, which I got to know just when I received my first bill on XXXX XXXX.
Anticipating all the hassle that a furniture return was going to cause, and because I liked what I got, I kept it, and started making my payments with the intention of paying the balance off during the next 24 months.
Not too long after that, I agreed to set an automatic monthly payment from my bank to Synchrony bank and to receive paperless bills, so the payments were taken from my bank account every month. Everything seem to work well until a week ago, on XXXX when I noticed that my debt was still close to the amount where I started a year before. I called the bank and a representative informed me that I was supposed to pay the balance off on XXXX/XXXX/XXXX and because I did not, the interest was calculated since XXXX at 29 % and it is now : {$4100.00} I was surprised and I explained what the agreement was for 24 months but she denied it. I asked to be transferred with her supervisor and she transferred me with XXXX with ID. XXXX who told me that " she gets multiple calls like mine and she can not change anything '' she added " I can not help if you were not proactive with your account '' As my last resource I offered to pay, at that moment, all the remaining balance until XXXX/XXXX/XXXX, which based in my calculations was : {$2400.00} but she did not want to accept it. I asked her what else I could do to avoid paying almost {$2000.00} in interest, which I consider is not an honest transaction, and she did not offer any other option but to pay all what they are pretending.
I was left hopeless and afraid of the consequences, since I have an excellent credit and I do not want to put my finances in jeopardy for something I consider a dishonest practice. I could even have agreed to pay the interest that had been charge for XXXX, XXXX and XXXX XXXXplus my balance until XXXX/XXXX/XXXX but no more than that.
I found your web page and what you do, over the internet, and I regained some confidence. I hope you can help me to arrive to an honest agreement with Synchrony Bank.
Sincerely ; XXXX XXXX.
|
| 07/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
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This complaint is regarding a debt of which I XXXX XXXX advised the company XXXX XXXX XXXX XXXX XXXX. that I would pay a settlement or a portion of the amount owed by my son XXXX XXXX. My son XXXX XXXX gave XXXX permissin to speak with me regarding his account. Arrangements were made on XXXX/XXXX/2015 after receiving notification from local law offices that a judgement had been filed against my son however, we never received notification via mail of the judgement from XXXX In order to to settle the debt which the original amount owed was {$2600.00} however, the settlement I agreed upon was made for total of {$1800.00} a difference of {$800.00} taken off the original balance. The agreement made included giving XXXX permission to debit my checking account beginning XXXX/XXXX/2015 in bi weekly in the amount of XXXX to conclude when the total balance of {$1800.00} was paid off. I requested documentation of the settlement agreement with the current settlement balance owed on several occasions XXXX/XXXX/2015 and again on XXXX/XXXX/2015 speaking to several representatives who all told me they would not provide me with a letter outlining the agreement. XXXX representative told me on XXXX/XXXX/2015 that XXXX " did not put the current settlement balance on documentation just in case a consumer defaulted on the payment agreement then they could go back and recoup the original amount so they just left the original balance on all documentation. " I requested this documentation be placed in writing based on the companies past track record of unethical businesses practices under the FDCPA including continued collection on debt paid or not owed. Again after spending two hours on the phone I was not able to get the agreement in writing. I called the FTC regarding the issue and thus filed a complaint. I put the company on notice that I was filing a complaint with CFPB and I would be placing this in writing via certified mail that due to their refusal to give me something in writing of the settlement agreement and current balance owed that they were to cease debiting my checking account. I advised that once I received the written notice of the agreement that I would resume payments as agreed. XXXX XXXX should have been notified of any or all legal actions by XXXX prior to this company filing judgement thus, giving him an opportunity to clear up the debt however, proper notification was not made to him.
|
| 06/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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Around XXXX XX/XX/XXXX time frame, i was issued two store credit cards at Rooms to Go and Value City Furniture stores through Synchrony Bank . I received mail notification dated XX/XX/XXXX that the bank was closing both of the accounts listed. The reason given was based off my credit report/ score.1 ) Too many Revolving Accounts ( i have no new credit, the same account on my files was there in XXXX when they approved my accounts ), Not enough balance paid off ( My Value City Card {$2000.00} plus balance was paid in full within 12 months on a 36 months finance, there hasn't been any new charges since the initial purchase in XX/XX/XXXX ). To many bank cards with high balance ( I've had the same credit cards now that i had in XXXX when i was approved for the cards in the complaint ), Too many delinquent accounts ( some of the collections on my account is not mines and the credit card accounts with a discrepancy accounts showing closed have been on my credit report since XXXX when these a cards was approved ). Since I've had these cards I have never been late or delinquent on a payment, I have paid my account at least 15 days early each month unless i had paid the account in full in-which Value City has a XXXX balance.Based on my conversation with their customer service rep is the evaluate customers every 90 days, if so why did they elect to close my account now when the country has been going through a pandemic over the pass three month although the world is going through this time, i have still manage to make on time payments and my credit score is better now than it was when Synchrony Bank done their previous evaluations. I feel that this adverse action was taken out of retaliation based on a dispute i submitted in XX/XX/XXXX of a purchase i made in XX/XX/XXXX where Value City Furniture ordered and delivered me the wrong items and when they refuse to make the corrections I contacted Synchrony Bank where they conducted an investigation and on XX/XX/XXXX issued me a letter crediting my account for the mistake that Value City made on my account. After the credit adjustments was made I received two letters dated XX/XX/XXXX stating both of these accounts was being closed by the bank. Most credit companies if they felt a credit risk and you have been at good standing with that institution a length of time they will lower credit limit verse act in a way to help destroy a customer credit..
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| 03/29/2017 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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On XXXX I booked a hotel stay through XXXX with my Synchrony Gap credit card for a XXXX trip scheduled XXXX in the amount of {$650.00}. My husband called and confirmed the trip with the hotel and the confirmation number that was given to us was not only bogus but it was not even the correct amount of Characters. We then did research on the XXXX Company and there was complaint after complaint of the website and company being a scam. We then did further research and found out the Hotel had been closed since XXXX and would not reopen until early to mid-XXXX. Our trip was scheduled for XXXX thus it was clear we had been scammed. I then contacted Synchrony band Gap credit card and filed a dispute before the trip took place in addition to faxed them the evidence of the Freud/scam that had taken place so they could confirm the scam and received a credit back to my credit card on XXXX. Weeks later they took the money back out of our credit card account and sent me MY evidence that I had faxed them and they stated they did an investigation and this was the evidence they found and said that we would still be responsible for the {$650.00}. The evidence had my hand writing on it, so clearly they did not " find '' this evidence in their " investigation ''. I then called Synchrony Bank Gap credit card again and would get all the way to the dispute department at which point we would verify our account and then be told " the system is having issues '' then put on hold, only to be hung up on minutes later. This happened a total of FOUR times and has totaled the amount of 2.5 Hours of phone duration time. On my fourth time I asked the beginning customer service specialist to see what she thinks of the notes before transferring and she had her supervisor assist her and they found that the bank had already been reimbursed by XXXX charges and did not understand why Synchrony was trying to charge us again. Once she transferred me to disputes department I was then put on hold and hung up on AGAIN. I need assistance with Consumer protection. I understand we were victims of a scam but the bank is refusing to help us with this consumer Freud issue. I looked up this bank and there were XXXX complaints with the better business bureau with similar situations. We pay our accounts in full and on time EVERY month. I do not understand why they are choosing to treat good customers in a dishonest and illegal manner.
|
| 05/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American |
|
A few years ago, I co-signed on a credit application with my daughter because her credit was terrible & she badly needed new tires. She has XXXX young children & needs her car to be in safe driving order.
In approx. XX/XX/XXXX, XXXX XXXX / XXXX CAR CARE began reporting a credit card account with it to the 3 credit bureaus as having a late payment status in the amount of {$20.00}. Prior to that, in approx. XX/XX/XXXX, my daughter called the phone # on the credit card issued by Synchrony/XXXX & asked for the pay-off balance due. She gave the customer service rep her checking acct routing & account # with her bank & paid the pay-off amount in full over the phone during that conversation.
My husband died last year, my mother has profound XXXX XXXX, & during the period in question I was not checking my credit score because I was involved with other more urgent personal issues & my credit score was not an issue with me.
Eventually, I discovered that my score had gone down significantly. The only negative entry is from Synchrony/XXXX. My daughter called again & complained, two different times, but apparently they did not relent or admit that this is their error. If they did agree that they were in the wrong, they continue to report a late payment on my credit report. It grows at $ XXXX/month so has gone from {$20.00} to {$30.00}.
We do not want to pay the {$30.00} that has since developed from the original {$20.00}, because this amounts to highway robbery! The company ought to have known the full pay-off amount when my daughter requested & paid it, there should not have been any straggler amount for the loan period or whatever their excuse is. I assume millions or hundreds of thousands of borrowers get trapped in the same inexcusable scenario. If we did pay it off, then the credit bureaus would take that as an admission that we were in the wrong & did indeed pay late, which is also unacceptable.
I also do not understand why the 3 credit bureaus take a {$20.00} allegation & inflate it & treat it as though it were equivalent to an allegation that I had not paid {$20000.00} on time.
I finally found time recently to dispute this matter with all 3 credit bureaus. I happened to learn recently that CFPB also handles this kind of issue, possibly more promptly & effectively. ( I LOVE CFPB and XXXX XXXX for pushing to get it started. ) So, please advise whether you can assist me!! Thank you!
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| 09/19/2015 |
Yes |
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Web |
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I opened a Lowe 's credit card underwritten by Synchrony Bank/GE Capital. I set up an online account for the card and opted to receive paperless statements, notifications, etc.
A few months ago, when I went to log on to my account the day before my payment was due so that I could make a payment, it seems my password, as I remembered it, was incorrect. I requested to reset my password, and was told by their server that a password reset email would be sent to me shortly. After an hour I had not received it, so I requested another one which, again, I did n't receive. For the XXXX time, I again requested and did not receive the email. As a result, I was unable to make a timely payment and was charged a late payment fee, which I believe was the point of the obstruction to me resetting my password.
I was so upset about it that I refrained from using my Lowe 's card for a few months, even when shopping at Lowe 's.
Then, a few weeks ago, I made a large purchase at Lowe 's and used my Lowe 's card. When Synchrony 's system notified me by email that my payment would soon be due, I logged on to the Lowe 's Card Site to make a payment ( somehow my password worked this time ). Since I no longer had enough funds in the bank account I had previously used to make electronic payments to the card, I added a different bank account for that purpose. The System told me I had done so successfully, so I attempted to make a payment with the newly-added account. I was also told that the payment was successful, though I never received a confirmation email ( and have never received XXXX from Synchrony for making a payment ).
Then, today -- a week later -- I get a call from Synchrony 's collections department saying that my account is past due and asking if I would like to make a payment. I tell them I already made a payment online, and they say it was never received. I say that I heartily disagree, and ask if they intend to charge me yet another late fee, and they say the late fee ca n't be waived, because they waived XXXX late fee for me before ( when I first opened the account ) and can only waive one a year.
These incidences speak of a pattern of Synchrony obstructing it 's credit card customers from making online payments in order to collect late fees, which are a major source of revenue for CC companies. From what I 've read in online forums, they have done this to many others besides myself.
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| 05/03/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/XXXX I was charged {$71.00} by XXXX and on XX/XX/XXXX I was also charged {$34.00} by the same company. I set it up where this is charged automatically to my Paypal Credit account each year for renewal purposes. With Paypal Credit, individual charges over {$100.00} qualify for a 6-month interest fee special financing program which I have done for years with Paypal on those kinds of purchases. Any amount under {$100.00} do not qualify for that and must be paid before the next billing cycle, or incur high interest charges. I make my payments online and Paypal does not give the option to specify which debt you want to pay towards/off. The site automatically determines that based on which one will be due the soonest. With that being said, since those 2 charges totaling {$100.00} are due before the next billing cycle which is XX/XX/XXXX ( told by one of their representatives when I called about this on XX/XX/XXXX ), I paid the total amount on XX/XX/XXXX. When I checked the account to make sure it was applied to those 2 charges, I saw that it was instead applied to one of the " special financing '' charges that isn't expired until XX/XX/XXXX. When I called and spoke to a representative, she even agreed that they would normally apply to what is due the soonest which would have been the 2 charges that were under the {$100.00}. She also stated that in order to specify where it should have been applied, I would have had to call Paypal to make the payment. She then advised she would send the case to their " Reallocation Team '' as she was not authorized t do so and that I would hear from them by XX/XX/XXXX. With the new billing cycle being XX/XX/XXXX, I am in no way confident that they will make any attempts to resolve as we all know interest is the way these companies make money and as far as I am concerned, that is the reason they didn't apply my payment as they were supposed to. I find these practices to be very unethical, especially during these times of inflation and financial hardships in the country. Even if nothing comes out of this complaint for me, I definitely want it public so consumers are aware of their practices before using them for purchases. I've attached pictures of the charges, the payment made, and the special financing schedule. They applied my payment to the XXXX charge that now has a remaining balance of {$320.00} when it should reflect a charge of {$430.00}.
|
| 01/10/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
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I was not planning on reporting this- but when I saw my review online, The XXXX XXXX -XXXX- Credit Card had HUNDREDS of horror stories on the website under the 1-star reviews. So I felt obligated to report this card - because at best it is literally useless, at worst, it is fraudulent and costing consumers hundreds of dollars in fees and interest. They should be stopped.
In my case : They only gave me a {$500.00} credit limit. I make a very comfortable living on my own, and with my husband, we are, well off, making about $ XXXX per year. My credit rating is over 800. My other credit cards have either no limit or a limit of >XXXX ( on which I do not carry a balance ), yet this silly little store credit card only extended me {$500.00} of credit - even though they could see from my XXXX purchase history that I buy that much in one sitting on a regular basis! And, then I can almost never use it for any purchases after the 1st time, because the limit was reached instantly after the first purchase. I immediately set up online payments, but still kept getting denied all purchases 2 days after placing XXXX orders with this card, making all my deliveries LATE!!! Making the use of this credit card impossible before the payment was due / payment credit was recognized. It has literally taken them 30 DAYS to credit my account with direct electronic payments from my XXXX XXXX account to them.
In anticipation of future XXXX purchases, I even tried to pay the balance off IN ADVANCE and I tried over paying, the credit card company would debit my bank, show the payment and credit my balance, but NOT CREDIT MY Credit so that when I went to use it, my card would say my balance was XXXX but my available credit was still only $ a few dollars or something. So I could not buy anything that cost more than $ a few dollars!
Its a total scam.
Awful and frustrating card.
I called their customer service line and they were no help. They said after the first month it would get fixed. That it was just until my account and bank account was established??? But its still the same and now some of my XXXX gifts and subscribe and save orders that went on that XXXX Credit Card that set up as my default card were late and useless.
I also tried and requested a credit line increase and was denied.
So, buyer beware.
The link below should go to the Synchrony Bank XXXX XXXX XXXX website comments page.
https : XXXX
|
| 01/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
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I am complaining about an XXXX XXXX Mastercard In XX/XX/XXXX I was charged {$69.00} without my permission for a service I did not ask for.
I immediately contacted the credit card and informed them. They cancelled the card and sent out another with a new number, and they said that they would initiate a dispute.
Two months went by and I was not contacted at all by phone or by mail despite them having assured me that I would be, so in late XX/XX/XXXX I called them again to inquire about the progress of the dispute.
At first the representative said that they saw no evidence that a dispute had been initiated but after I insisted on speaking to a manager they found the dispute and said that no one had begun to work on it yet but that it would be initiated at that moment. They said to call back in two weeks. When I asked them for some type of confirmation number for proof that the dispute has indeed been initiated they said that they have NO confirmation number, but that I would be receiving a letter from them within ten ( 10 ) days confirming the dispute.
Today, XX/XX/XXXX I called back again to check and see what's going on because I had not yet received any letter about the dispute.
At first I was told once again by the representative that they could not see where a dispute had been initiated, so after requesting to speak to a manager they were finally able to see the dispute.
They said ( once again ) that they would be sending a letter about it's progress and that I would receive it within ten days.
They also said that I DON'T have to make payments on the disputed amount while it's under dispute, but that on the credit card 's website it might show as late payments when the due date, which is the XX/XX/XXXX of every month, passes, but that I should not worry about it because they would " take care of it ''.
Why can't they freeze the payments so that during the dispute they don't get reported as late like EVERY OTHER competent credit card company does??
Their inability to see the dispute at first every time I call makes them appear very incompetent and is to me a reason for concern, as I have IMPECABLE credit that can easily be verified.
Since they HAVE NOT sent me any letters pertaining to this dispute as they promised more than once that they would the only document that I have to upload is a " Summary Of Account Activity '' that shows as the balance the disputed amount
|
| 05/04/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
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I took out a loan with a local merchant that used Synchrony bank. It was XXXX of those 24-month promotion loans with no interest, and if you do n't pay it off within 24 months they charge you back interest at the rate of 29.99 %. I made a mistake and thought the promotion period was 24 months, so I set up my account to pay Synchrony {$300.00} per month so I would have the loan paid off in full in 21 months ( Original loan amount {$6100.00} ). The other mistake I made was setting the auto pmt of {$300.00} and not checking my statements each month because, as it turns out, the promotional period was 18 months, not 24 months. I just discovered Synchrony posted a one-time interest charge of {$3300.00} to my account in XXXX, and has been charging me {$110.00} interest per month. While I am at fault, I just can not accept the fact that ( with 3 months left to pay on the loan ) a finance company would penalize someone like they did. I realize I signed off on the terms and conditions, but you can never fully realize the extend of the penalty until it happens. My complaint, really, is that Synchrony should be able to see my intent to pay off inside of XXXX months. Particularly since I have XXXX loans with them. XXXX loans were taken out around the same time and for the same amount. The other loan does have a XXXXmonth promotional period, and I was ( also ) paying {$300.00} per month on this other loan. Also, I 've gone through my emails ( since I have my statements set to e-delivery ) and I 'm not finding any emails from them alerting me to the end of the 18-month promotion period. What they did to me seems truly egregious and inhumane, even given the fact that I signed off of the terms. I have written and called the company, but so far have gotten nowhere with them. I 've been a loyal customer with Synchrony and their predecessor GE Capital. I 've never missed a payment and feel sick about not just what happened to me, but what they must be doing to other unexpecting customers. To me, a positive outcome in this situation would be for Synchrony to recognize my error ( thinking it was a 24-month promotion ) and retroactively adjust they terms to 24 months. If this loan was 24 months as I originally thought I would have the loan paid off next month. As it stands, I still owe them {$4300.00} due to all the interest charges since XXXX ... on an original loan of {$6100.00}. Seems unbelievable.
|
| 09/21/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American, Servicemember |
|
This is a XXXX XXXX XXXX XXXX for the CFBP.
RESPONSE : XXXX Resubmitted on XXXX ( due to error on th fax of the OCC ) I had received your letter dated XXXX, Your Institution said said that now Synchrony Bank received my payment of {$3300.00} on XX/XX/2022 and applied to my accountant XXXX. You had also said that my payment was unpaid by my bank, and the payment were reversed.
I went to my Bank XXXX XXXX XXXX XXXX, here in XXXX at the XXXX XXXX XXXX location. On XXXX The office issue me the attached documents. I was told that this claim its not 100 % correct. That payment or any of the records claimed on your letter never appear on my bank records. ( this payments nor any transaction are not in my bank records. ) As I had mentioned prior, This his is the store error and mistake. This never existed and never took place the way XXXX claimed to happened.
This is exactly the reason for me to request a 100 % investigation on my account, My account has too many errors and now XXXX want me to pay for it.
I had sent a copy of {$800.00} XXXX Cash payment that was never annotated on my account.
Pl lease see the attached documents. Let me know if theres anything I can get to Synchrony Bank in order to clarify this issue. Thank you for your assistance and your cooperation on this matter.
Please noticed that I had responded to this letter on XXXX but I faxed the paper work to XXXX office to the OCC, which had my case # XXXX Today when I called to check on this issue, I was told that I need to resubmit this claim.
Please noticed.
Synchrony Bank XXXX Lowes keep saying that my payment was returned due to the bank reversed my payment. This is not correct, my bank XXXX XXXX XXXX XXXX has no records whatsoever of this transactions.
Please see tha attached paperwork. Dated XXXX I responded inmediatly but my paperwork went to the wrong offcie..
Respectfully, XXXX XXXX Attached Copy of the Fax sent to XXXX on XXXX to the OCC copy of a Synchrony Bank letter dated XXXX Account xxx-xxx # XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX ( second letter ) copy of a OCC Claim # XXXX dated XXXX copy of a {$800.00} payment believed was credited to my account d XXXX copies of XXXX XXXX statements issue by my bank on XXXX total number of pages # 22 Today date ; XXXX
|
| 09/14/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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Purchased item from Retailer on XX/XX/XXXX that was part of a " Equal Payment No Interest '' promotion period of 48 months along with an exchange program. We exercised the exchange program with the Retailer and paid difference for replacement item on XX/XX/XXXX. Item was to continue as if same original transaction and be on the " Equal Payment No Interest '' promotion period of 48 months with Store Credit Card ( Synchrony Bank ). Statement indicated a " Deferred Interest/No Interest If Paid In Full '' for 19 months for this cost difference transaction. Retailer insists it " coded '' the transaction correctly - should have gone to Store Credit Card Company as 48 month promotion. Store Credit Card Company insists it was coded as 19 month promotion when they received it.
Vi telephone on XX/XX/XXXX, Store Credit Card acknowledge that Retailer issued notice to them on XX/XX/XXXX indicating the transaction should be 48 month promotion. Store Credit Card Company also indicated that the corrected statement would not reflect change for 2 months and I would be required to pay minimum balance or be accessed a Late Fee.
I am being required to pay an additional amount for the two months while the correction catches up with the paperwork. Additionally, I will not be given the credit of this over-payment in subsequent billings - my future billings once the correction kicks in will be the original equal payment over 48 months, i.e. if my promotional transaction was 4 equal payments of {$25.00} totaling {$100.00} and I was required to pay an incorrect minimum of {$30.00} for payment 1, my remaining 3 payments would be {$25.00}, {$25.00}, and {$15.00} respectively.
The initial customer service rep understood the error and attempted to correct the minimum payment requirement, but was unable to do so due to his access rights. The subsequent Account Supervisor/Managers I spoke to were condescendingly belligerent and argumentative ( both the company and I recorded the calls ). They argued that if I did not make the " Minimum monthly payment '' I would be charged a late Fee. I purported that, due to the fact the account was in error and their acknowledgement of such, the minimum should be the transaction amount divided by the number of months per the terms. They continued to argue that the terms indicate that I was required to pay the late fee regardless of any error until the error was corrected.
|
| 11/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX XXXX XXXX via XXXX XXXX XXXX is stating that I owe a debt from XXXX and stop paying in XXXX Today I received an envelope from them. XXXX letter said I owed the debt and to call to settle the debt and the other letter stated it was a Default XXXX out of XXXX XXXX from XX/XX/XXXX. I did not move to XXXX XXXX until XXXX of XXXX and was living in XXXX XXXX at that time so how could I have a judgement in XXXX XXXX against me before I lived there? I called XXXX XXXX XXXX who stated that the debt was from XXXX and I stopped paying in XXXX and the debt was sent to them. She then went on to say that in XXXX I agreed to a settlement over the phone for {$800.00} of the over {$2000.00} but it did not go through. That never happened. She said I provided a XXXX XXXX XXXX account information which I have had sitting at XXXX for years and use another bank. Ive never provided my bank information and wouldnt provide XXXX if I was going to. Then she said I was being garnished and thats why I set up the settlement but then later said I wasnt garnished and to avoid garnishment I set up the settlement. None of that ever happened. Again, this is XXXX years after they say the debt originated. Then I was put on hold so a XXXX could listen to the conversation that was held last year and the lady came back on the phone and said it was me and how would I like to handle the account. The XXXX XXXX case number on the form is XXXX. This does not come up in public records when searched. On XX/XX/XXXX of this year I got an email from XXXX XXXX XXXX asking me how I wanted to settle the debt. If you got a judgement against me in a city I had never lived in at the time in XXXX why are you now sending me emails and XXXX XXXX letters. I believe this is harassment and borderline threatening garnishment on a XXXX XXXX XXXX account and also making up dates and arrangements to move the date of last activity date. I never received a summons to court in XXXX XXXX. Likely because its XXXX XXXX XXXX. Also, in court documents Ive seen in the past the copter does not put the case number as well as the debtors file number in the corner which makes me believe they manufactured this letter for fear tactics. I would like XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX investigated because nothing theyre saying or doing is making sense and I have never entered a settlement agreement or validated that this debt even belonged To me.
|
| 10/25/2023 |
Yes |
- Credit card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
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I spoke with XXXX representatives for XXXX ( Syncrony ) regarding my last payment XX/XX/2023. I submitted a payment through my credit card to cover the balance, because the interest was astronomical and my payments were being absorbed by interest fees. I paid the whole balance and noticed this week ( of the XXXX XXXX ) that the money wasnt received. I called today, XXXX XXXX, at XXXX pm to ensure that there werent added fees since I paid the due date. The first representative, XXXX, verified my information and after hearing my concern stated that she understood and that there was a payment made but not sure why it didnt process. She waived the late fee, but said they would nt approve her to remove the interest fee. I respectfully asked to speak to her supervisor and she said she understood and would transfer me. I did state that I felt uncomfortable and at loss why I would need to pay {$30.00} in interest when I wasnt late paying, Im still unclear why the payment wast processed and how did they even get that figure..I just didnt understand why wouldnt they remove all fees while I processed the payment again.
The next representative/manager named XXXX, XXXX # XXXX, was not helpful at all. He refused to connect me with his superior, he refused to give me a last name nor a telephone number, saying the supervisor doesnt accept calls. He kept saying he was unable to remove the interest fees due to a new policy, but offered me no tangible, certified information or anything. I told him I felt unvalued as a customer and I wanted to report this because the interest fees even before this felt immoral and like theyre taking advantage of me as a consumer and that Im trying to pay off my balance or trying again and the company is refusing to do the right thing. I then asked to have my account closed since they are taking advantage of me, not helping in any way, and dont value me as a customer. I felt really upset, unheard and powerless. I took a few screen shots, the day I paid it and one of my account that says I paid.
Pay off balance as of XXXX, 2023 : {$1100.00} Pay off XXXX : {$1100.00} Rep : XXXX, id : XXXX Rep : XXXX, XXXX ID : XXXX The supervisors name given is XXXX, XXXX ID # XXXX Refused to provide a last name, refused to give a phone or other forms of communication and but gave the below address to write and who knows when and if Id hear back.
XXXX XXXX XXXX XXXX, PA XXXX
|
| 01/19/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
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On XX/XX/XXXX, I made 2 individual orders on the XXXX XXXX with the first order amounting to {$980.00} and the second amounting to {$1000.00}. Both orders included a cell phone trade-in box. After submitting back the phones, a credit of {$400.00} each was promised with the presumption that the phones were in good condition, paid off, and factory reset. On the XXXX XXXX, it is stated that {$400.00} was credited on XX/XX/XXXX, and the other trade-in was credited at {$400.00} on XX/XX/XXXX. The first credit is shown on my SynchronyXXXX XXXX account only on XX/XX/XXXX. The second credit was not posted to my account. Additionally, I had noticed a charge amounting to {$31.00} that I did not recognize with the same order number of the previous 2 orders that I did make. On XX/XX/XXXX I reach out to the online chat with SynchronyXXXX XXXX and initiate the dispute for my missing credit and suspicious transaction. On XX/XX/XXXX I receive a letter indicating that I " have already received the {$400.00} credit on XX/XX/XXXX '' but did not include detail about the other {$400.00} that is missing. I initiated an additional dispute on XX/XX/XXXX to indicate my missing credit along with the unknown charge of {$31.00}. The customer service representative assisted my to make a dispute for the missing credit and indicated for me to call a different number to make a fraud claim for the {$31.00} ; additionally they indicated the dispute balance was not to be calculated into my minimum payment until the investigation was concluded. After making the fraud claim, they indicated it will be reviewed.
On XX/XX/XXXX I contacted the phone customer service support for additional detail and it was indicated that the investigation was concluded and the full balance was due ; additional information related to the " already credited {$400.00} '' went back and forth without consideration for the other {$400.00} that is missing. I requested yet another dispute and received an email letter on XX/XX/XXXX indicated that the dispute was open.
As of XX/XX/XXXX, the full minimum payment is due and an investigation is supposedly ongoing.
Note : My suspicion with the additional charge of {$31.00} is that this is an item within the 2nd order of {$1000.00} that shipped very late and charged an additional time once it was sent out. It is the same total cost with tax, but was already included within the original order.
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| 10/06/2016 |
Yes |
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Web |
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PayPal Smart Connect and Synchrony advertise that a payment can be 24/7 with a live agent. On XXXX XXXX and XXXX, 2016, I attempted to make a payment at the number provided on my billing statement, XXXX, which number answers as " PayPal SmartConnect '' and not Synchrony. The recorded message said they were closed at teh hour I was able to call. On XXXX XXXX I called to complain and was told I would not be charged a late fee and I made the payment due. On my next statement, I was in fact charged a late fee of {$35.00}. I was told that as an apology for charging me a late fee wrongfully, Synchrony would not only credit me {$35.00}, the same amount as teh fee, but also return all my interest for the month ( {$50.00} ). I waited for my online balance to update to make the payment due on XXXX, concerned because again a weekend and holiday would be involved. At XXXX XXXX XXXX the very kind rep had told me that I still had to pay the late fee on or before XXXX. When I explained in detail ( which she said she relayed to her supervisors ) that I was not satisfied because 1 ) Synchrony was demanding payment of a late fee that it openly acknowledges I do not owe, 2 ) Synchrony included the wrongful late fee in my balance and appears to be charging interest on it, 3 ) My credit high balance is being misreported to credit agencies because they have included the {$35.00} in my overlimit balance after their admission that I do not owe it, and 4 ) even if the {$35.00} is refunded to me my records of " Late Fees Year to Date '' and the number of times my account incurred a late fee are intentionally being reported erroneously as they include XXXX 2016 and -- the agent said Synchrony Bank WILL not correct those matters, only they will return the late fee once paid. I am asking for 1 ) correction of my records with PayPal Smart Connect and Synchrony, 2 ) correction of my high balance and late fee information on my statement and reported to any credit agency or any other person internally or externally, 3 ) damages for having to send hour on several phones calls trying to resolve this, interest on the {$35.00} I should not pay, and the cst of checking all credit bureaus to watch what they have reported and if they correct it 4 ) Clarification to ALL customers of the limited hours available to make a payment by phone with a representative and the effect of payments due on weekends and holidays..
|
| 07/03/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
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On XXXX XXXX 2015. I applied online for a walmart credit, when I did the application I mistakenly put my physical address instead of my XXXX XXXX XXXX which I can only receive mail at XXXX XXXX XXXX They said online that I should receive a letter in the mail within 10 days when I applied online. I never received letter so I decided to call The Walmart credit card status phone number at XXXX on XXXX XXXX 2015. After being transferred to the correct person, I was then told this call is being recorded and monitoring I said ok, then she asked me to verify my identity because I was checking on the status. I gave her my social my date of birth my address etc. She then verified that it was me who applied for the credit card. She then proceeded to tell me congratulations you have been approved. Then she told me to hold on the line a minute I said ok. Then a few minutes later she returned on the phone and said that there was a problem with the computer and unfortunately I have been denied and they would send me a letter in the mail explaining why. I then asked how can I be approved then put on hold and then told that im denied? She said she was sorry but im denied. I then hung up phone. On XXXX XXXX 2015 i was sent a email from my credit report monitoring service called XXXX that I now have a new hard inquiry? I said what is this?? I then called back to XXXX credit card services and asked why was my credit pulled without my consent? I called on XXXX XXXX 2015 just to check the status of my application for credit. I was never told at any point of time that my credit was being pulled at all!! When I asked why was my credit pulled they quickly said we never pulled your credit? I have proof from my credit reporting monitoring at credit karma which is TransUnion that shows that on XXXX XXXX 2015 XXXX credit card services pulled my credit and on XXXX XXXX 2015 walmart credit card services pulled my credit again. This is clearly a violation of my rights and the FCRA that was done intentionally and negligence on behalf of walmart credit card services. I feel as though when she was putting me on hold over the phone she deliberately checked my credit without my consent for fraudulent reasons. This phone call was recorded and monitored! I am meeting with a attorney next week to file a lawsuit and supeona phone conversations from both XXXX XXXX and XXXX XXXX to show my rights have been violated.
|
| 12/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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|
Web |
Older American, Servicemember |
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Synchrony Bank has selectively acted in bad faith with me. First, Synchrony Bank closes my Care Credit when I had paid the total balance to zero. I made all the payments on time. XXXX, I applied for Sam 's Club Credit card and Synchrony Bank issued me a Sam 's Club Master Card for {$2500.00}, when my credit score was the lowest due to XXXX XXXX XXXX in 2019 illegally, 3 months later they restored my payments and benefits for myself as my son as his caregiver. This was at a time when my credit score was XXXX. I don't know how to explain to them that It's not something I did or am doing. Then they give me a story that I have to many inquiries or that I didn't ' pay on time, but it's not true! Just today I get an email Synchrony saying Thank you for your dispute. But when I logged onto my account, to my shock and disbelief Synchrony once again reduced my limit from {$760.00} to {$250.00}, without any valid reasons. The thing is that my checking account 's number change to a different number due to fraud. So then XXXX XXXX servicer when I pay with my new bank account, the payments get returned even though my bank account is valid, it's just a new number, same bank. I've explained to them, but it does not matter, since their dictatorship says that I have a bad score, but don't verify with me the validity. And next month my credit score is going to be fixed because so many without my authorization keep inquiring the credit bureaus. In other words, Synchrony is acting as it's own jury and judge without due process nor notifying me if what they reviewed is true, but it's not. I do have a XXXX XXXX XXXX by Synchrony that I've had for over 20 years, but fortunately, Synchrony leaves it alone and my credit limit is {$4000.00}. So, they discriminate against me, picking and choosing what credit to approve and which XXXX Synchrony don't scrutinize. Therefore, I beg Synchrony not to hurt me this way, I'm still the same person that I was when my score was XXXX. I plead to Synchrony to be fair for my best interest not for some records that contain a great deal of misinformation. I think the length of time I have been making payments on time should suffice. Please Synchrony, I changed a bank account number only, and I'm not the one that returned the payments. It's just that XXXX has not done it's job. Please help me. Thank you, so very much and XXXX XXXX XXXX. Please make my XXXX XXXX XXXX.
|
| 09/25/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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In XX/XX/2018, I set up a monthly recurring payment on my XXXX XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. In XX/XX/2018, the {$50.00} payment was deducted from my checking account as scheduled. On XX/XX/2018, Synchrony Bank withdrew {$410.00} from my checking account instead of the {$50.00} payment that was authorized. I believe it is illegal from them to deduct payments from my checking account at any amount they please if I did not authorize that amount. I spoke with Synchrony Bank on XX/XX/2018 and they said they could not credit back the payment but they could refund {$360.00}. About 30 days later I received a letter from Synchrony Bank stating that they would not refund the {$360.00}.
In the meantime, I forgot all about the other Synchrony Bank credit card I have with XXXX. I had also set up a monthy recurring payment with them. I am trying to pay all my credit cards off and get out of debt, but they were all behind. I only set up the recurring payments for an amount that I could afford to pay and still pay my other living expenses.
In XX/XX/2018, I set up a monthly recurring payment on my XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. The 1st payment was to be deducted from my checking account via ACH on XX/XX/18. On XX/XX/18, a payment of {$260.00} was deducted from my checking account. I did not authorize this amount, only the {$50.00}.
As you can see, the practices by Synchrony Bank are way out of line. I am starting by filing a claim with you, but my next step will be to file a class action lawsuit against Synchrony Bank, as I am probably not the only one this has happened to.
I request that you contact Synchrony Bank and have them refund the overpayments they deducted from my account. In addition, any overdraft fees that are accumulating on my checking account because I did not know they were deducting the amounts they did and still have outstanding checks and/or debits to other people/companies.
In XX/XX/XXXX, the overdraft fees were {$60.00} due to their withdrawing {$410.00} instead of {$50.00}. I imagine it will be at least that amount by the time my checks clear this week since they took {$260.00} instead of {$50.00}. Right now I have at least 5 outstanding checks/debits that still may clear before I get paid again.
|
| 11/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
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Since Synchrony Bank took over PayPal Credit I have been having a problem with the amount of money they claim I have to pay every month in order to avoid interest on my next statement.
This is because they refuse to apply my payments to my standard purchases first, but instead apply my payments to my deferred interest promotional purchases first. The only way to have them apply payments to the standard purchases first is to call them EVERY MONTH after I have sent the payment. There is no way to set my account to do this nor is there a way to accomplish this online. I must call customer service and speak with someone after a lengthy wait.
For example, last month I paid the entire amount I needed to pay plus some to avoid interest charges.
During this current statement billing cycle I only purchased XXXX $ in standard purchases. My total new purchases on my account amounted to XXXX XXXX This is because XXXX of my purchases are deferred interest if paid within 6 months of purchase. I currently have no deferred interest balances due by XX/XX/XXXX.
And while I was not charged interest last month because I sent a huge payment covering all they asked for ( XXXX $ ), if I don't send {$420.00} this month I will be billed interest. Even though I only have {$170.00} in new standard purchases and no deferred interest purchase balances are due in XXXX. In essence, I should only have to send {$170.00} in XXXX to cover entirely my standard purchases to avoid interest charges.
When I called, they explained to me they do not put my payments toward my standard purchases first. They put my payments completely toward the deferred interest balances. Creating a situation where I always have large amounts of standard purchases due every month. Even though I thought I was monitoring my expenditures for the month to create a manageable payment and avoid interest.
I did not realize that Synchrony Bank is not honoring the system that PayPal used when determining amount needed to avoid interest. PayPal always put the payments toward interest bearing purchases FIRST then toward the deferred interest purchases.
Further I was under the understanding that during the Obama administration this practice was banned. It is unethical and I am having other problems with the credit cards I have now owned by Synchrony Bank. Unlike the years and years with no issues having these cards before Synchrony Bank.
|
| 10/03/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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I got a TJX mastercard while shopping at a department store, and I expected to receive a bill within the next month, but the bill never came. I started receiving some strange calls from a debt collection agency, but I ignored them because I thought that they were phising calls. I eventually picked up the phone one time and they threatened me that they would destroy my credit score, and put me in jail, and ... so much more.
I asked them what that was all about and they told me that I had not paid my credit card with TJX. I called the customer service on the back of the card to verify their story, and indeed they had sent the account to a collection agency. I told them that I never received a bill, and after several attempts and talking to several managers, they told me that they would remove the late fees, and they sent me a new bill.
I paid the credit card balance for my TJX Rewards Platinum Mastercard through my credit union back on XX/XX/2018, but I kept receiving calls from a debt collection agency with threatening messages, and tone. I called TJX to ask them what this was all about, and they told me that they had never received my payment. I told them that I would check with my credit union and get back to them. I contacted my credit union and they provided me with a copy of the check that they sent to TJX on XX/XX/XXXX, and their records show that the check Cleared ( on XX/XX/2018 ) I called the company back and gave them this information, but they kept telling me that " there is nothing that they can do till they receive my payment ''. I spoke to a manager at some point who gave me a fax number where I could fax they proof of payment from my financial institution ( fax # XXXX ). I faxed the information, and two days later I called to find out if they had received my fax, but they had not. I faxed it again, but then I received another one of those threatening phone calls. I called back to them and asked them when will these call stop? and when is my credit score be restored? ( plus remove the fine that they had added on top of the amount that they still display on my account ). They told me that the account might take two to three cycles to clear if and when they receive my fax with the proof of payment. At this point I don't know what else to do to verify that they have received my proof of payment, to stop the harassing phone calls, and to clear my credit history.
|
| 08/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered while using the Paypal XXXX XXXX, which is managed by Paypal and XXXX XXXX. As an agency dedicated to ensuring fairness and transparency in financial services, I believe my experience warrants your attention.
The problem I am facing revolves around a technical error on the Paypal credit card website that prevents me from making payments or setting up auto-pay. Whenever I attempt to perform these actions, a message appears, stating, " Sorry, there was a technical error. Please try again later. '' This persistent issue has left me with no viable method for setting up auto-payments or making manual payments, other than resorting to calling Paypal every month. Such an inconvenience goes against the very essence of efficient and user-friendly financial management.
I have diligently reached out to XXXX XXXX, Paypal, and Paypal XXXX in attempts to resolve this issue. Regrettably, each entity seems to pass the responsibility to the other, and there appears to be a lack of internal communication regarding this matter. This predicament is particularly frustrating as it contradicts the core principles of ease and accessibility that Paypal strives to provide its users. This prevents me from making informed decisions about managing my credit card bill, an essential aspect of responsible financial planning.
I find this situation utterly unacceptable, as it severely impacts the usability of the Paypal XXXX XXXX If this technical flaw persists, it undermines my confidence in using Paypal 's services altogether. The ability to manage my finances efficiently is a fundamental expectation when dealing with financial institutions, and the current circumstances fall far short of meeting that standard.
I kindly urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Paypal, XXXX XXXX, and Paypal XXXX take the necessary steps to rectify the technical error promptly. Consumers should not be burdened with the task of navigating complex communication channels to resolve issues that hinder their financial stability.
Thank you for your time and attention to this matter. I appreciate your commitment to safeguarding consumer interests and promoting fair practices within the financial sector.
Sincerely,
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I am writing to formally request the cessation of reporting a late payment on my credit report. The late payment is associated with XXXX XXXX XXXX XXXX XXXX XXXX, an account I no longer have with the company, and I believe it is necessary to address the impact it has on my credit history, especially considering the challenges faced by everyone during and after the pandemic.
To provide context, I want to emphasize that the late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain responsible financial habits. Unfortunately, the lingering presence of this late payment has had a lasting impact on my creditworthiness and financial opportunities.
Furthermore, the circumstances surrounding the pandemic have posed significant challenges for individuals across the country and around the world. The economic repercussions and financial hardships experienced by many during this period have been unprecedented. In light of these challenges, it is crucial for credit reporting agencies to exercise flexibility and understanding regarding negative entries on credit reports, especially those stemming from years ago.
Considering the aforementioned points, I kindly request your assistance in ceasing the reporting of this late payment on my credit report. I no longer have an account with the company associated with the late payment, and its continued presence on my credit report creates an unfair representation of my current financial status and efforts to rebuild.
I kindly ask that you review this matter with consideration for the hardships faced by individuals during and after the pandemic, and the impact it has had on their financial well-being. I believe it is essential to provide individuals with the opportunity to recover from such setbacks and regain financial stability without being hindered by dated negative entries on their credit reports.
I kindly request that you provide me with a written confirmation once the necessary actions have been taken to cease reporting this late payment. Your prompt attention to this matter is greatly appreciated.
Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this issue and ensuring the accuracy of my credit profile.
Thank you for your understanding and consideration.
|
| 05/30/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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Payment of {$48.00} due XX/XX/XXXX XXXX XXXX Attempted to pay, while out of town assisting XXXX person whose spouse was in the hospital & had to stay until TuesdayXXXX XXXX XXXX XXXX, due to the hospitalized spouse 's delayed release. Called the Synchrony Bank number to attempt payment on the due date ( Monday, XX/XX/XXXX ), but system required bank routing & account numbers, which I did not have because I did not bring my checkbook on the trip. I called the payment in on Tuesday, XX/XX/XXXX around noon ( thus meaning it was approximately 18 hours late, at most. I called Synchrony Bank to request a waiver of the fee, and was told because I had already had a waiver within the last 12 months, the late fee could not be waived. I followed this up with a letter dated XX/XX/ to Synchrony Bank ( XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX ). My dispute is/ was not about paying a reasonable late fee, but the amount of {$41.00} ( which equates to slightly more than 85 %!!! of the {$48.00} monthly installment. In the letter, I cited the ludicrousness of the amount of the late fee in relation to the monthly installment, told them if they did not adjust the late fee to a reasonable amount ( 5 %, {$5.00}, or? ), I would never do business with Rooms to Go again, or any other retailer associated with Synchrony Bank, and if they did not satisfactorily adjust the late fee, I would file a complaint ( with CFPB ). I received a letter dated XXXX XXXX XXXX ( from the bank 's Customer Service Department ) citing my account history & in the interest of good customer relations, that they were crediting my account for the {$41.00}. However, their XXXX UT based collection " arm, affiliate '' or whatever, has been calling me daily in the range of XXXX to XXXXXXXX XXXX I returned the call today and cited the 5-17 bank letter. The representative stated that because I didn't pay the {$89.00} total by XX/XX/XXXX ( I paid the regular {$48.00} ), that the {$41.00} amount remains, and is due by XX/XX/XXXX. Essentially, this makes ZERO sense, because their system is strictly geared to dates and algorithms, thus creating a self-perpetuating, and now erroneous late fee of {$41.00}. PLEASE RECOGNIZE AND / OR EXPLAIN THIS TO THE APPROPRIATE PARTY / DEPARTMENT ( S ) WITHIN SYNCHRONY BANK. I will be paying JUST the regular {$48.00} payment on or before XXXX XXXX XXXX and ensuing payments by the XXXX of each month.
|
| 08/01/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I'm writing in respond to case number XXXX. I did not understand why my case was closed without Synchrony card conducting any investigation other than receiving a contract signed. I never received a call or letter asking me for any documents or proofs in order for Synchrony to take a final decision against my favor.
Synchrony never provided me any proof of service delivered other than a contract signed and a letter from XXXX.
XXXX XXXX Merchant ) sent a letter to Synchrony letter attached saying that they delivered architectural plans, please I requested from Synchrony to provide me those formal documents since XXXX has not send any documents to me. Architectural plans needs to be certified by a licensed architect and approved by me with my signature.
I never requested architectural plans as you can read in the contract provided by XXXX, architectural plans was never quoted.
In order to work on the property, the City of XXXX needs to approves the architectural plans. Please Synchrony gets these documents from XXXX.
If XXXX has bought material why the material was never deliver to me? Does XXXX provide proof of any material delivered to me and for what amount? and what kind of material?
XXXX offered free estimate in their website XXXX why a walk through is now taking in consideration for the {$25000.00} payment?
I never cancel a contract please provide a proof that XXXX has send you that I had stop the project? and for that reason 30 % cancellation fee was enforced?
Too many inconsistency that Synchrony is not providing to me that they conduct an investigation and that the merchant is providing enough proof to justify taken {$25000.00}. and from Synchrony to take a decision against my favor. Only a contract signed is not a proof of service delivered.
If Synchrony is validating the contract as a proofs of services delivered to me, therefore Synchrony bank is saying that fulling understood the terms and conditions of the contract and that it is assuring I received and I approved architectural plans, that I received material for an unspecified amount, and that I formally stop the project and for that reason I need to be enforced 30 % cancellation fee.
I will wait for your further investigation resolution. I'm attaching the appraisal I executed to demonstrate the condition of the property and that I never received any services from XXXX.
Thank you, XXXX
|
| 08/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I filed a CFPB complaint ( # XXXX ) citing inaccurate credit reporting by Synchrony Bank relating to a charged-off XXXX credit card in the amount of {$2100.00}, which was continuing to be reported on my XXXX credit report despite the company stating they had discontinued reporting in XXXX. Additionally the company refused to accept payment when contacted, stating that because the debt was discharged via IRS Form 1099, they could not accept payment.
In the company 's response, authored by XXXX XXXX on XX/XX/XXXX, the company stated that they would forward an Universal Data Form ( AUD # XXXX ) to correct XXXX 's information. Further, Ms. XXXX stated that the company would accept payment on the debt, " ... payments may be submitted to the payment address on the billing statements you referenced even after the statute of limitations has been reached on an account. '' On XX/XX/XXXX I attempted to make payment to Synchrony, contacting their customer service line. Both the primary calltaker, and her supervisor refused to accept payment on the account. Immediately after speaking with them I contacted Ms. XXXX and left a voicemail requesting assistance. I received no callback.
On XX/XX/XXXX, I made a full payment of {$2100.00} ( Confirmation XXXX with XXXX XXXX ) on the account using my bank 's Bill Pay system. I believed this would force Synchrony to process a payment in accordance with Ms. XXXX ' statements in the company response.
On XX/XX/XXXX, I again attempted to contact Ms. XXXX relating to getting assistance addressing the account, now that the payment had posted, leaving another message. I again received no callback.
On XX/XX/XXXX, after not receiving contact from Ms. XXXX I filed an appealed dispute with XXXX citing the payment and requesting Synchrony provide clarification to Experian that the account is now paid. I also requested the consumer challenge on the account be removed. On XX/XX/XXXX, I received the dispute results in which the consumer challenge remained attached, and the account was again reported as Charged-Off with derogatory impact on my credit score.
I again attempted to contact Ms. XXXX regarding the account, and received her voicemail. In the voicemail I stated this was the 3rd attempt to contact her regarding the account this month, and failure to return my call by close of business would result in a CFPB complaint filed.
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
Since XXXX, I have been disputing Synchrony bank over the validity of a Walmart account on my credit report. The account, along with several others, from Synchrony bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The Walmart card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for Walmart through Synchrony bank. After disputing and sending police report, one of the accounts was removed. The other Walmart account was not and I had to do a settlement Synchrony in order to obtain my home loan. I was informed that the trade line would be removed just like the first Walmart account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both Synchrony and XXXX XXXX XXXX as they acquired some Walmart accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for Walmart for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from Synchrony and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second Walmart account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.
|
| 02/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/ 2018 both Synchrony bank and ourselves realized there was fraudulent activity on our card. We reported this activity on XX/XX/XXXX and it was resolved on XX/XX/XXXX. However, Synchrony bank failed to inform us, yet they continued debiting our bank account for the minimum payment in the month of XXXX and the month of XXXX. During the month of XXXX and XXXX we received no correspondence from Synchrony bank. We didnt receive new cards, paperwork regarding our new account details or any information letting us know the case had been resolved. In XXXX we called again asking about the fraudulent activity and the new cards, again they told us they would be sending out the information and we would get the new cards and the account resolution, but XXXX came around and still nothing. At the end of XXXX we received notification via email that we had to pay a minimum of {$670.00} on a {$16000.00} credit card statement. How was this possible?? We had no card for two months and no resolution to the fraudulent activity. Moreover our balance was only limited to {$12000.00} and we had only spent {$5000.00} prior to the fraudulent activity. So we called again on XX/XX/XXXX to ask about the charges, and we also noticed that the control number had changed of which we had no access to. On theXX/XX/XXXX they also direct debuted {$670.00} from our account as a minimum charge for the {$16000.00} worthy of fraudulent activity. We called them again on the XXXX if XXXX and XXXX of XXXX. They then thought we were opening a new case and when I called them on the XXXX they had no justifiable reason for why new cards had not been sent out, our case had not been resolved, and no correspondence had been sent out regarding the new account details or a resolution to the fraudulent activity. Even though the case had been resolved on XX/XX/XXXX, they still transferred the {$16000.00} from one account to the new account and transferred over the direct debit on our bank account. The last time we spoke to Synchrony bank was XX/XX/XXXX. It is now XX/XX/XXXX and they still have not sent us new cards, they still continue to debit our bank account for the {$16000.00} worth of fraudulent activity, and there still has been to correspondence regarding the new account details. We got these credit cards through XXXX XXXX and when we have filled these complaints with XXXX XXXX, they just send us to the bank.
|
| 05/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I made a purchase with XXXX using Synchrony credit approx XXXX. Upon the first payment, my husband attempted to make the first payment but it was rejected/refund back to his account after a few days being processed. We assumed that it was being rejected due to the account being in my name but the payment info being in his name. I then made the first payment through my account using the synchrony website. My payment was also taken but then refunded back to my accounts a few days later. I went back in and attempted to make another a payment. Same thing again entering a second time through synchrony website. To avoid a late fee on my first payment, I contacted Synchrony approximately XX/XX/XXXX and spoke with a representative letting them know I was trying to make payments but are payments kept being refunded back within a few days of posting. I then made my first initial payment with that representative over the phone. Going forward, knowing that my bank nor my husband 's bank wasn't working well with the synchrony website, I have been using my XXXX online banking to send payments and have been outstanding ever since. As of today, XX/XX/XXXX, received a letter on XX/XX/XXXX stating that my account is being closed due to a dishonor of payments. I've been outstanding on this account and very commutative when I did face a problem. I've been told by an account manager, XXXX, there is nothing synchrony can do to reopen once the account is closed. They said it needs to remain closed and they have to run my credit to reopen it. I feel that because I was on a 12 month plan with no interest, they closed and want me to pay them interest. I have not been dishonest and my account has been outstanding. They have documentations on record that I've been in communication with them at the very beginning of this problem. I have no other debts other than my day-to-day living expenses. I've been way ahead of schedule to pay synchrony. Paying more than what the minimum requirement. I understand closing an account for others but I'm not one of them that should have been closed. There is a glitch using synchrony XXXX XXXX payments on their site and when I found out that that glitch was there, I continue to make payments through my online XXXX XXXX versus their website to make sure I stay at an outstanding my account.
I greatly appreciate your time and review of this matter.
XXXX XXXX
|
| 04/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi Synchrony Bank - Corporate Consumer Relations, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was endorsed and deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) into a Misc Deposits account. After realizing the payment was missing, I opened 4 disputes with JCPenney XXXX Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ).
XXXX XXXX ( Corporate Consumer Relations Senior Specialist at Synchrony Bank ) suggested, I contact XXXX XXXX XXXX ( XXXX ) via phone at ( XXXX ) in addition to the Consumer Financial Protection Bureau complaints ( Complaint Number ( s ) for XXXX are XXXX and XXXX ) for further investigation.
XXXX XXXX XXXX suggested XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) conduct an investigation by reviewing their remote deposits report from XX/XX/2022 and confirming the check is on the Remote Deposits Report. After I contacted XXXX XXXX XXXX via phone at ( XXXX ) and the Consumer Financial Protection Bureau ( Complaint ID # XXXX and XXXX ) regarding pulling their remote deposits to locate the missing check and provided them with my full social and spelling of my name, I was told several times, they will not conduct further research or an investigation with an account number.
After reassuring XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I have never had and do not currently have an account with XXXX XXXX XXXX, XXXX XXXX XXXX ( the title company that issued check # XXXX ) started the process to open a claim and investigate the improper endorsement. For XXXX XXXX XXXX ( the title company 's bank ) to complete this process, they are requesting a representative of Synchrony Bank complete a Declaration of Unauthorized Endorsement or Altered Item form and return it back to me. I have attached a copy of the form. Please sign and return the attached Declaration of Unauthorized Endorsement or Altered Item form to submit to XXXX XXXX XXXX.
Thank you for all your assistance!
|
| 03/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a bed from XXXX XXXX ( financed through GECB ) in 2012. I applied for the loan in the store and was approved for {$3000.00}. This was a promotional loan, i.e. 24 months interest free for 24 months. Upon being approved, the salesperson told me what the monthly payments were to be. GECB then became Synchrony. I requested from Synchrony a copy of my application and the terms of the loan, but they have informed me that since my application was taken " electronically '', a paper copy is not available.
I received a bill monthly and paid what it indicated was the " total minimum payment due. '' At the end of the 24 months, as I had not paid the full amount, I was hit with the back interest, which increased my balance from {$1900.00} to {$3700.00}.
My complaint is multi-faceted, but boils down to the fact that I feel this type is lending is a trap. First of all, there is no way for me to check and see if I was informed that I needed to make 24 equal payments in a certain amount in order to benefit from the 0 % interest deal, as Synchrony is not able to provide me with my loan agreement. Secondly, GECB/Synchrony did not make it plain on my monthly statement what I needed to pay in order to take advantage of the deal. I assumed, stupidly I admit, that the minimum amount they listed was adequate to take advantage of the financing. The statements all say, " If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. '' They provide the date and the balance, but nowhere in the statement does it tell me what my payment needed to be in order to avoid the application of all the interest at the end of 2 years.
I have recently heard on television/radio merchants such as XXXX XXXX XXXX now make clear that the special financing requires equal minimum payments, which leads me to believe that I am not the first person with this issue.
I am now facing a balance of {$3000.00} w/ a 29.99 % interest rate. I believe that this is the goal of these finance companies - to not fully-inform consumers up front what the equal payments need to be, so that they can rake in HUGE profits. If I had been informed in my monthly statements what I needed to pay in order to avoid the full amount, I would have paid that amount.
|
| 01/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Good afternoon, On the XXXX of XX/XX/2021 I made a purchase from a fraudulent website that advertised BBQ grills ( XXXX XXXX XXXX XXXX for a discounted rate during XXXX XXXX. They provided multiple avenues for payment, but I chose to use my PayPal credit account for the security purposes for {$140.00} USD. After the transaction was made, I noticed that my receipt was issued from a personal email address instead of the company advertised on the website. I immediately called XXXX and expressed that I felt it was a scam and requested for this transaction to be cancelled. I was informed that they could not cancel the transaction, however they would forward over my issue to the dispute department to rectify the situation. I was then provided credit for the transaction while the dispute department continued the investigation. On the XXXX of XXXX I discovered XXXX found this transaction in the sellers favor and informed me that I had been charged for the transaction of {$140.00} USD. I was told that the seller was able to provide a tracking number stating that merchandise had been delivered to my residence, therefore they ruled in the sellers favor. After speaking to multiple representatives on multiple occasions, I finally realized that I needed help with rectifying this issue. There were multiple red flags during this transaction that I felt XXXX should have been able to recognized to show this was a scam, and I was being honest with my dispute. I'm almost 100 percent confident that XXXX is not advocating for it's consumers as advertised.
1. The Seller never indicated what was supposed to be delivered. The receipt states GENERAL MERCHANDISE, which is a RED FLAG.
2. The Seller used 2 different email addresses during this transaction and dispute, when XXXX accounts are only supposed to be associated with 1 ( attached ).
3. The fake tracking number that was provided states it was 2LBS, this was a website selling grills which would be much heavier than 2 lbs.
4. Also, after continuously searching for help, I discovered an online thread that indicates that this is huge problem that facilitates around the way XXXX not protecting its customers. Ive attached the thread to this email. ( https : XXXX ) I am respectfully requesting your assistance in this matter. Unfortunately I have not been able received any assistance from XXXX or its representatives.
Thank you in advance,
|
| 10/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
I originally applied for a Sam 's Club Synchrony bank credit card online through a link from www.samsclub.com to Synchrony bank on XX/XX/2021. I received an email with a link to an explanation of my credit request. When putting in my SSN and zip code, I got the pop up information return that my information was incorrect. I ended up calling Synchrony for Sam 's Club credit on the phone and they told me that they could not release any information of my credit denial over the phone, but could mail me the information to my home. I requested the information. When I received the letter the letter informed me " Your credit request was denied for the following reason ( s ) : Credit bureau reports that the applicant is deceased ''. The letter further informed me that if I questioned the credit bureau 's determination, then to call the credit bureau XXXX. When I called them, they could not explain the determination and that I should call Synchrony for further detail. When I called XXXX, their resolution was to reapply for a credit card for Sam 's Club. I have a XXXX XXXX score, I am not deceased and can not determine why I was denied. I decided to physically go to my local Sam 's Club and apply. I got a friendly customer service representative ( on XX/XX/2021 ), that admitted I was not deceased, but did want to see my photo drivers license. After she entered the detail, my credit card was still not approved so she called Synchrony Bank. They requested that I get on the phone and recite my name, address and last 4 of my SSN. They also asked for my phone number and if that was my only immediate contact for that instance. They then put me on hold and said to please be patient. I waited and the Synchrony Bank representative came back on and said she was going to recite me a url web access. I was to write the address down and go to the web site and video 5 minutes of my displaying verification of my identity. It sounded like holding up my pictured license to the camera and maybe a passport. I was flabbergasted to say the least and said " you want me to go to a website and video tape myself? ". I explained to her that I did not need the Credit Card that bad and would not be preforming for any audience and she could have a good day. I have never heard of anyone being requested to go to a website and video themselves. Is that legal? Thank you for your time. Respectfully, embarrassed.
|
| 02/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
XX/XX/XXXX Opened a Chevron/Texaco affinity Visa card service by SYNCHRONY BANK - credit limit {$2500.00} ( my credit score is between XXXX ) ; XX/XX/XXXX started using the card for my company 's drivers mainly at Chevron Gas stations XX/XX/XXXX balance is {$400.00} - I made the first payment online through company 's Synchrony Bank 's website XX/XX/XXXX email received confirming " payment posted '' - available balance not updated to reflect payment XX/XX/XXXX balance {$720.00} - made another payment of {$720.00} - bank website XX/XX/XXXX email received confirming " payment posted '' - available balance not updated to reflect payment XXXX spoke to company representative who informed that " payments are on hold '' while thy " determine my payments pattern '' due to new account - this is without any " returned payments '' - representative advises that payments are being held for up to 9 days!
Agent advises that making payments on " debit card '' is quicker and will credit in 24 hours XX/XX/XXXX - Payment of {$1000.00} made on debit card linked to my business account that'd a balance of over {$90000.00} XXXX Received email confirming " payment has posted '' - balance fails to reflect the payments XX/XX/XXXX - None of the payments had been reflected in " available balance '' XXXX spoke to multiple representatives and supervisors who told me that " payments can be held for 9-10 days '' and that I was ERRONEOUSLY told to make a payment on debit card as that payment also would be held for 9-10 days!
All payments made had cleared my bank account in 1-2 business days Contact made with Social media " executive linked representatives '' XXXX, who pretty much repeated all the above while being unable to answer the question " What does it mean when your email says my payment has posted? '' but the balance is not updated???
FYI-My debit card payment made on Friday XX/XX/XXXX cleared my bank account on XX/XX/XXXX the very next business day.
Why in an age of electronic banking does Synchrony Bank claim that they have not " verified payments '' and can not tell me what that even means?
How can Synchrony Bank deceptively send confirmation of payments but not make the balance available?
New account or not, unless they have another reason and experience to " hold payments '' this should not be allowed and is illegal as it it is clear Synchrony was receiving the funds in 1-2 days.
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX we purchased several items from XXXX. XXXX. The total was {$5400.00}. The agreement made at the time of the purchase was that a portion of the purchase, {$2200.00}, was payable without interest over a period of 24 months. This calculates to {$93.00} per month. The remainder of the purchase, {$3100.00}, was payable without interest for a period of 36 months. This would calculate to $ {$88.00} per month. I have the receipt that states this information.
From the above information, it would seem that I owed {$180.00} for the first 24 months and {$88.00} for the remaining 12 months.
I began to receive bills from Synchrony Bank located in XXXX, FL, for the total amount of the purchase, {$5400.00}. These invoices began in XXXX of XXXX.
For the first XXXX months I paid only $ XXXX month. I also attached a letter explaining that I was not responsible for the entire amount immediately. I feel the amount I paid, {$150.00}, was in error. I should have paid {$180.00}.
Starting in XXXX I began to pay {$180.00} each month.
In the statements from the bank there were financial penalties added to the account.
Starting in XXXX of XXXX, 24 months after my original purchase, I reduced my monthly payment to {$88.00}.
Through the XX/XX/XXXX payment I have paid {$4300.00}. This should result in a remaining balance of {$1000.00}. However, in my latest statement from the bank the remaining balance is {$2100.00} In XXXX of XXXX I met with XXXX. XXXX XXXX XXXX XXXX regarding this matter. He agreed that the terms of payment were as I outlined in point XXXX above, but was otherwise not helpful.
In XXXX, XXXX, I spoke with XXXX XXXX, XXXX XXXX XXXX, and explained this to him. He said that he would call XXXX. XXXX and ask their bank to acknowledge the original agreement.
* At the time of the last statement from Synchrony Bank, I had paid {$4500.00}, with a remaining balance of {$890.00}.
* Per the statement from the bank, the balance is {$2000.00} and I have a " XXXX XXXX '' amount of {$130.00}.
Please understand that there have been numerous letters accompanying my monthly bank payments, but seemingly with no concrete results.
I have also spoken with a representative from the bank, and that person dismissed my concerns without any explanation.
Also understand that I keep very thorough notes and files and could supply anyone asking with a written history of this matter.
|
| 04/20/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
We are the XXXX XXXX for a XXXX XXXX. On Tuesday, XX/XX/XXXX we called to close a CD account with Synchrony Bank and have the balance mailed to us. After not receiving the check I followed up with them on Monday, XX/XX/XXXX and they indicated they had not received the first request but they would mail the check minus a {$1500.00} penalty this week and we should have it in 7 to 10 days. The person I spoke with said they did not have the authority to waive the fee but would have a manager call me back. I never received a call back. I called again on XX/XX/XXXX and spoke to two people. The final preson being a XXXX who was a supervisor. She indicated that when I called on Monday, XX/XX/XXXX there was no notes made to escalate the call and that they needed to investigate the original call of XX/XX/XXXX before they could make a determination. She said this would take 48 hours and I would hear back next week. After not hearing back again I called Synchrony for the fourth time on XX/XX/XXXX and spoke with a representative of Synchrony. He indicated that the review of the phone logs that was promised to be completed in 48 hours was not completed. He indicated that he could tell from reviewing our account that it had been mishandled from the beginning. He also informed me the check had until XX/XX/XXXX to arrive at our office. Also, that the penalty was {$1800.00} they deducted not the {$1500.00} originally quoted. Also, he stated that they could have charged us {$2100.00} as if it was a favor to us. I let him know that the contract shows a penalty of 90 days interest, to which he said he could register a concern if I wanted, which I said I did. I asked to speak to a supervisor. He put me on hold twice and came back and said no one was available and if I wanted he would put in a request for a call back and I would hear back within 48 hours. He also indicated that he did not think his supervisors would change the position on the penalty. I informed him we would be filing a complaint with the Consumer Protection Board and he indicated we should if we felt it was necessary and that he was pretty sure they would not change their position on the penalty even though they had not followed their reported internal procedures. As of this time we have not received any of the Association 's funds owed totaling {$200000.00} and can not get a response on the fees that have been charged.
|
| 04/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/ - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court,XX/XX/XXXX..
Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law.
At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent
|
| 10/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SYNCB/JC PENNEY DC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have contacted both SYNCB/JC PENNEY DC and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$4800.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online
|
| 02/01/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have had this account open for several years. In late XXXX of 2017, I changed my checking account and updated the new information in XXXX 's system. I believe the exact date was around XX/XX/ that I changed my payment method.
It was around this time that XXXX changed their servicing system from one platform to another ( and in that time frame also raised their late fee from {$27.00} to {$37.00}, incidentally XXXX.
My payment which had always been deducted automatically was not processed on XX/XX/XXXX. After XX/XX/, I received a statement showing that my balance was past due, and that I had incurred a large past due charge. I immediately contacted XXXX by phone, and they instructed me to update my payment information over the phone, which I did.
After XX/XX/, I again received a statement this time showing a payment past due in the amount of {$120.00}, which included the past prior XXXX months, plus late fees and accrued interest. I again immediately contact XXXX, asked to speak to a supervisor, and again updated my payment information. I was assured that my payment would be processed onXX/XX/XXXX and that my account would be caught up. On XX/XX/XXXXXXXX attempted to debit my prior, out of date, checking account, which at this point had been closed for over 2 months. This information should not have been in their system at all. I received a letter detailing this event datedXX/XX/XXXX, that I received aroundXX/XX/XXXX. I again contact XXXX, explained the situation, and a rep mentioned that " the old system must have tried to process my payment '', or something along those lines.
At this point, aroundXX/XX/XXXX, frustrated, I once again called, was told that my payment was already setup for XX/XX/, correctly and would be debited. After XX/XX/XXXXI checked my account online and found that the payment was not debited.
At this point I manually made a payment myself via my bank for {$120.00}, which posted to my account on XX/XX/. My regularly scheduled payment, which should have been processed onXX/XX/XXXX, once again did not happen. OnXX/XX/XXXXI once again made a payment online for {$120.00}, bringing my account current.
Over the course of these months, XXXX repeatedly failed to communicate, and incorrectly attempted to debit either my old checking account, or simply didn't make any attempt to debit any account for the payment that was previously arranged.
|
| 07/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
SYNCB JCP. Account No. : XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Has my account as reported to XXXX as a revolving charge account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by SYNCB JCP does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
|
| 01/15/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
On XX/XX/XXXX around XXXX XXXX, I visited GAP at XXXX XXXX XXXX in XXXX, Minnesota. I went to purchase 3 pairs of jeans. The sales associate asked if I had any points or coupons to use. I said no. The sales associate then said I would be paying full price for the clothing. I said I knew and that was fine. The sales associate then said something along the lines of " hold on let 's get some sort of discount. I can bring the total down by about XXXX dollars. '' I replied that it sounded great. The associate asked if I had a card with GAP. The sales associate did not specify credit card, so I assumed it meant a rewards card. I said maybe. He asked me to follow the prompts on the card reader to check if I was in their system. The prompt asked for my full 8 digit social security number. This was a red flag to me and I said their system wouldn't have my ssn. I felt uncomfortable and entered my SSN anyway. I wasn't in the system. The associate said no problem, they'll get me added. The associate asked for an ID, and then asked me to follow the prompts on the card reader. The bottom of the screen said " CREDIT CARD APPLICATION. '' I then responded that I did NOT want to apply for a credit card. The associate responded that I would have to pay full price, and I said it didn't matter to me but I would not be opening a credit card. I then completed the purchase. I was really uncomfortable when I left because I was never told I was opening a credit card. The sales associate just automatically started the process with me. This is very misleading and unclear. I decided to return to the store about fifteen minutes later and requested to speak with a manager. I spoke with an individual who I believe to be a manager and explained what had happened. That individual responded that he has never received this complaint before but can talk to the sales associate. That individual then explained to me that credit card sales are a part of the experience of shopping at GAP. I responded that I had no problem with credit card sales, but it's irresponsible to tell me I'm being entered into the system to get a discount, when I'm actually applying for a credit card. The manager repeated that he would speak with the associate and I left. I don't feel like my complaint is being taken seriously, and I think this is very manipulative behavior to try and trick customers into opening credit cards.
|
| 04/22/2016 |
Yes |
|
- Credit line increase/decrease
|
|
Web |
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|
I have XXXX credit cards : TJ Maxx, Wal- Mart and Belk , all through Synchrony Bank . XX/XX/XXXX, Belk decreased my credit limit from {$900.00} to {$860.00} based on my credit report and not the fact that I had not been late and was paying on time. Then XX/XX/XXXX, I experienced a financial setback for which I spoke with a customer service representative for Wal-Mart/Synchrony Bank. The representative set up payment arrangements drafted from my checking account, and she advised me that my account would remain open as long as I made payments. Then come to find out, customer service lied because my account was closed and turned over to a collection agency. I called them, sent a letter, and informed them about their lying business practices. I complained about them turning this over to a collection agency, which now has a negative hit on my credit, especially after I was making timely payments. Wal-Mart/Synchrony Bank took the account from the collection agency, and I began making my payments at the store. However, they refused to re-open my account even after I paid it in full.
Mind you, I have the TJ Maxx and Belk cards through Synchrony Bank, which I was paying on time and maintaining. Then on XXXX XXXX, XXXX, I paid {$800.00} on my Belk card, still leaving a small balance and {$500.00} on my TJ Maxx card. Then two weeks later, XXXX XXXX, XXXX, I received an email copy of my statement saying my available credit was {$9.00}. So I called the next day about my emailed statement, for which no one could answer but advised I would be getting a letter in the mail stating why they decreased my credit. I believe they knowingly chose to do so to adversely affect my credit score. I pay my balances down below the 30 % so my credit score can increase, and two weeks later Synchrony Bank makes this decision regardless of me being a member for years, paying on time, and having multiple accounts/cards. I truly believe Synchrony Bank, formerly GE Capital, is back to its old, unfair practices greatly affecting people who are working hard trying to maintain their credit scores. The reason I know this is unfair, they have reduced my credit line twice within a year 's time. Why would my account be flagged so, especially with me paying on time? How could a bank possible justify going from {$900.00} to {$170.00} within a year 's time and the customer has been making on-time payments.
|
| 12/15/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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I applied for an Amazon Store Credit Card in the beginning of XXXX. I believe it was in XXXX, but I can not recall the actual date. I applied online, through my Amazon Account, when I was offered a promotion to get {$50.00} off the current total cost. I received the {$50.00} discount although I never received any notification in my personal email or in the mail about the credit card.
Synchrony gave Amazon my credit card information before sending me the card, and Amazon went into my Amazon Account, removed my Prime card from default charge and replaced with the new synchrony store card. There was a letter with the details, dated XXXX XXXX, in message Center of my Amazon Account. This letter mentions that I " will '' receive my card at a future date, pointing to the fact that the past mentioned actions have taken place prior to my having received my physical card. The letter also states that the store card was automatically added to my Amazon.com account as my default payment.
I have attached a copy of transaction sheet listing charges two charges totaling {$63.00} for two items and the late fees of ( {$38.00} per month ) up to the current date come to the account balance of {$340.00}.
XX/XX/XXXX - {$7.00} XX/XX/XXXX - {$56.00} Complaint Amazon and Synchrony violated CA law by distributing a card in CA and to a CA resident that does not require activation, and by not divulging this information to me before I signed up for the card. If I had known the card did not require activation prior to use, I would not have applied for it. Both companies put me at risk for fraud and identity theft by violating CAs credit card law.
Both Synchrony and Amazon took part in committing financial fraud when Synchrony gave Amazon my full credit card number and the three digits on the back, enabling the card to be charged without my permission and before the card was in my possession. Amazon not only entered my personal Amazon account without my permission, they manipulated the credit card arrangement, changing the default so that any charges made to the account would automatically go to the Synchrony Store Card. This was something someone at Amazon did with the help of someone at Synchrony.
Request It is my desire that all charges involving this Amazon Store Card through Synchrony that are connected to either or both companies be cleared along with any and all late fees.
|
| 05/17/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I called Guitar Center 's credit card center to check on my XXXX XXXX XXXX credit card which I had not used in quite a while. Their credit cards are now handled by Synchrony Bank and I was told the account had been closed due to inactivity which I can fully understand. When I asked to reactivate it ( I had spent about {$3000.00} in the past with no problems ) I was told I would have to reapply which I did on Sunday, XXXX using their on line application form. Later that day I tried to order a guitar and case for my grandson 's birthday.
The total was around {$650.00} but I was told it was not possible at this time and that I would have to go to the local XXXX XXXX store. I recently was sent a 15 % off coupon and a 48 month no interest offer which expired on XX/XX/XXXX so I was anxious to get this taken care of. On Monday XX/XX/XXXX I drove to the XXXX XXXX store and explained the situation. He said " No problem '' and called to my account number. About 15-20 minutes later he came to me and told me I had to fill out an in-store application. I was annoyed but did as requested. He called again and about 20 minutes later he came to tell me that my application had been declined! I could have used my XXXX, XXXX, XXXX, or XXXX cards to complete the transaction but I really wanted the 48month interest free offer. My credit rating is XXXX and I have considerable funds in the bank. I also own my own home and have 2 paid for vehicles so this rejection baffled me and the offers expired the next day. Angry, I spent the next 3 hours on my cell phone with Synchrony Bank and spoke with several departments trying to discover what their problem was. After talking to several of their associates ( many in foreign countries ) I finally was able to speak to 3 supervisors/managers who were of no help. I was repeatedly told I would receive a letter explaining their decision in 3-5 days. By XXXX " I hate Synchrony Bank '' I found many, many complaints about Synchrony Bank 's incompetence and suspicious practices and became concerned enough to take this action. My wife calculated that their incompetence cost us about {$200.00} between the now expired coupon and 48 month financing offer. I am a retired educator and have always endeavored to keep a good credit rating through frugal spending habits. I hope you will investigate Synchrony Bank and its questionable practices.
|
| 07/19/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a an account with Synchrony Financial through their Amazon Store Card. The card offers XXXX XXXX back on Amazon purchases, as well as the option for promotional financing on qualifying orders. These orders allow for deferred interest for periods dependent on the amount of the order.
When logged in online at https : //amazon.syf.com/, you can manage your account settings. One such setting is the way you want payments allocated. I have since the beginning selected the option to allocate my payments first to the non promotional balance of my account. The option reads as follows : " Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' Almost every time I make a payment, the payment is instead allocated to my promotional balance. This results in me carrying a balance subject to interest, especially when I do not follow up with the payment. After all, I have made a selection clearly to allocate them to the non promotional balance. I would have no reason to expect it to be allocated otherwise.
The most recent example was a payment made on XX/XX/2020, before doing so I made sure that my selection was the option I described previously. It was when I checked, but I saved it again to be sure. I made a payment for the exact amount of my non-promotional balance. On XX/XX/2020 I checked and it had been allocated to my promotional balance!
I contacted customer service chat and had it manually allocated, but they told me gave me several unlikely explanations : that my selection would take 1-2 weeks to process ( even though there was no change ), that it was a technical glitch, and that I had selected a different option.
Then they told me I would have to have it manually allocated each time, something they have told me before. If that is the case, the page with the allocation options is outright deceitful!
I am tired of having interest charged or wasting my time on customer service interactions any time I want to make a payment!
|
| 05/13/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Managing, opening, or closing your mobile wallet account
|
|
Web |
Servicemember |
|
On XX/XX/2019, I called PayPal Credit to understand how my payments are being allocated. I currently have two active promotions with PayPal Credit, a 0 % for 24 months Easy Payments and a 0 % for 6 months with deferred interest. In XXXX I payed two payments totaling {$400.00} and in XXXX I payed {$450.00}, both months paying well over my minimum amount with the intent of all of the money over my payment to apply to my 0 % for 6 months promotion in order to pay it off before XX/XX/2019 when if becomes an interest bearing account.
I noticed today, XX/XX/2019, that all of the month I paid in XXXX and XXXX, with the exception of the minimum amount that was allocated to the 0 % for 6 months, was allocated to the 24 month fixed term. When I called on XX/XX/2019 to correct this issue, I was told by a representative named XXXX that all payments in excess of the minimum payment will automatically go towards the Easy Payments term first, until the 6 month promotion term is within 30 days of becoming due. XXXX also said that if I wanted to make changes to how payments are allocated that I would have to call in and that the process would take up to five days to complete. I asked to speak to a supervisor because I was concerned by this process. I spoke with a manager named XXXX and she echoed the statements of XXXX and said that my XXXX and XXXX payments were being reallocated.
It is my understanding that under the Dodd-Frank Act that all line of credit payments are to be allocated to the highest interest bearing portions of the account first. In this case, I do not need the extra month applied to the the 0 % for 24 months as that promotion is a fixed term that pays off after the 24 months. Instead, I need any extra payments applied to the shortest term which will become interest bearing in only three months from now.
The fact that I have to call PayPal Credit to have them reallocate my payment is unacceptable. When I called on XX/XX/2019, there was an 18-23 minute wait time. Luckily they did offer a system that calls me back but for me to have to do this every time I make a payment in excess of my minimum payment is ridiculous. This process is a ploy to make customers go " the long route '' to correct issues on their accounts with hopes that they will give up out of frustration and PayPal Credit can reap the benefits when the account becomes interest bearing.
|
| 06/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
In XXXX of XXXX I received dental care costing approximately {$4000.00} at XXXX XXXX in XXXX Colorado. Upon proceeding to pay for this care, I was offered a promotional credit card called " CareCredit '' by Synchrony bank to spread the payment out over a period of 2 years at 0 interest by the front desk staff. The staff never explained to me how the card worked in detail to include how the differed interest would take effect. Even so, I remember when initially setting up the account I selected an amount ( approximately {$170.00} ) that would pay off the balance in the allotted time frame to be auto-drafted from my checking account. Fast forward to XX/XX/XXXX, as I am going through my bank statements I'm shocked to see I'm paying Synchrony Bank more than 2 years later, as I had believed that would have been paid in full by XXXX of XXXX. I promptly contacted Synchrony to explain this to them, telling them I'm more than happy to pay off the balance I had left in XX/XX/XXXX immediately, but I believed that the nearly {$2000.00} of interest they tacked on at that point was clearly a result of misunderstanding or a mistake in my auto-pay enrollment. They said there was nothing they could do, so I requested they send me every document they have on my account to include account set-up forms, auto-pay forms and monthly statements. They responded with a broad agreement without my signature on it, and my monthly statements going back 30 months. They have not produced any records that indicate my auto-pay enrollment details as I requested. Additionally, searching my email I found that the first statement I have from them is from XXXX of this year, after the differed interest had already kicked in. From the date of the account opening to the date the promotional period ended, the only emails I received were marketing other promotional products which I don't remember consenting to receiving. In this way, Synchrony bank failed to keep me informed about the status of my account, while constantly marketing to me to flood my inbox with irrelevant information and cloak their predatory intentions. They never made any effort to inform me that the differed interest was about to kick in, a simple phone call at any point leading up to this that explained I still had a balance and the differed interest would kick in would have caused me to promptly pay off the remaining balance.
|
| 12/17/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
Synchrony Bank responded to my prior request by sending me some account statements from an alleged account. The statements did not even add up to the alleged balance they are claiming. There was also no documentation of the supposed account terms, any proof of an agreement between myself and them nor ANY proof of this account being valid.This account remains unvalidated, and inaccurate. I asked for the full accounting history and all that was provided were statements starting in 2011 that already had a balance on it.There are also all kinds of blank fields and retracted blacked out items on these statements they sent. This all means the information you have furnished is inaccurate and incomplete and the FCRA says you are required to delete this information.
I am now asking them here where the CPFB can see it themselves, for them to provide copies of the actual documentation used to " verify '' this account with the credit bureaus. Including a certified copy of the original contract, the FULL accounting history of the account from the origination to present, copies of cancelled checks proving late dates, and proof of the bank account the payments were taken from. Also please provide proof that you lent me actual money and where did they get that money from since it is against the law to lend money from your assets or your depositor 's assets.
XXXX XXXX XXXX defines 'verification ' as " the declaration under oath or upon penalty of perjury that a statement or pleading is true, located at the end of a document. '' So I would like for Synchrony Bank to provide the sworn legal statement proving that we did business of any kind.
Lastly, I would like Synchrony Bank or GE Moneybank to please admit or deny on a sworn affidavit that Synchrony Bank ( or GE Moneybank ) received insurance money that paid off the account at approximately 90 days of no payments. Please admit or deny that Synchrony bank followed the law and took a loss on their taxes the year they charged it off. If they did, the debt was cancelled and no longer exists.
If you can not provide all the requested information, FCRA Sect 611 requires this be deleted. If this remains on my credit report, I will be filing more complaints with the XXXX, Attorney General and as a last resort, finding a consumer attorney and taking legal action against Synchrony Bank for willful noncompliance of the FCRA.
|
| 06/08/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/XXXX I purchased an adjustable copper infused bed frame and mattress from XXXX XXXX 'XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. The bed and frame cost a total of {$1900.00} which was charged to a XXXX XXXX credit card I applied for on the same day of the purchase at the store.
The store clerk said this bed frame and mattress would help to relieve my XXXX XXXX XXXX and I'd wake up rested and refreshed.
When the bed frame and mattress were delivered on XX/XX/XXXX I told the delivery person that this was not the bed frame and mattress I tried out and purchased because it did not look or feel the same as what I purchased. The mattress was in fact a foam mattress and the delivery person said that it would take 3.5 hrs for the mattress to fill up and expand.
After 5.5 hrs the " mattress '' was still very soft to the touch and felt like a sponge and not a mattress. This bed frame and mattress were not at all what I ordered at the store and I have been asking the store to pick up their bed frame and mattress and issue a full refund to which they have stated they have a " no return '' policy.
I was not able to call the store clerk on the day of delivery because I had to wait the 3.5 hrs I was told it would take for the mattress to fillup. I slept on the bed the night of the delivery and woke up the next morning with terrible XXXX XXXX so I called the store clerk to tell her I wanted them to pick up their bed. The store clerk told me that I had to sleep on the bed for at least 30 days so I can get used to it. I told her I would not sleep another night on this bed because it made my XXXX XXXX worse. The bed has not been used since the first night I tried it and I will never use it again.
I have contacted XXXX XXXX 's customer service department and have found no help with this issue. XXXX XXXX has offered to change the mattress but it's not just the mattress I have a problem with but the whole bed ... .. this bed does not help someone like me with XXXX XXXX issues. I also contacted the credit card company ( Synchrony ) to let them know that I need XXXX XXXX to pick up their bed frame and mattress to no avail. All I want is to return this bed frame and mattress to XXXX XXXX and have them issue a full refund to the credit card.
I have also filed a complaint with the XXXX but XXXX XXXX still refuses to return and refund.
|
| 10/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SYNCB/WALMAR XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have contacted both SYNCB/WALMAR and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$590.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online
|
| 01/08/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/XXXX I ordered a queen size XXXX brand memory foam mattress from XXXX seller storefrontXXXX using PayPal credit. I received my item on XX/XX/XXXX. The item was drop shipped from XXXX and came in a plain cardboard box. I opened the memory foam mattress which come compressed in the box. Once you open these mattresses they expand to full size. Because the seller shipped this item from XXXX and selected the option for 'gift ' there was no paperwork to indicate the size, nor any indication on the box of the actual size of the mattress. When I opened the mattress, it expanded to full size and only then did I realize that I was sent a twin size mattress, and not a queen size. I immediately started the return process and the seller agreed to take the item back for a full refund. The seller provided a shipping label, but the label was not for the proper size item. Now that the item had expanded, XXXX would not accept it. That same day I attempted to contact XXXX, where the item was shipped from, to arrange a large item pickup ( a service they offer in these cases ). XXXX told me that because I did not purchase the item, that I could not make those arrangements so I contacted the seller to request advice on sending the item back. On XX/XX/XXXX, at XXXX EST, I contacted XXXX support because I had not heard from the seller and needed assistance returning this item. I was told by XXXX support that they would reach out to the seller to request arrangements for shipping and that if the seller did not respond by XXXX the case would be decided in my favor and I would receive a refund due to XXXX 's buyer protection. On XXXX I received an email stating that the seller asked XXXX to close the case and it was decided that I would not receive a refund. The seller still never responded to any of my messages and XXXX made no attempt to contact me about the case prior to closing it. The case was also closed early, without allowing me the full amount of time to send the item back. On XX/XX/XXXX, at XXXX I contacted customer support at XXXX who told me the decision could not be overturned and that I would need to contact paypal for further investigation. PayPal has refused to accept my dispute or appeal unless I pay for shipping the item back to the seller which would cost in excess of {$150.00} when the seller could easily just contact XXXX and arrange shipment.
|
| 12/06/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
Older American |
|
I am a long time XXXX customer, and opened a promotional rate XXXX XXXX XXXX ( ending in XXXX ) with them in XXXX. I funded the account immediately by transferring funds from my savings account. Shortly after I opened it, and still within the funding period that they indicated for the account, they increased the rate on this term XXXX. I requested that they apply the new higher rate to my account since it changed within the funding period. This only seems fair and right, and this was once their policy. I got the most frustrating runaround on this request, and eventually was denied or invited to close it with a penalty. I appealed this decision and asked for the matter to be escalated. Although I received numerous emails that said the matter was referred to the appropriate department and I would hear from them, I was never called or written back. All of my inquiries are documented within their secured email service. I continued to follow-up on this and most recently I was able to speak to a Supervisor XXXX XXXXXXXX XXXX XXXX XXXX who told me that my request for a rate change or penalty free withdrawal would not be honored. He suggested that I withdraw WITH PENALTY & reinvest a current rate, and calculated that I would actually be a little bit ahead in total earnings if I did so. Really? Nice interest expense back in XXXX 's pocket! An underlying problem is that XXXX was constantly escalating rates while heavily promoting their " XXXX XXXX 's '', deceptively ( with advertising language like " hurry this rate won't last! '' ) locking depositors into rates below what XXXX knew they would be increasing in XXXX weeks. I think this was an abuse of the consumer and a very bad faith practice by XXXX. But to my claim, after all of the personal time & frustration I experienced from this and all of XXXX 's broken promises and lack of care addressing my issue, I asked XXXX XXXX if he would discuss my matter with a higher authority ; I wanted to close that XXXX with no penalty and agreed to simply deposit it back into my Savings account. He said he didn't think that would happen, but said he understood and agreed to make the case for me and call me back the next week. It has been XXXX weeks now and I have not heard from him. I called and left a message that has not been returned. Once again, XXXX breaking promises to customers and providing awful service.
|
| 03/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I was reviewing my credit scores when I noticed there was a note on my Care Credit account, so I logged in only to find it had been closed less than 2 weeks ago. There is no balance on the card, I have had it several years, and made all my payments on time with no late fees. I tried to call the company to no avail. They lied to me on the phone twice, once stating that they sent out mail and email notifications that the account was going to be closed, but later backpeddalied and said the account was closed BEFORE they sent out these notifications, which I never received. Then, the first representative I spoke to actually told me that these " periodic automatic account reviews '' can be opted out of. When I asked how I would opt out, she said I'd have to review the terms and conditions. When I asked the supervisor I spoke to next, she said that information was false. Of course she also had to mention that they are not legally required to notify you of an account closure. I recommended they enact some better practices, such as requiring consumers acknowledge these notifications, either by certified mail, or some other electronic method, so that this does not happen, but again they are not required by law to notify you, so they care to have the integrity to do so. This appears to be a major issue with this brand, as I have seen on reviews for Care Credit on XXXX XXXX. And instead of taking measures to help their consumers and improve practices, they are derelict in their duty to responsibly provide credit services. There needs to be a law requiring credit card companies notify you BEFORE they close your account, and there needs to be ACKNOWLEDGMENT from the consumer that they understand this BEFORE the account can be closed. Because these practices are botching people credit scores, like mine. I am trying to apply for a mortgage, and I had this card open for a long time, helping my credit, but them closing it without my knowledge or permission, just set me back. Also, there should be a way for them to reinstate your closed account. If they can close it so easily, why can't they reopen it when THEY made a mistake? There needs to be accountability, instead of just 'oh well '. People who pay off their cards and are in good standing should not be penalized by a greedy system that can't make money on a card I only use for emergencies and special purchases.
|
| 11/02/2015 |
Yes |
|
|
|
Web |
|
|
I purchased furniture making use of a twelve-month, same as cash offer via Synchrony Financial ( formerly GE Money Bank or GE Capital ). I established a monthly recurring payment with my bank, which processes a payment to Synchrony in the amount of {$150.00} on the XXXX of each month. I received a statement from Synchrony indicating that they did not receive a payment from me in XXXX or XXXX. They applied a {$25.00} late fee. After XXXX phone calls with Synchrony ( XXXX being escalated to a supervisor, XXXX ), I was told that I had to fax proof of my payments to Synchrony. I obtained proof of the payments from my bank, and fax those documents to Synchrony as well as a letter stating that I wanted them to take certain actions, which included crediting my payments as well as explaining why they were not crediting the payments that had been sent. My fear is that this will continue to happen unless they correct the issue. I want an explanation as to why there are not applying my payments. Further, I stated that I wanted something in writing stating that I did not make any late payments as I 'm concerned this will impact my excellent credit rating. I faxed all of this information to Synchrony on XXXX XXXX, at XXXX. The fax transmission confirmation document was produced at XXXX, which is evidence that they did, in fact, receive my fax. It is XXXX XXXX ( 7 days later ), and I have not receive XXXX bit of communication from Synchrony. They have not indicated that they received my documents, and certainly have not addressed the items I asked them to in my fax, namely crediting my account, providing me with assurance that they 've found and corrected the problem, or a letter stating that I have not been delinquent in my payments. I have received absolutely nothing from them. I researched this company online and was astonished by the number of complains just like mine. It appears that this is a common practice with Synchrony. In fact, " XXXX '' has XXXX reviews of Synchrony, all with the lowest possible rating and describing this same type of incident. Amazon complaints run rampant as well. This is clearly a company that makes a practice of creating reasons for charging people late fees and attaching interest to " same as cash '' accounts. I would like my issue addressed by them immediately and their practices should be investigated by federal authorities.
|
| 07/09/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
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|
Web |
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I was sent an email offering XXXX at a low cost. I checked the internet to inquire about negative information on the business and found nothing. It was XX/XX/XXXX and I asked my husband would he make me a XXXX gift of the XXXX. He said if I could pay the bill in XXXX months I could do it. I visited the clinic to get my questions answered. After being told the XXXX would cost $XXXX, the intake person encouraged me to get it financed through Care Credit (a subsidiary company of Synchrony Bank). I was given the brochure and was told to ask them about XXXX-month financing. I was unsure about opening another credit account because I have a number of credit cards already and did not want to wreck my credit score by adding another. But I had another Synchrony credit card (JC Penney) and they were a very reputable business, also I knew I could close the account after the card was paid off. I called the number and after being transferred XXXX times, I was transferred to the person who authorized my XXXX to be financed over XXXX months. When I asked for paperwork to verify, I was told that I should merely tell the doctor's office I was approved. I never would have gotten the XXXX done on a 6-month interest free financing. After my XXXX, I began making payments in XX/XX/XXXX of large amounts, because I wanted a smaller, manageable amount to end my payments in XX/XX/XXXX. I never looked at my statements, I just checked my online account and continued to make payments. In XX/XX/XXXX, looking at my online statement, an unreasonably large amount had been added to my payoff balance. I called and questioned Care Credit, and they said the doctor had denied me the XXXX-month interest free financing. I was appalled, I had never heard of a credit card company doing what the payee said and not the payor. I had never been notified by the doctor's office or by email from Care Credit that I had been denied. I trusted that the right thing was being done. I never checked my online statements, I just continued to make payments. I transferred most of the balance to a more reliable credit card, but was still charged an unreasonable amount again on the unpaid amount. What kind of credit company charges $XXXX for XXXX months on XXXX and than another XXXX on an unpaid balance of XXXX? I felt completely cheated because they wrecked my credit, and I felt they stole my money.
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| 01/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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CEO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Connecticut, XXXX, United States XXXX : XXXX XXXX, Senior Specialist Corporate Consumer Relatons Synchrony Bank XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX This is NOT a complaint, a query, a request for a statement/agreement and is NOT to be treated as one. By doing so, you will agree to pay {$5000.00} in damages.
Do not refer to me as Mr/Mrs/Ms or any title, which is a legal fiction and is not me.
By doing so, you will also agree to pay {$5000.00} in damages.
Re : Account/Credit Card/Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX.
I wrote to you on XX/XX/XXXX requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.
I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date, to validate the debt, will constitute your agreement to the following terms : 30 1. That the debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.
6. You agree to pay all fee schedules.
Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under The Fair Debt Collection Practices Act.
Yours sincerely, By : Sovereign XXXX XXXX ' XXXX Authorized Agent and Representative for XXXX XXXX XXXX No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. WITHOUT RECOURSE NON-ASSUMPSIT Calls maybe recorded
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| 11/02/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Someone has made charges on my JCPenney Store Credit Card. I received an email on XXXX from Synchrony Bank the bank who extends credit for JCPenney stating I have a communication from JCPenney Credit Card. I havent used the card in at least 12 months so I knew something was wrong. I followed the link and tried to log in to my account and I was unable to do so. I called the number in the error message. It was the JC Penny Credit Fraud Department. I was completely worried at this point. I explained to them that the charges werent mine. The phone call was really choppy the entire time we were on the phone even though we were both on land lines. This concerned me but I asked a lot of questions because credit is everything in our society. Last Night XXXX I received an email with my statement balance. It stated I owed XXXX with a XXXX minimum balance with the due date of XXXX My concern when I talked to the representative I was told the charges would be reversed on the online order that was over XXXX dollars. I really just want to close the account after the two conversations I had with the fraud department, they are extremely rude and unhelpful, but I dont want to pay any charges for something I havent purchased. Again I havent use the card in at least 12 months. I dont shop at JCPenney I literally opened the account at the register when I purchased some work out clothing while in XXXX XXXX. I may have also purchase some XXXX XXXX XXXX XXXX a year ago but thats all. I can verify the dates of the above purchases because I cant log in to my account. I asked for a statement and I cant seem to get any answers. I asked if this may just be a mix up since a payment was made on the account in the amount of XXXX on XXXX XXXX. I heard that in my account summary when I initially called. The Fraud Departments manager refuses to help me she stated she closed the account but I would be required to pay the remaining fraudulent charges. I think this is unfair when they know I didnt make the charges, theyve credited my account for most of the charges except XXXX but they want me to pay the fraudulent charges by XXXXXXXX which is unfair because I didnt make any of the purchases. Please help me resolve the remaining balance on the fraudulent purchases and to close the account. I have attached the email I received and a copy of my drivers license to prove my identity.
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| 11/01/2015 |
Yes |
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Web |
Older American |
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On XXXX/XXXX/2015, I filed a complaint against Sam 's Club Credit card because they did not close my account when I contacted them on XXXX/XXXX/2015 to request that the account be CLOSED AND NO MORE CHARGES be allowed ( CFPB case number XXXX ).
I received a letter dated XXXX/XXXX/2015 from Synchrony Bank in response to my complaint about my Sam 's Club Credit Card. In the response, the company acknowledged that on XXXX/XXXX/2015, I advised them that XXXX XXXX was no longer authorized to charge on my account. The letter further acknowledged that Sam 's Club SHOULD HAVE processed a lost/stolen card request at that time. The letter further stated that, regardless, no additional charges would be incurred because the account was at the {$6900.00} credit limit. Additionally, the letter indicated that Sam 's Club Business Credit account holders receive the courtesy of charging 5 % over the credit limit. The letter indicated that I was to receive a credit in the amount of {$1000.00}.
I just received a letter dated XXXX/XXXX/2015 stating that the credit of {$1000.00} was reversed ( see attached ) because " Customer benefited from use of card/participated in purchases ''. I DID NOT - my daughter, XXXX XXXX, was allowed to continue using the card after I called to have the account closed! THE CARD SHOULD HAVE ( ACCORDING TO THE ORIGINAL XXXX/XXXX/2015 RESPONSE ) been de-activated ( reported lost/stolen )! Further, there is no FRAUD - I called to close the account on XXXX/XXXX/2015 - the company acknowledged this in their XXXX/XXXX/2015 response.
And, with regard to the 5 % overage " courtesy '' - do the math : 5 % of {$6900.00} is {$340.00}. They allowed an additional {$1000.00} in charges - a difference of {$690.00}.
I respectfully request that Sam 's Club ( Synchrony Bank ) honor the original resolution of a credit in the amount of {$1000.00}.
I am XXXX years old. I will pay the debt up to the {$6900.00} credit limit ; however, I do not believe that I should pay a dime over that because the credit card company did not follow their own ADMITTED internal procedures.
I expect a letter fully granting the original {$1000.00} credit to the account once and for all - once received, I will pay this credit card in full. There is no fraud - the bank failed to follow their own procedures and failed to close the account when I called to have it closed.
|
| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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In XXXX I used my Care Credit Card by Synchrony bank to pay for dental procedure at XXXX XXXX XXXX. It was a XXXX year XXXX interest offer on {$24000.00}. I set up ACH payments and it automatically took the amount required to pay the account off in the XXXX years. That payment was around {$1000.00}. I NEVER designated a specific amount. All was fine, account paid off in XXXX years. A year after that in XX/XX/XXXX, I had the remainder of the work done that was needed. Same place, XXXX XXXX XXXX, same credit card, Care Credit by Synchrony, same terms XXXX years, XXXX interest, amount this time was {$22000.00}. ACH is still set up. In XXXX I received a statement showing that interest in the amount of XXXX had been applied to the account so that I now owe {$22000.00}. All along I thought the account should be paid off as of XX/XX/XXXX. I have called the company and they will not reverse any of the applied interest even though I have stated I will pay the account off immediately. They have advised that " This Time '' the ACH was only taking the minimum payment due each month. I understand that this is partially my fault for not checking my statements. I did not check them as I was under the impression that it was set up exactly the way they set it up the first time. I have spoken to an agent as well as XXXX separate account managers. I have asked to be transferred to their executive office or escalated complaints but they have refused. They did provide me with their corporate address. I am not one to shirk my debts. Since I had done this in the past I was under the assumption it would work exactly the same way which was a breeze. I feel that Synchrony Bank was incredibly deceptive in their practices this time. Again, I take responsibility for not checking and have learned a lesson. But, the fact that they charge 26 % interest is ridiculous and exorbitant to begin with and I would have NEVER charged this amount had I not been under the impression that it would work exactly the way it did the first time and I would not pay interest on it. I did not need to charge this but it sure makes life easier to pay it out monthly instead of having to withdraw from savings. I believe that Synchrony bank should waive the interest charged and allow me to pay the account off immediately due to their deceptive practice with this charge. Thank you for your time.
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| 10/28/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
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SYNCB/OLD NAVY CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.
2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.
4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).
Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. Your company are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
|
| 05/04/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
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|
I used Care Credit Synchrony Bank to charge procedure with XXXX XXXX XXXX XX/XX/2021. I ended up with unacceptable results that still needs additional revision.
Ive have an entire photo album tracking progress ; and have given the issue more than recommended amount of time to see final results.
According to the website there is mention of skin tightening and even the specific quote that the skin is always left tighter than before. My result is the opposite. Skin tightening was not the reason I had this procedure. It was too remove the XXXX for an improved contour ; however, it was definitely not to leave the skin worse and less tight then I started ; especially when skin tightening is promoted as a side benefit.
Im not looking for a perfect outcome. Im looking for a result that leaves me looking better than I started off. The result is not subjective. It is clear Ive been left with a worse issue then I came in. I have pictures and video to prove this.
XXXX after pictures as well still show significant slope of profile not really an improved contour. Ive seen some improvement in the profile after the XXXX XXXX but that is not as result of XXXX. I have appointment now to work with cosmetic consultant to help guide me in next steps so I can have proper revision/correction.
If there is nothing that XXXX believes they can do ; I dont understand why there can not be a internal negotiation on a fair price since I have been left with a worse result that now needs revision procedures to fix. They are u willing to do anything ( opposite of what I was originally advised ) saying they believe I have a great result. I even went back to see another XXXX there per their request and he even said he has not had patients with this result and advised possible things I could look into for additional revision.
Anyone who sees my pictures it is clear I have issue didnt have before. Even if it is not something XXXX can fix ( which they advised they can not ) then why would they not in good conscience work with me to achieve a resonance outcome. I understand I take some of the risk in a cosmetic procedure, I am more than willing to pay the surgical fees etc, but to pay {$6000.00} total to be left with horrible results that needs a revision is not acceptable.
I am attaching a few of probably the hundreds of photos I have taken tracking the progress.
|
| 07/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XXXX of XXXX I had a procedure done at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I was offered a credit for this with XXXX percent for 5 years via Care Credit. I did the math and it came down to about {$300.00} per month which I could afford, so I agreed to it. I was given a paper to sign and no documents to take with me. I received online registration credentials and was using Care Credit app to pay the amounts that were shown in the app as due. First red flag that I've noticed was that my payments were very high at first, but were gradually decreasing month over month. I was never late on payment and in my mind I was paying off a XXXX interest medical loan. I came to find out on XX/XX/XXXX that my care credit was charged deferred interest on purchases of {$9600.00}, bringing my balance owed up to {$19000.00}. The original loan amount was {$18000.00}. At no point in time I have received any communication that the loan had to be paid in full in 2 years and not XXXX. If it was communicated to me, that would mean that my monthly payments would be around {$770.00} and I wouldn't be able to make these payments, therefore wouldn't agree to the procedure or taking this credit. At no point in time I received any reminders about paying off the credit before XXXX of XXXX. I was following the payment plan of Care Credit and in my mind was on time paying off my 5 year loan. But it appears that this plan is designed for a customer to end up owing about 50 % of what they borrowed in XXXX years, bringing me to this scenario. If this was communicated with me, I would've not agreed to it, as my monthly payments would've been more that I could afford. Contacting Care Credit did not bring any result as after hours on hold, I wasn't able to speak to anyone about it. After doing research, I saw that Care Credit was sued and lost in XXXX doing the same practices it is doing today. Also, I was able to find out that someone in similar situation was able to get help from Consumer Financial Protection Bureau. I am not saying that I will not pay the balance owed, but I am willing to pay the balance that I borrowed over the 5 years that was originally advertised. I need help having this interest reversed or pushed and pushed to the originally advertised 5 year. It looks like a fraudulent tactic to get money from the customers by Care Credit.
|
| 07/28/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
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I am Federally Protected Consumer and I have strong reason to believe my consumer rights have been violated. SYNCB/JCPENNEY closed my account in XX/XX/2020 they NEVER SENT ME a Pre Adverse Notice, or NEVER SENT ME a Adverse Action Notice. I have strong reason to believe that they have violated me under the Equal Credit Opportunity Act ( ECOA ). SYNCB/JCPENNEY never informed me of my rights. SYNCB/JCPENNEY has the obligation to correct this action. On XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts in writing including certified mail starting in XXXX. I tried to explain multiple times to SYNCB/JC PENNEY what 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions originate FROM ME THE CONSUMER my signature, my social security number " I EXTEND CREDIT '' and it is my right to operate in commerce. Does SYNCB/JCPENNEY know what happens when penalties for not complying with the ECOA? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. By SYNCB/JCPENNEY closing my account without any lawful or legal notice it appears they denied me extension credit in this transaction they also damaged my credit worthiness, because due to XXXX SCORING closed accounts drop your credit score and you lose time of age on the account that is what happened on my consumer reports I lost very important data points. I never was late, the account was paid in full. I'm just trying to make it clear that I have strong reason to believe under ECOA it appears Violations occurred and something needs to be done about it SYCB/JCPENNEY needs to make this right with me the consumer. And there is no Law that states a " a drop in consumer credit score '' is valid reason to deny or cancel a consumers credit. So they legally, or lawfully can not state that either. I'm asking the CFPB to step in, and enforce, my Consumer Rights. And stop the Violating of Consumer Rights that are going on.
|
| 07/09/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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|
I believe that this company is knowingly cheating and forcing consumers into paying undue interest on purchases that are advertised as 0 % interest financing for periods ranging from 6 to 24 months. I made a purchase in the amount of {$450.00} on XX/XX/2021, for 0 % interest if it is paid off in 6 months ( set to expire on XX/XX/2021 ). I also made two additional purchases under the 6 month 0 % interest agreement for {$100.00}, and {$230.00} I made two large purchases under a 24 month special financing agreement, where I am to pay equal payments for 24 months on each purchase, one for {$1000.00} and the second for {$760.00}. I have made repeated efforts to pay off the small purchases early, before my 6 month grace period ends. However, PayPal Credit continues to apply my early payments to my first 24 month installment loan. There should 20 payments remaining for this purchase, and now there are only 12 remaining, even though I made the purchase this year. The balance on each of the 6 month promotions remains the same, and I am unable to pay them down no matter how much extra money I send them each month. PayPal Credit has promised me on several occasions since XXXX that they will make adjustments to my account, and this has never happened. Now, starting next month, I will owe {$32.00} on my first purchase of {$450.00} - this is interest I should not have to pay, as I have more than kept up my end of the bargain. The following month I will owe yet more interest if this is not resolved. From what I can see, I will have to pay off the remaining balance of {$500.00} on my first 24 month purchase, plus {$130.00}, {$100.00}, and {$230.00} in order to avoid paying interest.
I am certain that this company is taking advantage of consumers who do not know better such as elderly folks, young people, and people who do not monitor their credit card statements. I have an exceptional payment history for all of my accounts and simply intended to pay these small purchases off early to avoid paying interest, as was my agreement with this financial institution. I feel powerless and hope that they will correct this seriously dishonest practice ASAP. Please help. Thank you!
The following payments were made since XXXX : XX/XX/XXXX, {$150.00} ; XX/XX/XXXX ; {$110.00} ; XX/XX/XXXX {$97.00} ; XX/XX/XXXX, {$160.00} ; XX/XX/XXXX, {$100.00} ; XX/XX/XXXX {$100.00}.
|
| 11/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
Every since Synchrony Bank took over PayPal Credit request for payments I make for my PayPal Credit have not been sent to my bank. Matters have only gotten worse during the many hours on the phone over the past few months. Now Synchrony is not requesting payments from my bank for both my PayPal Credit and my PayPal Master Card and have closed both accounts.
The dates and payments are below : I have had more than sufficient funds in my account for each of the payment Synchrony " refunded '' XX/XX/XXXX {$300.00} paid PayPal Credit XX/XX/XXXX {$300.00} " refunded '' PayPal Credit XX/XX/XXXX {$290.00} ( different amount so I could differentiate the two ) PayPal Credit XX/XX/XXXX {$290.00} '' refunded '' PayPal Credit XX/XX/XXXX {$300.00} paid PayPal Master Card ( went through, no problems ) XX/XX/XXXX {$500.00} paid PayPal Credit ( trying to cover both months ) XX/XX/XXXX {$500.00} PayPal Credit '' refunded '' XX/XX/XXXX {$500.00} paid PayPal Credit ( called and was told to wait a couple days ) XX/XX/XXXX {$500.00} PayPal Credit " refunded '' XX/XX/XXXX {$580.00} paid PayPal Credit ( after hours on the phone via consultant ) XX/XX/XXXX {$200.00} paid PayPal Master Card ( went through, no problems ) XX/XX/XXXX {$580.00} PayPal Credit " refunded '' ( regardless of assurance all was well ) XX/XX/XXXX {$580.00} paid PayPal Credit XX/XX/XXXX {$580.00} PayPal Credit refunded XX/XX/XXXX paid {$400.00} PayPal MasterCard XX/XX/XXXX PayPal MasterCard 'refunded '' ( Now the problem is with both accounts ) XX/XX/XXXX paid {$380.00} PayPal MasterCard XX/XX/XXXX paid {$160.00} PayPal Credit XX/XX/XXXX {$380.00} PayPal MasterCard `` refunded '' XX/XX/XXXX {$160.00} PayPal Credit `` refunded '' XX/XX/XXXX paid {$380.00} PayPal MasterCard XX/XX/XXXX paid {$380.00} PayPal Credit via telephone XX/XX/XXXX {$380.00} PayPal MasterCard `` refunded '' The XX/XX/XXXX payment has been deducted from my checking account but is not reflected on my PayPal account.
XX/XX/XXXX received letter stating my account was closed for " dishonored payments '' We have other accounts with Synchrony that we have no issues with. We have had these accounts for at least four years with no issues until Synchrony and PayPal merged. Something in their system is wrong. Receiving bot replies to my numerous emails and customer service refusing to actually investigate and correct the matter.
|
| 04/06/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
hi, My problem started the moment I opened this account, XXXX or XXXX of XXXX. I never received mail in paper bill form. i would get online bill to know what i am to pay and never the bill descriptions. I would pay the bill as expected between the XXXX and the XXXX of the month. That's because, am on a fixed income. I get my pension check between the XXXX and XXXX of the month. It depends on what weekday the XXXX and XXXX fell on. The week of XX/XX/XXXX, I decided to open a online account with Walmart to see why my bill wasn't going down especially when i pay it and I didnt use the card a lot. To my surprise, I realize Walmart Symphony card was charging me $ XXXX late fees for each month since I opened account for 13 months. They said my payment had to be received by the XXXX of the month. I called to have the date changed and was told that could not be done. I asked to change it to the XXXX or the XXXX of the month. They could not accommodate me. Today, XX/XX/XXXX I call Walmart credit department and spoke the representative XXXX, and again he said he could not change my due date. When I asked to speak to a supervisor, screaming, i spoke to Mgr. XXXX and she changed the due date to the XXXX of the month, plus removed 3 of the current late fees. I had asked her to remove all of them, and she could only do 3. As of XXXX, I will be charged another late fee of {$38.00}. My complaint is I want all the late fees removed because I can't afford to pay it. I have paid {$1000.00} on my bill since XX/XX/XXXX to XX/XX/XXXX. The late fees total {$430.00}. I want all these late fees removed from my account. I am late only because its a bill date they choose for me which do not accommodate me. I do not have the money to pay by the XXXX and when I asked to have the due date changed, I was told they couldn't. It wasn't until i insisted on a supervisor who was able to change the date. The rep XXXX said he couldn't. Which is a lie, and another way to rob me. That's what Walmart did. They robbed of {$430.00} in late fees and I want my money back. And if I don't get my late fees dropped and my credit report exonerating my pay history, you can close my card. When you check my payments, they are always between the XXXX of the month. i pay my bill on time on the due date i have the money to pay. Please drop all the late fees. that is what i want. thank you!
|
| 02/11/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This is now the 2nd time dealing with XXXX Store Card and the same payment allocation issues.
The XXXX Store Card has promotional financing which offers 0 % interest for 6 months if paid in full within 6 months on purchases over XXXX . I made several purchases less that {$150.00} which are non promotional and subject to interest. On the XXXX Store card payment site, a user can select to have payments allocated to NON-promotional balances first ( option 3 below ). This was also not during a billing period in which a deferred interest promotion expires, so the note in option 3 did not apply. I choose this setting in order to pay off NON-promotional balances first so I will not be charged interest. After reviewing my account, I see that XXXX has allocated my payment to promotional balances and left the NON-promotional balances still applied. This is FRAUD! If I was not vigilant with my account, I would have been charged interest. This is now the 2nd time this has happened and I have had to deal with customer service for hours to try and have my payment allocated correctly.
1. Standard Allocation : Payment received in excess of minimum payment amount due will be applied to non-promotional balances before deferred interest promotional balances except in the last two months of a deferred interest promotion. In the last two months of a deferred interest promotion, the payment amount in excess of the minimum payment due will be applied to the deferred interest promotion ( s ) that are in the month of expiration and/or the month prior to expiration.
2. Allocate Payment to Deferred Interest Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the deferred interest promotional balance before the non-promotional balance.
3. Allocate Payment to Non-Promotional Balances First : Any payment you make ( including the required minimum payment due and any additional amounts XXXX will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account.
|
| 12/11/2023 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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I received a letter from Synchrony Bank in which they stated I was already given a refund of XXXX dollars but I explained to the representated that credit was because of service, delivery, and production issues the manager at Lowe 's credit me nothing to do with the return of service. I do not think this representative did their job right and the credit card did not contact Lowe 's to see why I was not given a refund. Lowe 's works with this bank but they do not seen honest and willing to help understand why I never got a refund for my purchase or why the 12 months zero percent interest did not go through.
Here is the background : This complaint is against Lowe 's Home Improvement store XXXX in XXXX IL. On XX/XX/XXXX, I had a XXXX XXXX delivered and when that was installed it started leaking water during the first test washer the installer had set up. I called up the installer and lowe 's and the installer came back the same day and wrote a report. Spoke with Sales Rep XXXX about this and did created a work order. I went back and purchased another dishwasher to replace the XXXX XXXX XXXX. I purchased a XXXX XXXX on Saturday XX/XX/2023 from XXXX XXXX and it got delivered on XX/XX/XXXX, but they did take the old dishwasher. The installer came on XX/XX/XXXX at around XXXX to XXXX XXXX came in to pick up and install the new XXXX XXXX I called the Lowe 's department store and spoke with the manager XXXX ( different than the installer ) I explained all the trouble and miscommunication because the story goes into more detail. XXXX gives me a credit of {$300.00} for all the issues and problems. XXXX XXXX was supposed to credit me back for the defective XXXX and until XX/XX/XXXX he has not. I called Lowe 's twice in the last month and no call back or credit from any Lowe 's manager or the Sales Rep. I am owed a refund {$1000.00}, taxes, and installation cost of {$250.00}. In addition, XXXX XXXX promised and said he would call to get my zero percent interest for 12 months. As of today, I do not see it on my statement. I told him twice and the manager XXXX too. This has been the worst experience I have ever received for any store purchase. Lowe 's rep and 3rd party affiliates took the defective dishwasher and no credit. I am concerned it might have been stolen or misplaced. I have text message screenshot and witnesses to everything that happened.
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| 06/08/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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I had a 0 % interest credit card for XXXX XXXX XXXX XXXX through Synchrony bank. I missed 1 payment in XXXX of XXXX. I was sent an email, called and at Synchrony 's suggestion and direction enrolled in automatic payment to pay the amount by the end of the promotion period.
I would receive periodic ( quarterly statements ). I received a statement in XX/XX/XXXX and one again in XXXX of XXXX. The XX/XX/XXXX statement had triple the balance. It took several days to access my account ( the server was having difficulties and try back later ) and find out they had started to charge interest and fees as the promotion period was over. At no time between XX/XX/XXXX and XX/XX/XXXX did I receive any notice or additional statements to indicate the promotional period was over and resolve any outstanding balance.
I immediately paid the original balance and began calling Synchrony to resolve. Synchrony 's only customer service are representatives who sad they could not do anything past 30 days. I received a multitude of misinformation from customer service over the next several weeks and calls that included lying about management structure, call backs and even telling me that forgiveness after 30 days was an SEC violation.
I was then contacted by a customer representative who did not initially respond to my follow-up, played phone tag for several weeks and then she did not respond as she was out with a sick child. I finally was able to contact her in a last ditch attempt to resolve.
I told her that the auto-payment was set up as a result of direction from call in XX/XX/XXXX. She said she had to review the call. She called back and said no matter what the term of the promotion period is over and they won't do anything. I specifically requested details of the call and she refused to provide. I asked her to review the previous months calls to customer service and the plethora of misinformation. She refused saying she needed exact dates. Note she did not need an exact date to review the XX/XX/XXXX call ; I suspect she did not and that is another lie.
I now have XXXX of dollars in interest and fees that are still accruing. When provided with appropriate information I have been diligent about paying what I owe and contacting Synchrony. Synchrony 's entire system is designed to provide no or false information to defraud consumers of interest and fees.
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| 07/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Servicemember |
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Previously held a CareCredit account, but the account was closed due to inactivity. Applied for a new CareCredit account, as a dental procedure was scheduled within 4 days. After applying was instructed to contact via telephone. Contacted via phone and was advised to visit XXXX to verify my identity via biometrics. At no point was I informed that the application was denied or might've been denied prior to conducting the identity verification. At the time was uncomfortable providing biometric information, but proceeded with the process after speaking with someone who informed me of the length of time it would take to complete the process via mail. Upon completion of the on-line identity verification process, was informed that I would receive a letter in the mail in 7-10 business days. No further information was provided. Given that I had just uploaded photo documentation including my driver 's license and license bar code, I was dissatisfied with the response provided online. Only after I called back, was I informed that my application was denied. No further information was provided related to the adverse action. My complaint centers around the fact that, given the company already pulled my credit report and obtained information related to my application, said company should have had sufficient information to make the denial decision prior to the requirement to complete the identification process. Given that I am not aware of the reason for the decline, I am not filing this complaint because my application was declined, but because of the cumbersomeness of the process for the identification and the vagueness related to how the company uses the biometric information provided to them. Had I been an older individual or possibly an individual with XXXX, how would the company have accommodated me if I had not had access to the verification website? Given the other verification method... waiting for documents to be mailed or obtaining the documents via email, then printing said documents, then having the documents notarized, I'm not sure how accessible the credit product is, especially given it was going to be used for a dental procedure, which typically isn't something that is planned in advance. Disclosure should be provided to an applicant that going through the verification process may still result in the denial of the credit application.
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| 03/23/2016 |
Yes |
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Web |
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I was completely duped by Synchrony Financial ( www.synchronyfinancial.com ; XXXX : SYF ) which was spun out from GE ( XXXX ). This company claims its roots in helping American 's purchase GE appliances in the Great Depression. What a joke!
The story is that I purchased some sports equipment ( {$7500.00} ) for my rehabilitation from XXXX XXXX using what I understood to be a 0 % finance credit account for 18 months after which point I would then start to incur finance charges ( if not paid in full ). That 's perfectly acceptable to me, but XXXX things happened, ( 1 ) They charged me for all past interest on the card ( {$2600.00} ), and ( 2 ) the interest charge was a mind boggling 29.99 % APR. Outrageous! The sales person advertising the option at the time, sold it as why not take the credit, its basically free and then you just pay it off. I was shocked that such a thing could actually happen.
Talking to their customer service of course be me online with call center in XXXX speaking with people that could only manage to recite company script. Given the accuracy and eloquence of the description I 'm quite sure that they have it printed out as part of the call center representative training. I think this really vilifies Synchrony, i.e. as a call center representative going to get numerous calls from angry people when we nail them with the steal their money interest charge, here 's what your read to them.
I 'm sure they covered themselves in fine print legalese or perhaps it was lost in translation when GE spun out Synchrony, but I never received a call or any formal written notice that I was about to be charged nearly XXXX % of the amount I borrowed. One would think that your about to be charge {$2600.00} warrants at least a call to the home or a written notice.
I basically assumed since I was then dealing with GE ( at the time ) that I was dealing with a company with 100+ years of integrity and strong reputation. Bad Assumption. It is the modern era, so I set up auto-pay to insure timely payment of my debt and I also set up paperless statements to be a good planet citizen. My bad.
I 'm disgusted more with myself at being fooled, than with Synchrony who obviously know how to play the game in taking advantage of people.
I filed this complaint to maybe help others from being fooled by Synchrony.
They win again, buyer beware.
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| 05/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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I applied for a XXXX XXXX credit card account issued through Synchrony Bank in on or around mid 2020 ( XXXX or XXXX, as soon as it became available and rolled out as it is a new credit card from XXXX entering the market ). On XXXX an auto payment was sent to debit my bank account for a payment of {$2300.00}. This payment did not have sufficient funds and returned. The bank waived the fee, I chatted with XXXX ( from what I can recall, I was not sent a transcript for this conversation but I remember chatting with them ), All was well, just the pay days did not align and it was around holiday season. Fast forward to XXXX : I made an online one time payment of {$2000.00}, where I considered paying only {$1600.00} but needed to pay more. I decided to pay more, but did not transfer the remaining funds over to our new account that we were using exclusively for bills to alter and separate our bills from spending. This very real human error has resulted in XXXX by Synchrony to close the account without notice. This is a violation of UDAAP as this was deceptive. This policy strictly based on a business decision states that after two return payments within a designated time frame the account will be closed. This account reported as closed due to settled or inactive, which is neither the case. This policy is not disclosed on my monthly statement OR the statement disclosures, nor was it advised at the time of the chat. Had this been advised I would have practiced EXCESSIVE caution and as a result my credit is severely impacted and an account that is heavily used and paid in full typically is now closed. Synchrony failed to advise and fully disclose this policy. If this policy is listed to the terms of the card, there is no way for me to reference or find it directly linked to my online account portal. The card was applied for online and received in the mail. I do recall reading the full terms and being aware of the fees for the returned items. Full payment was made to rectify both instances of returned payments, and I have almost a decade long history with Synchrony and have never heard of such a policy. I would Synchrony to make this policy better known to its card holders as this closure has significantly impacted an impending mortgage loan process and I am very concerned and worried for my credit lending future due to the actions of Synchrony.
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| 04/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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This company repeatedly " holds '' payments in limbo without giving consumer credit for the payments they've made, even after he company acknolwedges the receipt of the payment AND it has cleared the bank, for WEEKS.
I have a {$5000.00} credit limit. I paid off my balance in early XXXX. Care Credit shows the payment was received by them on XX/XX/2022. The payment cleared my bank on XX/XX/2022. However, Care Credit has not given me credit for the {$1000.00} payment that cleared my bank XX/XX/2022. When I call they state that because it's a large amount, or because I made multiple payments during the billing cycle, they have to wait for it to clear my bank- it has cleared! They just refuse to give credit for it. This happens every month where it takes weeks for them to give me credit for my payments.
I tried resolving directly with the company but the customer service reps seem unable to provide any info other than reading from a list of reasons why payments are not credited - even though there is a XXXX balance and they confirm receipt of the payment. When asking to speak to a supervisor or manager, I am transferred to a location where I am on hold for 40+ minutes without anyone ever picking up the line.
Care Credit accepts payments from their customers, acknolwedges those payments, but repeatedly " holds '' the funds so that consumers are not able to take advantage of a XXXX balance and their full credit limit. After repeated attempts to get a supervisor on the line, I was finally able to speak with " XXXX. '' She reports that the company holds every large payment for 10 days to ensure it clears the bank. The funds have cleared. They cleared over a week ago. I believe this company is unlawfully denying consumer the benefit of their payments so that it can benefit from the funds sitting in their account while denying consumers access to the credit they've been given. In essense, holding funds in an account to accrue interest while denying customers access to their credit.
As you can see from following attachments, as of this afternoon, XX/XX/2022, Care Credit still has not credited the payment I made on XX/XX/XXXX or XXXX, that Care Credit received on XX/XX/2022, and that cleared my bank on XX/XX/2022. 8 days after clearing my bank, I am still only given access to a credit amount less that {$1000.00} payment made 10+ days ago.
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| 03/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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In spring 2014, I applied, and was approved, for the credit card offered by XXXX XXXX. I made a purchase and used the website to pay. I made another purchase not long after. I went online and submitted payment, just as I had before.
However, a few days later, I went online to check my bank statement and the payment to XXXX XXXX had disappeared : it hadn't processed through. I called my bank. They recommended I reach out to XXXX XXXX.
XXXX XXXX told me that my bank, with whom I had had an active account in good standing for over 9 years, had told them that the account information I had provided them with was incorrect. What the customer service representative said was that they had, in layman 's terms, been told my account didn't exist.
For over a month, we went back and forth. I offered to pay with my debit card, but as it was associated with the checking account I had tried to use before, they said I couldn't do that. My mother offered to pay for me, as did my fiance. They refused.
I now owe them upwards of {$500.00}. The original tab was approximately {$40.00}. I told them, the moment it became clear they were never going to let me pay, I told them to close the account. I never used the card after the second purchase. I can't fathom the interest rate that takes {$40.00} up to {$500.00} in 6 months, especially after I told them to close my account.
I took some time away from the situation, as I was moving. Throughout the months between the time I told XXXX to close the account and today, I and my fiance ( who has power of attorney ) have made dozens of calls to the bank and made no headway. They absolutely refuse to take less than {$150.00}, which is over a fifth of my monthly income and more than triple the initial purchase.
I don't believe I owe them this because they refused all of my attempts to pay my bill and also refused to close an account that wasn't in use, thereby driving the interest sky-high.
My credit is XXXX, and some of it is student loan debt, which I am repaying, but a lot of it is this theft. I am XXXX and my income is limited to what the government has deemed my life should cost monthly. If my car needs repairs, or replacement ( yikes! ), if I need new shoes, if rent goes up, or something happens to my fiance 's job, I can't cover it unless I have the money in my hand.
I want My credit score back.
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| 03/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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On XX/XX/XXXX, I closed my Paypal Mastercard because the interest rate was too high. On my XX/XX/XXXX statement, the APR was 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ) and so I assumed, because I already closed my account, the APR would remain at 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ). I was not concerned about my current APR from transactions after XX/XX/XXXX because I had a XXXX balance at this point. Upon reviewing my most recent statement from XX/XX/XXXX, I noticed my APR was 28.24 % ( for " Transactions on or before XX/XX/XXXX '' ). I never received a letter or any type of correspondence regarding my APR was to be increased. Therefore, on XX/XX/XXXX at XXXX, I called Paypal Mastercard at XXXX and spoke with XXXX . I asked her about why my interest rate was so high compared to my previous statements. She replied that my interest rate is 25.24 % and that she didn't see it as 28.24 %. Then, I told her I was talking about the interest rate for " Transactions on or before XX/XX/XXXX. '' She then responded the same way - that my interest rate is 25.24 % and she didn't see 28.24 % anywhere. I told her that needs to be fixed because I felt the company was trying to deceive me.
I have attached statements from XX/XX/XXXX to XX/XX/XXXX with " Transactions on or before XX/XX/XXXX '' highlighted in orange. Below the above phrase is " Regular purchases '' which I also highlighted in orange. I also highlighted the corresponding " APR '', " Balance Subject to Interest Rate '', and " Interest Charge '' that I am concerned about. I attached XX/XX/XXXX and XX/XX/XXXX for comparison 's sake, but the XX/XX/XXXX to XX/XX/XXXX statements are primarily my concern.
XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 27.49 %. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.74 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.99 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 28.24 %. Again, I never received a letter stating my APR was to be increased.
I do understand my APR is a " variable rate '' but I had already closed my account. I also have other credit cards where the APR is a " variable rate '' but they don't fluctuate.
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| 02/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Older American |
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XXXX what I just posted on XXXX : PLEASE READ AND SHARE THIS POST : SYNCHONY BANK is a vile corporation and a predatory lender of the ugliest kind.
Yesterday they closed every store card I had with their bank. There had been no issues with payment. And I only learned of what was unfolding when I got a notice that my credit score had taken a deep dive. I lost {$30000.00} in valuable credit that had been available to me.
Heres my story : I dont know why the accounts were closed except SYNCHRONY had an issue with one account. They decided suddenly that all my accounts were high risk and closed them all. I dont know what the issue was.
They informed me that I was sent a letter about the issue but I never received it.
I dont know whether the letter they was warning me or just notifying me of the closing of my nine accounts. Customer service couldnt access the letter but I was told they would mail me another copy. ( Since the Post Office has been crippled by the previous administration, who knows when or whether I will receive the letter. ) One account that I will really miss is my LOWES card, which had a high limit of which I had never taken full advantage. However I just purchased a house and was counting on my Lowes credit to help me fix it up.
I worry that other banks will do the same shortly. And I would like anyone who has an account with SYNCHRONY BANK to CLOSE IT NOW. Better on your credit report that you close it than the bank does.
By the way, I have heard recently that many of my coworkers have had their credit limits drastically lowered recently. But their stories do not compare to mine.
I intend to complain to the XXXX XXXX XXXX and the federal Consumer Financial Protection Bureau. Please do the same if you have had a similar disastrous event.
AGAIN, PLEASE SHARE THIS POST AND ADD YOU STORY IF YOU HAVE HAD A SIMILAR CRUEL EXPERIENCE WITH SYNCHRONY or any other bank.
P.S. If a consumer journalist happens upon this post, PLEASE INVESTIGATE.
My email is XXXX. My cell phone number is XXXX. Thanks for your help.
This complaint involves multiple accounts. Here are the names and numbers of the other accounts : TJX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sams Club XXXX XXXX XXXX XXXX Amazon.com Store Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Care Credit Ends in XXXX
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| 02/09/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Servicemember |
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I had a motorcycle financed through Synchrony Bank. When I decided to sell it, I listed it on XXXX and XXXX. A man contacted me wanting to purchase the bike and meet him 4 hours away for him to pick it up. He wanted me to give him our bank account info so he could deposit money into it. Of course, I said no. He then suggested a direct transfer from his bank to my financing bank to pay it off. We agreed and the transaction was completed. I spoke with the representative for the bank who said the account was paid off and the transfer was " instant ''. Knowing that this whole thing sounded fishy, I called multiple times following the transaction to verify the account remained paid in full. Two days later, my wife and I drove 4 hours to meet the man in XXXX. I called to verify again, and received the message, '' Congratulations! Your account has been paid in full. '' XXXX before we left to deliver the bike and immediately before handing it over to the buyer. We met in a large public place with surveillance cameras to make the transaction. He signed the bill of sale and we were XXXX on our way. I called to be sure he made it back safely and he did n't answer. Two days later I tried to call again and his phone had been disconnected. Suspicious, I called the bank who informed me that the bank account the man transferred the money from had never existed. I was charged a {$40.00} fee and still owed the full balance on my motorcycle. I was informed that the transaction was not an instant transfer, but instead an electronic check which, like paper checks, require a waiting period. Why was I not informed of this? I took every measure I knew to take to protect myself. We rely on the banks to help us stay informed as they are continuously seeing new forms of fraud. I am very disappointed in the misinformation that I received. I have filed a police report, which did not lead to any recovery but did get the motorcycle listed as stolen a few weeks after the incident. I 've filed a claim with our insurance company, who will not cover it as stolen since there is a clause in the policy stating they wo n't cover any intent to sell transaction and they consider it fraud. We have also spoken to the bank many times, who says it 's not considered fraud to them because our account was n't fraudulently accessed. Is there anyone looking out for the consumer?
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| 04/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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XX/XX/2023 I purchased an XXXX XXXX XXXX receiver from XXXX for {$270.00} and paid for the item on my PayPal Credit account and received the item on Friday XX/XX/2023. I setup the receiver and begin the installation process. Almost immediately I encountered a installation software problem which caused the software to go into a software loop. I was able to find a work around this issue. I contacted the seller and informed them of this issue. I was able to continue the installation process which continued over into the weekend and ran into other non-functional operational issues which displayed Coming Soon. On Sunday XX/XX/2023 I decided to return the item for a refund due to the number of non-operational issues. I drafted a note Exhibit 1 regarding the return. I called and left a voicemail for the XXXX support people regarding the return and informed them I had contacted PayPal and filed a dispute. **Regarding this dispute from PayPal , part of the process was to select a category that identified the problem with the item being returned. There was only ONE selection available that came CLOSE to identifying the issues with the item, that was Product Not As Described. Not exactly the truth however, the closest. The item did perform minimally.
On XX/XX/2023 I received a RMA USPS sticker for the return item and I affixed it and immediately took the package to the Post Office and waited for delivery to the seller USPS receipt and Tracking report attached Exhibit 2. The item was received by the seller at their office on XX/XX/2023 at XXXX.
The seller convinced me that my decision to go the PayPal dispute route was a mistake, also adding 60-75 days to the process, coupled with the fact that they immediately sent out the RMA sticker for return convinced me to close the PayPal dispute , which I did. The seller got his money from XXXX/PayPal. After that when I contacted PayPal or the seller all I heard was {$15.00} charge deducted, or XXXX or PayPal wont release monies because I had to file a 2nd dispute to get money back.
Summary : The seller received the item back on XX/XX/2023 in perfect condition. The seller has the {$270.00} I paid for the item. PayPal or XXXX, Im told wont release my money. I have tons of documentation to validate all my claims. If you need anything documentation wise, please let me know. Thank you, XXXX XXXX XXXX
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| 08/23/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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In XXXX of XXXX I purchased a bed from XXXX XXXX through their Synchrony credit line. I immediately paid my account off whenever I utilized. Initially we were having problems with them sending the bill to the correct address after updating it with them on several occasions. Recently, I wanted o take advantage of another one of XXXX XXXX sales and contacted XXXX of the sales representatives that always helps me in my purchases. When the representative went to make the purchase he discovered that my limit had been decreased without me being notified. It was my understanding that I had the same limit since I opened the account. When we tried to speak to Synchrony in reference to this matter they stated that they were merchant services and I would need to speak directly to a customer service representative. In speaking to this representative, I was told that they would have to run my credit again for an increase. The representative also could not tell me if it would be a soft pull of credit or hard pull. They just kept saying that they had to rerun my credit. So, I am now concerned because I again was not made aware of a credit decrease and my understanding is my limit was the same. I have used my card when needed and have not had problems before. What truly has taken me aback is my account being in good standing and the unknown decrease in credit. I have not received any information that speaks to a decrease, let alone have I received a bill from them since my account has been paid in full for some time. When I tried to increase the limit back to the original amount that I was approved for I was denied. I asked the representative to lose my account because there was no use for an account that I could not utilize to pay for the goods that I wanted to purchase. Again, I just purchased multiple things from XXXX XXXX prior to today XX/XX/XXXX. I as a consumer should not have this inquiry go against my credit when I was initially told that I had a certain line of credit and paid the account in full before any payment was due. Synchrony is tarnishing the positive relationships that XXXX XXXX has with those consumers who are repeat customers who have paid their account balances in full. Please note that the XXXX XXXX representatives are the reason my family continues to come back. We have been loyal customers with XXXX XXXX over 20 years.
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| 01/29/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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Round about XX/XX/XXXX/XX/XX/XXXX I noticed that my Synchrony Bank / Amazon credit card statement was too high and upon inspection noticed I had late fees and interest incurred for a balance that should not have existed. My credit limit set by Amazon is {$100.00}. So I rarely use the card except for small items. The balance was {$130.00}, above my spend limit. I call Synchrony to complain and inquire. What we discovered was that Amazon PRIME had been auto billing me for an account that I did not sign up for. I complained to Synchrony at this time that these were unauthorized. Their response to me was I had to take it up with PRIME. They could not address these. That is confusing as they allowed the charges and should be protecting my account for me. Nonetheless I demanded the account be closed or frozen until I could get the charges resolved. I made attempts to contact PRIME over a 3 month period before they responded to me. During that time Synchrony continued to add late fees and charges to my account while I was disputing the very same charges causing those fees and interest. In month 4 or 5 Prime cancelled the membership and reversed only 3 months of fees. I have had similar issues with other credit cards where the bank assisted in the recovery. I was in this alone. Around XX/XX/XXXX in several calls with Synchrony I was disputing the balance which was now in excess of {$230.00}. That it was all fees and interest created by the fraudulent PRIME membership fees. I demanded a manager to look at th eaccount and listen to the calls where I demanded the account frozen or closed. I even agreed to pay the original balance after the PRIME charges were corrected to close it. They denied the offer and would not comply. I received a {$1.00} refund from Synchrony which was an insult. They continued to call daily during XXXX, XXXX and into XX/XX/XXXX. I take 1 call every 2 weeks and ask the agent to please listen to the call logs and have a manager address the request back in XXXX/XXXX to freeze or close the account because of the fraudulent PRIME charges. They will not comply. They have now jacked the credit card account with the {$100.00} limit to over {$320.00} in fees and charges from the original balance that was complained about. I continue to offer settlement for he original balance after I resolved the PRIME issue and hey refuse.
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| 08/14/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Unexpected increase in interest rate
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Web |
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Subject : Complaint Regarding Synchrony XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally file a complaint against Synchrony XXXX concerning my credit card account with account number XXXX XXXX XXXX XXXX. Despite my efforts to address this matter with Synchrony XXXX 's customer service, I have not received a satisfactory resolution.
Account Information : - Account Holder 's Name : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Promotion Start Date : XXXX - Promotion Expiration Date : XXXX Description of the Issue : On XX/XX/2022, I enrolled in a promotional deferred interest charges credit card offer with Synchrony XXXX for a one-year period. The initial purchase amount was {$2100.00}. I promptly set up auto-pay with the intention of making payments on time throughout the promotional period. Despite my diligence in ensuring timely payments, I did not receive any statements via email or regular mail.
I had made an extra payment of {$1000.00} in XX/XX/2022 to expedite the repayment process. Shockingly, I realized that I had missed the promotional period and was charged an additional {$530.00} on top of the remaining balance. This oversight was primarily due to my inability to access statements through any means. I did not receive statements during the promotional period via email, or mail. The company insists they did send the statements to the address on file, which is my current address, but I insist I did not receive the statements via mail or email. I've never had any situation like this with any creditor. I am saying the true, I am being 100 % honest, I did not receive any statements in any way.
Supporting Documentation : I have attached multiple screenshots as evidence, showing that I was unable to access any statements online either. Additionally, I can provide further correspondence and documentation upon request to support my claim.
Conclusion : I appreciate the Consumer Financial Protection Bureau 's commitment to ensuring consumer protection and fair practices. Kindly review the evidence provided and use your expertise to mediate this matter, allowing for a just resolution.
Please feel free to contact me at XXXX or XXXX for any additional information, clarification, or evidence you might require.
Thank you for your time and attention to this issue.
Sincerely, XXXX XXXX
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| 07/18/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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I have previous filed a complaint against XXXX XXXX- I had insurance on all of my store credit cards with this bank. I had to used the protection plus insurance on my credit cards due to being sick. This company cancelled or terminated my protection plus insurance and accused me of fraud. This is totally unfair practice on their behalf. I had file an insurance claim due to XXXX, my doctor , Dr XXXX was terminated during the time I had an active insurance claim with this protection plus program, and all of this doctors patients was sent or placed with other physicians in the area. I was assigned to Dr XXXX in XXXX, Arkansas. I explained to my new physician that I had an open claim with XXXX XXXX/ XXXX XXXX XXXX and needed her to fill out the necessary paperwork to get my claim processed. Dr XXXX had a copy of most of my Medical records from Dr XXXX and filled out necessary forms for card security. At that time I was accused of fraudulent claim. And I was terminated from the program. As my medical condition became more advanced I contacted XXXX XXXX to find out what options I had on reducing my monthly payments. XXXX XXXX closed most of my store cards and reduced the credit limit on all of the other store cards that I hold from their bank. The customer service representative from XXXX XXXX, never told me a date that my payment would be due on. Ive contacted XXXX XXXX numerous of times to find out my due date on credit card payments and the customer service representative gave me several dates to pay my cards on. I am totally confused. XXXX XXXX retaliated on me because I file a previous complaint on them and now ever month they are sending in to credit bureaus that I am 30 days late, this is totally wrong and they should be sued. XXXX XXXX refused to send me out a statement of my due dates. They have blocked my on-line access and telephone so I cant pay my bill. I have never been late with this company since I had become a customer until the customer service decided to give me false information on payment dates. After XXXX XXXX found out I had XXXX, I was terminated from XXXX XXXX and they are reporting my payments late to credit bureaus every month. XXXX XXXX also reduced the credit limits on my credit cards because my credit score dropped due to XXXX XXXX reported false information saying my credit card payments were late.
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| 07/30/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Sent card you never applied for
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Web |
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On XX/XX/XXXX I XXXX XXXX XXXX XX/XX/XXXX made an appointment at my home address with 5 Star Sales Representative XXXX XXXX XXXX. On this day he prepared a written estimate for a new roof on my home at the same address. This written estimate was for a complete job valued at approximately {$7700.00}. At the same time XXXX XXXX put me in contact via phone with XXXX XXXX Sales Manager XXXX. XXXX XXXX informed me that I was qualified for a loan. She stated that she would send me an email with financial paperwork, which she did. This paperwork was to be sent back to her via fax. She stated to me on the phone and in the email, that she would follow up with me the next day. This would be a phone call to discuss which loans I qualified for and repayment interest. At no time did XXXX XXXX mention a credit card. She Never called back to discuss any financial matters Nor did I ever return any financial paperwork to her office.
I looked at my credit report on XX/XX/XXXX and was shocked to see a credit card in my name from Synchrony Financial. I, XXXX XXXX XXXX, never applied for this credit card. I have never received a booklet from Synchrony Financial bank regarding interest or repayment information. I never received a credit card agreement from XXXX XXXX or Synchrony Financial.
I did not her from XXXX again until XX/XX/XXXX asking me if I was ready to schedule a time for the roof to be installed. At this time I informed XXXX XXXX that she applied for a credit card in my name without my knowledge when I was inquiring about a loan. I never retuned any paperwork to her office, nor did I ask for a credit card. XXXX XXXX never followed up with me regarding a signature page to open any line of credit ; loan or otherwise. I never received an interest quote.
5 Star and XXXX XXXX opened this credit card account in my name without my knowledge, which is fraud at the very least 5 Star misrepresented financial services.
I closed this account on XX/XX/XXXX.
I started a fraud investigation on XX/XX/XXXX.
I am requesting this account be removed from ALL of my credit reports because I had no knowledge of it prior to its opening, nor did I personally agree or apply for this card.
I, XXXX XXXX XXXX, did not open an account with Synchrony Financial.
I, XXXX XXXX XXXX, had no knowledge of this account prior to me receiving the credit card in the mail.
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| 01/24/2024 |
Yes |
- Credit card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
Older American |
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Purchase made XX/XX/XXXX at Value City XXXX financed through Synchrony Bank ( SB ). Terms were 36 equal monthly payments of {$180.00} with no interest if paid in full by XX/XX/XXXX. Payments made each and every month well before the due dates. SB statement closing date XX/XX/XXXX shows XX/XX/XXXX payment ( due XX/XX/XXXX ). SB statement closing date XX/XX/XXXX shows XX/XX/XXXX payment ( due XX/XX/XXXX ) and XX/XX/XXXX payment ( due XX/XX/XXXX ). SB statement closing date XX/XX/XXXX shows no payment for the one due XX/XX/XXXX because it already showed on SB closing date XX/XX/XXXX. SB imposed late fee of {$30.00} and showed two payments due. My letter to SB dated XX/XX/XXXX protested the late fee because my payment was not late. SB form letter in response simply explained that fees that may be assessed appeared on the back of each statement. SB statement closing date XX/XX/XXXX shows payments made XX/XX/XXXX ( due XX/XX/XXXX ) and duplicate payment made XX/XX/XXXX. ( I had adjusted automatic payments to SB for this account so that they would not be posted on the closing date and inadvertently sent the duplicate payment. ) This statement also shows an additional late fee of {$41.00} plus {$2.00} interest on " 'purchases '' -- no additional purchases have been made. My letter to SB dated XX/XX/XXXX again protested the imposition of the late fee and noted that I had not received a response to my XX/XX/XXXX letter. SB then sent a letter on XX/XX/XXXX stating that " after review '' the {$30.00} late fee would be credited to my account. SB statement closing date XX/XX/XXXX shows the late fee being credited on XX/XX/XXXX and payment made XX/XX/XXXX ( due XX/XX/XXXX ). It also imposed a new late fee of {$41.00} plus {$2.00} interest on purchases -- no additional purchases have been made. SB statement closing date XX/XX/XXXX shows payment made XX/XX/XXXX ( due XX/XX/XXXX ) a refund of a late fee of {$41.00} plus a new late fee of {$41.00} and interest on purchases of {$2.00} -- no additional purchases have been made. We have received nearly daily automatic text messages and emails about our account being past due. The payments have regularly been made in advance of the due date. I believe SB 's practices are inappropriate and the imposition of late fees and interest has been unwarranted. I have not been able to resolve this dispute.
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| 02/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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i got a XXXX XXXX from XXXX site which is issued by Synchrony Bank. In XXXX I made a purchase ( car tires ) which I was tricked by the company representative before purchase and after purchase. Later on I learned tires were not what the company had advertised for sale. It, lacked safe quality for the use and as a Sr. Citizen I was tricked step XXXX step until I finally confirmed with a XXXX ( federal government sfety ) that tires I had put on my car were not good products and were not what i was advertised or promised it was so I keep them. I was tricked. I gathered all info XXXX my purchase including whole lot of complaints about other customer 's posting on how this company tricks people on XXXX to sell their items to XXXX and then to the credit card company.
The tire company has been a long term merchant with XXXX and pays a lot of money for their transaction to XXXX so XXXX has no intention to take side with tones of customers whom have filed a complaint with theem about this tire company. Since XX/XX/2022 to date, twice the credit company found in my favor and said " case is now closed '' and my accout would be credited for {$230.00} or so. Each time within a few weeks, they came back and charged my account again saying the merchant disputed their decision. The second time, I even sent more stuff and after review the card comapny found in my favor and closed the case in my favor. Yet again they reopened it again. I contacted the card company. The agent told me, merchant does not want to give the money back! I told her, I believed that when a case is closed, decision is final and merchant had to obey credit company 's decision. She said : I do not know they dont want to give money back. Well, the card XXXX has to do their part, and return my money. The merchant claimed that I needed not only returned the tires back to them ( after they had tricked me to keep tires on my car which cost {$75.00} to put them on and they were not XXXX XXXX XXXX XXXX tires, but they they had to be in the XXXX condition as day of shipment ). I want the credit card company NOT to take side with this big merchant who gives $ $ $ $ $ $ $ $ $ $ money to XXXX and XXXX credit card XXXX and honor that a merchant who cheats on merchant by selling less than satisfactory and poor quality merchendise should not beneffit from cheating consumers.
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| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requi-site compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all de-rogatory and adversary items from any and all alleged claims still yet unproven to be true, cor-rect, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX XXXX reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the afore-mentioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of re-sponsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are un-doubtedly mandated in your obligation to obey
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| 05/22/2015 |
Yes |
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Web |
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I have a JC Penney credit card that is being serviced through Synchrony Bank. In XXXX of 2015 I contacted JC Penney/Synchrony Bank in order to rectify and pay off any past due debt that I owed them. I came to an agreement with them and even received a letter stating that they would accept a settlement offer of {$360.00} dated XXXX XXXX, 2015 in order to close out the account. I happily accepted and as soon as I got the letter I attempted to consumate the agreement and pay them off. When I tried calling them to pay off the amount agreed upon, I was told by a XXXX that they could n't accept my payment because they were no longer collecting the debt because it was past the " statute of limitations. '' When I asked her to clarify that statement, she could n't clarify it but just said that they would not be taking my money. I asked for an employee ID and she refused. I then asked to speak to a manager and was transferred to a voicemail. I attempted to call him again at a later date and XXXX again I got a voicemail and have yet to receive a return call. I then spoke to a different representative named XXXX on a different date and he said they would not take my money. They even sent me a letter dated XXXX XXXX, 2015 which is just 6 days after they sent me a settlement offer stating that they were not going to collect on this debt but that they were still going to credit report it! For a few weeks I tried calling them to pay them the settlement offer we had agreed upon but they still wo n't accept my payment. I may not be a legal expert, but I know they ca n't simply refuse my payment because they are claiming they are no longer collecting it and STILL report it as an unpaid debt. That is fraud, defamation of character, and outright Malicious. Not only that, but because they wo n't take my money to clear this debt I am unable to proceed in obtaining credit as most creditors want me to pay this debt before they will extend me credit themselves. Does Synchrony Bank want their money or not? Either they accept my money so I can clear off my debt or they truly stop collecting this debt and stop reporting any balance owed since they refuse to accept any payments. They ca n't have it both ways. Please assist me in this as I am trying very hard to clear up my debt and if you can not assist me then I will be forced to sue Synchrony Bank.
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| 04/22/2015 |
Yes |
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Web |
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A TJ Maxx credit card issued by Synchrony Bank at a Homegoods store in XXXX XXXX, NY never handed me any term and conditions. They used my driver 's license for me to apply. They then gave me a shopping pass with no other related information.
I used the temporary shopping pass and a few weeks later moved. I called them to let them know I never received a card or terms of agreement so I did n't know when it was due or what the interest rate was. I had them update my new address and take payment. The payment was only XXXX day late, but since they had a note that my mail had been returned and was being forwarded to a new address, they removed the late fee. They gave me information saying my payment was due the XXXX of each month.
I called to make a payment yesterday, XXXX XXXX, 2014 around XXXX after I returned home from working and their phones were not ringing, but making a strange sound. I tried several times to call and gave up. Today, XXXX XXXX I called this afternoon only to find out a {$25.00} late fee was assessed. I was informed it was due on the XXXX and now they changed it and said it was due on the XXXX and that there was no grace period. It had n't even been XXXX hours since I tried to pay and they 're saying I have to pay the late fee and that they can not reverse the late fee because they did it before. I explained the XXXX part was their error, but she said she could not do it.. I only had a {$28.00} balance and now it 's {$53.00}! Because they gave me wrong and confusing information and because they give you absolutely no grace period.. Not even XXXX day. They also said I signed up for paperless statements when I did not. I searched my email up and down for a half an hour and there are no emailed statements! What a load of XXXX. So this whole time I never even received XXXX statement. I still have no idea what the interest rate is. I called later in the day to speak with a supervisor and they were no help and blamed me for the whole thing. She absolutely refused to reverse any fees.
This is so unfair and I and struggling financially right now and ca n't afford to unfairly pay a greed-driven, unwarranted late fee. It was n't even XXXX hours late. I need help this is so unfair. I do n't have an address for them, but their phone number is XXXX.
Please help, thank you for anything you can do. - XXXX XXXX
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| 03/30/2016 |
Yes |
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Web |
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On XXXX/XXXX/XXXX I went to a XXXX clinic named XXXX XXXX XXXX, XXXX offices located at XXXX XXXX XXXX XXXX, XXXX Fl. XXXX seeking for XXXX treatment, they refused to accept monthly payments or payments for visits, t was very clear that I could pay every time for my treatment even if that would be 3 times per week, instead the clinic contacted Care Credit, to get me a loan so they could get paid ahead the amount of {$5000.00} I already had a credit with Synchrony Bank ( Care credit ) for {$1000.00} ( card ending in XXXX ) another credit card for {$4000.00} ( card ending XXXX ) was mailed to me and quickly charged for the XXXX Clinic, both card were given a promotional payment of 18 month, on XXXX XXXX XXXX I had a balance of {$1800.00} in the card ending XXXX, I contacted my Bank XXXX to make a balance Transfer from my XXXX credit card to Synchrony Bank to pay off the balance, but the bank sent a check with the wrong account number ( XXXX ) Synchrony bank rejected the payment and they told me I had to submit a payment on XXXX/XXXX/XXXX and a period of grace would be extended until XXXX XXXX XXXX or interest for 26.99 % would be collected of the full amount, something that I reject that, because do n't make sense and that possibility was not explained on XXXX XXXX, any way the interest were fully charged on XXXX XXXX, I sent a payment of {$200.00} on XXXX the XXXX, Synchrony Bank forgot the extended period of grace promised and they want to collect now {$2900.00} I ca n't trust the Bank anymore even if I could submit the rest of {$1600.00} today the interest of 26.99 % of {$5000.00} is already in my statement. The interest of the balance is only {$430.00} a difference of {$930.00} is too much for me specially without any employment or weekly salary. I was un-aware of this predatory lending from Synchrony Bank even when it was highly suspicious that the clinic refused to accept my weekly payments, and that was because my medical condition returned 3 month later after the last treatment, I did not that I was not supposed to be forced to pay ahead for XXXX treatments, I kept paying any way but enough is enough, and I would like to see now a copy of the check paid to the clinic by Synchrony bank just to make sure that the amount is right, further more the Florida laws allow to collect a maximum interest of 18 % in any debt.
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| 02/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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XX/XX/XXXX made payment of XXXX, i realized XXXX applied to the 12 or 24 month interest free purchases, not to 6 month interest free ending in XXXX XX/XX/XXXX made payment of XXXX same problem applied to 24 month interest free XX/XX/XXXX talked to representative, was told that's how they do it unless state it when i make a payment and to talk to a representative through live chat or on phone..
so i made a payment of XXXX with same representative as above and he said would be put towards the 6 month interest free and would have the XX/XX/XXXX and XXXX payments reversed in the next 24 to 48 hours.
Mid XXXX around XXXX called XXXX since nothing was adjusted, was told that change can take until next billing cycle XXXX XX/XX/XXXX XXXX XX/XX/XXXX or XXXX talked to representative make a payment of XXXX requesting put to 6month financing not 24 or 12 month financing promotions that i have, person said not a problem asked about payments from XXXX XXXX XXXX was told they can see in system the request was made to re apply to 6 month programs..
XX/XX/XXXX payment of XXXX was applied to the 12 and 24 month promotions not 6 months interest free promotions..
XX/XX/XXXX talked to representative, same story will put in request to re apply XXXX payment,, I stated to XXXX rep that if happens again and all XXXX payments not XXXX applied by next billing cycle i would file a report to the FTC XX/XX/XXXX Account showed the XXXX payment was re applied properly,, still nothing from payments made XX/XX/XXXX XXXX XXXX, XX/XX/XXXX a payment of XXXX with a XXXX representative to be applied to 6 month interest free programs, said not a problem ..
XX/XX/XXXX payment of XXXX was applied to the 24 month interest free program XX/XX/XXXX talked to representative about AGAIN payment miss applied was told will be corrected in 24 to 48 hours XX/XX/XXXX statement closed looked at statement and the payments from the XXXX XXXX and XXXX have not yet been re applied and has been 48 hours and the payment from the XXXX has not been re applied during this i was told the re applying of payments could take 24 to 48 hours, then told XXXX to XXXX business day, then told next billing cycle, then last time on the XXXX i was told 24 to 48 hours ONLY when i brought up the FTC on the XXXX THEN was the XXXX payment made on XX/XX/XXXX XXXX applied XXXX 24 hours )
|
| 06/17/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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|
Web |
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We opened a Store Card with Amazon through Synchrony in XXXX XX/XX/2019. Payment due dates are set for the XXXX of each month. We had initially set up for the card to take an auto payment of Min Due.
Our First bill came, and I paid the card on XX/XX/XXXX. Which was more than the Min Due.
On XX/XX/XXXX it then tried to take a Min Due payment and was rejected, even though we had already paid more than the Min due.
So we called and had them turn the auto payment off, after they told us that even if we make the payment it will still take a payment.
XX/XX/XXXX I then paid the card off this was for the XX/XX/XXXX invoice.
XX/XX/XXXX I paid the XX/XX/XXXX payment, and then it again tried to take a payment. And I had the bank reverse it. And called to complain.
The rep told us it can take 30-60 days to disable auto pay and that's why it happened. She then assured me its now turned off.
I told her your website says that Auto Pay cancelation is 2 business days not 30-60. She apologized for the confusion and left it at that.
I then made the XX/XX/XXXX payment on XX/XX/XXXX. And we received a letter that our account has been closed for 2 returned payments.
I continued payments until we had a brief hit in XXXX XXXX with Covid, they reversed any late fees due to covid, and I then continued to pay the card off.
I then spoke to them again, as it showing on our credit as closed by credit grantor is dragging our score down.
When I spoke to them today they said it was closed due to delinquency. I said the account was never delinquent it was always paid 15 days before due dates. The issue, was we assumed that if the min payment is XXXX and we pay XXXX, that the auto pay would not then try and take a payment. As we had already paid the min and more.
And we then assumed after we turned off auto pay it would not be an issue again. But they still took another auto pay.. And then closed the account for the two returned auto pays. Even though I had paid the account manually before the payment due dates.
Talking to them is you had two returned payments sorry cant help.. and don't seam to understand I had already made the payments and had auto pay canceled. Its not my fault they say it takes 30-60 days to turn off when the site says 2 bussiness days.
I would like them to reopen the account and remove any negatives.
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| 04/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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Subject : Complaint of misleading customer Dear Sir/Madam, I installed XXXX XXXX on XX/XX/XXXX from company XXXX XXXX XXXX XXXX XXXX Total price of installment was {$13000.00}. I was offered a financing option from their contact ( company who installed the HVAC ) bank ( HOME DESIGN/SYNCHRONY BANK ). XXXX XXXX from heating and cooling company called me and told me they have sent all documents to bank and the installment is {$340.00} per month. They told me they will provide the me link to setup payment. I asked them what are terms and conditions. They told me whatever installment plus {$29.00} per month service fee. I told them it is not bad deal. I setup auto pay for total of $ XXXX and started paying.
On XX/XX/XXXX my remaining balance was {$7800.00}. On XX/XX/XXXX I got an email stating that my remaining balance is {$13000.00} adding all the percentage of interest from beginning ( total $ {$5500.00} ). I paid all those months to pay again. I was really sad. I called the bank about the situation they told me it was a promotion at that time. Because of not paying off all loans within that promotion period interest was added from beginning. They told me they can not do anything about it. Heating and cooling company directed me to bank didnt satisfied me why would they not let me know about loans terms and conditions.
In this situation I am feeling I was misled from heating and cooling company. The person who contacted me about financing options was not serious or careless who failed to explain me about loans terms and conditions that cost me extra {$5500.00}.
When I received a link to setup payment there was a set amount. They knowingly set my monthly payment lower so that they could claim the more money. I had never heard of this in my life. I didnt not have any option to change the monthly payment and I did not set up amount. The set amount was less so I could not pay off with in the promo period. I did not pay attention to those emails until XXXX of this year XXXX because I had auto pay set up and having that amount ready in my account. I was never missed any monthly payments.
In short I was not told the terms and conditions of the loan so I believe I should not pay the interest from beginning again. I am happy to pay whatever the interest is to remaining balance or I can pay off remaining balance altogether.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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To whom it may concern, RE : Synchrony/Amazon account XXXX XXXX XXXX XXXX My name XXXX XXXX XXXX XXXX, I had an account with Synchrony/Amazon that went delinquent due to some medical issues while waiting on my social security to become active. The account was closed on XX/XX/2019 but I made a payment arrangement with and agreed upon monthly auto withdraw. This was a fixed payment arrangement in the amount of $ 48 monthly, and it was auto deducted every month. Synchrony violated our agreement and violated the Fair credit reporting act by, submitting. ( 16 ) 60-day lates and ( 2 ) 90-day lates that are all false because we made a new mutually agreed upon payment arrangement. I called Synchrony to question these false and on going lates and they confirmed I was never effectively late during the payment arrangement but that they had a policy that they would report lates anyway while we were in this arrangement. Synchrony states that I signed an agreement that stipulated these lates would continue, but there is no signed document. I requested a copy of the agreement they state I signed. Twice and they essentially refused to send it to me. They admitted on a recorded call that we did have a new payment agreement with a new fixed payment and that we honored the agreement and paid it all in full.
Since we established a new payment agreement by phone, they have violated the Fair credit reporting act because the 3-credit bureau reporting requirement asks if Paid as agreed all payment were made on time and auto deducted by Synchrony. So, reporting 60-day lates and 90-day lates are lies and false reporting. They claimed it is a charge off, but I set the payment agreement before it was charged off.
I have been defrauded, my credit score has been weighed down and my capacity to borrower as needed for my family has been diminished. But I believe their false reporting is a pattern that is harming Americans of which I happen to be a 100 % XXXX veteran. Such practices should be sanctioned, and an in-depth investigation should be done see how often Synchrony Bank has violated its customers rights in false reporting to harm its clients who have had hardships. Its hard not to see this as malicious intent and behavior by a company that should be helping their clients in hardship.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX esq. XXXX FTC
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| 11/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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RE TJX Synchrony Bank credit Card.
I made a 1 time purchase on the telephone from an ad I saw using Synchrony Bank credit card. After first order was received and paid for the company continued to send me multiple orders all of which were returned to sender unopened. They charged my Synchrony Bank credit card. I called the number from the telephone number listed on the address label of the package and instructed them to not send me anymore shipments and I told them that I had never ordered these products and everything was return shipped via US Post Service to them, that they must remove all charges to my credit card as I did not have the product. I never agreed to any multiple order shipments. I would never do such a thing! On my credit card the company name was XXXX XXXX '. I got their their phone number from Synchrony Bank when I called them to find out what the charges were for when I found to that this was another name for this face cream company. There were multiple charges on the credit card from a company with a different name and it took me a while to figure out that it was the same company with this face cream product {$19.00}. I was very firm that I did not want any repeat orders.
Synchrony bank credited me the amounts on XXXX XXXX XXXX XXXX {$110.00}, {$110.00}, {$39.00}, {$110.00}, {$110.00}, {$39.00} I contacted Synchrony Bank to close this card and they sent me a new card. I explained the situation and was assured that this was the best way to stop this company from billing me. The representative understood the situation and agreed that it should be closed and a new card issued to stop further charges. I specifically discussed this situation with Synchrony Bank, opened a dispute. My account was credited and the account was closed. After my account was closed the charges reappeared on the new card. I spoke with Synchrony Bank customer Service who told me the company recharged my account. This is exactly what I was trying to avoid. Now Synchrony Bank is billing me for these charges including interest charged if I do not pay, I have spoken with their account managers several times in order to get this resolved without success. At this point I am trying everything to clear this charge up. I am desperate as I have spend huge time on this and hours on the telephone without the respect of Synchrony Bank.
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| 12/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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Hello. I want to say that it takes a lot for me to complain about a company, but I have been dealing with this for over a year. I had a PayPal Mastercard that was erroneously closed, because Synchrony stated, " I was placing stop payments via my checking account with XXXX XXXX which resulted in returned payments. '' I have contacted my bank numerous times, with the most recent call made today at XXXX HRS, to make sure there was not a stop payment on the account nor a block on PayPal. I have contacted PayPal numerous times on or around the due dates ( XXXX of each month starting from XXXX of XXXX ) to delete and re-add my checking account to the automated system. What no one is able to tell me is why my PayPal credit account, using the same banking information as provided for my PayPal Mastercard account, goes through without a problem via auto pay. To pay my Mastercard account, I have to manually enter in a payment. The most recent payment was scheduled for XXXX XX/XX/XXXX and was cleared by my bank on XXXX XX/XX/XXXX. I have a transaction ID from PayPal, identifying the payment, and a screenshot of my bank details showing the payment withdrawn from my account. I was informed by PayPal to have my bank send a letter indicating that there was not a stop payment and that the payment went through, when in the interim, to make another payment. I was asked to send a letter the same way in XXXX of XXXX and did not receive any other correspondence nor contact from PayPal. I called my bank today and both representatives informed me of the same information : no stop payments, no blocks on PayPal, and that the payment of {$150.00} went through. The second representative even stayed on the line to conference call PayPal but was disconnected after entering all of my information. I called PayPal again at XXXX with another representative asking for another letter but this time to fax it at XXXX with attention to Synchrony PayPal Mastercard. I am upset about this whole situation, feeling like I am in the wrong and an irresponsible customer. I am at a loss. I also want to inform the FTC that if a manual payment is entered, the automatic payment is canceled for that month ... another flaw in their system that two other PayPal representatives identified but had a supervisor argue with me again with the perception I was the wrong one.
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| 11/23/2023 |
Yes |
- Credit card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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Subject : Formal Complaint Against Synchrony Bank for Unjust Account Closure To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank for what I believe to be an unfair and unjust closure of my account. This action has caused me considerable distress and inconvenience, and I seek your assistance in addressing this matter.
Background of the Issue : Recently, Synchrony Bank decided to close my account Paypal Credit Account citing XXXX returned payments as the reason. However, the circumstances surrounding XXXX of these incidents have not been adequately considered by the bank. For the payment in question, I had sufficient funds in my bank account at the time of transaction. Unfortunately, due to an error outside of my control, the payment was initially returned.
I took immediate action to rectify this situation and successfully completed the payment shortly after being informed of the error. This was a one-time incident caused by factors beyond my financial control, and not indicative of my financial responsibility or history with the bank.
Concerns and Request for Action : Unfair Treatment : The decision to close my account based on this single incident seems disproportionately harsh and fails to consider my history as a responsible customer.
Lack of Adequate Communication : The bank did not provide me with a sufficient opportunity to explain or rectify the situation before taking such a drastic step.
Impact on Financial Standing : This action by Synchrony Bank has negatively impacted my financial standing and has caused undue stress and inconvenience.
I request the CFPB 's intervention to : Conduct a thorough investigation into the matter.
Ensure fair treatment and consideration of the circumstances from Synchrony Bank.
Facilitate communication between myself and Synchrony Bank to find a reasonable resolution.
I have attached relevant documentation to support my claim, including records of the transaction in question and correspondence with Synchrony Bank.
I appreciate the CFPB 's commitment to protecting consumers and hope for a prompt and fair resolution to this issue. Please do not hesitate to contact me for any further information or clarification needed.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 02/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/21 I received a letter from Synchrony Bank stating my account was closed. My account XXXX XXXXSynchrony XXXX ending in XXXX was in good standing. My account was never late, I always paid over the minimum, and the card had a XXXX balance at the time of closing. The reasons stated for closing my account are incorrect and/or do not apply to me. These reasons also infringe on my right to control my own finances. Here are the reasons : 1. Not Enough Balance Paid down over time on Student loans.
My student loan is " paid as agreed '', is not over the 30 year allowed term, and currently not in repayment due to a government shutdown of payments. This is not a valid reason.
2. Delinquent or Derogatory Status on Accounts is too Recent.
I have NO delinquent or derogatory accounts on any of my 3 credit reports. I have a total of 74 accounts NONE are delinquent of have been in the last 7 years. I also have XXXX dollars in usable credit and only 18 % utilization. This is not a valid reason 3. Not Enough Balance paid down over time on retail accounts.
I have 39 cards and mostly only use 6 personally and 2 for business. Synchrony Bank has a right to protect their interest, but not the right to dictate how I use my other finances. My report does not reflect that I have NOT paid, or missed a payment on any of my Retail accounts. This is not a valid reason.
4. Too Many Inquires.
The amount of inquires on my report are less than the amount that was there when they originally approved my account. This is not a valid reason.
Synchrony actions has affected my over all debt to income, and my lower my credit limit. This have affected my overall financial rating with future lenders, and my standing in the business world. Synchrony violated my rights as a citizen who has control over his finances, as well as their user agreement. I believe I was targeted because I'm a minority and Synchrony felt I would not fight back. I spoke with the Supervisor ( XXXX employee # XXXX ) who lied and stated I needed to dispute this with XXXX. The reasons 1-3 above do not appear on my report, there is no way to dispute what is not true. The Supervisor deliberately lied in order to not address my complaint, as well as showed a great disregard to my complaint and injury. I want my account restored to it previous status before it was closed.
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| 06/08/2018 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was at work and got a call ( first a voicemail ) from someone who said they were with XXXX, XXXXXXXX XXXX XXXX. Because I had another account that I was under wage garnishment, this scared me and I thought they were real. They left a message that they were serving papers and needed to verify someone would be home Tuesday between a certain time. I called them back and they repeated this and when I asked the amount, they said " with the judgement, it is ... .. ''. I told them I didn't realize I had a judgement, I must not have gotten court papers. They said to save my credit they would work with me and reduce it down. THey said the debt was for GE Capital. I have NEVER received anything from this firm in writing about this debt, but because I didn't want a cop showing up at my home, I had them work a settlement. I gave them my credit card and asked for an email to confirm. WHen I got the email, it had the account number, so when I got home, I checked my credit report from XX/XX/XXXX on my computer and could not find it. I called them back and they did not want to provide the info. I kept repeating that I did not have that account number and then after telling them I was having XXXX dispute the charge, XXXX XXXX said it was a Lowes card from XX/XX/XXXX-XX/XX/XXXX. He never gave this info initially. They were clear they were issuing a judgement if I didn't pay it. I called XXXX to dispute the charge but they had to wait for it to actually post. I emailed XXXX XXXX back that I would not sign the credit card receipt and he basically said he didn't care because they have a voice recording and they record because of " people like me. '' This happened on XX/XX/XXXX. The credit card charge was for {$910.00} and it wasn't even charged under the correct business name. I was speaking to XXXX, XXXXXXXX XXXX XXXXXXXX and the card ran as XXXX XXXX XXXX. THe address for the law firm was XXXX and the company that charged me was in XXXX XXXX XXXX. I now have no idea who has my XXXX card info. Again, nothing was provided in writing, nowhere in the conversation did they say I can dispute the debt and I never received anything by mail from them. They also did not state " This is an attempt to collect a debt. '' They asked that I return the credit card receipt signed-I refused. To this date, I have not signed the credit card receipt.
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| 11/27/2016 |
Yes |
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Web |
Servicemember |
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My Complaint is with Walmart credit card services. On XXXX XXXX, 2016 I was notified that my previous payment on or around the date of XXXX XXXX, 2016 was not processed and did not go through. On XXXX XXXX, 2016 I made another payment and was then assessed a late fee because of the last payment not going through.
My payment on the XXXX of XXXX was made online while I was in training due to my job in the XXXX XXXX. I did not have sufficient service to ensure it went through. My complaint does not lie here as this was my fault regardless of the situation.
My account was then frozen some time after the XXXX of XXXX and my account marked delinquent due to one missed payment. I have missed a payment before with banks such as XXXX and I simply paid my bill and penalties and all was good to go. Walmart credit card services froze my account and then raised my minimum payment from {$25.00} to {$84.00}. The {$84.00} payment was due on the XXXX of XXXX, 2016. I paid at XXXX XXXX Central Time on the XXXX of XXXX. Despite this and my payment stating it was processed online on the XXXX of XXXX. My account was tacked on with another late fee of {$35.00} dollars. I was told by a manger named XXXX in the Customer Service dept that despite when you make a payment, Walmart Automatically initiates a pre late fee, which is taken off the account once the next billing cycle is over.
This type of banking practices has led to my account being taken hold for over {$160.00} dollars until the next billing cycle goes over. I was also told numerous times that the credit card dept. could not take the hold off my account and it was done easily today once transfered to the US serivce dept.
I 'm also aware of my SCRA benefits as a service member and have had no issues with other banks when enacting my rights. With XXXX, I simply told them I was in the XXXX and that day my rights were enacted, my money refunded, and my interests rates lowered. With XXXX XXXX, I simply had to wait a week. With Walmart, they want a copy of my XXXX XXXX orders in the mail which I feel is not a proper way to send XXXX documentation. Still, I will send my XXXX but I do n't understand why XXXX companies did not require them and the one that decides to give me 6 hours of headache is the one that requires them.
Payment Confirmation on XXXX/XXXX/16 of XXXX # XXXX
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| 12/07/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I do not owe this alleged debt. I am owed a credit of the full amount of the current balance which will XXXX XXXX the balance and a refund of all previous " payments " I made according to 15 USC 1666d.
This company SYNCHRONY ignored my letter and violated ( Uniform Commercial Code ) UCC 9-210 REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( b ) Duty to respond to requests.
SYNCHRONY BANK has not provided the required verification and they continue to try to collect on an alleged debt after I disputed it, making them in violation 15 USC 1692g ( b ). In addition when a billing error notice has been given the account is to credited while in dispute.
I sent a letter to SYNCHRONY BANK telling them that I received a statement from them requesting of a payment from XXXX XXXX in the amount of {$3500.00}. I told them I am willing to pay off this account in the full amount of {$3500.00}, together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
According to 12 U.S. Code 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. No money, devices, or services were loaned by SYNCHRONY BANK to XXXX XXXX nor CREDIT WITH XXXX.
I requested documentary evidence on account ending in XXXX, pursuant to 15 U.S. Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with XXXX XXXX my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ) which I have attached. I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K on the public and private side showing accounts receivable and payable. I request the accounting ledger to be authenticated by a secured party pursuant to UCC 9-102.
This company needs to credit the account the full amount of the current balance which will XXXX XXXX the balance and refund all previous " payments " I made according to 15 USC 1666d, in the form of a check.
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| 07/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Subject : Illegal, fraudulent & deceptive business practices.
Hello, this is concerning my CareCredit/Synchrony Bank XXXX. XXXX XXXX, XXXX, FL XXXX account # XXXX XXXX XXXX XXXX.
1st. this Care Credit is unfair advertising at medical establishments to help people that are in need for care without insurance and resulting in nothing but issuing nothing but a high interest credit card ( mine is 26.99 % ). and high fees Usually {$30.00}, which intern doubling the payment. I believe they have no intention to help people and are just using the situation as a right off for the large portion of people will end up in default.
2nd My Personal situation I was late on a payment I think of {$26.00} and was charged a late fee on top of my amount due for {$30.00}. The total would be {$56.00} payment due. I called and discussed the situation and customer service agreed to reverse the {$30.00} fee. So I thanked them and made my payment of {$26.00}. I thought that was good. It wasn't, my next bill came in and again a {$30.00} late fee for late payment, Again I got on the phone and they said that they will not reverse the fee again. They tried to explain to me that since I received a bill for {$56.00} which included the fee and was reversed I was still was required to pay the {$56.00}. not to mention the added interest rate.
At this point I asked to talk to a manager and without avail was unsuccessful in explaining to them the unfairness/deceptive the situation was. The manger also reminded for to read the service agreement with them ( like 4000 words ).
This is the most disappointing part. I requested to whom I could file a complaint with than the response I got was I was doing now with a manager. I said no you are a bank and i want to file a complaint with the government agency you report to. His response was that they fill all their appropriate paperwork with the government. I said I don't care what you submit, I want to submit a complaint to them, what's there address? And he didn't give it to me or help me in any way. no responsibility. So i said to him so you refuse to give me any info to file a complaint and I will have to find it myself. Very dishonest and deceptive. they should be held accountable for their actions and now have to deal with them calling 20 times a day. Feel free to contact me any time. XXXX. thanks
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| 01/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I misplaced my CareCredit Mastercard when I moved to my new house. I called MySynchrony on XX/XX/2021 to ask that they send me a new card, preferably with my original card numbers. They could not send one with the original card numbers but they said they were sending one. I use my CareCredit Mastercard for many purchases, including vet visits because of the reward benefits and the promotional purchase benefits. I just went to my XXXX to pick up XXXX for my XXXX cat and was told they were unable to locate my account. I logged into my CareCredit/Synchrony Bank account online and it is showing my account it closed with a XXXX dollar balance.
My cat is extremely XXXX and is scheduled to have a XXXX on Thursday, XX/XX/2021, which I need to be able to use my CareCredit so that I can charge it under a promotional purchase and finance for 0 % for 6 months. However, your company has disabled my ability to ( 1 ) use my over {$11000.00} available credit ; ( 2 ) finance my cat 's XXXX for XXXX at 0 % ; and ( XXXX ) made it so that I will not receive the reward benefits for charging her procedure. Not only has this created undue financial hardship, it has also created emotional hardship, as I am going to have to figure out what I am going to do at this point since my cat has to have this procedure to assist with diagnosing her XXXX. It make zero sense that my account shows as closed with a XXXX dollar balance but your company states I owe over {$3000.00} but there is no way for me to access that account. Also, your representative knew I had not received my card, but he activated it. Then, I am told that it is activated ( and is somewhere in the mail ) but I still do not have access to the account.
Previously, all of my encounters with your company have been wonderful. At this point, I am seriously disappointed with your company and the lack of quality or care offered to my situation. I have been a great customer for approximately 10 years. I make my payments on time. It makes ZERO sense that your company has disabled my ability to use MY account which I have a credit limit of {$15000.00} because of a reason no one knows. Also, it make zero sense that if I went and opened a CareCredit account right now at a XXXX, I would have access to use the account, but you can't give an established customer access to their account.
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| 07/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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Synchrony Bank fails to honor its policies regarding disputed transactions. In later XXXX, I bought airline tickets with my Synchrony Mastercard ( around $ XXXX XXXX for a international trip on XX/XX/XXXX. In mid-XXXX the air carrier notified me that the flight was cancelled and failed to issue a refund in a timely manner. Thus, I was forced to file a dispute with Synchrony. Upon filing, I was informed of the policies which stated that Synchrony would investigate the dispute in up to 60 days. Throughout this period, I called numerous accounting managers to get updates, and documented these exchanges. Having been through this situation before with another credit card issuer, I asked for procedures in the event that the merchant does not respond to Synchrony within 60 days. I was told that if that is the case, then Synchrony would issue a temporary credit and allow the merchant another 30 days to respond. If the merchant failed to do so, the case would be considered closed. I filed on XX/XX/XXXX. As the XX/XX/XXXX deadline got near, I was told to rest assure that the case would be resolved in the 60 days. Well XX/XX/XXXX came and went and I still have not received an update. Moreover, the communication with the Synchrony dispute team has been minimal, at best. With other credit card issuers, such as XXXX and XXXX, their dispute team followed up with me periodically to provide updates. Despite providing numerous documents, Synchrony has neglected to reach out to me. Since their dispute involves a air carrier cancelling the flight and failing to issue the refund, the resolution is clear. As per a pair of Department of Transportation ( DOT ) memos, air carriers are mandated to provide refunds to customer. Since the services were not rendered, it is up to Synchrony to provide me with a refund in a timely manner. I have provided Synchrony 's dispute team with a plethora of evidence, documents and letters outlining the reasoning for my dispute. Unfortunately, Synchrony is not living up to its own dispute procedures. I expect Synchrony to respond with a revision of their dispute terms. The reason for this is every time I catch one of their account manager in a lie, they pause and then note that the previous account manager who provided me with a specific piece of information was in the wrong and they are in the right.
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| 06/02/2015 |
Yes |
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Web |
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On XXXX/XXXX/XXXX I accepted a credit card promotional with BP through XXXX XXXX for 3.99 % plus {$50.00} fee with the terms " until paid ''. That account was then sold/transferred to Bank XXXX later the same year. The account was then sold/transferred to XXXX in XXXX. Each time the account was transferred/sold I had no problem, the payments, terms, and conditions were transferred without issue. I received a notice from XXXX that the account was being sold/transferred to Synchrony Bank earlier this year. I received a statement from XXXX for the period XXXX with a due date of XXXX/XXXX/XXXX. I received a notice that any payments made AFTER XXXX/XXXX/XXXX would be returned. At that time I had not received ANYTHING from Synchrony Bank. By anything I mean including not receiving any instructions advising of directing payment to another address. I made the payment to XXXX with a payment date of XXXX/XXXX/XXXX through ACH. As of today it was not processed but I was unaware of that until after I received a statement from Synchrony Bank on XXXX/XXXX/XXXX. The statement from Synchrony was the XXXX thing I received from Synchrony. The statement included a {$25.00} late fee and they changed the terms of my original transaction from 3.99 % until paid to 13.49 % until XXXX/XXXX/XXXX. I called the bank and the {$25.00} fee will be waived but they continue to have the account at 13.49 % and it will go higher unless paid in full by XXXX/XXXX/XXXX. I have not agreed to any change of terms and do not believe Synchrony has the legal right to change the original terms since I have met all of the conditions of the agreement by making he payments each month. I spent over an hour on the phone with different " customer service '' reps on XXXX/XXXX/XXXX and was told to both mail and fax copies of all of my information including a copy of the original agreement from XXXX. They said they would review the information and take it under advisement but in the meantime the balance remains at 13.49 % until XXXX/XXXX/XXXX at which time it will go somewhere around 24 %. I asked for a number to call and speak with someone in the department that reviews and was told they do not accept phone calls. I think it is unreasonable to expect me to have copies of the original agreement from XXXX but as it turns out I do have a copy of the original offer.
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| 06/20/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American, Servicemember |
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On XXXX-XXXX-16 I did a search and subsequent purchase from an Amazon.com Market Place Vendor found on Amazon.com, following the posted procedure of the listing. The posting required clicking on a posted email address to contact the vendor before placing the order & payment to be done by Amazon gift cards. The machine was to be used in my XXXX XXXX. When the product was not received I immediately notified Amazon through their posted procedure via email complaint using their website and form, giving all details. For at least 2 days after filing the complaint, the vendor 's posting was still on Amazon.com so they did nothing about the situation. Upon calling Amazon for a status on my complaint, I was told they knew nothing about it, took the information and complaint again verbally and advised me to do a police report and an on line FBI report - which I did. After researching, Amazon told me that since I used Amazon gift cards, and contacted the vendor outside of Amazon ( I simply followed the posted procedures found on their website posting ), - and they could n't find the transaction ... They could n't do anything about this. I have screen prints of the posting on Amazon 's website, email communication with the vendor and with Amazon and gave them all of this. I 've also contacted XXXX, Call XXXX and provided them with all of the above. They have contacted Amazon and Amazon has repeatedly told them they will contact me directly to resolve and has done nothing but continue to bill me for the {$500.00} cost of the undelivered machine. I have paid to protect my credit and at this time still owe them {$320.00}. I mailed certified letters to both Amazon and Synchrony Bank ( who administers the VISA Amazon Prime Store Card that I charged the gift certificates for the purchase on ) demanding dismissal of the debt and neither answered. I 've also put a complaint in with the State of California Office of the Attorney General who suggested I lodge this complaint with your agency. Bottom line is that I was scammed on Amazon 's website by a vendor they allowed to be there - and did not remove ... and they are not willing to take any responsibility for it. At XXXX years of age, I can not afford to have companies take advantage of me and I 've always trusted Amazon. I 'd appreciate any help you can give on this situation.
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| 01/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/XXXX I disputed a charge in the amount of {$770.00}.
On XX/XX/XXXX I received a letter stating our claim is in the review process.
On XX/XX/XXXX, I received a letter stating the research has been concluded and a provisional credit has been issued to my account. The letter also states the merchant has the option to provide documentation within the next two billing cycles that the credit to me was not due.
On XX/XX/XXXX, I still had not received the credit so I contacted the dispute department. I was told they would have this escalated for review. I received a letter dated XX/XX/XXXX. The letter stated the amount was applied to my account on XX/XX/XXXX.
On XX/XX/XXXX I again contacted the dispute department since I still had not received the credit due. I spoke with XXXX and she again stated this would be escalated for review.
On XX/XX/XXXX I again contacted the dispute department since I still had not received the credit. This time I spoke with XXXX. She stated this should be resolved within 5-7 business days. If not, I should call and speak with a manager. I received two letters dated XX/XX/XXXX. The day I had spoken with the dispute department. One letter stated they are opening a dispute claim and to alow them up to 90 days to complete their review. I do not understand why this letter since the dispute was started XX/XX/XXXX. The second letter stated the amount of {$770.00} was applied to my account on XX/XX/XXXX. The same letter also stated a refund check will be sent within the next 45 days for any credit balance on the account.
Today XX/XX/XXXX I spoke with the dispute department and was transferred to the billing department. I spoke with two managers there. One by the name of XXXX and the other by the name of XXXX. Again I was told there is nothing they can do since a XXXX from the dispute department started an investigation. I to this day have still not received the credit I was due.
I informed them I have been patient enough and would be filing a complaint. The credit card affected by the dispute was ending in XXXX. We have closed that card and were issued a new card ending in XXXX. I am mentioning this since one of the letters I will be providing as documentation has the account number ending in XXXX. The remainder of the correspondence has the new card listed ending in XXXX.
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| 12/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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PAYPAL CREDIT/SYNCHRONY BANK ALLOWS SCAMMERS TO GET AWAY WITH CRIMINAL ACTS!! I purchased a pair of boots on XX/XX/XXXX in the amount of {$490.00} using Paypal Credit. Seller stops responding same day after receiving payment. Case opened, payment refunded to my account XX/XX/XXXX. Seller provided fake XXXX tracking number XXXX showing item delivered only to my city and zip code, not MY actual address. My name or full address wasn't even listed on the invoice provided. Despite invoice showing major inconsistencies of the item being delivered in an envelope that weighed 0.5 pounds, NO REAL PROOF it was actually delivered to my home and SIGNED FOR BY A RECEPTIONIST, not me, Paypal Credit ruled in favor of the scam seller and added the funds back to my account for payment XX/XX/XXXX. I reopened dispute immediately XX/XX/XXXX as I never received any boots and seller is not responsive. I sent proof of not receiving my item and pointed out all inconsistencies by secured message on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including endless phone calls TO NO AVAIL. ALL THE SCAMMER HAS TO DO IS PROVIDE A TRACKING NUMBER THAT SHOWS DELIVERED AND IT GET 'S RULED IN THEIR FAVOR. BE AWARE! I open a case with XXXX regarding tracking number provided. XXXX CASE XXXX. THANK GOD XXXX was nice enough to provide me with ALL proof needed SHOWING the item was NEVER DELIVERED TO MY HOME. THE PROOF SHOWS all seller information AND RECEIVER 'S FULL NAME, ADDRESS and PHONE NUMBER CLEARLY SHOWING IT WAS NOT ME OR MY ADDRESS!! Actually it was a letter mailed to a bank!!! Not XXXX Boots I ordered! I SENT THIS VALID proof by secured message XX/XX/XXXX and XX/XX/XXXX thinking this would be the end to this nightmare. I also faxed over and mailed with return receipt XX/XX/XXXX for added measure. I was SO proud to have the glaring proof I needed to close this dispute. XXXX invoice showing the inconsistent weight and shipped in envelope. Plus another invoice showing the envelope was signed for by a receptionist by the name of XXXX XXXX which is clearly not my name nor do I have a receptionist at my home. Lastly, the XXXX invoice showing MY NAME PLUS ADDRESS ARE BLANK AND MISSING. How can an item be delivered to my home if this information is missing? XX/XX/XXXX They ruled in favor of the seller again as he provided the same scam tracking number.
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| 04/20/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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Web |
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This is the letter I sent to Syncrony bankXXXX My name is ... .... and I need to bring up to your attention a consumer issue that I struggle with.
In XX/XX/XXXX my ex-husband ... ... ... ... ... bought a XXXX XXXX XXXX and I ( ... ... ... ... ... ) had to co-sign the contract ; he used to pay the monthly bills in time ; I never took care of it, never used the credit card ; Last year on XX/XX/XXXX we got divorced and the Final Judgement of Divorce stipulates that he is responsible for monthly payments on XXXX XXXX/Syncrony bank credit till is paid off. With that occasion my last name has been changed to ... ; He continued to pay it monthly, until on XX/XX/XXXX when he passed away ; On XX/XX/XXXX the attorney of estate contacted XXXX XXXX/Syncron bank to notify them about .... ; later on, the attorney of estate informed me that I have to contact XXXX XXXX/Syncrony bank ; On XX/XX/XXXX, I called XXXX XXXXSyncrony bank and explained my situation the divorce agreement, the fact that I live in a different place, I cant afford to pay anything ( I barely pay my rent ), the bed remained in the house where he lived, I dont use it etc ; they said that Im responsible for the balance of the contract On XX/XX/XXXX, I called again Syncrony bank and I was informed that my name has been removed from the contract and should I not be worry about it ; all conversations are recorded so, it must have been a prove of what the representative told me ; After a while, couple weeks, I started to receive alerts thru Credit wise, saying that Im in default with XXXX XXXX/Syncrony bank payments ; at the end, my credit score dropped off from XXXX to XXXX ; Thats being said I ask for your help - Im not able to pay any money towards the bed, my monthly income is {$2300.00}, I will have hard time to rebuild my credit, because of this huge burden. Also, I have to help my daughter who is in college in ... ... and to cover our monthly expenses.
I enclose a copy of Final Judgement of divorce and a copy of the invoice that I received by mail on XX/XX/XXXX.
Thank you so much for your consideration, Best regards, ... ...
The amount credited in XXXX, XXXX by Syncrony bank was {$8000.00}. On XX/XX/XXXX the amount due was {$2200.00} ; now the amount is {$2300.00} including late fees and interest.
Thank you for your consideration!
Sincerely,
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| 04/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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This is my XXXX complaint about Synchrony Bank. Now it's about my Care Credit card.
I made a statement about them targeting me as an XXXX American customer. I spoke with a customer service representative today over the phone. In the last conversation I had with them I explained to them to contact me by phone. Please no emails due to my illness I may not see or receive them. I am very ill and under XXXX. I have not received a bill or a phone call from Synchrony Bank to discuss any matters like most credit card companies operate when a bill is late.
Today I spoke with XXXX and I let him know that I was going through my emails today and I received a message from Synchrony Bank asking for my zip code to retrieve the letter. I have attached a copy to this letter. The letter stated that my credit was decreased to what I owed XXXX dollars. Synchrony Bank never contacts me by phone or sent a bill in the mail. The representative said they sent me a text message. I never chose text messages as an option for contact. Text messages to a customer 's phone are so unprofessional for a company to use. Synchrony Bank is using other tactics to downgrade customers ' credit scores because they can't report unless they are 30 days late. The representative stated the department that handles the delinquent accounts found me to be a risk after a week and a couple of days late. They never contact me by phone or by mail to my address to discuss any matters or resolved issues. I have not used the care credit card. If Synchrony Bank would use the proper point of communication they would find out the correct information pertaining to why I didn't make the payment due to my illness and I forgot. The customer is ill and forgot. This letter of complaint is being copied and I am going to get the media attention because this is a violation totally. They sent a letter on the same day they decreased my credit to cover their back by email I would never discover the letter from Synchrony Bank if I wasn't looking for a medical bill that a company called about and asked if they could send the EOB by email so I could print it out. Synchrony Bank letter was in my Spam Mail. I spoke with the Bank months ago when I put the first complaint in and asked to be contacted by phone calls and mail Only. I have attached the letter. This Company is a Scam!
|
| 09/17/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Credit card company won't increase or decrease your credit limit
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Web |
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I applied for a Lowes promotional consumer credit card that had a 0 % interest for 6 months to purchase some windows for my home. I should have known better. It turns out, Lowes contracts with Synchrony Financial to provide the credit services. While I only had {$23.00} to payoff of the remaining balance, Synchrony decided to reduce my credit limit by {$400.00}, because I missed the last payment by 6 days, in addition, they charged me {$29.00} for the lay payment. I am ok with paying the {$29.00}, but dropping my credit line by {$400.00} is an insult and outrage and has a considerable negative impact on my credit rating. I contacted them several times and was told they cant do anything to reverse the decision to reduce my credit limit. My wife also had a CareCredit card for medical expenses, which was provided by Synchrony Bank. She had a zero balance on her account, however, without any notice, Synchrony closed her account. I have reviewed many of the recent complaints filed against Synchrony on the XXXX XXXX XXXX web site, and it seems Synchrony is systematically closing accounts or reducing credit limits of customers that have zero or low balances, or no interest payoffs. They claim the accounts are being closed because of low credit scores, but this is false. It doesnt take a rocket scientist to understand what they are doing. These accounts cost Synchrony money to keep open. Simply put, the bank does not make enough profit on the interest and the accounts are considered a liability. Since the economy is in a recession because of the coronavirus pandemic, Synchrony Financial is trying to reduce its credit liability by systematically closing accounts that have zero or low balances, and they are falsely claiming the accounts are being closed because of low credit scores. They are deliberately putting false statements on peoples credit reports as to why the accounts are being closed, which is lowering their credit scores, making it harder for them to take out loans, and increasing the cost of borrowing. I have a feeling the 13,000 complaints that have been filed with CFPB since 2017 against Synchrony are just a tip of the iceberg and that when there is a formal investigation into the business practices of Synchrony Financial credit card services, there is probably the potential for a class action lawsuit.
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX a credit card account with PayPal/ Synchrony Bank was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with PayPal or Synchrony Bank doing business for PayPal. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with PayPal or any other debtor.
Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/XXXX and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via PayPal in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach PayPal and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for PayPal and have reached no resolve. In addition, PayPal will only give information after providing the email address on file to which I do not have an email on file with PayPal.
The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at PayPal to acknowledge this account even exists or to remove it from my credit report.
My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact.
PayPal Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/21/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
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Web |
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On XX/XX/XXXX ( Sunday ) I received an email from XXXX XXXX regarding my XXXX XXXX credit card account. This account was opened in XX/XX/XXXX with a credit limit of {$1500.00}. In XX/XX/XXXX, I purchased one rug, one living room table, one dining room table set ( including chairs ) and a sofa and loveseat. At that time I utilized {$1400.00} plus, in addition to the delivery fee of around {$85.00} ; which used all of the available credit limit that I had. During XX/XX/XXXX, I decided to close the account. As soon as my first statement came, I was paying on my balance ; interest free for 12 months.
XX/XX/XXXX ( Sunday ), I received a letter from XXXX Finance department informing me that they were adding {$73.00} to my account because they claim that they never charged me for the rug. This is almost a year later when I received this information. I called on XX/XX/XXXX ( Monday ) to speak to XXXX ( name referenced in the letter ) and I was told that she was on vacation. I told the representative that I spoke to that I did not agree with these additional charges that were being added to my account 11 months later and that I would like to dispute the charges. I left a message with that representative for XXXX and I anticipated a call from her when she returned from vacation. On XX/XX/XXXX ( Thursday ), I called back to speak with XXXX because she hadn't returned my call. She told me that she did not receive my message and she was very rude and unwilling to answer my questions or listen to my dispute. I informed her that I would be making a complaint regarding this issue, she acted as if she did not care.
On my next XXXX 's statement, the increase was already added to my account as well as the corresponding interest.
I do not agree that a credit card company should be able to add a fee onto my bill, stating that they forgot to charge me for merchandise. I have not kept the best records but I am more than certain that I utilized all of my credit and that rug was charged to my account. I don't believe I as a customer should be held responsible for some type of " issue ' that they have claimed to find on my account over a year later that financially impacts my liability to that company.
I will not ever do business with this company again. Bad customer service and miscellaneous fees being added to my account.
|
| 08/14/2015 |
Yes |
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Web |
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We have a PayPal Extra Mastercard through Synchrony Bank formerly GE Capital. Evidently General Electric does n't want people to know they run and operation like this with PayPal. We are forced to pay the bill on this card through Paypal or by phone. Neither methods are reliable.
PayPal and Synchrony Banks phone line are broken more than 50 % of the time. Today I was on the phone for XXXX minutes as I tried to pay my bill. Every time I pressed the keys or spoke my request the tape loop just repeated itself. This happens at least 50 % of the time when I call. I do n't know if this is a game they play so you are forced to use PayPay, but it is ridiculous and should be illegal.
I called Synchronicity 's helpline and got someone whom I could barely understand. I was transferred to a supervisor -- really a henchman whose job it was not to help me but make the situation even more upsetting. He was rude and arrogant and gave me nothing but excuses. When I told him I was n't interested in hearing excuses for their phone billing service being broken all the time and charging me XXXX dollars to take my payment with a representative -- who is in some foreign country and I am forced to give my checking account information -- he got nasty.
Unacceptable that these banks and financial companies like PayPal treat their customers like garbage. They offer no service. Talking to someone who is reading from a script in XXXX is not service. Then being transferred to some bully who is paid to abuse customers is unacceptable. I was so angry I said a few choice word and hung up without paying my bill yet again. PayPal and Synchronicity must be forced to provide service. We should not be FORCED to use paypal or the phone to pay. When neither is reliable and more often than not BROKEN.
I have tried paying by mail with this bank -- mailing my bill in plenty of time -- and they play games with that as well. Saying it was n't processed until it was late even though it got there in plenty of time.
Please investigate these XXXX companies. They are both criminal. That this goes on in the US is unbelievable. When we got this card six years ago we spoke to intelligent people who could actually help us. This is not longer the case. I have wasted hours of my time trying to pay this bill just today. And it happens over and over again!
|
| 07/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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I have requested, and on numerous occasions - a Do Not contact and from this debt collector.
I am reliant on a Do NOT Contact description from FDCPA.
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the cons
umer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
XXXX - has sent no less than XXXX articles/letters to me and through the USPS- and since the request of do not contact was initiated, they confirmed the request and more than a year ago, I have kept the communications.
The CFPB has them as well.
I have also - never, asked for a XXXX. Please ensure you do not attach a statement, nor mail anything - as the cease request is still in place, The response to this complaint- is just that.
Further, I believe ( and its discoverable ) that XXXX has contracted its collection efforts, and to at least XXXX companies. Where as - inquiries, and communications have occurred to entities they ( XXXX ) were asked to cease communications with.
The request of DO NOT contact extends itself naturally, to anyone you have chosen to do business with, and for any reason, and forever.
You fail, XXXX, to disclose this information of who is acting on your behalf/as you - however, you then choose to NOT adhere to the initial request to you and yours ( acting as/for you ) to cease contact.
The cease contact request remains, and with absolutely no constraint. This simply means it applies to all of your practice, and actions and anyone you hire to act on your behalf.
At some point, the actual penalties will be real - and outweigh your actions.
We are at the cusp, remember there is a class of people.
Do not contact any one for anything.
|
| 01/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
Recently my wife, XXXX XXXX XXXX had dental work completed at the XXXX XXXX Nebraska XXXX XXXX. Most of the fees were paid directly to the XXXX XXXX including XXXX ( {$790.00} ) of the total charge. This left a balance of {$1300.00}. When we inquired about how we could settle this debt other than a cash payment we were advised that we could apply for an interest free 6 month credit card from a company by the name of CareCredit. We applied for the card and were insured that so long as we paid the full balance prior to six months from the approval date of the card it would satisfy the {$1300.00} debt in full.
We received the first billing statement from the Synchrony XXXX which apparently collect for CareCredit. We made a payment of {$220.00} to the " Bank '' although the statement showed a minimum payment due of {$44.00}. Our {$220.00} payment was made to insure we could complete payments within the expressed 6 month interest fee due date.
Subsequently we received a second billing now showing a promotional charge of {$1100.00}. Wondering why the payment of {$220.00} did not reflect the correct balance due which should have been {$1000.00} ( {$1300.00} minus {$220.00} ) we inquired by telephone call to the Synchrony XXXX in XXXX, FL who were listed as account holder on our statements. We were told by XXXX at the Synchrony XXXX that we were being charged a monthly maintenance charges of {$21.00} in XXXX and {$18.00} in XXXX XXXX. These almost 1.7 % charges based on the original payment were made without any knowledge on our part or notification of any charges or interest. " XXXX '' advised me that this was a type of charge made to ( protect our card ). When I pointed out that we had no knowledge of buying any sort of card protection XXXX said that they ( the Bank ) would cancel the maintenance fee charge for future payments and would refund the charge only for the XXXX {$18.00} charge and that it would probably take 2 or 3 billing cycles before any refund could be made.
This just seems to me that the CareCredit card was just a way to make us open a CareCredit credit card account and that the maintenance charge was no more than a substitution for interest. We feel that we are entitled to both XXXX and XXXX charges in a timely manner and should no longer be subject to these unfair unsolicited charges.
|
| 06/04/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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Six months ago, I placed in dispute a series of recurring internet-site charges that were showing up on my TJX credit card account backed by Synchrony Bank. I rarely used the card and had a XXXX balance before this started taking place. The bank continued to charge me for the disputed charges and continued to charge me late fees for not paying the charges I had placed in dispute. When I called on multiple occasions to recitfy the matter or get a status update, I was told a ) that the bank had received payment from the internet-site, but that it had not been properly credited to my account and b ) that they would recitfy the matter and the correction would show up in a billing cycle or two. Every month, I received a new bill, at first with additional charges by the internet-site, and also with late charges for disputed charges I would not pay. After a few more months, the new charges stopped appearing, but there never was a credit for payments received by Synchrony from the internet site, and they continued to charge me late fees and new monthly late fees. I made repeated calls and continued to be told the resolution was underway, just wait another billing cycle and it would appear. When /i realized I was getting nowhere, I wrote to the bank, and mailed my letter and copies of statements both to the billing/payment center and to the headquarters address for Synchrony printed on my statement. I received an email stating that my complaint had been received and was being addressed. Then I received two more monthly bills still showing the disputed charges and all the late fees for not paying the disputed charges. This month, in my statement for payment due XXXX, the statement finally shows the originally disputed charges credited back, and the initial late charges related to the disputed charges refunded ... but they STILL included two months of late charges upon which they are charging MORE late cjarges. i do believe ALL the late charges, which relate ONLY to the disputed charges and nothing else, need to be erased. AT this point, they are simply charging me late fees because I havene't paid the late fees on the disputed charges that they were refunded by the internet site! I have repeatedly asked TJX/Synchrony to close my account with a XXXX balance, and it seems impossible to get the account closed!!
|
| 09/24/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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We have done business with Synchrony Financing for years, and have not had any issues during those years. They recently updated their systems and now do all applications/transactions online. One of our employees helped a customer fill out the proper application for financial assistance with Synchrony. The application was put into a pending status, until the customer could contact Synchrony to verify her identity. The customer spoke with Synchrony bank on a recorded line on XX/XX/2019, which Synchrony denies. After speaking with Synchrony and verifying who she was, she was approved for {$2500.00} in financial assistance. The customer made a purchase for {$1400.00} on XX/XX/2019 with financial assistance from Synchrony bank. The transaction verified her identity within Synchrony 's web-portal, via her Driver 's License. The customer signed both the store 's copy of the reciept, and Synchrony banks copy of their financial assistance reciept. The customer then had some work done on her Van the following Monday ( XX/XX/2019 ). She again verified her identity with her Driver 's License before the transaction for {$690.00} was processed. The customer then claimed that she never applied for financial assistance from Synchrony Bank and disputed the transaction/application. After nearly two months of Synchrony Bank 's fraud department " investigating '' the incident, the customers fraud claim was validated and we were debited the amount of {$2300.00}. After speaking with Synchrony 's fraud division, I was told we did not submit proper identification for her transactions. All proper documentation was provided from the beginning of the application process, to the end of the final transaction. We are disputing this with Synchrony bank and plan to pursue legal action against the company, or customer to recoup the loss of equipment/labor in the total amount of {$2300.00}. We are asking for intervention from the Federal Trade Commission on our behalf, concerning the illegitmate business practices being put forward by Synchrony Bank. We complied with each and every one of their steps in the application and approval process, and yet they have seen fit to chargeback two transactions as fraud. We have made multiple phone calls to the company, and have tried to resolve this issue, and have been stonewalled at every turn.
|
| 11/01/2015 |
Yes |
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Web |
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Ref : Amazon Card Acct # XXXXGentlepersons : I am writing to dispute the erroneous credit reporting by showing wrong balance which is damaging my credit. Facts are stated below. Please verify and correct the reporting to all three credit-reporting agencies to whom I am marking cc.
I only once charged this Amazon store credit card before requesting to close the account for unacceptable customer service. My statements were mailed to USPS mailbox. During the period I was reported late, my mails were erroneously returned backed to senders. Another creditor XXXX had same issue. However, XXXX confirmed that they did receive statements back from post and gave me full credit of late payments and finance charges.
Recently unbeknownst to me these late payments with no mistake of mine were reported to credit reporting agencies, damaging my impeccable credit. I called your agent and paid the balance on XX/XX/XXXX except for {$2.00} insurance charge. I did not pay insurance charge because I did not voluntarily enrolled in Insurance. None of my creditors require me to pay for insurance. I asked your representative to close thee acct.
I was surprised to see balance of {$43.00}, when called call was routed to XXXX collection agent, who gave me following information, which does not make sense. He transferred me to XXXX, US Rep of Bank who was very courteous and patiently understood the situation and confirmed XXXX balance and submitted information to correct erroneous late payment information to all the credit agencies to restore my good credit. I have already raised dispute with Transunion.
Talked to collection agent XXXX XXXX - XXXX XX/XX/XXXX payment due, {$16.00} XXXX/XXXX/15 Only XXXX Charge was madeXXXX Could not confirm if charge was {$16.00} why amount due raised to {$39.00} of which I paid {$34.00} on XX/XX/XXXX In spite of my conversation with agent in XX/XX/XXXX your representative confirming resolution, without any extra purchase still late fees of {$35.00} were tacked on. On XXXX/XXXX/2015 XXXX confirmed XXXX balance and promised that collections will not send me bills and credit reports will show no late payments.
I would appreciate a letter confirming that credit agencies have been apprised and no late payments will show on credit. Thanks and regards.
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
|
| 06/30/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
CareCredit by Synchrony BankXXXX XXXX XXXX XXXX XXXX.
Refusing to refund charges for paid in full XXXX, still sending us bills and threatening to report me to credit bureaus if I don't continue to make payments for services never received and will not receive. XXXX XXXX overcharged, over-billed, failed to bill insurance, cancelled appointments regularly, then refused to treat all patients at their XXXX part of the " practice ''. Multiple patients have complained and nothing is being done. Office lies about everything and doesn't bill insurance properly, so insured consumer is left with paying for the same treatment twice. Even charged for a " complimentary '' XXXX XXXX essential kit! I would have returned that asap, but I was told it was free and my child used it before I noticed I was charged for it. The whole front office is dishonest and scams its patients. This is why they can't keep honest employees. XXXX and XXXX are great, however they always quit once they realize what is going on. I don't know how or why the state has renewed the business license this year. I will also file a complaint w/XXXX XXXX XXXX. Patients are stuck with XXXX on their XXXX and without treatment causing further damage to their XXXX and XXXX while continuing to bill us and refusing to refund pre-payments already made. My son is stuck with XXXX on, XXXX growing visibly skewed. This may affect him for the rest of his life without XXXX.
I have been an excellent customer for decades with CareCredit and Synchrony Bank and pay my debts in full and on time. I have clearly been abused in this case. When I call, I'm transferred to dead extensions for " help ''. Emails back from the company state they will not reimburse the fraudulent charges. They have refunded me a mere {$220.00}. but expect me to pay for continued treatment of {$1000.00} XXXX they ended treatment XX/XX/21 and refused to give me a referral to a takeover XXXX ), treatment extension of {$750.00} ( six months beyond the normal 30 months and we've only had a few actual sporadic months of " treatment '' ), retainers {$300.00} and final records {$70.00}. I was told I would receive a big refund by XXXX staff of a few XXXX at the last appt on XX/XX/21. What a lie.
However, I am still receiving bills for {$1100.00} in charges, already paid {$2200.00}.
|
| 03/01/2017 |
Yes |
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- Incorrect information on credit report
- Account status
|
|
Web |
Older American |
|
In summary : I have an issue with a JCPenney transaction from XX/XX/XXXX that has negatively affected my credit. It is a valid transaction but I never received a bill. I am requesting that it be expunged from all XXXX creidt bureaus.
I purchased an item in XX/XX/XXXX for about {$35.00} at JCPenney but did not have my JCP credit card. They looked it up and posted it on an old JCP card that we no longer had, instead of the current one. Since we had n't used it for over 6 years and two household moves, we never received the bill nor any follow-on statements. I first I discovered the transaction when I found it on my annual credit report review about a year later in XX/XX/XXXX. At that time it was negatively affecting my credit score and I thought it was fraud since I did not have the card or the account it was referencing ( plus it had an incorrect name as XXXX XXXX instead of XXXX XXXX ). I tried to have it removed for several months as fraud, speaking with and sending letters to both JCPenney and Synchrony Bank ( who processes their card ). In XX/XX/XXXX, I determined it must have been legitimate based on the location and time of purchase which was disclosed to me at that time by Synchrony Bank. lt was in our home town in Ohio and we were there at the time. I paid the amount they indicated ( with fees at {$53.00} ) on XX/XX/XXXX and confirmation number XXXX. I was told to wait 2-3 weeks and then dispute the charge through each of the XXXX credit bureaus so that JCP/Synchrony would erase it with notification back to those bureaus. In late XX/XX/XXXX, I talked with each of the bureaus ( XXXX, XXXX and XXXX ) and each entered a dispute back to JCP/Synchrony. I have heard back from XXXX of the XXXX Bureaus indicating that JCP/Sychrony felt the transaction was valid, paid and nothing more would be done.
This is unacceptable. I have had excellent credit for 50 years. I have no other negative marks on my credit, having XXXX-XXXX mortgages over the yearts and currently holding XXXX bank credit cards and XXXX-XXXX retail credit cards. This will negatively affect my credit for at least another 5 years. I need your help to erase this transaction information from my credit reports. I could not pay the bill since I never received a bill back in XX/XX/XXXX since the retail clerk posted it to the wrong account.
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| 02/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Paypal and Paypal Credit are two entities operating under seemingly one banner. Under the surface, they apparently cooperate to collect debt or charge one or the other 's customer accounts but, should Customer Services be needed - such as in settling a dispute- they don't act as though they are able to cooperate at all.
I purchased an item with Paypal Credit for {$1500.00} from XXXX XXXX XXXX on XX/XX/2022. When the vendor ( XXXX XXXX XXXX ) told me they did not actually have the item to ship to me, I asked the vendor to cancel my order and refund my Paypal Credit account. The vendor wanted to charge me a " restocking fee '' and would not refund the full amount of my order.
I contacted Paypal Credit to dispute the charge with the above mentioned rationale. This is where the issues pertaining to this complaint begin. The Paypal Credit representative disputed the wrong charge - from a totally different vendor- in their system. I found this out a few weeks after the fact when the vendor with legitimate charges contacted me asking why I had disputed the transaction. I reached out to Paypal Credit to get them to fix their mistake and dispute the correct charge. After 3 or 4 separate attempts ( spanning several weeks ) to have Paypal Credit resolve their own mistaken dispute, XXXX XXXX XXXX agreed to refund the entire amount of my purchase without a restocking fee - and they did. After my Paypal Credit account was refunded by the product vendor, Paypal Credit processed the corrected dispute against that vendor and my account received a duplicate refund for {$1500.00}. That was in XXXX.
Now it is XXXX and Paypal Credit wants to settle the matter of duplicate refunds- which I agree should be settled. My complaint is that they have pushed the debt to the Paypal side to be settled in cash and now i'm getting collection letters from Paypal. This was never a debit transaction. This was always a credit transaction and Paypal Credit 's mistakes lead to the duplication of refunds for this item. I have been trying to work with Paypal Credit to settle the matter by charging my Credit account but each company keeps pointing their fingers at each other while I continue to get debt collection letters in the mail.
Neither entity seems capable of resolving the issue and I am nearly at my wits end with them both.
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| 03/28/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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OnXX/XX/XXXX I visited the Ashley Furniture store in XXXX, Florida to buy a couch with my girlfriend. We found it and decided to get it. The price was {$1500.00}. I put down {$500.00} on my MasterCard and was left with a balance of {$1000.00}, which I financed through Ashley Furniture / Synchrony Bank. They approved me at that time for a {$4500.00} credit limit. After we left the store, about 30 minutes later we received 2 calls from Ashley Furniture and they were asking me if I had some of the documents that we filled at the store. I told both the salesman, and the customer service lady that I didnt, all I had was my receipt.In the beginning ofXX/XX/XXXXI made 2 payments to Synchrony Bank and paid the full remaining balance of {$1000.00} in full. On XX/XX/XXXXI got a notification on my phone that there is a new charge on my account, I immediately called the number on the back of the card and informed Synchrony Bank that theres a new charge on my account and its not mine. They closed that account, sent me a new card and said that they will investigate. After they completed their so called investigation, they are insisting that I owe them this new charge of {$1500.00}. I was shocked, I called them many times and told them that I have not made any new purchases other than my couch.I contacted Ashley Furniture and they emailed to me the information they have regarding my account. After looking carefully at the documents, we noticed that they have written the other customer purchase order # ending in XXXX on my document. My purchase order # ended in XXXX.There seems to be another customer that is mixed up with my account from what Im seeing in the documents that they sent me, you can clearly see her name and address. Its pretty clear that they mixed up my account with hers, and now Im responsible for her purchases according to Synchrony Bank. This is insane, I dont know who this lady is, it shows a completely different address than mine, in another city. I have been dealing with this nightmare for months. I also had to open a XXXX / XXXX identity protection account which costs me $ XXXX/month. They are causing me and my family a lot of stress and we need somebody to stand up for us, because we tried everything, but they dont care.I have contacted the Florida Attorney Generals office as well for help.
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| 05/26/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
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Paypal is closing a dispute in the merchants favor despite no response from the merchant to Paypal and proof provided by me - from the merchant - that the product wasnt sent and Im promised a refund. Are bots controlling paypals dispute process? Attached is the exchange : Case closed Case ID : XXXX The outcome of the case was not in your favor.
Case details Dispute Reason Item not as described Case Status Closed Case Resolution Decided in seller 's favour Seller information XXXX XXXX XXXX Transaction amount {$100.00} USD Transaction ID XXXX Shipping address XXXX XXXX XXXX XXXX XXXX, NJ XXXX United States Invoice ID XXXX Date reported XX/XX/2020 Your notes I paid for FOUR of ( 2 pack ) XXXX XXXX, 3lbs Beach Sand for Ages 3 and Up ( Packaging My Vary ) ... So I was supposed to receive 8 packages of the XXXX XXXX. Ive only received four single packages.
File XXXX Additional info Item issues Missing Parts Refund requested {$27.00} USD Item description https : XXXX Your responses Date added XX/XX/2020 Your notes Reference # : XXXX Response email ( XX/XX/2020 XXXX XXXX ) Hi XXXX, A great day for you XXXX, I thank you for contacting XXXX My name is XXXX, for me it will be a great honor to assist with your request.
Please accept my sincerest apologies, as this is certainly not the level of delivery service we would like to provide to our Customers.
In order to assist you properly allow me to offer you refund for your missing items 4, allow me to kindly explain you, I can process a refund for 2 items ( 2 x 2 units = 4 items ).
Your refund will go back to the original form of payment method within 5 business days.
Im very sorry for this inconvenience. Allow me to kindly inform you, I'm not allowed to process a replacement due to these items are out of stock at this moment.
If you agree with this procedure, please be kind to let me know.
I will be pending on your kind you response.
Regards Sincerely, XXXX XXXX XXXX customer care.
XXXX, XXXX File Re : [ EXT : Fwd : Some items have shipped : XXXX XXXX, 3lbs Beach ... ] .pdf Your conversation with the seller You I paid for FOUR of ( 2 pack ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Packaging My Vary ) ... So I was supposed to receive 8 packages of the XXXX XXXX. Ive only received four single packages.
XX/XX/2020 at XXXX XXXX PDT
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| 07/12/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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In XX/XX/XXXX, I opened a CareCredit account backed by Synchrony Bank. I did this at a XXXX office. It was on a promotional offer for 0 % interest for 18 months. I ca n't see the original amount because my online statements only go back 12 months. I immediately went home and called CareCredit. I informed the rep that I wanted to configure my payment account to automatically pay it off on time. I told the rep I have money and I do n't need credit and the only reason I took this account is because it 's free. I asked the rep " So on XX/XX/XXXX, this will be paid in full with a balance of {$0.00}, right? And the total lifetime fees and interest will be {$0.00}, right? '' and the rep confirmed my calculations that yes it is as I said. Over time, I saw the monthly payment amount being automatically calculated, and reducing as the balance was reduced. So I thought that meant everything was on plan according to the rep 's instructions. Now I see that it was n't so, and I am joining the legion of people on this site who were misinformed in a predatory bait-and-switch effect. In XX/XX/XXXX, CareCredit instantly charged me all the retroactive {$890.00} in interest plus about $ XXXX/mo ongoing interest, putting my balance back up to almost its original amount, as if I effectively have to pay my medical bills twice. I just now found this out in XX/XX/XXXX because I thought the balance had been completed. The online statement history only goes back 12 months! So I called CareCredit on the phone and even the manager was belligerent and rude, as so many people have said on this site. He told me six times that I had configured my account wrongly and told me what I should have typed in, and that there 's nothing they can do. I asked him to quit repeating that, and tell me who I can escalate to -- so he repeated it again and again. I received not one single concession, no path of escalation, no recourse, not one word of options -- just blame. I have never dealt with a credit card company that 's this obstinate, and with such a losing attitude. I escalated again, but I do n't expect to be called back or to be given any options at all. The account has never been late or had fees other than interest, and everything has always been " paid as agreed '' status. The current balance is {$1900.00}.
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| 01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Synchrony Bank has caused us financial hardship, costing us potentially close to {$90000.00}.
We were ready to lock in our interest rate at 2.7 on XX/XX/21. Our mortgage loan officer called and said something showed up on my credit report. I was confused because weve never had credit issues and pay our bills EVERY month.
After two days of speaking with people at synchrony bank I was finally able to talk with someone in upper management. Here is what she said : I cant really see where the issue took place. Yall paid every month. The only thing I can see that MAY have happened is there was a {$2.00} interest charge that kinda fell between the cracks. The only thing I can do is draft a letter to the credit bureaus asking them to provide you all a courtesy of taking it off of your record since you never missed a payment.
Synchrony Credit never once called us asking for the {$2.00} that we had no idea existed, if they had I would have gladly given them {$20.00}!
We paid our bill every month and had no way of knowing we owed {$2.00} worth of interest.
This MISTAKE by Synchrony Credit has now caused us to be unable to lock at 2.7 and now either accept 3.3 or wait until XXXX and pray instrest rates stay low AND hope the credit bureau does us the COURTESY and scrub the mistake from my credit.
At this point, regardless of if the credit bureau will accept Synchrony Credits responsibility in this, we can not lock in the interest rate because of a damaged credit score that we played no part in damaging. If this mishandling by Synchrony did not have such poor timing, while we are closing on our home we have been building the last 6 months, we may have never known what they did! This very well may cause financial hardship for the next 30 years, even if the my credit report is fixed. If this is to be case, at the very least Synchrony Credit should have to pay the difference this will cause monetarily for the loan, if not more for causing undo stress and harm.
This MISTAKE by synchrony credit, as it sits now, has costed us almost {$90000.00} over the life of the loan for a {$2.00} interest charge we never knew anything about!
When you go to their XXXX page, apparently this is common for them. I saw so many posts from people who have had their credit scores drop because of these MISTAKES by them.
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| 05/07/2016 |
Yes |
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Web |
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Synchrony Bank administers Belk Store Credit Cards. Their online payment site and all of their statements claim the due date is the XXXX of the month. I had sometimes paid on the XXXX or the XXXX of the month which resulted in receiving a late payment fee, even though the date I paid was on or before the stated due date. When I raised this issue with the XXXX, I recived a condescending letter stating that I should always make my payment 2 days before the due date to avoid late payment charges.
This seems misleading and abusive. If the bank wants to move its due date for payment earlier in the month, it should be transparent about it and send out a notice.
XXXX recently " aligned '' its billing across company divisions which resulted in the due date for my phone bill coming 5 days earlier in the month. If a large company like that can successfully communicate such a change to their customers, why would a regional retail store refuse to acknowledge that they wish to have payment 2 days earlier each month? Of course, if they continue to charge any customer who fails to authorize payment ( bank draft ) more than 2 days before the stated due date, a late fee, they can increase their income. This is an unfair and abusive practice that is likely to affect many of Belk store 's customers.
If possible I would like a refund of all late fees for payments made on or before the stated due date ( XXXX of the month ) but failed to clear to the satisfaction of the bank.
It seems to me that any consumer should be able to plan and rely on the stated due dates in making payments. It is not fair to create a due date that does not reflect the actual date by which the payment must be " received '' or " cleared '' to avoid late fees.
If a customer presents a check at a point of sale, it may take several days to clear their bank. Would it make sense to dun such a customer for a late fee because of the time it takes the banking system to complete a transaction?
My accounting training is clear that transactions are recorded on the date they are completed. Revenue is recognized on the date of the transaction, not the actual date the bank releases funds. In the same way Invoices are handled based on the date they were issued not some later date on which the invoice happens to arrive at the customer 's A/P department.
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| 07/23/2015 |
Yes |
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- Credit card protection / Debt protection
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Web |
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In XX/XX/XXXX, I used Care Credit ( now Synchony Bank ) to pay a doctor bill due to lack of insurance. I was told that if the bill was paid within XXXX months, it would be interest free. The original amount I borrowed was XXXX. I had paid the bill down to around XXXX when the promotional period was to end. I received a statement that the interest accrued on the account was XXXX and this amount along with the previous balance was now due. I called Care Credit/ Synchrony bank to ask what I would need to do to pay off the account as interest free. I was told to send a payment of XXXX by XX/XX/XXXX and that would pay my balance. I went to my credit union to borrow the money. They also verified with Care Credit/ Synchrony the amount due. They sent a check to payoff account. In XXXX, I received a statement showing balance of XXXX. When I called, I was told that these were for XXXX late feesXXXXXXXX ( XXXX ). I explained that when I originally requested my balance, it was supposed to cover all charges. I was told it did not. I asked for the total amount I paid into the account. I was told I paid a total of XXXX. I stated that if the original amount borrowed was XXXX, then the late fees were paid ( XXXX - XXXX = XXXX ) I was still told they were not. I asked to speak to an account manager. After being put on hold for a long time, the account manager finally came on the line. When I explained the situation to her as indicated above, I was asked to hold again while she reviewed the account. After another long hold, she came back and told me that I had only paid XXXX on the account. I told her that I would like a copy of all transactions on my account from beginning to end. I also told her that even if I had only paid XXXX, then I still should have had a balance of XXXX. She said it was interest on the late fees. I explained that I felt like me and my bank were mislead, she was rude and insisted that I owed the balance. I asked to speak with whomever was her supervisor and was told the Operations Manager was XXXX XXXX ( I think this is the correct last name ) but I would need to leave a message because it was a message line. I called and left a message on XX/XX/XXXX and XX/XX/XXXX and still not have received a response. Is there any remedy or agency which can help me in this situation?
ThanksXXXX XXXX (
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| 01/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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On XX/XX/XXXX we used a promotional 0 % financing option with Synchrony Bank to purchase a mattress at a local retailer. I was under the impression the offer was for 24 months. In the course of the sale, I did not pause to read the entire contract. I signed it.
I set up regular monthly payments. I was receiving paper bills at first, but a few months later, requested online statements. I tried to set up my account on the Synchrony website, but had trouble. I did n't worry about it because I believed I had 24 months. The contract I signed unknowingly was for 12 months.
By the time the promotional offer expired, on XX/XX/XXXX, I had paid off {$2300.00} of the original {$3200.00} price of the mattress. But I missed the deadline, which was at XXXX. They speak of a 30-day grace period, which ended XXXX, on XXXX XXXX. On XX/XX/XXXX, I logged on and saw a {$920.00} interest charge added to the bill. I immediately called the company and spoke to three different levels of management ( so I was told ). They explained to me that when that expiration date passed, I became responsible for interest from the day I purchased the mattress, at 29.99 %, for the full price of the mattress. I am aghast. I had by that time paid off more than 2/3 of the mattress price. ( There had been a couple of exchanges of the original mattress, with a credit of the original amount, followed by an increase, which was handled as an additional purchase. That created two expiration dates, one even earlier than the other. I had been billed interest for a couple months already! ) I do n't understand how a credit card company is allowed by law to place a consumer in such a precarious position. It feels like a case of predatory lending. I was set up to fail. Why are they not required to send me an email prior to the end of the promotional period? Why do they not send me an explanation of how a second promotional expiration date was created when we exchanged one mattress for another? Now I 'm being asked to pay an extra {$920.00} in interest, with nothing to show for it. I have never encountered a company that was n't willing to work with me, especially when my intentions were clearly good as I paid monthly and had almost paid off the bill. This is an enormous financial burden for me. I am hoping for some sort of alternate resolution.
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| 09/13/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My identity was stolen and my XXXX XXXX XXXX MasterCard credit card was used to make a purchase for {$610.00} on XX/XX/XXXX. XXXX XXXX notified me, via U.S. mail, on XX/XX/XXXX that a restriction was placed on my card to until they could confirm that there is no fraud occurring. I was directed to call Synchrony 's XXXX number to discuss this with them. I called Synchrony and was told that a purchase was made on my card for {$610.00}, and I was asked if I made that purchase. I DID NOT make that purchase. XXXX XXXX said its fraud department would instigate and investigation. I have had numerous discussions with Synchrony 's fraud department. The bank had me call the " alleged '' vendor, XXXX XXXX XXXX XXXX XXXX at XXXX. I called this number, and it is disconnected. I called back to the Synchrony 's fraud department and told them the number is disconnected. Synchrony then asked that I contact PayPal. I called PayPal, and PayPal verified that I did not make the {$610.00} purchase. I called XXXX XXXX and told them what I found out. One of Synchrony 's investigators even admitted to me that they did not do a good investigation. He said they would investigate further. I spoke with my attorney in the meantime, and he told me that XXXX XXXX must produce " hard copy '' proof that the items purchased from XXXX XXXX XXXX XXXX XXXX were sent to my home. Each time XXXX XXXX denies my claim and says that I owe the {$610.00}, they do not have this proof. All XXXX XXXX has is that the vendor told them the items were shipped to my home. The vendor can not be contacted, and they have not gotten the information from the post office or from USPS to show the items were actually shipped to me. My attorney and I agree, until they can give me " hard copy '' proof, it is my word ( a valued customer ) versus a vendor that can not be contacted that the items were not shipped to me. This has been going back-and-forth between XXXX XXXX and me since XX/XX/XXXX. Each time I speak with Synchrony, nothing has been done. Yet they continue to ask for this payment from me. I am tired of the harassment and the time invested to clear my good name. I have excellent credit, and have always paid my bills. I even went to my local police department and filed an identity theft claim. Now, would an honest person do this? Please help me.
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| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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Two years ago I realized that Synchrony bank was not calculating my XXXX rewards correctly. Upon contacting the bank the phone representative did some calculations and agreed that the rewards were not being calculated correctly. Later I received a form letter from the bank stating my rewards were calculated correctly with no explanation as to how they were being calculated.
Over the coming months, I filed complaints with the XXXX Florida Attorney General and Consumer Financial Bureau ( CFPB ). On each of the following dates, Synchrony bank denied to each of these agencies that my rewards were not being calculated correctly.
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida Attorney General XXXX Florida Attorney General XXXX CFPB Finally on XXXX Synchrony Bank admitted to the Minnesota State Attorney Generals office that there were errors in the accounting of my rewards and credited my account XXXX points. In response I replied that according to my calculations there is an additional XXXX points missing and asked for a detailed accounting of every transaction on my account.
On XX/XX/2022 XXXX XXXX, Senior Specialist of Synchrony Bank wrote back to the MN Attorney General stating there is an open remediation to determine any additional points missing points. ( see attached letter ) After 3 months I did not hear from XXXX XXXX.
On XX/XX/2022 I called XXXX XXXX at XXXX, ext. XXXX and received a voicemail that stated she no longer works in the customer service department and was further instructed to call the number on my billing statement. I phoned the number on my billing statement and reached supervisor XXXX. XXXX informed me that there was no open remediation on my account. She said there was no other person I could call. When I asked if the XX/XX/2022 letter from XXXX XXXX was showing on my account, she answered in the negative.
I have been lied to over and over for a period of 2 years by this bank. Despite repeated requests of asking for a line by line transaction history for my rewards I am refused every time.
Some of the points I did receive were spent on purchases at XXXX. For various reasons some items purchased were returned to. XXXX shows a credit to my points but Synchrony bank never passed the credit through to usable points. In otherwords the bank kept my points.
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| 07/11/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Began receiving calls on or around XX/XX/XXXX. They left voice mail msgs w/ a case number ( XXXX ). When I called back, they said it was in reference to a delinquent XXXX XXXX credit balance {$230.00}. I explained I've never had an XXXX XXXX credit card. After more calls, on XX/XX/XXXX I contacted XXXX XXXX 's credit services dept, which is handled by Synchrony Bank and they informed me the account was opened more than 10 years ago. Once again, I told them I never opened an XXXX XXXX account. As a result, they started a fraud investigation. On XX/XX/XXXX I contacted the collection company and told my " case worker '' ( XXXX XXXX XXXX ) that Synchrony had opened an investigation. She became very agitated and said she didn't care and told me this was my last chance to take care of this before I was served with court papers at which time I would have to go to court to dispute it, and would then be on the hook for legal fees totaling 10 times the amount of the original debt. When I asked for the date of the debt, she told me it was charged off in XX/XX/XXXX. I reiterated that this debt was not mine and wanted to wait and see what Synchrony 's investigation revealed, but regardless, it was more than 4 years old, which is beyond the Statute Of Limitations for collections in California. She again became angry and said she didn't know why I kept bringing up Synchrony Bank as she doesn't know or care what that is and that they were going to move forward with legal proceedings against me regardless of any investigation into the matter. I strongly considered just paying it since the amount was relatively low, and filing a reply in court to dispute it would cost about as much anyway. However, every time I asked for documentation to be sent or emailed to me before I made payment, she refused. Additionally, XXXX XXXX XXXX did give me her direct number and extension, which was a XXXX number in XXXX XXXX, CA., however, when I asked for her company 's name, she said it was " In House Processing '', which - when searched online while I was on the phone with her - doesn't seem to be a valid company name. When asked if she was with a law firm or if the company had a different name or, for example, the name of the company that appears on her paycheck, she began yelling that she would see me in court and hung up.
|
| 11/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Charged too much interest
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Web |
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I applied for carecredit on XXXX XXXX, XXXX. My cat needed emergency needs. The procedure cost {$400.00}. Now I was told by carecredit that a cost of {$900.00} dollars was also taken from the card, but I 'll have to double check that ( waiting for statements in the mail ).
I also had an emergency XXXX XXXX operation that cost {$1000.00}. There were other smaller payments for my cat, but I paid the minimum since getting the card and never missed a single payment. I kept up with every payment ( minus this {$900.00} ). Each time I paid, my minimum decreased. I had my balance down to {$2100.00}.
I was given a ridiculous promotional option of paying {$1300.00} before XXXX/XXXX/XXXX. Here 's what is stated at XXXX XXXX : " If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment ( Extended Payment Plan ) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due ''.
Being a single young woman living on her own, paying utilities, rent, car notes and insurance plus health insurance, carecredit 's promotion was laugh worthy. So, I only paid the minimum as I could only afford. At this I was paying {$71.00}.
Now my statement is {$2500.00} with a minimum of {$84.00}! I called carecredit and the supervisor apparently said that for each time I used care credit, a promotion was given for me to pay off the debt I owed. To my knowledge, I only received the XXXX promotional plan which was too expensive to pay off anyway.
I never knew about any other promotion or the fact that using my card pretty much made matters worse for me.
Bottomline is that after faithfully paying my debt and never being late ( even paid early ), I 've been sacked with a HUGE interest rate that put me back at square one. I had credit cards before whereas all you do is use it, pay your debt, done. But it seems like the folks at XXXX XXXX wants to keep their customers in debt and leech off of them with ridiculous interest rates that will keep customers enslaved to this wretched business!
I need help. I feel as if I 'm being scammed and that care credit will stay taking my money for ever.
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| 02/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I applied for a loan to get XXXX XXXX at my eye doctor 's office in XX/XX/2016. The loan was serviced through Synchrony Bank. I received the XXXX in XX/XX/2016 at a cost of {$3800.00} at a fixed rate, promotional percentage of 14.90 % for 36 months.
I have been able to locate payment records since XX/XX/2016 for a total of {$3200.00} paid so far which I have attached a ledger for ( I can only go back 2 years with my bank and Synchrony so I could have paid more ).
Currently, 24 months into the 36 month loan, I have a promo account balance due of {$880.00}, but a monthly payment due of {$530.00}, which includes a past due balance of {$350.00}. Synchrony says I will be in collections until the {$350.00} is paid. Also, my monthly bill is now {$180.00} vs the original {$130.00}.
The promo balance, along with the interest rate, within my promo period don't make sense to me.
I believe I have been charged excessive late fees and am still being penalized for them. I am also being billed different monthly payments from my original amount, which is designed, in my opinion, to keep me in collections since I never know what is due each month.
My payment started out at XXXX per month, for 36 months.
My statements are created on the XXXX of each month. The billing date is the XXXX of each month.
If I missed a payment, I doubled up, sometimes paying twice within a month period ( payment record attached ). When began receiving an exorbitant amount of late notices, I asked the bank why, and they told me if I pay too early in the month, they would still consider my payment as late and charge a fee for the same month anyway ( correspondence attached ).
I would like for someone to credit my account for all late fees charged within months for which a payment was received early from me.
I also want all interest charged against such fees to be credited.
I also want my monthly amount due to be stabilized and consistent.
I have been called every hour on the hour Monday - Sunday from XXXX XXXX est to XXXX XXXX est by Synchrony 's collections system. As you can see by the attached payment record, I have been making my payments and do not understand the harrassment, nor the exorbitant monthly amounts that Synchrony says I owe. I want this collections harrassment to end.
I need help.
Thank you.
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| 05/31/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Dear Sir/Madame, The following complaint pertains to a previous case that was opened on XX/XX/2017 - case # XXXX. In that circumstance, I explained the reasons for my dispute with Synchrony Bank. In a nutshell, the bank opened 2 accounts and twice put me in collection without any notice. I was the victim of an identity theft. The fraudulent person only knows my social security number and my date of birth. As far as I know, he/she does not have any other piece of information. I was questioning why Synchrony Bank opened 2 accounts under my name and put me in collection twice when the identity thief only had 2 pieces of information ( it 's my understanding that, regardless of any precise regulation, the well-established rule of thumb is " at least 3 pieces '' ). In their reply, the bank states that the fraudulent person also has a valid previous address of mine that was verified before opening the accounts. All credit reports by the 3 main agencies show the incorrect address as solely submitted by Synchrony Bank. On several occasions, I asked the bank to corroborate such statement that is relevant to the case and that was submitted under the supervision of a governmental agency. I was told that the Bank has no way to prove the accuracy of the statement. Unfortunately, there is a history of Synchrony Bank providing me with inaccurate information. Why should I trust them now? Two weeks ago, on a voicemail, I was provided with the name of the agency from which they received the information and asked to contact it. Since Synchrony Bank is, in my opinion, largely to blame for the unpleasant incident, since Synchrony Bank made such statement a crucial element in dismissing my claim, should I not deserve clarifications? Who holds the burden of proof for something that was stated by Synchrony Bank, not me? Why should I contact a business partner of Synchrony Bank that does not have any previous interaction with me? Why should Synchrony Bank " wash its hands of it '' when the whole incident was created by the bank itself, not having the courtesy to contact me when so much information was incorrect ( the identity-theft does not even know my correct last name )? Is it too much to ask that, if you make a key statement under the supervision of a governmental agency, you also have to corroborate it? Thanks!
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| 01/02/2024 |
Yes |
- Credit card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I am writing to formally dispute a charge on my credit card related to XXXX XXXX : XXXX XXXX, specifically the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX the amount of {$360.00}. I appreciate your attention to this matter and kindly request your assistance in resolving the dispute.
On XX/XX/2023, the XXXX XXXX XXXX XXXX XXXX XXXX which was scheduled for delivery on XX/XX/XXXX, was supposedly left at my mailbox without the required signature confirmation / One time password. According to the USPS tracking information : XXXX, the item was marked as delivered a day before the expected delivery date. The failure to obtain a signature or one time password, as initially specified for delivery, raises concerns about the security and integrity of the delivery process.
Subsequently, on XX/XX/2023, I contacted XXXX customer service to report the missing package. To my surprise, I was informed that a refund would only be processed if I filed a police report. However, I firmly believe that the responsibility for the missing package lies with XXXX and their chosen delivery service, as the package was left without the required signature and no one time password was requested or provided to carrier.
In light of this situation, I promptly contacted Synchrony Bank on XX/XX/XXXX for guidance. The customer service representative I spoke with reassured me that it is not my responsibility to file a police report and, in fact, advise me to dispute the charge. Consequently, based on this guidance, I am formally disputing the charge of {$360.00} for the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX.
I have attached relevant documentation, including order confirmation, XXXX requiring signature / one time password for the order and USPS tracking information, indicating the premature delivery and lack of signature confirmation. I kindly request that you investigate this matter and assist in the resolution of the dispute. I believe it is unjust for me to bear the responsibility of filing a police report for a package that was not delivered according to the agreed-upon terms.
If further information is required to expedite this process, please do not hesitate to contact me at XXXX or XXXX. I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this dispute.
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| 06/05/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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My father and I have essentially the same name and therein lies the initial problem. He's technically " XXXX '' and I am the " XXXX ''. My father opened a Belk credit card two months before I was born ( the account was opened in XX/XX/XXXX and I was born in XX/XX/XXXX ). At some point in time, some of my info ended up on the account my father opened -- possibly when Synchrony started managing Belk cards, but I can't be sure. I did not realize my info was intertwined in my father 's credit card until my father passed away in XX/XX/XXXX. As my father passed away, he stopped making payments on this credit card. As best I can tell from the XXXX reports, he had an outstanding balance on the card of {$1200.00} when he passed away. As the late notices and fees piled up after his passing, I started to get notices from XXXX about my credit score dropping. I filed an investigation request with XXXX and explained the situation to them. After 3 investigations, XXXX continued to say the bank ( Synchrony ) claimed the card was mine. At that point, I began communicating with Synchrony. Several times now I have supplied Synchrony with all the information they have requested -- copies of my driver 's licenses, my SSN, my father 's SSN, my father 's death certificate. I emailed ( XX/XX/XXXX, XXXX ; XX/XX/XXXX, XX/XX/XXXX, XXXX ) this info to them, and even faxed it one time ( XX/XX/XXXX ) based on their request. I have spoken to numerous XXXX representatives on the phone with promises this will be taken care of. Unfortunately, every time I open my Synchrony dashboard online ( I have at least 5 other Synchrony accounts that I pay off each month ) I still see this credit card info with late fees amassing. Every time I see this card info on my dashboard, it's a reminder of my father 's passing that I don't need. I loved my Pop and this is like a punch to the gut.
This really isn't rocket surgery. The account was opened 2 months before I was born. All the charges on the card and payments to the card have occurred in North Carolina. I have lived in Georgia since XXXX. Somehow my SSN got placed on my father 's credit card info over the years and now my credit score continues to take a beating after his passing. I let Synchrony know I was going to file this complaint and they continue to drag this situation out.
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SYNCB/LOW can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SYNCB/LOW reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge
|
| 02/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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My complaint is regarding the rewards program with XXXX 's XXXX Master Card issued by Synchrony Bank. I have been a customer for approximately 15 years and my rewards check has always been issued on XX/XX/XXXX each year. This year a couple of weeks prior to this, I received a letter stating that : " For your convenience, starting in XXXX, the XXXX XXXX XXXX Mastercard Cash Back Rewards you earned in XXXX will be automatically loaded onto your XXXX XXXX XXXX membership. We will no longer issue you a check. Look for the blue envelope with your Rewards Notification Letter to confirm when your Cash Back Rewards are loaded. Once loaded, you can redeem them at any U.S. or Puerto Rico XXXX XXXX XXXX. '' I waited for the " blue envelope '' delivered in my mail on XX/XX/XXXX. I went to my local XXXX XXXX XXXX and attempted to redeem my points and was told by the customer service agent at the store that the points amount had not been loaded onto my card yet. They called customer service at Synchrony Bank and we were told it could take up to 10 days for the amount to be loaded onto my card and to check back on the XXXX or XXXX.
I returned to the store on the XXXX to find that the points amount had still not been loaded so we called customer service at Synchrony Bank again and was then told that there was a " glitch '' in the system and some customers funds had not been loaded and I should check back with them in about 14 days from the date of issue of my letter.
I called again on the XXXX, exactly 14 days after the date of the letter and now they tell me to just keep checking because they don't know when the " glitch '' will be fixed.
I phoned again today XX/XX/XXXX and was told that the funds are still not loaded to my card and again they tell me to just keep checking. Not that it should matter how big or small, but my reward amount is over {$1400.00}. I asked them if they would be paying me interest ( 25 % ) on my money that they can't seem to release, because this is what they would be charging me on an unpaid balance. I also asked them if they could simply send me the check in the mail as in years past, but they said no they could not do that.
Surely I am not the only customer this is happening to and I don't care how they resolve it, I just want a resolution soon. Can you please help me?
|
| 03/16/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
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See attached documentation.
Summary :XX/XX/XXXX - Made a {$500.00} purchase online - 6 months / no interest.
XX/XX/XXXX - Received {$20.00} credit ( promotional offer for using card )XX/XX/XXXX - Made a {$2000.00} purchase online - 14.9 % interest until paid off XX/XX/XXXX - 15 minutes later, called Customer Service to see if transaction could be voided as I decided to use a 0 % offer from another card. Confirmed charge voided and I would not be charged anything, and that it would show as a debit and a credit on my statement.
XX/XX/XXXX - {$2000.00} credit for XX/XX/XXXX transaction posted.
XX/XX/XXXX - Automatic Payment of {$80.00} credited to account which was deliberately set so that the {$500.00} from XX/XX/XXXX would be paid in full within 6 months.
XX/XX/XXXX - {$2.00} interest charged in errorXX/XX/XXXX - Contacted Customer Service via online messaging portal to advise of error.
XX/XX/XXXX - Received response from Customer Service that did not address issue at all. Was not notified via email of the response, so did not see until XX/XX/XXXX.
XX/XX/XXXX - Automatic Payment of {$97.00} credited to account instead of the authorized {$80.00}, in accordance with terms that adjust payment to the minimum due if it is less than the automatic payment amount. This was done in error.XX/XX/XXXX - Replied to Customer Service.
XX/XX/XXXX - Sent additional message to Customer Service after I realized that the mistake made was that the {$2000.00} credit was credited in error to the open transaction from XX/XX/XXXX instead of the {$2000.00} transaction from XX/XX/XXXX. This was likely due to how the automated settings are handled when applying payments. At this point it was obvious that a human being needed to manually make the adjustment. The process is simple for anyone with proper training.
XX/XX/XXXX - {$4.00} interest charged in error XX/XX/XXXX - Received response from Customer Service stating that the matter had to be escalated to the Corporate Offices.
XX/XX/XXXX - Filed CFPB complaint as no action has been taken by creditor.
XX/XX/XXXX - Confirmed account online states : Your next Auto-pay Amount of {$80.00} will be processed on XX/XX/XXXX. However, based on XX/XX/XXXX error, will be automatically changed to {$97.00} without notice or authorization from me. This will be an error.
|
| 12/11/2023 |
Yes |
- Credit card
- Store credit card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
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I am filing a formal complaint against Synchology Bank ( Synchrony ) I am writing to address ongoing concerns regarding my XXXX 's credit card account, previously raised under Complaint ID XXXX.
I appreciate the efforts made by Synchrony Bank to rectify the majority of the issues outlined in my previous correspondences. However, upon careful review of the recent account statements, it has come to my attention that there remains an outstanding credit of {$61.00}. I am writing to bring this matter to your attention for prompt resolution.
It appears that Synchrony Bank chose to close the initial account, subsequently opening a new one. The original purchase was made under the understanding of a XXXX interest-free financing arrangement. Regrettably, the recent statements reflect an imposition of interest charges, contrary to the agreed-upon terms.
Furthermore, my attempts to address this matter through the chat option on the Synchrony XXXX 's website proved unproductive. The live agent ended the conversation prematurely, leaving me without a viable solution or resolution. I am disheartened by the lack of customer-centric service exhibited during this interaction. Instead of resorting to repeated phone calls, I am choosing this XXXX XXXX as I believe it will provide a quicker and more efficient response.
To expedite the resolution process, I am formally requesting the following credits to be applied to my account immediately : XXXX. Interest charged in the XXXX statement : {$54.00} XXXX. Interest charged in the XXXX statement : {$52.00} XXXX. Previous XXXX XXXX owed : {$61.00} The total requested credit amounts to {$160.00}, which I believe accurately reflects the interest erroneously charged to my account. It is important to note that I have made payments covering the balance, excluding the disputed {$160.00}.
I am genuinely disappointed by the continuous issues and challenges faced in dealing with Synchrony. As a responsible consumer who consistently pays bills on time or ahead of schedule, I expect a higher standard of service and transparency.
I kindly request your immediate attention to this matter and a prompt resolution to ensure the credit adjustments are reflected in my account. Your cooperation is greatly appreciated.
Thank you for your understanding and prompt action.
|
| 07/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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TJX Rewards/SYNCB is not in compliance. According to the FCRA TJX Rewards/Synchrony Bank is in violation of the FCRA. In XXXX of XXXX when I received my annual credit reports I noticed TJX Rewards/SNCB was not reporting accurate data to all major credit reports. I have attempted in XXXX of XXXX, XXXX of XXXX and XXXX XXXX XXXX after disputing and receiving an update credit report from XXXX and XXXX the dispute was not corrected. What I did notice was that TJX Rewards/Synchrony Bank was not in compliance and violated my fair credit rights by not reporting accurate data. TJX Rewards and Synchrony bank is not giving me any type of rating and are flagging my credit report with XXXX as ( UNKNOWN ). This has been in existing since XXXX of XXXX. My current XXXX Report Number XXXX is dated XXXX XXXX XXXX. Yes, I have utilized my credit card with TJX Rewards/SYNCB in XXXX, in XXXX, in XXXX and have paid off the balance in full every month. For TJX Rewards not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my XXXX credit Report Number Confirmation Number XXXX, I noticed TJX Rewards/SNYCB has not reported correct data since XXXX XXXX XXXX. As of XXXX XXXX TJX Rewards/SNYCB is reporting on my XXXX Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with TJX Rewards/Synchrony Bank in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called TJX Rewards/Synchrony Bank to try to resolve this issue. Synchrony Bank, employee XXXX ID Number XXXX, stated to me she could not answer why TJX/Synchrony Bank was not in compliance with the FCRA. Because I have went back and forth for over 90 days with TJX Rewards/Synchrony Bank and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my TJX Rewards/SNYCB Revolving Credit Card Account. This has went on too long.
|
| 05/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
XXXX : Called Care Credit to question {$3600.00} amount on Credit Card. They could not provide payee name. Disputed Transaction. My first knowledge of this charge made XX/XX/XXXX.
XXXX :. No record of dispute. Advised to not make payment. Refiled dispute. The agent could not provide me with the payee information.
XXXX : No bill received for XXXX. Received late Notice. Called Collections. Spoke to XXXX ( XXXX # XXXX ). No record of dispute! She viewed the charge. Payee listed as " XXXXXXXX XXXX XXXXXXXX ''. She filed a complaint on my behalf- transferred me to Fraud Dept . ( PHONE XXXX ). Spoke with XXXX ( XXXX # XXXX ) refiled dispute. Confirmation to be mailed within 10 days. Note : No confirmation rec 'd. Rec 'd letter approx. XXXX stating a new card would be issued. No dispute info.
XX/XX/XXXX : rec 'd email, " still working on claim. '' XXXX Rec 'd Fraud investigation form. Faxed and mailed.
XXXX : rec 'd letter from Synchrony Bank stating their records indicate that I may have expressed concerns on XX/XX/XXXX regarding account activity relating to purchases, etc. XXXX through XX/XX/XXXX : Made several calls to discuss inquiry. Calls always went to call center in XXXX. They could not provide any information, and they had no knowledge of this letter.
XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. Stated claim was filed and investigation concluded, but no information available. Couldn't transfer me to Synchrony Customer Care. ( XXXX ) She stated she would contact them since I couldn't get through and request them to call me would call me. They did not call.
XX/XX/XXXX Verified account balance and payment due now showing.. Called XXXX. Transferred to XXXX XXXX fraud investigations. Stated claim was denied. Letter sent on XX/XX/XXXX. I did not receive it. Checked USPS daily mail report via email. He said he would refile claim. I told him they were way past the deadline They need to reverse the charges. He refused. Said it was paid to XXXX XXXX XXXXXXXX. Could not provide any information such as name or address.
XX/XX/XXXX Finally reach Synchrony customer service. They transferred me to Fraud XXXX. She transferred me to XXXX who said she was unable to assist me. She transferred me yo Investigation Manager. After being on the phone for 1 hour and 46 minutes, call got disconnected.
|
| 03/09/2016 |
Yes |
|
|
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Web |
|
|
ConsumerFinance.gov complaint against : Synchrony Bank ( Formerly GE Capital Retail Bank ) located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, for LOWES BUSINESS ACCT/SYNCB, Payable at XXXX, GA XXXX, and Corporate headquarters located at XXXX XXXX XXXX XXXX XXXX, GA XXXX.
XXXX My complaint is in regards to Synchrony Bank ( Formerly GE Capital Retail Bank ), for LOWES BUSINESS ACCT/SYNCB, is as follows ; The paperless solutions for this business line of credit are grossly inadequate, and the payment scheduling options are so antiquated that no advance payments of any kind can be arranged with this company, a practice that disallows any payment scheduling beyond 29 days in advance. I could not see my statements until recently ( when they finally began allowing customers to see an online statement. ) Additionally, I never received vital communication about changes to my account and to the terms of my credit agreement.
I have been charged XXXX in late fees. I have had several phone conversations with them over the last 10 months and I have sent emails, even before today.
My first email to them today at XXXX ( they only allow XXXX characters per email so there are four ) stated that I want synchrony bank to do at least ONE of the following three suggestions : 1 Integrate with MINT.com.
2 Set up payments online as recurring payments.
3 Set up payments online in advance ( further than 30 days ).
I then asked them to remove all late charges from my account and credit the money toward my back due payment and credit the remainder toward any upcoming payments.
My second email to them today at XXXX stated : Credit XXXX to my account. Use XXXX as a payment for last month, and XXXX as a partial payment toward this month. See other email I sent to your company today for further explanation, there was a XXXX late fee charged on XXXX, XXXX, XXXX, XXXX. Thank you.
My third email at XXXX stated : I am also filing a complaint with https : XXXX asking you to answer for your unscrupulous business practices ... even if it 's legal ( which I 'm not sure of either ) it is clearly a set of business practice calculated to create additional charges to your consumers.
The fourth email I sent them today stated : I wish to terminate my credit line and I want 6 months to pay it off from the date the account closes.
|
| 03/21/2017 |
Yes |
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Web |
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Credit Card Issuer : Synchrony Financial FCRA/ CFR and FDCPA Credit Reporting Violations To Whom It May Concern : The process to resolve this credit reporting issue began when repositories XXXX plus XXXX received my certified disputes, challenging their reporting of item SYNCBANKJCP - XXXX ; on Wednesday, XX/XX/2016, and Thursday, XX/XX/2016.
Further, in my efforts to have the unverifiable listing deleted, I methodically completed ( as per the FCRA/ relevant federal statutes ) each required step of the dispute process, yet to no avail.
NOTE : It was my intention based on the " attempt to collect a debt '' notation listed at the bottom of their inadequate Response dated XX/XX/2016, I ( seeking penalties of {$1000.00} for each violation ) planned on filing with the North Carolina, XXXX County Clerk of Superior Court a lawsuit against Synchrony Bank ; on the premise they have not validated the alleged debt and they still continue to report the item to the credit bureaus.
Yet, in-order to file a lawsuit against the referenced creditor, there needs to have a Registered Agent in XXXX County, North Carolina ; to whom the papers could be served. But, after contacting the North Carolina Department of the Secretary of State Corporations Division it has been determined that since they only have one brick and mortar branch in the U.S. ( located in XXXX, New Jersey ) there is n't a Registered Agent to serve.
Hence, because of this absence I am unable to file a small claims suit against them.
Therefore, as stated in my final correspondence to Synchrony Bank, if they continued to willfully disregard the law, I would and am escalating this matter to your office. Moreover, I have also filed similar complaints with the following governmental and consumer agency ....
1. The Connecticut Department of Banking 2. Better Business Bureau Serving Connecticut In closing, I do believe in the work you have done as an organization and want to thank you in advance for giving this matter the attention it deserves.
Best regards, XXXX.
1. XXXX XX/XX/2016 SYNCB JCP Dispute 2. XXXX XX/XX/2016 SYNCBJCP Response 3. XXXX XX/XX/2016 SYNCBJCP Dispute 4. XXXX XX/XX/2016 SYNCB JCP Dispute 5. XX/XX/2016 SYNCHRONY JCP Direct Audit 6. SYNCHRONY JCP XX/XX/2016 Response 7. Final Direct SYNCHRONY JCP Intent to Sue Notice
|
| 04/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
In XXXX of XXXX, I received a knock at my door ; by Deputy of Civil court. He served me with a citation, from an attorney 's office ; claiming to be suing on behalf XXXX XXXX XXXX XXXX, who purchased the account from, Rooms to Go/Synchrony Bank XXXX
This came as a shock, because I had not been notified prior. Nor was I sent any letters notifying me, or giving me an opportunity to make a payment arrangement of any sort.
What's worse is, they are suing for the original amount of the item placed on the credit card. This should not be the case, as the item was {$1100.00} and the credit card limit given, was {$1000.00}.
I created the account in XX/XX/XXXX. I ordered a sectional from Rooms To Go, through Synchrony Bank Credit. This was a 3-year term with no interest. I was given 12 months to purchase the sectional at sale price. I began making payments on the Synchrony Bank, Rooms to Go account, once I received the sectional, one month later. ( XX/XX/XXXX ). Minimum payments XXXX. I made payments consistently, for months.
I will admit payments were a little late, but never more than 20 days late. In XX/XX/XXXX, I was hospitalized with XXXX.I contacted them for help with late payment fees. I was still making payments while sick. They refused. I was paying, but with high lates fees, it was if, I was paying anything at all. All of this, while not receiving income while sick.
I reached out again, when released from hospital ( XX/XX/XXXX ), to ask for payment assistance. I received no help. I had made 10 payments by this time.
When trying to login to my account to make a payment, in XX/XX/XXXX ). I found that my account was officially closed on their website. I tried to get payment history, to rectify the balance. I received nothing in the mail.
Fast forward to XX/XX/XXXX, they have sold the account to an attorney 's office, to sue. They provided the attorney with my last payment on the account. Just the 1 payment, after I made 10 months ' worth of payments and they are suing for the full amount of the sectional.
I have submitted my response to the citation I was served on XXXX XXXX, requiring proof of debt, in my city 's civil court. I have not received proof of my debt from the attorney, since.
However, I received yet another citation from the civil court, this afternoon, XX/XX/XXXX.
|
| 06/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
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I opened an account to purchase a king size bed at a furniture store in XXXX XXXX Texas on XX/XX/2020. The company uses Synchrony Bank as the lendor. The company, XXXX was running a promotion that seemed very appealing. An 18 month promotion which was brief in the disclosure and was very misleading. I assumed that if I paid the amount in full in the 18 month promotion period, any outstanding balance would by that time be small and manageable. Instead, the company added a fat {$1500.00} dollar fee that they call deferred interest. In other words they were actually charging interest staarting on day one and it would all be due immediately after the promotion. I gave a XXXX XXXX dollar down initial down payment and was making monthly payments on a regular monthly basis until I had paid over XXXX dollars which was what the bed was worth. Their disclosure doesn't mention the total dollar amount of dollar payments. and does a very poor job of informing the potential buyer of the risks they take by falling for the gimmick promotion. Their 29.99 % interest is a whopper! I refuse to pay over {$6000.00} dollars for a bed worth about half of that. I sent a letter to their Florida Office and they refused to acknowledge me or reply to my complaint. I just keep getting emails saying that I need to pay up. I told them that if they want, they can send someone over to repossess the bed if they return the over {$3000.00} dollars I have already paid. They don't reply or acknowledge me except to threaten to report me to the credit bureaus.I already reported this to the credit bureaus and it is unresolved. As far as I'm concerned their promotion is a fancy deceptive trade practice!
I regret having made the purchase. I have very good credit and now they seek to tarnish it. I am a senior citizen and it seems big companies are targeting us as easy prey to enhance their business and line their pockets. I have asked them to close the account but all they do is keep adding interest and creating a bigger balance. I already told them I will not pay unless we can make some kind of arrangement that will benefit both parties. I can send them another letter, this time by registered mail if I thought it would help. I don't know what to do at this point. I appreciate any help you can give me. thanks.
XXXX XXXX XXXX
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| 05/27/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I received notice that I was required to vacate my house from my landlord in XXXX. My one year lease expired in XXXX and we did not request a new XXXX. The house was purchased for his daughter and had verbally agreed to a 3 year rental. His daughter returned from school early and he needed to move her in. This is the situation that caused me to become late on my Care Credit with Synchrony Bank. In XXXX of 2015 my total balance was {$310.00}. I made a payment of {$84.00}, my minimum payment was {$45.00}. I paid extra due to my earlier delinquency. Payment shows posted on XXXX/XXXX/2015 on Synchrony statements and the total balance due is now {$270.00} I have made XXXX payments of {$50.00} since XXXX for a total of {$250.00} which should leave my account balance at a credit of + {$21.00}. I had switched to electronic statements and made all my payments out of my XXXX check on or around the XXXX of each month. I noticed my balance was increasing rather than decreasing and logged into my account on my phone, saw I had accrued late fees. this is not possible since my due date is the end of the month and I pay at the beginning. Called customer service and they kindly agreed to refund the {$25.00} which they did. The agent said it would be better to make my payments after the XXXX of the month, not earlier and then there would be no confusion. I do not agree to making my payment later, I have cognitive difficulties due to my XXXX and could easily forget. Today I finally was able to go to an actual computer and pulled up my account they say I owe {$130.00} in interest and late fees! I have been on the phone for well over an hour and spoken with a total of XXXX different agents. My very first statement was I do not want to have to repeat myself, may I please have the XXXX person who has the authorization to fix my problem. XXXX Agents later and I still have no resolution. The agents barely spoke XXXX and kept interrupting my train of thought. I even authorized my son-in-law to speak on my behalf because they kept confusing me talking about XXXX, the XXXX fee they did refund. I asked them repeatedly to start in XXXX when it all started and had no success. So now I 'm filing a complaint which I should have done in the first place rather than try to get Synchrony 's XXXX agents to understand me.
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| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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According to Synchrony Bank ( The Sams CluXXXX Card ), I opened a charge card on XXXX/XXXX/XXXX. I do not dispute this. However, at the time, I was given a temporary shopping pass and no physical card since this card was opened in the store. Somehow this card then had a balance of {$110.00} as of that date, with a scheduled payment of {$29.00}. Even though I did not physically have the card in order to use it, the balance then went up to {$140.00}, {$190.00}, etc. I had attempted to contact Synchrony Bank customer service on two separate occasions to obtain the physical card and obtain information about the account, but they denied to give me any information without me providing my card number. I am not sure how to provide them with the account or card number without the physical card. I then requested at the customer service desk in-store to be provided with this card.
Apparently, there have been charges made on the card, even though I never had physical possession of the card. I am not sure how this is possible. The payment due amounts seem frivolous and made up. It is possible another person had been using this card, but more than likely it seems that synchrony bank made a mistake.
On XX/XX/XXXX, I contacted Synchrony Bank to obtain information about this account after learning it was reported to the credit bureau and I was attempting to get a mortgage. I explained my situation, expecting to be able to place a fraud report. However, they refused to provide me ANY information about the account, stating that the debt was sold to another company. They stated that they have " no information regarding the account anymore. '' I requested a verification letter and was told multiple times that this was " not possible ''.
If this is the case, how are they reporting it to the credit bureau? I then attempted to contact the place they sold the debt to. Apparently, they have no information regarding this debt either. However, it is very convenient that they are able to " verify the debt '' to the credit bureaus but are barring me from disputing that this is actually my debt at all. This is violating my rights and a blatant attempt at avoiding taking responsibility for their own mistake. The debt was sold to XXXX XXXX, yet I have never had any notice of this and was never contacted by them.
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| 08/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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Unauthorized Charge and Unsatisfactory Customer Support from PayPal Credit Card Issued by Synchrony Bank What Happened?
On XXXX I noticed a charge of {$390.00} on my PayPal credit card, labeled as a " Payment Correction. '' Upon contacting customer support, I was subjected to a series of transfers between departments, disconnects, and misinformation that have left me deeply unsatisfied and concerned about the handling of my account.
Dates, Amounts, and Actions : XXXX : Discovered the unauthorized charge of {$390.00} on XXXX, labeled as " Payment Correction. '' Multiple Dates : Contacted customer support regarding the claim multiple times, resulting in : - Being hung up on by different departments.
- Misinformation regarding the nature of the charge, including being told it was related to a balance transfer or a previous payment dispute claim that had already been resolved on XXXX
- Lack of access to past payments due to a system upgrade, causing further confusion.
Based on a letter received by the company on XXXX XXXX XXXX XXXX Original payment dispute claim was made for the amount of XXXX XXXX : Claim denied and was charged for the dispute reversal at the same time, leading to confusion regarding the new " Payment Correction '' charge on XXXX as this is a duplicate charge.
My Words : I feel utterly betrayed and ignored by PayPal Credit Card and Synchrony Bank 's support team. I approached them in good faith, expecting clarification and assistance with a mysterious charge. Instead, I was subjected to a nightmare of transfers, misinformation, and abrupt hang-ups. The confusion between a 'balance transfer ' and 'payment correction, ' the inability to access previous payment records, and the consistent failure to provide clear answers has left me not only out of pocket but deeply frustrated and distressed. The charge, described as a 'payment correction, ' was tied to a previous payment dispute claim that was already resolved nearly a year ago. The lack of coordination and compassion displayed by their support team was a disheartening experience that seemed designed to wear me down rather than help me. I am seeking the CFPB 's intervention to not only correct this financial mistake but to ensure that no one else has to endure such an infuriating and disheartening experience.
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| 05/10/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Confusing or misleading advertising or marketing
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Web |
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I bought my XXXX XXXX phone on XX/XX/2017. I was very excited to have a new phone that had advertised a plethora of amazing features. Including the best camera on the market, and unlimited photo memory. In addition to the top of the line features, XXXX included a leasing feature that was almost too go to be true. With Synchrony Bank you could get approved for the XXXX phone almost immediately and pay 0 % apr for 2 years. Well, as it turned out it was too good to be true. The product that I have received is nothing near to what was advertised. I got a phone that does not even receive text messages or phone calls half of the time!
I called for help within 30 days and was given the complete run around from XXXX. They have no location where you can return your phone or get help. They have a service center in a remote location who's sole purpose is to deny customer refunds after getting faulty products ( out of their 15 day warranty ) anyone after will have to suffer a {$700.00} loss and get a REFURBISHED replacement of what was supposed to be a WORKING PHONE.
So in Regards to Synchrony Bank, I had called to report XXXX XXXX False Advertising of providing a working phone and decent service. In hopes that they might protect me with a refund as any other bank would do in a fraudulent situation. Ie. XXXX, XXXX, XXXX XXXX ... All file claims within hours to protect customers.
What I got was a claim that was filed and a letter that would be returned within 60 days by paper mail. Mind you, I have a life and can not sit and wait all day for paper mail which I did not receive because I had moved. This claim said that ( XXXX did not accept my claim because of the 15 Day Refund policy!!! ) I waited 60 days to hear the same thing XXXX told me about their Fraudulent activity.
It has been about 7 months with a broken phone, I do not receive important calls or texts ever. They tried to troubleshoot but it still did not work.
So what I want to know is why XXXX and Synchrony Bank are protecting either 's relaxed approach to customer fraud. I have paid {$700.00} and have been completely scammed by two of America 's biggest retailers.
All of my calls were recorded, but the only answers I kept getting were the contractual agreements. Well I did not contractually agree to buy a faulty phone.
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| 08/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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This complaint is regarding XXXX XXXX 's ASHLEY FURNITURE XXXX / SYNCB account ending XXXX.
On XX/XX/2021 around XXXX PST. I called ASHLEY FURNITURE XXXX / SYNCB customer service due an unexpected balance of {$40.00} late fee appeared in my account posted since XX/XX/2021 I wasn't expecting this since I already made the payment on my account for amount of {$87.00} on XX/XX/2021 & another {$87.00} onXX/XX/2021. I was expecting that my account will be up to date. I have ask the CSR to help me out to waive the fee of {$40.00} but declined to do so. The account representative told me that he can not waive the fee and has no means of information or access to waive it.
I then asked to be transferred to the account manager who I believe has more access to grant my request. However, the CSR told me that the manager will say the same thing and can not anymore help me out to waive the late fee of {$40.00}.
Wow, really, seriously, for {$40.00}? As a long time customer who is asking for your help to waive this fee has been strongly denied to be help out. I have been patiently paying my debt in ASHLEY FURNITURE XXXX / SYNCB even though the I find the minimum charge on this account is so high compared to other minimum monthly payment that other credit card company is asking and aside from that, synchrony bank has been changing their minimum monthly payment amount without a notice. I mean, there should be at least a written notice from ASHLEY FURNITURE XXXX / SYNCB that consumer will expect this kind of amount to be the minimum charge on the upcoming month and so forth.
Is this one of your scheme not to inform your customer that your monthly minimum charge will go up so that you can just boom charge us with late fee?
I mean I've seen it fluctuates.
I will not pay that {$40.00} extra, because i know I made the payment on time, it's just that ASHLEY FURNITURE XXXX / SYNCB changed the min. monthly charge and make it higher than I used to pay.
All I ask is this should be settled so I can be back in my normal life. This amount of {$40.00} late fee has to be waived.
This issue has been stressing me out and should be waive for the sake of helping out your customer. ASHLEY FURNITURE XXXX / SYNCB should extend their hands to be more considerate and don't push their costumer to pay more and more.
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| 01/18/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
Older American |
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On XX/XX/2015 my wife and I purchased a living room set (couch, love seat and ottoman) from XXXX XXXX XXXX in XXXX , Ca. We were offered a no intrest credit card for what we thought was 36 months through Synchrony Financial.
My wife recently noticed that the bill was not being paid down. At this point I contacted XXXX XXXX. They said the terms were 24 months deferred interest and advised me to call Synchrony Financial.
I called and had a very hard time getting through, I just went into a loop that eventually hung up on me. I kept calling and asked for an agent in the US when I reached an overseas agent who did not want to help me. Many dropped called and transfers back to overseas agent I reached an agent her that said he could help.I explained what happened, he reiterated the terms and told me that I had no choice but to pay the deferred interest (at 29.99 %).
I asked if they would be willing to waive the interest and fees and he replied no, we needed to pay in full and interest will still accrue until we paid if off.
While I admit that we are guilty of misunderstanding the terms, we feel like we were misled. Fist it was not interest free. We also thought that as we made the payments that it would be paid off before the expiration of the interest free period ( as in a previous purchase through Sychrony and a different firm), but the payment listed was only minimum, which we did not understand. Again, I feel like we were mislead, no so much lied to as, but just given half truths and misinformation.
The original purchase was for $XXXX plus tax and delivery fee. The balance on the account now stands at $XXXX , and rising. This is almost as much as the purchase price. I feel that Synchrony is taking advantage of us and charging an outrageous intrest rate and late fees. They do not even want to do anything at all but tell us to pay all the interest and fees.
This institution is predatory, I can imaging how many people, partyicualy older non computer literate people are being scammed like this. You have to be very persistent to contact these people and push to get any kind of information or answers.
Please appeal to them and see if we can get this matter taken care of, I cant sleep at nigh and, dont have enough money to pay this balance with the high interest rate the are charging..
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| 04/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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My issue is with Synchrony Financial Services who are t he bank for several store card suc h as Walmart, Amazon, Pep Boys and Care Credit, which are all cards I have. In XXXX and XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is t he Walmart card. It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on XXXX XXXX , XXXX that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted Walmart/Synchorny they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low credit score beca use I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with Synchrony bank until they have decreased all of my limits bas ed on two months of trouble that has since been resolved. This is the second card managed by Synchrony Bank where the credit limit has been decreased based on credit report. The report was provided by XXXX and the reasons listed were existing problems that had been on my credit report for years ( a discharged bankruptcy that is over 7 years old a nd a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, a re two years old or older, existed when I had my credit approved/increased with Synchrony Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that re ason ). Walmart/Synchrony have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the XXXX Credit Report order hotline when they tell me they are sending me to an accou nt specialist.
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| 11/11/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Problem with fees
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Web |
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We purchased items from XXXX XXXX XXXX and took advantage of the offer of free financing for a period of years. This required us to get a branded XXXX XXXX XXXX credit card issued by XXXX XXXX. We immediately set up automatic bank drafts to make the required monthly payments. We even made the payments two weeks before the deadline. After the 1st payment was made, we received multiple phone calls from XXXX XXXX indicating we were late in payment. We ignored the first month 's phone calls thinking that they had made a mistake. We then made our 2nd required payment and despite that, received a new set of phone calls the next month. We then spoke with representatives at XXXX XXXX who advised that they had made a mistake and that our account was, in fact, current and up to date. They removed the interest fees and late charges that were incorrectly placed on our account at that time. A few months later, we started getting more calls about how we were late with payment again. Once again, we spoke with Synchrony 's customer service people and were told the messages were in error.
In an attempt to stop this from happening again, we made two extra installments on the account so that even if their system did not reflect a payment from us ( despite us sending it to them at least a couple of days before it was due ), they would then apply one of those payments. Needless to say, that hasn't happened.
Just last week, i received another notification from XXXX XXXX that our account is delinquent and that I owe all of these additional charges to include late fees and interest payments. I can provide you a record of all the payments that have been made to XXXX XXXX which will show how the bank has accepted all of these payments well before the payment deadline and in amounts greater than what was required.
It is our opinion that Synchrony does not want us to pay the item off in the allotted time with no interest in that they will make much more money if the account is not paid on time. Clearly, there is fraudulent misrepresentations and intentional and material fraudulent accounting. Looking at other complaints on the Internet, this is clearly a pattern of fraudulent activity on behalf of Synchrony to illegally generate fraudulent fees and revenues from consumers who pay their bills on time.
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| 01/23/2017 |
Yes |
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Web |
Older American |
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XXXX visit on XX/XX/2016. I filled out their forms and I qualified for their XXXX program '. Vet took my XXXX to examin him and staff person came in and said it would be around {$49.00} for the visit. Vet came back and said they would draw blood. Vet said my XXXX would need medicine and I gave them my pharmacist 's phone number. Went to desk to check out. That 's when the desk person informed me that my bill was {$130.00}. I asked why when the first person said it would be only $ XXXX, desk person told me blood draw was extra. I told that I did n't have that much in my bank account to pay. Staff person suggested that I take out their credit card. I started to fill out the forms and that 's when I was informed that to qualify for the credit card, the company required an additional {$160.00} fee for a total of {$300.00} be charged on the card. I was shocked and upset, but not much I could do. So they put a charge through for the {$130.00}, plus the additional {$160.00} XXXX for 'no services rendered, ' as far as I was concerned ). I went home and started thinking about the " forcing me to charge an additional amount. '' On XX/XX/2016 I got so upset with what I feel is a scam, I transferred money from my savings to my checking and had the bank send in a check for {$130.00} electronic date arrived XX/XX/2016 for vet services rendered directly to XXXX. The first part of XX/XX/2016, I received the CareCredit card with flyers inserted. I tore up the credit card. I then received a statement from CareCredit for a bill of {$220.00} {$27.00} for late payment charges. I wrote on the bill and returned it stating that the veterinary bill had been paid directly to XXXX XXXX XXXX and that they knew that I had paid it all up. Lately, I have been receiving phone calls from them XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX XXXX, since then daily XXXX calls per day. I have ignored them all. I am still upset about forcing me to charge the {$160.00} for absolutely no services rendered and now all the harassing phone calls. I would like to see that the XXXX XXXX XXXX stop this type of 'scam ' of forcing patients to charge these 'fake fees. ' I definitely want Synchrony Bank/CareCredit companies to remove the $ XXXX {$27.00} late charges and stop contacting me in any way shape or form.
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| 08/24/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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Synchrony bank closed my Lowes store card which I financed my fence and countertop with. I have always made payments on time. I had signed up for a card protection program for this Lowes card to protect me in case I lost my job. It charged me {$1.00} per {$100.00} I owed on the card. This was added in monthly minimum payments which had been {$99.00} and with an additional {$160.00} added to the min payment for the card protection. So I canceled the card security and expected to go back to {$99.00} a month min payments but the min payment still included the cost of the card security but I decided it did not make sense to still pay since I canceled it well ahead of time. I paid {$99.00} instead. And I was given a late fee. I got the late fee refunded on the grounds I had cancelled the card insurance. But then I was being told I missed a payment and that this was an attempt to collect a debt. I found out when my card was declined while in line shopping at Lowes. I looked at the card yesterday no problem at all. Then the fact that they are treating me as if I made no payment at all and As if I had been passed due for 3 months. The due date was no more than two weeks ago and I paid {$99.00}. I was never late nor had I ever missed a payment. Synchrony bank has reduced the limit on 3 of my other cards and now they have closed my Lowes cards. I was never late or missed a payment other than this one although I think its against my rights not to lower the minimum payment after I canceled the card protection. I feel they are targeting myself and other people in lower middle class as financial profiling. They do not want normal people like myself owning their cards. They unfairly did not correctly reduce the minimum payment which after canceling the card security program should have been done. This is a clear violation of my rights under the fair credit act. They did not reduce the minimum payment and then when I paid what I felt was due they said that I completely missed a payment and then they closed my card, thus impacting my credit score negatively! I know they are also targeting me because my wife is well past due on many of her cards. This is also incredibly discriminatory and I will filing a class action law suit for the numerous violations they have made on my rights as a consumer!
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| 11/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/2022 I called JC Penney 's XXXXSynchrony Bank Customer Service XXXX XXXX XXXX ) XXXX and I spoke to XXXX ( XXXX ) and I advised him that my payment was going to be late. The payment was due on XX/XX/XXXX but I couldn't pay it until XX/XX/XXXX, XXXX said my cycle starts on XX/XX/XXXX and that I would need to pay {$400.00} if I pay on XX/XX/XXXX and I would still need to make a payment of {$400.00} on XX/XX/XXXX. I told him the amount due is {$190.00} not {$400.00} he became very irate and started yelling at me and begun being condescending. He refused to accept my payment on XX/XX/XXXX and I was getting nothing resolved so I asked to speak to a manager or a supervisor, XXXX kept refusing my request he said they're going to tell you the same thing so he would transfer or put a manager/supervisor on the phone XXXX ( XXXX ) times a asked for a manager/supervisor. On XXXX XXXX I called to make a payment I was transferred to a customer service representative I tried to get my account straightened out once again I got know where. On XX/XX/XXXX I spoke to XXXX she insist I pay {$440.00} not the {$190.00}. On XX/XX/XXXX I spoke to XXXX she request I pay {$310.00}, then it increased to {$440.00} then final request offer was {$690.00}. They tried extorting money from me. They then called the credit bureau everyday with inquiries damaging my credit scores in retaliation against me they also closed my Synchrony Car Care account I never paid late nor have I missed any payments just another attack on me, I only found out my Car Care card was closed when I called in to pay my bill and the automated system advised me of that, Synchrony Bank made false statements to the Credit Bureau 's. I don't know what more to do. That Bank has taken over several companies and I'm afraid they will closed the rest of my other cards in retaliation of this situation. They need to be investigated I quite sure I'm not the only consumer they have violated. They also kept raising my interest rates when they were XXXX percent my rates were over XXXX percent. They are unethical in their business dealings. I have sent letters to Synchrony Bank ( all three ( XXXX ) of the addresses in Florida, Utah. Synchrony Bank calls my phone, leave text messages and voicemails everyday but they will not resolve said issue.
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| 12/21/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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OnXX/XX/2016 I called the number listed on the Synchrony Bank/Sam 's Club Master Card website for a locked out password, Phone # # XXXX. The representative asked for my last XXXX digits of my social security number, my phone number, my cell number, my husbands last XXXX digits of his social security number, my mothers maiden name. All were given correctly. According to the representative that when the XXXX different phone numbers were entered into the system they could not be used to verify my identity, there fore the only assistance that she could give me was to send out a letter via United States Postal Service with a code. When I received that code then I could receive assistance unlocking my account and resetting my password. I then inquired if she could tell my the last transactions on my account. She said she could not due to the fact that I locked myself out of my account and this was to protect the account from fraud. It seems to me that this policy is opening the door for fraud because there was no way for me to verify the transaction. I instructed the rep to close my account. A couple hours later I called the number on the back of my card XXXX. I was identified by my home phone on file that I called in on and the last XXXX digits of my social security number ( the same verifications that I gave above ) I explained the situation to the rep. I told her I would like a list of my last transactions ; She was very helpful and was able to give me a list of my transactions. All the transactions checked out and were mine. I then asked her if my account that I closed out 2 hours be fore could be re-opened ( buyers remorse ). She was not able to. I then inquired about my rewards points and she informed me that the rewards points had been forfeited upon cancellation. She transferred me to her supervisor - XXXX - XXXX to see if he could be of further assistance. He was not able to reopen either and his response was " you were read your rights and the account is canceled per your request and can not be reopened ''. What I am asking for is that my account be re-opened and that the rewards be reinstated. I am also asking that your process for resetting an online password be re-evaluated. It is greatly flawed and if my card and points are not re-instated has lost you a good customer.
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| 06/07/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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on XX/XX/XXXXI purchased an item from Amazon.com for {$79.00} with differed interest for payment within six months.
on XX/XX/XXXX I purchased an item from Amazon.com for {$79.00} with deferred interest with payment within six months.
on XX/XX/XXXX, I purchased an item from Amazon.com for {$420.00} with deferred interest with payment within six months.
On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was not charged any interest charges, even though I had the two different charges with deffered interest for payment within six months. I paid them {$7.00} on XX/XX/XXXX. My previous balance was {$7.00}, my payment was {$7.00} and purchases/debits was {$230.00}.
On my statement from Synchrony Bank/Amazon, which has the closing date XX/XX/XXXX, Synchrony Bank/Amazon charged me {$1.00} in " interest charges, '' even though I made a payment of {$77.00} on JXX/XX/XXXX. My previous balance was {$230.00} ; purchases/debits were {$600.00} and my new balance became {$760.00}.
On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was charged {$1.00} in " interest charges, '' even though I paid {$64.00} on XX/XX/XXXX My previous balance was {$610.00} ; purchases/debits were {$21.00} and my new balance became {$570.00}.
This is not the first time I have purchased an item with differed interest from Amazon.com and have been charged interest fees. In XX/XX/XXXX, I had a refund for the ( less than {$2.00} ) interest fees from that purchase. I can produce paperwork in the future.
I am so tired of calling them to refund XXXX dollar here and there. It is so ridiculous and when I call customer service at XXXX, they tell me I can allocate my payment through their website. I am not a person that will ever trust Amazon.com to house my payment information. They have been hacked before and probably will be again. I want to pay them from my secure credit union 's online payment center and NOT call them every time I receive a statement! My other accounts, like XXXX XXXX and Lowe 's do not have problems doing this allocation ( although XXXX XXXX used to years ago ). Please HELP all the customers of Amazon.com with Synchrony Bank accounts who believe that they can purchase something with deferred interest! Thank you!
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| 10/16/2015 |
Yes |
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Web |
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I returned to the XXXX several years ago after being out XXXX working for several years and finally checked my credit report and found I had a Charge-Off from Synchrony/JCPenney from a credit card that had been opened while I was out of the country working I tried calling Synchrony many, many times trying to get information and report it as a fraudulent account and was told by their customer service employees that they had no information to give me and that the account was originally serviced by GE Money and they never received anything from them whey they took over the account? They told me that I had to contact the Collection agency XXXX XXXX and that if there was any paperwork to " Validate the Debt '' they would have it.
I started sending Debt Validation letters to both Synchrony and XXXX XXXX in XXXX of this year ( 2015 XXXX and neither company responded as required by U.S Federal law? Finally when I hired an attorney to sue XXXX for failure to validate the debt and for illegally reporting false information to the credit reporting agencies they immediately contacted me and notified me that they indeed did not have the information to Validate the Debt and that I was no longer responsible for the debt and they would contact all XXXX credit reporting agencies and remove the false information.
Synchrony on the other hand is the worst company I have ever had to deal with in my entire life they are continuing to report the debt even though they can not even validate it and they have yet to respond to even XXXX XXXX XXXX XXXX of my debt validation letters and they do not care that they have no records to back up their claims and yet they continue to illegally report false and negative information they will not even give me any information how to contact their legal department to serve them for lawsuit its pretty bad that this country lets crooked companies like Synchrony operate and it is really sad that you have to resort to hiring an attorney.
I want them to comply with U.S Federal Law and provide me with the information they are required to by law ( Validate the Debt ) immediately and or remove the false account from my credit reports. This has gone on far to long and I am paying much higher interest rates on all my credit accounts because of their illegal reporting.
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| 10/30/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
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| 09/06/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
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| 02/26/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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Synchrony Bank agreed to delete a hard inquiry on my credit report for a Wal-Mart card.
Instead they are forcing me to have a hard inquiry for a card we dont have or want and couldnt be processed.
They couldnt access my reports and did not get permission to access ( fraud alert placed on all agencies-actual identity theft issue ).
They did not send any documents for deletion, which they claimed could be sent by mail only, for the deletion or reduction of the inquiry to soft pull.
They argued that I had chosen to apply and couldnt back out because of their agreement.
Synchrony seems to try and bully people not interested in their store-only accounts into having accounts they dont want. My credit file had a fraud alert and both XXXX and XXXX were locked and frozen when these occurred, I had unlocked XXXX to do prequalified card offers only.
They had three applications and said they would not process them, but I received emails saying they had processed the applications, and claiming they were unable verify my identity over the phone.
I had actually verified to them at least five times giving them all the info for their records in order to be allowed to discuss the accounts with them, but it was as though they were creating an application while I was protesting, telling me I wanted the card and couldnt stop them from processing.
I explained to Synchrony that I had visited several of their sites in the past but hadnt applied. I told her I had visited WalMart site but only saw partial details comparing two cards. Synchrony argued I had provided them my full SSN and identity info ( which now they claim they dont have ), but they only had the info because they forced me to give all the info to them the first time I called, and every call after. WalMart isnt allowed to build stores in XXXX XXXX, so its obviously unusual pressure to apply for the card even after they ignored my fraud alert.
I need the inquiry to be deleted. The application was never processed and no one contacted me for authorization prior to access any credit reports under the fraud alert. If they had called I could have stopped the inquiry by letting they know everything was locked. I have a police report for an extended alert as well because I have provided an address from actual identity theft event.
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| 11/30/2023 |
Yes |
- Credit card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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When I set up this account, I paid it on time every month, shortly after, I set it up for auto payments from my XXXX account. A few months ago I decided to keep some of my bills separate for better budgeting. I soon decided that I wanted to pay my Rooms to Go account from my XXXX XXXX account. I did forget to switch this auto-pay, however, their system is outdated.
In XXXX I received a text from Synchrony Bank stating that payment didnt go through, of course it didnt, I didnt have the funds in that account so I logged in and paid it from my XXXX XXXX account XXXX no issues there. XXXX, the same thing, a text saying it didnt go through only this time the account says no payment due. So I pushed a payment through as a one-time payment for the {$170.00}. Two days later I got the same text and the account says the same thing, no payment due at this time. I thought something went wrong so I submitted the payment again. The next week I received another text, only to find that when I logged into my account, it was closed! I didnt close the account, I didnt even receive a customer service phone call in regards to the account being closed.
When I called and spoke to a manager, I was put through to the rudest woman, and I could not believe even held that title at a company, just awful and I wish for someone to hear the recording. She didnt care about the situation, she said they closed the account for dishonorable payments, even though they were paid! To make matters worse, out of anger I transferred the full amount to one of my credit card accounts, only to find out a few days later that I had overpaid because of the texts that I kept receiving from them and they didnt even have the decency to return the money to me. I had to ask for it back, I wonder if I hadnt, how long would they have kept it permanently?
The icing on the cake was that I have 3 other accounts with Synchrony Bank, in which they all followed the leader and lowered my credit lines, which then made my XXXX XXXX credit card follow suit and they lowered my credit line as well, dropping my credit over XXXX points and just yesterday I was denied the small business loan that I have been working towards and can not at this time open my new business in XXXX as expected and the franchise is not to pleased with me.
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| 06/16/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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I'm in receipt of your letter and made attempt to contact you but your voicemail is hard to understand. You indicate that Synchrony Bank complies with all laws which I say that is incorrect. 1 ) According to Section 4021 Credit Protection During Covid-2019 Fair Credit Reporting Act that was amended and impose due to COVID -2019., the amends Act, The : Credit Reporting. Section 4021 ( Credit Protection During COVID-2019 ) amends the Fair Credit Reporting Act to impose new COVID-19 related reporting requirements on furnishers of information to consumer reporting agencies. Under Section 4021, if a furnisher ( for example, a financial institution that lends money to consumers ) makes an accommodation with respect to one or more payments on a credit obligation or consumer account, the furnisher should continue to report the account as current if the consumer fulfills the terms of the accommodation. However, for accounts that were already delinquent before the accommodation was made, then the furnisher is permitted to continue reporting the account as delinquent unless the consumer brings the account current. This new reporting requirement does not apply to consumer accounts that have been charged off. These furnisher responsibilities will apply to reporting on accommodations made to consumer accounts between XX/XX/2020 until 120 days after the end of the COVID-19 national emergency. My account was not late before XX/XX/2020 and it should not have been terminated. 2 ) You was notified that I was unable to work because you received payments from the third party insurance who contacts you to obtain account information before making payments. It is clear that non of my accounts were past due or reported past due prior to the Pandemic therefore for Synchrony Bank to close an account during the Pandemic time knowing what people are facing nevertheless, still receiving payments was a way to help damage consumers credit. It is my understanding that during the Pandemic, the Cares Act/Fair Credit Reporting act supersedes the consumers contract. If your position remains the same and you feel that your actions did not pose a hardship on consumers and is within compliance with the Cares Act & Fair Credit Reporting Act then I will have no choice but to follow up in court with legal actions.
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| 11/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I have a XXXX XXXX Visa credit card. When I attempted to use it for a purchase on XXXX XXXX 's website, my card was declined ( my account is not past due and there are no issues with my credit limit ). I then logged into my XXXX XXXX credit card account online. It prompted me to activate a new card. While I have not received a new card in the mail, I thought I needed to input the information of the current card in my possession. I did this, and it said my card was activated.
However, the card in my possession would still not work for the purchase. I called the XXXX XXXX credit card customer service. They stated that there had been a security breach in XXXX and that I had been sent a new card and the card in my possession had been deactivated. BUT, I did not receive a new card in the mail.
This is AT LEAST the second time XXXX XXXX has claimed to have sent me a new card in the mail, but no card was actually received.
Additionally, while XXXX claims to have deactivated my OLD card due to a breach and sent me a NEW card in XXXX, I was able to make purchases on my OLD card in XXXX.
The three primary issues now are : ( 1 ) whether my new card was lost in the mail or never sent, the NEW card ( not in my possession ) is now ( according to XXXX ) activated because I input my OLD card information when prompted by their website to activate a card. It is a security breach for the system to allow me to input my OLD card information to activate my NEW card that was never actually received. Had I not called them, the NEW card I never received could have remained activated for a third party to use ; ( 2 ) if there truly was a security breach in XXXX requiring a new card, why was I still able to use my OLD card through at least the end of XXXX?
( 3 ) because XXXX deactivated my card without my knowledge and I never received the new card they supposedly sent ( again, this has happened before ), I am unable to use my card for XXXX XXXX promotions and discounts ( the promotions and discounts require the use of a XXXX card ). The whole point of having this card is to get these discounts and promotions. By the time I receive a new card, the promotion will be over and the products could be sold out by the time there is another promotion. Again, this is a repeated issue with XXXX XXXX.
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| 04/10/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The purchase made on XX/XX/XXXX at the Ashely store in XXXX XXXX XXXX, GA for the total amount of {$2700.00} was not signed by me. This specific store has orchestrated fraudulent steps. Which led to the delivery of the wrong items ordered and sent. The attached signed sale XXXX sale for XXXX does not have my signature. All items were cancelled at the store. I have attached a copy of my drivers license for you to match signatures.
Returned the next day XX/XX/XXXX, I ONLY made 1 purchase on XX/XX/XXXX ( Where is this sale receipt? ) 1 bed frame for {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX : XXXX Instead, Ashely sent XXXX XXXX XXXX XXXX XXXX : XXXX.
As soon as I realized of the error. I rejected the delivery, I contacted Ashely store in XXXX XXXX, I tried talking to several people, I never received a response.
I have attached a copy of my drivers license for you to see how this specific store has managed to falsely print my name on their documents.
I sent a certified letter on Synchrony bank it was received XX/XX/XXXX USPS tracking XXXX requesting an investigation. Its been more than 30 days without a response If synchrony made a proper investigation, synchrony would have realized that Ashley made a BIG mistake, they ordered the wrong items that I DID NOT approve, Ashley made a huge typo in my order, so they sent me the wrong item, Ashely sent Item : XXXX INSTEAD of Item : XXXX. Can you not see the error/ typo, the BIG ERROR Ashely store made?
And they still have not corrected?? I didnt no authorized or approved for item Item : XXXX to be sent to my home., I didnt signed for the sale, In addition, Ashley store had not contacted me or have try to resolve the issue, I have made several attempt and they never call back either. I have been in touch with XXXX ( store manager ) and XXXX ( office manager ) and no resolution.
Needless to say, Im terribly dissatisfied with Synchrony handling my case. I, in no way should be responsible or pay for items that I didn't order, authorize or approve and most importantly never received.
Briefly, I am requesting synchrony to correct the error on my account promptly, that any finance or other charges related to the dispute amount be credited to my account, and make Ashely store take responsibility Sincerely XXXX XXXX
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whomsoever it May Concern ; This about consumer credit transaction entered with your company XX/XX/XXXX and I extended your organization the credit for the account no XXXX.
I hereby give your company notice XXXX to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement.
According to 15 USC 1602 ( 2 ), the term adequate notice means a printed Notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning .Such notice may be given to a cardholder by printing the notice on any credit card, or each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
Since adequate notice was not given as per the above mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( K ).
Further pursuant to 15 USC 1601 ( A ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it resulted in multiple billing errors, and unfair card practices.
From your end I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).
According to 15 USC 1602 ( p ), The term Unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.
I hereby request you to do the below mentioned XXXX. Remove all late PAYMENTS Ive been affected dramatically by these billing errors, denied for rental agreements and more. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages.
Thank you for your attention to this matter Sincerely XXXX XXXX
|
| 10/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
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On XX/XX/XXXX I mailed them a payment totaling XXXX, which was the balance of the statement dated XXXX. The mail was stolen out of the USPS system and someone fraudulently cashed the check. ( still working with XXXX Bank on this and it hasn't been easy ) This was not the fault of Synchrony however because the payment never made it I was subject to interest and late fee. These fees showed up on my statement dated XXXX. I called on XXXX and they reversed them and I paid the past due balance.
The statement which would have been dated XXXX was either never sent to me or I didn't receive it through the USPS ( I didn't have an online account with them at the time ) so I had no way to know money was owed since I only use the account every so often. They texted me XXXX about a past due payment. I created an online account since their phone system is awful. I tried to pull the missed statement on their online portal but they don't post statements online ( only bank I have ever seen that doesn't give PDFs of statements ). I then called this morning to try and resolve the issue and they said they can't due anything and the account is now " an attempt to collect the debt ''. I have almost perfect credit and this company is not willing to work with me. They stated they can't waive the fee even though they didn't send me a statement and their own online portal doesn't allow anyone to pull a statement. They also said they can't waive the interest because the account is past due. She then asked when I would be making the past due payment and I advised I needed to see something in writing since they haven't sent me anything yet.
I am reaching out to CFPB because this company failed to send me a statement to collect payment and is now blaming me. I understand the check theft isn't their fault and appreciate they worked with me then, but now that payment was not received because of them they are essentially blaming me. My next step once I receive something in writing from them is to push back in writing contesting everything since they have no proof a statement at the end of XXXX was ever issued. ( Since I can't pull it online and they didn't send one in the mail ).
All I want is to close this account ( which they said I have done ) and pay off the balance for actual charges I made.
|
| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
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Syncb / Car Care XXXX continuously report inaccurate information to the credit bureaus for a credit card that I am joint owner on. I have disputed this account with all three credit bureaus, and while two of the three bureaus deleted the account from my report, XXXX continue to report this inaccurate information. I disputed this account twice with XXXX, and they failed to do their due diligence to ensure the legitimacy of the information reported. They reported back that the information is accurate as report, but that is NOT true!
According to XXXX and Synchrony, 60 % of the payments were 30-59 days past due with the first past due payment being reported in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The card was charged in XX/XX/XXXX. The first bill was due in XX/XX/XXXX. Someone please explain to me how the account could be 30-59 days past due on the first bill?
Below is a payment history the life of the card ( bank statements verification available upon request ) : XX/XX/XXXX : {$280.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$230.00} XX/XX/XXXX : {$440.00} XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$500.00} XX/XX/XXXX : {$200.00} As you can see, regular monthly payments have been made since this account was opened ; however, XXXX shows the account was 30-59 days delinquent in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Likewise, as of today, XX/XX/XXXX, Transunion shows the account is currently 30 days past due. Needless to say, that is inaccurate!
The joint owner on the card called Synchrony repeatedly for failure to apply payments to the account. When this first came to my attention the account was reporting to the credit bureaus as being over 90 days delinquent. After calling the company, it was discovered they were not applying the payments correctly, although the funds were being drafted from our bank account.
Both XXXX and Syncb/XXXX are providing false information that is having a negative impact to my credit score. I have tried to resolve this with both Synchrony and XXXX but have not gotten anywhere with either company. The joint owner on this account was successful with getting the account updated with XXXX ; however, they refuse to update mine. This is unacceptable!
|
| 02/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I got a Paypal Mastercard ( from Synchrony Bank ) at the end of XXXX ( 2 months ago ), solely because of their attractive cashback program. Last week, when the card was suddenly declined, I discovered that Synchrony had closed the card due to me being " an extreme credit risk '', which was a fraudulent act to begin with. I am the farthest thing from an extreme credit risk - not only did the card only have a $ XXXX limit, the paypal account it was attached to had usually had $ 20k-40k in it for at least a decade now. And in my credit history the payment history on my last card was $ 20k- $ 40k a month paid in full without fail for at least a decade now. My credit rating is typically around 700.
Since it happened so quick, it's obvious that they're doing a monthly review of cashback accounts, finding the ones that are costing them money ( like me ), and then closing them under false pretenses. Complete cheating and false advertising, maybe not XXXX XXXX level but seems to me to be same concept.
so I was going to file a complaint about this anyhow, as the research I did about Synchrony Bank ahead of time had a strong " caveat emptor '' flavor to it and people like this need to be exposed.
BUT, it got worse - yesterday I went to pay off my remaining balance, partially using the {$700.00} in cash back credit I had built up in the last 2 months, but lo and behold, the cash back credit ( the only reason I got this card ) is gone. A quick call to Synchrony revealed that card terms include forfeiting any accumulated cash back if the account is closed for any reason. I've attached a screenshot of the cashback rewards summary on the paypal site- {$0.00} available, but a lifetime ( last two months ) of {$690.00} that I was not able so use until they revoked it.
so there's your fraud, wrapped up in a neat bow - I got a card because of the cashback offer, I use it too well so they close the account for a fraudulent reason, and they then proceed to confiscate the rewards they gave me for using the cashback program. If that's not a scam then I don't know what is.
I am 100 % willing to participate in any kind of class action suit or mass complaint against this company - obviously they're not going to stop misleading consumers unless there is some kind of tangible disincentive.
|
| 05/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
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My complaint is against Synchrony Bank and the way the Credit Reporting Bureaus Report on my credit report after I paid a debt in full. I had a Synchrony Bankcard for XXXX XXXX. However due to a couple of job losses the creditor Charged Off on XX/XX/XXXX. I lost my job and a substantial income in XX/XX/XXXX - could not find a job until XX/XX/XXXX making way less but still had the intent to begin paying for that debt as soon as I was able. At the time I was struggling to pay a {$1000.00}. mortgage payment while existing off of {$1100.00} per month in unemployment benefits until I was able to secure employment. In XXXX a lien on my home was placed for the amount owed to Synchrony Bank for {$1200.00}. In order to pay off what I owed I had to take out a personal loan for the full amount. I paid the entire amount owed on this debt vs. settling on a lower amount. My problem is that I was told that Synchrony would remove this completely from my Credit Report - especially since I paid it in full. There was No Monies Charged Off or not collected owed on the original debt. I believe XXXX had removed the negative information ; however XXXX XXXX and XXXX continue to report negative information. Regardless that it says I dont owe anything its still being reported as In Collections/Charge Off and Payment Made After Charge Off which makes a potential creditor think Synchrony wrote off bad debt when they didnt. I paid the full amount which is why they need to remove this negative mark on my credit. Also if you look at my credit no matter how I pay on time each month my credit score remains low which gives creditors the right to charge higher interest rates. This is unfair and gouging - setting a consumer up for failure. Extending credit is the chance to pay off over time why must the consumer be gouged by higher interest when they need to continue to maintain a good score. Someone needs to re consider how a consumer whose paying on time the best they can. To say if you paid more each month goes against the agreed minimum amount. At this time Im doing everything I can to rebuild my credit from XXXX after job losses, and its almost futile the way Creditors and the Reporting Bureaus treat consumers who have limited incomes but still make their payments on time after suffering hardships.
|
| 06/12/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
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I received an statement dated XX/XX/2019 including fees and amount past due with a new balance of {$840.00} and Synchrony Bank is refusing to properly and accurately solve my dispute bellow : I made several attempts to receive assistance from Amazon and Synchrony Bank but I receive extremely poor assistance and no assistance at all while requesting account number XXXX to be updated and to investigate any unpaid balance and phony gift cards as form of credit. Such account should have a credit balance and it should be mailed to my address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX and payable to XXXX XXXX XXXX.
All or any correspondence must be in writing and sent to me by certified mail.
You should send me a refund, investigate with any merchant the validity of any unpaid balance and or send me the merchants and reason for the unpaid balance information for me to escalate the situation personally. The account number regarding this matter should be permanently closed with zero balance.
Respectfully, XXXX XXXX XXXX____________________________________XX/XX/2019 CC : CFPB Amazon and Synchrony Bank are not responding to solve disputes and hide credit by not disclosing that returned items are not credited to store card balance saying credit was applied but never applied and when asked they say a gift card was issued but nothing is issued.
I am not aware if business malpractices are still on going because I closed my account.
The real resolution is stated above and Synchrony Bank must stop calling me so many times within a day because I did call Amazon and Synchrony Bank many times and they both did not solve my request to properly apply credit and close the account.
In addition, I don't accept any phone calls because all has to be in writing and the letter I sent on XX/XX/2019 was ignored and the resolution has become harassment when in fact I should be reimburse for being required to make payments when they both were refusing to apply credit and close the account.
Feedback XX/XX/19 Company is misleading and deceiving by using old settled data within the account in question and such do clearly avoid my dispute and demand to provide account closure and refund or to directly investigate the any current balance which was not in any shape or form solved.
|
| 01/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
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I had a conversation with the XXXX XXXX located at XXXX XXXX last XXXX XXXX in XXXX to get my glasses supposed to be, however I declined because I felt I was being ripped off, a pair of glasses worth {$720.00} despite the fact I had an insurance coverage deductibles worth XXXX. The lady had signed me in a credit line for an installment plan, she said its like a credit card, no need to worry because its an installment plan and I said ok but I did not authorize her to make any payment because per agreement I have to give her my prescription before the order will be conceived. And when I went home I called my insurance to ask for a second opinion since this is my first time to deal with my eyeglasses with respect to insurance and my insurance said that it was too expensive so I called the other day to inform XXXX that I am not going to continue with the said transaction, I even sent an email to them to cancel it because I can't afford it but unfortunately they did not reply.To summarize after few days, I receive a bill from synchrony bank ( care credit ) regarding eyeglasses, so I called the customer service of care credit synchrony I told them that I did cancel the transaction from XXXX XXXX. And the customer service said that they already filed a dispute regarding my transaction so no need to worry. A month after I received a bill again from synchrony and I called again, I told them why I am receiving a bill? I had no purchases. I thought you have already taken care my issue, I said to the customer service. So they told me again they already escalated the issue and there is nothing to worry about. Again another bill came to me this XX/XX/2019 this is the fourth bill, stating that I had to owe them something. I told them I am going to file a complaint because they did not take my concerned seriously. It gave me a stress every time I receive a bill from them bearing the fact I don't have to owe anything. I feel I am being ripped off of these two companies to let me pay for nothing. I called them to and pro but nobody has taken care of my issue what matters to them is the money they can get from me. I really want to resort to file a lawsuit for giving me a stress and worrying about my credit score. I am hoping that someone can help me resolve my issue. Thank you so much.
|
| 02/28/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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Sychrony Bank has behaved negligently in the fraudulent issuance of credit under my name.
My personal data has been stolen, probably as a result of the XXXX Hack. I first learned of this in XXXX 2017 when someone opened a credit card and forwarded my mail. I intercepted that effort, placed a fraud alert with XXXX ( which passed to XXXX and XXXX XXXX automatically ). Then I began actively monitoring my data with an online service.
Moreover, upon review of my credit report on about XXXX XXXX, 2017, I saw that Synchrony had pulled my credit report on XXXX XXXX, 2017. I called to alert them to the fraud on or about XXXX XXXX, and after I identified myself ( giving my Social Sec. Number ), they informed me that an online application was received and declined XXXX XXXX, 2017, but that they would put a fraud alert on my information, noting that the application was fraudulent.
I received an alert from my monitoring system of an issuance of credit yesterday, XXXX XXXX. It was from Synchrony Bank, which had issued a major credit card in my name, despite the fraud alert I had given them directly weeks ago, and despite the fraud alert currently on my credit report. They did not attempt to contact me. Moreover, they issued the credit despite an inaccurate date of birth given by the applicant.
After two hours on the phone, I found that the initial credit report from XXXX XXXX had been received under an incorrect social security number, hence the fraud alert did n't trigger the second XXXX ( this despite that I had called them directly with the correct SS # ). The representative explained that their system attempts to correct for minor typos. The clear implication is that applications are matched despite typos, but fraud alerts are not. Moreover, the fraud alert on the actual credit report, which they received XXXX/XXXX/17, was simply ignored.
This smacks of extreme negligence, if not outright complicity in the fraud. I have been assured by Synchrony that my fraud alert with them is now completely integrated with my data, and will not be circumvented. However, it is a bit hard to trust them.
Also, I should mention that my mail has been forwarded, twice now, in order for the perpetrators to receive the credit cards issued. I have filed a complaint with the postal inspectors.
|
| 11/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I have been dealing with payment issues with PayPal credit for almost two years. When account was opened I signed up for auto payments, as I do with all my credit cards. In the beginning it seemed to work, sometime in XXXX of XXXX payments were not made automatically, even though I still received emails every month telling me it would happen. The day after the due date, I would get an email telling me my payment was returned by the bank. This was an automatic debit, not a check, so nothing was returned. They closed my credit account. I sent a certified mail to them, which I never got a response to. They did seem to open my account again, not sure. The payment problem continued, same as above. I had been going to my account, via the internet and making payments to make up for the ones they did not take, of course these are mostly late, due to the emails saying the payment was received, then the email saying it wasn't. Also, the account information for payments is still on my account and this is the same info used for the payment, they claim they can't make. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I finally sent them another certified letter in XX/XX/XXXX, explaining again the problem. No response to the letter. When able I tried to get back into my account via the internet and my access was denied. I then attempted to use my PayPal app, access denied. I still am receiving the emails about the payment coming out, payment received and then the day after due date, payment returned. I have copies of the most recent to forward to you, as well as the certified letters I sent. Here are my issues - 1. The have charged me almost every month a {$40.00} late fee. 2. They may have charged me a returned check fee of {$27.00}, each month. 3. I have no access to my account, so I can not get past statements to know what they charged, 4. THEY HAVE DESTROYED MY CREDIT. As of this month I see that PayPal credit did not send me my usual e-mails, I did get an email from Synchrony Bank. After all this time dealing with PayPal and hearing of what they were or trying to do with companies, ( XXXX charge ) perhaps Synchrony is taking over? Not sure. I can't help to wonder if they are doing these things to people on purpose, for financial reasons.
|
| 03/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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I had a SYNCB/XXXX XXXX XXXX that was solicited to me while checking out at XXXX XXXX one day. For a long time I was able to maintain an excellent payment status with them for many years. Then my son was diagnosed with a XXXX XXXX and I had to pay copays and deductibles for his healthcare, and medications. My Husband suffered a XXXX XXXX, and then my son developed XXXX During this time my payments became sporadic and due to the added fees and penalty 's I could never get caught up. I called and tried to work out something with SYNC and was told until I paid the current balance due they penalties would continue to be applied. As you can imagine once your behind so far there is no way to catch up with the additional fees and penalties.
I eventually opted to close the account and go on a payment plan of {$73.00} per month. During the next few years I made payments from XXXX to XXXX per month in an effort to pay the account off as quickly as possible and try to repair my credit. During that time I missed no payments and was able to pay the balance in full XXXX of XXXX. I have just pulled my credit report and called XXXX and SYNCB and requested that they do anything they can to remove this derogatory remark from my credit report and they have advised me that it is there until XXXX. This is very disheartening as I worked very hard to correct my mistake and I kept my end of the bargain. Can you advise me of any way that this negative report could be removed. I just really want to improve my credit score and not feel as though I am being held prisoner by this negative report. Much like a prisoner who has served time I feel like I have repaid my debt to society and would very much like to not feel like this is over my head. The account in question is XXXX XXXX XXXX XXXX.
I recently purchased a newer car and they ran my credit for financing. I now have 3 hard inquiries that will bring my score even lower for 25 months. I really find it unfair that just an inquiry to find a finance company can have such a negative impact on my score. I did not choose these companies nor was I really aware that it would be run multiple time. It seems that this penalty should be eliminated from all credit reports as a derogatory mark against someone looking to better their current situation.
|
| 11/18/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
This is the second time that this creditor, Synchrony Bank, has erroneously closed my account that it 's in good standing. A credit increase was granted and there were no issues for many months. Then, I received notice that the limit was decreased and subsequently without any notice, the account was closed within a couple of weeks. I called to inquire and once again, I was told that I called to cancel the account in XXXX of XXXX due to fraud. Interestingly enough, I was able to use the card in XXXX of XXXX. I never called with such requests and their representative, just like last time, insisted that someone called and verified all my credentials to close the account according to their records. They had the audacity to state that they verified that it was from my cell phone, the number on file, that they received such call. I informed that that I could provide them with a detailed call log that would prove otherwise. I informed them that this has happened before and requested to speak to a supervisor. This individual was able to confirm my suspicions. It was happening all over again. I 'm currently disputing two ( 2 ) fraudulent accounts on my credit report which have nothing to do with the others that are in good standing. For some reason, when the creditor receives this notice, which is not an account being disputed, they fail to properly conduct an investigation or confirm that the account is legitimately mine. I 've had this account for years now and I would like it to be restored to the last credit limit, the awards earned re-instated and a replacement card overnight to my address on file. I can not believe that a company behaves in such manner especially when payments are being made on the account. Do they think that a fraudulent account will be getting paid over the years? I wish that they would take better steps to verify the account prior to closing it without reason. If every time I dispute an account or an item on my credit report that has taken years to be resolved they close the account, they 're not doing good business practices. I understand that they have to protect themselves, but the consumers who keep them in business should also be protected. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.
|
| 03/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
I have enjoyed the use of a Synchrony XXXX VISA credit card for 2-3 years. Based on my credit score and subsequently my payment history, I began with a credit limit in excess of $ 6k, which gradually increased to over $ 9k and finally to over $ 11k.
A few months ago, included in my monthly statement was a notice from XXXX stating, " To Our Valued XXXX VISA Credit Cardholders : We regret to inform you that, due to the current market environment, the XXXX Visa Credit Card program is ending. You can continue to make purchases using the card until XX/XX/XXXX and redeem your earned rewards points until XX/XX/XXXX. We encourage you to use your points toward the purchase of a new XXXX ... or to apply your points towards your current credit card balance in the form of a statement credit. '' ( Based on their previous written explanation, my current points equate to over {$260.00} which I intended to apply to this month 's bill. I am allowed to redeem points XXXX {$300.00} per year. ) After I was unable to redeem the points online, I contacted XXXX 's Customer Service Department ( XXXX ) at XXXXXXXX XXXX on XX/XX/XXXX to get assistance in redeeming the points as a credit to my account. The representative ( XXXX in the Mo. office ) informed me that his records did not show me having ANY rewards points, to which I informed him that my current statement ( received this week ) shows me having over 26k points ( based on my charges in excess of $ 13k since XX/XX/XXXX ). Upon speaking to Supervisor XXXX, ID XXXX. XXXX ( at my request ), I was informed at an extremely accelerated speaking rate that while the rewards points are still redeemable til XX/XX/XXXX, a decision was made not to allow me to redeem my points. He could not give me a clear response as to why my account was singled out in spite of my current statement indicating otherwise. It is worth noting at this juncture that my account has been paid in an EXCEPTIONAL and TIMELY manner since its inception, generally carrying a " XXXX '' balance at the end of each month. I don't think I EVER made a " minimum '' payment.
I would appreciate a response as to whether this has been a deliberate deceptive business practice and/or whether other practices/policies generated this action regarding use of the earned rewards points.
|
| 06/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have had an account with XXXX XXXX for about 5 years now. Around 2 years ago we converted to using this card for all of our daily purchases due to the rewards program. Typically in a month we spend around 4-5k a month usually paying in full. The past couple months we have spent more than usual as we are in the process of buying a new house and selling our old one. During our entire history with this company we have always paid from the same bank account with NO returned payments.
We recently closed on our house on XX/XX/XXXX and I made a large payment to pay the balance in full on the card since we had spent a little more than usual the XXXX payment was submitted on XX/XX/XXXX and has debited my bank account on XX/XX/XXXX. I was not notified until I called the company to ask why I was unable to use my card that they have placed a 10 day hold on my payment. After speaking with them I was informed that no one in the company had the ability to have this hold removed and the only reason I was given was I made a large dollar payment. I brought to their attention my banking history with them, the fact I routinely make larger payments on this card, and that it had debited my account already which means the payment cant be rejected but they still claimed that no one in the company could release it. I did request the company to provide the regulation that dictates they have the right to place a payment on hold for that long as I know this time frame exceeds what is allowed under funds availablity regulations. The customer service agent did not understand what I was asking for and could not provide that to me.
This is not the first issue I have had with them. In the past 2 years anytime I have had to deal with someone in customer service they have been unwilling to resolve my issue or offering alternatives to assist me. One of these times the customer service agent actually told me that I was not a large enough client for them to assist me in what I was requesting. Another time I was told that if you arent happy with our policies then I should find another card. These issues were centered around a card that was lost in the mail and they would not provide any resolution other than canceling my card that expired that month and making me wait the 7-10 days for a new one.
|
| 06/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I received a letter on XX/XX/2019 congratulating me on my new line of credit with PayPal credit. I did not authorize, open, or request this line of credit.
Upon investigation, I discovered that a line of credit in my name, with all my details, had been opened with Synchrony Bank under the guide of PayPal Credit. They put a hard inquiry on my credit reports to issue this line of credit, and my overall credit score was lowered as a result.
An agent I spoke to in the ( arduous ) process of closing this unauthorized account let me know that PayPal has " upgraded '' some user accounts to this new credit line. Why, I don't know. All Synchrony can tell me is that the request came from PayPal, they can't differentiate between user triggered and " upgrades '' requested by PayPal.
I contacted PayPal and inquired if this is what they had done and was met with a lot of obfuscation. First, I was directed to PayPal Credit. I explained ( repeatedly ) to XXXX XXXX, the agent, that I had spoken to them and that the information I needed would have to come from PayPal. I explained this several times. It was like I was not speaking. He continued to give me information about PayPal Credit and how to contact them regardless of how many times I told him that was not what I needed.
I asked to escalate the chat and he said that he would but everyone would say the same thing because they're calibrated. He then said I would have to call PayPal Customer Service, that this wasn't possible to discuss on chat.
So to sum up, a line of credit in my name was opened without my authorization, is the sole instance of fraud on my credit report, damaged my overall credit score by issuing a hard inquiry that I did not approve, took over an hour to close the fraudulent account speaking with multiple agents at Synchrony Bank ( who all gave me different " definite '' information ), and then when I inquired with PayPal directly to see if they had authorized this, which they fairly clearly did, PayPal fell conveniently deaf and/or off the record.
Synchrony Bank didn't get my name out of thin air. PayPal is " upgrading '' customer accounts unasked and damaging their credit in the process in a misguided, illegal attempt to promote their new line of credit regardless of the cost to their customers.
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2022 XXXX, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.
Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U, S. Code 16816 In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX Creditor : SYNCB/PAYPAL Inquiry Date : XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX I AM REQUESTING UNDER FRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I look forward to receiving an updated copy of my credit report reflecting the above correction.
Thank you in advance.
Sincerely,
|
| 06/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On or about XX/XX/2022, I applied for a credit account with Synchrony XXXX and I was denied credit on or about this date per the salesperson at XXXX XXXX.
I immediately contacted Synchrony Bank to understand the basis for their decision and I was informed that they were unable to confirm my identity and that I should go to the website : verifyy.syf.com. I also informed them at that time that I am a current cardholder with their company and that I already have two accounts with them ( one closed and one open ) and that I have an impeccable payment history with their company. After several tries to upload my id in their system, the system timed out and would not accept the picture of my id and closed out without giving me another opportunity to upload the id. I contacted Synchrony Bank again ( on the same day ) to inform them that I needed to get back into the system to upload the back of my id and I was informed by the credit department that my application had already been decisioned and that it was denied.
Please note that I have an impecable credit history and sustainable income to qualify for the purchase. As a matter of fact, I ended up paying for the merchandise out of pocket instead.
Synchrony followed up with a letter informing me of the denial because ( in their words ) " we were unable to confirm your identity with enough confidence to approve your application at this time. '' The denial was in no way credit related and now I have a credit pull on my credit report that I am unable to remove in addition to not being able to open an account for an eroneous reason ( lack of identifiation ) when I clearly have two accounts with this company.
I am writing to CFPB because failure of the creditor to adequately identify an applicant who has open accounts with the subject company is failure of the creditor 's ability to adequtely process applications and causing harm to individuals by denying credit not based on creditworthiness. Attached is a copy of the letter that I received from Synchrony outlining the denial based on identity and not credit. Please note that my home address and phone number have been the same for over 15 years and there is no way that my identify could not have been known with consistent information and 2 accounts with this company.
|
| 02/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
I was made by XXXX XXXX XXXX to open a Care Credit account to pay for extensive dental work when they said they wouldn't take my XXXX XXXX XXXX XXXX anymore. I did so the day of a mouthful of extractions in prep for dentures. I was told you had XXXX months of no interest. I was anesthetized heavily and after surgery so I did what I was told to do to put {$1300.00} on care credit on XX/XX/XXXX, I paid {$1000.00}, and used XXXX on balance. Eventually I needed an alveoplasty and XXXX implants for an implant supported bottom denture, so approx.another $ XXXX was put on the charge. Been paying $ XXXX month for the last XXXX months. Left {$1100.00} left at the XXXX date, XXXX days ago, when Synchrony Bank added {$700.00} interest charge to the acct stating I didn't pay it off in XXXX months. First, I was never told I would have to pay it off in order to avoid a {$700.00} interest charge on an {$1100.00} balance. I spoke with an account manager yesterday and she said all they could do was take the interest off if I paid the {$1100.00} balance by XX/XX/XXXX. I said I am a senior citizen on partial social security and can't do that. She wouldn't budge. Plus, neither did XXXX XXXX say anything about having to pay a big interest dump if it wasn't paid off in XXXX months. Plus I was anesthetized at time card was instituted on me. I couldn't have read a thing! And the girl taking payment wanted out cause was end of work day and was angry and impatient at how long XXXX processing took. Also, in XX/XX/XXXX I received a new Care Credit card in mail and I assumed it was just a newer XXXX so I activated it. Turns out it was a XXXX. I called them and said I didn't want a XXXX and that I had an XXXX month interest free deal on Care Credit XXXX I was told that was still ok to be continued, again, not a word said to me that if I didn't pay it off at XXXX month mark I would be scammed and deceived by dumping {$700.00} interest onto acct.balance. By doing that it took me over my limit and will cause my credit rating, which was above XXXX, to be destroyed. This was abuse of older person by both XXXX XXXX XXXX and Synchrony Bank without disclosure of penalties and without up front forthcoming verbally of true terms of this card. My XXXX XXXX dental card was free and never had interest.
|
| 03/21/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
XXXX at XXXX I was woke up by a XXXX man claiming to be a Police Officer. He asked if I was XXXX. I told him yes. He then wanted to know if I knew a XXXX or XXXX. I told him I did not. He then said that XXXX or XXXX had my name in his address book and it was important ( leading me to believe the man may be hurt or dead ). I repeated that I did not know him. He then asked if I lived at XXXX? I told him that I did. He thanked me and hung up. I thought it was highly suspicious and as I do n't live in the nicest area of town became frightened he was maybe looking to break in. I then called the number back and call went to his voicemail. I left my name and number for him to please call me back. I waited and phone rang at XXXX XX/XX/XXXX. He had " XXXX dialed '' me by mistake. I listened as he another man had long unintelligible conversation for XXXX minutes when he must have figured out his phone was in use and hung up. At XXXX I tried the number again and got a different man that answered. I asked if he was a Police Officer, he told me " yes ''. I asked him his name and he said a name I could n't understand, I then asked him what city he worked for, and he became flustered and I finally just asked if he worked for XXXX County and he said yes. I asked his badge number and he rattled off several numbers that were said so fast I could n't write them down. I knew they were scamming me for some reason. I was very scared so I stayed up listening for any little thing. Around XXXX, I heard a noise at my front door. I crept to the door and looked through the peep hole and saw nothing. I sat back down and about XXXX minutes later heard a " rustling '' sound at the door. I crept back to the door and saw no one there. I then decided to open my door and look around. I then found papers from XXXX Assignee of Synchrony Bank / XXXX laying at my feet outside my door. The stack of papers had been taped to the door but the tape came away from the door because of the dust. On the top right corner of the papers are handwritten : posted XX/XX/2017, XXXX, and initialed XXXX. They were not there on XX/XX/2017 at XXXX. They were posted after the phone call from the so-called police. I am attaching my phone bill showing who called and from what number. There were two different men involved.
|
| 05/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX, for committing identity theft. I have never given XXXX XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with ( COMPANY ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX, any right to collect on this alleged debt.
I have never received any documentation requesting validation from XXXX XXXX XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 10/18/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
The Ohio State Atty. Gen. Office, suggested that I get in touch with CFPB. I have a Sam 's Club MC. I pay my balance in FULL each month, & ALWAYS have. Since COVID, our mail service has been terrible. Not getting mail 6 days a week, mail being delivered after XXXX XXXX, & my mail going to wrong address. I spoke to a gal @ our local Sam 's Club. Her job is to intervene and help Sam 's Club members like myself, who are victims of fraud & legalized crime from Synchrony Bank MC!!! She talks to MANY people EVERYDAY, with the issues that I am contacting you about! I was told that this has been going on for quite some time... I was told that Synchrony does not like card holders like me, who pay off their full balance every month. They don't make the money on card holders who pay off their monthly balances. Tacking on fees & interest " daily '' to MANY consumers, is a way to fulfil their profitability. I contacted Sam 's Club Synchrony MC. I have spoken to several service reps ; and two supervisors. They are unwilling to help, not very nice to say the least, are short/rude, & just refuse to help! It is obviously their MO. One supervisor actually told me, that COVID & mail delivery, is NOT an issue! WRONG! ( Interesting that the parking lot for Synchrony locally is totally empty, as Synchrony employees work from home d/t COVID!! ) The Sam 's Club Rep., who could not be more nice/professional, told me that Synchrony told her that " the Sam 's Club MC, is a loan! '' As I am in my XXXX 's, have a college degree, & have had experience with credit cards ... What Synchrony is doing is fraudulent & wrong! I paid off my card in full as usual, then the new statement arrives, with fees & interest, totaling almost {$100.00}! Not getting our statement on time, Synchrony posting payment a day later on the automated service, the mail service, & COVID, is beyond our control. I look fwd. to hearing from the CFPB, in regards to this matter. Synchrony offers 5 % back on gas anywhere, 3 % back on Sam 's Club purchases, 3 % back on dining & takeout, & 1 % back on other purchases. Then they tack on fees/interest to ultimately take that away from the card holder/consumer! Hopefully Sam 's will dump Synchrony, as Walmart does not use them for the issues of concern that I have addressed...
|
| 11/28/2023 |
Yes |
- Credit card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Servicemember |
|
To Whom it may concern : Im a XXXX XXXX Veteran who decided to purchase my furniture at Ashley corporate store in XXXX FL, for the Veterans discount. When I was in the store, the associate was nice and we ordered {$10000.00} worth of furniture. However, after our purchase, everything went down hill from there. Ive ordered furniture from XXXX XXXX in the past and experienced better customer service ; yet, I didnt pay premium price ( 75 % less ) for my furniture.
1. ) I purchased the XXXX bed that came to me with a bang/scratch on the foot rail. Brand new furniture and the store nor customer service provided me with either a discount, or a brand-new replacement/foot rail. Instead, I have to wait for someone to come out and fix it. I understand if I was utilizing the furniture for some time, and I utilized my insurance ; however brand new out of the box??? That is your solution.
2. ) The store ordered the wrong mattress for me ( XXXX ) and I had to decline it. When I called the store they said technically I should have verified that on my sales slip. Are you kidding me? I spent over 2 hours picking out my furniture and then signed everything. How can I tell which mattress is on the sales receipt when it only shows the item number without a name. That is the sales associate responsibility who I worked with and spent over {$10000.00}. They ended up sending me my correct mattress/ replacement ( XXXX ), but the delivery driver brought it in a box. I paid for premium service and I received a mattress in a box?! I want either a discount/refund for premium service or a new mattress already inflated like I original received. Its still sitting in the box and I called customer service who couldnt really provide me a solution, only opened up a case number. Im a XXXX XXXX and I leave for work this coming Sunday ; I wont return until XXXX.
3. ) Some of my furniture went on sale the next week for XXXX XXXX and I called the corporate store three times to speak to the managers to get a price adjustment. Its now almost a week later and no one has returned any of my calls. Are they waiting until the price goes back up so they cant provide me the discount? Is this how your corporate stores are managed?
Completely awful customer service!! This is how you treat veterans?
|
| 12/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
Early last year XXXX 2019 ) I was sent to an XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX and my XXXX XXXX resulted in my being sold a XXXX XXXX I was told I could return the device and receive a refund if I had a problem. Synchrony Bank financed the purchase. I have had several accounts with this company in the past for Care Credit XXXX XXXX, XXXX XXXX XXXX, and a mattress company. I go to Synchrony 's website and all the accounts are posted and they send me a paper bill for each account every month.
When I got the XXXX XXXX I expected to receive a paper bill and to see the account on line, which has been how I pay these bills. Until now I never had a problem. They never sent me a bill for the XXXX XXXX, they never listed the relevant account online. I waited for about XXXX months and finally, frustrated, I found a place on the website where I could pay " another company '' so I did that and was told it was wrong. I asked repeatedly for a paper bill, got no where and became really frustrated that the bank was so dysfunctional and unresponsive. I chose to return the XXXX XXXX and everything I had received with it. I told the bank I expected a refund. At this point they began to send me a paper bill but the account never appeared online.
They continued to bill me. I continued to not pay them for something I no longer possessed. Finally, last year I reported them to the Attorney General of the State of California. Then I got a response. I called them on the phone and a clerk appeared to make sense of the mess and told me to expect to continue receiving bills for a little while, they wouldXX/XX/XXXXout the balance and to not worry about it, I did not have to pay anything. They refunded the money already paid by crediting another of my accounts. I thought I was done with the problem. The bills saying that nothing was owed continued to come for several months and finally bills began to appear that claimed I still owed the balance and demanding a monthly payment as well as late fees and all the rest of the XXXX typical of a credit card bill. I politely declined and ignored the bills. Now they are sending me demands by certified mail and the bills claim I owe money I do not in fact owe as I returned the object originally purchased for the refund I was promised.
|
| 11/23/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I recently opened a PayPal MasterCard account with a {$700.00} limit through Synchrony Financial. Following my first payment, I started having problems using my card. I got this card to use daily similar to a debit card and pay the balance in full each month.
The first month, I had a balance of approximately {$400.00} which I paid on time and in full. About five days later, I attempted to make a purchase at a restaurant only to have the card declined. I called Sychrony to determine why I could not use my card even though I paid in-full and on-time. The response given was that a hold was placed on my payment and that my full credit limit will be available 5 business adys from the payment date.
The next month, I had a balance of {$670.00}. I paid-in full, on the due date online on XX/XX/XXXX and received an email confirmation of payment at XXXX CT on XX/XX/XXXX. Watching my account to see if they would be placing a hold on my account again, I noticed I was charged a late fee. The website showed I paid on XX/XX/XXXX and a {$25.00} late fee was assessed. Again, I called. This time, it was to dispute the late charge. I was informed that the charge was waived ( so kind ) in addition to my account being placed on hold ... again. This representative said it was federal law to put payments on hold when it was a " huge '' payment. I asked what constituted a " huge '' payment. I got no satisfactory explaination. The representative said that my balance would be available in 5 days.
Today, XX/XX/XXXX, I attempted to purchase necessary medications ahead of the XXXX holiday since my pharmacy will be closed. Yet again, my card was declined for a {$20.00} purchase. I called for a third time. I got no help from the representative other than my credit would be available in 5 days. He could not give my a reason why my account was still on hold even though I paid on XX/XX/XXXX and the payment cleared my bank XX/XX/XXXX. He attempted to say I made multiple payments which I did not. In the end, the call was fruitless. I will be closing this account as it does nothing for me to have a credit card I ca n't use when I need it. I 've met my obligations by paying my account on-time only to be declined when I need to use the card with no decent explanation or attempt at remedy.
|
| 10/12/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Please let me start with some past experiences that are my rationales for my complaints. I have experienced fraud several times since 2010 and now choose to pay most of my bills online and am still setting up a paperless system. My COMPLAINT : CareCredit/Synchrony Bank -- I was recently was told I was being connected to synchrony bank and was connected to the wrong bank from another account ( Amazon XXXX. They were asking my entire social security number and other things I felt uncomfortable with and that 's how I found out the phone call had connected me to the wrong bank which added more concerens for this complaint I will explain now : My problem : I am taking extra precautions so ... I have tried so many times to sign onto my CareCredit account to make payments to my bill and the site does not allow me to, it says it does n't recognize me. Long story short, after a few months of trying I finally called. I was told by synchrony bank I had a late payment so they " locked '' my online account ( causing me further late payments as I am unable to do this during the day so I have been up all hours late night with NO clue what is wrong ) I have NEVER heard of locking online access because a payment is late and insisting it be paid by phone. I do NOT feel comfortable paying by phone and I told them this sounded like a racket to incur more finance charges rather than " ALLOW '' a customer to pay their bills on time. I also mentioned to the rep/supervisor I was so upset by this, I may file a class action law suit because it was their fault I can not even access my own account online as I am unable to do this during normal business hours. He then removed those late charges but I can not see anything for sure to confirm this in my account because it 's locked! I do not want to pay by phone! I can not keep track of what I do by phone, mail/paper mess everywhere, and I have no proof etc., I have problems and have been scared with phony calls too many times by phone lately so I am insisting to to have access to my account but they are refusing unless I pay to catch up. I want to but NOT by phone. I can not afford to lose one more penny and I do n't want to use mail because again, I still can not see whats going on. ONline I can take a screen pic of what I am seeing.
|
| 02/04/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
PayPal Credit billing statement, minimum amount due to prevent interest charges and the application of payment of the said amount is false and misleading. Purchases over { {$99.00} } are advertised as 6 months no interest, no payments. Purchases under { {$99.00} } must be paid within 25 days to prevent incurring interest charges. PayPal Credit billing statements inaccurately report the accumulation of purchases made under { {$99.00} }, even though those purchases occurred greater than 25 days prior. In addition to carrying this balance forward month to month they will include the amount of the current month expiring promotions in the minimum amount due to prevent interest, which causes me to pay a higher amount than what is actually due. Upon payment of the minimum payment to prevent interest based on the billing statement, PayPal then applies the payment to the current expiring and future promotional purchases ( within 60 days expiring ) while leaving the standard purchases accumulation to roll forward. This method ensures that they are receiving a monthly cash flow payment of at least the accumulation of standard purchases and in excess of the actual amount due in the current period ( expiring promotions and purchases within prior 25 days ). First, if the promotion is 6 months with no interest, no payments then payments made should not be applied to items that are not yet due nor require a payment. The payments should be applied to the standard purchases and promotions expiring in the current period with any excess paid above that amount applied to future promotions. Second, even though they are not charging interest on the standard purchases, which are accumulating, they are not in compliance with the terms communicated to the consumer, which state standard purchases must be paid within 25 days, yet when the standard purchase amount is paid within the 25 days, the payment is not applied to the standard purchases. I have canceled my account with them after noticing for several months I was writing them checks of $ XXXX- $ XXXX monthly and still showing a standard purchases amount over { {$300.00} } even during months when no new purchases were made.
In addition, Paypal would not recover money paid for a couch that fell apart before I had it one year.
|
| 09/21/2016 |
Yes |
|
|
|
Web |
|
|
When my husband and I needed to replace our home 's heat pump two and a half years ago the company replacing it offered financing through Synchrony Bank as an alternative to paying up front. After a little over two years we decided to take out a personal loan through another bank and one of the conditions of the loan was that we pay off the balance that we owed on the Synchrony loan, about {$2000.00}. The bank gave us a check to send in to Synchrony, which we did, XX/XX/XXXX. Since it was close to the due date for the loan we also logged in online and made our monthly payment, figuring we would get a credit and they 'd send us a check for the overage. I called Synchrony to let them know about the situation and was assured that it would be resolved within 10 days of them receiving the check. When the credit did n't post as expected, I began contacting Synchrony. Over the last two and a half months I have called Synchrony over a dozen times and been told everything from, " it looks like someone is working in your account right now, so that is probably the check being deposited, '' to, " We have no record of EVER receiving a {$2000.00} check (! ) '' I gave them every bit of information they asked for, including faxing in the cashed check showing that they had deposited it XX/XX/XXXX. Every time that I called they told me a longer processing time to receive whatever information I 'd sent and once that time frame had passed they implied that it was my fault things were taking so long for not following up sooner. ( I faxed something in on Monday and called to let them know to expect it, they said it would take up to 24 hours to process into my account. On Tuesday it was, " it takes 24-48 hours, '' on Wednesday it was, " It usually takes 72 hours, '' on Thursday it was, " If you faxed it on Monday why are n't you calling until now? '' ) It was not until I threatened to just have a lawyer handle the entire situation that I was finally transferred to a proper manager, who was able to find the payment within minutes. I ca n't help but think that they must be milking XXXX other people, most of whom do n't have the option of turning it over to a lawyer and just end up getting bilked out of doubled payments or late fees on something they 've already paid in full for.
|
| 07/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Log into my online banking account at Synchrony Bank from a computer that is not a registered device ( I personally choose never register ANY device - even my own computer ). You are brought to a page with some telephone numbers ( showing only the last XXXX digits of the telephone number. You have option to request TEXT message, or CALL on the telephone number you choose.
The problem is that on 6 occasions, this page shows telephone numbers that are not valid - they are not my telephone numbers, so I can not proceed to login.
When I called customer service to resolve this over the course of 5 days, I received inconsistent resolutions.
On one occasion, they did something to disable this feature, allowing me to directly login from non-registered device ; On a 2nd occasion, they asked me for my valid cell phone number and sent me a XXXX-digit passcode ( Note : on a subsequent occasion, a rep told me they could not send a XXXX-digit passcode to my cell phone number because my number was not registered with the third party vendor ) ; In one call, I was told to call all XXXX credit agencies to have my telephone numbers added to my credit report - I called all XXXX : XXXX did this, XXXX and XXXX said they have no way to do this. They told me that they get my telephone number from the XXXX credit agencies and do not use the telephone numbers that I list on my account.
In one call, I was told that they use a third party public database to pull my telephone numbers for this validation.
On numerous calls, I tried to explain to the reps and their supervisors that this is a faulty way to validate my identity. I am the only one who should know what my valid cell phone telephone number is, not a public third party database. I spoke with so many Synchrony reps and emailed them to explain the fault in this, but no one seemed to follow. Using third party telephone numbers to send 'login passcodes ' is so dangerous as this enables codes to be sent to ex-spouses, or otherwise old/obsolete telephone numbers. I am trying to get Synchrony bank to change this PROCESS for validating my identity since I choose NEVER TO REGISTER any of my devices, but they seem to not understand and address this issue. Hopefully, this complaint will make Synchrony fix this faulty login issue.
|
| 11/04/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I discovered myself that I had a FRAUD ALERT that I was not aware of on my XXXX Bank account. As I searched my account I clicked on Credit Alert which was located under Credit Tracking. XXXX is not only a bank but also a credit alert company that I do not pay extra for this feature. I never received an alert from XXXX notifying me of this new alert so I called them wondering why. I was told that this alert did not show up anywhere on their records. The XXXX Credit bureau also failed to notify me of any changes on my credit reports. So I copied and pasted the XXXX inquiries that I was looking at for you to view and to see and what I am talking about. You will be able to download it from the attachment I sent to you. I find these inquiries to be troubling, quite strange and suspicious. Can you please investigate these problem?
1. Carecredit.comProcessed Date XXXX Reported XX/XX/XXXXCommentsStatement added because consumer was a victim of true-name fraud # IFCRA ( XXXX ) XXXX ( XXXX ) XXXX statement : You placed a fraud alert on your credit file.
2. Processed Date XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX Address Street Address Line One XXXX XXXX XXXX Address City XXXX XXXX Address Zip XXXX Address State XXXX Address Street Address Line One XXXX XXXX XXXX XXXX Address City XXXX XXXX Address Zip XXXX Address State XXXXNew inquiry : A business added a new hard inquiry to your credit file.
3. Processed Date XXXX Number XXXX Name SYNCB/CARE CREDITIndustry Type Miscellaneous Finance CompaniesStreet Address Line One XXXX XXXX XXXX XXXX XXXXZip XXXX XXXXAccount Balance 0Payment Status CurrentCreditor Preferred Contact OtherNew trade account : An account provider reported a new account to your credit file.
.
4. Credit XXXX InquiryProcessed Date XXXX Name XXXX XXXX XXXX XXXX Address Street Address Line one XXXX XXXX XXXX XXXX Address City XXXX Address Zip XXXX Address State XXXXInquiree Address Street Address Line XXXX XXXX XXXX XXXX STInquiree Address City XXXX Address Zip XXXX Address State XXXXNew inquiry : A business added a new hard inquiry to your credit file.
See alerts of critical changes to your XXXX report. View alerts about any delinquent accounts, fraud alerts, new accounts or addresses, and names that may point to potential identity theft.
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I opened a credit card account through the department store XXXX XXXX in XX/XX/XXXX. I had made a one time purchase when opening my account at the store and was told that I would be receiving a card as well as statements in the mail for billing purposes within a few weeks. As weeks went on, I received nothing in the mail and continued to wait with no luck. When I finally got a call from XXXX XXXX requesting payment on XX/XX/XXXX, I explained my situation that I still have yet to receive my credit card as well as any statements. I expressed my concern in regards to never receiving a card, but would be happy to make a payment over the phone. Whomever I spoke with apologized for the mix up, verified my address and said they would send out another card. After a few months with no statements or card in the mail, I receive another call from XXXX XXXX on XX/XX/XXXX requesting payment. Once again, I explain my situation to the representative that on numerous occasions I requested a physical card and statements and never got anything. I paid the remaining balance on my card and was told one again, that a new card was being sent. As of XX/XX/XXXX, I officially obtained a physical card and was able to activate it online.
I am in the process of applying for a mortgage for my first home. My credit was pulled on XX/XX/XXXX, which showed that I had a derogatory mark on my credit from XXXX XXXX in XX/XX/XXXX. I called XXXX XXXX that day to dispute and explain my situation, and was told by a representative that she had handled the situation and that the derogatory mark was being removed from my credit report. I was also told that a letter stating action had been taken to remove the mark would be sent in the mail within 7-10 days for me to show my mortgage broker in regards to a rescore to secure my mortgage. I have followed up many times after XX/XX/XXXX, with confirmation that the letter was still in the process of being sent out.
On XXXXXX/XX/XXXX, a letter was received but had no indication that any action was taken place in regards to removing the derogatory mark.
I called XXXX XXXX once again on XX/XX/XXXX expressing my concerns and was told that whomever I initially spoke to, misinformed me of what she actually did and nothing had been removed from my credit.
|
| 06/22/2015 |
Yes |
|
|
|
Web |
Servicemember |
|
I contacted the company via phone on XX/XX/XXXX 2015 requesting assistance with my account as I am past due, over credit limit, and was shocked to learn that I was unknowingly signed up for a promotion that has led me to be over the original limit of {$1800.00} due to the promotion expiring and me being charged, according to the representative, 42 % interest on the unpaid promotion amount an entire year equaling around {$630.00}. This has left me with a balance due of more than {$2500.00}. Additionally, the representative informed me that I have an additional promotion ( that I have no idea how I signed up for ) that is set to expire in XXXX 2015 which will drive this {$1800.00} debt to close to if not more than {$3000.00}. After speaking with a financial representative for over XXXX minutes he advised me that I " did not qualify '' for assistance at this time and to try back later, despite being nearly XXXX days behing. I got no answers on how to take care of the unknown promotional purchase and no one assisted futher. After reviewing my finances I sent Synchrony Bank a repayment proposal and requested that my account be closed. In that letter I included the XXXX payment as proposed in the repayment proposal and this payment was cashed on XXXX XXXX 2015 via electronic draft. I recieved a call on XXXX XXXX 2015 from XXXX stating that they were collection agency assigned to my Synchrony account. The account supervisor informed me that there was no record of a repayment letter included with the payment, and that my account had not been closed. She had no details as to how the company got the check that was enclosed in the letter, but did not receive the letter. The rep closed my account and took some details of what was enclosed in the letter so that she may relay that information to Synchrony Bank. She could not help me with the issue of promotional purchases because she said she did not have access. I tried to call Synchrony Bank directly, but as they have sent my account to collections I am automatically forwarded to the collection agency who can not help me resolve the many issues I am having. I am not denying that I owe what I borrowed but I DID NOT sign up for a promotion and definitely did not sign on to pay nearly XXXX times the amount I borrowed.
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX, I clicked on a link on the Amazon website to apply for a Synchrony Bank store card. The page that opened said that I could click on a button to see if I qualify for pre-approval for the card, and it will not impact my credit score. I clicked on the button and entered the information requested. Then I got a message that I was not pre-approved, and it again said that it would not impact my credit score.
On XX/XX/XXXX, I received an email from Synchrony Bank that included a letter. The letter was a full credit review that denied my application for the card, and listed my credit score as XXXX. That is significantly lower than the credit score that I received when I applied for a credit card with XXXX XXXX XXXX XXXX only a month earlier. XXXX denied my credit card application, in a letter dated XX/XX/XXXX, but listed my credit score as XXXX. They used XXXX in their evaluation.
I did not apply for a card with Synchrony, only clicked on a button for pre-approval, and I was assured, both before and after clicking on the button, that it would not impact my credit score at all. That was dishonest. Synchrony Bank used a credit company called XXXX XXXX XXXX.
I called Synchrony Bank on XX/XX/XXXX, the same day that I received the emailed letter from them. I said that the process was unacceptable, and I had not agreed to a full credit review and they had lowered my score unreasonably. The staff person was totally unhelpful, saying that I had agreed to it while at the same time agreeing with me that I had not. Then I said that I wanted the decision reversed, and I got a different response from her. She checked with someone and said that they would do an investigation and look at the website. If my concern is valid, they will remove the credit score and reverse the decision. She said they would send me a letter within 30 days.
I have not received a letter from them yet. It has not yet been 30 days, but I want to alert CFPB and consumers because this process is a sham and should be stopped. It is stressful and unpleasant, and other people should not have to go through it. CFPB should stop Synchrony Bank and Amazon from false and misleading advertising and doing full credit reviews, what they call a " hard inquiry '' without peoples ' permission.
|
| 01/23/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
SYNCHRONY BANK/PayPal Credit does not properly investigate disputes and erroneously process chargebacks fraudulently to my account without authorization or true investigation of the original dispute. There are several dubious sellers who uses PayPal inappropriately, receives the merchandise back but refuses to perform the refund.
Those companies are : XXXX, original purchase on XX/XX/2022, returned to the merchant upon receipt ; Synchrony Bank received notification of the XXXX tracking number that the merchandise had been sent back but that the merchant refuses to perform the refund and refuses to speak with me the customer about the refund. My experience is that XXXX is a company that lacks integrity. Synchrony Bank still refuses to secure the refund even though the company has received the product back and has refused to refund the {$39.00}.
Another dubious company that Synchrony Bank supports is XXXX. The merchandise was sent back, received but XXXX refuses to perform the refund. Even though I have reported this several time to Synchrony Bank, this bank still did a charge back on my account for {$41.00}. XXXX has the merchandise back and refuses to issue the refund and Synchrony Bank for the {$41.00}. XXXX received the merchandise back on XXXX, 2022.
Thus Synchrony Bank has refused to issue me the credit for both the {$41.00} and the {$39.00} when both companies have received the merchandise back. Synchrony Bank is fraudulently charging back these amounts on my account. The customer service person seems to tell lies by stating it is being investigated when it is actually being charges back on my account.
This is time consuming and very stressful. I am finding that Synchrony Bank has done this several times and refuses to acknowledge the mistakes that they are making. This bank is making erroneous/false charge backs when the sellers actually have received the merchandise back. The process is horrible and is expensive for the consumer as well as for Synchrony Bank itself which appears to be very, very, very unorganized and causes harm to the customer.
Both XXXX and XXXX wellness either will not answer the phones or will put me on hold and never come back to the phone.
The total refund from both purchases is {$81.00} plus the inconveniences.
|
| 07/22/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
Approximately 2 weeks ago, XXXX Credit Bureau contacted Synchrony Bank regarding my credit card accounts, and allegedly provided information from myself stating all of my accounts provided by Synchrony Bank were fraudulently obtained. In turn, Synchrony Bank placed a restriction on my accounts & closed my most recent account, which totals approximately XXXX different retail cards. I 'm having an issue with receiving the CORRECT information on how to lift this restriction, as I am being told different, conflicting information EVERY single time I contact this company. I was first told I could verify my identity by text message being sent to my cell phone, then this changed to me calling from my cell phone number, then this changed to me calling from my landline because my cell phone number could not be verified as being owned by me, then this changed to me calling from my cell phone number but receiving an automated message for verification, then this changed to me sending documents via postal mail to verify my identity, then this changed to faxing these documents to a specific number. I have logged over 50 calls to this company 's credit card services, and as of today, Friday, XXXX XXXX, 2016, Synchrony representatives have yet to receive the documents I mailed AND faxed, leaving me open to facing possible ACTUAL identity theft since I have mailed and faxed personal identification documents to phantom mailing addresses & a fax number that allegedly have n't been received. While I can understand Synchrony 's action of restricting accounts until verification, the amount of incompetence and stress I am having to deal with to rectify this situation is absolutely HORRID!! It took them minutes to restrict my account, however it will take me-according to each representative-14 to 21 days to reinstate my accounts, which is utterly ridiculous. I know for a FACT that whatever alleged proof Synchrony Bank has from XXXX will NOT include ANY account I currently have with them, so that allegation itself is FALSE, as I opened each account in good faith and truth. It would not make sense for me to say an account is fraudulent when I have actually even used each credit card account issued. I need this issue rectified with the same swiftness used to restrict my accounts.
|
| 01/27/2016 |
Yes |
|
|
|
Web |
Older American |
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3 things : # 1- I called Synchrony Financial ( aka Care Credit ) on XXXX/XXXX/2016 to make an allocated payment to a deferred interest charge due in XXXX for {$110.00}. The agent I spoke to said he completed the allocation successfully. He did not. When I called today, XXXX/XXXX/2016 I was told that my closing statement occurred on the XXXX so the allocation did not go through. There was no notification to me.
# 2 - In speaking with the agent today I found out that any amount charged under {$200.00} shows up on the statement once only and after that, it does not show up nor is it visible anywhere on line. These amounts accrue 26.9 % interest. This seems extremely deceptive to me. I am on top of my account with them, I always take care of deferred interest charges on time but if there is an amount under {$200.00} that is not showing up anywhere on my online account or statement that is accruing 26.9 % interest behind the scenes it seems intentionally deceptive to leave that amount invisible to the consumer. My request is that they be required to show the interest accruing amounts under {$200.00} just like they show every other transaction activity so the consumer can accurately see what they are being charged. Seems like common sense unless you are trying to defraud people or like the mortgage companies did or if you are purposefully intending to entrap people.
# 3 - I have called Synchrony Financial/Care Credit periodically for information over the years I have been a customer. I have been given so much misinformation over the years that again, seems deceptive. When I called on XXXX/XXXX/2016 and was told the allocation was successful and it was n't and there was no notification to me, that same agent told me that the minimums due that show on my statements are generated to pay off the balance due in the time frame it is due. He said ( quote ) " people think that if they pay more that their balance will go down but it does n't. You can pay more but the minimum will pay it off in the time due. '' I suggest that you get the recording of that call. I ca n't tell you how many times I have been given incorrect information like this. Please do something about this company - they are taking advantage of people who are at the bottom of the credit totem pole.
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| 11/19/2015 |
Yes |
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Web |
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Synchrony Bank, XXXX XXXX. This company advertise that you can make free payments through the automated account via telephone. The first time I had the issue was in XXXX. I called two days in advance approximately around XXXX in the morning, it stated it took the payment. I called back on the XXXX after I noticed my account had not been charged the payment to only find out it did not take. I was provided a confirmation number. So of course my account was charged a late fee and I was not late. With the automated and technology their system have record of me calling making a payment, even though they state there is nothing. The late fee was waived, but it should be removed completely as I was not late. 2nd issue, I called and tried using the automated again to make my monthly payment, it recognizes my phone, but then when you go to the automated, it will not let you put the payment you are trying to pay, it keeps asking the same questions over and over. Its a scam, directing the consumer to a customer service rep which charges a fee for paying as the automated will not let you pay. Needless to say, my payment did not get posted and again, I received another late fee. I called and complained about the issue of not being able to post a payment on the due date as the company advertises. 3rd issue, tonight same thing, called tonight to make payment and of course the automated will not let me do the payment again, it could n't get past the amount to pay. I kept indicating I wanted to make the minimal payment, it would not go past this. I requested an operator who waived the XXXX dollar fee, as I informed her I was filing a complaint against this company. The sad part is I have a JC Penney account that has the same bank and I do not have any issues with making payments, online or automated, but this credit card is the worse. This company is scamming people, manipulating the system for consumers to incur late payments or incur the cost of speaking with a rep to make payment as the system is not allowing you to go through the prompts via the automation. This company should be audited and all funds charged should be refunded to the consumers. A class action needs to be brought against this company as its ripping us the consumers off with its fraudulent practices.
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| 09/09/2015 |
Yes |
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Web |
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For a billing statement XX/XX/XXXX, I had a due date of XXXX XXXX in the amount of {$100.00}. My payment of {$110.00} XXXX overpaid ) did not clear the bank until XXXX XXXX which made me 1 day late and caused me to have a {$35.00} late fee added to my card. I did not receive a bill in by the XXXX week of XXXX, so I called to confirm that my account had a zero balance ( I was unaware the payment posted a day late and resulted in a late fee ). I was advised of the late payment and associated late fee. I made a payoff payment for {$30.00} over the phone. I later found that no payment had been accepted when I got my statement for XXXX. I immediately called and paid {$35.00} on XXXX XXXX and asked about why the payment never went through when I did it previously on the automated system and they advised me that they could not pull up records for the automated payment system. They convinced me that it was completely my fault. I then paid off the account balance on XXXX XXXX for the amount of {$270.00}.
I had a payment due by XXXX XXXX before it was considered 30 days past due. I made a payment by phone on XXXX XXXX and I was told the payment went through. On XXXX XXXX I received a letter in the mail saying that the payment did not properly go through. When I called the billing department they told me that the system showed my payment on XXXX XXXX. They also told me that on XXXX XXXX it was found to have had an error and the payment did not go through. My concern is that I did attempt to pay the bill before XXXX XXXX. And if I had been notified by phone ( on the XXXX ) of the issue then I could have still paid the bill before XXXX XXXX.
After having the issue in XXXX, I have no doubt that I was correct when I believed their automated payment service also messed up with an error for the XXXX " late '' payment. I am now showing a 30 day late payment on all XXXX credit bureaus for XX/XX/XXXX because of this. I have contacted the company several times via phone, email, and mail, but I either get no response or I get told that the automated payment services messing up is my problem and not theirs. The credit limit was also lowered from {$1800.00} to {$100.00} after these issues. I am asking that these blemishes be removed from my account and the credit bureaus.
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| 04/14/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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I received a letter from Synchrony Bank regarding my XXXX XXXX credit card account, stating that after reviewing my activity my charge privileges have been withdrawn and credit line has been closed. The reason stated was that due to recent activity, plus having XXXX or more dishonored check payments on my account caused the account closure.
On XXXX XXXX, 2015, I spoke with XXXX with XXXX customer service ( Synchrony Bank ) and told them that I had received a letter from stating that I had returned checks, and as a result I wanted for them to provide me with copies of the returned checks. I was put on hold and she informed me that she could not find any returned payments for my account. She put on hold in order to further investigate with the accounting Department. After some time the agent said that after checking with their Accounting Department, she informed me that there were not any returned checks but due to them having reviewed a recent credit report they decided to close out my account and that I should take it up with my credit bureau since they are the ones that are responsible for the report. I responded by telling the agent that the letter that was sent out did not mention this as a reason or anything with regards to a credit report. I asked the agent to provide me with the name of the person she spoke to in the accounting department but she told me that she could n't provide me with because it was against company policy. I have always paid on time, and have no returned checks that I have issued and have been returned. XXXX customer service department does not have any answers or explanations and keeps directing me to direct my questions to the credit bureaus which does n't to my knowledge include this on my report. At this time, I do n't know what to do, I feel that Synchrony Bank is showing unfair business practices. I have never been late, or returned checks. It has also taken my XXXX XXXX credit card and has closed that account because they are the creditors and because of XXXX activity they sent out a letter stating that due to returned checks on my other account handled by Synchrony Bank they have terminated my XXXX store card, for which I have also always paid. Now, I have XXXX store cards that Synchrony Bank has closed out unfairly.
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| 02/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Older American |
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I have two certificates of deposit with XXXX XXXX I have no credit cards, debit cards, not even an ATM card. On XX/XX/2018, I received a text message on my mobile phone, coming from address XXXX.
" FreeMsg : XXXX XXXX. Your TJX Rewards Platinum Mastercard acct is past due. This is to collect a debt, info will be used for that purpose. Call XXXX or go to tjxrewards.com. To Opt out reply STOP. '' I checked the phone number shown and the website and these both belong to Synchrony. The card in question is a TJMaxx-branded card of Synchrony.
Since there is no debt and the message is a fraud even though it is from a real bank, I blocked the number on my phone. Since then I have received 18 calls to my mobile from either the same Synchrony number shown above or from a blocked number, and an additional eight calls from XXXX. A XXXX search revealed that this is also a Synchrony number. I also learned that Synchrony, and its predecessor GE Financial, have been making harassing and phony calls from these numbers for years.
Of the 26 calls I received, seven left the following identical message : " This is a message from XXXX XXXX regarding TJX Rewards Platinum Mastercard. Please return our call to XXXX. For faster service visit our website at www.tjxrewards.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' I have tried to block the incoming number on my phone but the calls keep coming. The most recent was last night. As with the text, the website and telephone number shown belong to Synchrony. Additionally, the mailing address shown is a Synchrony address, minus the word " XXXX. '' Note 1. On XX/XX/XXXX I sent a letter to the President of Synchrony Financial, parent company of XXXX XXXX.
Note 2. On a following screen I checked that the credit card has the same address as my home address ; I did this only because your computer would not let me proceed otherwise. I want to emphasize that there is no credit card, no account of any kind with Synchrony or TJMaxx to which I could possibly owe a debt.
Note 3. The two certificates of deposit are held jointly with my wife. She has not received any communication from Synchrony so I'm not providing any identifying information for her.
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| 06/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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Web |
Older American |
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XXXX XXXX , XXXX I went to the XXXX XXXX XXXX , located on XXXX XXXX , XXXX XXXX , NJ. I went to XXXX XXXX XXXX to have some dental work done on my teeth. After a valuation they stated that I needed have bridge work done to correct my dental problem. I was given local anesthesia. After completion of the valuation, I was told that the cost would be XXXX . {$4000.00}, and I was given an application to complete for Care Credit. It was not completely explained to me about the financing with Care Credit and I was a little drowsy from the anesthesia, so I completed and sign the application. I was only given 15 minutes to make a decision. I left XXXX XXXX , went home and thought about what I had done. I read the pamphlet which stated that I had 3 days to rescind the application. I called back to XXXX XXXX XXXX on th e 3rd day and spoke with one of the ladies in the office name XXXX , and told her to cancel my care credit account, I would paid with my own resources. She said the bridge was order. A month later I received a bill in the mail. A few months later I return to XXXX XXXX XXXX to have the partial XXXX done. I made a partial payment to the dentistry by credit card which was accepted. At this time I thought they had cancelled the care credit card application. Another month passed and I received another bill requesting payment from Care Credit. I called XXXX XXXX XXXX to remind them that I had cancelled the care credit card with them previously. Well they told me that they would not complete my dental work unless the amount was paid in full. I did not return to XXXX XXXX XXXX and the bills continue to come to my house. My complaint is that I cancelled the application within the 3 days and also paid out of pocket money for my partial XXXX work. I had no more dental work done and care credit is on my credit report showing that I owe {$2400.00} with an overdue payment of {$650.00}. I made several attempts to resolve this with XXXX XXXX , but have been successful. Please investigate this debt to clear of my credit report. My credit is good and this debt has caused by score to drop. I feel as though I have been taken advantage of as a senior citizen. Thank you for helping me with this matter.
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| 07/28/2016 |
Yes |
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Web |
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I have XXXX deferred interest promotions on my account.
1. {$720.00} which was taken on XXXX/XXXX/2016 and was for 12 months 2. XXXX which was taken on XXXX/XXXX/2016 and was for 6 months.
During the cycle in which I made the XXXX promotional purchase, I also made a second payment to my account that cycle. I had already fully satisfied my {$25.00} minimum due for the cycle due XXXX/XXXX/2016 with a payment of {$29.00} on XXXX/XXXX/2016. Prior to my statement cycling, I made an additional promotional purchase ( # 2 ) on XXXX/XXXX/16. This was still within the same cycle ( my cycle closed XXXX/XXXX/16 ). On XXXX/XXXX/16, 1 day prior to cycle, I made another payment of {$50.00}. This payment was entirely " in excess '' of the minimum. Synchrony applied that full excess to the old promotion. I had to call to have it accurately applied, and was advised by the agent when I told her that this is a systemic gap, that they know it, but that she can fix it for me and I wo n't have the problem again. She indicated that this only happens when you make an excess payment in the same cycle that you took a promotion at a shorter timeframe than the existing promotion on the account. My issue is that not all consumers are Vice Presidents of credit card companies like I am, and do not understand that this is an Unfair and Deceptive Act/Practice.
There are no disclosures in the issuer 's Payment Allocation statement that reference promotional purchases, and given that this specific product 's primary use is by customers who are making interest deferred promotions, this should be succinctly called out. The requirement deals with the interest rate in play, because the purpose is for customers making more than full payments to be able to repay the debt in a shorter timeframe with lesser interest charges. By not requiring the issuer who offers mainly 0 % deferred interest periods to not also disclose to the consumer how the allocation of excess amounts will apply when promotions of differing lengths apply, the consumer is unable to understand fully how to pay the account to accomplish the goal of " 0 '' interest if paid within the required timeframes.
Please contact me directly with any questions XXXX XXXX XXXX Sr Product Manager, XXXX Vice President, XXXX XXXX XXXX XXXX
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| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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On XX/XX/XXXX I disputed Old Navy/Synchrony Bank account showing on my credit report paid and closed in XX/XX/XXXX. The account was paid in full over the phone in XXXX so I was disputing it because when I called the creditor to pay it I asked if I could pay it on the condition that it be requested by the creditor to be removed from my credit report. I have disputed this a few times. I called XXXX after my dispute was denied and they told me it was up to the creditor to request it, confirming what I thought. So I called the creditor and spoke with a couple people. They said they dont have any record of my call in XXXX asking for it to be removed. I asked them to listen to the recorded call and they told me they didnt have a call. This is unreasonable since they have record that it was paid and I paid it over the phone. They also told me because there were late payments they had to report it accurately and it could not be removed from reporting because of that. That this was up to the credit reporting agency. I called back the credit bureau XXXX and the gentleman told me thats not true. He said he has been able to remove even delinquent accounts with late payments as long as theyre paid. Contrary to what Synchrony bank told me, the credit bureau said it was done at the request of the creditor. This is not only misleading but its an obstacle to navigating credit reporting resolutions. In addition to the creditor falsely stating that paid accounts with late payments can not be removed according to the agreement made between the two parties, blaming this policy on credit reporting agencies and the failure of the creditor to keep records, the contact information provided to initially reach the creditor was also incorrect. I had to call 5 different XXXX numbers and get transferred multiple to these phone lines that were wrong numbers. Eventually I got the correct number which is XXXX. I was only able to get this number by calling an active synchrony account I have and being transferred. I know the CFPB works to help consumers and I am submitting this complaint because it shouldnt be so difficult to navigate to try and find a resolution. Creditors should not give misleading or false information about why a dispute was denied or what recourse should be taken.
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| 01/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I received an email of my bill on my Amazon Card ending in XXXX and saw that there was a charge of {$1600.00}. Thinking that it was a fraudulent I called on XXXX XXXX, XXXX to the fraudulent dept. I spoke to the fraudulent dept. and canceled the card XXXX and received a new and current card XXXX. At the time, talking with the fraudulent person who opened a fraudulent investigation and issuing me a new card and canceling the old card, they did not once open my account to see why, what, or where {$1600.00} was charged on the XXXX card because they never asked me. They just opened an investigation and issued me a new card and canceled the old one.
I have many CC 's and have never heard of this practice before because I've never had such a card before. I understand it's my fault for not reading the fine lines but instead I assumed that it was % 0 interest for 24 months and that the interest would be collected on the remaining balance after the promotion ends. I didn't find out that the charge of {$1600.00} was accrued interest until XX/XX/XXXX because I know it takes about 2 to 3 billing cycles for a fraud investigation to be completed and because I've had many of my CC # 's stolen before and every time the persons I speak too from different banks, actually opened my account, look, and ask me if I made the charges at this or that location, time, or date. The person that I spoke too at the Synchrony Bank fraudulent dept. did not, so I assumed it must have been fraud. If they had actually opened my account to see if it was a fraudulent or not and had the same procedures as the other banks and CC companies have as described above, then they could have informed me that it was accrued interest and not fraud and I would have paid the remaining balance right there and then to avoid this ridiculous interest and that would have been within your 30 day grace period. I've been more than responsible making payments on your card for more than 2 years and no one can help me with this deceptive and misleading promotion. I spoke to many people on XX/XX/XXXX and also 3 managers who has said they could not do anything and kept repeating the same thing over and over to me, which was very frustrating. No one could or knew who to transfer me too that could actually help me.
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| 10/18/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Over the course of XXXX, Synchrony Bank refused to, reverse fees on late payments, offer forebearance to CoVid-related accounts that were 60 days past due, and closed accounts that were in good standing of over +2 years.
I had at the end of XXXX 4 Synchrony Bank branded credit cards.
1. XXXX XXXX XXXX 2. PC Richards store 3. XXXX XXXX XXXX XXXX 4. PEPboys Automotive During XXXX, Synchrony Bank canceled my XXXX card w/o notice. They then in XXXX, closed my PC Richards card with notice. Both cards were used in the past and were in good standing at their cancellation dates, with {$0.00} balances outstanding.
In XX/XX/XXXX, my PEPBoys card was nearing its XX/XX/XXXX expiration date, when I attempted to use it for a repair, with available funds for credit purchases. The PEPboys was not allowed to used for the purchase, and another card was used instead. On XX/XX/XXXX, the new PEPBoys card wth XX/XX/XXXX expiration arrived. Upon activation I was told I could not activate, until I made a Video shoot with State ID in the filming. I refused and I am waiting for a letter to confirm my passcode for activation.
Number 1 : My complaint of non-conforming to the CARES Act provisions of financial relief for consumers, if the institution accepts public monies, contained in the CARES Act.
Number 2 : The lack of guidelines in its credit card agreement and its provisions of notification in case of termination, by BOTH parties and its procedures were not followed.
Number 3 : The lack of up-to-date portals to allow access to accounts and the timely accounting of the individual accounts under its purvey to establish a credit card services corporation.
A response is requested, at this time.
XXXX XX/XX/XXXX 1.The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.
2. On XX/XX/XXXX, the House passed the Heroes Act ( H.R.
6800 ) and on XX/XX/XXXX, the House passed an updated version of the bill ( H.R. 925 ). Among its many provisions, both versions would expand consumer rights to loan forbearance and other payment relief during the COVID-19 pandemic.
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| 06/01/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XX/XX/XXXX I paid my synchrony bank credit card off in it's entirety in an over-the-phone payment. {$2100.00} was taken directly from my checking account that day. The customer service representative then acknowledged it wasn't my fault that my account was past due, and she was going to refund my checking account the {$270.00} over payment ( {$16.00} interest/ {$250.00} late fees ) that shouldn't have ever been tacked on in the first place, the only reason I never made a payment is because they told me I would have no payment due until I received every piece of furniture from that order, which I did not, no statement or account information ever came to my address on file. I had to reach out to them to get my account information and pay my balance.
About 2 weeks later in early XXXX I received a letter in the mail from Synchrony Bank stating my account had a {$0.00} balance. ( I had requested this letter for XXXX XXXX XXXX XXXX to do a rapid rescore on my credit so I could purchase a home for my family ) On XX/XX/XXXX my Synchrony account was re-charged the difference amount of {$1800.00}. Instead of refunding my personal checking account the {$270.00} as promised, the representative recharged the credit card the difference even though I already paid it completely off.
My wife and I have both talked to countless reps and supervisors from Synchrony, all of which are no help. They apologize and send it to investigations promising that it will be cleared up, but it never is. Each time we call back they have NO recollection of who we are or what the problem is.It 's now been nearly 5 months, my synchrony account is showing delinquent on my credit report, my score has dropped a HUNDRED POINTS due to this mess. It ruined our ability to buy a home for our children. We both spend hours and hours trying to call and resolve this, we have faxed in our bank statements PROVING the {$2100.00} left our checking account and never returned, we have sent registered mail, they REFUSE to help us.
PLEASE help us get the {$1800.00} fraudulent, erroneous charge + any fees they may tack on removed from this Synchrony account and get our {$270.00} in fees and interest returned to our checking as promised, and make them fix my credit score they single-handedly ruined.
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| 01/31/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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I made a purchase with the " XXXX XXXX XXXX '' with a Synchrony Bank private label credit card AKA as " SYNCB '' in XXXX of XXXX with a promotional offer to pay the {$3900.00} purchase in 18 months. This was initially due in XXXX of XXXX.
Sometime in XXXX of XXXX, an extension was requested and granted to defer the promotional date until XXXX to pay this amount off via a refinance that I was working on at the time. In XXXX the mortgage company sent a check to SYNCB for the total payoff amount of {$2200.00}, which was the balance quoted by SYNCB at the time.
In XXXX of XXXX, since the check had not been cashed, I kept calling to determine why. Since the check was not cashed and several weeks had elapsed, the mortgage company reissued the check with the same amount and put a stop payment on the original check.
It turns out that SYNCB had the original check initially submitted all this time. This was returned by the bank due to the stop payment but, finally, sometime in XXXX of XXXX, the replacement check was cashed and the amount posted to the account.
The {$2200.00} should have paid off the account but, SYNCB claims that, because it was not paid by the expiration of the " promotional period '', a very steep penalty is assessed : the balance of the account went from {$2200.00} to over {$4000.00} as a {$1800.00} interest was added to the balance due to the expiration of the promotion. The rate, according to SYNCB, is 29.95 % APR.
However, that is not all. Much to my surprise, interest is applied every month, I suspect at the same rate, to the balance. I have made XXXX payments of {$99.00} each against the {$1800.00} interest and I still owe {$1200.00} from the initial {$1800.00} in interest. In other words, from each {$99.00} payment close to {$40.00} go to interest on the interest.
In other words, SYNCB is charging, not only an outrageous interest rate on these " promotions '' but they also charge interest on that interest. If this practice is not illegal, it certainly should be. Consumers are in essence being ripped off with a practice that allows banks to charge outrageous interest rates in a way that is compounded. This is most likely under the radar as I just learned of this today and confirmed by agent " XXXX, agent XXXX '' at SYNCB.
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| 07/23/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Incorrect information on your report
- Account information incorrect
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Web |
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OnXX/XX/2018 I sent a letter to XXXX XXXX/Walmart in regards to acct # XXXX in regard to late payments and to validate the debt. The certified mail on signed on XX/XX/2018 respond back from XXXX XXXX/Walmart was a letter copy of app with monthly statements ,no receipt of signed purchases made, no canceled checks, receipt of documents itemized bills does not constitute verification. Than I sent another letter on XX/XX/2018 certified XX/XX/2018 informing XXXX XXXX/Walmart that they have Violate the federal law per the requirement that they are to provide the credit bureau with the disclosure within the period required by law and which they have failed to do.You are required by the law to place a "notice of dispute" when you signed on XX/XX/2018 with in the 30 days required XXXX XXXX/ Walmart is in violation, The Fair Credit Reporting Act Section 623(a)(3) for not placing a "notice of dispute" within the timeframe and evidence certified mail you must now remove the item. XXXX XXXX/Walmart has since place a "notice of dispute" on credit report but still in violation because you are to place a notice of dispute on all bureau you are reporting to not your favorite one. XXXX XXXX/ Walmart has part way acknowledge there violation by the federal law but will not fully acknowledge it XXXX XXXX/Walmart has remove some of the information off of the XXXX report but did not remove all this is still violation in frauding the system.XXXX XXXX/Walmart fail to remove off of report on XXXX,XXXX credit report which is scaming the system and they do what they want to do if you don't pay attention. The copy of my report are attached to prove evidence and I have never even got a letter that they tried to part way removed off of XXXX because they were gonna re-insert info back on with out my knowledge.
THIS IS VIOLATION OF RULES/FEDERAL LAW THAT YOU HAVE TO ABIDE BY. TO PLACE A "NOTICE OF DISPUTE" ON XXXX,XXXX,XXXX CREDIT REPORTING AGENCIES.THE FAIR CREDIT REPORTING ACT SECTION 623(a)(3)REPORTING FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES[15U.S.C.1681s-2](a)(3) DUTY TO PROVIDE "NOTICE OF DISPUTE" YOU MUST NOW DELETE THE ITEM AND PROVIDE ME WITH A NOTICE OF THIS DELETION OFF REPORT.
PLEASE ASSIST THE COMPANY ABOUT THE LAW AT HAND THAT THEY HAVE VIOLATED.
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| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I applied for a Verizon Credit Card ( Synchrony Bank ) on XXXX ( Reference Number : XXXX ) and was denied with a claim that my credit was " frozen '' through the credit reporting agency, XXXX. The freeze had been lifted two days prior to the application. I called Synchrony Bank and was told to reapply so they could transfer me to the underwriting department to address the issue " real time '' and help expedite my application. I applied a second time on XXXX and was still denied based on applying too quickly between applications. The policy apparently requires that you wait 30 days before reapplying. After calling again on XXXX, I was told to wait on a letter with a reference number and call back so that the denial issue could be addressed at that time. I received my first and only letter on XXXX ( Reference Number : XXXX ) which was based on the second application. The reason for denial on that letter was : " Prior application submitted too recently ''. I called Synchrony Bank again on XXXX and spoke with a fraud department manager who instructed me to apply again while we were on the line and she would be able to help process application immediately. After being put on hold for several minutes, she then instructed me that I would need to wait another month ( until XXXX ) before reapplying since it had not been 30 days since the last application. She thought that an override of the waiting period could be made on her part but was clearly not the case. This is the most frustrating credit card application process I have ever dealt with. Also, I am very unhappy that my credit score was " dinged '' three times without being approved and if I apply again at the end of XXXX it would be a total of four times. The manager assured me she would remove the credit reporting " dings '' and would like to verify this has in fact been accomplished. I am a brand new Verizon customer and simply want to use the Verizon credit card to pay my bill each month ( instead of my checking account ) so that points can be earned. My credit score is in the 800s and I pay all my credit cards on autopay each month in full. It definitely should not be this difficult to apply and achieve a credit card approval through this bank. Very disappointing and frustrating to say the least.
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| 02/20/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Over a year after receiving my Care Credit card and making payments, I reviewed all of my statements collectively and noticed a pattern of " Card Security '' fees. I don't recall opting in, but I was being charged monthly, plus interest. In my communications you will see that I also complained about the same issue with my XXXX XXXX Store Card.
On XX/XX/2020, I contacted Synchrony by XXXX, asking why they were charging me for this service. They responded on XX/XX/2020, explaining what the service was. I wrote back noting that my question had not been answered, and that I still needed an explanation. I was never given an explanation or evidence that I signed up for this.
On XX/XX/2020, I was sent a message saying that they noted my request for cancellation and would be issuing a credit for the charges. The turnaround time was 7-10 days. Today I reviewed my statements and noted that I was never issued the promised credit, and that they have continued to bill me for the card security fee despite my cancellation. I have attached a PDF copy of our initial communication to this complaint, as well as copies of the statements that I have received post confirmation of cancellation.
For reference, I have an {$800.00} limit on the Care Credit card. After over a year of payments, I currently owe {$740.00}. It should not be possible that I have only paid off a little over {$50.00}. In part because they have continued to tack fraudulent charges and interest onto the balance monthly, eating up almost half of what my base monthly payment is. There will be no way for me to get out from under these debts if they keep charging me for something I never asked for.
We are in the midst of a global pandemic and people are losing jobs and experiencing reductions in pay. Fraudulent charges and collecting interest on top of it is absolutely unscrupulous. This is fraud. Especially when I have explicitly said that I didn't recall opting in, wasn't told when I supposedly opted in, and formally cancelled months ago. Multiple violations warranting legal action have occurred here. I was initially willing to give the benefit of the doubt and wait for the credit that was promised, but not honoring that promise and continuing to charge me for a cancelled service is not okay.
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| 10/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Public record information inaccurate
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Web |
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NOTICE OF INCORRECT INFORMATION FAILURE TO DISCLOSE BUTTON AUTOMATICALLY CHECKED ON CREDIT APP AS STATED BY EMPLOYEES i, XXXX XXXX XXXX have been mistakenly charged for a credit card with synchrony bank whereas i gave no consent for all phone calls are and have been recorded by both parties. They have illegally reported that i was over my credit limit? for some reason without disclosing why. So when i did the research it came up that they have failed to disclose the charges of {$75.00} per month in fees for some card security attached to Syncrony Bank.
The debt is being disputed and must be proven within the next 30 days. Verified and validated.
FACTS WITH EVIDENCE : a. ] several hits to my credit report all three XXXX XXXX and XXXX alleging that i signed up for this {$75.00} per month when i did not ever give consent.
b. ] no proof of the debt alleged when disputed c. ] When the debt was disputed your clients continues harassing my credit reports sending me documents alleging i gave consent without ever providing a signature Damages ; cost XXXX XXXX XXXX to miss out on gaining solar with XXXX XXXX damage credit report legal and administration fees {$5000.00} so far i was only credited back {$1200.00} but that only covers one year they would owe me two years in the amount of {$1200.00} for XXXX.
CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, the Defendants and their attorneys where served via USPS mail with Certificate of Service or certified mail as well form USPS XXXX. Signed by personnel.
Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX # XXXX Phone : ( XXXX ) XXXX XXXX XXXX Nevada XXXX XXXX CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, I mailed a copy via USPS and electronically transmitted the attached document to the Clerks Office using the XXXX XXXX for filing and transmittal of a Notice of Electronic Filing to the following XXXX registrants : After it has been received and thereafter emailed thereto all Defendants herein this matter. Real Party ( s ) In Interest would prefer a quick resolution.
This documents was delivered thereto the USPS office located on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX by XXXX XXXX on XX/XX/2018.
|
| 12/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
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I am a credit card holder from this credit card company called synchrony and I have been making my minimum due payment as usual before my due date, on this month of XXXX my minimum due date is set to be XXXX so as the other months as well, I initiated a loan payment of {$210.00} from my chase account on the XXXX XXXX XXXX which posted on the XXXX XXXX XXXX XXXX and the transaction was marked as completed, which reflected in my chase account balance as debited.
Synchrony bank never contacted me about insufficient funds in my account or payment declined or what so ever since this payment posted on the XXXX XXXX XXXX
On the XXXX XXXX XXXX XXXX XXXX morning I checked my chase account to realize that my account was negative {$210.00} so I contacted XXXX XXXX to as what the reason was, XXXXXXXX XXXX told me that Synchrony Bank made XXXX attempt of withdrawal on my account, the first one was on the XXXX XX/XX/2023 but declined due to insufficient funds and the the second one was on the XXXX of XXXX which brought my account to negative {$210.00}.
I contacted synchrony bank on this said date XXXX XXXX to cross check my statement with them and they told me that everything was okay on my records with them, that my payment went through on the XXXX of XXXX and the transaction was marked as completed.
I called XXXXXXXX XXXX to notify them and even connected these XXXX banks on a conference call but synchrony bank lost communication so I followed up with XXXXXXXX XXXX letting them know the outcome of the confirmation I got from synchrony bank.
To my greatest surprise I am just get a message from synchrony bank that I am owing and past over due, I have attached a copy of this payments proof to this message.
Synchrony bank is not competent to be called a bank with all of these obvious discrepancies, before I made a report on XXXXXXXX XXXX all these was not happening, but after a I made my report on XXXXXXXX XXXX XXXXhese started happening.
How on earth can a transaction initiated on the XXXX XX/XX/2023 and posted on the XXXX of XX/XX/2023 is now declining without prior notice of all these failed transaction conducted by synchrony bank as XXXXXXXX XXXX is claiming, its a shame this is happening from a bank that says they are credible institution?
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| 06/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American, Servicemember |
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In XXXX, I accepted an offer from Sams club for their Sams Club rewards credit card. The card promised cash back for purchasing items such as gas ( 5 % back ) and restaurants ( 3 % ). By about XX/XX/XXXX, I received an e-mail correspondence from Synchrony Bank, the card issuer, that my accumulated reward balance was {$150.00}. I contacted Sams club and they informed me that the only way to redeem the cash back balance was to travel to a retail Sams club location and present the physical card to the cashier in customer service and a cash disbursement in the amount of the stated reward cash balance would be paid to me.
On XX/XX/XXXX, I traveled to Sams Club, in XXXX, NY, and presented my card for the {$150.00} cash back redemption and the cashier told me that it was already redeemed sometime in XXXX of XXXX. I was told by the representative that my card would have had to be present in order to receive my cash reward. I told the Sams Club customer service representative that I have not been to any Sams Clubs in XXXX of XXXX and my card never left my possession upon receiving it in the XXXX Mail and that the reward balance was not paid to me.
While I was still at Sams Club, I contacted Synchrony Bank to try to resolve this issue. The Sams Club representative then verified to the representative at Synchrony Bank that I was not at any Sams Club in XX/XX/XXXX, based on their electronic records. They advised that they thought the card may have been compromised and said they would send a new card to me with a new account number and research where the cash reward of {$150.00} had gone.
Numerous additional calls to Synchrony Bank on XX/XX/XXXX and XXXX and again on XX/XX/XXXX resulted in Synchrony Bank blaming Sams Club and vice versa. Synchrony Bank stated that they will have an answer by XX/XX/XXXX. After stating to me that a representative would call me back, they never do.
I then called Synchrony Bank on XX/XX/XXXX, and they had no resolution to my issue and again, Synchrony Bank was blaming Sams Club and vice versa. It was clear to me that after several hours on hold and speaking to countless representatives from Sams Club and Synchrony Bank, over the course of a couple of months, the bank or the Club would not provide a resolution to my issue.
|
| 03/12/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. My email is XXXX, my QVC account and Synchrony account are both attached to this name and email.
On XX/XX/XXXX, I ordered a XXXX XXXX XXXX priced at {$1200.00}, agreeing to XXXX easypay installments of {$250.00}, through the seller : QVC, using my Synchrony QVC card ( ending XXXX ). I paid for express, overnight shipping, hoping that they would provide signature confirmation and an accurate delivery date for such an expensive product. I was provided the wrong estimated delivery date of XX/XX/XXXX, it was delivered to my house when I was not home on XX/XX/XXXX, no signature was requested, and the package was nowhere to be found when I came home and so I consequently requested a refund. A refund was provided to me by QVC, and curiously a few days later, on XX/XX/XXXX, I received an email from QVC stating that they would no longer honor the refund.
" Dear Valued Customer, Upon further research the refund for your claim of non-receipt on your XXXX is unable to be processed. Tracking confirms your order was delivered. If you feel this is still an issue you must dispute this charge with your credit card company. '' This was for Order # XXXX with QVC.
On XXXX I went forward to submit a claim with Synchrony as QVC provided and then pulled back a refund despite my not receiving the merchandise, and provided proof to Synchrony in the form of a chat I had with the QVC representative . Synchrony denied my claim. My card is still being charged for this purchase, and I am now being told that Synchrony is closing my other accounts due to this unpaid transaction that I never received in the first place. I received notice on XX/XX/XXXX through XXXX of all people that my claim was denied, despite hearing nothing from QVC OR Synchrony on the matter.
When I placed the initial chat to QVC to request a refund, at the end of the chat- I asked how I can save the transcript. I was LIED to by the QVC associate who told me to INCORRECTLY press the wrong button, and subsequently the chat I attempted to save as proof of the refund was deleted, and when I requested an email copy, or to be mailed proof of this transcript with QVC support, I was DENIED by QVC. Very, very shady business practices.
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| 06/23/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
Older American |
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On XXXX XXXX while using our Bill Pay account with XXXX XXXX XXXX, we inadvertently sent our mortgage payment of {$4400.00} to an outdated account we had at XXXX XXXX. I immediately realized the error and called Bill Pay at XXXX XXXX XXXX. The representative informed me that once the button was clicked on the XXXX XXXX XXXX website they could not cancel or refund the payment even though they could plainly see the error in their system since we had been paying our mortgage payment of {$4400.00} for years on their system. They advised me that I would have to wait several days until the transaction settled. I called back on XX/XX/XXXX and XXXX XXXX XXXX informed that XXXX was closed for the XXXX XXXX weekend. They advised I call back in XXXX. I did so on XX/XX/XXXX. It turns out that XXXX had apparently declared bankruptcy in XX/XX/XXXX and that all payments were directed to Synchrony Bank. I then spoke to several employees at Synchrony Bank after spending a total 4-5 hrs on the phone with multiple disconnects and wait times ( I believe this was an intentional strategy on their part to discourage me from pursuing the matter ) I was able to speak with a supervisor named XXXX who ostensibly located the deposit after I provided all pertinent information regarding our old account number with XXXX as well as a wealth of personal information. I was assured refund would be received by XX/XX/XXXX. When no refund was received I called back Bill Pay at XXXX XXXX XXXX as well Synchrony Bank. It was essentially starting all over with Synchrony Bank as they denied an prior knowledge or records despite their constant reminder we were on a recorded line.Someone there named XXXX advised me to wait several more days as " the check was in the mail '' despite not giving me and confirmation number or email with a contact person. After waiting and additional week no check arrived, once again I contacted both XXXX XXXX XXXX and spoke to XXXX and XXXX at Synchrony Bank who who were unableto provide any additional information. Synchrony Bank continues to hold my {$4400.00} which they are aware is not their money and is not willing to refund what was a mistake of simply pressing the wrong button. As a consequence of this we have fallen behind on our mortgage payment.
|
| 07/23/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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Web |
Servicemember |
|
This is in reference to Paypal.com and using paypal credit. I ordered a dress from a very disguised XXXX website ( XXXX ) on XX/XX/XXXX paying {$74.00}, realized my mistake and canceled the order on XX/XX/XXXX, per their website within 24 hours and prior to shipping the product.
I contacted them on the first time XX/XX/XXXX to request a refund, and XXXX times making the same request since. I filed a dispute with Paypal on XX/XX/XXXX, stating I could not communicate with the seller and I wanted my payment refunded. Paypal gave the seller an opportunity to send me the product ( a dress ) and closed my case on XX/XX/XXXX. The product the seller has sent is a cheap necklace, so I opened a new dispute that the item is not as described on XX/XX/XXXX.
Paypal has given me 9 days to send this product back to XXXX. I can not ship to XXXX in the middle of a pandemic, they will not communicate with me and are refusing to refund my money when I had clearly shown the product was not as described and is not desired. I've done everything in my power to immediately stop this transaction, and Paypal 's advertisement of buy protection is a false advertisement. Paypals purchase protection is quoted as follows from their website : " When buyers pay with PayPal on any website, PayPal Purchase Protection covers them in case there is a problem. If an item doesnt arrive or is significantly not as described, we will help buyers get a full refund.
To qualify for PayPal Purchase Protection : Use PayPal to complete your payment.
Let the seller know there's a problem with the transaction by opening a dispute in the Resolution Center within the timeframe noted in the transaction details. If you can't resolve the issue with the seller, escalate the dispute to a claim within 20 days of the date you opened the dispute.
Keep your PayPal account in good standing.
If your transaction qualifies for PayPal Purchase Protection you are covered for the full purchase price plus the original shipping charges. '' This product more than qualifies.1. I tried to cancel the order. 2. I've sent numerous emails to the seller as well as contacted them via their contact us the website. 3. I am willing to ship this invalid product back to anywhere in the U.S. that I can actually ship it to.
|
| 10/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
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Company Name : Care Credit Problems : Interest, and supposedly missed payments..?
People involved : Care Credit and Cardholder I have been paying on my care credit ( dental ) card since XXXX. I just got off the phone today XXXX XXXX XXXX, 2017 ) and I was speaking to a woman named XXXX about why my promotional balance was different than the current balance. I have never missed a payment for any of the promotional balances, and I never seen any other payments stated on my care credit account. So I asked her why that was, and she told me it was because of a charge of XXXX $ or so. She said there was also interest added from the time of the payment of XXXX $ every month sense. So I ask her, where is it stated at on my account? I tell her how I have been making payments since XXXX from a balance that started out at a little over XXXX $ and now its down to XXXX ( promotional balance ), so why would I still be getting charged for the monthly interest? Why is the XXXX $ not paid off yet if I have been making payments to the current balance. She tells me that unless I call and specifically ask for the payment to go towards the non-promotional balance that it will keep charging me, and it will not be paid off. But she says I have XXXX $ left of the XXXX $ charge? Which does n't make sense, given that my promotional balance is still being paid on. It does not state it on my account, I was being charged, they were saying my payments were late, but all it showed was just a difference in the charges that I just became aware of after I paid off the last promotional balance. So my last promotional balance shown says XXXX $ and the current balance is XXXX XXXX I just do n't understand how I can be charged interest for something that is not stated on my account or even presented next to the promotional balance, I was n't able to pay all of it at once which is why I had a promotional payment, but I have been, and am currently still making payments, so that XXXX $ should have already been paid off even so. Its not fair that I have to call to make a specific payment about a charge that is n't even stated on my account. If I am paying towards the CURRENT BALANCE than it should cover all charges that would be present, including the hidden non-promotional purchases.
|
| 01/18/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
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Dear Consumer Financial Protection Bureau, I hope this message enacts change. I am writing to express my profound disappointment and seek redress for an incredibly distressing experience with Synchrony Bank, the issuer of my Sam 's Club credit card.
As a loyal customer since 2002, with a flawless payment record and consistent respect for customer service representatives, I find it disheartening to recount the recent events that have unfolded. Despite multiple requests for information, I have received no satisfactory answers, and my attempts to resolve issues have been met with silence.
A particularly harrowing incident occurred recently when I found myself stranded in XXXX weather due to my card being declined. Despite years of loyalty, impeccable payment history, and thorough verification processes, I faced humiliation in front of family and friends. This incident not only caused severe emotional distress but also led to health complications that now jeopardize my ability to attend a crucial business meeting, potentially resulting in substantial financial losses.
I have diligently provided requested documentation, taken videos, and answered personal history questions to verify my identity, yet the issues persist. The decline of my card, especially after 22 years of unwavering loyalty, zero missed payments, and successful verifications, raises serious concerns about the functionality of Synchrony Bank 's system.
Considering the profound impact on my well-being and potential financial losses, I am seeking damages upwards of {$50000.00}. This amount reflects the physical and mental toll, embarrassment, and potential financial repercussions caused by the failure of the card, which, after decades of faithful patronage, has left me physically and mentally scarred.
I implore you to investigate this matter thoroughly and assess whether the current system is indeed working as intended. The discrepancy between my consistent history and the sudden decline of my card raises questions about the effectiveness of Synchrony Bank 's procedures.
I appreciate your prompt attention to this urgent matter and look forward to a swift resolution that addresses the damages incurred due to this distressing ordeal.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted SYNCB/XXXX account. Over two weeks ago I submitted a fraud complaint. I then received a response from XXXX stating that the creditor verified the account as accurate. I then called Synchrony Bank to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with Synchrony Bank. One is paid off with perfect pay ( XXXX 's ), the second is XXXX 's XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number.
2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX.
3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers.
4. We have never had a late payment or any derogatory credit.
5. The interest rate on the mortgage will be higher due to lower credit scores.
6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account!
The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.
|
| 11/24/2023 |
Yes |
- Credit card
- Store credit card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
Servicemember |
|
XX/XX/2023 I established a MasterCard business account with Sam 's. The account was approved and {$360.00} of items were charged. XX/XX/2023. I had not received the bill from Sam 's nor a credit card. I reached out to Sam 's and they directed me to Synchrony Bank, which holds ownership of the account I contacted Synchrony they did not know the account. I held the line for three hours, trying to validate that this account did exist. I never received the bill or a credit card, finally, synchrony referred me to the fraud department. I was rerouted to customer service and informed that I needed to fax in something that validated our new address. I faxed in a letter from Georgia 's secretary of state validating my address, and phone numbers. I held the line for a total of three hours before reaching an American citizen who was helpful and reassured me a card would be issued. I had not received a bill or credit card by September. I again reached out to Synchrony who confirmed that they had received the letter from the Secretary of the State of Georgia and had our updated phone numbers. In XXXX, we received a bill from Synchrony and a letter stating the account had been adjusted, but no credit card. We contacted the company again to be held for over 3 hours discussing the matter. The company once again is asking us to validate our authenticity and resend information. When asked to speak to an American citizen the reps became hostile and hung up on us. We have met all requirements through the federal Customer Identification Program ( CIP ) and this bank has validated this by billing us as a customer. I do believe that this bank violates providing fair and equitable customer practice. This bank also should provide knowable service representatives who can comprehend and speak XXXX that is comparable to the levels of their overall service population. Prolonging this unsettled matter is causing harm to my credit/reputation as a business owner. Synchrony has received all information requested that validates my company 's authenticity and has billed us accordingly, Synchrony Bank has yet to release the credit card that was approved in XXXX of 2023 as of XXXX of 2023 but has billed us stating that they are unable to validate the authenticity of our company.
|
| 02/16/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
XX/XX/XXXX of 2020 care credit ( through synchrony bank ) closed my credit card which had a XXXX balance, a card that through out the years I have held balances on and always paid my minimum payments and paid it off entirely because the purpose of this card is to be kept and used for medical emergencies ( we got and kept it active for our XXXX year old dog and if needed our cat, but our dog had XXXX issues and was aging ). At the beginning of this year I was the first affected by the pandemic I had to use my savings the first 3 months before I got through to unemployment and have been on unemployment and at home with my XXXX children through out the pandemic. I Had to rack up all of my credit cards this year during the pandemic while caring for my mom who is XXXX e compromised with severe XXXX also affected by the pandemic. Upon racking my my credit cards this year my credit score has fallen SIGNIFICANTLY I have to wait for my taxes to pay them off.
XX/XX/2020 care credit snd synchrony bank who I also have 2 other credit cards with CLOSED MY XXXX BALANCE ACCOUNT. Not my XXXX card, not my XXXX XXXX card both holding a balance both of which I've had for 10+ years. Synchrony closed my XXXX balance medical credit card that is used for emergency purpises.
Last month our dog died we had to use our rent money. That same week our cat got attacked by an animal and is still sick and we again had to use our rent money.
I am living solely on unemployment still and going back to work soon and have racked up all my credit cards including ones through synchrony I have faithfully paid on including interest, and this company was allowed to do this during a pandemic?
Creditors can't charge us late fees on our accounts during a pandemic but they can close our XXXX balance accounts that are in good standing especially those for emergencies?
Please tell me you guys have thought of this.
Synchrony bank told me that have had ZERO COMPLAINTS ABOUT THIS ISSUE. I highly doubt I am the only person they did this to during the pandemic.
This is something you guys should look into.
I would love my medical emergency card back but its fine, I will make it one way or another like I always have. But this doesn't seem right, at all.
XXXX XXXX XXXX XXXX
|
| 01/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/XXXX I reviewed my account statement for a Cabinet purchase financed through Synchrony Bank, and was surprised to see that my statement more than doubled. I intended on paying my entire balance in full on my previous statement, which was {$1100.00} and was surprised when I saw my statement was {$2400.00}. Upon calling Synchroncy Bank, the initial representative was extremely unhelpful and I quickly requested to speak with a supervisor.
The supervisor stated that the new balance reflected interest calculated through the life of loan. The online payment system kept telling me a minimum payment, which I made double, sometimes even quadruple on a monthly basis with the exception of XXXX so that I would have a little extra money to spend for XXXX gifts for my loved ones. The system only reflected the minimum payment expected for the loan without the calculated interested that was building up. The supervisor said that the fees assessed reflects total interest calculated for the life of the loan to this point.
Additionally, the APR on this credit card is 29.99 % which I was not aware was happening. I was making payments to the best of my ability, even through job loss and under employment with the intention of paying off the entire debt today.
The balance now, with the APR makes it impossible for me to do so. The supervisor insisted that they could only waive a single fee- the XX/XX/XXXX interest, but could not waive anything else- the life of the loan interest. She also stated that there is no way to settle the debt or modify the terms to make it more reasonable.
This company is directly violating the FDCPA by making terms unfair, deceptive and abusive. There is no way that this should have happened. Synchrony Bank did attempt to reach out to me via phone call but never once left a message. Their emails to me never once warned me about this promotion ending and started harassing me for missing a single payment even though I had always paid more than the minimum.
Furthermore, the manager that I spoke with at Synchrony Bank gave me conflicting information about where the corporate headquarters is, stating that they only had a PO box and did not provide a physical location to mail any payments, should I agree to mail a settled payment.
|
| 10/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
A payment was made on my Paypal Credit/Synchrony Bank for {$580.00} and posted to my account on XX/XX/XXXX. The check has cleared my bank and I am attaching a copy of the cancelled check for proof of payment. My account number of XXXX XXXX XXXX XXXX is also on the face of the check so it would be applied properly to my account.
Prior to the payment posting I requested research as to why my payment had not been posted to the account as it was sent in earlier in XXXX. Apparently XXXX disputes were started for the same issue on the same day and a Dispute temporary credit issued twice for {$580.00} on XXXX
On XX/XX/XXXX, the payment finally posted to my account for the {$580.00}.
Then on XX/XX/XXXX - THREE reversals were made for {$580.00} on my account- all of which are listed as PAYMENT CORRECTIONS. Only the XXXX temporary credit amounts should have been corrected, not the actual payment made that cleared my bank for {$580.00}.
Then on XX/XX/XXXX ANOTHER charge shows up on my account for {$580.00} and is listed as a purchase. There is no such purchase and this is a fraudulent charge.
I now have XXXX {$580.00} amounts showing on my account that are NOT CORRECT and need to be fixed. My payment for {$580.00} on XX/XX/XXXX needs to be posted back to my account and the charge for {$580.00} on XX/XX/XXXX needs to be removed for a total of {$1100.00} credited back to my account for these error to correct the balance on my account.
I have made multiple attempts to call Synchrony Bank/Paypal and am either transferred to " billing '' and the call disconnects or no one ever answers the call after very long hold time. It is impossible to try and resolve anything with this company via phone or chat.
Their billing practices really need to be formally investigated as something is very wrong here and consumers are being negatively affected. They also are reporting incorrect balance to the credit bureaus based on these errors that also needs to be corrected immediately. It is unacceptable to be told it will take 1 -2 billing cycles to correct their very large errors and have my credit negatively affected and incorrectly reported under the FDCPA. I need this corrected immediately. This is almost {$1200.00} in errors!!!! I do NOT owe these amounts.
|
| 02/27/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
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Since I opened a XXXX XXXX XXXX credit card with Synchrony Bank, I have had nothing but problems with the " Reward Dollars '', which are the credits that you receive when you purchase items from XXXX XXXX XXXX. Every single month, Synchrony has either not given me the correct number of reward dollars I am due or not given me any of the reward dollars I am due. Each month, I call and complain and they eventually recognize the mistake, though it takes " an investigation '' and an additional billing cycle for them to correct it.
This month, on XXXX, I spent {$1000.00} and should have received the usual 10 % in rewards ( {$100.00} ). I received no rewards for this purchase ( the statement says something about this purchase being a " deferred interest '' purchase but I have no idea what that means, as I did not ask for any special payment terms at the time of the purchase and I paid the balance in full the day I received the statement. ) On XXXX, I spent {$53.00} during a " double points '' weekend and should have received a {$10.00} in rewards points. I received only half of these reward points. In total, I should have received {$110.00} points this month ( {$100.00} plus {$10.00} ). I received {$5.00}. When I called, Synchrony, once again, recognized the mistake but said I had to wait another billing cycle to have it corrected.
To make matters worse, the rewards " balance '' total on the statement doesn't align with the rewards balance on the home page. The statement shows a prior balance of {$11.00} then adds the ( incorrect ) {$5.00} earned this month for a new rewards total of {$16.00}. However, my account on the web page shows a " previous reward balance of {$16.00} + {$5.00} earned this period ( I have no idea where this comes from ) - {$20.00} reward certificate ( which was never issued to me ) for a balance of {$2.00}. None of this makes any sense.
I have had credit cards for thirty years and have never had problems like this. It seems to me that this is their business model- to have a flawed/confusing reward system in the hopes that a large portion of people will not notice or will not take the time to have it corrected. It is not rocket science to have rewards accurately reflected on statements or, at worst, corrected in real time.
|
| 07/07/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Can't close your account
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Web |
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I opened a CD at bank for my mother, XXXX XXXX XXXX, in which I was POA. I was told at the time by bank that I could not have a POD with a POA. In essence all this is the banks fault for not telling me what would happen with no POD listed on the CD originally.
My mother, passed away on XX/XX/XXXX, and I have been taking care of her estate since she nominated me as her executor/and only survivor in her Trust and a Will that is part of her Trust.
I notified bank and reported her death and mailed what I considered to be the banks requested documents : her death certificate ( original ) ; notarized paper stating that I am ( from XX/XX/XXXX ) making myself successor executor of her Trust due to declining health matters that she was experiencing ; and my ID.
XXXX XXXX letter dated XX/XX/XXXX, states that they had received documents and that there was one last step to closing account and that was an Estate Distribution form that was signed by me and notarized and returned to bank.
I received another letter from Bank dated XX/XX/XXXX asking for the original documents that they acknowledged to having already received. I telephoned bank and their phone rep was no help in this matter. He stated that bank now wants a Letter of Testamentary.
I then mailed a cover letter with parts of her Trust relating to successor Trustees and her complete Will stating that I am the Executor and only survivor and noted beneficiary within. I have never heard from bank at anytime during these months of trying to close out account, other than the 3 letters wanted documentation or asking for a notarized signature to disburse funds.
I e-mailed the CEO of XXXX XXXX located I believe in Utah. In turn, I get a phone call from a problem solver with bank which was just another telephone rep reiterating the need for a Letter of Testamentary which is a court document. I have explained over and over to bank that this Trust and Will is not going to probate but they just dont get it.
I am a senior citizen myself and reside in South Carolina. My mother resided in Nebraska and passed away there also. If bank wanted this document originally they sure didnt ask for it. This coming back again and again asking for things dragging out a customer request is not fair business practice.
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| 10/30/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, XXXX XXXX XXXX XXXX, I spoke with XXXX XXXX XXXX after finding out that I had a debt collection on my credit report. I wasn't notified about this issue via email, mail, or anything. I then reached out to find out what is going on, and why I was not notified by XXXX XXXX to prevent this from reaching my credit report. They confirmed they sent it to an address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I advised them that was not an address I have lived at since XXXX. They then said, " Well, we have a XXXX XXXX XXXX XXXX, AZ XXXX on file ''. I advised them that I never received that whatsoever. ( On XX/XX/XXXX, I reached out to the Postmaster to get a copy of all the mail I have received for 1-year. XXXX XXXX is nowhere on the mail report showing them ever sending me a letter. ) I proceeded with a friendly conversation to ask them how can we get this handled right away and get it removed. They neglected to say anything, so I then threw it out, " What if I pay you in full right now? Can we get it resolved? '' They responded, if you pay it today, we will update the credit report to reflect a XXXX balance immediately. I asked them if they verified this information before they posted it to my credit report. They said they didn't have to as of yet because it wasn't requested. They then said, After the payment has been posted for 30 days it would be removed. I asked for that in writing before I pay the bill, they refused to do so until I paid. So, I paid the bill to prevent myself from being homeless because their line of credit is what is preventing me from buying or renting a home. I am attaching the letters that were sent to me and the information. I would like XXXX XXXX to be Shutdown due to this exact issue. For being deceptive, misinforming, and not providing required notification prior to all this occurring.
On XX/XX/XXXX, I reached out to XXXX XXXX to address this issue and they refused to do anything and said, " I have no knowledge of this phone call and I will document your call and that's all I can do! '' I spoke to a XXXX XXXX XXXX. After that, I became irate. This company has lied, posted inaccurate information to my credit report, and never properly notified me of the issue to prevent it from getting on my credit report.
|
| 12/21/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
Servicemember |
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Dear Sir/Madam : I am the victim of a violent crime, and have XXXX XXXX of which I am working on. My salary as a XXXX went from $ XXXXmonth to $ XXXX/month in XXXX XXXX Disability payments. XXXX XXXX WORKED with me during the extreme hardship with a balance over the {$500.00} limit, I only had to pay three ( 3 ) {$50.00} payments to put my balance at XXXX.
I phone Synchrony Bank, regarding my Care Credit Card over and over and over. To include today, XX/XX/XXXX. On XX/XX/XXXX I was attacked unfortunately by a XXXX Driver. It is a Battery case. I phoned Care Credit ( Synchrony Bank ) SEVERAL times ignorantly hopefully expecting them to work with me as XXXX XXXX DID. They offered me a plan of " {$61.00} '' a month for 6 months due on the XX/XX/XXXX. Let me EMPHASIZE due on the XX/XX/XXXX. Unfortunately and obviously I can not pay the {$61.00} for 6 months nor do my bi monthly XXXX deposits come regularly on " the XX/XX/XXXX. '' I was continuously frustrated by the XXXX women in Customer Service for both their lack of thinking out side of the box and lack of empathy. To get to the point, on XX/XX/XXXX I made a full {$58.00} payment " TO KEEP MY ACCOUNT OPEN, '' as according to Customer Service. That was my food money.
Then, in XX/XX/XXXX, I made a {$5.00} good faith payment. Two good faith payments. I just logged onto XXXX, and to my utter surprise, THEY CLOSED MY ACCOUNT. All of my efforts. All of my calls. All of my attempts to please work with me. The {$58.00} I sorely needed. I NEEDED THAT MONEY - all for naught. They have closed my account and have not even told me. I found out by looking at my report.
I just spoke with a smug, unsympathetic robot, a man, in Escalation at the Bank.
He was not interested in anything I had to say.
I'm disgusted that during such enormous trauma, and with XXXX that I tried so hard and they just closed me.
Shame on them. I wish I could close them. They NEVER offered to waive {$30.00} or {$37.00} fees, to assist me in catching up. They never offered anything to assist me. Now my account is closed. More trauma. Synchrony Bank you are bad people. I should have never even tried.
You're not suffering from trauma. SHAME ON YOU for not keeping up with other credit cards, their empathy. You lack integrity.
|
| 06/16/2016 |
Yes |
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Web |
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Care Credit company continues to have deceptive practices regarding interest rates on cards even after they were orderer to discontinue their unfair and deceiptive practices. I was in need of XXXX and I did not have XXXX insurance at the time to cover the cost. I was offered the card by my XXXX office. They did not explain in detail about " promotional periods '' or " deferred interest ''. The more I pay on my balance, the larger it grows. I am recently divorced and can not afford the growing balance on my account. It has also impacted my credit score as well. I would like a resolution to CareCredit 's unfair and deceptive practices.
" According to the CFPB order, since XXXX 2009, consumers who signed up for the credit card frequently received an inadequate explanation of the terms. Many consumers, most of whom were enrolled while waiting for health-care treatment, incurred substantial debt because they did not understand how they could have avoided deferred interest, penalties, and fees. The CFPB began investigating CareCredit after receiving XXXX complaints from consumers. During the course of its investigation, the Bureau found evidence of : Deceptive enrollment processes : The CFPB found that service providers misled some consumers during the enrollment process by not providing adequate guidance clearly laying out the terms of the deferred-interest loan. CareCredit 's limited involvement during the enrollment process and lack of oversight and monitoring allowed this deception to continue.
Inadequate disclosures : Many consumers did not receive copies of the actual CareCredit agreements and instead had to rely only on the oral explanations given by the service provider or office staff. Many consumers were enrolled on the belief that it was an interest-free card, and did not understand that they were actually agreeing to a deferred-interest product with a 26.99 percent interest rate.
Poorly trained staff : Many staff members in the health-care offices, who were responsible for explaining the CareCredit agreement to borrowers, had received little or no training by CareCredit, and relied only on pamphlets. In interviews with CFPB investigators, some providers admitted that they were themselves confused by the deferred-interest card. ''
|
| 09/24/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Lowes Deck Install Purchase - XX/XX/XXXX Goods delivery date - XX/XX/XXXX - actual date XX/XX/XXXX Job completion date - XX/XX/XXXX - not completed purchase price XXXX credit loan XXXX Three payments done for credit loan for services not rendered.
I'm currently dealing with Lowes and it has been the worst interaction with a company I have ever had. I purchase a deck install in XX/XX/XXXX, still not done and its almost XXXX. Nobody I've talked to, regional reps or regular reps, can give me a schedule of when this 5x8 deck will be done. After calling and forcibly being put on the line with the sub-contractor ( who does not return my calls ), I find out that the inspection that happened two weeks prior failed. None of the reps who I talked prior to this call could provide this detail. It failed due to water being in the un-covered footer holes that needed to be inspected. Sub-contractor told me for the second time that the job will be finished XX/XX/XXXX after telling me it would be done on XXXX. Well it's going to rain for the next 3 days, I don't see any covers on the holes, so it's going to fail inspection again. I've called up and left messages with the one rep and two 'managing reps XX/XX/XXXX, hopefully they will get back to me. But its been five months, I have no real hope.
My first gripe with all this is that I've already taken a XXXX credit line from Lowes and I'm already paying installments on it ( x3 ), but I've yet to see anything actually be built, if this isn't credit fraud I don't know what is. And clearly if I choose not to pay for the credit line, I take the hit and XXXX my credit score.
My second gripe is that for months I didnt hear anything, nothing was delivered. But as soon as I asked for a new contractor or my money back, all the materials magically showed up. Now they are all just sitting here getting rained on. I live in the city, I have no fence to my back yard, its a miracle that the products/timber havent walked. And its not like Lowes will reimburse me for things that get stolen, because in their eyes, theyve delivered the product.
This project was supposed to be done on XXXX. Its XX/XX/XXXX.
I will proselytize to anyone and everyone about Lowes terrible business practices and horrendous customer service.
|
| 10/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX XXXX XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.
|
| 10/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX XXXX XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.
|
| 01/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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|
I received notice through my credit report that my Care Credit card was closed effective XXXX XXXX. I receive no notice, the company claimed to have sent an email, but I show no record. I just had XXXX on XX/XX/XXXX and planned to use this card to pay for medical bills. When I called Synchrony/Care Credit on XX/XX/XXXX they stated the account was closed due to in activity. I asked if they provide advance notice, because if they did they would learn the card was planned for use, they confirmed they do not provide advanced notice, they just close the account. Not only does this impact my credit score without warning, I am now without a payment method for my medical bills. I offered to even provide documentation of my medical event for proof. I asked for them to resend the notice of account being closed they said they are unable to send the email, but will send it via US mail within 20 days. The manager stated I should have the message in my online account messages, which I checked while on the phone with her and explained the message was not there, it just states account closed. They stated they are unable to reopen my account or line of credit, and I would have to apply for another credit card with the company. I asked for any type of documentation ( email, letter, even phone recording ) of the call confirming my complaint and their response, and I was declined of that request.
My account was used within the last year, and my last payment which paid the balance of the card was processed on XX/XX/XXXX. So my account was only 10 months of no activity.
While I understand reviewing accounts and need for closure at times, I dont understand how this can be legal doing so WITHOUT prior notice or account reviews with the customer. Not only does this impact credit scores, but leaves people in situations like mine, where now I can not pay a medical bill, and the company is not held responsible in any fashion. So how do I pay for my medical bills now that I no longer have this payment method as planned?
I have provided screenshots of my account with this complaint. The account will not even show my activity because it is closed. I have also provided a screen shot of my message account as proof I never received notice of the account being closed.
|
| 01/20/2023 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American, Servicemember |
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I purchased and XXXX XXXX XXXX inch described as new and came with a DVD Player from XXXX with my Synchrony XXXX XXXX. But when I tried to use the laptop, it was neither new nor had a DVD Player. I have been disputing it for months now, with the seller, with XXXX and last dispute was with Synchrony Bank. Neither of them responded except the seller apologized and offered me {$25.00}. I'm a senior and can afford to lose this kind of money and the amount is {$490.00}. It's been several months now, but instead Synchrony Bank reduces my credit limits due to misunderstandings with my credit score that I'm working on fixing with the help of XXXX. When my credit score was XXXX, I was subjected to IHSS Gubernatorial Tort for 3 months, illegally with no payments. I'm working on an appeal with them. But then Synchrony bank sends me a letter today with no questions asked, reducing my limit. I've been a loyal customer with XXXX for over 20 years, but because this month 's payment failed synchrony bank is assuming I did not make the payment. In fact, when I spoke to XXXX, he understood that I had made the payment but because my checking account number changed, Synchrony Bank rejected the payment. I then today, immediately called Synchrony Bank and made the payment immediately with my XXXX XXXX XXXX XXXX linked to my new account, but it's the same debit card I've had, it did not change. I explained to him that I did not get the checks until weeks later, but when XXXX XXXX gave me the new account number it was missing one number.
So instead, Synchrony Bank sends me a letter reducing my credit limit, without advance explanation or questions, accessing my credit bureaus without my knowledge or authorization. If they had asked me first what has been going on, I would've explained it. Since, I'm still the same reputable creditor I was when I had a XXXX score. They took action without considering my over XXXX loyalty record with them! Please help me. It's all misunderstandings, due to circumstances beyond my control. In fact, the very thing they are disqualifying me about is the very thing theyre making worst by lowering my limits, affecting my credit score. I dont understand why entities complaint about something theyre the ones making it worse! Thank you.
|
| 12/27/2016 |
Yes |
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Web |
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I opened up a store credit card at Old Navy which uses Synchrony Bank for their cards, I feel that they intentionally held my check which was sent easily before the due date in XXXX 2016 for the full balance of {$27.00}, in order to charge late fees and now interest on top of late fees, ... since this happened in XXXX 2016, they continue to add late fees every single month on top of interest charges, and I refuse to pay this since I paid for all the items I purchased at the store in full. If you look at my credit report, you will see that I have never really ever paid interest on credit cards for the last twenty years of my credit history, since I pay them off every month in full, and so it is clear that this is a blatant effort on the part of Synchrony Bank to try to profit even further from my credit account ( and probably other consumers too ), this is an egregious and predatory practice that needs to stop! My credit rating should not be affected by the credit law violations of this lender. Now it appears that they want XXXX dollars from me just for late fees and interest charges, when I paid for all the merchandise from the store in full, and on time.. I even attempted to go in to the store to make a payment, but the Old Navy store reps stated they do not accept credit payments there, so I just waited for my card statement to arrive by mail, and then sent it in on time ( even though by the time I received the balance due statement by mail it was very, VERY close to the due date- another predatory practice ), I feel that they hung on to my check I sent to them just long enough to be able to charge late fees, which I absolutely and unequivocally refuse to pay. I tried contacting customer service about this on several occasions, they would not remove the charges, and on two different calls with them they proceeded to give me two separate numbers to contact for dispute resolution ( XXXX the first time, and the 2nd time the number given was XXXX, ..but if you were to try calling these, both of these numbers are not valid or working numbers which further shows what kind of lender this is. ) Attached are copies of my payments in full and the statements they send showing erroneous late fees and interest. Thank you for the help in this matter.
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| 04/30/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
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|
Web |
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The PayPal Credit overview page on the internet, which is run by Synchrony bank has misleading information that leads to shady practices and them collecting interest on balances that I thought they were helping me avoid. First, the PayPal credit overview page makes it very difficult to understand the regular purchase accrued interest balance from the deferred interest balance. Then it shows an " Amount to AVOID Standard and Deferred Interest '' which makes one think that the amount will then be split between the expiring special financing purchase balance from that month and the regular purchase interest accrued, so that I can avoid paying standard interest balance. Wrong! The representative I chatted with stated that any payment beyond the expiring special financing purchase balance gets applied to other special financing purchase balance that is expiring at later dates unless I specify how to split it. By doing this, they then continue charging interest on regular purchases that I was trying avoid ( and that they were leading me to believe I was avoiding ) and defeats the purpose of highlighting Amount to AVOID standard and deferred interest as I am not really avoiding any interest if they are IMPROPERLY applying my payment beyond the expiring special financing balance to other deferred interest and not how they are making you believe its being applied. Case in point, my deferred interest balance expiring in XXXX is {$440.00}. The " Amount to AVOID Standard and Deferred Interest '' shows as {$550.00}. If I send that payment, they don't automatically allocate the extra {$100.00} towards my standard interest balance unless I tell them, instead they would apply all the balance to deferred interest balances, thus continuing to charge standard interest on the balance of {$100.00} that they had led me to believe I was going to avoid. I have been paying the " Amount to AVOID Standard and Deferred Interest '' for years thinking that I was avoiding interest, when in reality I have not. If this is not shady, I don't know what is. In contrast, the XXXX XXXX Credit card will apply balance first to any deferred interest that is expiring that month and any over payment to the standard interest balance, thus truly helping me AVOID standard interest.
|
| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I have been an account holder with XXXX XXXX 's credit card services for more than 11 years and have never made a late payment on this account. On XXXX XXXX, XXXX, there was a payment due on this account in the amount of {$14.00}. At that time, I did not realize that there was a balance owed on this account as I had previously been carrying a credit on this account in the amount of {$61.00} since I had overpaid the account during a previous billing cycle. I paid the {$14.00} balance which had increased to {$16.00} after fees had been accessed on XXXX XXXX, XXXX. On the day, I made this payment, I realized that the payment had exceeded a 30 day period and I was concerned that a late payment would be reported on my credit report, so I contacted a representative ( recorded conversation ) to confirm whether my payment would be reported as late. During this conversation, I was informed that I would not receive a late payment report on my credit report because they do not report a late payment until the account is 60 days past due. Unfortunately, when I checked my credit report, it is reporting late with all three credit bureaus XXXX XXXX, XXXX and XXXX XXXX in XXXX XXXX and my credit limit was reduced from {$4000.00} to now only {$100.00}. I contacted the XXXX department with XXXX XXXX 's credit services today, XXXX XXXX, to see if they would put in a request to remove this late payment reporting on my credit since I was previously told on XXXX XXXX, XXXX by the representative that I would not receive a late payment report since my account was not 60 days past due and as a courtesy since I have held this account for over 11 years since XXXX and HAVE NEVER BEEN LATE, and unfortunately, I am unable to get any resolution. Not only have I ever paid this account late, I have also never been late on any of my other credit accounts and this account and all of my accounts are current. I am frustrated because this late reporting on my credit profile has damaged my credit profile and has caused a decrease in my credit scores by over XXXX points. I am only requesting that they consider that I have been a long time account holder and have never paid this account late and make an exception to correct this late reporting on my credit report. Thanks so uch
|
| 10/24/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
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Crate and XXXX/Synchrony Bank offers customers the option to get reward points or deferred interest on qualified purchases made using the XXXX XXXX. Purchases made under the deferred interest option are purportedly tracked under the cardholder 's " promotional '' balance. Those made under the rewards program are tracked under " non-promotional '' balance. Unfortunately, it seems like the company lacks the necessary computer systems to keep track of " promotional '' balances separately from " non-promotional '' balances, leading to incorrect interest charges on customer accounts. My experience is summarized below.
On XX/XX/XXXX, I made a couch purchase using the deferred interest option totaling {$3400.00}. The company reported my " promotional '' balance as {$3400.00} on this date.
Subsequently, on XX/XX/XXXX, I placed another order totaling {$870.00} using the XXXX credit card. I chose not to use the deferred interest option with this purchase. Because the company could not fulfill the order on a timely basis, I cancelled this order after few days. Accordingly, I received a credit of of {$870.00} on XX/XX/XXXX. Based on my conversation with the company 's representative, this {$870.00} credit was going to be applied against the original charge. I thought my " non-promotional '' balance was effectively {$0.00}. But this turned out not be the case. Instead of applying the {$870.00} credit to offset the original " non-promotional '' charge, the company 's systems applied it to my " promotional '' balance which is not subject to interest in the near term. Consequently, I was charged interest for carrying an average " non-promotional '' balance of ~ {$800.00} for about a month. I found this out when I read my statement. Today ( XX/XX/XXXX ), I spent over an hour with three of the company 's representatives to figure out what went on. I was told that this issue would be reviewed and that I would get an answer within two billing cycles. I was told that to avoid further interest charges, I need to pay off the incorrect " non-promotional ' balance by the current month 's due date. Effectively, the company is forcing me to pay undue interest and pay off part of my " promotional '' balance which I supposedly don't need to pay off until XXXX.
|
| 01/08/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
I pay all my Bills with XXXX Bill Pay on a monthly basis ; I was not behind or late on any payments. I send a designated amount each month, over, the minimum payment and I check the accounts each month.
My Account was 30 % below my Credit Limit.
Synchrony Bank / Pep Boys closed my account down after they initiated a Not Authorized Credit Check on me and of my Account. I was still paying on about XXXX XXXX ( {$300.00} ) dollars of charges.
Periodically, I use my Pep Boys account to purchase sets of tires or other high cost automotive services.
Although they Initiated an Unauthorized Credit Check of my account, my account was active and current ; but, they closed it Although, they closed the account, I still continued to pay the monthly payments to pay the account off.
I have my XXXX Bill Payment records to prove it.
They show it as a charge off ; this is false, I was paying consistently and on time.
I have been cleaning up my Credit Report and paying down all of my debt. When Synchrony Bank closed my account ; it resulted in a NEGATIVE Impact on my Credit. I was current with no late payments.
I filed a complaint with the Pep Boys, Synchrony Bank and the Credit Bureau ; nothing was ever done by the two companies.
They ignored my complaint of closing the account and NEGATIVELY IMPACTING my Credit Report with the Credit Agencies.
This is not fair or morally right.
They are ruining my established credit, by canceling my long term account, they are showing a charge off, or a pay off, and withdrawing my established Credit Limit of {$1200.00} - which immediately impacts my credit score, by reducing {$1200.00} in available credit.
This results in showing a higher debt to credit ratio, than the reduced Debt to Credit Ratio that I had established.
The final result, is a bad credit score and no way to repair the credit report. Then all of the companies, are allowed to charge 'higher interest rates ', for any credit awarded, for any new accounts.
This is a vicious, subtle process, the credit bureaus intentionally ; don't respond or respond saying they can't do anything to help.
The train is driven by all of the UNAUTHORIZED or RANDOM CREDIT CHECKS the Companies randomly pull on CONSUMERS - WITHOUT - CONSUMERS KNOWLEDGE.
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| 04/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I am a victim of identity theft, I had 39 applications in XXXX and XXXX from Synchrony Bank for store retail cards, credit cards, balance transfer credit card, gas credit card, I followed the list from FTC for victims of identity theft and I filled 2 police reports in XXXX for identity theft with the local police department, 1 report for stalking, 1 report for harassment by phone, 4 identity theft reports with FTC for every time the cards were used and a billing statement would appear in my mail box.
It became worst when the identity theft escalated to mail theft, most cards applied for and issued by Synchrony Bank were either forwarded to a clandestine address and never received or stolen on the mail without a trace. When contacting the bank in XX/XX/XXXX I was assured that every account would be closed and removed from my credit without hurting my credit score.
48 hours later I called to follow up on XX/XX/XXXX and the Synchrony Bank associate had no history of my phone call, I took 28 phone calls to every department store working with Synchrony Bank to receive a letter in the mail from their fraud department to fill it up the fraud forms and provide the police reports. My credit went from XXXX credit score to XXXX and still dropping, a year has passed and every month an account from Synchrony Bank shows up in my credit report and a letter from the bank stating that I am benefiting from an account that I don't even have the credit card.
In XX/XX/XXXX I was robbed in my office/work at XXXX XXXX XXXX, at XXXX, MD, whereas my driver 's license, my paycheck, my cash, my house keys all were stolen from my desk but I took the necessary measurement at the time and filled a police report at the scene.
I am a victim of a crime, I even involved the State Attorney of Illinois which she provided a letter stating that no reporting to the credit report should be allowed under Federal Law resulted from a crime investigated by its office.
Just to resume : 5 police reports, letter from FTC for Identity Theft, letter from the State Attorney of Illinois for Victim of Crime ; It is not only illegal to collect the theft but the points lost every month of XXXX points for an account pass due or maxed out that I have no ownership of the shopping spree.
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| 11/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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After pulling my XXXX credit report on XXXX/XXXX/XXXX I found two tradeline errors from Synchrony back for two accounts whichare not my account, I am unaware of account numbers nor did I authorize the opening of any accounts with this bank. On XXXX/XXXX/XXXX I wrote a letter to the bank and mailed it certified mail. It was received by the bank on XXXX/XXXX/XXXX. The first response from the bank was dated XXXX/XXXX/XXXX and did not provide any rational for why the investigation determined the account ( only one of the accounts not both ) was mine, it was a generalized letter that only confirmed that my address was different than the address listed on the account. I sent a follow up letter explaining this was a non response and noted the letter admitted that information on the account did not match the information I had provided.
On XXXX/XXXX/XXXX I received a second response dated XXXX/XXXX/XXXX and stated they had no knowledge of an account and asked for information, which I had provided in the original letter to the bank. I replied to the bank on XXXX/XXXX/XXXX explaining the incorrect tradeline error and outlining my communications to date including the errors noted on the banks form letter responses and providing all the information requested in the second response letter to include copies of the credit report showing the error which was included in my original letters.
On XXXX/XXXX/XXXX I received the same original form letter with no acknowledgment of the detailed information I had provided or the required written justification for why their investigation concluded that the tradeline were accurate. Furthermore, one of the accounts listed an open date on my credit report which was in XXXX which would mean this bank opened an account for an XXXX XXXX XXXX if you assume their investigation concluded the tradeline was correct.
I provided sufficient information to the bank in all of my communications ( all via certified mail ) to identify the inaccurate accounts and make the required tradeline corrections with the reporting agencies. To date all communications from the bank have not meet the requirements to investigate and provide correction or written justification in compliance with the law. I have copies of all communications.
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| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2022 a hard credit inquiry was put on my XXXX XXXX credit report. On XXXX XXXX XXXX XXXX XXXX, this is listed as : SYNCHRONY FINANCIAL ( Finance ) In XXXX XXXX
On XXXX XXXX website, it is listed as : SYNCHRONY FINANCIAL XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted Synchrony Bank by both web chat and phone. They could not find any new applications that would cause this inquiry, for my SSN. Synchronys recommendation was to contact XXXX XXXX, to find what the exact type of account, because Synchrony can not investigate the situation without the full information.
I contacted XXXX XXXX, and they told me the hard inquiry can not be removed from my account without both me and Synchrony bank postal mailing XXXX XXXX the proper documentation to have this removed. I told the XXXX XXXX rep that Synchrony could not find anything and could not investigate without further information. The XXXX XXXX rep said, We can't disclose these kind of information 's since this inquiry has raised from their side we need a letter of authorization from their side in order for us to remove from the report.
This may have been a potentially fraudulent account application at worst and an annoying ding to my credit score at the least. I had no part in this making its way onto my credit report and neither XXXX XXXX XXXX Synchrony Bank seem to be willing to help me with the situation. Slow walking and stone walling this process is not acceptable.
I contacted XXXX and they told me exactly what I needed to tell Synchrony to dispute this as fraudulent. I called Synchrony Bank back and read them exactly what I was told to say. They looked it up with my SSN and transferred me to the Lowes Commercial department. They couldnt give me any further information, and suggested I contact XXXX XXXX.
At this point, Im really not sure how to proceed, since neither is willing to give me any information or help in the slightest. Anyone have an idea on how to go about resolving this situation?
Note : The inquiry is showing up as XX/XX/2022 on XXXX XXXX and XXXX XXXX. It is showing up as found on XX/XX/2022 on XXXX. I can not currently log back into XXXX XXXX to get the documentation directly from their site.
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| 09/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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There was transactions reported by me on XX/XX/2021. Paypal flagged my account as i dispute the charges. I kept telling pay pal that it seems to be illegal charges being made on my account. Paypal denied the charges and i reopened the dispute and told the financial institution. I disputed it right away. Paypal denied it right away again. Told me to take it up with the bank. I told them it never came out how is it I'm seeing it in my Paypal? They were very rude and threatened that if I didnt pay this account my credit would be ruined and the relationship with synchrony would be severed. Paypal let another transaction go through while there was open disputes. Then paypal let another transaction go through even though it was flagged it. The bank said it was fraud for the other 2 payments and said NO. I called and let paypal know it was not to go through because it was unauthorized. Paypal let it go through anyway DESPITE the DISPUTE that was in progress. Why? I asked them why would they let it go through if there was open transactions that were actively in dispute Paypal had the opportunity to STOP that payment. The errors were never fixed and Paypal continued to limit my account, which caused them to fraudently charge my account interest and late fees. They have damaged my credit. How can I efficiently make a payment if the site does not work. They limited my account due to identity, but wont remove the charges or interest fees. An unauthorized payment was paid by paypaland they need to do a charge back from the other party. He has their money. They have flags on my account NOW which should have been there from this scam they pulled and it would. The bank told them it was fraudulent. Why didn't paypal take the appropriate action to cancel the payment? Especially since I nor the bank authorized it. It should have been flagged as unauthorized unfunded or nonpayment. I now have a balance of {$2300.00} on my paypal account because the site is a scam and wont allow me to make a payment. I have to call by phone which they always state long hold times. I have asked them to validate this debt on multiple occasions. Paypal has shown abusive and deceptive debt collection practices, according to 15 USC 1692 this is a direct violation of my rights.
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| 03/24/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Fees or interest
- Charged too much interest
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Web |
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On XX/XX/2019, I stopped by the XXXX XXXX showroom in XXXX, MD to look for a new bed. As I and a sales representative walked the showroom floor, I spotted 2 types of beds. I asked the representative, " how much is this beds? '' She scanned both of the price tickets, walked over to the computer and looked up the one bed I was must interested in by the item number. Based on the computer 's price, the bed listed at {$770.00}. I then asked, if they have credit. However, I also made it clear, I wanted to put down some money ( {$300.00} ).
As we walked over to the counter, the sale representative informed the cashier, I was interested in their credit plan. Unbeknown to me, the cashier had called some telephone number, spoke to someone on the phone. I then spoke to the person who instantly says, " I've been approved for {$2500.00} and a credit card will be sent to me, I then stated, " wait a minute. I did not ask for a credit card. '' I was then informed, in order to get the bed, I had to get the credit card. Of course, I was never, ever informed about the interest rate of the card. Later, I received an e-mail notice from one of the credit bureau, XXXX.
XXXX informed me, some company had pulled my credit. I never authorized any credit bureau to release or to authorize pulling my credit report. In fact, my credit report is locked to keep any company from pulling my information which leds to my credit score being lowered. I am not happy that some company named SYNCB, XXXX XXXX XXXX, XXXX, XXXX XXXX, or the fact that XXXX allowed any company to access my credit information without me unlocking. Not acceptable!!
What is this complaint about?
XXXX XXXX did not disclose the terms of the credit card, or what is the interest rate. Also, XXXX breached its duty to protect my credit report, by allowing a company, SYNCB to access my credit information. ( My credit information is locked. Without me unlocking my XXXX account, my personal information should not been released. ) What type of problem are you having?
Not know, what the interest rate is on the credit card.
What happened?
Uncertain as I do not have the bed.
What company is this complaint about?
XXXX XXXX, XXXX and SYNCB.
Who are the people involved?
XXXX XXXX, XXXX and SYNCB
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| 09/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I recently opened a PayPal XXXX XXXX account within the past month or two. I have been making payments on the card at a minimum rate of XXXX per month. Sometimes I make extra payments from my savings account to get that balance to {$0.00}. So It could end up I make XXXX payments that month ( like a responsible adult ). Recently, I discovered my last payment made on XX/XX/23 would be held for 2 weeks. Effectively cutting my balance in half and disrupting my budgeting for the rest of the month. I called PayPal and was told of my funds release date and was told this would not happen again, as this first occurrence were for " security reasons '' only. This was a lie. I made a second payment yesterday XX/XX/23 to bring my total balance to {$0.00}. And this morning, XX/XX/23, I learned that my last payment still wont clear until tonight and my most recent payment ( both over {$1000.00} ) won't be released until XX/XX/23. Over the course of 2 weeks I have paid over {$2000.00} to this credit issuer and I have no funds ( ~ {$12.00} to be exact ) to spend as I write this.
None of these " security measures '' were advertised to me in a way that was plain and obvious. There was no way I could have predicted that paying off my balances would result in me being penalized and flagged as a " security risk ''. Their excuse is that the funds could bounce and I could spend more of their money if they prematurely approved funds after my payment. Yet, every other reputable credit issuer would only hold my funds for XXXXhrs max. How can they do this and not PayPal/Synchrony? The funds have been approved and released from my account. That money is gone. When I asked If I should send cash instead, they highly discouraged it. They are afraid of my bank payments bouncing yet wont accept the most legitimate way of receiving their money.
I suspect they want me to hold a balance so that they may charge me interest. Which should be a civil offense that should garner legal action. It is a morally corrupt system they have in place and I would have to deal with this for at least 6 months according to them before they can approve my payments any faster.
I have requested a refund of my money since this credit card is useless and they do not deserve my business.
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| 02/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
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On XXXX/XXXX/22 I took a a cashiers ck in the amt of {$3800.00} to a Sams club to pay off my Sams credit card account. The payment was posted by Synchrony Financial who manages the Sams credit cards and a week later it was reversed. They said it was returned by the bank in which had issued it. I got confirmation from the bank that it was not been returned. When I called, they asked that I take it back to any Sams Club store and have it resubmitted. I then took the cashiers ck to another store on XX/XX//22, they said I had to take it through the cashier and they would process it. It was again posted to my account and a week later it was again reversed and my account was closed due to having 2 payments returned. I contacted the bank again to see if the cashiers ck had cleared and it had so I sent a dispute to Synchrony showing that I had made the payments and it was corrected but they would not reopen my account.
I also have a CareCredit card that is also managed by Synchrony and because they show 2 payments returned on my Sams card, Synchrony also closed my Carecredit card and both are reported as closed by creditor on my credit report which I consider as derogatory comments. It will affect my credit score for something that was not my fault. Both cards were paid off with cashiers checks and both are managed by Synchrony Financial. I disputed the closing of my CareCredit card and they stated that the Sams store reversed my payment both times that I took it up there. If that was the case, why would they then reverse the return and post it to my account? They told me I had to contact the store to find out why it was initially reversed on both occasions. I have called multiple times and spoke to the frontend managers at the store located in XXXX XXXX, Texas. I was told that I would get an email or a call from the accounting dept to try and see what happened but no one has called. I called and asked to speak to the store manager and they refused to let me speak with him.
I have had my CareCredit card for a very long time, they will not reopen it unless I can prove that the payments on my Sams card were reversed in error by Sams Club. I can not get anyone to tell me why a cashiers check was reversed or anyone to help me with the issue.
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