Date Received: 2024-02-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I filed for arbitration. The judged granted motion for arbitration and to stay the case while we arbitrate.. Synchrony is harassing/intimidating me by sending an order for summary judgment and a list of witnesses against me. What am i supposed to do if I am electing arbitration. Also, I requested for them to pay for the expensive arbitration deposit fee but they are not following up with me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Charge amount is {$180.00} and the charge hit my account on XX/XX/2023. I reported a dispute to the vendor XXXX XXXX and to the credit card issuer, Synchrony Bank . During the course of the vendors investigation, they agreed in writing that a refund would be issued ; however, since the card issuer had given me a temporary credit, the vendor said there was nothing for them to do again in writing. The card issuer reversed the credit, despite the cofactors that the vendor was admitting a mistake. The card issuer didnt care. They refused to review my communication with the vendor. The vendor said if I could get a letter from the card issuer denying my claim, they would send me a refund. The issuer has not sent me a letter despite several requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After carefully accessing my credit report I noticed credit Inquiries I have never authorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 3 inquiries in my credit report under XXXX XXXX from XX/XX/XXXX, Informative Research miscellaneous from XX/XX/XXXX, Syncb/Tjx Co Dual Card XXXX XX/XX/XXXX. I do not recognize this inquiry because I am have just turned XXXX XXXX XXXX that time and does not know anything about credits. Please dispute/remove this in my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96819
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Problem with customer service
Subissue:
Consumer Complaint: I'm not accused of Paypal he says I took a credit of {$1500.00} I don't recognize having taken a credit with Paypal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58103
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Subject : Synchrony Bank Please see numerous complaints similar in nature CD # XXXX opened XXXX XXXX XXXX XXXXXXXX month term Funding initiated within the XXXX business day window. Proceeds were debited from external bank account on XX/XX/2024, however did not show up in Synchrony Account until XX/XX/2024. I was informed that the initial stated interest rate was lowered from 5.5 % to 5.0 % due to delay in funding. Contacted Bank and was told I could close account with only a XXXX day early withdrawal penalty Notified account was closed on XX/XX/2024 but XXXX month penalty would apply Contacted the Bank on XX/XX/2024 about the delay in receiving my funds and the penalty issue. Was told it takes them XXXX days to close the CD and another XXXX days for me to receive the funds.In addition, they admitted making a mistake on the penalty and informed me the additional funds should be received within XXXX days. My assertions : Synchrony Bank is using less that professional standards processing credits and debits by delaying tactics which allows them to use clients funds as float, thus earning additional interest income. ACH debits/credits are not subject to these long delays. Please investigate all relevant complaints similar to mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Synchrony Bank is changing policy to charge monthly a {$1.00} to get my Lowes credit card bill. I require a paper copy and find it unfair that my billing statement has to be now paid for to pay them. I use these as reminders that my bill is due not to miss a payments or have them tack on a late fee. I find this unfair practice to enforce their policy to the consumer. If we owe them hem a payment they have their obligation to send the bill and not charge us to get more money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a couple of credit cards with synchrony bank, all of them I always pay on time, but lately, for no apparent reason, the company start lowering dramatically the amount of credit that I had in all of them. Then, I complain about that in their XXXX page and after that they closed XXXX of my accounts. I didn't ask them to do that. Is seems like a retaliation. I saw that many people are complaining about similar things and some of them even worse. My payments are all on time and this doesn't make any sense besides damaging my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74136
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Were using a prepaid card to pay payments And still charging late fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I used my " Paypal balance '' to make a payment on my Synchrony Bank card, which was immediately deducted from my account and applied to my credit card with confirmation. On XX/XX/XXXX I received an email stating that my payment had been returned as insufficient funds. I made a 2nd payment of {$200.00} on XX/XX/XXXX from my bank account, and then later the same day I got a 2nd email stating my first payment from XX/XX/XXXX was applied to my account. They are also charging me a higher interest rate on a " Cash advance '' from XX/XX/2023, but I have never advanced cash from this account. I have also paid OVER the minimum amount, consistently, every month, but they have not applied those payments to the higher interest cash advance loan and they do not give me a mechanism to specify where my payments are applied. They also feature " interest free purchases '' if the payments are made within a year, but how they apply those payments are inconsistent, and they do not give any information as to what balances remain with an introductory balance. I pay XXXX to XXXX the minimum balance every month but my amount due seems to be INCREASING every month due to how they process their payments, how they apply payments, and how they expire their introductory rates and apply interest, none of which is disclosed to me. Everytime I call I end up in an XXXX call center with someone who says " that's just how it works. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A