Date Received: 2022-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 I made a purchase for {$5200.00} at Conn 's XXXX XXXX. This was a differed interest purchase so no interest has been accrued. The minimum payment was {$140.00}. On XX/XX/2022 I made a {$3700.00} payment leaving the balance at {$1300.00} On XX/XX/2022 I cancelled a portion of the warranty on the original purchase made on XX/XX/2022. As a result of cancelling the warranty, the Credit Card Company Synchrony XXXX counted the cancellation as a second purchase of {$5100.00} on XX/XX/2022. No purchase was made on XX/XX/2022. Fraudulently bringing the total balance on the Credit Card to {$6400.00}. Upon noticing this on the statement, I called the Store Manager on XX/XX/2022 who confirmed there was no second purchase, the Store Manager called Synchrony and had their in store Credit Department send the paperwork over to Synchrony and I filed an official dispute with the store. The Store Manager provided me the number for Synchrony at which point I called them twice and filed a formal dispute with their Fraud Department on XX/XX/2022, I was transferred and spoke with the billing department who stated they would cancel the auto-pay for XX/XX/2022 and not debit us for the month as the debit amount was twice the minimum payment due of {$140.00} at {$290.00}. On XX/XX/2022 I received a letter via email that stated below. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " We're here to help you resolve your recently opened dispute claim. '' " Here 's what we've done so far : '' - '' Opened a claim for the disputed charges, If we need additional information, we'll send you a form to complete and return to us. '' - '' Adjusted your account to reflect the disputed amount. You're not responsible for this amount while our review is underway. No fees or interest will be accrued on the disputed charges during the review process. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On XX/XX/2022 they debited my account for {$290.00}. On XX/XX/2022 I noticed they had debited my account and called the Synchrony Fraud Department. I reiterated the situation and they transferred me to another agent who spoke with my account manager. I asked for them to review the previous recording 's from XX/XX/2022 to confirm the billing department stated they would cancel auto-pay for the month and would not debit my account. They stated that the recordings would have to be subpoenaed. They stated they had no records from the store and I would have to call my bank and file a fraud dispute for the {$290.00} debit. On XX/XX/2022, I called the Store Manager again and went over what the Synchrony had told me over our phone calls. I asked the Store Manager where specifically the in store Credit Department sent the paperwork over to Synchrony, he stated he was unsure, however on XX/XX/2022 he had already emailed the in store Credit Department and they confirmed they were working to get it resolved. On XX/XX/2022 the Store Manager emailed the in store Credit Department again early in the afternoon and stated we should hear back before the end of the business day. I asked if the in store Credit Department could provide the specific location or email that they are corresponding to Synchrony with to provide the paperwork proving there was no second purchase. The Store Manager stated that they would attempt to retrieve that information from the in store Credit Department. The Store Manager stated that they have seen this a couple of times before where the bank creates a second order on the credit card when there is no purchase made. Again, I confirmed there was no purchase made with the Store Manager and the store only has record of the original purchase from XX/XX/2022. On XX/XX/2022, I called my bank and stated that Synchrony debited from my account and reported the transaction as fraudulent. As a result of Synchrony creating a second charge on the Credit Card, there has been significant impact to my credit score, in which they have failed their fiduciary duties and must resolve the correct statement balances with the Credit Bureaus. Litigation is being considered *Disclaimer I am not currently represented* as Synchrony is not resolving their issue in a timely manner and fraudulently debited my bank account. Additionally, Synchrony stated it would take weeks up to a month for them to reverse the debit. Synchrony stated it would take 60 days for them to investigate this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Verizon Credit Card ( Synchrony Bank ) on XXXX ( Reference Number : XXXX ) and was denied with a claim that my credit was " frozen '' through the credit reporting agency, XXXX. The freeze had been lifted two days prior to the application. I called Synchrony Bank and was told to reapply so they could transfer me to the underwriting department to address the issue " real time '' and help expedite my application. I applied a second time on XXXX and was still denied based on applying too quickly between applications. The policy apparently requires that you wait 30 days before reapplying. After calling again on XXXX, I was told to wait on a letter with a reference number and call back so that the denial issue could be addressed at that time. I received my first and only letter on XXXX ( Reference Number : XXXX ) which was based on the second application. The reason for denial on that letter was : " Prior application submitted too recently ''. I called Synchrony Bank again on XXXX and spoke with a fraud department manager who instructed me to apply again while we were on the line and she would be able to help process application immediately. After being put on hold for several minutes, she then instructed me that I would need to wait another month ( until XXXX ) before reapplying since it had not been 30 days since the last application. She thought that an override of the waiting period could be made on her part but was clearly not the case. This is the most frustrating credit card application process I have ever dealt with. Also, I am very unhappy that my credit score was " dinged '' three times without being approved and if I apply again at the end of XXXX it would be a total of four times. The manager assured me she would remove the credit reporting " dings '' and would like to verify this has in fact been accomplished. I am a brand new Verizon customer and simply want to use the Verizon credit card to pay my bill each month ( instead of my checking account ) so that points can be earned. My credit score is in the 800s and I pay all my credit cards on autopay each month in full. It definitely should not be this difficult to apply and achieve a credit card approval through this bank. Very disappointing and frustrating to say the least.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a credit inquiry on my credit report that I didnt apply to and I tried calling but they dont want to take it off I never applied to them before synb/chervon dc on XX/XX/2022 I never applied there any inquiry I have I have a card with them I never applied to this and I want it removed from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I, the consumer and natural person, received a credit limit decrease by SYNCHRONY BANK for my XXXX credit card ( Account Number Ending in : XXXX ). Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code .-1691c and is pursuant to civil liability under 15 U.S. Code .-1692. I have proof that I was discriminated against by SYNCHRONY BANK due to the response I received. SYNCHRONY BANK is in violation of 15 U.S. Code.- 1642, 15 U.S.Code .-1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was decreased. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SYNCHRONY BANK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78610
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: This is regarding my original complaint. COMPLAINT ID XXXX. Syncrony 's response is insufficient for my likings. I did not receive anything by mail, and their email response was insufficient. The fact that they could not verify my identify me through bio-metric means does not make any sense as I went through the process at the retailer, all to no avail. Syncrony Bank purposely denied an individual with stellar credit, and it is most certain to me, that they do this practice with numerous other individuals seeking credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I was in the Lowe 's of XXXX Missouri purchasing stuff for my weed eater. I was approached by a sales representative claiming all I had to do was sign up for the VIP program and I would get a free bucket, I asked if it was a credit check because it was asking for my social security number she told me it would not go through my credit or affect it, I told her I did not want to do it at that time and to not send my information in and she took her tablet back. Not knowing she entered my information that day I was again approached on XX/XX/XXXX of 2022 in Lowe 's of XXXX, Missouri and I applied for a Lowe 's credit card not knowing I had already had my information turned in 2 days before without my consent. I have reached out to Lowe 's numerous times only to be hung up on and never receive a call back. I want this taken off of my credit report from XX/XX/2022 because I did not consent for this sales representative to put through the information I thought was going to be erased from her tablet when she took it away from me before I could erase my social security number and other personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65536
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Sync/XXXX on XX/XX/XXXX on my credit report that I did not apply for. Ive been a victim of identity theft and have been contacting as many retailers and companies that someone has been applying for credit in my name. The Sync/XXXX is still on my credit report and says it will remain there until XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2022 I was hit with over {$9000.00} in fraud charges from XXXX thru Paypal. The fraud hit several cards, and my bank account. I have provided proof from XXXX that the charges are indeed unauthorized. My bank and other cards have resolved this months ago ; however, Synchrony Bank will not remove the charges. Moreover they are charging interest. I have attempted to contact Synchrony Back ad nauseam. They will not correct this matter even though I've sent proof that charges were unauthorized. Please Help!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes. Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16602
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a letter with XXXX collection agency names on it. " XXXX XXXX XXXX XXXX " and " XXXX XXXX XXXX, XXXX '' showing a debt that I do not owe from " SYNCHRONY BANK ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting me, luckily while vengeful it seems to be a very weak willed entity. Sticks and stone, toughen up. God bless ; - )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A