Consumer complaint received 2022-04-20
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX Synchrony Bank PayPal Credit XXXX XXXX XXXX XXXX, XXXX  XXXX RE : NOTICE OF REFUSAL TO PAY /FCBA, FCRA, TILA BILLING DISPUTE CLAIM If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we can not report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Amount : {$530.00} XXXX Information : XXXX XXXX XXXX XXXX : XXXX {$420.00} XXXX XXXX XXXX ( XXXX ) # XXXX for new booking XXXX ) {$110.00} XXXX XXXX XXXX # XXXX ( XXXX ) for XXXX ) {$530.00} I am writing to dispute a charge of {$530.00} to my PayPal Credit Account account XXXX XX/XX/XXXX, and rebilled on XX/XX/XXXX, to XXXX for XXXX # : XXXX. The charge is in error because : 1. I continue to be denied the full refund with no penalties for the UNUSED HOTEL portion of my reservation, Authorized by HOTEL on XX/XX/XXXX. Please use this email as a reference for the 3rd party record and cancellation # XXXX for new booking XXXX ) ( See attached ) 2. Synchrony Bank failed to properly apply for the refund credit in a timely manner credit was issued to my consumer 's account for {$110.00} ( issued on XXXX ), as required by law. 
3. Synchrony Bank and XXXX engaged in fraudulent behavior and refused a refund even though the customer was entitled to one according to your policies. 
4. Synchrony Bank continues to engage in unfair and abusive acts or practices based upon Servicing and Collection practices and their failure to fully and properly investigate and respond to my billing complaints and transaction disputes. 


PayPal, PayPal Credit- Synchrony Bank XXXX XXXX XXXX XXXX XXXX, and XXXX in violation of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601-1667f, and the Truth in Lending Act 's ( TILA ) unauthorized use provision, 15 U.S.C. 1643, FCRA, EOCA 1974 discriminating based upon public assistance as income, failed to inform me of all eligible IDR programs that would have limited interest accrual, Within 60 days of receipt of a written notice of error, the FCBA requires a creditor to 1 ) acknowledge receipt of the dispute in writing within 30 days ; and 2 ) within two billing cycles, or no later than 90 days, either correct the account or investigate, and provide a written explanation as to why the statement is correct. 

By its acts and practices as hereinabove described, the Respondents have violated the FCBA as follows, without limitation : a. By failing to make appropriate corrections on credit account ending XXXX. 
b. By committing multiple billing errors ; and c. By failing to conduct a reasonable investigation. 
By its acts and practices as hereinabove described, the Respondents have violated the TILA as follows, without limitation : a. By failing to make the proper allocations, adjustments, and/or timely credits to account ending XXXX. 
b. Violated the compliance requirements under the FCBA billing errors dispute and investigation process As a result of their unlawful conduct, I spent countless hours, often missing work, communicating with several agents and supervisors, and became increasingly worried and confused by the misinformation provided by XXXX XXXX, PayPal, and Synchrony Bank to the three credit reporting agencies. 
After XXXX XXXX and still aggrieved by this unresolved ongoing billing dispute I grew more stressed and aggravated by the Respondents inability to coordinate a resolution and XXXX XXXX XXXX XXXX XXXXXXXX due to the Respondents unfair, deceptive, and abusive practices The Respondents are liable for statutory penalties and actual damages sustained as a result of the Respondents ' violations of the FCBA and TILA as well as attorneys ' fees and costs. 
Resolution Sought : IMMEDIATE CONSUMER REDRESS INJUNCTIVE RELIEF MONETARY DAMAGES FOR EACH INDIVIDUAL VIOLATION from XXXX date of correction, plus interest for each day I was DENIED the applied credit and for NEGLIGENCE, UDAAP, BREACH OF BILLING DISPUTE INVESTIGATION PROCESS which denied and deprived me of my MONEY and caused undue emotional distress and duress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief