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synchrony_training_data_102323

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7/1/2023

Credit reporting

Improper use of your report

SYNCHRONY FINANCIAL

AZ

I do not have any knowledge of applying for a credit card with XXXX. Nor do I have a contract with the debt collector. I demand this inquiry be removed from my credit report.

credit reporting improper use of your report synchrony financial AZ i do not have any knowledge of applying for a credit card with xxxx nor do i have a contract with the debt collector i demand this inquiry be removed from my credit report

['never applied', 'credit card', 'credit report', 'hard inquiry', 'debt collection agency']

7/1/2023

General-purpose credit card or charge card

Fees or interest

SYNCHRONY FINANCIAL

NJ

In XX/XX/2023 I applied for and received a PayPal Credit Card serviced by Synchrony Bank. This card was tied to my PayPal account. I did not receive a statement after two months use but I did receive a notification from Pay Pal that the account was in arrears. I was confused by this but assumed that there was a processing problem. I immediately debited my checking account and completely paid off the total balance on XX/XX/2023. After doing so I received notification from PayPal that a payment was made and my balance was {$0.00}. I also contacted PayPal to report my difficulty receiving timely statements and was told to contact the Synchrony Bank about that issue. When I contacted Synchrony Bank I was told to establish a direct debit from my checking account. The customer service representative also said that interest charges and fees would be reimbursed to my account. I provided my checking account information to Synchrony Bank and assumed that the issues were resolved. In late XXXX I had again not received statements but was surprised that I got a notification from PayPal that my account was overdue. I had assumed that the direct debit if my checking account to pay balances was in place so I was surprised. I contacted Synchrony Bank and was told that direct debit of my checking account ( auto pay ) was not in place and that I had a large overdue balance as well as fees and interest due. This time I asked for a review of my statements which.to my knowledge I never received. I was told to look for the statements in my Spam/Junk mail. When I did that I was surprised to find that indeed the statements were in the JUNK file because they were identified as service @ paypal. After reviewing the charges which were accurate I told Synchrony Bank that I wanted to terminate my card. After several conversations with customer service agents and several dropped conversations I was finally told that I could not close the account until I paid the outstanding balance including the interest and fees from BOTH episodes. At this point I simply wanted to end my relationship with this bank and paid the balance in full. After the payment was cleared I called to cancel the card and was told that in addition to the late fees and interest I would also forfeit my cash-back account in the amount of {$130.00}. So this experience cost me {$80.00} in late fees + {$88.00} in interest charges + {$130.00} forfeited from the cash-back account. {$270.00} in total. This after being told on three occasions that the fees and interest would be credited to me because of the mix-up. I cant help but believe that this pattern of behavior is deliberate on the part of Synchrony Bank and the Pay Pal Credit Card. I can also assume that this response from the Synchrony Bank and Pay Pal have adversely affected my Credit Score. This organization needs to be held accountable for this despicable behavior.

generalpurpose credit card or charge card fees or interest synchrony financial NJ in xxxx i applied for and received a paypal credit card serviced by synchrony bank this card was tied to my paypal account i did not receive a statement after two months use but i did receive a notification from pay pal that the account was in arrears i was confused by this but assumed that there was a processing problem i immediately debited my checking account and completely paid off the total balance on xxxx after doing so i received notification from paypal that a payment was made and my balance was i also contacted paypal to report my difficulty receiving timely statements and was told to contact the synchrony bank about that issue when i contacted synchrony bank i was told to establish a direct debit from my checking account the customer service representative also said that interest charges and fees would be reimbursed to my account i provided my checking account information to synchrony bank and assumed that the issues were resolved in late xxxx i had again not received statements but was surprised that i got a notification from paypal that my account was overdue i had assumed that the direct debit if my checking account to pay balances was in place so i was surprised i contacted synchrony bank and was told that direct debit of my checking account auto pay was not in place and that i had a large overdue balance as well as fees and interest due this time i asked for a review of my statements whichto my knowledge i never received i was told to look for the statements in my spamjunk mail when i did that i was surprised to find that indeed the statements were in the junk file because they were identified as service paypal after reviewing the charges which were accurate i told synchrony bank that i wanted to terminate my card after several conversations with customer service agents and several dropped conversations i was finally told that i could not close the account until i paid the outstanding balance including the interest and fees from both episodes at this point i simply wanted to end my relationship with this bank and paid the balance in full after the payment was cleared i called to cancel the card and was told that in addition to the late fees and interest i would also forfeit my cashback account in the amount of so this experience cost me in late fees in interest charges forfeited from the cashback account in total this after being told on three occasions that the fees and interest would be credited to me because of the mixup i cant help but believe that this pattern of behavior is deliberate on the part of synchrony bank and the pay pal credit card i can also assume that this response from the synchrony bank and pay pal have adversely affected my credit score this organization needs to be held accountable for this despicable behavior

['PayPal', 'credit report', 'credit card', 'fee', 'checking account', 'customer service', 'interest']

6/1/2023

Credit card debt

Took or threatened to take negative or legal action

SYNCHRONY FINANCIAL

NC

Received a phone call from my sister in law that someone called me from XXXX and asked me to contact them on XX/XX/XXXX. I took down the information and gave the company a call. I spoke to a guy who didnt give me a name. He stated that I owe Care Credit {$950.00} and I needed to pay today in order for my file not to go to the court tonight at XXXX. He stated that the company will garnish my wages and put a lien on my property.He also stated that ny husband and I have the capability to pay the debt so I needed to pay it and that even though my husband and I were not married when this so-called debt was done NC is a state that will allow them to go after him as well. I asked for clarification but he was only interested in telling me that I needed to pay now and that if I didnt I would have {$4000.00} in court fees. This debt was supposed to have happened in XXXX and I do not recall having Care Credit.

credit card debt took or threatened to take negative or legal action synchrony financial NC received a phone call from my sister in law that someone called me from xxxx and asked me to contact them on xxxxxxxx i took down the information and gave the company a call i spoke to a guy who didnt give me a name he stated that i owe care credit and i needed to pay today in order for my file not to go to the court tonight at xxxx he stated that the company will garnish my wages and put a lien on my propertyhe also stated that ny husband and i have the capability to pay the debt so i needed to pay it and that even though my husband and i were not married when this socalled debt was done nc is a state that will allow them to go after him as well i asked for clarification but he was only interested in telling me that i needed to pay now and that if i didnt i would have in court fees this debt was supposed to have happened in xxxx and i do not recall having care credit

['Care Credit', 'lien', 'garnish wages', 'debt']

5/1/2023

I do not know

Attempts to collect debt not owed

SYNCHRONY FINANCIAL

FL

I have circled the items I dispute on the attached copy of my credit report ( s ). This item : 1 ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX VA XXXX ) Original Merchant : XXXX XXXXXXXX XXXX XXXX XXXX. Account # ( XXXX ) Reference # ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX VA XXXX ) Original Merchant : SYNCHRONY BANK Account # ( XXXX ) Reference # ( XXXX ) is inaccurate because [ I have never owed XXXX XXXX XXXX XXXX nor have I ever entered any legally binding contracts with them The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy fairness and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I am requesting that [ XXXX XXXX XXXX XXXX ] have the item removed immediately. Enclosed are copies of [ my credit report ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.

i do not know attempts to collect debt not owed synchrony financial FL i have circled the items i dispute on the attached copy of my credit report s this item xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx va xxxx original merchant xxxx xxxxxxxx xxxx xxxx xxxx account xxxx reference xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx va xxxx original merchant synchrony bank account xxxx reference xxxx is inaccurate because i have never owed xxxx xxxx xxxx xxxx nor have i ever entered any legally binding contracts with them the fair credit reporting act fcra usc et seq governs access to consumer credit report records and promotes accuracy fairness and the privacy of personal information assembled by credit reporting agencies cras i am requesting that xxxx xxxx xxxx xxxx have the item removed immediately enclosed are copies of my credit report supporting my request please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item s as soon as possible

['dispute', 'credit report', 'inaccurate', 'Fair Credit Reporting Act']

5/1/2023

Installment loan

Charged fees or interest you didn't expect

SYNCHRONY FINANCIAL

GA

I saw that CFPB is focusing on people with medical credit cards being taken advantage of. I feel I am one of these people. I have never been late nor am I having any trouble making my payments. One reason I feel Syncb/Care Credit is the worse. I have been paying this payment on time every month yet they are reporting on my XXXX credit file as being 110 % usage. Which is damaging my credit score. I have attached part of my credit report so it is evident I am upholding my part yet they hit me with such an interest rate it took me over the limit after the grace period. I feel like this is a sneaky business practice and you would need to pay off this loan before the end of the grace period which they do not explain or address. I even paid a lump to get under the limit but the interest is so high it didn't move the needle hardly at all. At the very least medical credit cards should not have a usage. My procedure was semi voluntary however ; many people use medical cards and loans for procedures they must have.

installment loan charged fees or interest you didnt expect synchrony financial GA i saw that cfpb is focusing on people with medical credit cards being taken advantage of i feel i am one of these people i have never been late nor am i having any trouble making my payments one reason i feel syncbcare credit is the worse i have been paying this payment on time every month yet they are reporting on my xxxx credit file as being usage which is damaging my credit score i have attached part of my credit report so it is evident i am upholding my part yet they hit me with such an interest rate it took me over the limit after the grace period i feel like this is a sneaky business practice and you would need to pay off this loan before the end of the grace period which they do not explain or address i even paid a lump to get under the limit but the interest is so high it didnt move the needle hardly at all at the very least medical credit cards should not have a usage my procedure was semi voluntary however many people use medical cards and loans for procedures they must have

['Care Credit', 'credit score', 'credit report', 'medical', 'rude', 'credit card']

5/1/2023

Store credit card

Fees or interest

SYNCHRONY FINANCIAL

CA

My Payments are due on the XXXX of the month and on XX/XX/XXXX I noticed I was charged a late fee in XXXX even though I paid on the XXXX of the month. On XX/XX/XXXX I logged on to make a payment and I noticed that in XXXX again I was charged a late fee. I called TJX Rewards @ XXXX and I asked why I was charged a late fee again when I make my payments early NOT late. I was told they can not reimburse my or credit my account as they can only do that ONCE per year. I shared that their automated attendant suggests you make your payment 7 days early and I make them about XXXX to make sure they are posted and they are posted so WHY do they keep charging me a late fee? I would like an audit of my account and for TJ-Maxx to realize they are erroneously charging me and to credit my account. I can not see XXXX statements and I don't ' know how long this has been going on. I don't know if they are reporting me to the credit agencies. I will check my credit. Thank you for your assistance.

store credit card fees or interest synchrony financial CA my payments are due on the xxxx of the month and on xxxxxxxx i noticed i was charged a late fee in xxxx even though i paid on the xxxx of the month on xxxxxxxx i logged on to make a payment and i noticed that in xxxx again i was charged a late fee i called tjx rewards xxxx and i asked why i was charged a late fee again when i make my payments early not late i was told they can not reimburse my or credit my account as they can only do that once per year i shared that their automated attendant suggests you make your payment days early and i make them about xxxx to make sure they are posted and they are posted so why do they keep charging me a late fee i would like an audit of my account and for tjmaxx to realize they are erroneously charging me and to credit my account i can not see xxxx statements and i dont know how long this has been going on i dont know if they are reporting me to the credit agencies i will check my credit thank you for your assistance

['late fee', 'credit agencies', 'TJMaxx']

4/1/2023

Store credit card

Problem when making payments

SYNCHRONY FINANCIAL

TX

Synchrony strikes AGAIN! I am just so completely dumbfounded. I have had this complaint previously and they hide behind " we apply payments to promotions that are ending within 60 days '' WELL??? I have a promotion expiring XX/XX/2023 and XX/XX/2023. GUESS WHAT?? Synchrony applies {$98.00} of my payment to the promotion expiring XX/XX/2023. Once again unless a consumer IS ON TOP OF THEIR GAME LIKE I AM Synchrony PURPOSES does this as a fatal default and UNJUST ENRICHMENT because they offers are DEFERRED INTEREST. If a consumer were to ignore this EGREGIOUS error the consumer would suffer a {$300.00} INTEREST CHARGE!!!!! Disgusting. This is on top of the fact that I did a return of merchandise to the retailer. Items purchased WERE within this very promotion and when Synchrony processed the return they credited another promotional balance that the purchase was NOT made under. AGAIN. XXXX Synchrony XXXX the consumer.

store credit card problem when making payments synchrony financial TX synchrony strikes again i am just so completely dumbfounded i have had this complaint previously and they hide behind we apply payments to promotions that are ending within days well i have a promotion expiring xxxx and xxxx guess what synchrony applies of my payment to the promotion expiring xxxx once again unless a consumer is on top of their game like i am synchrony purposes does this as a fatal default and unjust enrichment because they offers are deferred interest if a consumer were to ignore this egregious error the consumer would suffer a interest charge disgusting this is on top of the fact that i did a return of merchandise to the retailer items purchased were within this very promotion and when synchrony processed the return they credited another promotional balance that the purchase was not made under again xxxx synchrony xxxx the consumer

['promotion', 'expire', 'deferred interest']

8/1/2023

General-purpose credit card or charge card

Problem when making payments

SYNCHRONY FINANCIAL

AZ

I went into my CareCredit account to pay off my bill through Synchrony Bank. They took {$1400.00} twice. I immediately contacted them on XXXX and they said they will just hold the second {$1400.00} as credit. I said absolutely not. I am requesting immediate refund of that money. After a lengthy call they claimed they could not refund me for 10-15 business days. Despite my objection they claimed that was all they could do. I called today and they claim they are still working on it and it will be another 10-15 days. Absolutely unacceptable. What can I do? Thats a lot of money.

generalpurpose credit card or charge card problem when making payments synchrony financial AZ i went into my carecredit account to pay off my bill through synchrony bank they took twice i immediately contacted them on xxxx and they said they will just hold the second as credit i said absolutely not i am requesting immediate refund of that money after a lengthy call they claimed they could not refund me for business days despite my objection they claimed that was all they could do i called today and they claim they are still working on it and it will be another days absolutely unacceptable what can i do thats a lot of money

['Care Credit', 'refund', 'CUSTOMER SERVICE']

8/1/2023

Store credit card

Fees or interest

SYNCHRONY FINANCIAL

AK

3 months in a row I was charged {$260.00} in interest on a {$3000.00} credit card called the first time I was charged and was told the interest fee was a one time fee because the special promotion ended and I would not be charged again 2 month in a row I was charged I called them again today XXXX and asked why I was charged two more times she said because the special promotion ended again for another purchase and unless I paid it in full {$3000.00} I would be charged a monthly interest of {$260.00} which has to be illegal. I would rather file bankruptcy it makes way more sense then to make a over {$100.00} payment that dies absolutely nothing because my interest charge is double the minimum payment due I would never agree to this it has to be a scam or illegal interest rate charged Ill report this to anyone who will listen This is a PayPal credit card through synchrony bank ridiculous I have 4 other credit cards with synchrony and none of them charge interest like that

store credit card fees or interest synchrony financial AK months in a row i was charged in interest on a credit card called the first time i was charged and was told the interest fee was a one time fee because the special promotion ended and i would not be charged again month in a row i was charged i called them again today xxxx and asked why i was charged two more times she said because the special promotion ended again for another purchase and unless i paid it in full i would be charged a monthly interest of which has to be illegal i would rather file bankruptcy it makes way more sense then to make a over payment that dies absolutely nothing because my interest charge is double the minimum payment due i would never agree to this it has to be a scam or illegal interest rate charged ill report this to anyone who will listen this is a paypal credit card through synchrony bank ridiculous i have other credit cards with synchrony and none of them charge interest like that

['fee', 'promotion', 'illegal', 'bankruptcy', 'scam', 'PayPal']

8/1/2023

Store credit card

Fees or interest

SYNCHRONY FINANCIAL

CA

My Original balance with Mattress firm Synchrony Bank was {$1400.00}. I have been paying on time with this 0 % APR 2 yrs program. Rep from Store just told me no interest for 2 yrs..XX/XX/2023 was the expiration date and I have remaining balance of {$180.00} which I am still consistently paying. To my surprise my balance increased to {$930.00} in XX/XX/XXXX. I am a senior citizen with some XXXX and in XX/XX/XXXXI had health challenges so I couldn't call Synchrony. Now XX/XX/XXXX comes and I saw that they tucked in {$770.00} interests in my balance of XXXX I didn't get any warning letter to payoff the entire balance i didn't get any email nor text ahead of time and Synchrony kept saying it was in my paperless billing. I think this sets me up for failing to pay it off. So unfair to me who is a very good paying customer. My other store card with Synchrony is Ashley furniture. No interest for 60 months and payment is {$90.00} a month. I have reached out to them to remove the interests and that my monthly payment is {$90.00} ... .since XX/XX/2023. Rep kept saying it takes 60 days to straighten it out. Now. My minimum monthly is {$120.00} .... I fairness to me this bank should cancel the interest that they charged me in my mattress firm card of {$770.00} ... ..and the Ashley furniture card they should keep my minimum monthly of XXXX dollars. Or XXXX.

store credit card fees or interest synchrony financial CA my original balance with mattress firm synchrony bank was i have been paying on time with this apr yrs program rep from store just told me no interest for yrsxxxx was the expiration date and i have remaining balance of which i am still consistently paying to my surprise my balance increased to in xxxxxxxx i am a senior citizen with some xxxx and in xxxxxxxxi had health challenges so i couldnt call synchrony now xxxxxxxx comes and i saw that they tucked in interests in my balance of xxxx i didnt get any warning letter to payoff the entire balance i didnt get any email nor text ahead of time and synchrony kept saying it was in my paperless billing i think this sets me up for failing to pay it off so unfair to me who is a very good paying customer my other store card with synchrony is ashley furniture no interest for months and payment is a month i have reached out to them to remove the interests and that my monthly payment is since xxxx rep kept saying it takes days to straighten it out now my minimum monthly is i fairness to me this bank should cancel the interest that they charged me in my mattress firm card of and the ashley furniture card they should keep my minimum monthly of xxxx dollars or xxxx

['Mattress Firm', 'no notification', 'Ashley Furniture']

8/1/2023

Credit reporting

Incorrect information on your report

SYNCHRONY FINANCIAL

PA

I have someone using my address to open bank accounts- it is the third of fourth account they have opened using my address. The name is XXXX XXXX.

credit reporting incorrect information on your report synchrony financial PA i have someone using my address to open bank accounts it is the third of fourth account they have opened using my address the name is xxxx xxxx

['open account', 'fraud']

8/1/2023

Credit card debt

False statements or representation

SYNCHRONY FINANCIAL

GA

I was given a line of credit with " Room to Go '' through Synchrony Bank and I was told there will be no interest accumulated until after one year. They lied and now they are charging me unreasonable late fees and I can't get anyone on the phone to discuss my concern. Furthermore I can't make sense out of my statement online. I notice they recently been sued for their illegal action. Can you help... thank you.

credit card debt false statements or representation synchrony financial GA i was given a line of credit with room to go through synchrony bank and i was told there will be no interest accumulated until after one year they lied and now they are charging me unreasonable late fees and i cant get anyone on the phone to discuss my concern furthermore i cant make sense out of my statement online i notice they recently been sued for their illegal action can you help thank you

['line of credit', 'late fee', 'interest', 'illegal']

7/1/2023

Store credit card

Problem with a purchase shown on your statement

SYNCHRONY FINANCIAL

MI

XX/XX/XXXX I found a charge on my ASHLEY FURNITURE/ synchrony bank account in the amount of XXXX I contacted synchrony bank to tell them about it. This card had a balance of XXXX dollars as it had been recently paid off. I contacted them right away to resolve the issue. It took me calling them on 3 separate occasions before it was even reported as fraud. It is currently under investigation. However they are still charging me monthly payments on the account the balance is now up {$1500.00}. This is not the first issue I have had with them as a potential fraud took place in XXXX of XXXX and lead to them reducing my credit line from {$3000.00} to {$250.00}. The company has been jerking me around and messing with my credit since shortly after opening the account.

store credit card problem with a purchase shown on your statement synchrony financial MI xxxxxxxx i found a charge on my ashley furniture synchrony bank account in the amount of xxxx i contacted synchrony bank to tell them about it this card had a balance of xxxx dollars as it had been recently paid off i contacted them right away to resolve the issue it took me calling them on separate occasions before it was even reported as fraud it is currently under investigation however they are still charging me monthly payments on the account the balance is now up this is not the first issue i have had with them as a potential fraud took place in xxxx of xxxx and lead to them reducing my credit line from to the company has been jerking me around and messing with my credit since shortly after opening the account

['Ashley Furniture', 'fraud', 'credit limit decrease']

8/1/2023

General-purpose credit card or charge card

Other features terms or problems

SYNCHRONY FINANCIAL

MO

I have a Venmo credit card. My credit limit was $ XXXX.I have missed any payment and always paid above the requested amount. I went to use my card knowing I had enough available credit. I rarely used the card. The card was declined. I was shocked and embarrassed. So I called the credit card company I was told they lowered my credit limit. I received no notification no explanation prior to them.lowering my limit. XXXX XXXX XXXX XXXX XXXX when they lowered my credit limit my credit score dropped XXXX points. As I said I always made my payments always paid more than the required amount. They told me they ran my credit and decided to lower my credit limit I had no idea they even ran my credit. As I said I was not i.formed of any of their actions against me.

generalpurpose credit card or charge card other features terms or problems synchrony financial MO i have a venmo credit card my credit limit was xxxxi have missed any payment and always paid above the requested amount i went to use my card knowing i had enough available credit i rarely used the card the card was declined i was shocked and embarrassed so i called the credit card company i was told they lowered my credit limit i received no notification no explanation prior to themlowering my limit xxxx xxxx xxxx xxxx xxxx when they lowered my credit limit my credit score dropped xxxx points as i said i always made my payments always paid more than the required amount they told me they ran my credit and decided to lower my credit limit i had no idea they even ran my credit as i said i was not iformed of any of their actions against me

['Venmo', 'declined', 'credit limit decrease', 'credit score']

7/1/2023

Store credit card

Trouble using your card

SYNCHRONY FINANCIAL

GA

On XX/XX/2023 I was purchasing a refrigerator over the phone through LOWES XXXX XXXX using my LOWES credit card. I have possessed a credit card with LOWES for approximately 8 years and have never been late making a payment and many times paying my full balance off. I have an exemplary credit file with no late payments ever made. Although I had adequate credit available to make the purchase the purchase was declined and I contacted LOWES at XXXX to investigate why. I was given an obscure excuse that the credit bureau is making them verify my identity. They completed the two-step authentification process by sending me a link via my phone number which has been on file and to scan my driver 's license front and back which I did. I read the code back to the male representative upon completion of the process. The phone number XXXX is what LOWES used in this process. They went a step further and scanned my face with artificial intelligence without any disclosure or consent on my credit contract to such acts. The purchase was still denied and my account was closed. It appears to be an act of XXXX profiling because the two-step authentification process was sufficient to validate my identity. I am further concerned about what are they doing with my facial profile with third parties or selling my facial profile. Please investigate accordingly.

store credit card trouble using your card synchrony financial GA on xxxx i was purchasing a refrigerator over the phone through lowes xxxx xxxx using my lowes credit card i have possessed a credit card with lowes for approximately years and have never been late making a payment and many times paying my full balance off i have an exemplary credit file with no late payments ever made although i had adequate credit available to make the purchase the purchase was declined and i contacted lowes at xxxx to investigate why i was given an obscure excuse that the credit bureau is making them verify my identity they completed the twostep authentification process by sending me a link via my phone number which has been on file and to scan my driver s license front and back which i did i read the code back to the male representative upon completion of the process the phone number xxxx is what lowes used in this process they went a step further and scanned my face with artificial intelligence without any disclosure or consent on my credit contract to such acts the purchase was still denied and my account was closed it appears to be an act of xxxx profiling because the twostep authentification process was sufficient to validate my identity i am further concerned about what are they doing with my facial profile with third parties or selling my facial profile please investigate accordingly

['Lowes', 'credit card', 'declined', 'credit bureaus', 'without consent', 'denied', 'account closed']

8/1/2023

General-purpose credit card or charge card

Fees or interest

SYNCHRONY FINANCIAL

OR

PAYPAL is charging 49 % interest per month because I can not afford to pay entire amount on a monthly basis. I pay XXXX they put towards my loan XXXX dollars this month of XXXX. I have been paying 49 % interest for about the last two years I now owe aprox XXXX down from XXXX in XXXX

generalpurpose credit card or charge card fees or interest synchrony financial OR paypal is charging interest per month because i can not afford to pay entire amount on a monthly basis i pay xxxx they put towards my loan xxxx dollars this month of xxxx i have been paying interest for about the last two years i now owe aprox xxxx down from xxxx in xxxx

['PayPal', 'interest']

7/1/2023

Store credit card

Closing your account

SYNCHRONY FINANCIAL

KS

On XXXX XXXX XXXX I received an email from Synchrony Bank Care Care credit card informing me that my account is closed as of today. The reasons are from a credit report from XXXX claiming I dont own enough property and other out of ordinary criteria that I didnt meet and my credit score is XXXX. My XXXX credit report is frozen and has an active fraud alert that expires on XX/XX/2023. Synchrony Bank couldnt have been able to access my credit report. However I did notice that on XX/XX/2023 my bank XXXX XXXX did an inquiry. My credit score thru XXXX XXXX which is thru XXXX XXXX is not the same as what Synchrony Bank informed me. Im confused as to what credit reporting service was used for Synchrony Bank to randomly close my credit card. I was current with payments.

store credit card closing your account synchrony financial KS on xxxx xxxx xxxx i received an email from synchrony bank care care credit card informing me that my account is closed as of today the reasons are from a credit report from xxxx claiming i dont own enough property and other out of ordinary criteria that i didnt meet and my credit score is xxxx my xxxx credit report is frozen and has an active fraud alert that expires on xxxx synchrony bank couldnt have been able to access my credit report however i did notice that on xxxx my bank xxxx xxxx did an inquiry my credit score thru xxxx xxxx which is thru xxxx xxxx is not the same as what synchrony bank informed me im confused as to what credit reporting service was used for synchrony bank to randomly close my credit card i was current with payments

['account closed', 'credit report', 'frozen', 'confuse']

6/1/2023

Credit reporting

Problem with fraud alerts or security freezes

SYNCHRONY FINANCIAL

FL

I received and email from credit report yesterday ( XX/XX/23 ) say that I have an authorized XXXX XXXX card that's over the limit. But I never applied for a card or received a card from Sam 's. Which result in a big drop in my credit score

credit reporting problem with fraud alerts or security freezes synchrony financial FL i received and email from credit report yesterday xxxx say that i have an authorized xxxx xxxx card thats over the limit but i never applied for a card or received a card from sam s which result in a big drop in my credit score

['credit report', 'credit score']

5/1/2023

General-purpose credit card or charge card

Problem with a purchase shown on your statement

SYNCHRONY FINANCIAL

NJ

On XX/XX/XXXX I was notified by Synchrony Bank that my suspicious transactions in XXXX and XXXX were made on my Venmo credit card. At that point I had not even activated my physical credit card. The obvious problem is my virtual card number was stolen. They notified me of the fraudulent charges and told me that I would not be responsible for those charges. I was also told that I would not be charged late fees and I would be temporarily issued a credit for the disputed amount. Recently I noticed that Synchrony Bank charged me a late fee of {$30.00}. They sent a notification for missing payment. I was surprised because I haven't even used this credit card. I was not expecting any charges on it. Upon further inspection Synchrony Bank did not issue a temporary credit for the disputed amounts. They did not do what they told me they would do in the letter. I was told that I am not responsible for the charges on my Venmo Credit Card because they are fraudulent.

generalpurpose credit card or charge card problem with a purchase shown on your statement synchrony financial NJ on xxxxxxxx i was notified by synchrony bank that my suspicious transactions in xxxx and xxxx were made on my venmo credit card at that point i had not even activated my physical credit card the obvious problem is my virtual card number was stolen they notified me of the fraudulent charges and told me that i would not be responsible for those charges i was also told that i would not be charged late fees and i would be temporarily issued a credit for the disputed amount recently i noticed that synchrony bank charged me a late fee of they sent a notification for missing payment i was surprised because i havent even used this credit card i was not expecting any charges on it upon further inspection synchrony bank did not issue a temporary credit for the disputed amounts they did not do what they told me they would do in the letter i was told that i am not responsible for the charges on my venmo credit card because they are fraudulent

['credit card', 'late fee', 'fraud', 'Venmo', 'stolen', 'fee', 'dispute']

2/1/2022

Store credit card

Closing your account

SYNCHRONY FINANCIAL

MO

I was notified that my account was paid off and as a result closed the account. The company also said they received two payments and sent me one as a credit. They then found out they were in the wrong threatened me multiple times and then said the account would stay closed but I had to pay off the {$900.00}. I found out today synchrony bank/care credit reopened my account and are charging a late fee. XXXX was notified and sent the charge through and then reversed the charge after I was told that it was handled correctly and closed the account. I received bank statements today after being locked out of my account for months and reporting my username and password as stolen.

store credit card closing your account synchrony financial MO i was notified that my account was paid off and as a result closed the account the company also said they received two payments and sent me one as a credit they then found out they were in the wrong threatened me multiple times and then said the account would stay closed but i had to pay off the i found out today synchrony bankcare credit reopened my account and are charging a late fee xxxx was notified and sent the charge through and then reversed the charge after i was told that it was handled correctly and closed the account i received bank statements today after being locked out of my account for months and reporting my username and password as stolen

['threaten', 'late fee']

2/1/2022

Credit card debt

Took or threatened to take negative or legal action

SYNCHRONY FINANCIAL

PA

Synchrony Bank has continued to harass me though my consumer reports and letters they disturb my peace disturbed my health continues to threaten my reputation and has continued to report without my consent these damaging allegations to the major consumer reporting bureaus a responsibility they assumed and was never given to them. I have sent a debt validation letter by certified mail which they have never returned filled out. They have also discriminated against me for exercising my rights pursuant to XXXX XXXX XXXXXXXX XXXX ( XXXX ) Synchrony Bank closed my care credit account which was in perfect standing and had a credit line of {$500.00} and also without my consent have closed my XXXX XXXX credit account which had a limit of {$4000.00} also after requesting and sending a proper debt validation request which they never replied to. They after acknowledging receipt of my cease and desist have continued to cause harm to my reputation.

credit card debt took or threatened to take negative or legal action synchrony financial PA synchrony bank has continued to harass me though my consumer reports and letters they disturb my peace disturbed my health continues to threaten my reputation and has continued to report without my consent these damaging allegations to the major consumer reporting bureaus a responsibility they assumed and was never given to them i have sent a debt validation letter by certified mail which they have never returned filled out they have also discriminated against me for exercising my rights pursuant to xxxx xxxx xxxxxxxx xxxx xxxx synchrony bank closed my care credit account which was in perfect standing and had a credit line of and also without my consent have closed my xxxx xxxx credit account which had a limit of also after requesting and sending a proper debt validation request which they never replied to they after acknowledging receipt of my cease and desist have continued to cause harm to my reputation

['harass', 'threaten', 'without consent', 'discrimination', 'closed', 'care credit', 'without consent']

6/1/2023

Store credit card

Problem when making payments

SYNCHRONY FINANCIAL

SC

I have 3 accounts through Synchrony Bank ( Care Credit American Eagle and Ashley Furniture ) plus much to my dissatisfaction they run Venmo. I was charged a late fee after not being able to access my accounts. I called and resolved it through customer service but that in and of itself was a hassle. I explained to the representative that the website was down for months. I can technically log in with my credentials but all that pops up after the login is an error page saying the site is experiencing technical difficulties. This has been going on for months now. I cant access my profile information to update my address or email and I cant see my available credit lines or balances. I wrote a complaint on XXXX website in XXXX and someone from Synchrony said they would be in touch. Its XXXX and no one has reached out. Their site is still down. If they had a physical location I would have already gone but thats the disadvantage everything has to be handled through a phone call that takes entirely too long. Wait time is awful and you can tell the representatives are feeling just as burnt out.

store credit card problem when making payments synchrony financial SC i have accounts through synchrony bank care credit american eagle and ashley furniture plus much to my dissatisfaction they run venmo i was charged a late fee after not being able to access my accounts i called and resolved it through customer service but that in and of itself was a hassle i explained to the representative that the website was down for months i can technically log in with my credentials but all that pops up after the login is an error page saying the site is experiencing technical difficulties this has been going on for months now i cant access my profile information to update my address or email and i cant see my available credit lines or balances i wrote a complaint on xxxx website in xxxx and someone from synchrony said they would be in touch its xxxx and no one has reached out their site is still down if they had a physical location i would have already gone but thats the disadvantage everything has to be handled through a phone call that takes entirely too long wait time is awful and you can tell the representatives are feeling just as burnt out

['Care Credit', 'American Eagle', 'Ashley Furniture', 'Venmo', 'late fee', 'access account']

6/1/2023

General-purpose credit card or charge card

Fees or interest

SYNCHRONY FINANCIAL

TX

Since opening the card with synchrony bank in 2021 I have been charged over XXXX XXXX in late fees which I am therefore being charged interest rate fees for the late fees as well as the remaining amount

generalpurpose credit card or charge card fees or interest synchrony financial TX since opening the card with synchrony bank in i have been charged over xxxx xxxx in late fees which i am therefore being charged interest rate fees for the late fees as well as the remaining amount

['late fee', 'interest', 'Credit Card']

2/1/2022

Store credit card

Problem when making payments

SYNCHRONY FINANCIAL

NC

Mailed check to pay for one year membership in Sam 's Club on XX/XX/XXXX. Check was cashed and cleared bank on XX/XX/XXXX. Check was in the amount of {$100.00}. Credit card company says they didn't cash the check. Provided front and back of canceled check and a copy of bank statement to the credit card company. Also have filed complaint with XXXX XXXX XXXX.

store credit card problem when making payments synchrony financial NC mailed check to pay for one year membership in sam s club on xxxxxxxx check was cashed and cleared bank on xxxxxxxx check was in the amount of credit card company says they didnt cash the check provided front and back of canceled check and a copy of bank statement to the credit card company also have filed complaint with xxxx xxxx xxxx

['payment', 'Credit Card', 'Sams Club']

2/1/2022

Store credit card

Fees or interest

SYNCHRONY FINANCIAL

NC

Hello I signed up for a promotional offer when I made a purchase from lumbar liquidators. The financing company they had me go through was Synchrony Bank. I have had issues with this company from day one. After signing up for the credit card I called them less than a week later to setup automatic payments for the amount necessary in order to have my loan paid off within the promotional offer so I would have everything paid off interest free. First month goes by and they did not take out the automatic payment as I requested. I continue to call them for XXXX year while in the mean time making manual payments. Finally after about a year a representative finally got it handled for me had the automatic payments going through and I didnt have to keep doing manual payments yay! So fast forward another year ( present time ) I go to check my statement as everything should be paid off by now. Well guess what!!!? they set up automatic payments for the minimum of what their fees requires and not the minimum for what it takes to get my card paid off within the promotional period!! That is not what I had been trying to get synchrony to setup for over a year and now they said I have to pay XXXX XXXX within XXXX days to complete the loan or they will be charging me XXXX XXXX in interest. Even though they were the ones who failed repeatedly to withdraw the correct amount I now am stuck having to come up with {$2000.00} out of pocket with only XXXX days to do so. Avoid this company!! They do not care to correct their mistake in any way and Im sure they have done this to other people in order to scam them for money.

store credit card fees or interest synchrony financial NC hello i signed up for a promotional offer when i made a purchase from lumbar liquidators the financing company they had me go through was synchrony bank i have had issues with this company from day one after signing up for the credit card i called them less than a week later to setup automatic payments for the amount necessary in order to have my loan paid off within the promotional offer so i would have everything paid off interest free first month goes by and they did not take out the automatic payment as i requested i continue to call them for xxxx year while in the mean time making manual payments finally after about a year a representative finally got it handled for me had the automatic payments going through and i didnt have to keep doing manual payments yay so fast forward another year present time i go to check my statement as everything should be paid off by now well guess what they set up automatic payments for the minimum of what their fees requires and not the minimum for what it takes to get my card paid off within the promotional period that is not what i had been trying to get synchrony to setup for over a year and now they said i have to pay xxxx xxxx within xxxx days to complete the loan or they will be charging me xxxx xxxx in interest even though they were the ones who failed repeatedly to withdraw the correct amount i now am stuck having to come up with out of pocket with only xxxx days to do so avoid this company they do not care to correct their mistake in any way and im sure they have done this to other people in order to scam them for money

['autopay', 'Credit Card', 'Interest', 'Customer Service']

2/1/2022

Store credit card

Other features terms or problems

SYNCHRONY FINANCIAL

PA

I have been using XXXX XXXX for Care Credit Card Services. I have a XXXX claim and they are not keeping their end of services by not paying a first installment of my minimum payment due because of a XXXX claim. I ask for your help.

store credit card other features terms or problems synchrony financial PA i have been using xxxx xxxx for care credit card services i have a xxxx claim and they are not keeping their end of services by not paying a first installment of my minimum payment due because of a xxxx claim i ask for your help

['Care Credit', 'Claim', 'payment', 'dispute', 'customer service']

1/1/2022

Store credit card

Fees or interest

SYNCHRONY FINANCIAL

CA

I made a purchase with the " XXXX XXXX XXXX '' with a Synchrony Bank private label credit card AKA as " SYNCB '' in XXXX of XXXX with a promotional offer to pay the {$3900.00} purchase in 18 months. This was initially due in XXXX of XXXX. Sometime in XXXX of XXXX an extension was requested and granted to defer the promotional date until XXXX to pay this amount off via a refinance that I was working on at the time. In XXXX the mortgage company sent a check to SYNCB for the total payoff amount of {$2200.00} which was the balance quoted by SYNCB at the time. In XXXX of XXXX since the check had not been cashed I kept calling to determine why. Since the check was not cashed and several weeks had elapsed the mortgage company reissued the check with the same amount and put a stop payment on the original check. It turns out that SYNCB had the original check initially submitted all this time. This was returned by the bank due to the stop payment but finally sometime in XXXX of XXXX the replacement check was cashed and the amount posted to the account. The {$2200.00} should have paid off the account but SYNCB claims that because it was not paid by the expiration of the " promotional period '' a very steep penalty is assessed : the balance of the account went from {$2200.00} to over {$4000.00} as a {$1800.00} interest was added to the balance due to the expiration of the promotion. The rate according to SYNCB is 29.95 % APR. However that is not all. Much to my surprise interest is applied every month I suspect at the same rate to the balance. I have made XXXX payments of {$99.00} each against the {$1800.00} interest and I still owe {$1200.00} from the initial {$1800.00} in interest. In other words from each {$99.00} payment close to {$40.00} go to interest on the interest. In other words SYNCB is charging not only an outrageous interest rate on these " promotions '' but they also charge interest on that interest. If this practice is not illegal it certainly should be. Consumers are in essence being ripped off with a practice that allows banks to charge outrageous interest rates in a way that is compounded. This is most likely under the radar as I just learned of this today and confirmed by agent " XXXX agent XXXX '' at SYNCB.

store credit card fees or interest synchrony financial CA i made a purchase with the xxxx xxxx xxxx with a synchrony bank private label credit card aka as syncb in xxxx of xxxx with a promotional offer to pay the purchase in months this was initially due in xxxx of xxxx sometime in xxxx of xxxx an extension was requested and granted to defer the promotional date until xxxx to pay this amount off via a refinance that i was working on at the time in xxxx the mortgage company sent a check to syncb for the total payoff amount of which was the balance quoted by syncb at the time in xxxx of xxxx since the check had not been cashed i kept calling to determine why since the check was not cashed and several weeks had elapsed the mortgage company reissued the check with the same amount and put a stop payment on the original check it turns out that syncb had the original check initially submitted all this time this was returned by the bank due to the stop payment but finally sometime in xxxx of xxxx the replacement check was cashed and the amount posted to the account the should have paid off the account but syncb claims that because it was not paid by the expiration of the promotional period a very steep penalty is assessed the balance of the account went from to over as a interest was added to the balance due to the expiration of the promotion the rate according to syncb is apr however that is not all much to my surprise interest is applied every month i suspect at the same rate to the balance i have made xxxx payments of each against the interest and i still owe from the initial in interest in other words from each payment close to go to interest on the interest in other words syncb is charging not only an outrageous interest rate on these promotions but they also charge interest on that interest if this practice is not illegal it certainly should be consumers are in essence being ripped off with a practice that allows banks to charge outrageous interest rates in a way that is compounded this is most likely under the radar as i just learned of this today and confirmed by agent xxxx agent xxxx at syncb

['Interest', 'payment', 'credit card', 'mortgage']

10/1/2021

Credit card debt

Attempts to collect debt not owed

SYNCHRONY FINANCIAL

MD

Ive owed a credit card debit that I started a payment plan with Synchrony Bank who is works with a law firm bt the name of XXXX XXXX XXXX and they started the withdrawling the funds each month until the last payment was not released or never taken out of my bank account while the funds was in there to cover the payment. Then they waited a whole year to go by and take me to court for {$64.00} and send the company I work for a XXXX of wage notice by the Court house raising the amount to {$130.00}. I've found over XXXX of complaints on XXXX with these two company doing the same to many more customers just to get more money out of us! THIS NEED TO BE PUT TO A STOP and needs to reported so others customers dont have to deal with this.

credit card debt attempts to collect debt not owed synchrony financial MD ive owed a credit card debit that i started a payment plan with synchrony bank who is works with a law firm bt the name of xxxx xxxx xxxx and they started the withdrawling the funds each month until the last payment was not released or never taken out of my bank account while the funds was in there to cover the payment then they waited a whole year to go by and take me to court for and send the company i work for a xxxx of wage notice by the court house raising the amount to ive found over xxxx of complaints on xxxx with these two company doing the same to many more customers just to get more money out of us this need to be put to a stop and needs to reported so others customers dont have to deal with this

['payment', 'garnish wages', 'credit card']

11/1/2021

Credit reporting

Improper use of your report

SYNCHRONY FINANCIAL

CA

This letter is to file a grievance against PayPal Credit c/o Synchrony Bank business practices. I had requested an increase in credit from {$250.00} to {$500.00} XX/XX/XXXX online with PayPal Credit XXXX I was denied increase based on a report that Synchrony Bank or PayPal had sent me XX/XX/XXXX. The report stated that XXXX scored me at XXXX on XX/XX/XXXX. After contacting XXXX I was informed that they do not send credit scores to anyone who requests a report. XXXX also mentioned any requests for a report is given with current dated reports. I requested an increase XX/XX/XXXX. The denial letter was dated XX/XX/XXXX. I am very disappointed in PayPal Credit/Synchrony Bank online business practices. I do not understand how I can be denied an increase based on your scoring of XXXX dated XX/XX/XXXX. I have been challenged with identity theft 3 times over the past decade. My most recent attack was in XXXX. I had reported identity theft with Synchrony Bank/PayPal online in XXXX of XXXX at which time I was given a new account. I thank you for securing my account. I am working hard to maintain financial obligations and on increasing my credit score I would have accepted a denial based on current scoring and/or report but I do not accept this denial from XXXX XXXX. I just like ALL consumers expect a safe secure and accurate information on your websiteespecially with any online account. I as a consumer expect to be provided with accurate and current information online. There is a lot of cyber-attacks and scammers as well as phishing for consumers identity. With such disappointment I am filing a grievance against PayPal Credit/ Synchrony Bank with the XXXX XXXX XXXX Consumers Protection Agency and Government Online Agencies . It has been especially challenging contacting the right department for my grievance. Your website does not accept grievances or complaints. My only resolve is to write to a po box . I do not know if what you do is legal but I know it is an unfair business practice. I have forwarded a copy of your response letter through to the online authorities with my grievance against PayPal Credit/Synchrony Bank . As a Consumer I am accountable for my financial obligations. PayPal Credit onlineis accountable for fair business practices to ALL consumers. I do expect a resolution to my grievance. I do expect a response with correct information as to why my increase request was denied.

credit reporting improper use of your report synchrony financial CA this letter is to file a grievance against paypal credit co synchrony bank business practices i had requested an increase in credit from to xxxxxxxx online with paypal credit xxxx i was denied increase based on a report that synchrony bank or paypal had sent me xxxxxxxx the report stated that xxxx scored me at xxxx on xxxxxxxx after contacting xxxx i was informed that they do not send credit scores to anyone who requests a report xxxx also mentioned any requests for a report is given with current dated reports i requested an increase xxxxxxxx the denial letter was dated xxxxxxxx i am very disappointed in paypal creditsynchrony bank online business practices i do not understand how i can be denied an increase based on your scoring of xxxx dated xxxxxxxx i have been challenged with identity theft times over the past decade my most recent attack was in xxxx i had reported identity theft with synchrony bankpaypal online in xxxx of xxxx at which time i was given a new account i thank you for securing my account i am working hard to maintain financial obligations and on increasing my credit score i would have accepted a denial based on current scoring andor report but i do not accept this denial from xxxx xxxx i just like all consumers expect a safe secure and accurate information on your websiteespecially with any online account i as a consumer expect to be provided with accurate and current information online there is a lot of cyberattacks and scammers as well as phishing for consumers identity with such disappointment i am filing a grievance against paypal credit synchrony bank with the xxxx xxxx xxxx consumers protection agency and government online agencies it has been especially challenging contacting the right department for my grievance your website does not accept grievances or complaints my only resolve is to write to a po box i do not know if what you do is legal but i know it is an unfair business practice i have forwarded a copy of your response letter through to the online authorities with my grievance against paypal creditsynchrony bank as a consumer i am accountable for my financial obligations paypal credit onlineis accountable for fair business practices to all consumers i do expect a resolution to my grievance i do expect a response with correct information as to why my increase request was denied

['PayPal', 'credit report', 'credit score', 'denied']

12/1/2021

Credit card debt

Attempts to collect debt not owed

SYNCHRONY FINANCIAL

NJ

RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH ACCURACY COMPLETENESS TIMELINESS documented OWNERSHIP certifiable RESPONSIBILITY or otherwise irrefutable complaint obligatory and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE CORRECT COMPLETE and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau and Attorney General stating your companys unlawful collection practices misrepresentation of creditworthiness defamation of character and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT CONSUMER CREDIT PROTECTION ACT ( CCPA ) and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ) by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '' and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ) the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ) Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore my position is being clearly stated these accounts do not belong to me meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you this credit-reporting agency are reporting incorrect accounts. 1. Synchrony Bank/PayPal Credit . & {$3400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report so I am requesting a free credit report and that all of these accounts public records items and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX

credit card debt attempts to collect debt not owed synchrony financial NJ re attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part deficient of the adequate current status in the fullness of truth accuracy completeness timeliness documented ownership certifiable responsibility or otherwise irrefutable complaint obligatory and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior s by retaining or returning to demonstrate true correct complete and complaint xxxx xxxx data field formatted reporting i am a victim of identity theft i am writing to request that you block all accounts disputed as fraudulent on my credit reports with xxxx xxxx xxxx xxxx and xxxx this information does not relate to any transactions i have made i did not give anyone authorization or consent to use my personal information i hereby exercise my legal rights enacted by congress and the federal trade commission which explicitly states when a victim of identitytheft dispute a fraudulent account on hisher credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within days and proper notification shall be given to all data furnishers pursuant to section b of the federal fair credit reporting act failure to comply shall lead to complaints being filed with xxxx xxxx xxxx xxxx consumer financial protection bureau and attorney general stating your companys unlawful collection practices misrepresentation of creditworthiness defamation of character and noncompliance to abide by laws enacted by congress to protect victims of identitytheft whos credit been impacted by acts of fraud because i know my rights under the fair credit reporting act consumer credit protection act ccpa and fair and accurate credit transaction act of facta i will be taking action i also know my rights under this paragraph of section of the facta law sec procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies b duty of furnishers to provide accurate information section a of the fair credit reporting act usc s a is amended in subparagraph a by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate and by adding at the end of the following d definition for purposes of subparagraph a the term reasonable cause to believe that the information is inaccurate means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of information policy states according to the fair credit reporting act fcra usc procedure in case of disputed accuracy a reinvestigation reinvestigation a in general subject to subsection f if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph before the end of the day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller therefore my position is being clearly stated these accounts do not belong to me meaning that you are reporting inaccurate account information within my credit file the fact that these are inaccurate account information means that you this creditreporting agency are reporting incorrect accounts synchrony bankpaypal credit i am well aware of my rights as a consumer the fair credit reporting act requires that you the creditreporting agency report accurate andor correct account information within my credit file my credit issues are very specific these accounts andor items do not belong to me this means that you are reporting incorrect account information within my credit report it is this in mind that i request that these listed accounts and items be blocked and deleted according to the fair credit reporting act fcra section c block of information resulting from identity theft block except as otherwise provided in this section a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft not later than four business days after the date receipt by such agency of appropriate proof of identity of the consumer a copy of an identity theft report the identification of such information by the consumer and a statement by the consumer that the information relating to the transaction by the consumer i have provided all of the above listed four items within this package therefore i expect these listed accounts to be deleted and blocked within business days this is clearly an identity theft issue i am also entitled to receive a free copy of my credit report so i am requesting a free credit report and that all of these accounts public records items and inquiries be permanently blocked and deleted enclosures identity theft report proof of identity copy of account statement showing fraudulent items ftc notice to furnishers cc consumer financial protection bureau xxxx xxxx xxxx xxxx xxxx iowa xxxx

['identity theft', 'fraud', 'credit report', 'without consent', 'credit bureaus', 'Fair Credit Reporting Act']

10/1/2021

Store credit card

Closing your account

SYNCHRONY FINANCIAL

CA

I had three accounts with Synchrony Bank ( CareCredit XXXX XXXX and Amazon ) two if which had a {$0.00} balance. In the month of XX/XX/XXXX they closed my accounts without any notice and only one letter for one account with an explanation of 'payment ' issue ( which were not an issue ). I reached out to each to each company for an explanation as to why the accounts were closed. The result was that they pulled my credit and stated ; a lack of real estate secured loan information too many revolving accounts with high balance compared to credit limit too many bank cards with high balance compared to credit limit unpaid collections and number of inquiries was a factor in determining score. I have kept a very watchful eye on my credit reports and these factors stated weren't relevant at the time of their assessment. My scores have dropped by over 100 points with each bureau because my available credit limit decreased there were derogatory remarks about accounts closures and my overall debt to available balance increased. I also had an account with them closed in XXXX ( Mattress Firm ) I was previously assuming due to inactivity. I will be cautious in the future to make sure that I do not open any lines of credit with Synchrony anymore. Their company structure isn't consumer friendly unless you're consistently indebted to them.

store credit card closing your account synchrony financial CA i had three accounts with synchrony bank carecredit xxxx xxxx and amazon two if which had a balance in the month of xxxxxxxx they closed my accounts without any notice and only one letter for one account with an explanation of payment issue which were not an issue i reached out to each to each company for an explanation as to why the accounts were closed the result was that they pulled my credit and stated a lack of real estate secured loan information too many revolving accounts with high balance compared to credit limit too many bank cards with high balance compared to credit limit unpaid collections and number of inquiries was a factor in determining score i have kept a very watchful eye on my credit reports and these factors stated werent relevant at the time of their assessment my scores have dropped by over points with each bureau because my available credit limit decreased there were derogatory remarks about accounts closures and my overall debt to available balance increased i also had an account with them closed in xxxx mattress firm i was previously assuming due to inactivity i will be cautious in the future to make sure that i do not open any lines of credit with synchrony anymore their company structure isnt consumer friendly unless youre consistently indebted to them

['Care Credit', 'Amazon', 'account closed', 'without consent', 'payment', 'credit report']

10/1/2021

Credit reporting

Incorrect information on your report

SYNCHRONY FINANCIAL

LA

XXXX XXXX XXXX has refused to correct my credit report. They have continually showed 90 days late for the period of 3 years after I filed chapter XXXX bankruptcy. They still show the account as open and will correct the information after repeated disputes. I am currently on the XXXXth dispute with the credit bureau to get this information corrected and they have once again failed to remove the 20 90 days late since getting protection under Chapter XXXX.

credit reporting incorrect information on your report synchrony financial LA xxxx xxxx xxxx has refused to correct my credit report they have continually showed days late for the period of years after i filed chapter xxxx bankruptcy they still show the account as open and will correct the information after repeated disputes i am currently on the xxxxth dispute with the credit bureau to get this information corrected and they have once again failed to remove the days late since getting protection under chapter xxxx

['credit report', 'bankruptcy', 'dispute', 'credit bureaus']

10/1/2021

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

SYNCHRONY FINANCIAL

OH

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now given all my attempts to address it directly with the creditor as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report otherwise change to PAID immediately.

credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial OH my name is xxxx xxxx and i am sending this request myself to address the inaccuracies on my credit reports i have been patiently waiting on their response to the written requests i sent however any modes of response or coordination were not taken on their end they have not complied with the fair credit reporting act usc sections i within the time allowed by law and continued reporting as unverified information which now given all my attempts to address it directly with the creditor as wilful negligence and noncompliance with federal statutes please provide proof that the bureau s description belongs on my report otherwise change to paid immediately

['credit report', 'Fair Credit Reporting Act']

10/1/2021

General-purpose credit card or charge card

Closing your account

SYNCHRONY FINANCIAL

CA

I am a victim of ID Theft with Synchrony Bank / PayPal Credit. I have submitted a police report and other information to verify my identity and they are refusing to close this as fraud. Every time I call Synchrony Bank / PayPal Credit to get a status update they keep giving me false information and making up excuses as to why they aren't closing this as fraud. I most recently called them on XX/XX/2021 and this time I was told by XXXX that they didn't get the documents I sent them back in XX/XX/2021 so that is why the fraud claim was denied. I am frustrated with this Bank they don't listen and they don't understand fraud/ID Theft. This account was not opened by me and Synchrony Bank XXXX PayPal Credit needs to rectify this situation.

generalpurpose credit card or charge card closing your account synchrony financial CA i am a victim of id theft with synchrony bank paypal credit i have submitted a police report and other information to verify my identity and they are refusing to close this as fraud every time i call synchrony bank paypal credit to get a status update they keep giving me false information and making up excuses as to why they arent closing this as fraud i most recently called them on xxxx and this time i was told by xxxx that they didnt get the documents i sent them back in xxxx so that is why the fraud claim was denied i am frustrated with this bank they dont listen and they dont understand fraudid theft this account was not opened by me and synchrony bank xxxx paypal credit needs to rectify this situation

['identity theft', 'PayPal', 'fraud', 'denied']

10/1/2021

General-purpose credit card or charge card

Closing your account

SYNCHRONY FINANCIAL

FL

Synchrony Bank has violated my consumer rights under 15 U.S. Code 1691 Scope of prohibition ( A ) Activities Constituting Discrimination It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction- ( 3 ) because the applicant has in good faith exercised any right under this chapter. The right that I exercised is the use of credit Definition of credit under 15 U.S. code 1691a Definitions ; rules of construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. On XX/XX/21 synchrony sent me a letter notifying me they lowered my XXXX XXXX account limit ending in XXXX from {$800.00} to {$100.00} for the following reasons : Too Many Revolving Accounts With High Balance Compare To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With High Balance Compared To Credit Limit Average Time Since Revolving Accounts Opened Is Too Recent The reasons for lowering my limit are not valid because my use of credit was to incur debt and defer payment to pay back the debt over time. Currently we are in a pandemic and the use of credit allows me to provide for myself and pay back later. Im not required to have a real estate secured loan account to be able to use credit. Lowering the credit limit on this account will drop my credit score and cause extreme damage to my credit score and my feelings are hurt due to this. I feel emotional distress. I have been on time with this account and none of my other credit accounts are in negative standing. I feel like Im being punished for no real reason. The action they took to lower my limit could cause other creditors that I have accounts with to lower my limit and basically ruin my credit. And if this change wasnt enough damage Synchrony Bank then decides to close my XXXX XXXX XXXX account ending in XXXX for the same reasons before : Too Many Revolving Accounts With High Balance Compare To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With High Balance Compared To Credit Limit Average Time Since Revolving Accounts Opened Is Too Recent I Also have a XXXX XXXX card account with Synchrony that at the time of this letter have not sent me a letter that they plan to make an action that will damage my credit by making changes to this account. But from the 2 actions they have taken so far Im sure they plan to make changes and cause more damages to me and my credit. Synchrony Bank did not reach out to me at all to see how they can help me as a customer with these accounts but instead closed account and lowered my limit. This makes me no longer want to do any business with them. Just when I thought I was doing good with my credit they decide to XXXX me over.

generalpurpose credit card or charge card closing your account synchrony financial FL synchrony bank has violated my consumer rights under us code scope of prohibition a activities constituting discrimination it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter the right that i exercised is the use of credit definition of credit under us code a definitions rules of construction d the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor on xxxx synchrony sent me a letter notifying me they lowered my xxxx xxxx account limit ending in xxxx from to for the following reasons too many revolving accounts with high balance compare to xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx with high balance compared to credit limit average time since revolving accounts opened is too recent the reasons for lowering my limit are not valid because my use of credit was to incur debt and defer payment to pay back the debt over time currently we are in a pandemic and the use of credit allows me to provide for myself and pay back later im not required to have a real estate secured loan account to be able to use credit lowering the credit limit on this account will drop my credit score and cause extreme damage to my credit score and my feelings are hurt due to this i feel emotional distress i have been on time with this account and none of my other credit accounts are in negative standing i feel like im being punished for no real reason the action they took to lower my limit could cause other creditors that i have accounts with to lower my limit and basically ruin my credit and if this change wasnt enough damage synchrony bank then decides to close my xxxx xxxx xxxx account ending in xxxx for the same reasons before too many revolving accounts with high balance compare to xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx with high balance compared to credit limit average time since revolving accounts opened is too recent i also have a xxxx xxxx card account with synchrony that at the time of this letter have not sent me a letter that they plan to make an action that will damage my credit by making changes to this account but from the actions they have taken so far im sure they plan to make changes and cause more damages to me and my credit synchrony bank did not reach out to me at all to see how they can help me as a customer with these accounts but instead closed account and lowered my limit this makes me no longer want to do any business with them just when i thought i was doing good with my credit they decide to xxxx me over

['credit limit decrease', 'credit score']

10/1/2021

Credit card debt

Attempts to collect debt not owed

SYNCHRONY FINANCIAL

FL

I have tried to contact Synchrony bank multiple times about this debt. I have been unsuccessful in reaching them. I settled on this account and paid the settlement agreement but on my credit report it still shows charged off and debt owed. Does this not update to paid as we had an agreement and I paid? I would like an answer to that and a phone number to be able to reach them without having to wait on hold for 50 minutes and then the call disconnects before I can actually talk to someone. Is there a way this charge off can be removed from my credit report or updated in some way? These are questions i would normally reach the bank directly to speak about but have been unable to reach them.

credit card debt attempts to collect debt not owed synchrony financial FL i have tried to contact synchrony bank multiple times about this debt i have been unsuccessful in reaching them i settled on this account and paid the settlement agreement but on my credit report it still shows charged off and debt owed does this not update to paid as we had an agreement and i paid i would like an answer to that and a phone number to be able to reach them without having to wait on hold for minutes and then the call disconnects before i can actually talk to someone is there a way this charge off can be removed from my credit report or updated in some way these are questions i would normally reach the bank directly to speak about but have been unable to reach them

['credit score', 'charge off', 'Terms and Conditions']

10/1/2021

Credit card debt

Attempts to collect debt not owed

SYNCHRONY FINANCIAL

TX

Hello My complaint is about Amazon. I'm going to start at the beginning. I opened the Acct. in XXXX last year. They gave me {$600.00} limit. I didn't use the acct. until XX/XX/XXXX. I bought items that totaled {$44.00} and on the same day I tried to charge {$77.00}. but it was declined due to over the limit? I thought I had a {$600.00} limit only to find out from them that my limit was changed to {$100.00} without me knowing it. So I paid the {$44.00} on XXXX XXXX and Tore Up the Card. Then I find out through my credit reports that by lowering my limit lowered my Credit Scores tremendously! Now I'm receiving emails that I owe {$140.00}?? I tore up the card how could I owe? I called them and they told me my balance was XXXX. So I thought they fixed the matter. They sent my account to collections. I found out through my credit scores. I lost 60 points because of that! It took a long time to recover from their lowering my limit. This will take me forever! Besides ruining my credit. Thank you XXXX

credit card debt attempts to collect debt not owed synchrony financial TX hello my complaint is about amazon im going to start at the beginning i opened the acct in xxxx last year they gave me limit i didnt use the acct until xxxxxxxx i bought items that totaled and on the same day i tried to charge but it was declined due to over the limit i thought i had a limit only to find out from them that my limit was changed to without me knowing it so i paid the on xxxx xxxx and tore up the card then i find out through my credit reports that by lowering my limit lowered my credit scores tremendously now im receiving emails that i owe i tore up the card how could i owe i called them and they told me my balance was xxxx so i thought they fixed the matter they sent my account to collections i found out through my credit scores i lost points because of that it took a long time to recover from their lowering my limit this will take me forever besides ruining my credit thank you xxxx

['Amazon', 'credit limit decrease', 'credit score']

10/1/2021

General-purpose credit card or charge card

Closing your account

SYNCHRONY FINANCIAL

IN

Care Credit closed my credit card account due to my credit score/history. I did not authorize the company to pull my credit. Also I have never been late making payments to this credit card. In fact I often pay it off soon after a charge. A few months ago I could not keep up with some of my payments due to having COVID and was off work for approximately one month. I am an XXXX XXXX and have been caring for patients in serious conditions due to COVID. Also I unfortunately started a program back in XX/XX/2021 with XXXX XXXX in order to get control of my credit card and student loan debt. They pushed me to not make payments to a number of my accounts which has made my credit score drop significantly. I am now working over 60 hours a week to make all my payments and have not been late since I have quit the program with XXXX XXXX. I really don't see how a company can treat its customers this way especially during a pandemic. It's a struggle for everyone and they are making it worse. I have been a loyal customer to Care Credit and as I said earlier NEVER late making payments on my credit card.

generalpurpose credit card or charge card closing your account synchrony financial IN care credit closed my credit card account due to my credit scorehistory i did not authorize the company to pull my credit also i have never been late making payments to this credit card in fact i often pay it off soon after a charge a few months ago i could not keep up with some of my payments due to having covid and was off work for approximately one month i am an xxxx xxxx and have been caring for patients in serious conditions due to covid also i unfortunately started a program back in xxxx with xxxx xxxx in order to get control of my credit card and student loan debt they pushed me to not make payments to a number of my accounts which has made my credit score drop significantly i am now working over hours a week to make all my payments and have not been late since i have quit the program with xxxx xxxx i really dont see how a company can treat its customers this way especially during a pandemic its a struggle for everyone and they are making it worse i have been a loyal customer to care credit and as i said earlier never late making payments on my credit card

['Care Credit', 'credit card', 'credit score', 'late payment']

10/1/2021

Store credit card

Fees or interest

SYNCHRONY FINANCIAL

CT

I purchased an appliance under an incentive program that had a deferred interest concept that would be retroactively charged if I missed paying in full by the deadline. I had the account on monthly autopay paying about 2x the minimum amount. Then without any warning the deadline date to pay in full came and passed. Therefore interest at 29.99 % ( is this amount even LEGAL? ) was added to my bill as of that date. I never received ANY KIND of notification from the credit card provider that the due date was coming and that I should make the payment in full to avoid the charges. It never dawned on me that the Company would let that date come and NOT warn me that the amount was due. I was over 18 months ago ( two-year program ) and I forgot about the obligation. They just kept showing the auto payment and it seemed as if everything was OK. Not sure how its legal not to make proper communications with me. Yes if I logged on to look at the monthly bills there was a note that the date was approaching. However for them not to put that in their normal email correspondence to me is very mis-leading and deceitful. I am sure other companies do this as well but I will never do business with Synchrony Financial again given their refusal to give me credit on the interest now that the account has been paid in full. Wanted you to know b/c I am sure lots of other customers are getting hit with the same deceitful action.

store credit card fees or interest synchrony financial CT i purchased an appliance under an incentive program that had a deferred interest concept that would be retroactively charged if i missed paying in full by the deadline i had the account on monthly autopay paying about x the minimum amount then without any warning the deadline date to pay in full came and passed therefore interest at is this amount even legal was added to my bill as of that date i never received any kind of notification from the credit card provider that the due date was coming and that i should make the payment in full to avoid the charges it never dawned on me that the company would let that date come and not warn me that the amount was due i was over months ago twoyear program and i forgot about the obligation they just kept showing the auto payment and it seemed as if everything was ok not sure how its legal not to make proper communications with me yes if i logged on to look at the monthly bills there was a note that the date was approaching however for them not to put that in their normal email correspondence to me is very misleading and deceitful i am sure other companies do this as well but i will never do business with synchrony financial again given their refusal to give me credit on the interest now that the account has been paid in full wanted you to know bc i am sure lots of other customers are getting hit with the same deceitful action

['Credit Card', 'Deferred Interest', 'autopay']

10/1/2021

Credit reporting

Improper use of your report

SYNCHRONY FINANCIAL

IL

I made a purchase at XXXX XXXX in XXXX XXXX IL on XX/XX/. I was asked to apply for a credit card. To my surprise my old credit card was no longer valid. I was in the store nearly two hours waiting. The result ended in no response because their system was not functioning. I paid for my items and left the store. I was in the store from approximately XXXX to XXXX XXXX. I did not hear anymore from XXXX XXXX. I checked my credit report with XXXX XXXX XX/XX/. I noticed a credit inquiry dated XX/XX/XXXX ( XXXX XXXX ). I contacted XXXX XXXX regarding this hard inquiry late XXXX XX/XX/. The female representative was very rude. She told me that I had been rejected for a credit card. She could not provide a reason. She also could not tell me when this rejection was approved. I contacted XXXX XXXX again early XX/XX/XXXX and I was told that I was rejected for a credit card on XX/XX/. Again the representative was not sure why the rejection occurred. This representative was much more professional than the previous person. She could not understand why an inquiry made on XX/XX/XXXX was not determined ( rejected ) until XX/XX/. I had not given XXXX XXXX permission to check my credit after my in-store application on XX/XX/2021. I was surprised to see that the actual date of the credit check was XX/XX/2021 after I was told that nothing went through. The credit department at XXXX XXXX explained that they were understaffed and apologized for the long wait on XX/XX/2021. I want this hard inquiry removed from my credit report because this is fraudulent on XXXX XXXX 's part.

credit reporting improper use of your report synchrony financial IL i made a purchase at xxxx xxxx in xxxx xxxx il on xxxx i was asked to apply for a credit card to my surprise my old credit card was no longer valid i was in the store nearly two hours waiting the result ended in no response because their system was not functioning i paid for my items and left the store i was in the store from approximately xxxx to xxxx xxxx i did not hear anymore from xxxx xxxx i checked my credit report with xxxx xxxx xxxx i noticed a credit inquiry dated xxxxxxxx xxxx xxxx i contacted xxxx xxxx regarding this hard inquiry late xxxx xxxx the female representative was very rude she told me that i had been rejected for a credit card she could not provide a reason she also could not tell me when this rejection was approved i contacted xxxx xxxx again early xxxxxxxx and i was told that i was rejected for a credit card on xxxx again the representative was not sure why the rejection occurred this representative was much more professional than the previous person she could not understand why an inquiry made on xxxxxxxx was not determined rejected until xxxx i had not given xxxx xxxx permission to check my credit after my instore application on xxxx i was surprised to see that the actual date of the credit check was xxxx after i was told that nothing went through the credit department at xxxx xxxx explained that they were understaffed and apologized for the long wait on xxxx i want this hard inquiry removed from my credit report because this is fraudulent on xxxx xxxx s part

['credit card', 'credit report', 'hard inquiry', 'denied']

10/1/2021

Store credit card

Problem with a purchase shown on your statement

SYNCHRONY FINANCIAL

NJ

RE Order # XXXX Order Date : XX/XX/2019 Washing machine and dryer purchased from Lowe 's via credit card application. Delivery was initiated on XX/XX/2019 Delivery was declined by the customer. Return successfully processed by Lowes see receipt attached. Lowes continue to report falsely to my credit report I investigated and discovered that the refund was processed to a different MASTERCARD THAT DOES NOT BELONG TO me. As far as I am concerned the refund was processed to the same card it was charged from this problem has nothing to do with me Lowes should carry out a detailed audit to get to the root cause of this discrepancy and stop reporting falsely on my credit report this is negligence and incompetence on Lowes path. My next action will be with the Court of Law.

store credit card problem with a purchase shown on your statement synchrony financial NJ re order xxxx order date xxxx washing machine and dryer purchased from lowe s via credit card application delivery was initiated on xxxx delivery was declined by the customer return successfully processed by lowes see receipt attached lowes continue to report falsely to my credit report i investigated and discovered that the refund was processed to a different mastercard that does not belong to me as far as i am concerned the refund was processed to the same card it was charged from this problem has nothing to do with me lowes should carry out a detailed audit to get to the root cause of this discrepancy and stop reporting falsely on my credit report this is negligence and incompetence on lowes path my next action will be with the court of law

['credit card', 'Lowes', 'credit report']

10/1/2021

Store credit card

Other features terms or problems

SYNCHRONY FINANCIAL

PR

XXXX XXXX of AMAZON CS heard my Complaint that it's partner SYNCRONY BANK is source of problem. It reported on XXXX that my account was refunded. It closed my access down in XXXX ( acct ending XXXX issued to " XXXX XXXX '' ) and {$110.00} came back into it from AMAZON since that time. If I chat or call Syncrony it arbitrarily transfers me into FRAUD DEPT in spite of repeat requests for CS. XXXX XXXX in SYN on chat said it was mailed without tracking so wait. But SYN has delayed my refund for months. It skirts this issue by inventing FRAUD concerns of its own making meaning it repeatedly disconnects or sends calls unannounced into its FRAUD where FRAUD says it can not issue refund nor close account. To date I have asked SYN to close my account several times since XXXX disconnects. Ms XXXX knows I am seeking review of its false refund narrative for AMAZON to review as it originated the missing refund credits.

store credit card other features terms or problems synchrony financial PR xxxx xxxx of amazon cs heard my complaint that its partner syncrony bank is source of problem it reported on xxxx that my account was refunded it closed my access down in xxxx acct ending xxxx issued to xxxx xxxx and came back into it from amazon since that time if i chat or call syncrony it arbitrarily transfers me into fraud dept in spite of repeat requests for cs xxxx xxxx in syn on chat said it was mailed without tracking so wait but syn has delayed my refund for months it skirts this issue by inventing fraud concerns of its own making meaning it repeatedly disconnects or sends calls unannounced into its fraud where fraud says it can not issue refund nor close account to date i have asked syn to close my account several times since xxxx disconnects ms xxxx knows i am seeking review of its false refund narrative for amazon to review as it originated the missing refund credits

['Amazon', 'fraud']

10/1/2021

Credit card debt

Attempts to collect debt not owed

SYNCHRONY FINANCIAL

OH

Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH ACCURACY COMPLETENESS TIMELINESS documented OWNERSHIP certifiable RESPONSIBILITY or otherwise irrefutable complaint obligatory and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE CORRECT COMPLETE and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau and Attorney General stating your companys unlawful collection practices misrepresentation of creditworthiness defamation of character and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT CONSUMER CREDIT PROTECTION ACT ( CCPA ) and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ) by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '' and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ) the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ) Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore my position is being clearly stated these accounts do not belong to me meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you this credit-reporting agency are reporting incorrect accounts. 1. XXXX SYNCHRONY BANK bal. {$800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report so I am requesting a free credit report and that all of these accounts public records items and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX

credit card debt attempts to collect debt not owed synchrony financial OH attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part deficient of the adequate current status in the fullness of truth accuracy completeness timeliness documented ownership certifiable responsibility or otherwise irrefutable complaint obligatory and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior s by retaining or returning to demonstrate true correct complete and complaint metro data field formatted reporting i am a victim of identity theft i am writing to request that you block all accounts disputed as fraudulent on my credit reports with xxxx xxxx xxxx xxxx and xxxx this information does not relate to any transactions i have made i did not give anyone authorization or consent to use my personal information i hereby exercise my legal rights enacted by congress and the federal trade commission which explicitly states when a victim of identitytheft dispute a fraudulent account on hisher credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within days and proper notification shall be given to all data furnishers pursuant to section b of the federal fair credit reporting act failure to comply shall lead to complaints being filed with the xxxx xxxx xxxx consumer financial protection bureau and attorney general stating your companys unlawful collection practices misrepresentation of creditworthiness defamation of character and noncompliance to abide by laws enacted by congress to protect victims of identitytheft whos credit been impacted by acts of fraud because i know my rights under the fair credit reporting act consumer credit protection act ccpa and fair and accurate credit transaction act of facta i will be taking action i also know my rights under this paragraph of section of the facta law sec procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies b duty of furnishers to provide accurate information section a of the fair credit reporting act usc s a is amended in subparagraph a by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate and by adding at the end of the following d definition for purposes of subparagraph a the term reasonable cause to believe that the information is inaccurate means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of information policy states according to the fair credit reporting act fcra usc procedure in case of disputed accuracy a reinvestigation reinvestigation a in general subject to subsection f if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph before the end of the day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller therefore my position is being clearly stated these accounts do not belong to me meaning that you are reporting inaccurate account information within my credit file the fact that these are inaccurate account information means that you this creditreporting agency are reporting incorrect accounts xxxx synchrony bank bal i am well aware of my rights as a consumer the fair credit reporting act requires that you the creditreporting agency report accurate andor correct account information within my credit file my credit issues are very specific these accounts andor items do not belong to me this means that you are reporting incorrect account information within my credit report it is this in mind that i request that these listed accounts and items be blocked and deleted according to the fair credit reporting act fcra section c block of information resulting from identity theft block except as otherwise provided in this section a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft not later than four business days after the date receipt by such agency of appropriate proof of identity of the consumer a copy of an identity theft report the identification of such information by the consumer and a statement by the consumer that the information relating to the transaction by the consumer i have provided all of the above listed four items within this package therefore i expect these listed accounts to be deleted and blocked within business days this is clearly an identity theft issue i am also entitled to receive a free copy of my credit report so i am requesting a free credit report and that all of these accounts public records items and inquiries be permanently blocked and deleted enclosures identity theft report proof of identity copy of account statement showing fraudulent items ftc notice to furnishers cc consumer financial protection bureau xxxx xxxx xxxx xxxx xxxx iowa xxxx

['identity theft', 'dispute', 'fraud', 'credit report', 'without consent', 'Fair Credit Reporting Act']

10/1/2021

Credit card debt

Written notification about debt

SYNCHRONY FINANCIAL

MA

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social Security # XXXX XXXX : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports as well as illegal and deceptive collection practices. I stipulate at this time that under no condition am I making an identity theft claim or accusation so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text CREDITOR CONTACT INFORMATION : SYNCHRONY BANK MULTIPLE ACCOUNTS 1 ) There are a total of 3-accounts posted against me by Synchrony Bank all of which are so old that it not only exceeds the legal timeline for collection but there isnt an address for the actual account posted on a hard copy credit report. The account information was picked up by a debt information pool by XXXX XXXX XXXX illegally. 2 ) The account must be deleted as the necessary timeline to be maintained on my credit report. 3 ) All files held by Synchrony Bank must be purged and any reference to such credit listings must be deleted from XXXX XXXX XXXX XXXX and XXXX respectively. Please be advised that this is not a dispute but a request to review the above listed tradeline collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community but as there are over 300000000 ( 300M ) individuals just in the United States alone that depend on fairness on credit reporting and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus XXXX XXXX XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me should be removed without exception. However I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases the 84-month timeline is valid and my account if showing a late payment within that 84-month timeline means under FCRA that the account should be removed or if still a current account brought to positive status. I am requesting full validation such as original transfer rights to collect confirmation of legal timeline to report on credit and/or collection procedures validation of licensing requirements posted bonding requirements oversight on monthly payment histories proper subscriber agreement compliance with credit reporting agencies and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] Section 609 of the Fair Credit Reporting Act ( FCRA ) Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ] and 611. I am posting this dispute through the Consumer Financial Protection Bureau the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely XXXX XXXX XXXX

credit card debt written notification about debt synchrony financial MA xxxxxxxx xxxx xxxx xxxx xxxx xxxx xxxx xxxx ma xxxx social security xxxx xxxx xxxxxxxx xxxx i hereby make a ghostletter attempt to a resolution on various credit items andor items of public record that currently show on xxxx xxxx xxxx xxxx and xxxx respectively my position is legal based upon sections of the fair credit reporting act as well as the fair debt collection practices act these laws are to make sure that a level and fair playing field exist to protect american consumers from abusive reporting procedures on credit reports as well as illegal and deceptive collection practices i stipulate at this time that under no condition am i making an identity theft claim or accusation so i demand that policy be adhered to by all creditors and respective credit reporting agencies amended consumer rights fair credit reporting act public law usc https wwwconsumerftcgovarticlespdffaircreditreportingactpdf fair debt collection practices act https wwwftcgovenforcementrulesrulemakingregulatoryreformproceedingsfairdebtcollectionpracticesacttext creditor contact information synchrony bank multiple accounts there are a total of accounts posted against me by synchrony bank all of which are so old that it not only exceeds the legal timeline for collection but there isnt an address for the actual account posted on a hard copy credit report the account information was picked up by a debt information pool by xxxx xxxx xxxx illegally the account must be deleted as the necessary timeline to be maintained on my credit report all files held by synchrony bank must be purged and any reference to such credit listings must be deleted from xxxx xxxx xxxx xxxx and xxxx respectively please be advised that this is not a dispute but a request to review the above listed tradeline collection or item of public record i realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community but as there are over m individuals just in the united states alone that depend on fairness on credit reporting and mistakes do happen at no time consider my objective to be a dispute against any of the bureaus xxxx xxxx xxxx xxxx and xxxx respectively i believe all medical collections if applied against me should be removed without exception however i will negotiate any of those encumbrances if the collection is legal on its merits i also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus in most cases the month timeline is valid and my account if showing a late payment within that month timeline means under fcra that the account should be removed or if still a current account brought to positive status i am requesting full validation such as original transfer rights to collect confirmation of legal timeline to report on credit andor collection procedures validation of licensing requirements posted bonding requirements oversight on monthly payment histories proper subscriber agreement compliance with credit reporting agencies and overall compliance with all fair credit reporting act and fair debt collection practices act bylaws as mandated if all of these requirements are not in order then i have the legal right to request the deletion of this tradeline accordingly i especially desire compliance under the month timeline for deletion of negative information with the deletion of the account details altogether my dispute is quite specific in the exception area posted below requirements relating to information contained in consumer reports usc c section of the fair credit reporting act fcra disclosures to consumers usc g section a h and i am posting this dispute through the consumer financial protection bureau the governing body of the fair credit reporting act and the fair debt collection practices act please respond to this dispute within days as mandated within federal guidelines sincerely xxxx xxxx xxxx

['social security', 'Fair Credit Reporting Act', 'credit report']

10/1/2021

Other debt

Attempts to collect debt not owed

SYNCHRONY FINANCIAL

OH

Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH ACCURACY COMPLETENESS TIMELINESS documented OWNERSHIP certifiable RESPONSIBILITY or otherwise irrefutable complaint obligatory and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE CORRECT COMPLETE and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau Consumer Financial Protection Bureau and Attorney General stating your companys unlawful collection practices misrepresentation of creditworthiness defamation of character and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT CONSUMER CREDIT PROTECTION ACT ( CCPA ) and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ) by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '' and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ) the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ) Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore my position is being clearly stated these accounts do not belong to me meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you this credit-reporting agency are reporting incorrect accounts. 1. 01 SYNCHRONY BANK bal. {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report so I am requesting a free credit report and that all of these accounts public records items and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX Iowa XXXX

other debt attempts to collect debt not owed synchrony financial OH attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part deficient of the adequate current status in the fullness of truth accuracy completeness timeliness documented ownership certifiable responsibility or otherwise irrefutable complaint obligatory and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior s by retaining or returning to demonstrate true correct complete and complaint metro data field formatted reporting i am a victim of identity theft i am writing to request that you block all accounts disputed as fraudulent on my credit reports with xxxx xxxx xxxx xxxx and xxxx this information does not relate to any transactions i have made i did not give anyone authorization or consent to use my personal information i hereby exercise my legal rights enacted by congress and the federal trade commission which explicitly states when a victim of identitytheft dispute a fraudulent account on hisher credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within days and proper notification shall be given to all data furnishers pursuant to section b of the federal fair credit reporting act failure to comply shall lead to complaints being filed with the better business bureau consumer financial protection bureau and attorney general stating your companys unlawful collection practices misrepresentation of creditworthiness defamation of character and noncompliance to abide by laws enacted by congress to protect victims of identitytheft whos credit been impacted by acts of fraud because i know my rights under the fair credit reporting act consumer credit protection act ccpa and fair and accurate credit transaction act of facta i will be taking action i also know my rights under this paragraph of section of the facta law sec procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies b duty of furnishers to provide accurate information section a of the fair credit reporting act usc s a is amended in subparagraph a by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate and by adding at the end of the following d definition for purposes of subparagraph a the term reasonable cause to believe that the information is inaccurate means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of information policy states according to the fair credit reporting act fcra usc procedure in case of disputed accuracy a reinvestigation reinvestigation a in general subject to subsection f if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph before the end of the day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller therefore my position is being clearly stated these accounts do not belong to me meaning that you are reporting inaccurate account information within my credit file the fact that these are inaccurate account information means that you this creditreporting agency are reporting incorrect accounts synchrony bank bal i am well aware of my rights as a consumer the fair credit reporting act requires that you the creditreporting agency report accurate andor correct account information within my credit file my credit issues are very specific these accounts andor items do not belong to me this means that you are reporting incorrect account information within my credit report it is this in mind that i request that these listed accounts and items be blocked and deleted according to the fair credit reporting act fcra section c block of information resulting from identity theft block except as otherwise provided in this section a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft not later than four business days after the date receipt by such agency of appropriate proof of identity of the consumer a copy of an identity theft report the identification of such information by the consumer and a statement by the consumer that the information relating to the transaction by the consumer i have provided all of the above listed four items within this package therefore i expect these listed accounts to be deleted and blocked within business days this is clearly an identity theft issue i am also entitled to receive a free copy of my credit report so i am requesting a free credit report and that all of these accounts public records items and inquiries be permanently blocked and deleted enclosures identity theft report proof of identity copy of account statement showing fraudulent items ftc notice to furnishers cc consumer financial protection bureau xxxx xxxx xxxx iowa xxxx iowa xxxx

['identity theft', 'Fair Credit Reporting Act', 'credit report', 'fraud']

10/1/2021

Store credit card

Other features terms or problems

SYNCHRONY FINANCIAL

FL

I made XXXX purchases on XX/XX/21 at Lowe 's store while in Ohio from Florida. I went online to pay bills on XX/XX/21 and to my disbelief I was shown 4 days late on my payment. I called Lowe 's ( Synchrony Bank ) and talked with a rep who said their billing cycle is on the 7th of the month and therefore I was late. However after discussion the rep told me she would deduct the late payment and finally told me they would not report the payment as late to the credit bureaus. Even with that I thought I should have 30 days from the date of purchase before a payment is due. According to their standards if I make a XXXX purchase on the XXXX a payment becomes due the following day. I have many credit cards and several through Synchrony and have never been late on any payment in over 15 years.

store credit card other features terms or problems synchrony financial FL i made xxxx purchases on xxxx at lowe s store while in ohio from florida i went online to pay bills on xxxx and to my disbelief i was shown days late on my payment i called lowe s synchrony bank and talked with a rep who said their billing cycle is on the th of the month and therefore i was late however after discussion the rep told me she would deduct the late payment and finally told me they would not report the payment as late to the credit bureaus even with that i thought i should have days from the date of purchase before a payment is due according to their standards if i make a xxxx purchase on the xxxx a payment becomes due the following day i have many credit cards and several through synchrony and have never been late on any payment in over years

['credit card', 'Lowes', 'late payment', 'credit bureaus']

6/1/2023

General-purpose credit card or charge card

Other features terms or problems

SYNCHRONY FINANCIAL

NC

On XX/XX/2023 Synchrony bank closed my newly opened 2 % cash back XXXX which I held for approximately 1 month. They closed it because they are a conservative lender and as such assumed I couldn't repay my bill now or in the future. I used this card to make my yearly tax and loan payments and paid the entire balance in full. In the process I earned {$780.00} in rewards as shown on the attached statement. I opened the account for the sole purpose of the advertised 2 % cash back however these rewards were stolen from me.

generalpurpose credit card or charge card other features terms or problems synchrony financial NC on xxxx synchrony bank closed my newly opened cash back xxxx which i held for approximately month they closed it because they are a conservative lender and as such assumed i couldnt repay my bill now or in the future i used this card to make my yearly tax and loan payments and paid the entire balance in full in the process i earned in rewards as shown on the attached statement i opened the account for the sole purpose of the advertised cash back however these rewards were stolen from me

['credit card', 'rewards']

9/1/2021

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

SYNCHRONY FINANCIAL

OH

I opened a credit card through Value City Furniture/Synchrony Bank for the purchase of a couch. I made my monthly payments on time and have owed a XXXX balance on this card for SEVERAL months prior to receiving a letter on XX/XX/2021 from Synchrony Bank stating they decided to close my card due to reasons that do not apply to me. I haven't owed them I paid on time and yet months later they ran a credit score on me and made the decision to close my card based on my score being XXXX ( which their documentation states XXXX is within range ). So they damaged my credit score further by this decision. I want that corrected. Customer service told me today when contacting them " no one will ever be able to fix the error the business decision was made based on the details in the letter I can not help you ''. This is BAD business to damage my credit when I was paid in full and on time with this bank. There seems to be no one to contact within the bank that made that decision to appeal or discuss this with also BAD business. I recently was diagnosed with stage XXXX XXXX XXXX and owe approx. XXXX in medical bills. Other than that I pay my bills on time so why can a bank take from your credit but not repair a problem or points back when a consumer doesn't warrant the bad credit mark? Who can I report Synchrony Bank to for making this decision and damaging my credit score when I was paid in full with XXXX balance?

credit reporting problem with a credit reporting companys investigation into an existing problem synchrony financial OH i opened a credit card through value city furnituresynchrony bank for the purchase of a couch i made my monthly payments on time and have owed a xxxx balance on this card for several months prior to receiving a letter on xxxx from synchrony bank stating they decided to close my card due to reasons that do not apply to me i havent owed them i paid on time and yet months later they ran a credit score on me and made the decision to close my card based on my score being xxxx which their documentation states xxxx is within range so they damaged my credit score further by this decision i want that corrected customer service told me today when contacting them no one will ever be able to fix the error the business decision was made based on the details in the letter i can not help you this is bad business to damage my credit when i was paid in full and on time with this bank there seems to be no one to contact within the bank that made that decision to appeal or discuss this with also bad business i recently was diagnosed with stage xxxx xxxx xxxx and owe approx xxxx in medical bills other than that i pay my bills on time so why can a bank take from your credit but not repair a problem or points back when a consumer doesnt warrant the bad credit mark who can i report synchrony bank to for making this decision and damaging my credit score when i was paid in full with xxxx balance

['credit card', 'account closed', 'medical', 'credit score']

9/1/2021

Credit card debt

Took or threatened to take negative or legal action

SYNCHRONY FINANCIAL

GA

SYNCHRONY BANK committed fraud when they created an account on my behalf ; Pursuant to 15 U.S. Code 1693 ( a ) Account means savings account or deposit account. I the consumer have never done so nor will I ever. The language used on the bill was that youve given me XXXX but you say that I owe you. When a debt is owed it is shown with ( - ) before said amount so this means that Ive been credited. As a consumer with open ended credit I want my account credited. I am REFUSING TO PAY BECAUSE I AM THE MASTER CREDITOR AND ISSUER OF CREDIT. I am not giving you permission to cancel the terms of service and I will not be paying this alleged debt nor any future alleged debts.3. Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you SYNCHRONY BANK used email postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt.7. You SYNCHRONY BANK are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; 9. Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source authorization or approval as you SYNCHRONY BANK is stating that someone other then me a consumer in fact is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 )

credit card debt took or threatened to take negative or legal action synchrony financial GA synchrony bank committed fraud when they created an account on my behalf pursuant to us code a account means savings account or deposit account i the consumer have never done so nor will i ever the language used on the bill was that youve given me xxxx but you say that i owe you when a debt is owed it is shown with before said amount so this means that ive been credited as a consumer with open ended credit i want my account credited i am refusing to pay because i am the master creditor and issuer of credit i am not giving you permission to cancel the terms of service and i will not be paying this alleged debt nor any future alleged debts take notice that pursuant to us code a the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you synchrony bank used email postal service etc to communicate indirectly with me a consumer who is defined pursuant to us code a as any natural person allegedly obligated to pay any debt you synchrony bank are also in violation of us code b which states that you may not state that i a consumer owes any debt furthermore you have attempted to communicate with me on multiple occasion which is a violation of us code b take further notice that pursuant to us code e articulates that the use or distribution of any written communication which creates a false impression as to its source authorization or approval as you synchrony bank is stating that someone other then me a consumer in fact is the creditor when i am the creditor pursuant to us code a

['fraud', 'account opened']

5/1/2021

Credit reporting

Incorrect information on your report

SYNCHRONY FINANCIAL

FL

Account is reporting to credit bureaus and I am receiving statements in the mail Account is not mine and is a result of identity theft Previously reported to creditor via mail with identity theft reports

credit reporting incorrect information on your report synchrony financial FL account is reporting to credit bureaus and i am receiving statements in the mail account is not mine and is a result of identity theft previously reported to creditor via mail with identity theft reports

['account', 'identity theft']

8/1/2021

Store credit card

Closing your account

SYNCHRONY FINANCIAL

TX

I was making a payment in full to pay off the balance of my Synchrony Sam 's Club Card account. I was using the number written down on my checking account card when I first opened my credit union account ( 10 years ago ) and the number was incorrect. The payment bounced and I was charged an NSF fee. I reprocessed the payment and paid the card in full. This was the first and only payment that was an issue. I was informed that my Synchrony Sam 's Club Card was closed due to non-satisfactory payment history. I was then told that since I paid my card in full I could have the account reopened in 7 days if there was no issue with the payment. After 7 days my account was reopened. Then I requested a credit limit increase and it was granted. In the meantime I was unaware that my Synchrony Care Credit card was closed until I logged in to make my payment. I spent over 10 hours on the phone with representatives and nobody could help me get my account reopened. I was told to re-apply for a Synchrony Care Credit card. I applied and was denied because of unsatisfactory payment history they were seeing the issue with the Sam 's Card. Again this card was paid on time for many years and has had no issues. And even here the issue was with a different account. After I was denied I disputed the decision and sent in a credit report with proof of my satisfactory payment history. I am now being told that since I re-applied for a Care Credit card and was denied that my Sam 's card was reviewed again and closed once again. I had ONE problem with ONE payment and had two accounts closed. I can not believe that having ONE issue gives them the right to close down accounts I've had and have been building for over 10 years. I also have never received a sheet of paper explaining a decision and my credit report shows perfect payment history yet I am repeatedly told my payment history is unsatisfactory. This is unacceptable.

store credit card closing your account synchrony financial TX i was making a payment in full to pay off the balance of my synchrony sam s club card account i was using the number written down on my checking account card when i first opened my credit union account years ago and the number was incorrect the payment bounced and i was charged an nsf fee i reprocessed the payment and paid the card in full this was the first and only payment that was an issue i was informed that my synchrony sam s club card was closed due to nonsatisfactory payment history i was then told that since i paid my card in full i could have the account reopened in days if there was no issue with the payment after days my account was reopened then i requested a credit limit increase and it was granted in the meantime i was unaware that my synchrony care credit card was closed until i logged in to make my payment i spent over hours on the phone with representatives and nobody could help me get my account reopened i was told to reapply for a synchrony care credit card i applied and was denied because of unsatisfactory payment history they were seeing the issue with the sam s card again this card was paid on time for many years and has had no issues and even here the issue was with a different account after i was denied i disputed the decision and sent in a credit report with proof of my satisfactory payment history i am now being told that since i reapplied for a care credit card and was denied that my sam s card was reviewed again and closed once again i had one problem with one payment and had two accounts closed i can not believe that having one issue gives them the right to close down accounts ive had and have been building for over years i also have never received a sheet of paper explaining a decision and my credit report shows perfect payment history yet i am repeatedly told my payment history is unsatisfactory this is unacceptable

['payment', 'Sams Club', 'closed', 'credit limit increase', 'denied', 'dispute', 'credit report']

3/1/2021

Store credit card

Closing your account

SYNCHRONY FINANCIAL

NY

I was approved for a CareCredit card with Synchrony Bank in XX/XX/XXXX in order to use solely for veterinary services. I was approved for {$5000.00} for the card with a co-applicant based on credit " worthiness ''. I was then riddled with fraud on my main bank account and had to open a new account with my bank. This account was still linked to my CareCredit/Synchrony Bank account and I did not receive any notifications regarding late payments or upcoming payments. I assumed that it would be taken out of my account directly as it had been in the past. However I was not notified and when I realized that I had to make my payment I logged into my account and to my surprise the account had been closed without any warning whatsoever. They sent a letter on XX/XX/XXXX which is 8 days past the due date for minimum payment ( first of every month ). The letter that was sent the same day they closed my account listed the reason for the decision to close the account was due to the " Number of dishonored payments on this account ''. I had one dishonored payment less than 8 days past the due date without receiving any notifications calls emails to remind me or make me aware of the issue. If they had done that I would have realized that I needed to reconnect my new bank account and all would have been fine. Now my credit score has gone down 100 points and will affect every aspect of my financial wellness. What happened to me is deplorable and inexcusable due to the treatment by customer service agents when I attempted to fix the issue immediately after I saw the closed account and the fact they closed my account while only notifying once of a late payment.

store credit card closing your account synchrony financial NY i was approved for a carecredit card with synchrony bank in xxxxxxxx in order to use solely for veterinary services i was approved for for the card with a coapplicant based on credit worthiness i was then riddled with fraud on my main bank account and had to open a new account with my bank this account was still linked to my carecreditsynchrony bank account and i did not receive any notifications regarding late payments or upcoming payments i assumed that it would be taken out of my account directly as it had been in the past however i was not notified and when i realized that i had to make my payment i logged into my account and to my surprise the account had been closed without any warning whatsoever they sent a letter on xxxxxxxx which is days past the due date for minimum payment first of every month the letter that was sent the same day they closed my account listed the reason for the decision to close the account was due to the number of dishonored payments on this account i had one dishonored payment less than days past the due date without receiving any notifications calls emails to remind me or make me aware of the issue if they had done that i would have realized that i needed to reconnect my new bank account and all would have been fine now my credit score has gone down points and will affect every aspect of my financial wellness what happened to me is deplorable and inexcusable due to the treatment by customer service agents when i attempted to fix the issue immediately after i saw the closed account and the fact they closed my account while only notifying once of a late payment

['Care Credit', 'fraud', 'closed', 'credit score', 'customer service', 'account closed']

7/1/2023

General-purpose credit card or charge card

Getting a credit card

SYNCHRONY FINANCIAL

TX

I received an email alert from XXXX asking if I had recently applied for a credit card. I responded back that I had not recently applied for a credit card. I then received a call from XXXX on Friday XX/XX/XXXX asking me if I would give them permission to call the credit card company Synchrony Bank for a Venmo credit card which we did. I reported to them that I had not applied for this credit card and that it was fraudulently obtained. They said that they were closing the account and sending it to the fraud investigations department for review. I also had a {$1500.00} transaction with my bank account from Venmo. I have since suspended that account. I have also frozen my credit with all 3 credit bureaus and have also placed a fraud alert with each one of them.

generalpurpose credit card or charge card getting a credit card synchrony financial TX i received an email alert from xxxx asking if i had recently applied for a credit card i responded back that i had not recently applied for a credit card i then received a call from xxxx on friday xxxxxxxx asking me if i would give them permission to call the credit card company synchrony bank for a venmo credit card which we did i reported to them that i had not applied for this credit card and that it was fraudulently obtained they said that they were closing the account and sending it to the fraud investigations department for review i also had a transaction with my bank account from venmo i have since suspended that account i have also frozen my credit with all credit bureaus and have also placed a fraud alert with each one of them

['never applied', 'fraud', 'suspend', 'frozen']

44348

Credit card debt

Attempts to collect debt not owed

SYNCHRONY FINANCIAL

FL

I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

credit card debt attempts to collect debt not owed synchrony financial FL i was a victim of identity theft as a result of being homeless and did not have a physical address in numerous accounts were open without my permission the creditors call and harass me daily for debt i explained that those debts were not mine they sent me incomplete billing info with inaccuracies i was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that i hired a credit repair company to help me with these disputes as i am new to this they are not cooperating and stated that they are willing to take a settlement i dont know what else to do so i am finally coming to you guys for some guidance please

['identity theft', 'without consent', 'harass', 'personal data', 'credit bureaus', 'dispute']

44287

Store credit card

Closing your account

SYNCHRONY FINANCIAL

TX

On XX/XX/XXXX I called Rooms to go to confirm the line of credit available on my card. I was informed my Synchrony account was closed in XX/XX/XXXX. I asked why I didn't receive any correspondence and was told due to inactivity that Synchrony didn't have to notify me. I was told I had more than enough time to make a purchase because the last activity was XXXX. I explained to the manager I was transferred to that I was saving for a home purchase and bought my home in Fall XXXX. Then with the covid-pandemic I like much of the world didn't go out much due to social-distancing and quite frankly the unknown of my being able to keep my job/income. I would like to file a formal complaint to let other consumers know this is Synchrony 's practice and how they treat their clients. What I found most rude and unhelpful was when the manager said I had more than enough time to make a purchase when in fact I would have appreciated something in the mail or via email from Synchrony to inform me that my account would be closed due to my non-use of the account. I was told these details were in my terms and conditions which I understand. However I consider the non-notification and scripts the representatives read as very unprofessional and I simply want to let other consumers know since I wasn't shown any courtesy from the actual creditor Synchrony Financial.

store credit card closing your account synchrony financial TX on xxxxxxxx i called rooms to go to confirm the line of credit available on my card i was informed my synchrony account was closed in xxxxxxxx i asked why i didnt receive any correspondence and was told due to inactivity that synchrony didnt have to notify me i was told i had more than enough time to make a purchase because the last activity was xxxx i explained to the manager i was transferred to that i was saving for a home purchase and bought my home in fall xxxx then with the covidpandemic i like much of the world didnt go out much due to socialdistancing and quite frankly the unknown of my being able to keep my jobincome i would like to file a formal complaint to let other consumers know this is synchrony s practice and how they treat their clients what i found most rude and unhelpful was when the manager said i had more than enough time to make a purchase when in fact i would have appreciated something in the mail or via email from synchrony to inform me that my account would be closed due to my nonuse of the account i was told these details were in my terms and conditions which i understand however i consider the nonnotification and scripts the representatives read as very unprofessional and i simply want to let other consumers know since i wasnt shown any courtesy from the actual creditor synchrony financial

['line of credit', 'account closed', 'rude', 'Terms and Conditions', 'customer service']

44256

Credit reporting

Incorrect information on your report

SYNCHRONY FINANCIAL

OH

My XXXX XXXX and my Synchrony credit cards show in collections on my credit report. My soon to be ex-wife stopped paying them but once I found out I started making payments to try to repair my credit. Even though I have set up payment plans and made 3 months worth of on-time payments they both refuse to show that I am making payments on this debt. These negatives on my credit report are harming my credit score and since I am making payments the credit report should reflect that. They say they will not change the credit report until the entire debt is paid. I believe that is bad faith. Why would anyone make payments if it isn't going to help their credit?

credit reporting incorrect information on your report synchrony financial OH my xxxx xxxx and my synchrony credit cards show in collections on my credit report my soon to be exwife stopped paying them but once i found out i started making payments to try to repair my credit even though i have set up payment plans and made months worth of ontime payments they both refuse to show that i am making payments on this debt these negatives on my credit report are harming my credit score and since i am making payments the credit report should reflect that they say they will not change the credit report until the entire debt is paid i believe that is bad faith why would anyone make payments if it isnt going to help their credit

['credit card', 'payment', 'debt', 'credit report']

43678

General-purpose credit card or charge card

Problem when making payments

SYNCHRONY FINANCIAL

NH

I am writing a complaint to you all because of the run around Ive received from Synchrony Paypal Mastercard customer service as well as the massive issues with their application. I made a payment to pay off this card. Due to the application slowness it didnt show it was taken so I made another one. And LO and behold there were 2 payments taken out! One for XXXX and XXXX for XXXX. I called and was told a check would be sent in 10-15 days?? Unacceptable. So I scramble around to cover the bills coming out and then I wake up this am to find XXXX taken out twice! SO now my cking acct is short another XXXX which again adds more issues to covering my debits being taken out! I cant believe they still pulled my automatic payment when I paid this off and also when I had just spoke to someone who knew the issues and didnt check to see that an automatic payment was being pulled?? I called XX/XX/19 at XXXX Est and spoke to XXXX and then XXXX ( supposedly a supervisor with no soft skills ) and XXXX just kept calling me XXXX and told me she didnt see any payments for XXXX and then back pedaled and said she did see one and that it was an auto payment and she couldnt do anything and that I had to call my bank. I am filing with the XXXX XXXX XXXX as well. Their practices are ridiculous and they leave their clients without any other resources.

generalpurpose credit card or charge card problem when making payments synchrony financial NH i am writing a complaint to you all because of the run around ive received from synchrony paypal mastercard customer service as well as the massive issues with their application i made a payment to pay off this card due to the application slowness it didnt show it was taken so i made another one and lo and behold there were payments taken out one for xxxx and xxxx for xxxx i called and was told a check would be sent in days unacceptable so i scramble around to cover the bills coming out and then i wake up this am to find xxxx taken out twice so now my cking acct is short another xxxx which again adds more issues to covering my debits being taken out i cant believe they still pulled my automatic payment when i paid this off and also when i had just spoke to someone who knew the issues and didnt check to see that an automatic payment was being pulled i called xxxx at xxxx est and spoke to xxxx and then xxxx supposedly a supervisor with no soft skills and xxxx just kept calling me xxxx and told me she didnt see any payments for xxxx and then back pedaled and said she did see one and that it was an auto payment and she couldnt do anything and that i had to call my bank i am filing with the xxxx xxxx xxxx as well their practices are ridiculous and they leave their clients without any other resources

['customer service', 'application', 'autopay']

43739

Credit reporting

Improper use of your report

SYNCHRONY FINANCIAL

OH

I reached out to Synchrony Bank for an Amazon credit card inquiry from XX/XX/2019. They advised me they didn't find any applications or inquiry at this time. They said there was nothing they can do. I want this inquiry removed since I never applied with them. I already reached out to XXXX and they tell me to reach out to the company Synchrony. I didn't get anywhere with them and I shouldn't be penalized when Im not applying for credit. I put on all 3 of my credit reports freezes and blocks.

credit reporting improper use of your report synchrony financial OH i reached out to synchrony bank for an amazon credit card inquiry from xxxx they advised me they didnt find any applications or inquiry at this time they said there was nothing they can do i want this inquiry removed since i never applied with them i already reached out to xxxx and they tell me to reach out to the company synchrony i didnt get anywhere with them and i shouldnt be penalized when im not applying for credit i put on all of my credit reports freezes and blocks

['application', 'Amazon', 'credit card', 'hard inquiry', 'credit report']

44440

General-purpose credit card or charge card

Closing your account

SYNCHRONY FINANCIAL

GA

I have been using my Sam's/Synchrony card for a number of years. My husband passed away on XX/XX/2021. I called the card number and reported that I had 4 fraudulent charges from out of the country. In the process because my husband was the primary cardholder they sent me to their probate department closed my account and told me I would receive information in the mail about what to do about the fraud. This happened on XXXX XXXXXXXX XXXX On XX/XX/2021 I received notice that Payments that I had made using Sam 's card had been taken back by the credit card company. Upon talking with Synchrony I discovered that 2 payments had been taken back. One payment was for business insurance and had been paid on XX/XX/2021 and the other for health insurance that had been paid on XX/XX/2021. I pay my balance in full every month so these 2 payments had been paid by me approximately 2 cycles ago. I was given no explanation for this. I believe this to be fraudulent. Why would a company go back 2 months and take back money that had already been paid off? The reason is clear to me. My husband died and they were afraid they would not get the current amount due so they resorted to sleezy tactics to make sure they would not lose the money. I can tell you as a lady that just lost her husband and now has to spend countless hours on the phone apologizing to insurance companies for something that was not my fault but the fault of greedy dishonest credit card issuers this should never be allowed. We have a high credit score and have always paid our bills. They had no reason to think they would not get paid. This is a disgusting way to treat people. Please investigate. I hope charges can be filed. I am reporting this to every agency that I can. So dishonest!!!!

generalpurpose credit card or charge card closing your account synchrony financial GA i have been using my samssynchrony card for a number of years my husband passed away on xxxx i called the card number and reported that i had fraudulent charges from out of the country in the process because my husband was the primary cardholder they sent me to their probate department closed my account and told me i would receive information in the mail about what to do about the fraud this happened on xxxx xxxxxxxx xxxx on xxxx i received notice that payments that i had made using sam s card had been taken back by the credit card company upon talking with synchrony i discovered that payments had been taken back one payment was for business insurance and had been paid on xxxx and the other for health insurance that had been paid on xxxx i pay my balance in full every month so these payments had been paid by me approximately cycles ago i was given no explanation for this i believe this to be fraudulent why would a company go back months and take back money that had already been paid off the reason is clear to me my husband died and they were afraid they would not get the current amount due so they resorted to sleezy tactics to make sure they would not lose the money i can tell you as a lady that just lost her husband and now has to spend countless hours on the phone apologizing to insurance companies for something that was not my fault but the fault of greedy dishonest credit card issuers this should never be allowed we have a high credit score and have always paid our bills they had no reason to think they would not get paid this is a disgusting way to treat people please investigate i hope charges can be filed i am reporting this to every agency that i can so dishonest

['payment', 'fraud', 'rude', 'Sams Club', 'credit card', 'credit score']

43556

Credit reporting

Improper use of your report

SYNCHRONY FINANCIAL

OH

A few years back I applied and was approved for an XXXX XXXX credit card which is issued through Synchrony Bank. Originally I was approved for XXXX then a few months after that they lowered it to XXXX I didn't complain about it BUT I was active in using my card and ALWAYS paid my bill on time NEVER LATE!!! Most recently I paid the full balance and thought I was doing the responsible thing. When I went to use my card a month later I was told my account was CLOSED then I received an email from the credit report agency inquiring if I closed the account which I responded NO!! I then receive a letter from Synchrony Bank that after checking my credit reports ( no permission and why?! ) in spite of my excellent payment history they decided to close account! This makes a negative mark on my credit report!!!!!!!! I am furious_ if I had never paid them off I would STILL have an active account! How UNFAIR is this. Their letter informed me of my credit score and other information that goes beyond my permission to check. They were only allowed to check my history with them. Thank you!

credit reporting improper use of your report synchrony financial OH a few years back i applied and was approved for an xxxx xxxx credit card which is issued through synchrony bank originally i was approved for xxxx then a few months after that they lowered it to xxxx i didnt complain about it but i was active in using my card and always paid my bill on time never late most recently i paid the full balance and thought i was doing the responsible thing when i went to use my card a month later i was told my account was closed then i received an email from the credit report agency inquiring if i closed the account which i responded no i then receive a letter from synchrony bank that after checking my credit reports no permission and why in spite of my excellent payment history they decided to close account this makes a negative mark on my credit report i am furious if i had never paid them off i would still have an active account how unfair is this their letter informed me of my credit score and other information that goes beyond my permission to check they were only allowed to check my history with them thank you

['credit card', 'credit report', 'account closed', 'credit score']

44562

General-purpose credit card or charge card

Other features terms or problems

SYNCHRONY FINANCIAL

GA

Synchrony Bank closed my Paypal master card on XX/XX/XXXX without notice. I received a letter a few days later stating that the account as well as two other credit cards that I had with Synchrony were closed due to me being high risk At the time that the Paypal XXXX card was closed I had cash back rewards of {$260.00}. This amount is confirmed on the statement that I received on XX/XX/XXXX. However there is no way for me to redeem these rewards. I called customer service. Neither the representative nor the supervisors were able to help. They simply stated that the cashback rewards were forfeited and that they would not be credited to me. This is an unfair to me. The bank earned money from me using the credit card and should pay me the cashback rewards that I earned.

generalpurpose credit card or charge card other features terms or problems synchrony financial GA synchrony bank closed my paypal master card on xxxxxxxx without notice i received a letter a few days later stating that the account as well as two other credit cards that i had with synchrony were closed due to me being high risk at the time that the paypal xxxx card was closed i had cash back rewards of this amount is confirmed on the statement that i received on xxxxxxxx however there is no way for me to redeem these rewards i called customer service neither the representative nor the supervisors were able to help they simply stated that the cashback rewards were forfeited and that they would not be credited to me this is an unfair to me the bank earned money from me using the credit card and should pay me the cashback rewards that i earned

['PayPal', 'high risk', 'customer service', 'rewards']

44621

General-purpose credit card or charge card

Other features terms or problems

SYNCHRONY FINANCIAL

OH

Emails from Synchrony Bank aka Sam 's Club credit card contain invisible trackers even in most service related communication. These spy trackers ( also known as XXXX XXXX XXXX XXXX ) are with domains like XXXX XXXX XXXX xxx and invisible by design. Such trackers usually collect IP address location time of opening the emails device type and operating system forwarded email address. Being unconsented these are examples of breaking receipts ' trust and AFAIK violations of all privacy laws.

generalpurpose credit card or charge card other features terms or problems synchrony financial OH emails from synchrony bank aka sam s club credit card contain invisible trackers even in most service related communication these spy trackers also known as xxxx xxxx xxxx xxxx are with domains like xxxx xxxx xxxx xxx and invisible by design such trackers usually collect ip address location time of opening the emails device type and operating system forwarded email address being unconsented these are examples of breaking receipts trust and afaik violations of all privacy laws

['email', 'Sams Club', 'collect', 'without consent', 'credit card', 'violation']

43770

Credit reporting

Incorrect information on your report

SYNCHRONY FINANCIAL

AZ

My XXXX credit score dropped 52 points due to a FALSE report from " Syncb National Credit Cards/Airlines '' as of XXXX. It has been falsely reported with this information XXXX XXXX and XXXX. Syncb will not assist to remove or dispute the false report and I find no support from XXXX XXXX either. Please help me to dispute this and remove all record of this from my credit score as it has been FALSELY reported as of XXXX XXXX and XXXX.

credit reporting incorrect information on your report synchrony financial AZ my xxxx credit score dropped points due to a false report from syncb national credit cardsairlines as of xxxx it has been falsely reported with this information xxxx xxxx and xxxx syncb will not assist to remove or dispute the false report and i find no support from xxxx xxxx either please help me to dispute this and remove all record of this from my credit score as it has been falsely reported as of xxxx xxxx and xxxx

['credit score', 'dispute', 'credit card']

44228

General-purpose credit card or charge card

Closing your account

SYNCHRONY FINANCIAL

CA

I was notified yesterday that all 10 of my Synchrony Bank credit cards both store cards and mastercards were closed on XX/XX/2021. The agent said it had nothing to do with my pay history. I am a long-time ( decades ) customer of the bank. They indicated that they closed all of my accounts because I had too many account open with them. I had 10. I had just applied for a XXXX Visa card last week with them. They approved the account with a {$4000.00} credit limit. I have not even received the card in the mail yet and they already closed that card along with the other 9. Why wouldnt they just not approve my application if they know internally that when a customer hits a certain number of cards that it triggers the closure of all accounts. I have a perfect pay history with this bank. No warnings were given at all. This is very bad business. How can they extend credit and then rescind it before the card ever arrives? Does this mean I can never have another card through Synchrony Bank? Am I banned from applying for another card? I attempted to apply for one that was closed but it would not let me because it still recognizes that I have an account with a balance on it even though the account is fully closed. I intend to pay all of them off. Some of them had no balance on them. Ive never heard of this happening. Can they do this me when there is no negative history on these cards? If this is how they operate I would like to warn other consumers that they need to be very careful if they have a bunch of cards backed by this bank. They could shut them off at any time with no warning at all. You will still have to pay off all of your balances. But the law should not allow this to happen. It seems like a breach of contract somehow.

generalpurpose credit card or charge card closing your account synchrony financial CA i was notified yesterday that all of my synchrony bank credit cards both store cards and mastercards were closed on xxxx the agent said it had nothing to do with my pay history i am a longtime decades customer of the bank they indicated that they closed all of my accounts because i had too many account open with them i had i had just applied for a xxxx visa card last week with them they approved the account with a credit limit i have not even received the card in the mail yet and they already closed that card along with the other why wouldnt they just not approve my application if they know internally that when a customer hits a certain number of cards that it triggers the closure of all accounts i have a perfect pay history with this bank no warnings were given at all this is very bad business how can they extend credit and then rescind it before the card ever arrives does this mean i can never have another card through synchrony bank am i banned from applying for another card i attempted to apply for one that was closed but it would not let me because it still recognizes that i have an account with a balance on it even though the account is fully closed i intend to pay all of them off some of them had no balance on them ive never heard of this happening can they do this me when there is no negative history on these cards if this is how they operate i would like to warn other consumers that they need to be very careful if they have a bunch of cards backed by this bank they could shut them off at any time with no warning at all you will still have to pay off all of your balances but the law should not allow this to happen it seems like a breach of contract somehow

['credit card', 'account closed']

44166

General-purpose credit card or charge card

Getting a credit card

SYNCHRONY FINANCIAL

TX

Recently obtained a copy of my credit report from XXXX along with a letter from XXXX/Synchrony Bank stating a denied application for their credit card. It indicated that a credit inquiry was made by XXXX/Synchrony Bank. However I did not authorize this inquiry. I'm writing to get this removed from my credit report. Please have this inquiry removed from my credit report as it is having a negative impact on my daily finances. I can't apply to new cards or increased credit lines that are essential to cover my necessary expenses. My vehicle is on the verge of fully breaking down and I am unable to even consider purchasing a replacement car as I am unable to get financing approval due to the detrimental effects of this inquiry.

generalpurpose credit card or charge card getting a credit card synchrony financial TX recently obtained a copy of my credit report from xxxx along with a letter from xxxxsynchrony bank stating a denied application for their credit card it indicated that a credit inquiry was made by xxxxsynchrony bank however i did not authorize this inquiry im writing to get this removed from my credit report please have this inquiry removed from my credit report as it is having a negative impact on my daily finances i cant apply to new cards or increased credit lines that are essential to cover my necessary expenses my vehicle is on the verge of fully breaking down and i am unable to even consider purchasing a replacement car as i am unable to get financing approval due to the detrimental effects of this inquiry

['credit report', 'denied', 'credit card', 'without consent', 'hard inquiry']

43831

Credit card debt

False statements or representation

SYNCHRONY FINANCIAL

VA

Synchrony Bank continues to fraudulently attempt to withdraw money from my checking account without proper authorization. I never authorized Synchrony to recently attempt to make debits from my account. I paid my bill using cash in the store. My financial institution has set a stop payment to prevent Synchrony bank from fraudulently attempting to withdraw funds from my account.

credit card debt false statements or representation synchrony financial VA synchrony bank continues to fraudulently attempt to withdraw money from my checking account without proper authorization i never authorized synchrony to recently attempt to make debits from my account i paid my bill using cash in the store my financial institution has set a stop payment to prevent synchrony bank from fraudulently attempting to withdraw funds from my account

['fraud', 'checking account']

44348

Credit reporting

Improper use of your report

SYNCHRONY FINANCIAL

AZ

I had a {$900.00} credit limit with synchrony bank/Amazon store care and they are denying they did it on their own but at the behest of XXXX my credit limit was reduced to {$270.00} almost as soon as i made a {$600.00} payment. I haf a couple late payments due to contracting Covid-19 twice and I made payments and brought my account current and paid the bill off and they did this to me. My credit score was impacted negatively by over 200 points and I believe they are practicing race motivated discrimination. I did not have real estate when i got the credit in the first place and they are saying that is the reason for the reduction. That is not a valid reason. They refuse to remove incorrect fraudulent information and insidiously institutes a redline when it comes to me leveraging my ability to purchase using credit.

credit reporting improper use of your report synchrony financial AZ i had a credit limit with synchrony bankamazon store care and they are denying they did it on their own but at the behest of xxxx my credit limit was reduced to almost as soon as i made a payment i haf a couple late payments due to contracting covid twice and i made payments and brought my account current and paid the bill off and they did this to me my credit score was impacted negatively by over points and i believe they are practicing race motivated discrimination i did not have real estate when i got the credit in the first place and they are saying that is the reason for the reduction that is not a valid reason they refuse to remove incorrect fraudulent information and insidiously institutes a redline when it comes to me leveraging my ability to purchase using credit

['Amazon', 'credit limit decrease', 'late payment', 'racist', 'discrimination', 'fraud']

44136

Credit card debt

Attempts to collect debt not owed

SYNCHRONY FINANCIAL

TX

My ex-boy friend purchased furniture at Ashely 's XX/XX/2016 I have been receiving calls from a debit collector and found the debit is in my name. I am working with XXXX XXXX at XXXX XXXX XXXX on a dispute. He gave me this email address www.ftc.gov and asked that I report it with the Federal Trade Commission then I was directed to this web site cfpb.

credit card debt attempts to collect debt not owed synchrony financial TX my exboy friend purchased furniture at ashely s xxxx i have been receiving calls from a debit collector and found the debit is in my name i am working with xxxx xxxx at xxxx xxxx xxxx on a dispute he gave me this email address wwwftcgov and asked that i report it with the federal trade commission then i was directed to this web site cfpb

['Ashley Furniture', 'debt collection agency', 'dispute']